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  来源:金融时报

  在中国人民银行与越南国家银行指导下,4月14日银联国际与越南国家支付公司(NAPAS)、中国工商银行、越南外贸银行在河内联合宣布签署合作协议,约定共同推进中越两国跨境二维码支付互联互通。适逢中越建交75周年暨“中越人文交流年”,此次合作是银联服务中越命运共同体建设的新篇章,是跨境支付互联互通的新成果,是深化中越两国经贸交流和人员往来的新举措。

  中越二维码跨境互联互通合作依托两国战略合作新格局,在两国央行达成双向互联互通合作共识的基础上,由两国央行牵头制定顶层合作框架并负责指导实施,银联与越方机构具体落实。2024年8月,中越两国央行签署合作谅解备忘录,明确加强本币结算和跨境支付合作。同年10月,银联与NAPAS签署二维码互联互通合作备忘录。此后,各参与方在较短时间内达成合作协议。

  根据协议约定,银联国际与NAPAS将通过系统“一点对接”实现二维码支付网络双向互联互通。双方将推动云闪付APP及接入“云闪付网络支付平台”的银联合作钱包,在越南国家二维码VietQR受理商户使用,同时推动越南本地VietQR钱包在中国境内银联二维码商户便捷支付。中国工商银行、越南外贸银行将作为首批结算银行,为跨境支付提供本币结算服务。

  银联自2005年进入越南市场以来,持续完善本地支付生态建设。越南几乎全部商户POS终端受理银联卡,累计发卡量突破百万张。近年来,顺应当地无现金社会发展趋势,银联进一步加快移动支付业务拓展,非接受理覆盖率超60%,Lazada越南站点、越南航空等主要线上平台支持银联在线支付,为两国跨境游客提供便捷、安全的支付服务。

  随着中越二维码支付网络的全面对接,两国消费者将共享更便捷的跨境支付服务。银联将联合产业各方持续推动支付产业互联互通,加快构建可持续发展业务模式,为共建“一带一路”高质量发展贡献新力量。

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