Large merchant network SmartPay serves over 650 thousand payment acceptance units and reaches more than 40 million users, indicating a widespread merchant base and high transaction volume potential for cross-sell of funding products, payment solutions, and value-added services.

SME financing focus With a mission to empower micro, small and medium enterprises and offering Buy Now Pay Later, consumer durable loans and business loans, there is a clear opportunity to upsell additional lending products, working capital lines, and merchant cash advances to a growing SME customer segment.

Diversified payment tech SmartPay supports QR, Tap to Pay, Facepay, bank cards, and online gateways, suggesting room to introduce advanced payment rails, loyalty integrations, risk-managed checkout features, and co-branded payment campaigns to merchants seeking omnichannel capabilities.

Security and compliance As a PCI DSS level 1 certified provider and a member of the Vietnam Banks' Association, SmartPay demonstrates strong security and regulatory alignment, presenting an opportunity to pitch premium security enhancements, audit-ready solutions, and enterprise-grade compliance offerings to larger partners.

Tech-enabled scale Utilizing a modern tech stack (Google Cloud, ELK, MicroStrategy, Nagios, VMware, Hotjar, Lucidchart) indicates readiness for data-driven sales motions, analytics-driven merchant insights, and scalable integrations, enabling targeted upsell of analytics services, merchant dashboards, and performance marketing partnerships.