Billing
Payment methods
Top-up channels supported by xCloudPhone: VietQR bank transfer and Stripe/Visa cards.
3 min read
xCloudPhone supports two main top-up methods, chosen based on which wallet you want to fund. Each has different trade-offs — pick whichever is most convenient for you.
The method you can use depends on your wallet currency, which was locked when you signed up. VND wallets only see VietQR; USD wallets only see Stripe. If you don't see the method you expected, your wallet may have been assigned the wrong currency — see Wallet currency is locked by your signup IP.
1. Bank transfer — VietQR (VND)
This is the most common method for Vietnam-based customers: fast, free, and no international card required.
Details:
- Currency: VND.
- Supports 28+ Vietnamese banks, including Vietcombank, BIDV, Techcombank, MB Bank, Agribank, ACB, TPBank, VPBank, Sacombank, MSB, and many more.
- Fee: free (you only pay whatever your bank charges, which is usually 0đ for in-app transfers).
- Time to wallet: 1–3 minutes after a successful transfer.
How to use:
Pick "Bank transfer (VietQR)" when creating a deposit ticket.
Open your banking app → choose the QR scan feature.
Scan the QR code shown — all the details (account number, recipient name, amount, transfer note) will be auto-filled.
Confirm the transfer.
Wait a few minutes; your balance will update automatically.
If your banking app does not support QR scanning, you can manually enter the account number and transfer note shown on the deposit ticket. The transfer note must be exact for the system to match your payment.
2. Stripe / Visa (USD)
For international customers or anyone who prefers paying by credit/debit card.
Details:
- Currency: USD.
- Accepts Visa, Mastercard, American Express, plus Apple Pay and Google Pay.
- Fee: a flat $0.30 processing fee per transaction.
- Time to wallet: near-instant once the charge is approved.
- Security: you are redirected to Stripe's PCI-DSS-certified checkout — xCloudPhone never stores your card number.
How to use:
Pick "Stripe / Visa" when creating a deposit ticket.
Continue → you are redirected to Stripe's checkout page.
Enter your card info (or use Apple Pay / Google Pay).
Complete 3D Secure verification if your bank requires it.
After the charge succeeds, you are returned to /payment-successful.
Quick comparison
| Criterion | VietQR (VND) | Stripe (USD) |
|---|---|---|
| Wallet | VND | USD |
| Audience | Customers in Vietnam | International customers |
| Fee | Free | $0.30 flat per transaction |
| Time | 1–3 minutes | Instant |
| Requirement | Vietnamese banking app | Visa/Mastercard card |
Transaction limits
Each transaction has a minimum and maximum amount depending on the method (shown on the deposit ticket page). If you need to top up more than the limit, split it into multiple tickets or contact support for guidance.
Gift codes — a special channel
In addition to the two methods above, xCloudPhone also offers gift codes — promotional codes that add funds directly to your wallet. See Invoices and gift codes for details.
Which one should you use?
- You are in Vietnam and want to pay in VND: use VietQR — fast, free, convenient.
- You are outside Vietnam or don't have a VN bank account: use Stripe — accepts international cards.
- You need a business invoice with VAT: see the invoice page for how to add your tax ID before topping up.
Warnings
Always keep the bank receipt or the Stripe transaction ID. It's your proof for reconciliation if anything goes wrong.
Never transfer money, top up, or enter card details via suspicious links, third-party intermediaries, or instructions that bypass the dashboard's official flow. xCloudPhone never asks you to send money outside the system.