# VNLIFE

**Canonical:** https://apis.io/providers/vnlife/  
**Website:** https://vnpay.vn  
**APIs profiled:** 1

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.

## Kin Score — 26.3 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 26.3).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 12.5 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 60.9 |
| Commercial Clarity | 7.9 |

Regulatory layer — **Payments**: 34.4 (matched via tags).

## Agent readiness — 19.4 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (1)

- **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)

- **vnlife-mcp.yml**

## Security (2)

- **Vnlife Authentication** — checksum-signature/merchant-credential · 2 schemes
- **Vnlife Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/vnlife/). Scores are computed from the provider's own public artifacts under a published rubric.