9Pay payment solution: Best way to transfer money from Vietnam to India

The financial bridge between Vietnam and India has reached a historic milestone. In 2025, bilateral trade hit a record $16.46 billion, and early 2026 sees a massive surge in exchange across two key pillars: Digital Finance and High-end Tourism.

For businesses looking to transfer money from Vietnam to India, the traditional banking hurdles of high fees and slow settlement are being replaced by agile Fintech solutions.

1. The shifting landscape of Vietnam - India payments

As of Q1 2026, India has become Vietnam’s 8th largest trading partner. This growth is driven by:

Tech & Electronics: High-volume trade in components and IT services.

Pharmaceuticals: India remains a primary supplier for Vietnam’s healthcare sector.

The Tourism Boom: A new wave of affluent Indian travelers choosing Da Nang and Phu Quoc, requiring sophisticated payment touchpoints.

2. Challenges in traditional remittance to India

Despite the demand, transferring funds to India often encounters "friction":

Strict Capital Controls: India’s FEMA (Foreign Exchange Management Act) requires precise reporting for inbound funds.

Currency Volatility: The INR/VND pair can fluctuate, making "real-time" rates essential for B2B margins.

Infrastructure Mismatch: Bridging Vietnam’s NAPAS system with India’s UPI (Unified Payments Interface) requires a sophisticated middle-layer.

3. 9Pay: The best payment solution for India - Vietnam integration

9Pay has positioned itself at the forefront of this corridor, specifically within the International Financial Center (IFC) Sandbox in Da Nang.

3.1. Bridging UPI and VietQR

In a revolutionary move for the tourism sector, 9Pay has pioneered a B2B2C model that allows Indian tourists to pay at Vietnamese merchants using their native UPI-enabled apps (like PhonePe or Google Pay).

For Businesses: Vietnamese travel agencies and hotels can now collect payments from Indian clients instantly, without the client needing to exchange cash or use high-fee credit cards.

For Financial Partners: 9Pay acts as the licensed intermediary (License No. 60/GP-NHNN), handling the complex FX conversion and ensuring legal compliance.

3.2. Specialized B2B remittance (9Remit)

For corporate entities needing to transfer money from Vietnam to India for supplier payments or software outsourcing:

Superior Speed: Transactions that used to take days via SWIFT are now processed in T+0 or T+1.

Tax Transparency: 9Pay (9Remit) provides full documentation and tax compliance support, essential for Indian businesses reporting to the RBI (Reserve Bank of India).

Digital-First Infrastructure: Manage large-scale payouts and collections via a single API or an intuitive business dashboard.

Read more: Send money from Vietnam to HongKong

4. Why 9Pay is leading the digital finance revolution

Beyond standard transfers, 9Pay is integrating future-proof technologies into the India-Vietnam corridor:

Sandbox Innovation: Utilizing the Danang IFC framework to pilot Stablecoin-to-QR payments, reducing reliance on multiple intermediary currencies.

Unmatched Security: Certified with PCI DSS Level 1 and ISO/IEC 27001, ensuring every B2B transaction is guarded by the world's highest encryption standards.

Top-Tier Scalability: Processing over $10 billion annually, 9Pay’s infrastructure is built for high-frequency, high-volume enterprise needs.

5. How to Transfer Money to India via 9Pay

Step1. Registration Process

Complete the registration process to use 9Pay's solution for your business through the following channels.

Step2. Compliance Check

Provide the necessary trade invoices or service agreements.

Step3. Rate Execution

Secure the best live USD/VND exchange rate on the platform.

Step4. Instant transactions

9Pay transfers funds through its optimized partner network directly into the recipient's Indian bank account.

6. FAQs: Transferring money to India

Can I send money to India for IT service payments?

Yes. This is one of the most common B2B use cases. 9Pay supports payments to Indian tech firms with full legal compliance and fast settlement.

What is the maximum amount I can transfer?

There is no limit on the daily trading volume. Limits are based on the documented purpose of the transaction (e.g., the value of the commercial invoice). 9Pay’s specialists can provide custom limits for large-scale enterprise needs.

How does 9Pay ensure the safety of large B2B transfers?

9Pay uses bank-grade security protocols and operates under the strict supervision of the State Bank of Vietnam, offering a level of security equivalent to traditional financial institutions but with Fintech speed.

In 2026, to transfer money from Vietnam to India is no longer a logistical hurdle - it is a strategic advantage. By leveraging 9Pay’s integrated ecosystem, businesses in tourism and digital finance can eliminate payment friction, capture more market share, and optimize their global cash flow.

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