{"id":95285,"date":"2026-08-25T15:59:49","date_gmt":"2026-08-25T08:59:49","guid":{"rendered":"https:\/\/impress.vn\/?p=95285"},"modified":"2026-08-25T15:59:49","modified_gmt":"2026-08-25T08:59:49","slug":"napas-247-va-vietqr-khac-nhau-the-nao","status":"publish","type":"post","link":"https:\/\/impress.vn\/en\/tin-tuc\/napas-247-va-vietqr-khac-nhau-the-nao\/","title":{"rendered":"NAPAS 247 V\u00e0 VietQR Kh\u00e1c Nhau Th\u1ebf N\u00e0o? M\u00f4 H\u00ecnh Ph\u00e2n L\u1edbp Cho \u0110\u1ed9i K\u1ef9 Thu\u1eadt Ng\u00e2n H\u00e0ng"},"content":{"rendered":"<p>Trong c\u00e1c bu\u1ed5i h\u1ecdp x\u1eed l\u00fd s\u1ef1 c\u1ed1 thanh to\u00e1n QR, c\u00f3 m\u1ed9t t\u00ecnh hu\u1ed1ng l\u1eb7p \u0111i l\u1eb7p l\u1ea1i: kh\u00e1ch h\u00e0ng b\u00e1o &#8220;qu\u00e9t VietQR chuy\u1ec3n ti\u1ec1n b\u1ecb l\u1ed7i&#8221;, v\u00e0 c\u1ea3 ph\u00f2ng b\u1eaft \u0111\u1ea7u tranh lu\u1eadn xem l\u1ed7i n\u1eb1m \u1edf \u0111\u00e2u \u2014 \u1edf m\u00e3 QR, \u1edf d\u1ecbch v\u1ee5 chuy\u1ec3n ti\u1ec1n, hay \u1edf h\u1ea1 t\u1ea7ng chuy\u1ec3n m\u1ea1ch. Nguy\u00ean nh\u00e2n s\u00e2u xa th\u01b0\u1eddng kh\u00f4ng ph\u1ea3i k\u1ef9 thu\u1eadt, m\u00e0 l\u00e0 do <strong>NAPAS 247 v\u00e0 VietQR<\/strong> b\u1ecb hi\u1ec3u l\u00e0 c\u00f9ng m\u1ed9t th\u1ee9, trong khi th\u1ef1c t\u1ebf ch\u00fang n\u1eb1m \u1edf hai l\u1edbp ho\u00e0n to\u00e0n kh\u00e1c nhau. B\u00e0i vi\u1ebft n\u00e0y tr\u00ecnh b\u00e0y m\u00f4 h\u00ecnh ph\u00e2n l\u1edbp b\u1ed1n t\u1ea7ng gi\u00fap \u0111\u1ed9i k\u1ef9 thu\u1eadt v\u00e0 v\u1eadn h\u00e0nh khoanh v\u00f9ng \u0111\u00fang v\u1ea5n \u0111\u1ec1 ngay t\u1eeb ph\u00fat \u0111\u1ea7u ti\u00ean.<\/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%271200%27%20height%3D%27630%27%20viewBox%3D%270%200%201200%20630%27%3E%3Crect%20width%3D%271200%27%20height%3D%27630%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/impress.vn\/wp-content\/uploads\/2026\/08\/napas-247-vietqr-phan-lop-impress.png\" alt=\"M\u00f4 h\u00ecnh ph\u00e2n l\u1edbp NAPAS 247 v\u00e0 VietQR\" \/><\/figure>\n<h2>Ba kh\u00e1i ni\u1ec7m th\u01b0\u1eddng b\u1ecb \u0111\u00e1nh \u0111\u1ed3ng<\/h2>\n<p>C\u00f3 ba t\u00ean g\u1ecdi hay xu\u1ea5t hi\u1ec7n c\u00f9ng nhau nh\u01b0ng m\u00f4 t\u1ea3 nh\u1eefng th\u1ee9 kh\u00e1c nhau v\u1ec1 b\u1ea3n ch\u1ea5t:<\/p>\n<ul>\n<li><strong>NAPAS<\/strong> \u2014 m\u1ed9t t\u1ed5 ch\u1ee9c.<\/li>\n<li><strong>NAPAS 247<\/strong> \u2014 m\u1ed9t d\u1ecbch v\u1ee5 do t\u1ed5 ch\u1ee9c \u0111\u00f3 cung c\u1ea5p.<\/li>\n<li><strong>VietQR<\/strong> \u2014 m\u1ed9t chu\u1ea9n m\u00e3 h\u00f3a d\u1eef li\u1ec7u.<\/li>\n<\/ul>\n<p>\u0110\u00e1nh \u0111\u1ed3ng c\u1ea3 ba l\u00e0m m\u1ed9t l\u00e0 l\u00fd do khi\u1ebfn vi\u1ec7c m\u00f4 t\u1ea3 s\u1ef1 c\u1ed1 tr\u1edf n\u00ean m\u01a1 h\u1ed3. C\u00e1ch x\u1eed l\u00fd hi\u1ec7u qu\u1ea3 h\u01a1n l\u00e0 nh\u00ecn ch\u00fang nh\u01b0 c\u00e1c l\u1edbp ch\u1ed3ng l\u00ean nhau.<\/p>\n<h2>M\u00f4 h\u00ecnh ph\u00e2n l\u1edbp NAPAS 247 v\u00e0 VietQR<\/h2>\n<table>\n<thead>\n<tr>\n<th>L\u1edbp<\/th>\n<th>Kh\u00e1i ni\u1ec7m<\/th>\n<th>Vai tr\u00f2<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>L\u1edbp 1 \u2014 T\u1ed5 ch\u1ee9c h\u1ea1 t\u1ea7ng<\/td>\n<td>NAPAS<\/td>\n<td>C\u00f4ng ty v\u1eadn h\u00e0nh chuy\u1ec3n m\u1ea1ch v\u00e0 b\u00f9 tr\u1eeb qu\u1ed1c gia \u2014 l\u1edbp h\u1ea1 t\u1ea7ng n\u1ec1n<\/td>\n<\/tr>\n<tr>\n<td>L\u1edbp 2 \u2014 D\u1ecbch v\u1ee5 chuy\u1ec3n ti\u1ec1n<\/td>\n<td>NAPAS 247<\/td>\n<td>D\u1ecbch v\u1ee5 chuy\u1ec3n ti\u1ec1n nhanh 24\/7 gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng th\u00e0nh vi\u00ean<\/td>\n<\/tr>\n<tr>\n<td>L\u1edbp 3 \u2014 Chu\u1ea9n kh\u1edfi t\u1ea1o giao d\u1ecbch<\/td>\n<td>VietQR<\/td>\n<td>Chu\u1ea9n m\u00e3 h\u00f3a QR (tu\u00e2n th\u1ee7 EMVCo v\u00e0 b\u1ed9 ti\u00eau chu\u1ea9n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc) \u2014 m\u1ed9t trong c\u00e1c ph\u01b0\u01a1ng th\u1ee9c kh\u1edfi t\u1ea1o giao d\u1ecbch NAPAS 247<\/td>\n<\/tr>\n<tr>\n<td>L\u1edbp 4 \u2014 Tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng<\/td>\n<td>VietQR Payment Flow<\/td>\n<td>Lu\u1ed3ng thao t\u00e1c c\u1ee5 th\u1ec3: t\u1ea1o m\u00e3, qu\u00e9t m\u00e3, x\u00e1c nh\u1eadn<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>C\u00e1ch \u0111\u1ecdc s\u01a1 \u0111\u1ed3<\/h3>\n<p>M\u1ed9t giao d\u1ecbch &#8220;qu\u00e9t VietQR chuy\u1ec3n ti\u1ec1n&#8221; \u0111i t\u1eeb tr\u00ean xu\u1ed1ng: L\u1edbp 4 (thao t\u00e1c ng\u01b0\u1eddi d\u00f9ng) s\u1eed d\u1ee5ng L\u1edbp 3 (chu\u1ea9n VietQR \u0111\u1ec3 m\u00e3 h\u00f3a th\u00f4ng tin ng\u01b0\u1eddi nh\u1eadn), \u0111\u01b0\u1ee3c x\u1eed l\u00fd b\u1edfi L\u1edbp 2 (d\u1ecbch v\u1ee5 NAPAS 247), v\u00e0 ch\u1ea1y tr\u00ean L\u1edbp 1 (h\u1ea1 t\u1ea7ng NAPAS).<\/p>\n<p>Hai h\u1ec7 qu\u1ea3 quan tr\u1ecdng \u0111i k\u00e8m:<\/p>\n<ol>\n<li><strong>Kh\u00f4ng ph\u1ea3i m\u1ecdi giao d\u1ecbch NAPAS 247 \u0111\u1ec1u d\u00f9ng VietQR<\/strong> \u2014 ng\u01b0\u1eddi d\u00f9ng ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 chuy\u1ec3n b\u1eb1ng s\u1ed1 t\u00e0i kho\u1ea3n tr\u1ef1c ti\u1ebfp.<\/li>\n<li><strong>VietQR v\u1ec1 nguy\u00ean t\u1eafc c\u00f3 th\u1ec3 ph\u1ee5c v\u1ee5 m\u1ee5c \u0111\u00edch kh\u00e1c ngo\u00e0i NAPAS 247<\/strong> \u2014 v\u00ed d\u1ee5 VietQRCash, d\u1ecbch v\u1ee5 r\u00fat ti\u1ec1n b\u1eb1ng m\u00e3 VietQR \u0111\u01b0\u1ee3c NAPAS li\u1ec7t k\u00ea ri\u00eang trong danh m\u1ee5c d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p.<\/li>\n<\/ol>\n<h2>\u1ee8ng d\u1ee5ng: khoanh v\u00f9ng l\u1ed7i theo \u0111\u00fang l\u1edbp<\/h2>\n<p>\u0110\u00e2y l\u00e0 gi\u00e1 tr\u1ecb th\u1ef1c t\u1ebf l\u1edbn nh\u1ea5t c\u1ee7a m\u00f4 h\u00ecnh khi thi\u1ebft k\u1ebf ho\u1eb7c debug t\u00edch h\u1ee3p thanh to\u00e1n QR t\u1ea1i Vi\u1ec7t Nam:<\/p>\n<ul>\n<li><strong>L\u1ed7i hi\u1ec3n th\u1ecb ho\u1eb7c qu\u00e9t m\u00e3<\/strong> \u2192 v\u1ea5n \u0111\u1ec1 n\u1eb1m \u1edf L\u1edbp 3\u20134 (chu\u1ea9n VietQR ho\u1eb7c tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng).<\/li>\n<li><strong>Giao d\u1ecbch treo, timeout gi\u1eefa hai ng\u00e2n h\u00e0ng<\/strong> \u2192 v\u1ea5n \u0111\u1ec1 \u1edf L\u1edbp 2 (d\u1ecbch v\u1ee5 NAPAS 247).<\/li>\n<li><strong>S\u1ef1 c\u1ed1 di\u1ec7n r\u1ed9ng \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u ng\u00e2n h\u00e0ng<\/strong> \u2192 v\u1ea5n \u0111\u1ec1 \u1edf L\u1edbp 1 (h\u1ea1 t\u1ea7ng NAPAS).<\/li>\n<\/ul>\n<p>C\u00e1ch ph\u00e2n t\u00e1ch n\u00e0y gi\u00fap \u0111\u1ed9i v\u1eadn h\u00e0nh g\u1ecdi \u0111\u00fang \u0111\u1ea7u m\u1ed1i ngay t\u1eeb \u0111\u1ea7u, thay v\u00ec lu\u00e2n chuy\u1ec3n ticket qua nhi\u1ec1u nh\u00f3m. N\u00f3 c\u0169ng b\u1ed5 sung t\u1ed1t cho b\u1ee9c tranh t\u1ed5ng th\u1ec3 trong b\u00e0i <a href=\"https:\/\/impress.vn\/en\/tin-tuc\/he-sinh-thai-thanh-toan-viet-nam\/\">H\u1ec7 sinh th\u00e1i thanh to\u00e1n Vi\u1ec7t Nam<\/a>, v\u00e0 li\u00ean quan tr\u1ef1c ti\u1ebfp t\u1edbi c\u00e1ch ph\u00e2n bi\u1ec7t t\u1ed1c \u0111\u1ed9 tr\u1ea3i nghi\u1ec7m v\u1edbi t\u1ed1c \u0111\u1ed9 quy\u1ebft to\u00e1n \u0111\u00e3 b\u00e0n trong b\u00e0i <a href=\"https:\/\/impress.vn\/en\/tin-tuc\/rtgs-va-dns-mo-hinh-settlement-lien-ngan-hang\/\">RTGS v\u00e0 DNS<\/a>.<\/p>\n<h2>R\u1ee7i ro v\u00e0 c\u00e1c t\u00ecnh hu\u1ed1ng ngo\u1ea1i l\u1ec7 c\u1ea7n l\u01b0u \u00fd<\/h2>\n<ul>\n<li>B\u1ea3ng ph\u00e2n l\u1edbp n\u00e0y l\u00e0 <strong>c\u00e1ch t\u1ed5ng h\u1ee3p v\u00e0 tr\u00ecnh b\u00e0y ph\u1ee5c v\u1ee5 m\u1ee5c \u0111\u00edch ph\u00e2n bi\u1ec7t kh\u00e1i ni\u1ec7m<\/strong>, kh\u00f4ng ph\u1ea3i s\u01a1 \u0111\u1ed3 ki\u1ebfn tr\u00fac ch\u00ednh th\u1ee9c do NAPAS c\u00f4ng b\u1ed1 \u2014 h\u1eefu \u00edch \u0111\u1ec3 trao \u0111\u1ed5i n\u1ed9i b\u1ed9 nh\u01b0ng kh\u00f4ng n\u00ean tr\u00edch d\u1eabn nh\u01b0 t\u00e0i li\u1ec7u k\u1ef9 thu\u1eadt chu\u1ea9n.<\/li>\n<li>Ngu\u1ed3n c\u00f4ng khai \u0111\u00e3 thu th\u1eadp <strong>kh\u00f4ng x\u00e1c nh\u1eadn chi ti\u1ebft k\u1ef9 thu\u1eadt \u1edf c\u1ea5p message<\/strong> (ISO 8583 hay \u0111\u1ecbnh d\u1ea1ng kh\u00e1c) cho t\u1eebng l\u1edbp \u2014 kh\u00f4ng n\u00ean suy \u0111o\u00e1n khi thi\u1ebft k\u1ebf t\u00edch h\u1ee3p.<\/li>\n<li><strong>VietQRCash<\/strong> \u0111\u01b0\u1ee3c NAPAS li\u1ec7t k\u00ea l\u00e0 m\u1ed9t d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p ri\u00eang; v\u1ecb tr\u00ed chi ti\u1ebft c\u1ee7a d\u1ecbch v\u1ee5 n\u00e0y trong m\u00f4 h\u00ecnh ph\u00e2n l\u1edbp c\u1ea7n nghi\u00ean c\u1ee9u b\u1ed5 sung.<\/li>\n<\/ul>\n<h2>Ngu\u1ed3n tham kh\u1ea3o<\/h2>\n<ul>\n<li><a href=\"https:\/\/napas.com.vn\/dich-vu-chuyen-tien-nhanh-napas-247\" target=\"_blank\" rel=\"noopener\">napas.com.vn \u2014 D\u1ecbch v\u1ee5 Chuy\u1ec3n nhanh NAPAS 247<\/a><\/li>\n<li><a href=\"https:\/\/napas.com.vn\/napas-vi-mot-xa-hoi-khong-tien-mat\" target=\"_blank\" rel=\"noopener\">napas.com.vn \u2014 &#8220;NAPAS &#8211; V\u00ec m\u1ed9t x\u00e3 h\u1ed9i kh\u00f4ng ti\u1ec1n m\u1eb7t&#8221; (danh m\u1ee5c d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p, g\u1ed3m VietQRCash)<\/a><\/li>\n<\/ul>\n<h2>K\u1ebft lu\u1eadn<\/h2>\n<p>Ph\u00e2n bi\u1ec7t r\u1ea1ch r\u00f2i NAPAS (h\u1ea1 t\u1ea7ng), NAPAS 247 (d\u1ecbch v\u1ee5) v\u00e0 VietQR (chu\u1ea9n m\u00e3 h\u00f3a) kh\u00f4ng ph\u1ea3i l\u00e0 chuy\u1ec7n ch\u1eef ngh\u0129a \u2014 n\u00f3 quy\u1ebft \u0111\u1ecbnh t\u1ed1c \u0111\u1ed9 khoanh v\u00f9ng s\u1ef1 c\u1ed1 v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i li\u1ec7u thi\u1ebft k\u1ebf t\u00edch h\u1ee3p. M\u00f4 h\u00ecnh b\u1ed1n l\u1edbp \u1edf tr\u00ean l\u00e0 khung tham chi\u1ebfu \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 c\u1ea3 \u0111\u1ed9i k\u1ef9 thu\u1eadt l\u1eabn v\u1eadn h\u00e0nh n\u00f3i chung m\u1ed9t ng\u00f4n ng\u1eef.<\/p>\n<p>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>Trong c\u00e1c bu\u1ed5i h\u1ecdp x\u1eed l\u00fd s\u1ef1 c\u1ed1 thanh to\u00e1n  [&#8230;]<\/p>","protected":false},"author":2,"featured_media":95286,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[441],"tags":[],"class_list":["post-95285","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\/95285","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=95285"}],"version-history":[{"count":2,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/posts\/95285\/revisions"}],"predecessor-version":[{"id":95288,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/posts\/95285\/revisions\/95288"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/media\/95286"}],"wp:attachment":[{"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/media?parent=95285"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/categories?post=95285"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/impress.vn\/en\/wp-json\/wp\/v2\/tags?post=95285"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}