> ## Content Index > Fetch the complete content index at: https://blog.fizen.io/llms.txt > Use this file to discover other available public pages before exploring further. # Fizen QR Pay: A Traveller's Guide to QR Payments in Vietnam and the Philippines (2026) - URL: https://blog.fizen.io/qrpay-what-is-moreta-pay-2026/ - Published: 2026-10-14T01:48:39.000Z - Updated: 2026-10-14T16:30:44.000Z - Description: Fizen QR Pay is a non-custodial wallet for foreign travellers that scans local QR payment codes in Vietnam and the Philippines without a local bank account. Fund it with USDT on Solana or BNB, KYC applies, and the live rate is shown before you confirm. - Author: Quinn Dao - Tags: Crypto News, Travel & Nomad **Quick answer:** Fizen QR Pay is a non-custodial wallet inside the Fizen app that lets foreign travellers scan local QR payment codes in Vietnam and the Philippines without opening a local bank account. It runs on USDT on Solana and BNB, KYC applies, and it is for travellers only, not local residents. It is not a remittance service. **Key takeaways** - **What it is:** A non-custodial wallet that scans local QR codes in Vietnam and the Philippines. You keep your keys and the balance is yours. - **What it costs:** The live rate is shown before you confirm. Check current fees in the app. No monthly plan, no subscription. - **Where it works:** Vietnam and the Philippines today, extending to LATAM. Travellers and foreigners only, never local residents. - **How to fund it:** USDT on Solana and BNB. KYC applies before your first payment. You typed "what is fizen qr pay" because you saw the name on a QR stand in Vietnam or the Philippines and you do not have a local bank account. The short answer: Fizen QR Pay is a non-custodial wallet inside the Fizen app that lets a visitor scan local QR codes (VietQR and QR Ph) and pay from a balance you fund yourself with USDT on Solana or BNB, with no local bank account and no local phone number. It is not a bank, not a card, and not a local wallet. Below is what it actually costs, where it works, what it cannot do, and the honest comparison with the local tourist SIM and the cash you would otherwise carry. ## What is Fizen QR Pay, in one paragraph? Fizen QR Pay is a non-custodial wallet inside the Fizen app for international travellers. It lets you scan local QR payment codes in supported countries without opening a bank account there. You verify your identity, fund the wallet with USDT on Solana or BNB, and at the till you scan the merchant's code, see the amount in local currency and the live rate, and confirm. It is not a bank and not a remittance service. KYC applies before your first payment. The balance is yours because you keep your keys. The live rate is shown before you confirm, and you can check current fees in the app. If you are already searching for what Fizen QR Pay is, the practical answer is: a tourist workaround for QR-only counters in Vietnam and the Philippines today, extending to LATAM, funded before you fly, spent by scanning. ## Which countries does Fizen QR Pay actually work in today? Fizen QR Pay is available in Vietnam and the Philippines today, extending to LATAM. It is for travellers and foreigners only, never local residents. The app is not offered to US Persons. In Vietnam you can scan local QR codes on the VietQR rail. In the Philippines you can scan QR Ph codes. Other markets are not available for QR Pay at this time. | Country | Local QR network | Availability | | ----------- | ---------------- | --------------- | | Vietnam | VietQR | Available today | | Philippines | QR Ph | Available today | | LATAM | Not yet named | Extending | ## What does Fizen QR Pay cost per payment and per top-up? The live rate is shown on the review screen before you confirm. Check current fees in the app. There is no monthly plan or subscription. Funding is with USDT on Solana and BNB. KYC applies before your first payment. The shop page carries the current price for any travel eSIM you add. ## Do I need a local bank account or a local phone number to use it? No local bank account and no local phone number. The setup flow is: download the Fizen app, verify your identity, and fund the wallet with USDT on Solana or BNB. KYC applies. That is the point of the product. bento.travel's Vietnam payments guide, last updated August 2026, explains that ordinary VietQR codes are transfers through a Vietnamese bank, and that MoMo, ZaloPay and domestic banking apps are poor recommendations for a short-stay visitor because account opening and wallet use can require a Vietnamese number, identity verification and a compatible local bank relationship. Regulated cashless accounts in Vietnam have also been subject to stronger biometric requirements. Two practical limits. You need a data connection to scan, so sort an eSIM or local SIM before you land. And you need to fund the wallet before you can pay, so do not arrive with an empty balance and expect the first scan to work. ## Can Fizen QR Pay pay a Grab driver, a Lazada or Shopee order, or a market stall? Yes, if the merchant displays a supported QR code and you are a verified foreign visitor. Fizen QR Pay scans local QR payment networks in Vietnam and the Philippines today, extending to LATAM. You fund the wallet first, then scan the code shown at the till. The rule is the same everywhere: if the counter shows a supported QR code, you can scan it. If it does not, you cannot. At a market stall, look for the VietQR mark on the stand or the printed card by the till. ## How does this compare with the local tourist SIM and cash? A local tourist SIM gives you a local phone number and data, but it does not give you a way to pay by QR. In Vietnam, MoMo, ZaloPay and domestic banking apps often require a Vietnamese number, identity verification and a compatible local bank relationship (bento.travel, How to Pay in Vietnam, last updated August 2026). Regulated cashless accounts in Vietnam have also been subject to stronger biometric requirements (bento.travel). Cash still works for small purchases. Keep some small dong notes for parking attendants and the occasional stall that still prefers cash. But cash means ATM fees, leftover dong and the risk of carrying too much. Fizen QR Pay lets you pay from a USDT balance you already hold, with the amount shown in local currency first. You keep your keys, the balance is yours, and the amount in local currency is shown before you confirm. One more thing: QR Pay lives in the Fizen app, and the same balance also buys the travel eSIM. That means you can fund once and use it for both data and payments. ## Frequently asked questions #### Is Fizen QR Pay a bank account? No. It is a non-custodial wallet you fund yourself. You do not open a bank account in Vietnam or the Philippines, and you do not need a local phone number. #### Can Vietnamese people use Fizen QR Pay? No. Fizen QR Pay is for travellers and foreigners only. A Vietnamese person in Vietnam cannot use it, and a Filipino in the Philippines cannot use it. #### What does Fizen QR Pay cost per payment? The live rate is shown on screen before you confirm. Check current fees in the app. There is no monthly fee and no subscription. #### Can I use Fizen QR Pay to send money home? No. Fizen QR Pay is for paying local QR codes while you travel. Sending money to family is a separate service and sits outside this use case. #### Do I need data to use Fizen QR Pay? Yes. Scanning a QR code needs a working data connection. Install a travel eSIM before you land so the scanner works at the airport. ![](https://storage.ghost.io/c/04/ee/04eee3a6-7d95-474c-80a5-48f84338363b/content/images/2026/10/qrpay-what-is-moreta-pay-2026.png) #### Get the app and fund your QR Pay balance QR Pay lives in the Fizen app. Fund it with USDT on Solana or BNB, verify your identity, and scan local QR codes in Vietnam and the Philippines. New users get eSIM credit automatic in the app, no code. [Open the app](https://link.fizen.io/s/B3Aenpj7fz?ref=blog.fizen.io) ### Terms and conditions - **Information only.** This article is information only, not an offer or sale, and not financial, legal or tax advice. Check current fees, rates and limits in the app before you pay. - **For readers in the United States.** This article is information only, not an offer or sale, and not advice. Fizen is not offered to US Persons. - **Data only.** QR Pay needs a working data connection. A travel eSIM gives you data, not a local phone number. - **Self custody.** You keep your keys and the balance is yours. Nobody can restore a lost recovery phrase. ### Sources - [Fizen, QR Pay product page](https://fizen.io/qr-pay?ref=blog.fizen.io) - [Fizen, supported countries](https://fizen.io/supported-countries?ref=blog.fizen.io) - [Fizen, fees and limits](https://fizen.io/fees?ref=blog.fizen.io) - [bento.travel, How to Pay in Vietnam (2026), last updated August 2026](https://www.bento.travel/vietnam/payments?ref=blog.fizen.io) - [Philippine Department of Trade and Industry](https://www.dti.gov.ph/?ref=blog.fizen.io) - [Philippine News Agency](https://www.pna.gov.ph/?ref=blog.fizen.io) - [GMA News Online](https://www.gmanetwork.com/news/?ref=blog.fizen.io) - [Philstar.com](https://www.philstar.com/?ref=blog.fizen.io) Facts checked on 14 October 2026 against Fizen's own pages and bento.travel. ### Related reading - [ATM fees in Vietnam 2026](https://blog.fizen.io/atm-fees-in-vietnam-2026/) - [Best place to change cash in Vietnam](https://blog.fizen.io/best-place-to-change-cash-in-vietnam-avoid-scams-and-high-fees/) - [Best travel eSIM for the Philippines 2026](https://blog.fizen.io/best-travel-esim-for-philippines-2026/) - [Apps to download before a Vietnam trip 2026](https://blog.fizen.io/apps-to-download-before-vietnam-trip-2026/) - [3 reasons for digital asset payment](https://blog.fizen.io/3-reasons-for-digital-asset-payment/)