LPBank launches LocPhat Pay - a centralized cash flow management solution for Vietnamese businesses.

On December 10, 2025, LPBank officially introduced LocPhat Pay – a centralized cash flow management platform aimed at businesses operating under multi-point-of-sale models, retail chains, logistics, and service businesses. With a mechanism linking transactions to each employee/store/point of sale, along with an automated reconciliation reporting system, the solution is designed to address the challenge of detailed real-time revenue control in the context of businesses requiring digital operations and electronic tax filing.

Smart and transparent management down to every point of sale.

The process of business model transformation, chain expansion, and increased digital transactions has made it difficult for many businesses to control cash flow. In reality, many units still have fragmented collection and reconciliation processes, relying on disjointed reports , scattered data, delayed recording across multiple channels , or lacking real-time data aggregation to accurately assess efficiency at each point of sale. These limitations not only affect operational optimization but also increase financial risks and management costs.

LocPhat Pay was developed to help businesses centralize all their financial data on a single, unified system, reducing reliance on manual processes and creating a standardized management platform for the entire network.

LocPhat Pay is a centralized payment and cash flow management platform that allows businesses to identify each transaction via a unique QR code, perform automatic reconciliation, and track revenue in real time.

Businesses can proactively assign QR codes to each branch, store, or employee according to their shift. Each transaction is fully recorded by the system, including the person collecting the money, the time, and the details, and revenue is transferred to a single LPBank account. This eliminates the risk of handling personal cash, reduces discrepancies at shift closing, and speeds up end-of-day reconciliation.

For chain businesses, real-time data is displayed on the management application and website, allowing for tracking of revenue by region, shift, or day. Voice notifications of balance changes add convenience, helping businesses stay continuously updated on cash flow, even when not directly monitoring the sales software.

LocPhat Pay is designed to suit businesses of all sizes. For small businesses without an enterprise resource planning (ERP) system, the application can function as a "mini ERP" to support revenue and expense management and aggregate revenue without the need for complex system investments. For larger businesses already with ERP, LocPhat Pay supports direct integration to synchronize sales, collection, and reconciliation data, ensuring seamless cash flow management across the entire system.

Launch offers, supporting Vietnamese businesses on their digital transformation journey.

To support businesses in smoothly and cost-effectively transitioning to digital finance, LPBank is launching a series of promotions to celebrate the launch of LocPhat Pay. Businesses meeting the criteria regarding sales revenue and the number of QR code transactions in a month will receive an immediate bonus of VND 680,000. In addition, customers will receive lifetime free usage fees for the LocPhat Pay solution, significantly reducing long-term operating costs.

In addition, LPBank is offering one year of free use of electronic invoicing or digital signature services with no value limit, up to VND 1 million, for customers who register in 2026. Businesses will also receive one year of free use of the Loc Phat Speaker device when purchasing directly through the application, optimizing the experience of real-time transaction notifications.

LPBank aims to partner with businesses on their journey towards digitalization and sustainable expansion.

A representative from LPBank stated: “LocPhat Pay is developed as a comprehensive cash flow management platform, not only supporting payments but also providing businesses with the ability to control transactions more transparently, quickly, and efficiently. We aspire to accompany Vietnamese businesses on their journey of digitalization and sustainable expansion.”

In the coming period, LPBank aims to upgrade its platform with data analytics and AI technology to forecast cash flow, assess performance, and support data-driven financial planning. The bank will also continue to expand its connections with service partners to complete a comprehensive ecosystem, providing a more modern financial management experience for corporate users.

Businesses can download the LocPhat Pay app from the App Store or CH Play and follow the instructions. For detailed information and registration support, please contact:

Hotline: 8668 or 02462 668 668

Website: https://lpbank.com.vn/doanh-nghiep