Sapo

Sapo Technology JSC was founded on 20 August 2008 and is headquartered in Hanoi. It operates an omnichannel commerce platform used by more than 230,000 Vietnamese retailers, from individual sellers and household businesses to mid-sized companies, and holds ISO 9001:2015 and ISO 27001:2022 certification.

The core software covers in-store point of sale, websites, marketplaces such as Shopee, TikTok Shop and Tiki, social selling, inventory, staff management, e-invoicing and accounting. On top of that operating data Sapo runs a financial services layer: Sapo Pay for cashless collection, Sapo Express for delivery, and Sapo Money, which connects merchants to unsecured business loans and buy-now-pay-later products from banks and financial institutions, with advertised rates from 1.5% per month and approval based on the sales actually recorded in Sapo. Named financial partners include VPBank, TPBank, MBBank, BIDV, Techcombank, OCB, MSB, VNPay, ZaloPay and MoMo.

1. Omnichannel commerce platform used by more than 230,000 Vietnamese merchants.

2. Sapo Money: unsecured business loans and buy-now-pay-later distributed for partner banks, rates advertised from 1.5% per month.

3. Underwriting input: applications assessed on sales data already recorded in the merchant's Sapo account.

4. Financial partner network including VPBank, TPBank, MBBank, BIDV, Techcombank, OCB, MSB, VNPay and ZaloPay.

5. Sapo Pay for cashless collection and reconciliation against the sales ledger.

6. Certified operations: ISO 9001:2015 and ISO 27001:2022, plus Sao Khue awards in 2023 and 2025.