Napas

Napas (National Payment Corporation of Vietnam) is Vietnam's primary domestic card network, supporting debit cards issued by Vietnamese banks. It enables Vietnamese customers to make secure online payments through a redirect-based flow using their Napas-enabled bank card.

Introduction

Napas uses a redirect-based payment flow. When a customer selects Napas at checkout, they are redirected to their bank's authentication interface to confirm the payment, then redirected back to your website or app upon completion. Napas is a single-use payment method where customers must authenticate each payment.

This guide explains the process of integrating Napas into your app or website using Payrails.

Pre-requisites

Before you start accepting Napas payments with Payrails, there are a few requirements you must meet:

  1. Integrate with Payrails using one of our SDKs or our API
  2. Configure a new integration account for Napas via dLocal as a Payment Service Provider. If you do not have a dLocal integration already configured in your workspace, please follow the dLocal integration setup guide first.
  3. Enable Napas as a payment method in your dLocal integration configuration. In the Payrails portal, navigate to Settings → Integrations, select your dLocal integration instance, and enable the Napas checkbox under Payment methods, then save the account.
  4. Enable Napas as a payment option in your workflow.
  5. Make sure you're sending the Napas-specific meta fields in your requests.

Ways to integrate Napas

Payrails SDK

The simplest way to use Napas with Payrails is to use our drop-in in your checkout flow. With this integration type, no additional work is required to accept payments with Napas except for handling success/failure screens for your users.

For a more flexible implementation using our SDK, you can use our genericRedirectButton element. See special instructions here for your client-side implementation.

Server-to-server integration

You can integrate Napas by completely managing your own client-side implementation, and using Payrails APIs with a server-to-server integration to process Napas payments.

Parse Napas from lookup response

With a server-to-server integration, you can call our lookup payment options endpoint to get available payment options. As shown in the example below, you can see napas returned as an option of the paymentCompositionOptions.

{
  "name": "lookup",
  "actionId": "0bb6413e-cabb-4074-99e6-9e815c69f25b",
  "executedAt": "2026-03-26T12:00:00.000000000Z",
  "data": {
    "paymentCompositionOptions": [
      {
        "integrationType": "redirect",
        "paymentMethodCode": "napas",
        "description": "Napas"
      }
    ]
  },
  "links": {
    "execution": "https://api.payrails.io/merchant/workflows/payment-acceptance/executions/83c534ac-13b7-43e6-b04b-f3e8b4eb4424",
    "authorize": {
      "method": "POST",
      "href": "https://api.payrails.io/merchant/workflows/payment-acceptance/executions/83c534ac-13b7-43e6-b04b-f3e8b4eb4424/authorize"
    }
  }
}

Pass Napas payment method in request to authorize payment with Payrails

You can then make a request to our authorize a payment endpoint with napas as the paymentMethodCode. See an example below:

{
  "executionId": "c0fd1c51-e709-47e5-bfd1-5d1c98f7d990",
  "amount": {
    "value": "700000",
    "currency": "VND"
  },
  "paymentComposition": [
    {
      "integrationType": "redirect",
      "paymentMethodCode": "napas",
      "amount": {
        "value": "700000",
        "currency": "VND"
      }
    }
  ],
  "meta": {
    "customer": {
      "name": "Nguyen Van A",
      "email": "[email protected]",
      "country": {
        "code": "VN"
      }
    }
  },
  "returnInfo": {
    "success": "https://mysuccessurl.com",
    "error": "https://myerrorurl.com"
  }
}

Note on amounts: VND uses 2 decimal places but is typically quoted as whole numbers. Amounts should be provided in the smallest currency unit — e.g., 700000 for ₫7,000.


Note: Napas is a redirect-based, single-use payment method. After calling the authorize endpoint, the customer will be redirected to their bank's authentication interface to confirm the payment. Once confirmed, the customer will be redirected back to the returnInfo.success URL. Make sure to provide valid returnInfo URLs in your authorization request.

Handle the redirect response

After the customer completes the payment, they will be redirected back to your success or error URL. You should then verify the payment status by checking the workflow execution status via the Payrails API or by listening to webhook notifications.

Supported currencies

Napas via dLocal supports the following presentment currency:

  • VND — Vietnamese Dong

Supported regions / countries

Customer regions

Napas is available to customers based in:

  • Vietnam 🇻🇳

Merchant regions

Merchants enabled for Vietnam can accept Napas payments via dLocal.

Supported workflows and services

WorkflowSupported
Available via Payrails SDK✔️
Available via Payrails API✔️
Delayed / Manual Capture✖️
Instant Capture✔️
Cancel / Void✖️
Refund / Reverse✔️
Save Instruments✖️
Merchant Initiated Transaction (MIT)✖️