NeoX

NeoX Payment Services Overview For Merchants

NeoX is a Vietnam-focused payments platform that combines a payment gateway with additional rails for collections, payouts, and control features such as virtual cards.

NeoX Payment Gateway And Payment Methods

The payment gateway is designed for online payment acceptance and supports multiple payment methods under a unified integration.

Local acquiring in Vietnam includes:

• Card payments

• VietQR payments

• Bank transfers

• E-wallet payments

Overseas acquiring coverage is described for:

• Indonesia

• Philippines

• Thailand

• United States

• EU markets (described at a regional level)

For card acceptance, NeoX lists support for major international card schemes including Visa, Mastercard, JCB, AMEX, and UnionPay. For bank transfers, the provider states connectivity to 42+ banks for direct, real-time transfers in Vietnam.

Acceptance Channels And Checkout Options

NeoX provides multiple integration patterns intended to fit different merchant stacks and checkout UX requirements.

Hosted Checkout Options

NeoX documents a hosted checkout flow via Web SDK with:

• Popup or redirect presentation modes

• Language options supporting Vietnamese and English

• A mechanism for selecting payment channels (examples include wallet, ATM, card, and QR)

NeoX also documents parameters that can return:

• A redirect link suitable for embedding as an HTML iFrame source (where enabled)

• QR data that can be used to generate a QR code for QR payment scenarios

• A payment token for eligible card payments when tokenization is requested

SDK Coverage For In-App Payments

NeoX provides hosted-checkout SDK documentation for:

• Android

• iOS

• React Native

• Web

This supports in-app (mCommerce) use cases where the merchant app launches a NeoX payment experience and receives callbacks or results as part of the payment flow.

Plugins And Extensions

NeoX documents plugin-based integrations for:

• WooCommerce

• Shopbase

These integrations are positioned to enable domestic ATM card payments, international cards, QR payments via mobile banking, and NeoX Wallet payments through the plugin configuration.

Collections With Virtual Accounts And Multi-Currency Options

NeoX Collection focuses on receiving funds through virtual accounts and local collection rails. The provider lists support for collections in nine major currencies:

• USD, SGD, HKD, JPY, CNH, EUR, GBP, AUD, NZD

NeoX also describes single-currency local collections via local rails, and lists local collection coverage in:

• Vietnam, Thailand, Philippines, Indonesia, Hong Kong, China, United States, EU markets, and the United Kingdom

Operationally, NeoX Collection highlights:

• Real-time tracking and reporting via a merchant portal

• Automated reconciliation, including matching transactions against invoices

• A workflow where reconciliations and settlements are reflected in reporting views

Payouts And Operational Controls

NeoX also positions itself as more than a gateway by offering two adjacent products relevant to payment operations.

NeoX Payout

NeoX Payout is described as a way to send funds to partners, customers, and employees, including:

• Bulk payouts

• Multi-currency support

• Automated processes

NeoX Control

NeoX Control is described as providing virtual card capabilities and tokenization-based controls intended to improve security and operational management. This product can matter for merchants that need controlled spending instruments for suppliers, media buying, travel, or distributed operations.

Risk, Compliance, And Security Posture

NeoX lists PCI DSS certification and describes AML and KYC procedures as part of its compliance posture. It also positions itself as a licensed and regulated financial services provider under Vietnamese financial authorities, including reference to the State Bank of Vietnam for payment intermediary licensing in its documentation.

From a risk-operations standpoint, NeoX describes:

• Built-in fraud protection

• Chargeback management

• Continuous monitoring and risk management

At the integration level, NeoX documents:

• Instant Payment Notification (IPN) so merchants can receive payment results server-to-server

• Webhook patterns in parts of the platform where event notification is required

• Secure hash generation using SHA256 combined with a secret key for request and notification integrity

Developer Experience And Integration Model

NeoX describes flexible access through API and SDK integrations, and documents both hosted-checkout and direct API models.

Common elements across NeoX integration documentation include:

• Merchant credentials obtained through the NeoX merchant portal

• A secret key used for secure hash generation

• Sandbox and production environment handling in SDK examples

• Parameterized payment requests that capture order identifiers, amounts, return URLs, and optional channel configuration

Merchants running multi-channel payment acceptance can use these building blocks to implement:

• Web checkout

• In-app checkout

• Platform plugins for supported ecommerce systems

• Backend-driven payment link creation and reconciliation workflows

Pricing And Commercial Considerations

NeoX publishes a service-fee table in its terms that defines transaction fees by payment method. The fee schedule is presented as a mix of percentage fees and fixed VND amounts, including:

• NeoX wallet: 0.8%

• QR code: 0.8%

• Local ATM card: 1% plus 1,000 VND

• International cards (Visa, Mastercard, JCB): 2.5% to 3.5% plus 2,000 VND

• Refund fee: 3,000 VND

NeoX documentation also describes “Free Integration service” and “Free System Maintenance” as part of its commercial positioning. Merchants should treat these as commercial terms that may be distinct from per-transaction fees, and confirm scope based on their integration approach and product bundle.

NeoX currency support varies by product surface. NeoX Collection highlights nine major collection currencies, while payment gateway SDK examples show VND as a default currency and include USD as a supported option in at least some SDK contexts.

Merchant Fit And Typical Use Cases

NeoX presents solutions for several merchant profiles:

• B2B trade and global commerce, including cross-border transactions and automated invoicing

• Ecommerce, emphasizing mobile-optimized checkout, multiple payment methods, and fraud and chargeback tooling

• Direct-to-customer manufacturers, including recurring billing support and purchase analytics

• Healthcare and pharma, emphasizing compliance-driven payments, bulk payouts, and monitoring and reporting

Merchants that need both local Vietnam payment depth (QR, bank transfer connectivity, local methods) and international card acceptance may evaluate NeoX as a consolidated provider, particularly when reconciliation and settlement reporting are primary operational requirements.

Conclusion

NeoX combines a payment gateway with complementary products for collections, payouts, and control features such as virtual cards. For merchants, the core value proposition is the ability to accept multiple Vietnam-local payment methods plus international card schemes through a single integration framework supported by hosted checkout, SDKs, and plugins. The platform also emphasizes operational tooling such as a merchant portal, reconciliation reporting, and configurable settlement periods.