# How Ha Tang Payments works

Customers pay by VietQR bank transfer straight into your own account; Ha Tang reads the transfers, matches them to orders and can issue the e-invoice.

Ha Tang Payments lets your customers pay by bank transfer with a VietQR code, straight into **your own bank account**. Ha Tang reads the account's incoming transfers, recognises which order each one pays, tells your shop or website at once, and can issue the e-invoice (hoá đơn điện tử) when the order is paid.

Ha Tang never holds your money. There is no wallet, no payout delay and no intermediary account: the customer's bank sends the money to yours, and Ha Tang only reads the balance changes.

![The Payments overview in development: waiting payments, recent bank transactions and recent payments](https://hatang.dev/help/img/en/payments/overview.webp)

## How a payment flows

1. You link the bank account your customers pay into, once. See [Link your bank account](https://hatang.dev/help/payments/link-bank-account).
2. For each order you create a **payment**, in the dashboard or from your website. It gets a **transfer code** such as `HTBF7RDGVQ`, a VietQR code and a checkout page.
3. The customer scans the QR with any Vietnamese banking app. The amount and the transfer code are already filled in; they only confirm.
4. The bank reports the transfer to Ha Tang. Ha Tang finds the transfer code in the description and marks the payment **Paid** (or **Partially paid**, **Overpaid**).
5. Your website is notified, and if you asked for one, the e-invoice is created at your provider and sent for signing.

Transfers that carry no transfer code are recorded too, under **Payments → Transactions**, so you can match them yourself. See [Transactions and matching](https://hatang.dev/help/payments/transactions-and-matching).

## What you will find in the dashboard

| Page | What it is for |
|---|---|
| **Overview** | Money paid in the last 7 days, payments waiting, today's bank transactions and the latest payments |
| **Payments** | Create payments and follow each one: QR, status, transfers, e-invoice, history |
| **Transactions** | Every balance change the bank reported, matched or not |
| **E-invoices** | Invoices issued through your own e-invoice provider account |
| **Reconciliation** | Money in checked against invoices: what still needs one |
| **Integration health** | Calls to and from your bank and e-invoice provider, and anything stuck |
| **Payments settings** | Bank accounts, invoice providers and the keys that sign notifications |

## Two environments: development and production

Payments is the only Ha Tang module with two separate environments. The coloured bar at the top of every Payments page shows which one you are in and switches between them.

| | Development | Production |
|---|---|---|
| Bank | A simulated bank: confirmation code `000000`, transfers simulated with a button | Your real bank account |
| Money | None moves; a payment is only paid when you simulate the transfer or mark it paid | Real transfers into your account |
| E-invoices | The provider's sandbox; nothing reaches the tax office | Real invoices under your tax code |
| Bar colour | Amber | Red |

Everything is separate between the two: bank accounts, payments, transactions, invoice providers, invoices and integration keys. Try the whole flow in development first, then set it up again in production. See [Go live with real payments](https://hatang.dev/help/payments/go-live).

## Who can do what

| Module access | Can |
|---|---|
| **View** | See payments, transactions, invoices and reconciliation |
| **Work** | Also create and cancel payments, mark them paid, create and send e-invoices, mark transfers as needing no invoice |
| **Manage** | Also link and unlink bank accounts, change matching settings, import statements, connect invoice providers and manage integration keys |

Owners and admins can do everything. See [Module access](https://hatang.dev/help/account/module-access).

## Banks and providers

- **Banks**: MB Bank, BIDV and ACB link directly; accounts at Vietcombank, VietinBank, Techcombank, BIDV, ACB, MB and TPBank can also be linked through **Pay2S**. The banks available to you are listed when you add an account.
- **Any bank**: transfers the bank did not report can be recovered by importing a statement.
- **E-invoices**: Mắt Bão, through your own Mắt Bão account. See [Connect your e-invoice provider](https://hatang.dev/help/payments/einvoice-providers).

## Selling in chat

Orders taken in a conversation can be paid through Ha Tang Payments: the order page has **Send payment link**, and the order shows when it is paid. See [Payment in chat](https://hatang.dev/help/products/payment-in-chat).

Developers will find the API, SDK and notification details in the [Payments section of the developer hub](https://hatang.dev/docs/guides/payments/overview).