VNLIFE

VNLIFE is the Vietnamese technology and financial-services holding group whose flagship business is VNPAY (Vietnam Payment Solution Joint Stock Company), the leading electronic-payment provider in Vietnam. VNLIFE operates a payments and lifestyle ecosystem spanning the VNPAY-QR payment gateway (integrated across 40+ banks and 15+ e-wallets), SmartPOS/PhonePOS acceptance hardware, the VNPAY super-app, VnShop e-commerce, taxi booking, e-invoicing, and B2B payment platforms serving 350,000+ merchants, 450,000+ acceptance points, and 60M+ users. The VNPAY payment gateway is exposed as a documented redirect/IPN HTTP API (VNPAY-QR / vpcpay) secured with HMAC-SHA512 checksums. VNLIFE is backed by investors including SoftBank Vision Fund and GIC.

VNLIFE publishes 1 API on the APIs.io network. Tagged areas include Company, Fintech, Payments, Payment Gateway, and QR Payments.

VNLIFE’s developer surface includes documentation, API reference, support, engineering blog, getting-started guide, sandbox, authentication, and 13 more developer resources.

🌐 Visit website 📡 Source on GitHub
29.6/100 emerging ▬ flat Agent 38/100 agent aware Full breakdown ↓
scored 2026-07-27 · rubric v0.5
1 APIs 1 MCP Servers
CompanyFintechPaymentsPayment GatewayQR PaymentsE-CommerceVietnamFinancial Services

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 29.6/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 13.5 / 20
Commercial Clarity 1.6 / 20
Operational Transparency 2.1 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 38/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/vnlife: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

VNPAY Payment Gateway

The VNPAY-QR payment gateway (vpcpay) processes card, QR, ATM/bank-account and international-card payments via a browser redirect plus server-to-server IPN callback. Requests ca...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

vnlife-mcp.yml

MCP SERVER

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Vnlife Authentication

checksum-signature/merchant-credential · 2 schemes

SECURITY

Vnlife Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 LLMsTxt
LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

DeclineCodes
DeclineCodes

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 Compliance
Compliance

Operate 2

Status, limits, changes, and where to get help

Support
Support
 ChangeLog
ChangeLog

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: vnlife
name: VNLIFE
description: VNLIFE is the Vietnamese technology and financial-services holding group whose flagship business is VNPAY (Vietnam
  Payment Solution Joint Stock Company), the leading electronic-payment provider in Vietnam. VNLIFE operates a payments and
  lifestyle ecosystem spanning the VNPAY-QR payment gateway (integrated across 40+ banks and 15+ e-wallets), SmartPOS/PhonePOS
  acceptance hardware, the VNPAY super-app, VnShop e-commerce, taxi booking, e-invoicing, and B2B payment platforms serving
  350,000+ merchants, 450,000+ acceptance points, and 60M+ users. The VNPAY payment gateway is exposed as a documented redirect/IPN
  HTTP API (VNPAY-QR / vpcpay) secured with HMAC-SHA512 checksums. VNLIFE is backed by investors including SoftBank Vision
  Fund and GIC.
url: https://raw.githubusercontent.com/api-evangelist/vnlife/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- softbank-vision-fund
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
image: https://vnpay.vn/assets/images/logo-vnpay-qr.png
tags:
- Company
- Fintech
- Payments
- Payment Gateway
- QR Payments
- E-Commerce
- Vietnam
- Financial Services
apis:
- name: VNPAY Payment Gateway
  description: The VNPAY-QR payment gateway (vpcpay) processes card, QR, ATM/bank-account and international-card payments
    via a browser redirect plus server-to-server IPN callback. Requests carry vnp_ parameters signed with an HMAC-SHA512 vnp_SecureHash;
    a merchant web API supports transaction query and refund.
  humanURL: https://sandbox.vnpayment.vn/apis/
  baseURL: https://sandbox.vnpayment.vn/paymentv2/vpcpay.html
  tags:
  - Payments
  - Payment Gateway
  - QR Payments
  properties:
  - type: DeveloperPortal
    url: https://sandbox.vnpayment.vn/apis/
  - type: Documentation
    url: https://sandbox.vnpayment.vn/apis/docs/gioi-thieu/gioi-thieu.html
  - type: APIReference
    url: https://sandbox.vnpayment.vn/apis/docs/thanh-toan-pay/pay.html
  - type: GettingStarted
    url: https://sandbox.vnpayment.vn/apis/docs/huong-dan-tich-hop/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/vnlife-domain-security.yml
- type: DeveloperPortal
  url: https://sandbox.vnpayment.vn/apis/
- type: Documentation
  url: https://sandbox.vnpayment.vn/apis/docs/gioi-thieu/gioi-thieu.html
- type: APIReference
  url: https://sandbox.vnpayment.vn/apis/docs/thanh-toan-pay/pay.html
- type: Website
  url: https://vnpay.vn
- type: Support
  url: https://vnpay.vn/lien-he
- type: Blog
  url: https://vnpay.vn/tin-tuc
- type: GettingStarted
  url: https://sandbox.vnpayment.vn/apis/docs/huong-dan-tich-hop/
- type: Sandbox
  url: sandbox/vnlife-sandbox.yml
- type: Authentication
  url: authentication/vnlife-authentication.yml
- type: Conventions
  url: conventions/vnlife-conventions.yml
- type: Idempotency
  url: conventions/vnlife-conventions.yml
- type: ErrorCatalog
  url: errors/vnlife-problem-types.yml
- type: DeclineCodes
  url: errors/vnlife-decline-codes.yml
- type: Lifecycle
  url: lifecycle/vnlife-lifecycle.yml
- type: Conformance
  url: conformance/vnlife-conformance.yml
- type: Compliance
  url: https://sandbox.vnpayment.vn/apis/
- type: ChangeLog
  url: changelog/vnlife-changelog.yml
- type: MCPServer
  url: mcp/vnlife-mcp.yml
- type: LLMsTxt
  url: llms/vnlife-llms.txt
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 12
  pass: local-v1