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SeABank has launched SeAPayment, a payment-management platform designed for individuals and micro businesses. The service consolidates payment activity across multiple selling points and provides real-time revenue monitoring, aiming to help shop owners optimize operations and professionalize their business model.
As cashless payments expand, the growth in transfers and QR codes brings convenience but also increases management pressure. Many individuals and shop owners still face challenges with manual reconciliation, tracking revenue across multiple sales channels, and ensuring accurate records—issues that can create leakage risks and data discrepancies.
SeAPayment is positioned against a regulatory backdrop that requires greater transparency in business-account reporting. Under Decree 68/2026/NĐ-CP and Circular 18/2026/TT-BTC, notifying business accounts is described as a shift toward self-declaration and self-payment based on actual revenue, with each transaction needing to be recorded transparently and auditable when required.
To address these needs, SeABank developed SeAPayment as a “digital operations center,” consolidating multi-point transactions on a single platform. Shop owners can view their financial picture in real time, with figures provided down to the dong, without spending hours reconciling data from different sources.
SeAPayment is intended for business models with high transaction volumes, including shop owners running chains with multiple outlets, as well as busy entrepreneurs seeking more professional management. The platform’s approach is built around three core values.
Shop owners can create a QR code for each store or generate a dynamic QR for each order with preset amount and content. Customers scan and confirm, which SeABank says helps improve the payment experience and reduce errors.
After a transaction succeeds, a voice assistant with regional dialects (North, Central, South) announces the funds at the point of sale. SeABank says this supports faster confirmation of revenue by owners and staff without needing to check a phone or wait for proof of transfer.
SeAPayment is designed to help optimize cash-flow management across multiple points of sale and platforms. Instead of compiling data from separate systems, business owners can view an overall financial picture through a cross-platform interface.
The solution also supports multi-outlet management and staff permissions within a single application. Owners can monitor transaction movements and revenue reports in real time on both mobile and desktop.
By standardizing payment and operational workflows, SeAPayment aims to shorten the payment process and unify destination accounts and transaction confirmation. SeABank says this helps stores operate more smoothly during peak hours while building a more professional customer-facing experience.
The platform is also presented as a step for small businesses transitioning from traditional models to sustainable digital commerce, with the goal of reducing labor costs and improving working-capital efficiency.
SeABank also announced promotional incentives, including a 100% refund of the voice prompt fee for customers who maintain a balance of at least 15 million VND and generate at least 100 transactions within 3 months from the service-fee date.
In addition, SeAPayment offers lifetime free usage of the solution, which SeABank says can significantly reduce long-term operating costs.
SeABank said: “SeAPayment is not only a payment tool but also a solution to manage cash flow transparently, quickly, and more efficiently for shop owners. In the coming period, SeABank will continue to expand connections with partners to build a more comprehensive ecosystem for sales, finance, and tax, delivering a more holistic management experience for customers.”
Individuals and micro-businesses can register to use SeAPayment at SeABank branches nationwide or contact the personal customer care hotline at 1900 555 587 for direct consultation.
Kim Ngân
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