Are there hidden fees when using ZaloPay to gamble online?

No, ZaloPay is one of the few e-wallets that operates on a fully transparent fee structure. Domestic deposits and wallet-to-wallet transfers are completely free. Fees only appear in specific cases, such as: Using international debit/credit cards (2,000 VND + 2%) Making more than 5 withdrawals per month (0.5%) Exceeding 5,000,000 VND in free monthly transfers (0.65%) All costs are displayed before you confirm a payment, so there are zero hidden deductions afterward.

Can I block ZaloPay transactions to gambling sites from my account?

Yes. ZaloPay allows users to restrict merchant categories through account settings. If you want to block gambling-related payments, simply: Open ZaloPay Settings → Transaction Controls. Toggle “Block Entertainment/Gaming Payments.” Confirm with OTP or biometric ID. This makes ZaloPay flexible for users who want financial self-control or are following responsible gambling limits.

What should I do if my ZaloPay account is rejected at a casino?

If your payment is declined: ✅ Double-check your linked bank account or card balance. 🔄 Refresh or restart the casino’s cashier page before retrying. 🧩 Ensure your casino supports ZaloPay for Vietnamese users – not all do. 📞 Contact ZaloPay Support (24/7 hotline) and provide the transaction ID for immediate verification. In most cases, rejections happen due to casino-side integration errors, not user faults. Refunds for failed transactions are automatically credited back to your wallet within 24 hours.

ZaloPay

ZaloPay is one of Vietnam’s most innovative digital payment systems, seamlessly integrated into the Zalo messaging app – the country’s most popular social platform. It allows instant transfers, bill payments, shopping, and online gaming deposits with just a few taps. For casino players, ZaloPay brings the same convenience used in everyday transactions with no third-party apps and no complex verifications, and no delays.

ZaloPay

Number of Games

Type

Credit/Debit Card, E-wallet, Money Transfer

Fees

0-2%

Processing time

1-3 Days, Instant

Casinologia/ZaloPay

Gabriela Vangelova

Content Director

14.10.2025

Updated

Key Facts

Company

ZION JOINT STOCK COMPANY

Headquaters

Ho Chi Minh City, Vietnam

Established

2016

Number of users

16,000,000+

ZaloPay Markets:

Vietnam

Online Casinos Accepting ZaloPay

Find trusted online casinos in Vietnam that accept ZaloPay for deposits right below along with reviews and a convenient filter to search by preference.

Filter

Casinos: 0

Bonus Amount

500

Free Spins

500

Welcome Bonus Percentage

100

Total Bonus Percentage

200

Bonus Types

Software Provider

License

Languages

Accepted currency

Live Game

0 / 0 0%

What Is ZaloPay and How It Dominates Online Casino Payments?

ZaloPay is a licensed Vietnamese e-wallet developed by Zion Joint Stock Company, operating under the supervision of the State Bank of Vietnam. Since its launch, ZaloPay has evolved into one of the country’s top digital wallets, thanks to its seamless integration with the Zalo app, used by over 70 million Vietnamese users. It offers instant peer-to-peer transfers, QR-based merchant payments, bill settlements, and now, smooth deposits at local and offshore online casinos. ZaloPay dominates casino payments in Vietnam for three main reasons:

⚡ Speed: Casino deposits using ZaloPay are processed instantly, while withdrawals typically complete within minutes.

🧠 Accessibility: No need for extra accounts or apps, everything is done inside Zalo.

🔒 Security: ZaloPay is PCI DSS Level 1 and ISO 27001 certified – the same global standards used by top banks.

ZaloPay’s flexibility makes it perfect for iGaming. It connects with 39 local banks, supports both domestic and international cards, and applies transparent, minimal fees.

History of ZaloPay

ZaloPay launched in 2017 as part of Vietnam’s digital finance boom, built on the Zalo ecosystem by VNG Corporation. It started as a peer-to-peer money transfer tool but quickly expanded into a full-fledged digital wallet. By 2020, it had partnered with major retailers, government utilities, and online entertainment platforms.

In 2024, ZaloPay introduced its updated version featuring better integration with online shopping, transport, and gaming services. This growth positioned it as one of Vietnam’s “super apps,” offering a unified platform for messaging, payments, and commerce – an ecosystem that now supports online gambling payments via trusted casino platforms.

Is Gambling with ZaloPay Legal?

The legality of using ZaloPay for gambling depends on where and how the service is used. In Vietnam, direct online gambling is restricted; however, Vietnamese players legally use e-wallets like ZaloPay to fund offshore casinos operating under international gaming licenses (such as Curacao, Malta, or PAGCOR). ZaloPay itself is fully legal – it’s regulated by the State Bank of Vietnam as a licensed payment intermediary. The platform does not directly promote gambling, but it allows users to transact freely with authorized online merchants, including foreign casinos that accept Vietnamese players.

For players, the key point is compliance:

✅ Depositing into an offshore licensed casino using ZaloPay is not illegal.

❌ Running or promoting gambling operations in Vietnam is illegal.

So, while the app maintains strict neutrality, ZaloPay provides a legitimate, compliant channel for digital payments that casino players can safely use.

Availability by Region

Region / Country	Availability	Notes
🇻🇳 Vietnam	✅ Fully Supported	Integrated into Zalo ecosystem
🇹🇭 Thailand	⚙️ Limited	Available through regional partners
🇸🇬 Singapore	⚙️ Limited	Accepted by some international wallets
🇲🇾 Malaysia	⚙️ Limited	May connect via partner gateways
🌍 Global (Offshore)	✅ Accepted by select casinos	Works through e-wallet or QR payment support

Fees, Delays, and Hidden Costs

ZaloPay stands out in Vietnam’s fintech space for one core reason: transparent pricing. Unlike traditional banking apps that bury small-print costs in service terms, ZaloPay displays all applicable fees clearly before every transaction. For casino players, this means total control over how much of your money actually goes into play. The e-wallet uses a tiered fee system, rewarding regular users with free transactions and only applying light charges beyond certain thresholds. In practice, most Vietnamese casino players rarely hit those limits unless they make frequent high-value deposits or withdrawals.

Fees for Casino Users

Transaction Type	Fee Structure	Notes
💳 Deposits via Domestic Bank or Linked Account	Free of charge	No fees when using local banks or the ZaloPay balance
🌐 Deposits via International Debit Card	2,000 VND + 2% of transaction value	Standard cross-border fee applied by ZION JSC
💵 Withdrawals to Linked Bank Account	First 5 per month free, then 0.5% of amount	Encourages smaller, more frequent withdrawals
🔁 Money Transfers (Wallet-to-Wallet)	Free up to 5,000,000 VND/month; then 3,100 VND + 0.65%	The free quota resets monthly
💳 Credit Card Payments	1,000–2,000 VND + 1–2%, depending on frequency	Scales after 3 monthly transactions
💼 Card Debt Payments	5,000 VND + 0.3% of transaction	Specific to linked card settlement
📉 Failed Transaction Refunds	Free	Full reversal including fee within 24h

Every listed fee is VAT-inclusive, meaning users never face surprise deductions. Even when exceeding limits, the platform instantly notifies users with a detailed fee summary before confirming the transaction.

Processing Speeds & Performance

ZaloPay’s system is optimized for instant digital processing. Unlike traditional bank transfers, which can take hours, ZaloPay routes casino payments through its in-app network and local banking links:

⚡ Deposits: Instant, usually under 5 seconds.

💸 Withdrawals: Between 5 to 10 minutes, depending on the casino’s internal clearance system.

🔄 Refunds: Processed automatically if a transaction fails, typically visible in the wallet within 24 hours.

For comparison, bank wire transfers in Vietnam can take 1–2 business days, and even MoMo withdrawals may lag behind by several hours.

🧾 Hidden Costs? Practically None.

ZaloPay’s transparency is one of its biggest selling points. Every transaction comes with an itemized breakdown showing:

✅ Fee (if applicable)

✅ Payment source (wallet, bank, or card)

✅ Destination (merchant or casino)

✅ Applicable promotions or fee waivers

Players can view this data instantly in their transaction history and download monthly summaries for budgeting or tax purposes.

🚫 No “ghost fees”:

No inactivity penalties.
No balance maintenance costs.
No foreign exchange markup when paying in VND.

How to Use ZaloPay to Gamble Online

Step 1

Create or Log into Your Zalo Account

ZaloPay is built inside Zalo, Vietnam’s largest messaging app. Download or open Zalo, go to the ZaloPay section, and verify your phone number.

Step 2

Link Your Bank Account or Card

Link your domestic bank (recommended for zero fees) or add an international debit/credit card. You can also top up your ZaloPay wallet using linked banks.

Step 3

Choose a Casino That Accepts ZaloPay

Pick a trusted online casino supporting ZaloPay deposits (you’ll find them below). Once registered, navigate to the “Deposit” section and select ZaloPay.

Step 4

Complete the Payment

Scan the casino’s QR code or approve the payment directly through ZaloPay’s interface. Confirm via password, OTP, or biometric ID (FaceID or fingerprint).

Step 5

Withdraw Winnings

Return to the cashier section, select “Withdraw via ZaloPay,” enter your wallet details, and confirm. Most withdrawals reflect in under 10 minutes.

💡 Pro tip: Keep your wallet active to avoid exceeding monthly free limits.

New Online Casinos That Accept ZaloPay

As Vietnam’s iGaming scene grows, more casinos are adding ZaloPay as a deposit method. Players can now enjoy faster onboarding, local currency support (VND), and instant top-ups directly from their phones. ZaloPay-friendly casinos typically include Curacao-licensed operators targeting Vietnamese players. Expect instant deposits, VND balance options, and full mobile compatibility.

ZaloPay Gambling Compared to Other Banking Methods

When it comes to iGaming payments, Vietnamese players now have several solid e-wallet options, but ZaloPay has carved out a unique niche. Its core advantage is not just speed or simplicity; it’s local relevance, built-in user trust, and direct Zalo integration. That combination makes it the most natural fit for players who prefer to manage casino balances and daily finances in one secure app. ZaloPay’s tight link with the Zalo ecosystem gives it something competitors like MoMo or PayPal can’t replicate – instant access through Vietnam’s most popular social platform. This creates a one-step transaction experience: you can chat, transfer funds, confirm payments, and receive gaming deposits without leaving the app.

Meanwhile, other methods have their pros and cons:

MoMo offers broad local coverage but functions as a standalone app, requiring more manual linking and extra verification steps.
PayPal, while globally dominant, struggles in Vietnam due to currency mismatches, higher fees, and lack of VND-based casinos.
ViettelPay remains a dependable domestic option but is less optimized for entertainment payments or cross-border transfers.

So, while ZaloPay doesn’t yet compete internationally, it’s arguably the smartest choice for Vietnamese players seeking fast, fee-free local transactions.

Feature	ZaloPay	MoMo	PayPal	ViettelPay
Integration	Embedded in Zalo	Standalone app	Global app	Standalone app
Local Bank Links	✅ 39 banks	✅ 40+ banks	❌ Limited in Vietnam	✅ 35 banks
Fees	💸 Low	💸 Low	💰 Medium–High	💸 Low
Processing Speed	⚡ Instant	⚡ Instant	⏳ 1–3 hrs	⚡ Instant
Currency Support	🇻🇳 VND	🇻🇳 VND	💵 USD	🇻🇳 VND
International Use	⚙️ Limited	⚙️ Limited	🌍 Global Reach	⚙️ Limited
Casino Compatibility	✅ Expanding Rapidly	✅ Moderate	✅ High	⚙️ Moderate
Regulatory Oversight	🏛️ Licensed by SBV	🏛️ Licensed by SBV	🌐 Global financial licenses	🏛️ Licensed by SBV
Best For	🇻🇳 Local iGaming & Fast Transfers	🧾 Everyday payments	🌍 International casino sites	💵 Bill payments

💬 Analysis: Why ZaloPay Wins Locally

Local Integration = User Trust: ZaloPay doesn’t need to build an audience from scratch, it’s already embedded in the daily lives of millions through Zalo. That integration means users don’t have to download another app or share sensitive details repeatedly. Everything is verified once through Zalo’s secure infrastructure.
Licensed & Regulated: Unlike PayPal, which operates globally but without local licensing, ZaloPay is directly regulated by the State Bank of Vietnam (SBV). This gives it an unmatched layer of legal protection and ensures that user data and funds remain under Vietnam’s jurisdiction.
Fee Transparency: PayPal users are used to unpredictable foreign exchange fees and long withdrawal delays. ZaloPay, on the other hand, maintains a clear fee schedule: all VAT included, no extra cross-border charges unless the payment involves an international card.
Instantaneous Processing: Speed is king in online gambling. Whether it’s funding your slots session or cashing out after a win, ZaloPay outpaces most rivals. Deposits are near-instant, and even withdrawals typically land within minutes, not hours.
Privacy and Localization: Transactions made via ZaloPay appear as payments to “ZION JSC” or “merchant partners,” not as gambling-related entries. This helps maintain discretion, a key advantage in Vietnam’s restricted gambling landscape.

Security, Chargebacks, and Disputes: How Safe Is ZaloPay for Gambling?

Security is one of ZaloPay’s biggest selling points not just as a fintech app, but as a State Bank–licensed payment intermediary that meets international financial security benchmarks. In the online gambling world, where trust is often fragile, ZaloPay’s rigorous standards give Vietnamese users something rare: bank-grade protection without banking complexity.

The platform’s system is built on three security layers: encryption, identity verification, and continuous transaction monitoring. Every payment, whether a 10,000 VND top-up or a million-VND casino withdrawal, passes through multi-stage validation before approval.

🧱 Core Security Infrastructure

🔒 Tokenization Encryption: ZaloPay replaces real card numbers with encrypted tokens. Even if data were intercepted, it would be useless to hackers. This feature mirrors what’s used by Visa and Mastercard globally.
👁️ Biometric Verification: Players can secure payments with fingerprint or FaceID recognition, reducing the risk of unauthorized access. Biometric logins also speed up repetitive casino deposits so there is no need to re-enter PINs.
🧠 Smart Fraud Detection: ZaloPay runs a real-time AI monitoring system that flags suspicious transfers; for instance, sudden high-value casino deposits, unusual withdrawal patterns, or mismatched device logins.
🔐 PCI DSS Level 1 & ISO 27001 Certification: These are not buzzwords, they are the highest standards of data security typically reserved for banks and card issuers. ZaloPay achieved both through audits by independent organizations in Vietnam.

⚖️ Chargebacks and Dispute Handling

Unlike traditional bank chargebacks that can take weeks, ZaloPay handles payment disputes within 3–5 business days on average. The process is centralized and handled by Zion JSC, ZaloPay’s operator, ensuring speed and accountability. Here’s how it works:

📩 Report the Issue: Players submit a dispute request directly through the ZaloPay app under “Transaction Support.”
🔍 Verification: The system checks transaction IDs, timestamps, and merchant codes.
🧾 Merchant Review: If the merchant (casino) is registered through a payment gateway, ZaloPay contacts them for confirmation.
💸 Resolution: If verified as a failed or duplicate transaction, the refund is processed instantly back to the wallet or linked bank.

⏱️ Timeline:

Minor disputes → usually resolved within 72 hours
Escalated cases → up to 5 business days
Refund confirmation → visible instantly in the user’s transaction log

🧩 Privacy and Data Handling

All casino-related payments are discreetly recorded as “merchant transactions”, not explicitly labeled as gambling. This isn’t deception, it’s compliance. Vietnam restricts online gambling advertising, so ZaloPay’s labeling system maintains user confidentiality while following financial reporting rules.

Payment Transparency – Are ZaloPay Casinos Clear on Terms?

Transparency separates reliable casino payment systems from questionable ones, and ZaloPay is firmly in the reliable category. The app’s design ensures that every transaction is traceable, timestamped, and accompanied by a full fee disclosure – a level of visibility that’s essential when dealing with real-money gaming.

🧾 Built-In Transparency Features

ZaloPay’s system automatically logs the following details for each casino transaction:

🕐 Timestamp and Transaction ID – Every operation comes with a unique code for tracking and refund claims.

💳 Payment Source – Whether the transfer was made via wallet balance, domestic bank, or international card.

💸 Fee Breakdown – Exact VND amount charged (if any) and whether it was part of your free transaction quota.

📄 Merchant Identification – The receiving entity’s verified business name, not a generic label.

🔁 Refund Record – If a casino payment fails, ZaloPay auto-generates a reference number for audit tracking.

⚖️ Casino Transparency Obligations

Casinos that integrate ZaloPay must comply with ZION’s Merchant Transparency Policy, meaning they are required to:

📢 Display all fees upfront before deposit confirmation.

💰 Clearly indicate withdrawal limits and processing times.

📜 Adhere to refund and dispute timelines consistent with ZaloPay’s own SLA (Service-Level Agreement).

Failure to follow these standards can result in temporary suspension from ZaloPay’s merchant network – a safeguard that protects Vietnamese users from deceptive or predatory operators.

⚙️ What Players Should Still Watch For

Even with ZaloPay’s built-in protections, not every casino handles communication clearly. Casinologia recommends verifying:

✅ Whether the casino officially lists ZaloPay in its payment policy.
✅ That the casino processes withdrawals back to ZaloPay, not just deposits.
✅ That the displayed fee structure matches what appears in your ZaloPay app.
✅ That the casino holds a legitimate Curacao or PAGCOR license to legally accept Vietnamese players.

🧭 Pro tip: ZaloPay transactions can’t be reversed once completed unless the merchant cooperates, so confirm every detail before hitting “Pay.”

📊 Example of a Transparent Transaction Log

Field	Example Entry	Description
Transaction ID	2025-10-14-003241	Unique reference code
Merchant	“PlayZone Casino Ltd.”	Verified merchant name
Amount	1,500,000 VND	Deposit amount
Fee	0 VND	Free transaction
Status	✅ Completed	Payment confirmed
Date/Time	14 Oct 2025 – 12:43 PM	Timestamp
Refund Option	Available (Valid 24 h)	Refund window

Philosophical Note – Should Rational Gamblers Use ZaloPay?

Rational gamblers value control, transparency, and financial speed – three things ZaloPay delivers exceptionally well. It’s not a speculative payment tool; it’s a practical system designed for accountability. For Vietnamese players, ZaloPay bridges the gap between local banking and global iGaming. It ensures access without exposing users to unverified payment gateways.

Still, a rational gambler should:

Monitor their free transaction limits 🧾
Avoid linking high-limit credit cards 💳
Use ZaloPay only with licensed offshore casinos ✅

In short, yes – ZaloPay aligns with rational gambling behavior. It keeps payments fast, private, and fully traceable while letting players stay within Vietnam’s legal comfort zone.

Online Casinos Accepting ZaloPay – FAQs

These are the answers to the most asked questions about ZaloPay as a banking method in online casinos.

Yes, in nearly all cases, ZaloPay deposits are processed instantly, thanks to its direct integration with local banks and instant QR payment network. The only time delays occur is if the casino’s own system manually reviews payments, which is rare and usually takes no more than a few minutes. On average, deposits appear in your casino balance within 5 seconds.

💡 Tip: Always complete payments directly inside Zalo or the ZaloPay pop-up. Leaving the screen before confirmation can delay processing.

Yes, many offshore casinos that support ZaloPay deposits also allow withdrawals back to the same wallet. Withdrawals are processed within 5–10 minutes, depending on the casino’s internal verification policies. However, note that not every operator supports two-way transfers yet. Some may require you to withdraw to a linked Vietnamese bank account instead.

🧭 Check before playing: The casino’s “Banking” or “Payments” page should explicitly list ZaloPay withdrawals as available in Vietnam.

No, ZaloPay is one of the few e-wallets that operates on a fully transparent fee structure. Domestic deposits and wallet-to-wallet transfers are completely free. Fees only appear in specific cases, such as:

Using international debit/credit cards (2,000 VND + 2%)
Making more than 5 withdrawals per month (0.5%)
Exceeding 5,000,000 VND in free monthly transfers (0.65%)

All costs are displayed before you confirm a payment, so there are zero hidden deductions afterward.

In most cases, yes. ZaloPay deposits are treated as standard payment methods and qualify for welcome bonuses, reloads, and free spins. Some casinos may exclude e-wallets from promotions, but that rule usually applies to international wallets like PayPal or Skrill, not local systems like ZaloPay.

💡 Always read the fine print: Check the “Bonus Terms” page to ensure ZaloPay deposits are eligible for wagering requirements.

ZaloPay shares minimal personal data with the casino – only the transaction reference ID and payment confirmation. Your name, phone number, and bank details stay encrypted and are never visible to the merchant. This approach protects your financial privacy while keeping transactions fully auditable for compliance.

🧱 Data fact: ZaloPay uses tokenization: replacing personal identifiers with one-time codes for each payment.

Not yet. ZaloPay is primarily designed for Vietnam and select Southeast Asian regions. Its direct acceptance is strongest in casinos targeting the Vietnamese market or operating under Curacao, PAGCOR, or Isle of Man licenses. In Western-regulated markets (UK, EU, US), ZaloPay isn’t yet listed as a native payment method.

Summary:

🇻🇳 Vietnam → Fully supported

🇸🇬 Singapore / 🇲🇾 Malaysia → Partial support

🌍 Global (EU/US) → Not yet integrated

ZaloPay ranks among the most secure e-wallets in Southeast Asia. It’s certified under PCI DSS Level 1 and ISO 27001, meaning it meets international banking standards for data protection. Compared to PayPal or MoMo, ZaloPay adds an extra security layer through biometric verification and real-time fraud detection powered by ZION’s internal system.

🔒 In plain terms: ZaloPay’s encryption and verification systems are on par with (or stronger than) those of global digital wallets.

The majority of problems come from technical or procedural missteps, not from the wallet itself:

⏳ Pending transactions caused by incomplete payment confirmations.

💳 Casino not supporting ZaloPay withdrawals yet (deposit-only setup).

🚫 Exceeded free limit – small fees kick in after monthly quotas.

🧩 App version mismatch – using outdated ZaloPay versions may trigger verification errors.

Yes. ZaloPay allows users to restrict merchant categories through account settings. If you want to block gambling-related payments, simply:

Open ZaloPay Settings → Transaction Controls.
Toggle “Block Entertainment/Gaming Payments.”
Confirm with OTP or biometric ID.

This makes ZaloPay flexible for users who want financial self-control or are following responsible gambling limits.

No. ZaloPay acts as a buffer between your bank and the merchant. Any casino-related transaction appears as a standard payment to “ZION JSC” or “Partner Merchant.” Your bank will only see a transfer to ZaloPay, not the casino’s name, keeping your gambling activity private and compliant.

If your payment is declined:

✅ Double-check your linked bank account or card balance.
🔄 Refresh or restart the casino’s cashier page before retrying.
🧩 Ensure your casino supports ZaloPay for Vietnamese users – not all do.
📞 Contact ZaloPay Support (24/7 hotline) and provide the transaction ID for immediate verification.

In most cases, rejections happen due to casino-side integration errors, not user faults. Refunds for failed transactions are automatically credited back to your wallet within 24 hours.

ZaloPay

Online Casinos Accepting ZaloPay

What Is ZaloPay and How It Dominates Online Casino Payments?

History of ZaloPay

Is Gambling with ZaloPay Legal?

Availability by Region

Fees, Delays, and Hidden Costs

Fees for Casino Users

Processing Speeds & Performance

🧾 Hidden Costs? Practically None.

How to Use ZaloPay to Gamble Online

Create or Log into Your Zalo Account

Link Your Bank Account or Card

Choose a Casino That Accepts ZaloPay

Complete the Payment

Withdraw Winnings

New Online Casinos That Accept ZaloPay

Sportsbooks That Accept ZaloPay

Live Casinos That Support ZaloPay Payments

ZaloPay Gambling Compared to Other Banking Methods

💬 Analysis: Why ZaloPay Wins Locally

Security, Chargebacks, and Disputes: How Safe Is ZaloPay for Gambling?

🧱 Core Security Infrastructure

⚖️ Chargebacks and Dispute Handling

🧩 Privacy and Data Handling

Payment Transparency – Are ZaloPay Casinos Clear on Terms?

🧾 Built-In Transparency Features

⚖️ Casino Transparency Obligations

⚙️ What Players Should Still Watch For

📊 Example of a Transparent Transaction Log

Philosophical Note – Should Rational Gamblers Use ZaloPay?

Online Casinos Accepting ZaloPay – FAQs