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SePay Gateway Module: Local Bank Transfers (Vietnam)

Last updated on May 21, 2026 05:10

For merchants operating in Vietnam, direct bank transfers (Chuyển khoản ngân hàng) are the most popular payment method. However, manually checking bank statements to verify which customer paid which order is incredibly time-consuming and prone to errors.

The SePay Gateway Module solves this by fully automating bank transfer verifications using VietQR technology.

How SePay Automation Works

  • At checkout, the customer selects "Chuyển khoản (SePay)".

  • PolyCMS displays a dynamic VietQR code. This QR code contains your bank account details, the exact order amount, and a unique transaction syntax (e.g., DH10293).

  • The customer scans the QR code with their banking app and transfers the money.

  • SePay monitors your bank account. The moment the money arrives, SePay reads the transaction syntax (DH10293) and sends an instant Webhook to PolyCMS.

  • PolyCMS automatically updates Order #10293 from "Pending" to "Processing" and emails the customer a receipt.

Configuration Guide

To enable automated bank transfers:

Step 1: Set Up SePay

  • Register for an account at SePay.vn.

  • Connect your business bank account to their system.

  • Obtain your SePay API Key from their developer dashboard.

Step 2: Configure PolyCMS

  • In the PolyCMS Admin Panel, navigate to Settings > Modules and enable the SePay Gateway module.

  • Go to Settings > Payment Gateways and click on SePay.

  • Toggle the status to Active.

  • Paste your SePay API Key.

  • Enter your Bank Account Number, Bank Name, and Account Holder Name (these are used to generate the VietQR code on the checkout page).

  • Click Save Changes.

Security and Webhooks

For SePay to notify PolyCMS that a payment has arrived, you must configure the Webhook URL in your SePay.vn dashboard.

The module will automatically generate a secure Webhook URL for you (e.g., https://<a href="//polycms.org" target="_blank" rel="nofollow">polycms.org</a>/api/v1/webhooks/sepay). Copy this URL from the PolyCMS payment settings page and paste it into your SePay dashboard.

PolyCMS automatically verifies the digital signature of all incoming SePay webhooks to ensure malicious users cannot fake payment confirmations.