1 Jan 2026
Presumptive tax for household businesses ends. Merchants move to declaring actual revenue.
VOH · 1 Jan 2026WHITE-LABEL / OEM · VIETNAM
Your own merchant POS. Live in 90 days, not two years.
A complete, tested point-of-sale and merchant app, under your brand, connected to your accounts and payment rails, so your SME customers run their business inside your ecosystem.
Built and operated by LOOP since 2019.
YourBankY
Current order
Coffee
Tea
Pastry
Order total
VietQR payment
YourBank
YourBank account
Awaiting payment
02 / WHY NOW
The merchant landscape has changed.
₫1B+
Household businesses with annual revenue of at least ₫1B in F&B, hotels and specified consumer services must issue tax-connected cash-register e-invoices, from 1 Jun 2025.
Decree 70/2025/ND-CP · 20 Mar 2025+124%
Growth in QR payment value in Vietnam in 2025, compared with 2024.
State Bank of Vietnam via VnEconomy · 2 Feb 20263.6M
Household and individual businesses in Vietnam. Ministry of Finance estimate at end-2024, reported in December 2025.
Ministry of Finance via Báo Đầu tư · 18 Dec 2025The merchant's daily tool is being chosen right now. Whoever provides it holds the relationship.
03 / THE BANK'S DILEMMA
Three familiar choices. One different approach.
Build it yourself
18 to 24 months, a new product team, and a moving tax and payments target.
Refer to a third-party POS
Their data, their app icon, their relationship.
Do nothing
Merchants keep the account, but daily activity and data flow somewhere else.
04 / WHAT YOU GET
Your brand. The complete merchant toolkit.
One scoped programme, from the counter to your SME team.
Branded POS app
Tablet, phone and web, in your name and colours.
Merchant back office
Products, menus, staff, multi-branch operations and reports.
VietQR payments
Connect to your bank’s payment systems for settlement into your accounts.
SoftPOS and card terminals
Support scoped with your acquiring systems and settlement accounts.
Tax-ready e-invoices
Cash-register e-invoices connected to the tax authority.
Your onboarding flow
Merchant registration with KYC handed off to your systems.
SME data and reporting
Merchant activity, volumes and cohorts for your team.
Ongoing updates
Tax and payment-rule changes maintained within the agreed scope.
VietQR is the Vietnam payment rail. SoftPOS, card acquiring, account connections and settlement depend on the agreed integration and your systems. LOOP POS does not hold merchant funds.
YourBankToday
Daily sales
Merchant activityIllustrative screen
YourBank
E-invoice
Invoice statusReady to issue
05 / OUTCOMES
A daily relationship, not just an account.
More current-account balances and transaction flow from SME merchants.
Earlier lending signals from real sales data.
A daily touchpoint that keeps merchants in your app.
A faster answer to the 2026 tax changes than starting an internal build.
06 / BUILD VS BUY
Build in-house or white-label.
| Decision | Build in-house | White-label with LOOP |
|---|---|---|
| Time to first merchant live | 18–24 months | About 90 days, subject to scope and approvals |
| Upfront investment | Fund a new product programme | A defined setup and branding project |
| Team you need | New product and engineering team | A small project team from your side |
| Keeping up with tax rules | Your team owns every change | Ongoing platform updates within agreed scope |
| Payment rails | Build and maintain each connection | Integrate with your existing account and acquiring systems |
| Risk | New product and operational delivery | Established POS foundation; integration and pilot acceptance remain |
Time to first merchant live
Build in-house: 18–24 months
White-label with LOOP: About 90 days, subject to scope and approvals
Upfront investment
Build in-house: Fund a new product programme
White-label with LOOP: A defined setup and branding project
Team you need
Build in-house: New product and engineering team
White-label with LOOP: A small project team from your side
Keeping up with tax rules
Build in-house: Your team owns every change
White-label with LOOP: Ongoing platform updates within agreed scope
Payment rails
Build in-house: Build and maintain each connection
White-label with LOOP: Integrate with your existing account and acquiring systems
Risk
Build in-house: New product and operational delivery
White-label with LOOP: Established POS foundation; integration and pilot acceptance remain
07 / TIMELINE
A scoped path to launch.
- 01Weeks 0–2
Discovery and scoping
Brand, rails, onboarding and data needs.
- 02Weeks 3–6
Brand and integrate
Branding, payment and account connections, compliance review.
- 03Weeks 7–10
Merchant pilot
Pilot with a small group of merchants.
- 04Weeks 11–13
Launch and scale
Roll out with your SME and branch teams.
Timeline depends on integration scope and your internal approvals.
08 / COMMERCIAL MODEL
A commercial model built around adoption.
One-time setup and branding
Platform licence per active merchant
Optional revenue share on value-added services
We share a proposal after the briefing, sized to your merchant base.
09 / SECURITY & CONTINUITY
Security and continuity, in the contract.
- Data hosted and handled under Vietnamese data-protection rules, including Decree 13/2023 and applicable current requirements.
- Role-based access and audit logs.
- Encryption in transit and at rest.
- Security documentation available for procurement review.
- Source-code escrow and continuity terms can be agreed in contract.
- A named account team.
10 / WHO IT'S FOR
Who it's for.
Commercial banks with an SME or household-business segment
Digital banks
Payment and fintech companies serving merchants
Telecom and super-app platforms with a merchant base
F&B is our core, with retail supported.
11 / FAQ
Questions before the briefing.
How long does it take?
The proposed launch programme is about 90 days, with discovery, integration, a merchant pilot and rollout. The schedule depends on the integration scope, procurement, compliance review and your internal approvals. We agree the delivery plan before the project starts.
Whose brand and app-store listing is it?
The merchant app uses your approved name, colours and identity. The publishing account, app-store listing and release responsibilities are agreed during scoping, subject to the store’s approval process. YourBank on this page is a fictional illustration, not a client.
Who owns the merchant data?
Your merchant relationship and rights to merchant data are defined in the contract. The agreement sets out each party’s controller or processor responsibilities, merchant consent, access, permitted uses, retention and export. LOOP operates the platform within those agreed instructions and applicable law.
Which payment rails are supported?
VietQR is the Vietnam rail for the proposed bank-account connection. Direct account settlement, SoftPOS and card-terminal connections are scoped with your payment and acquiring systems and require integration and acceptance testing. LOOP POS does not hold merchant funds; other payment rails are not presented as live integrations.
Does it handle the 2026 tax changes and e-invoices?
The Vietnam POS includes cash-register e-invoice workflows connected to the tax authority. Your implementation is reviewed against the relevant requirements, including Decree 70/2025/ND-CP and the end of presumptive taxation from 1 January 2026. Merchant eligibility, tax registration and each merchant’s obligations still need to be checked.
What do you need from our side?
We need a named product owner, brand assets and access to the relevant account, payment and onboarding specifications. Your security, compliance and operations teams review the proposed flows. We also agree the pilot merchants, data requirements and launch acceptance criteria.
Can merchants who already use LOOP move to our brand?
A migration can be scoped for existing LOOP POS merchants who choose to move. We review merchant consent, account mapping, historical data, devices and payment connections before committing to a migration plan. The transition is agreed with your team and the participating merchants.
How is pricing structured?
The structure is one-time setup and branding, plus a platform licence per active merchant. An optional revenue share can be agreed for value-added services. We provide a proposal after the briefing, sized to your merchant base and integration scope.
12 / BRIEFING
Book a 30-minute briefing.
Tell us about your merchant programme.
13 / OTHER WAYS TO PARTNER
Other ways to partner.
PEKO customers get 50% off LOOP POS paid plans.
14 / SOURCES
Sources.
- Presumptive tax ends from 1 January 2026VOH · 1 Jan 2026
- Decree 70/2025/ND-CP, effective 1 June 2025Government of Vietnam · 20 Mar 2025
- QR payment value grew 124.06% year-on-year in 2025State Bank of Vietnam, via VnEconomy · 2 Feb 2026
- About 3.6 million household and individual businessesMinistry of Finance, via Báo Đầu tư · 18 Dec 2025; estimate at end-2024
