{"id":95238,"date":"2026-07-19T14:40:26","date_gmt":"2026-07-19T07:40:26","guid":{"rendered":"https:\/\/impress.vn\/?p=95238"},"modified":"2026-07-19T18:00:43","modified_gmt":"2026-07-19T11:00:43","slug":"nen-tang-acquiring-hien-dai","status":"publish","type":"post","link":"https:\/\/impress.vn\/en\/tin-tuc\/nen-tang-acquiring-hien-dai\/","title":{"rendered":"B\u00ean trong m\u1ed9t n\u1ec1n t\u1ea3ng Acquiring hi\u1ec7n \u0111\u1ea1i: h\u00e0nh tr\u00ecnh t\u1eeb c\u00fa ch\u1ea1m th\u1ebb \u0111\u1ebfn ti\u1ec1n v\u1ec1 t\u00e0i kho\u1ea3n merchant"},"content":{"rendered":"<p>V\u1edbi ng\u01b0\u1eddi d\u00f9ng, thanh to\u00e1n b\u1eb1ng th\u1ebb ch\u1ec9 l\u00e0 m\u1ed9t c\u00fa ch\u1ea1m v\u00e0 m\u1ed9t ti\u1ebfng &#8220;b\u00edp&#8221; b\u00e1o th\u00e0nh c\u00f4ng. Nh\u01b0ng v\u1edbi \u0111\u1ed9i ng\u0169 v\u1eadn h\u00e0nh h\u1ea1 t\u1ea7ng ng\u00e2n h\u00e0ng, \u0111\u1eb1ng sau ti\u1ebfng &#8220;b\u00edp&#8221; \u0111\u00f3 l\u00e0 h\u00e0ng ch\u1ee5c quy\u1ebft \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111\u01b0a ra trong t\u00edch t\u1eafc b\u1edfi m\u1ed9t h\u1ec7 sinh th\u00e1i g\u1ed3m nhi\u1ec1u d\u1ecbch v\u1ee5 chuy\u00ean bi\u1ec7t ph\u1ed1i h\u1ee3p v\u1edbi nhau \u2014 kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 m\u1ed9t payment gateway. \u0110\u00e2y ch\u00ednh l\u00e0 <strong>n\u1ec1n t\u1ea3ng acquiring hi\u1ec7n \u0111\u1ea1i<\/strong>: t\u1eadp h\u1ee3p c\u00e1c th\u00e0nh ph\u1ea7n \u0111\u01b0a m\u1ed9t giao d\u1ecbch \u0111i t\u1eeb &#8220;tap&#8221; (kh\u00e1ch h\u00e0ng ch\u1ea1m th\u1ebb) t\u1edbi &#8220;settlement&#8221; (ti\u1ec1n th\u1ef1c s\u1ef1 v\u1ec1 tay merchant). B\u00e0i vi\u1ebft n\u00e0y h\u1ec7 th\u1ed1ng h\u00f3a c\u1ea5u tr\u00fac c\u1ee7a m\u1ed9t n\u1ec1n t\u1ea3ng acquiring hi\u1ec7n \u0111\u1ea1i \u2014 h\u00e0nh tr\u00ecnh giao d\u1ecbch, c\u00e1c lu\u1ed3ng d\u1eef li\u1ec7u v\u00e0 d\u00f2ng ti\u1ec1n, c\u00e1c engine ra quy\u1ebft \u0111\u1ecbnh, v\u00e0 nh\u1eefng r\u1ee7i ro c\u1ea7n l\u01b0u \u00fd khi v\u1eadn h\u00e0nh \u1edf quy m\u00f4 th\u1ef1c t\u1ebf. \u0110\u00e2y c\u0169ng l\u00e0 ph\u1ea7n m\u1edf r\u1ed9ng chi ti\u1ebft c\u1ee7a <a href=\"https:\/\/impress.vn\/en\/tin-tuc\/vong-doi-giao-dich-thanh-toan\/\">v\u00f2ng \u0111\u1eddi giao d\u1ecbch thanh to\u00e1n<\/a> m\u00e0 nhi\u1ec1u \u0111\u1ed9i v\u1eadn h\u00e0nh \u0111\u00e3 quen thu\u1ed9c.<\/p>\n<figure class=\"wp-block-image size-full\" style=\"margin: 1.5em 0;\"><img class=\"lazyload\" decoding=\"async\" style=\"width: 100%; height: auto; display: block;\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271024%27%20height%3D%271536%27%20viewBox%3D%270%200%201024%201536%27%3E%3Crect%20width%3D%271024%27%20height%3D%271536%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/impress.vn\/wp-content\/uploads\/2026\/07\/modern_acquiring_watermarked.jpg\" alt=\"S\u01a1 \u0111\u1ed3 n\u1ec1n t\u1ea3ng Acquiring hi\u1ec7n \u0111\u1ea1i k\u1ebft n\u1ed1i Merchant, Card Network, Issuer v\u00e0 Settlement Bank\" \/><\/figure>\n<h2>N\u1ec1n t\u1ea3ng Acquiring hi\u1ec7n \u0111\u1ea1i g\u1ed3m nh\u1eefng g\u00ec?<\/h2>\n<p>M\u1ed9t giao d\u1ecbch th\u00e0nh c\u00f4ng tr\u00f4ng c\u00f3 v\u1ebb \u0111\u01a1n gi\u1ea3n (ch\u1ea1m th\u1ebb \u2192 \u0111\u01b0\u1ee3c duy\u1ec7t \u2192 xong), nh\u01b0ng th\u00e1ch th\u1ee9c th\u1ef1c s\u1ef1 kh\u00f4ng n\u1eb1m \u1edf vi\u1ec7c t\u1ed1i \u01b0u m\u1ed9t th\u00e0nh ph\u1ea7n ri\u00eang l\u1ebb \u2014 m\u00e0 \u1edf vi\u1ec7c \u0111\u1ea3m b\u1ea3o m\u1ecdi giai \u0111o\u1ea1n ho\u1ea1t \u0111\u1ed9ng c\u00f9ng nhau nh\u01b0 m\u1ed9t h\u1ec7 th\u1ed1ng th\u1ed1ng nh\u1ea5t, \u0111\u00e1ng tin c\u1eady. To\u00e0n b\u1ed9 h\u00e0nh tr\u00ecnh giao d\u1ecbch \u0111\u01b0\u1ee3c chia th\u00e0nh 5 l\u1edbp: Customer Journey (h\u00e0nh tr\u00ecnh kh\u00e1ch h\u00e0ng), Payment Processing (x\u1eed l\u00fd thanh to\u00e1n), Decision &amp; Intelligence Layer (l\u1edbp ra quy\u1ebft \u0111\u1ecbnh), Financial Layer (l\u1edbp t\u00e0i ch\u00ednh), v\u00e0 Operations &amp; Intelligence Layer (l\u1edbp v\u1eadn h\u00e0nh v\u00e0 ph\u00e2n t\u00edch).<\/p>\n<h2>H\u00e0nh tr\u00ecnh 20 b\u01b0\u1edbc c\u1ee7a m\u1ed9t giao d\u1ecbch<\/h2>\n<p>M\u1ed9t giao d\u1ecbch th\u1ebb \u0111i qua chu\u1ed7i c\u00e1c th\u00e0nh ph\u1ea7n sau: Customer (kh\u00e1ch h\u00e0ng) \u2192 Merchant Checkout (trang thanh to\u00e1n) \u2192 Merchant Backend \u2192 API Gateway \u2192 Authentication (x\u00e1c th\u1ef1c) \u2192 Payment Gateway \u2192 Payment Orchestration (\u0111i\u1ec1u ph\u1ed1i thanh to\u00e1n) \u2192 Merchant Configuration Engine \u2192 Fraud &amp; Risk Engine \u2192 Tokenization (token h\u00f3a) \u2192 3DS Authentication \u2192 Smart Routing Engine (\u0111\u1ecbnh tuy\u1ebfn th\u00f4ng minh) \u2192 Multiple Acquirers (nhi\u1ec1u acquirer) \u2192 Card Networks \u2192 Issuers \u2192 Authorization \u2192 Clearing \u2192 Settlement \u2192 Merchant Funding (chuy\u1ec3n ti\u1ec1n cho merchant) \u2192 Reconciliation &amp; Reporting (\u0111\u1ed1i so\u00e1t v\u00e0 b\u00e1o c\u00e1o).<\/p>\n<p>20 b\u01b0\u1edbc n\u00e0y kh\u00f4ng ch\u1ea1y tu\u1ea7n t\u1ef1 m\u1ed9t c\u00e1ch \u0111\u01a1n gi\u1ea3n \u2014 m\u1ed7i b\u01b0\u1edbc l\u00e0 m\u1ed9t \u0111i\u1ec3m quy\u1ebft \u0111\u1ecbnh, \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi c\u00e1c engine chuy\u00ean bi\u1ec7t ch\u1ea1y song song \u0111\u1ec3 t\u1ed1i \u01b0u t\u1ed1c \u0111\u1ed9, \u0111\u1ed9 ch\u00ednh x\u00e1c, v\u00e0 t\u1ef7 l\u1ec7 duy\u1ec7t giao d\u1ecbch.<\/p>\n<h2>Hai lu\u1ed3ng ch\u1ea1y song song: d\u1eef li\u1ec7u v\u00e0 d\u00f2ng ti\u1ec1n<\/h2>\n<p>M\u1ed9t \u0111i\u1ec3m d\u1ec5 g\u00e2y nh\u1ea7m l\u1eabn trong v\u1eadn h\u00e0nh acquiring l\u00e0 vi\u1ec7c coi giao d\u1ecbch ch\u1ec9 c\u00f3 m\u1ed9t lu\u1ed3ng duy nh\u1ea5t. Th\u1ef1c t\u1ebf c\u00f3 hai lu\u1ed3ng t\u00e1ch bi\u1ec7t ch\u1ea1y song song:<\/p>\n<ul>\n<li><strong>Lu\u1ed3ng d\u1eef li\u1ec7u\/th\u00f4ng \u0111i\u1ec7p (Message\/Data Flow)<\/strong>: Merchant \u2192 Gateway \u2192 Orchestration \u2192 Acquirer \u2192 Card Network \u2192 Issuer \u2014 \u0111\u00e2y l\u00e0 lu\u1ed3ng mang th\u00f4ng tin giao d\u1ecbch v\u00e0 k\u1ebft qu\u1ea3 x\u00e1c th\u1ef1c (approve\/decline).<\/li>\n<li><strong>Lu\u1ed3ng quy\u1ebft to\u00e1n\/d\u00f2ng ti\u1ec1n (Settlement\/Funds Flow)<\/strong>: ch\u1ea1y theo chi\u1ec1u ng\u01b0\u1ee3c l\u1ea1i, qua Settlement Bank \u2192 Merchant Bank \u2014 \u0111\u00e2y m\u1edbi l\u00e0 lu\u1ed3ng ti\u1ec1n th\u1ef1c s\u1ef1 di chuy\u1ec3n.<\/li>\n<li><strong>Lu\u1ed3ng chuy\u1ec3n \u0111\u1ed5i ngo\u1ea1i t\u1ec7 (FX Conversion Flow)<\/strong>: xen gi\u1eefa hai lu\u1ed3ng tr\u00ean khi giao d\u1ecbch c\u00f3 y\u1ebfu t\u1ed1 \u0111a ti\u1ec1n t\u1ec7.<\/li>\n<\/ul>\n<p>Vi\u1ec7c t\u00e1ch bi\u1ec7t r\u00f5 hai lu\u1ed3ng n\u00e0y quan tr\u1ecdng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi vi\u1ec7c ph\u00e2n bi\u1ec7t authorization v\u00e0 settlement trong v\u00f2ng \u0111\u1eddi giao d\u1ecbch n\u00f3i chung \u2014 k\u1ebft qu\u1ea3 approve \u1edf lu\u1ed3ng message kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ti\u1ec1n \u0111\u00e3 v\u1ec1 t\u00e0i kho\u1ea3n merchant.<\/p>\n<h2>Ch\u00edn &#8220;b\u1ed9 n\u00e3o&#8221; quy\u1ebft \u0111\u1ecbnh c\u1ee7a n\u1ec1n t\u1ea3ng<\/h2>\n<p>M\u1ed9t n\u1ec1n t\u1ea3ng acquiring hi\u1ec7n \u0111\u1ea1i v\u1eadn h\u00e0nh nh\u1edd 9 engine ra quy\u1ebft \u0111\u1ecbnh th\u00f4ng minh ch\u1ea1y song song trong su\u1ed1t h\u00e0nh tr\u00ecnh giao d\u1ecbch:<\/p>\n<ol>\n<li><strong>Configuration Engine<\/strong> \u2014 qu\u1ea3n l\u00fd c\u1ea5u h\u00ecnh ri\u00eang cho t\u1eebng merchant.<\/li>\n<li><strong>Routing Engine<\/strong> \u2014 ch\u1ecdn acquirer\/\u0111\u01b0\u1eddng d\u1eabn x\u1eed l\u00fd t\u1ed1i \u01b0u.<\/li>\n<li><strong>Risk Engine<\/strong> \u2014 \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro giao d\u1ecbch.<\/li>\n<li><strong>Fraud Engine<\/strong> \u2014 ph\u00e1t hi\u1ec7n gian l\u1eadn theo th\u1eddi gian th\u1ef1c.<\/li>\n<li><strong>Retry Engine<\/strong> \u2014 x\u1eed l\u00fd logic th\u1eed l\u1ea1i khi giao d\u1ecbch th\u1ea5t b\u1ea1i.<\/li>\n<li><strong>FX Engine<\/strong> \u2014 x\u1eed l\u00fd chuy\u1ec3n \u0111\u1ed5i ngo\u1ea1i t\u1ec7.<\/li>\n<li><strong>Token Engine<\/strong> \u2014 qu\u1ea3n l\u00fd token h\u00f3a d\u1eef li\u1ec7u th\u1ebb.<\/li>\n<li><strong>3DS Engine<\/strong> \u2014 \u0111i\u1ec1u ph\u1ed1i x\u00e1c th\u1ef1c 3-D Secure.<\/li>\n<li><strong>AI Decision Layer<\/strong> \u2014 l\u1edbp quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean machine learning cho routing, risk, approval, v\u00e0 d\u1ef1 \u0111o\u00e1n.<\/li>\n<\/ol>\n<h2>N\u0103ng l\u1ef1c n\u1ec1n t\u1ea3ng v\u00e0 c\u00e1c ch\u1ec9 s\u1ed1 v\u1eadn h\u00e0nh c\u1ed1t l\u00f5i<\/h2>\n<p>Ngo\u00e0i c\u00e1c engine quy\u1ebft \u0111\u1ecbnh, m\u1ed9t n\u1ec1n t\u1ea3ng acquiring ho\u00e0n ch\u1ec9nh c\u1ea7n nh\u00f3m n\u0103ng l\u1ef1c n\u1ec1n t\u1ea3ng g\u1ed3m: Merchant Management, Gateway Management, Token Vault, Risk Management, Dispute Management, Reconciliation, Fraud Management, Fee Engine, Analytics &amp; Reporting, v\u00e0 Reserve Management.<\/p>\n<p>S\u1ee9c kh\u1ecfe c\u1ee7a to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng \u0111\u01b0\u1ee3c theo d\u00f5i qua c\u00e1c ch\u1ec9 s\u1ed1 th\u1eddi gian th\u1ef1c: Approval Rate (t\u1ef7 l\u1ec7 duy\u1ec7t), Gateway Health, Acquirer Health, Network Availability, Issuer Response Time, Transaction Latency, Settlement Accuracy, Reconciliation Match Rate, Fraud Rate, Retry Recovery Rate, Merchant Success Rate, v\u00e0 Revenue Protected. \u0110\u00e2y l\u00e0 b\u1ed9 KPI m\u00e0 \u0111\u1ed9i v\u1eadn h\u00e0nh c\u1ea7n gi\u00e1m s\u00e1t li\u00ean t\u1ee5c \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o n\u1ec1n t\u1ea3ng ho\u1ea1t \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh.<\/p>\n<h2>Vai tr\u00f2 c\u1ee7a AI xuy\u00ean su\u1ed1t n\u1ec1n t\u1ea3ng<\/h2>\n<p>AI kh\u00f4ng ch\u1ec9 n\u1eb1m \u1edf l\u1edbp fraud detection m\u00e0 \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng xuy\u00ean su\u1ed1t: Routing Prediction (d\u1ef1 \u0111o\u00e1n \u0111\u1ecbnh tuy\u1ebfn t\u1ed1i \u01b0u), Capacity Forecasting (d\u1ef1 b\u00e1o t\u1ea3i h\u1ec7 th\u1ed1ng), Fraud Detection, Incident Prediction (d\u1ef1 \u0111o\u00e1n s\u1ef1 c\u1ed1), Approval Prediction, Settlement Anomaly Detection (ph\u00e1t hi\u1ec7n b\u1ea5t th\u01b0\u1eddng trong quy\u1ebft to\u00e1n), FX Optimization, Configuration Recommendation, Complexity Segmentation, v\u00e0 Root Cause Analysis (ph\u00e2n t\u00edch nguy\u00ean nh\u00e2n g\u1ed1c khi c\u00f3 s\u1ef1 c\u1ed1).<\/p>\n<h2>Governance, r\u1ee7i ro v\u00e0 tu\u00e2n th\u1ee7<\/h2>\n<p>M\u1ed9t n\u1ec1n t\u1ea3ng acquiring hi\u1ec7n \u0111\u1ea1i v\u1eadn h\u00e0nh trong khu\u00f4n kh\u1ed5 qu\u1ea3n tr\u1ecb ch\u1eb7t ch\u1ebd: tu\u00e2n th\u1ee7 PCI DSS, ki\u1ec3m so\u00e1t truy c\u1eadp theo vai tr\u00f2 (Role-Based Access), tu\u00e2n th\u1ee7 chu\u1ea9n EMV v\u00e0 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a card scheme, b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u v\u00e0 tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh v\u1ec1 c\u01b0 tr\u00fa d\u1eef li\u1ec7u (Data Residency &amp; Privacy), tu\u00e2n th\u1ee7 v\u1ec1 token h\u00f3a, tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh KYC\/AML\/Sanctions, l\u01b0u v\u1ebft ki\u1ec3m to\u00e1n (Audit Trail), \u0111\u1ea3m b\u1ea3o continuity v\u00e0 kh\u00f4i ph\u1ee5c sau s\u1ef1 c\u1ed1 (Business Continuity &amp; DR), quy tr\u00ecnh ph\u00ea duy\u1ec7t ch\u00e9o (Maker-Checker Workflows), v\u00e0 quy tr\u00ecnh ph\u00e1t tri\u1ec3n ph\u1ea7n m\u1ec1m b\u1ea3o m\u1eadt (Secure SDLC &amp; DevOps).<\/p>\n<h2>R\u1ee7i ro v\u00e0 gi\u1edbi h\u1ea1n c\u1ea7n l\u01b0u \u00fd<\/h2>\n<ul>\n<li>\u0110\u00e2y l\u00e0 m\u00f4 h\u00ecnh t\u1ed5ng h\u1ee3p mang t\u00ednh playbook\/tham kh\u1ea3o, kh\u00f4ng ph\u1ea3i t\u00e0i li\u1ec7u chu\u1ea9n h\u00f3a ch\u00ednh th\u1ee9c t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c nh\u01b0 ISO hay PCI Security Standards Council \u2014 c\u1ea7n \u0111\u1ed1i chi\u1ebfu th\u00eam v\u1edbi chu\u1ea9n ch\u00ednh th\u1ee9c khi \u00e1p d\u1ee5ng v\u00e0o d\u1ef1 \u00e1n th\u1ef1c t\u1ebf.<\/li>\n<li>\u0110\u1ed9 ph\u1ee9c t\u1ea1p c\u1ee7a m\u00f4 h\u00ecnh \u0111\u1ea7y \u0111\u1ee7 (20 b\u01b0\u1edbc, 9 engine, v\u00e0 h\u00e0ng lo\u1ea1t n\u0103ng l\u1ef1c n\u1ec1n t\u1ea3ng) l\u00e0 r\u1ea5t cao \u2014 kh\u00f4ng ph\u1ea3i acquirer hay d\u1ef1 \u00e1n n\u00e0o c\u0169ng c\u1ea7n tri\u1ec3n khai to\u00e0n b\u1ed9; c\u1ea7n \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 ph\u00f9 h\u1ee3p theo quy m\u00f4 th\u1ef1c t\u1ebf tr\u01b0\u1edbc khi \u00e1p d\u1ee5ng.<\/li>\n<li>Nhi\u1ec1u th\u00e0nh ph\u1ea7n trong h\u1ec7 th\u1ed1ng (card network, issuer, \u0111\u1ed1i t\u00e1c FX) ph\u1ee5 thu\u1ed9c v\u00e0o b\u00ean th\u1ee9 ba, n\u1eb1m ngo\u00e0i t\u1ea7m ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 c\u1ee7a acquirer\/PSP.<\/li>\n<\/ul>\n<p>\u1ede l\u1edbp v\u1eadt l\u00fd t\u1ea1i \u0111i\u1ec3m b\u00e1n, s\u1ef1 \u1ed5n \u0111\u1ecbnh c\u1ee7a n\u1ec1n t\u1ea3ng acquiring c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o ch\u00ednh thi\u1ebft b\u1ecb \u0111\u1ea7u cu\u1ed1i \u2014 vi\u1ec7c l\u1ef1a ch\u1ecdn <a href=\"https:\/\/impress.vn\/en\/tin-tuc\/top-5-cong-ty-ban-linh-kien-atm-uy-tin-nhat-viet-nam\/\">\u0111\u01a1n v\u1ecb cung c\u1ea5p linh ki\u1ec7n ATM\/POS uy t\u00edn<\/a> gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro gi\u00e1n \u0111o\u1ea1n ngay t\u1eeb b\u01b0\u1edbc kh\u1edfi t\u1ea1o giao d\u1ecbch, tr\u01b0\u1edbc khi giao d\u1ecbch \u0111i v\u00e0o c\u00e1c lu\u1ed3ng x\u1eed l\u00fd ph\u00eda sau.<\/p>\n<h2>Ngu\u1ed3n tham kh\u1ea3o<\/h2>\n<p>N\u1ed9i dung \u0111\u01b0\u1ee3c t\u1ed5ng h\u1ee3p t\u1eeb lo\u1ea1t b\u00e0i &#8220;Acquiring Series&#8221; (ph\u1ea7n 20\/20) tr\u00ean LinkedIn c\u1ee7a Vikram Kumar, Senior Product Manager FinTech + AI (Card &amp; Wallet Payments), \u0111\u0103ng ng\u00e0y 09\/07\/2026.<\/p>\n<h2>K\u1ebft lu\u1eadn<\/h2>\n<p>M\u1ed9t n\u1ec1n t\u1ea3ng acquiring hi\u1ec7n \u0111\u1ea1i kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t h\u1ec7 th\u1ed1ng \u0111\u01a1n l\u1ebb m\u00e0 l\u00e0 m\u1ed9t h\u1ec7 sinh th\u00e1i g\u1ed3m nhi\u1ec1u l\u1edbp, nhi\u1ec1u engine quy\u1ebft \u0111\u1ecbnh, v\u00e0 hai lu\u1ed3ng d\u1eef li\u1ec7u\/d\u00f2ng ti\u1ec1n ch\u1ea1y song song \u2014 t\u1ea5t c\u1ea3 ph\u1ed1i h\u1ee3p \u0111\u1ec3 \u0111\u01b0a m\u1ed9t giao d\u1ecbch t\u1eeb c\u00fa ch\u1ea1m th\u1ebb \u0111\u1ebfn khi ti\u1ec1n th\u1ef1c s\u1ef1 v\u1ec1 tay merchant. Hi\u1ec3u \u0111\u00fang c\u1ea5u tr\u00fac n\u00e0y gi\u00fap \u0111\u1ed9i ng\u0169 v\u1eadn h\u00e0nh \u0111\u00e1nh gi\u00e1 \u0111\u00fang m\u1ee9c \u0111\u1ed9 tr\u01b0\u1edfng th\u00e0nh c\u1ee7a h\u1ec7 th\u1ed1ng hi\u1ec7n t\u1ea1i v\u00e0 \u01b0u ti\u00ean \u0111\u1ea7u t\u01b0 \u0111\u00fang ch\u1ed7. Impress Co. \u0111\u1ed3ng h\u00e0nh c\u00f9ng ng\u00e2n h\u00e0ng v\u00e0 \u0111\u01a1n v\u1ecb v\u1eadn h\u00e0nh ATM\/POS trong vi\u1ec7c t\u1ed1i \u01b0u h\u1ea1 t\u1ea7ng thanh to\u00e1n v\u00e0 x\u1eed l\u00fd ti\u1ec1n m\u1eb7t. Li\u00ean h\u1ec7 t\u01b0 v\u1ea5n: <a href=\"https:\/\/impress.vn\/en\/\">impress.vn<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>V\u1edbi ng\u01b0\u1eddi d\u00f9ng, thanh to\u00e1n b\u1eb1ng th\u1ebb ch\u1ec9 l\u00e0 m\u1ed9t  [&#8230;]<\/p>","protected":false},"author":2,"featured_media":95241,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[441],"tags":[],"class_list":["post-95238","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kien-thuc-thanh-toan"],"_links":{"self":[{"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/posts\/95238","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/comments?post=95238"}],"version-history":[{"count":2,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/posts\/95238\/revisions"}],"predecessor-version":[{"id":95242,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/posts\/95238\/revisions\/95242"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/media\/95241"}],"wp:attachment":[{"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/media?parent=95238"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/categories?post=95238"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/tags?post=95238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}