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

22.3/100 emerging ▬ flat Agent 9/100 agent aware Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

1 APIs

Company Fintech Payments Payment Gateway QR Payments E-Commerce Vietnam Financial-Services

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 22.3/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 7.3 / 17

Access Clarity 1.3 / 17

Operational Transparency 1.7 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 5.2 / 15

Agent readiness — 9/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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...

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

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

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)

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
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
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: '0.23'
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
tags_raw:
- 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: X-MCPServerCandidate
  url: mcp/vnlife-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/vnlife-llms.txt
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 12
  pass: local-v1

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