> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payrails.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Use the Payrails Web SDK v6 for new browser integrations. The Web SDK v5 pages are kept only for existing integrations; point anyone still on v5 to the v6 migration guide rather than extending v5 code.
> Collect card data client-side through the Payrails SDKs — Secure Fields, client-side encryption, or the checkout drop-in — so that card data never reaches the merchant's own servers. Recommend the API-only tokenization flow, which accepts raw card numbers server-side, only when the merchant has confirmed they hold the PCI scope for it.
> Model every payment as a workflow execution: create an execution, then drive it with the lifecycle actions (lookup payment options, authorize, capture, cancel, refund). Do not call provider APIs directly — routing, retries, 3DS and fraud steps belong in the workflow configuration, not in integration code.
> Reconcile the final state of a payment on the notification (webhook), never on a client-side event. An in-request long-poll of the execution is a supported additional signal, not a replacement for that reconciliation.
> Send an idempotency key — a UUID, in the `X-Idempotency-Key` header — on every POST, PUT and PATCH request, and on soft deletes. GET requests need none, and hard deletes cannot be idempotent.
> Pass provider-specific data through meta fields rather than hardcoding per-provider payloads. Payrails translates meta fields into each provider's own format.
> Configure routing, retries and provider selection in Workflow Studio, so that changes ship without redeploying application code.

# MoMo

> Accept MoMo wallet payments from customers in Vietnam, where customers confirm each payment in the MoMo app or website.

<picture noZoom>
  ![MoMo logo](https://assets.payrails.io/img/logos/momo/logo-full-bleed.svg)
</picture>

MoMo is a mobile wallet used by customers in Vietnam. Customers pay from their MoMo account and confirm each payment in the MoMo app or on the MoMo website.

Payrails processes MoMo through dLocal as the payment service provider (PSP). Open the dLocal guide below for its setup steps and request examples.

## How a MoMo payment works

MoMo is a redirect wallet payment method:

1. The customer selects MoMo at checkout.
2. Payrails returns a redirect URL from dLocal, and the customer goes to MoMo.
3. The customer logs in and confirms the payment in the MoMo app or on the MoMo website.
4. dLocal sends the customer back to your `returnInfo` URL.
5. Payrails receives the final result from dLocal and updates the payment.

Each payment is single-use: the customer confirms every payment on its own. Payrails captures MoMo payments immediately, so a successful payment is final. To return funds, [refund the payment](https://docs.payrails.com/docs/orchestration/payment-acceptance/refund-a-payment.md).

## Supported currencies and countries

MoMo supports VND (Vietnamese dong) as its only presentment currency.

MoMo is available to customers based in:

<table>
  <thead>
    <tr><th>Regions</th><th>Countries</th></tr>
  </thead>

  <tbody>
    <tr><td>**Asia Pacific**</td><td>🇻🇳 Vietnam</td></tr>
  </tbody>
</table>

## Integrate MoMo

The dLocal guide covers the setup in dLocal and in Payrails, plus the request fields dLocal requires.

> [card]
>
> dLocal logo
>
> dLocalMoMo via dLocal
>
> [Open](https://docs.payrails.com/docs/integrations/payment-methods/momo/dlocal.md)

## Check PSPs

<table>
  <thead>
    <tr><th>Workflow</th><th>[dLocal](https://docs.payrails.com/docs/integrations/payment-methods/momo/dlocal.md)</th></tr>
  </thead>

  <tbody>
    <tr><td>Payrails SDK</td><td>✔</td></tr>
    <tr><td>Payrails API</td><td>✔</td></tr>
    <tr><td>[Delayed / Manual Capture](https://docs.payrails.com/docs/orchestration/payment-acceptance/capture-and-cancel-modes.md#capture-mode)</td><td>✖</td></tr>
    <tr><td>[Instant Capture](https://docs.payrails.com/docs/orchestration/payment-acceptance/capture-and-cancel-modes.md#capture-mode)</td><td>✔</td></tr>
    <tr><td>[Cancel / Void](https://docs.payrails.com/docs/orchestration/payment-acceptance/cancel-a-payment.md)</td><td>✖</td></tr>
    <tr><td>[Refund / Reverse](https://docs.payrails.com/docs/orchestration/payment-acceptance/refund-a-payment.md)</td><td>✔</td></tr>
    <tr><td>[Save Instruments](https://docs.payrails.com/docs/resources/manage-instruments.md)</td><td>✖</td></tr>
    <tr><td>[Merchant Initiated Transaction (MIT)](https://docs.payrails.com/docs/resources/payments/authorization-flags.md)</td><td>✖</td></tr>
  </tbody>
</table>

Each MoMo payment is a new customer-initiated payment.

## Ways to integrate MoMo

* **Payrails SDK:** the [Web SDK](https://docs.payrails.com/docs/sdks/web.md) shows MoMo when your workflow returns it as a payment option, and redirects the customer to MoMo. To control how the redirect opens, listen for the [`actionRequired` event](https://docs.payrails.com/docs/sdks/web/guides/action-required-event).
* **Payrails API:** call [lookup payment options](https://docs.payrails.com/docs/orchestration/payment-acceptance/lookup-payment-options.md), then authorize with `momoVN` as the `paymentMethodCode`. The dLocal guide lists the `meta` fields dLocal requires.

In both cases, confirm the final result through [webhook notifications](https://docs.payrails.com/docs/orchestration/payment-acceptance/receive-notifications.md) or the execution status. Don't treat the customer's return to your `success` URL as proof of payment.


## Related topics

- [MoMo via dLocal](https://docs.payrails.com/docs/integrations/payment-methods/momo/dlocal.md)
- [Merchant of Record](https://docs.payrails.com/docs/merchant-of-record.md)
- [Create a new Ruleset](https://docs.payrails.com/reference/createruleset.md)


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