SeABank launches SeAPayment – A payment management platform enabling real-time cash flow control for merchants

From loss anxiety to digital management transformation

In the era of cashless payments, the rapid growth of bank transfers and QR code transactions brings convenience, but also creates significant management pressure. Many individuals and household business owners are still struggling with manual reconciliation and difficulties in controlling revenue across multiple sales points, leading to risks of leakage and data discrepancies. In addition, under Decree 68/2026/ND-CP and Circular 18/2026/TT-BTC, the requirement to notify business accounts is not merely an administrative procedure, but also marks a shift from lump-sum taxation to a system of self-declaration and self-payment based on actual revenue. Every transaction must therefore be recorded transparently and be available for reconciliation when needed.

Understanding these challenges, SeABank has developed SeAPayment as a “digital control center” where all multi-point transactions are consolidated on a single platform. Business owners can gain an instant, accurate overview of their financial performance down to every single transaction, without spending hours on manual bookkeeping.

Technology untangling business complexities

SeAPayment is well-suited for business models with high transaction volumes, owners operating multi-store chains, or busy entrepreneurs seeking greater professionalism in management. By fully digitizing the entire process, SeAPayment delivers three core values.

First, the platform enables business owners to generate QR codes for each store, or quickly create dynamic QR codes for individual orders with pre-set amounts and payment details. Customers simply scan and confirm, enhancing the payment experience while minimizing errors.

Once a transaction is successfully completed, an “audio assistant” with regionally localized voices (North – Central – South) immediately announces the incoming payment at the point of sale, enabling business owners and staff to confirm revenue without checking their phones or waiting for transfer confirmations.

Second, SeAPayment helps customers optimize cash flow management across multiple sales points and platforms. Instead of aggregating fragmented data from various sources, business owners can now take full control of their financial picture at their fingertips through a multi-platform interface. More importantly, chain management challenges are thoroughly addressed through multi-store management and role-based staff access features within a single application. From any location, business owners can monitor transaction activity and real-time revenue reports across both mobile devices and computers.

Finally, this solution helps standardize operations and enhance the customer experience. Streamlining the payment process, consolidating destination accounts, and enabling instant transaction confirmation not only ensure smoother operations during peak hours but also reinforce a more professional image in the eyes of customers. This serves as a key lever for household businesses to switch from traditional models to sustainable digital operations, reducing labor costs while maximizing the efficiency of working capital.

Attractive incentives accelerating business digitalization

Beyond offering customers an optimized technology solution, SeABank is also launching attractive incentives: 100% refund on the account balance notification speaker fee for customers maintaining a minimum balance of VND 15 million and complete at least 100 transactions within 3 months from the service fee charging date. In addition, customers enjoy a lifetime waiver of SeAPayment service fees, significantly reducing long-term operating costs. This effort SeABank’s commitment to helping household businesses minimize operational expenses.

A SeABank representative shared: “SeAPayment is not only a payment tool but also a solution that enables business owners to manage cash flow more transparently, quickly, and efficiently. In the coming time, SeABank will continue to expand partnerships to further enhance an integrated ecosystem of sales, finance, and taxation, thereby delivering a more comprehensive management experience for customers.”

Currently, individual businesses and household businesses can register for SeAPayment at SeABank transaction points nationwide or contact the retail banking customer service hotline at 1900 555 587 for direct consultation.