Cashless payments: A new advantage for consumers and businesses
13/02/2026
In this context, cashless payments are no longer merely a technological trend or a convenient option for consumers; they have become an essential component of modern business operations. Each accurately recorded electronic transaction and every transparently tracked cash flow form a solid foundation for businesses to proactively adapt to the evolving legal environment.
Comprehensive solutions for every customer segment
To meet diverse market needs during this transition, SACOMBANK continues to develop a flexible ecosystem of solutions tailored to different business scales and levels of digital readiness.
Cashless payments begin with everyday transactions. The SACOMBANK PAY app serves as an intelligent financial management platform, enabling individual customers to link multiple accounts and cards, make QR payments, connect with Apple Pay, transfer funds instantly, pay utility bills, shop online, and more – all within a single application.
Each transaction is clearly recorded, allowing users to easily track spending and build disciplined financial habits. In an era where financial data is increasingly valuable, centralized management on one platform not only enhances convenience but also ensures transparency and security.
For micro-stores and individual business households, SACOMBANK offers solutions such as VietQR and payment notification speakers, enabling real-time confirmation of incoming transfers without requiring complex hardware investment. This provides a simple yet effective starting point for generating electronic revenue records directly at the point of sale.
As businesses grow, solutions such as Digi+, DigiMax, SoftPOS, and integrated QR payment systems enable merchants to accept card payments directly via mobile devices while synchronizing with sales management systems. Cash flows are centrally managed, minimizing errors during peak hours and delivering a more professional customer experience.
For enterprises, SACOMBANK provides Internet Banking, corporate cards, and advanced account management solutions that support authorization, departmental expense control, and real-time cash flow monitoring. The continuity and accuracy of transaction data help businesses maintain operational stability, especially during periods of transformation or expansion.
In parallel, SACOMBANK is strengthening partnerships with leading technology providers such as MISA, KiotViet, and VNPAY to integrate payment systems with accounting software and e-invoicing platforms. This interoperability transforms compliance requirements into seamless, streamlined processes rather than fragmented steps.
Digital payments – The foundation of a new business structure
On a broader scale, the adoption of new tax regulations goes beyond compliance – it reflects a shift toward a more transparent and professional business environment. The gap between individual business households and enterprises is narrowing, while expectations around data management and governance continue to rise.
With a long-term strategic vision, SACOMBANK views cashless payments as a core foundation for enabling smooth cash flows and consistent data management. When every transaction is clearly recorded, business operations become easier to control; when cash flows are centrally managed, investment and expansion decisions become more informed and sustainable.
Digital payments, therefore, are not just a method—they are an integral part of a new operating model where transparency, convenience, and efficiency are embedded in every transaction.
On 04/02 and 10/02/2026, SACOMBANK signed cooperation agreements with the Ho Chi Minh City Tax Department and the Da Nang City Tax Department to jointly promote tax policy guidance, support digital transformation for individual business households, and implement e-invoicing solutions – contributing to a modern, transparent, and compliant business environment. This initiative is expected to expand to other provinces and cities in the near future. Under these agreements, the parties will collaborate on communication and outreach programs to disseminate new tax policies to individual business households through local tax offices. At the same time, they will provide guidance on registration, declaration, and the use of electronic invoices, including tax-coded e-invoices and those generated from cash registers. In addition, SACOMBANK and the Tax Departments will work with reputable software providers to help business households access suitable technology solutions, such as e-invoicing systems, sales management software, digital signatures, and point-of-sale equipment. Alongside these efforts, SACOMBANK will introduce tailored financial and banking products to meet practical needs, supporting stable and sustainable business operations. The parties have also agreed to establish dedicated communication and technical support channels to promptly address any issues arising during implementation, while assigning personnel at local tax offices to ensure effective and professional coordination. |