1. What is Napas Card?
The Napas Card, commonly known as the Napas domestic card, is a type of payment card issued in collaboration with financial companies, banks, and the National Payment Corporation of Vietnam.
This national card brand was issued by the State Bank of Vietnam with the first 4 digits of the card as 9704. The Napas Card meets the basic standards for domestic chip cards set by the State Bank and the international EMV standards. Additionally, this card type also complies with the VCCS standards set by NAPAS member organizations.
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2. How to Identify Napas Card?
Napas non-contact cards have distinguishing features:
- The front of the card has a chip and the “contactless” symbol, accompanied by the issuing bank’s logo and the NAPAS logo.
- The back of the card includes a magnetic stripe (located at the top) and certain regulatory information specific to each bank.
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3. What is Napas Card Used For?
The Napas Card is used for cash withdrawals, transfers, bill payments, and other online transactions. They are increasingly proving their advantages by providing services to over 50 member banks, offering many benefits to users:
- Ensure safe and flexible transactions 24/7.
- Easy to use at multiple ATMs and POS systems.
- Protect personal information and prevent fraudulent or counterfeit activities.
The integration between NAPAS and payment organizations not only expands the scope of use but also creates added values. The accompanying card services meet the instant payment needs for member banks both domestically and internationally.
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<h2><strong>4. How is Visa Card Different from Napas Card?</strong></h2>
<p>After understanding what the Napas Card is, let’s explore the differences between Visa and Napas cards!</p>
<h3><strong>4.1. Similarities</strong></h3>
<p>Both Visa and Napas cards have many similarities in terms of issuance, functionality, basic benefits, and domestic payment capabilities.</p>
<ul>
<li>Both types of cards are issued based on the cooperation between the card issuing company (Visa/MasterCard/Napas), the issuing bank (bank account management), and the cardholder (account owner). Users must adhere to the regulations set by the bank and the card issuing company.</li>
<li>The basic functions of both types of cards focus on the best payment capabilities, including cash withdrawals, transfers, and payments.</li>
<li>The card benefits are the “tools” to enhance customer experience. You will have the opportunity to receive benefits from the card issuing company, the issuing bank, and the accepting partner merchants (such as restaurants, bars, supermarkets, e-commerce websites, etc.).</li>
<li>In Vietnam, both types of cards effectively support domestic transactions through a network of ATMs and POS machines.</li>
</ul>
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4.2. Differences
In many countries around the world, Visa/MasterCard cards are more well-known compared to NAPAS. However, all three card types have similar functionalities, differing only in certain specific aspects:
|
Comparison Criteria |
Visa Card |
MasterCard |
Napas Card |
|
Card Issuing Company |
Visa Inc |
MasterCard Worldwide |
Napas |
|
Acceptance Network |
Over 80 million payment points worldwide |
N/A |
Over 300,000 POS machines and 19,200 ATMs |
|
International Transaction Capability |
Over 200 countries and territories |
Over 210 countries and territories |
5 countries: Russia, South Korea, Thailand, Malaysia, Laos |
5. Conclusion
We hope this article has helped you understand what the Napas Card is, what it is used for, and the differences between Visa and Napas cards. Choose the most suitable card for your transaction needs!
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