{"id":999970880,"date":"2025-03-06T13:45:58","date_gmt":"2025-03-06T06:45:58","guid":{"rendered":"https:\/\/bizzi.vn\/?p=999970880"},"modified":"2026-07-02T22:21:37","modified_gmt":"2026-07-02T15:21:37","slug":"cashless-payment","status":"publish","type":"post","link":"https:\/\/bizzi.vn\/en\/cashless-payment\/","title":{"rendered":"Non-cash payment documents: Regulations and control measures"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Non-cash payment documents are proof that a business has paid for goods or services through methods such as bank transfers, cards, e-wallets, QR codes, payment intermediaries, or other valid forms without using cash. From July 1st, 2025, according to new VAT regulations, non-cash payment documents for amounts of 5 million VND or more will become an important condition for businesses to deduct input VAT for many goods and services purchase transactions, except for certain specific cases as stipulated.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Therefore, correctly understanding regulations, identifying valid documents, and building effective control processes are no longer solely the responsibility of tax accountants but have become crucial management requirements for the entire enterprise.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Index<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Chung_tu_thanh_toan_khong_dung_tien_mat_la_gi\" >What is a non-cash payment voucher?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Vi_sao_chung_tu_thanh_toan_khong_dung_tien_mat_quan_trong_tu_01072025\" >Why are non-cash payment documents important from July 1, 2025?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#So_sanh_truoc_va_sau_01072025\" >Comparison before and after July 1, 2025<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Cac_loai_chung_tu_thanh_toan_khong_dung_tien_mat_hop_le\" >Valid types of non-cash payment documents<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Bang_tong_hop_cac_loai_chung_tu_pho_bien\" >Summary table of common document types<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Dieu_kien_de_chung_tu_thanh_toan_duoc_chap_nhan_khi_khau_tru_thue_GTGT\" >Conditions for payment documents to be accepted when deducting VAT.<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Vi_du_thuc_te\" >Real life example<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Nhung_loi_thuong_gap_khi_luu_chung_tu_thanh_toan_khong_dung_tien_mat\" >Common mistakes when saving cashless payment documents.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Quy_trinh_kiem_soat_chung_tu_thanh_toan_khong_dung_tien_mat_trong_doanh_nghiep\" >Procedures for controlling non-cash payment documents in businesses.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Bizzi_giup_quan_ly_chi_tieu_khong_dung_tien_mat_va_chung_tu_thanh_toan_ra_sao\" >How does Bizzi help manage cashless spending and payment vouchers?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Ghi_nhan_giao_dich_chi_tieu_tap_trung\" >Record centralized spending transactions.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Thiet_lap_han_muc_va_chinh_sach_chi_tieu\" >Set spending limits and policies.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Phe_duyet_online_va_luu_lich_su_phe_duyet\" >Online approval and approval history saving<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Thu_thap_hoa_don_va_doi_soat_tu_dong\" >Automated invoice collection and reconciliation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Bao_cao_chi_tieu_va_du_lieu_phuc_vu_kiem_toan\" >Expenditure reports and data for audit purposes.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Doanh_nghiep_nen_chuan_bi_gi_truoc_khi_quy_dinh_moi_ap_dung\" >What should businesses prepare for before the new regulations come into effect?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Cau_hoi_thuong_gap_ve_chung_tu_thanh_toan_khong_dung_tien_mat\" >Frequently Asked Questions about Non-Cash Payment Documents<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Chung_tu_thanh_toan_khong_dung_tien_mat_la_gi-2\" >What is a non-cash payment voucher?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Tu_01072025_hoa_don_duoi_20_trieu_co_can_thanh_toan_khong_dung_tien_mat_khong\" >From July 1st, 2025, will invoices under 20 million VND require cashless payment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Uy_nhiem_chi_co_phai_la_chung_tu_thanh_toan_khong_dung_tien_mat_khong\" >Is a payment order considered a non-cash payment document?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Sao_ke_ngan_hang_co_duoc_chap_nhan_khong\" >Are bank statements accepted?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Thanh_toan_bang_the_ca_nhan_cho_chi_phi_cong_ty_co_rui_ro_gi\" >What are the risks of paying company expenses with a personal credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Bu_tru_cong_no_co_duoc_xem_la_thanh_toan_khong_dung_tien_mat_khong\" >Is offsetting debts considered a non-cash payment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Thanh_toan_nhieu_lan_thi_luu_chung_tu_the_nao\" >How should the payment receipts be kept when there are multiple payments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Thieu_chung_tu_thanh_toan_khong_dung_tien_mat_thi_xu_ly_ra_sao\" >What should be done if there is a lack of documentation for non-cash payments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Phan_mem_quan_ly_chi_phi_co_giup_luu_chung_tu_thanh_toan_khong\" >Does expense management software help save payment receipts?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Bizzi_Expense_ho_tro_gi_trong_quan_ly_chung_tu_thanh_toan_khong_dung_tien_mat\" >What support does Bizzi Expense provide in managing cashless payment documents?<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/bizzi.vn\/en\/cashless-payment\/#Ket_luan\" >Conclude<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Chung_tu_thanh_toan_khong_dung_tien_mat_la_gi\"><\/span><strong>What is a non-cash payment voucher?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Non-cash payment documents are electronic documents or data that prove a payment has been made through non-cash methods.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Simply put, this is proof that money has been transferred from the payer to the payee through the financial system, banks, or legally recognized payment intermediaries.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many businesses still don&#039;t fully understand this concept. Many accountants believe that non-cash payment documents are simply payment orders or bank debit notes. In reality, the scope of these documents is much broader.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Depending on the payment method, the supporting documents may include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment authorization.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Money order.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debit notice.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank statement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit card statement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Card transaction receipt.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electronic wallet voucher.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Confirm QR payment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minutes of debt offsetting.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Authorized payment documents.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electronic transaction data.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The most important thing is that the documentation must prove:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">The money has actually been paid.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The payer and the payee.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment value.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The connection to invoices, contracts, or economic transactions that arise.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In reality, the value of a non-cash payment document lies not in the document itself, but in its ability to connect with:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Input invoices.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contract.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Purchase Order (PO).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Warehouse receipt.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acceptance documents.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment requested.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Expense file.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Having understood that non-cash payment documents are evidence of cash flow, the next question is why this type of document will become particularly important for businesses from July 1, 2025.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Vi_sao_chung_tu_thanh_toan_khong_dung_tien_mat_quan_trong_tu_01072025\"><\/span><strong>Why are non-cash payment documents important from July 1, 2025?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>From July 1st, 2025, non-cash payment documents will become one of the important conditions for businesses to deduct input VAT on purchased goods and services, except for specific cases as stipulated.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">This is a change that will have a significant impact on a company&#039;s accounting, tax, and cost management practices.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Previously, many businesses focused primarily on: <a href=\"https:\/\/bizzi.vn\/hoa-don-dau-vao-la-gi\/\">collect input invoices<\/a>. Meanwhile, payment documents are usually only reviewed during tax settlement or when clarification is required by regulatory authorities.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">From a management perspective, this approach is no longer appropriate.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"So_sanh_truoc_va_sau_01072025\"><\/span><strong>Comparison before and after July 1, 2025<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table>\n<tbody>\n<tr>\n<td><b>Criteria<\/b><\/td>\n<td><b>Before July 1, 2025<\/b><\/td>\n<td><b>From July 1, 2025<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Value of Goods\/Services<\/span><\/td>\n<td><span style=\"font-weight: 400;\">From 20 million VND or more<\/span><\/td>\n<td><span style=\"font-weight: 400;\">From 5 million VND or more<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Focus of the application<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Invoices and accounting documents<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The invoice must match the non-cash payment document.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Transaction control<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Less attention is paid to payment documentation for small transactions.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Strictly control consistency between invoices and payment documents.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Main risks<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Missing invoice or purchase record.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Lack of connection between invoices and cash flow.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Accounting responsibilities<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Collect supporting documents after payment.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Control and approve documents before making payments.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Management objectives<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Complete your tax return.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ensuring the legality of cash flow and tax accountability.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The impact of this change extends beyond just VAT declarations.<\/p>\n<p><span style=\"font-weight: 400;\">Businesses also face many new demands:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Increase transparency in cash flow.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Increase transaction traceability.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduce the risk of expense fraud.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Standardize the payment process.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Increase the capacity to respond to tax audits and inspections.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This means businesses need to shift their mindset. <\/span><b>\u201c&quot;Keep the receipt after the payment is made&quot;\u201d<\/b><span style=\"font-weight: 400;\"> luxurious <\/span><b>\u201c&quot;Control before, during, and after spending&quot;\u201d<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cac_loai_chung_tu_thanh_toan_khong_dung_tien_mat_hop_le\"><\/span><strong>Valid types of non-cash payment documents<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Non-cash payment documents can arise from various payment methods as long as the non-cash transaction can be proven and can be matched with relevant records.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bang_tong_hop_cac_loai_chung_tu_pho_bien\"><\/span><strong>Summary table of common document types<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table>\n<tbody>\n<tr>\n<td><b>Document group<\/b><\/td>\n<td><b>For example<\/b><\/td>\n<td><b>Please check.<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bank transfer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Payment authorization form, debit note, bank statement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Check account, amount, and payment date.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bank card<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Card statements, POS receipts<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Related to the user and purpose of spending.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">e-wallet<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Transaction receipts, payment history<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Proof of affiliated with the business<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">QR Code<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Confirm transaction, transaction code<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Save all reconciliation data.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Payment gateway<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Transaction ID, receipt<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Compare with the invoice.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Offsetting debts<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Reconciliation record, offsetting record<\/span><\/td>\n<td><span style=\"font-weight: 400;\">It has a complete legal basis.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Authorized payment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Power of attorney, payment documents<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Prove the relationship between the parties.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Deferred payment, installment payments<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Contract, payment schedule, and installment documents.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Track each payment in full.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">One point to note is that businesses should not keep only a single document.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Invoice for advertising services.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit card statement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment requested.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Budget approval.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When stored together, these documents form a complete record that helps prove the transaction.<\/span><\/p>\n<figure id=\"attachment_999980286\" aria-describedby=\"caption-attachment-999980286\" style=\"width: 530px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-999980286 size-full\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2026\/03\/chung-tu-thanh-toan-khong-dung-tien-mat-la-gi.png\" alt=\"What is a cashless payment method?\" width=\"530\" height=\"370\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2026\/03\/chung-tu-thanh-toan-khong-dung-tien-mat-la-gi.png 530w, https:\/\/bizzi.vn\/wp-content\/uploads\/2026\/03\/chung-tu-thanh-toan-khong-dung-tien-mat-la-gi-300x209.png 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2026\/03\/chung-tu-thanh-toan-khong-dung-tien-mat-la-gi-18x12.png 18w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/><figcaption id=\"caption-attachment-999980286\" class=\"wp-caption-text\">Payment orders are the most common form of cashless payment.<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"Dieu_kien_de_chung_tu_thanh_toan_duoc_chap_nhan_khi_khau_tru_thue_GTGT\"><\/span><strong>Conditions for payment documents to be accepted when deducting VAT.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Not all electronic payment documents are automatically accepted. The value of the document depends on its ability to prove a real economic transaction.<\/p>\n<p><span style=\"font-weight: 400;\">Checklist of important conditions:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2713 We have a valid invoice.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2713 There is proof of non-cash payment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2713 The payment details match the invoice.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2713 The recipient of the money matches the transaction.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2713 Relevant purchase or expense records are available.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2713 The business purpose can be demonstrated.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2713 Delivery or acceptance documents are available when required.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2713 There is documentation to explain cases of payment made on behalf of someone else or through an individual.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2713 A debt offsetting agreement will be provided if applicable.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2713 Centralized and complete record keeping.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Vi_du_thuc_te\"><\/span><b>Real life example<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">An employee uses a card to pay for business travel airfare. If the company only keeps electronic invoices, that&#039;s not enough. A complete set of records should include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Airline tickets.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electronic invoices.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Card transactions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Job assignment decision.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment requested.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Approve the expenses.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Only when all the records are linked together can the expenditure be easily accounted for.<\/span><\/p>\n<p><strong><em>See more content about: <a href=\"https:\/\/bizzi.vn\/top-4-mau-giay-de-nghi-thanh-toan-cong-tac-phi-trong-doanh-nghiep\/\">Top 4 sample business trip payment request forms\u00a0<\/a><\/em><\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Nhung_loi_thuong_gap_khi_luu_chung_tu_thanh_toan_khong_dung_tien_mat\"><\/span><b>Common mistakes when saving cashless payment documents.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Much of the risk doesn&#039;t stem from a business&#039;s failure to implement electronic payments, but rather from disjointed document management. Common mistakes include:<\/span><\/p>\n<p><b>Only keep the invoice, not the payment receipt.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">This is the most common mistake.<\/span><\/p>\n<p><b>The transfer details are too vague.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">For example:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u201c&quot;Pay&quot;\u201d<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u201c&quot;Spend money&quot;\u201d<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u201c&quot;CK&quot;\u201d<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These details make comparison difficult.<\/span><\/p>\n<p><b>Payment via personal account<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Without clear internal regulations and supporting documentation, businesses may face risks during the tax settlement process.<\/span><\/p>\n<p><b>Failure to retain sufficient payment documents on multiple occasions.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">An invoice may be paid in multiple installments. Accountants need to keep complete records of each transaction.<\/span><\/p>\n<p><b>Offsetting debts but without documentation.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The lack of reconciliation statements or offsetting agreements poses a significant risk.<\/span><\/p>\n<p><b>Do not link transactions to the spender.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The business doesn&#039;t know:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Who said that?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What did the money go towards?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Which budget will the expenditure follow?.<\/span><\/li>\n<\/ul>\n<p><b>The documents are only collected when it&#039;s time for final settlement.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">This is the reason for lost documents and lengthy processing times.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Quy_trinh_kiem_soat_chung_tu_thanh_toan_khong_dung_tien_mat_trong_doanh_nghiep\"><\/span><strong>Procedures for controlling non-cash payment documents in businesses.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Businesses should manage payment documents as part of an overall expense control process, rather than processing them individually after the transaction is complete.<\/p>\n<p><strong>Step 1: Create a payment request or purchase request.<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">All expenditures should begin with a request for documentation.<\/span><\/p>\n<p><strong>Step 2: Check your budget and limits.<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Ensure that the expenditure stays within the approved budget.<\/span><\/p>\n<p><strong>Step 3: Pre-expenditure approval<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Reduce the risk of unexpected expenses.<\/span><\/p>\n<p><strong>Step 4: Make a cashless payment.<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">It can be done via:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transfer.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business cards.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">QR.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electronic wallet.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Another valid method.<\/span><\/li>\n<\/ul>\n<p><strong>Step 5: Gather the documents<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bill.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Receipt.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank statement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transaction documents.<\/span><\/li>\n<\/ul>\n<p><strong>Step 6: Reconciliation<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Comparison between:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bill.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The spender.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contract.<\/span><\/li>\n<\/ul>\n<p><strong>Step 7: Save the file centrally.<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Ensure accessibility.<\/span><\/p>\n<p><strong>Step 8: Monitor accounts receivable and payment status<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment has been made.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Partial payment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unpaid.<\/span><\/li>\n<\/ul>\n<p><strong>Step 9: Prepare the report<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Serve:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accountant.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Auditing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Budget management.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Bizzi_giup_quan_ly_chi_tieu_khong_dung_tien_mat_va_chung_tu_thanh_toan_ra_sao\"><\/span><strong>How does Bizzi help manage cashless spending and payment vouchers?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>As transaction volumes increase, managing documents using Excel or manual storage makes businesses vulnerable to data loss, difficult to control, and resource-intensive.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ghi_nhan_giao_dich_chi_tieu_tap_trung\"><\/span><strong>Record centralized spending transactions.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/bizzi.vn\/quan-ly-chi-phi\/\">Bizzi Expense helps record all spending transactions.<\/a> of employees on a centralized platform.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Each transaction is linked to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For staff use.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Time of occurrence.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Supplier.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Purpose of expenditure.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Thiet_lap_han_muc_va_chinh_sach_chi_tieu\"><\/span><strong>Set spending limits and policies.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Businesses can:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Set spending limits based on your card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Departmental management.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Project-based management.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Track your budget in real time.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Phe_duyet_online_va_luu_lich_su_phe_duyet\"><\/span><strong>Online approval and approval history saving<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The entire process is digitized:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Request for payment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Advance payment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refund.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Approve.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The approval history is fully tracked for auditing purposes.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thu_thap_hoa_don_va_doi_soat_tu_dong\"><\/span><strong>Automated invoice collection and reconciliation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bizzi Expense supports:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collect the invoices.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Processing invoice data.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transaction reconciliation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Attach the supporting documents to the invoice.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This significantly reduces the time accountants spend on manual checks.<\/span><\/p>\n<figure id=\"attachment_999980267\" aria-describedby=\"caption-attachment-999980267\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><img decoding=\"async\" class=\"wp-image-999980267\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2026\/03\/quy-trinh-quan-ly-nha-cung-cap-.png\" alt=\"What is cashless payment method 6\" width=\"1200\" height=\"723\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2026\/03\/quy-trinh-quan-ly-nha-cung-cap-.png 2048w, https:\/\/bizzi.vn\/wp-content\/uploads\/2026\/03\/quy-trinh-quan-ly-nha-cung-cap--300x181.png 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2026\/03\/quy-trinh-quan-ly-nha-cung-cap--1024x617.png 1024w, https:\/\/bizzi.vn\/wp-content\/uploads\/2026\/03\/quy-trinh-quan-ly-nha-cung-cap--768x463.png 768w, https:\/\/bizzi.vn\/wp-content\/uploads\/2026\/03\/quy-trinh-quan-ly-nha-cung-cap--1536x926.png 1536w, https:\/\/bizzi.vn\/wp-content\/uploads\/2026\/03\/quy-trinh-quan-ly-nha-cung-cap--18x12.png 18w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-999980267\" class=\"wp-caption-text\">Bizzi uses automatic 3D matching, quickly detecting discrepancies and improving data accuracy.<\/figcaption><\/figure>\n<h3><span class=\"ez-toc-section\" id=\"Bao_cao_chi_tieu_va_du_lieu_phuc_vu_kiem_toan\"><\/span><strong>Expenditure reports and data for audit purposes.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Businesses can track:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Costs per employee.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Costs by department.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cost varies by supplier.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Budget situation.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As a result, payment documents are no longer separate files but become management data that can be exploited and analyzed.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Doanh_nghiep_nen_chuan_bi_gi_truoc_khi_quy_dinh_moi_ap_dung\"><\/span><b>What should businesses prepare for before the new regulations come into effect?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Instead of waiting until the tax authorities request an explanation, businesses should standardize their processes now.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The actions that should be taken include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review internal payment policies.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Limit cash payments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Standardize the content of bank transfers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The regulations clearly define the use of personal cards.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Standardize debt offsetting records.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Train staff on document archiving.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Connect invoices to payment transactions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Implement a centralized expenditure management tool.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use business cards to increase control.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If a business has numerous expenses related to business trips, marketing, office supplies, or departmental spending, adopting a platform like Bizzi Expense can help standardize the entire process from approval to document archiving.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cau_hoi_thuong_gap_ve_chung_tu_thanh_toan_khong_dung_tien_mat\"><\/span><b>Frequently Asked Questions about Non-Cash Payment Documents<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Chung_tu_thanh_toan_khong_dung_tien_mat_la_gi-2\"><\/span><strong>What is a non-cash payment voucher?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It is a document or electronic data proving that a business has made a payment using a non-cash method.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tu_01072025_hoa_don_duoi_20_trieu_co_can_thanh_toan_khong_dung_tien_mat_khong\"><\/span><strong>From July 1st, 2025, will invoices under 20 million VND require cashless payment?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Businesses need to monitor and comply with the current regulations of the 2024 Value Added Tax Law and related guiding documents. This is a major factor affecting the conditions for VAT deduction.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Uy_nhiem_chi_co_phai_la_chung_tu_thanh_toan_khong_dung_tien_mat_khong\"><\/span><strong>Is a payment order considered a non-cash payment document?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. This is one of the most common types of documents.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Sao_ke_ngan_hang_co_duoc_chap_nhan_khong\"><\/span><strong>Are bank statements accepted?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It can be used as part of a payment verification package.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thanh_toan_bang_the_ca_nhan_cho_chi_phi_cong_ty_co_rui_ro_gi\"><\/span><strong>What are the risks of paying company expenses with a personal credit card?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The risk lies in the lack of documentation proving the purpose of the spending and its connection to business activities.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bu_tru_cong_no_co_duoc_xem_la_thanh_toan_khong_dung_tien_mat_khong\"><\/span><strong>Is offsetting debts considered a non-cash payment?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It may be considered if appropriate documentation, agreements, and records are available.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thanh_toan_nhieu_lan_thi_luu_chung_tu_the_nao\"><\/span><strong>How should the payment receipts be kept when there are multiple payments?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Businesses should keep complete records of each payment and link them to the same invoice or contract.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thieu_chung_tu_thanh_toan_khong_dung_tien_mat_thi_xu_ly_ra_sao\"><\/span><strong>What should be done if there is a lack of documentation for non-cash payments?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It is necessary to review the possibility of supplementing the application, cross-check with the bank, and prepare explanations based on the actual situation.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Phan_mem_quan_ly_chi_phi_co_giup_luu_chung_tu_thanh_toan_khong\"><\/span><strong>Does expense management software help save payment receipts?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Modern expense management platforms can store, reconcile, and retrieve documents centrally.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bizzi_Expense_ho_tro_gi_trong_quan_ly_chung_tu_thanh_toan_khong_dung_tien_mat\"><\/span><strong>What support does Bizzi Expense provide in managing cashless payment documents?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bizzi Expense supports transaction recording, limit management, online approval, invoice collection, document reconciliation, and report generation for accounting, auditing, and tax purposes.<\/span><\/p>\n<h1><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><b>Conclude<\/b><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p><b>Non-cash payment documents are not just an accounting record requirement but are becoming a crucial element in a company&#039;s financial management and tax compliance.<\/b><span style=\"font-weight: 400;\"> When the new regulations take effect on July 1, 2025, businesses need to shift from a mindset of retaining documents after each transaction to building a comprehensive control process from expense request, approval, payment, invoice collection to reconciliation and archiving.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Manual document management may meet the needs of small-scale businesses, but as the number of transactions increases, businesses face the risk of lost records, difficulty retrieving data, and lengthy explanations during audits or tax inspections. This is where digital solutions for expense management and cashless payments come into play.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bizzi Expense, combined with business cards, helps businesses control the entire spending lifecycle on a unified platform: from setting limits, online approval, real-time transaction recording, invoice collection, document reconciliation to budget reporting and tracking for accounting, auditing, and tax purposes.<\/span><\/p>\n<p><b>Sign up for a Bizzi demo today to experience our centralized cashless expense and payment voucher management solution, helping businesses reduce tax risks, improve budget control, and optimize financial and accounting operational efficiency.<\/b><\/p>\n<p><em><strong>Digital transformation today is tax risk insurance for tomorrow. Register here to schedule a 1:1 consultation with Bizzi&#039;s team of experts:<a href=\"https:\/\/bizzi.vn\/dat-lich-demo\/\"> https:\/\/bizzi.vn\/dat-lich-demo\/<\/a><\/strong><\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Ch\u1ee9ng t\u1eeb thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 b\u1eb1ng ch\u1ee9ng cho th\u1ea5y doanh nghi\u1ec7p \u0111\u00e3 thanh to\u00e1n cho h\u00e0ng h\u00f3a ho\u1eb7c d\u1ecbch v\u1ee5 th\u00f4ng&#8230;<\/p>","protected":false},"author":37,"featured_media":999970892,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[85,372],"tags":[],"class_list":["post-999970880","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kiem-soat","category-thanh-toan"],"acf":[],"_links":{"self":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts\/999970880","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/users\/37"}],"replies":[{"embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/comments?post=999970880"}],"version-history":[{"count":15,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts\/999970880\/revisions"}],"predecessor-version":[{"id":999981427,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts\/999970880\/revisions\/999981427"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/media\/999970892"}],"wp:attachment":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/media?parent=999970880"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/categories?post=999970880"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/tags?post=999970880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}