Payment & Credit Management Software Vietnam

It covers the full range: VietQR and NAPAS 247 bank transfers, e-wallet settlements from MoMo, ZaloPay, VNPAY and Viettel Money, card terminal payments used in modern trade, and plain cash or cash on delivery. Whichever method applies, the Field Sales Representative selects it, notes the reference or receipt number, and posts the VND amount against that outlet's open invoices.

That is actually the norm here, not an edge case. Shop owners type their own references, the sending account is often personal rather than business, and one transfer rarely maps cleanly to one invoice. Instead of forcing someone to scan a bank statement line by line, unidentified amounts land in an unallocated tray, complete with suggested matches based on value, timing and territory, so finance only needs to confirm or split them.

With cash and COD, the question is not matching, it is custody. The moment a collection is taken, it is stamped with the collector, outlet, amount and time, then sits on that person's open custody balance until a deposit clears it. Because the gap between what's collected and what's banked is visible day by day, nobody has to piece together a week's worth of receipts after the fact.

The Customers master holds a VND ceiling for every outlet. The moment exposure goes past that number, whatever rule is configured takes over, blocking all new orders, letting only the first one through, or routing the order for approval. Any approval moves through Workflow Automation, which supports as many as seven levels, and every override gets logged.

Since e-invoicing has been compulsory for every business in Vietnam since 1 July 2022, the platform is designed around an obligation that is already in force rather than one that is coming. Invoices, receipts and credit notes are kept in structured form, carrying the tax details finance needs, and ready to hand off to your e-invoice provider. The platform supports that workflow; it does not itself hold any certification.

Credit notes originate in the Returns module, covering secondary returns, primary returns, and damage or expiry claims that wholesalers and modern trade chains raise. Each one is tagged with its source and status, and links straight back to the VND invoice it offsets, which means outstanding drops automatically, with no manual journal entry needed.

It does. Receivables are grouped into 0-30, 31-60, 61-90 and 90-plus day buckets, and each of those can be filtered further by territory, distributor, channel or collector. A Sales Supervisor sees only the area they are responsible for, while an Area Sales Manager can pull up Hanoi, Da Nang and the Mekong Delta side by side on one screen.

Tết compresses weeks of normal trade into a short window, and that is exactly when distributors' credit gets stretched thinnest. Ahead of the peak, limits, ageing thresholds and approval rules can all be tightened, and because the North typically stocks up over a longer run than the South's shorter one, each region can carry its own settings. Exposure gets contained before the holiday rather than chased down after it.