{"id":999979479,"date":"2025-12-10T14:42:18","date_gmt":"2025-12-10T07:42:18","guid":{"rendered":"https:\/\/bizzi.vn\/?p=999979479"},"modified":"2026-06-09T13:52:51","modified_gmt":"2026-06-09T06:52:51","slug":"contactless-payment","status":"publish","type":"post","link":"https:\/\/bizzi.vn\/en\/contactless-payment\/","title":{"rendered":"Contactless Payments &amp; Touchless Invoice Processing \u2013 Two pillars of friction reduction in digital finance."},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Contactless payment and touchless invoice processing are not just trends, but ways for businesses to upgrade their operations to be faster, more accurate, and more secure. However, to achieve true &quot;touchless&quot; success, businesses cannot start with the payment process; they must standardize data and automate the AP process from the ground up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article will provide comprehensive information to explain what a Touchless Invoice is, as well as analyze the nature of contactless payment.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 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' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Thanh_toan_khong_tiep_xuc_la_gi\" >What is contactless payment?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Khai_niem_thanh_toan_khong_tiep_xuc_la_gi\" >What is the concept of contactless payment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Cac_loai_thanh_toan_khong_tiep_xuc_pho_bien_hien_nay\" >Popular types of contactless payments today<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Thanh_toan_qua_NFC_Near_Field_Communication\" >Payment via NFC (Near Field Communication)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Thanh_toan_bang_QR_Code\" >Payment via QR Code<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Thanh_toan_qua_thiet_bi_deo_thong_minh_Wearables_Payment\" >Wearables Payment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Tap-to-Phone_SoftPOS_bien_dien_thoai_thanh_may_POS\" >Tap-to-Phone \/ SoftPOS (turns your phone into a POS machine)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Co_che_hoat_dong_cua_thanh_toan_khong_tiep_xuc_Contactless_Payment\" >How contactless payment works<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Thiet_bi_phat_tin_hieu_thanh_toan_CardPhoneWatch_tao_%E2%80%9Cma_giao_dich_dung_mot_lan%E2%80%9D\" >The payment gateway device (Card\/Phone\/Watch) generates a \u201cone-time transaction code\u201d.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#POS_va_thiet_bi_trao_doi_du_lieu_qua_NFC_Ma_hoa\" >POS and NFC\/Encryption devices exchange data via these platforms.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Ngan_hang_phat_hanh_Issuer_thuc_hien_xac_thuc\" >The issuing bank (Issuer) performs the verification.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#POS_nhan_phan_hoi_va_hoan_tat_giao_dich\" >The POS system receives the response and completes the transaction.<\/a><\/li><\/ul><\/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\/contactless-payment\/#Loi_ich_cua_thanh_toan_khong_tiep_xuc_la_gi\" >What are the benefits of contactless payments?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Voi_nguoi_dung\" >For users<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Voi_doanh_nghiep_ban_le\" >For retail businesses<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Rui_ro_han_che_cua_thanh_toan_khong_tiep_xuc\" >Risks and limitations of contactless payments<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Rui_ro_chinh\" >Main risks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Han_che_va_thach_thuc\" >Limitations and challenges<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Touchless_invoice_la_gi\" >What is a touchless invoice?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Khac_biet_giua_Contactless_va_Touchless_Invoice_la_gi\" >What is the difference between contactless and touchless invoices?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Contactless_Thanh_toan_khong_tiep_xuc_cho_nguoi_tieu_dung\" >Contactless = Contactless payment (for consumers)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Touchless_Xu_ly_hoa_don_khong_can_cham_tay_cho_doanh_nghiep\" >Touchless = Invoice processing without contact (for businesses)<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Cong_nghe_tao_ra_%E2%80%9Ctouchless%E2%80%9D_trong_AP\" >Technology that creates &quot;touchless&quot; in APs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#1_OCR_hoa_don\" >1. OCR invoice<\/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\/contactless-payment\/#2_IDP_Intelligent_Document_Processing\" >2. IDP (Intelligent Document Processing)<\/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\/contactless-payment\/#3_AI_nhan_dien_trich_xuat_du_lieu\" >3. AI recognizes and extracts data.<\/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\/contactless-payment\/#4_RPA_Robotic_Process_Automation\" >4. RPA (Robotic Process Automation)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#5_3-Way_Matching_Automation_PO_%E2%80%93_GRN_%E2%80%93_Invoice\" >5. 3-Way Matching Automation (PO \u2013 GRN \u2013 Invoice)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#6_Auto-posting_vao_ERP\" >6. Auto-posting to ERP<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#7_Auto-reconciliation\" >7. Auto-reconciliation<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Quy_trinh_Touchless_Invoice_%E2%80%93_Tung_buoc_minh_bach\" >Touchless Invoice Process \u2013 Transparent Step-by-Step<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#1_Vendor_gui_hoa_don\" >1. Vendor sends invoice<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#2_He_thong_tu_quet_trich_xuat_du_lieu\" >2. Automatic data scanning and extraction system<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#3_AI_xac_thuc_tinh_hop_le_theo_Nghi_dinh_123\" >3. AI verifies validity according to Decree 123.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#4_Tu_dong_check_trung\" >4. Automatically check for duplicates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#5_Tu_dong_doi_chieu_3-Way_PO_%E2%80%93_GRN_%E2%80%93_Invoice\" >5. Automatic 3-Way Reconciliation (PO \u2013 GRN \u2013 Invoice)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#6_Goi_y_Payment_Request\" >6. Payment Request Suggestions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#7_Workflow_duyet_tu_dong_RBAC_ABAC\" >7. Automated workflow review (RBAC \/ ABAC)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#8_Tu_dong_ghi_nhan_vao_ERP_Auto-posting\" >8. Automatic posting to ERP (Auto-posting)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#9_Doi_soat_thanh_toan_dong_ky\" >9. Reconcile payments &amp; close accounts.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Loi_ich_tai_chinh_khi_ung_dung_Touchless_Invoice_la_gi\" >What are the financial benefits of using Touchless Invoice?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#1_Giam_manh_chi_phi_xu_ly_hoa_don_%E2%80%93_Tiet_kiem_50%E2%80%9380_chi_phi_AP\" >1. Significantly reduce invoice processing costs \u2013 Save 50\u201380% in AP costs.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#2_Rut_ngan_Cycle_Time_tu_3%E2%80%937_ngay_%E2%86%92_con_vai_phut\" >2. Shorten Cycle Time from 3\u20137 days \u2192 to just a few minutes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#3_Tang_nang_suat_doi_AP_FTE_Reduction_Avoided_Hiring\" >3. Increase AP team productivity (FTE Reduction \/ Avoided Hiring)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#4_Giam_loi_%E2%80%93_tang_compliance_kiem_soat\" >4. Reduce errors \u2013 increase compliance &amp; control<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#5_Closing_nhanh_hon_20%E2%80%9340\" >5. Faster closing 20\u201340%<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Rui_ro_diem_nghen_neu_khong_chuan_hoa_quy_trinh\" >Risks and bottlenecks if processes are not standardized.<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#1_OCR_khong_doc_dung_phai_co_IDP\" >1) OCR is not reading correctly, IDP is required.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-49\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#2_Du_lieu_vendor_%E2%80%9Cban%E2%80%9D_can_cleansing_MDM\" >2) Vendor data is &quot;dirty&quot; and needs cleansing\/MDM.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-50\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#3_ERP_cu_khong_ho_tro_API_can_middleware\" >3) The old ERP system does not support APIs; middleware is required.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-51\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#4_Quy_trinh_phe_duyet_khong_ro_rang_nen_khong_the_%E2%80%9Ctouchless%E2%80%9D\" >4) The approval process is unclear, making &quot;touchless&quot; impossible.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-52\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#5_Thieu_rule_logic_cho_3-Way_Matching\" >5) Lack of logical rules for 3-Way Matching<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-53\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#6_Rui_ro_phap_ly_tuan_thu_neu_du_lieu_sai_ND123ND70\" >6) Legal\/compliance risks if data is incorrect (Decree 123\/Decree 70)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-54\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Bizzi_Bot_%E2%80%93_Nen_tang_tao_ra_Touchless_Invoice_la_gi\" >What is Bizzi Bot \u2013 the platform for creating touchless invoices?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-55\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#1_AI_OCR_nang_cao\" >1. Advanced AI + OCR<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-56\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#2_Tu_dong_3-Way_Matching_PO_%E2%80%93_GRN_%E2%80%93_Invoice\" >2. Automatic 3-Way Matching (PO \u2013 GRN \u2013 Invoice)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-57\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#3_Workflow_duyet_theo_RBACABAC_linh_hoat\" >3. Flexible workflow browsing via RBAC\/ABAC<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-58\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#4_Tich_hop_ERP_hai_chieu\" >4. Two-way ERP integration<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-59\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#5_Touchless_Payment_%E2%80%93_Tu_dong_hoa_toan_bo_Invoice-to-Pay\" >5. Touchless Payment \u2013 Automate the entire Invoice-to-Pay process.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-60\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#FAQ_ve_hinh_thuc_thanh_toan_khong_tiep_xuc_Contactless\" >FAQ about contactless payments<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-61\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Thanh_toan_contactless_co_an_toan_khong\" >Are contactless payments safe?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-62\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Thanh_toan_contactless_co_can_nhap_PIN_khong\" >Do contactless payments require a PIN?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-63\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Contactless_khac_gi_so_voi_QR\" >What is the difference between contactless and QR codes?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-64\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Mat_dien_thoai_co_bi_mat_tien_khong\" >If I lose my phone, will I lose my money?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-65\" href=\"https:\/\/bizzi.vn\/en\/contactless-payment\/#Ket_luan_Thanh_toan_khong_tiep_xuc_Touchless_Invoice_%E2%80%93_Doanh_nghiep_nen_bat_dau_tu_dau\" >Conclusion: Contactless Payments &amp; Touchless Invoices \u2013 Where Should Businesses Start?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Thanh_toan_khong_tiep_xuc_la_gi\"><\/span><b>What is contactless payment?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Contactless payment is a fast, convenient, safe, and hygienic payment method suitable for small transactions, using tokens instead of physical card information for security.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Khai_niem_thanh_toan_khong_tiep_xuc_la_gi\"><\/span><b>What is the concept of contactless payment?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Contactless payment is a form of payment where users do not need to insert their card into a POS machine, swipe the card, sign their name, or enter a PIN (within certain limits). <\/span><span style=\"font-weight: 400;\">The transaction was carried out by <\/span><b>dab<\/b><span style=\"font-weight: 400;\">, <\/span><b>bring near<\/b><span style=\"font-weight: 400;\">, or <\/span><b>scan code<\/b><span style=\"font-weight: 400;\"> using devices with integrated digital payment technology.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The core of contactless payment is the transmission of payment data via near-field communication (NFC) or QR code encryption without friction, making transactions faster and more secure.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cac_loai_thanh_toan_khong_tiep_xuc_pho_bien_hien_nay\"><\/span><b>Popular types of contactless payments today<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Here are some common forms of contactless payment:<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Thanh_toan_qua_NFC_Near_Field_Communication\"><\/span><strong>Payment via NFC (Near Field Communication)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">This is the most common type, using short-range radio waves. Users simply bring their card\/phone\/watch close to the POS machine.<\/span><\/p>\n<p><b>Include:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contactless card (Visa payWave, Mastercard Contactless)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Digital wallets that support NFC: Apple Pay, Google Wallet, Samsung Pay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Smartwatch: Apple Watch, Galaxy Watch<\/span><\/li>\n<\/ul>\n<p><b>Characteristic:<\/b><span style=\"font-weight: 400;\"> Fast, no card swiping required, and highly secure thanks to tokenization.<\/span><\/p>\n<figure id=\"attachment_999979496\" aria-describedby=\"caption-attachment-999979496\" style=\"width: 1170px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-999979496 size-full\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-6.png\" alt=\"Contactless payment 6\" width=\"1170\" height=\"698\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-6.png 1170w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-6-300x179.png 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-6-1024x611.png 1024w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-6-768x458.png 768w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-6-18x12.png 18w\" sizes=\"(max-width: 1170px) 100vw, 1170px\" \/><figcaption id=\"caption-attachment-999979496\" class=\"wp-caption-text\">Payment via NFC (Near Field Communication)<\/figcaption><\/figure>\n<h4><span class=\"ez-toc-section\" id=\"Thanh_toan_bang_QR_Code\"><\/span><b>Payment via QR Code<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Users scan QR codes to make payments, a practice popular in Vietnam thanks to the VietQR standard and the QR codes of e-wallets.<\/span><\/p>\n<p><b>Types of QR codes:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Static QR code: a fixed code, the buyer enters the amount themselves.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dynamic QR code: code changes with each transaction, automatically fills in amount and invoice information.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cross-border QR codes: Vietnam \u2013 Thailand, Singapore, Malaysia\u2026<\/span><\/li>\n<\/ul>\n<p><b>Advantage:<\/b><span style=\"font-weight: 400;\"> No POS required, suitable for SMEs, high speed.<\/span><\/p>\n<figure id=\"attachment_999979481\" aria-describedby=\"caption-attachment-999979481\" style=\"width: 772px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-999979481 size-full\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-2.webp\" alt=\"Contactless payment 3\" width=\"772\" height=\"480\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-2.webp 772w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-2-300x187.webp 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-2-768x478.webp 768w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-2-18x12.webp 18w\" sizes=\"(max-width: 772px) 100vw, 772px\" \/><figcaption id=\"caption-attachment-999979481\" class=\"wp-caption-text\">Payment via QR Code<\/figcaption><\/figure>\n<h4><span class=\"ez-toc-section\" id=\"Thanh_toan_qua_thiet_bi_deo_thong_minh_Wearables_Payment\"><\/span><b>Wearables Payment<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Pay with watches, bracelets, rings, etc., via NFC or tokenization.<\/span><\/p>\n<p><b>For example:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Garmin Pay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fitbit Pay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">RingPay (smart ring)<\/span><\/li>\n<\/ul>\n<p><b>Convenient:<\/b><span style=\"font-weight: 400;\"> Suitable for fitness, bus\/metro rides, and small purchases.<\/span><\/p>\n<figure id=\"attachment_999979482\" aria-describedby=\"caption-attachment-999979482\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-999979482 size-full\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-3.jpg\" alt=\"Contactless payment 3\" width=\"800\" height=\"480\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-3.jpg 800w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-3-300x180.jpg 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-3-768x461.jpg 768w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-3-18x12.jpg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-999979482\" class=\"wp-caption-text\">Wearables Payment<\/figcaption><\/figure>\n<h4><span class=\"ez-toc-section\" id=\"Tap-to-Phone_SoftPOS_bien_dien_thoai_thanh_may_POS\"><\/span><strong>Tap-to-Phone \/ SoftPOS (turns your phone into a POS machine)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">The seller&#039;s phone uses NFC to receive contactless payments.<\/span><\/p>\n<p><b>Allow:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No traditional POS machine required.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SMEs, shippers, and small shops can all accept contactless Visa\/Mastercard.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This is a major trend in banking and Fintech \u2013 <\/span><span style=\"font-weight: 400;\">Biometric Payments. This means you...<\/span><span style=\"font-weight: 400;\">No need to touch cards or scan QR codes, just use biometrics:<\/span><\/p>\n<p><b>For example:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Face scanning (FacePay)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fingerprint on the phone<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Palm recognition (Amazon One \u2013 palm scanning)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Although not yet widespread, this is a natural evolution of contactless technology.<\/span><\/p>\n<figure id=\"attachment_999979494\" aria-describedby=\"caption-attachment-999979494\" style=\"width: 720px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-999979494 size-full\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-5.png\" alt=\"Contactless payment 5\" width=\"720\" height=\"480\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-5.png 720w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-5-300x200.png 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/thanh-toan-khong-tiep-xuc-5-18x12.png 18w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><figcaption id=\"caption-attachment-999979494\" class=\"wp-caption-text\">Tap-to-Phone \/ SoftPOS (turns your phone into a POS machine)<\/figcaption><\/figure>\n<h3><span class=\"ez-toc-section\" id=\"Co_che_hoat_dong_cua_thanh_toan_khong_tiep_xuc_Contactless_Payment\"><\/span><b>How contactless payment works<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Contactless payments operate based on near-field communication (NFC) technology or two-way encryption (QR code). Depending on the type of contactless payment, the detailed mechanism varies, but they all follow four main steps:<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Thiet_bi_phat_tin_hieu_thanh_toan_CardPhoneWatch_tao_%E2%80%9Cma_giao_dich_dung_mot_lan%E2%80%9D\"><\/span>The payment gateway device (Card\/Phone\/Watch) generates a \u201cone-time transaction code\u201d.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>When a user brings their card or phone close to the POS machine:<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">The device is not sending the actual card number (PAN).<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Instead, it sends a tokenized payment token or one-time transaction code (cryptogram).<\/li>\n<\/ul>\n<p>This mechanism is called Tokenization \u2013 it helps ensure security because the real data is not leaked.<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"POS_va_thiet_bi_trao_doi_du_lieu_qua_NFC_Ma_hoa\"><\/span>POS and NFC\/Encryption devices exchange data via these platforms.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>If it&#039;s NFC:<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Transmission distance: 1\u20134 cm<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Speed: a few milliseconds<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">The card\/phone sends encrypted information via short-range radio waves.<\/li>\n<\/ul>\n<p>If it&#039;s a QR code:<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Buyer scans the QR code \u2192 phone sends data via the bank&#039;s\/e-wallet&#039;s API.<\/li>\n<\/ul>\n<p>Both ensure there is no physical contact.<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Ngan_hang_phat_hanh_Issuer_thuc_hien_xac_thuc\"><\/span>The issuing bank (Issuer) performs the verification.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>The POS sends data packets to:<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Acquirer Bank<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Then forward it to the card issuer (Visa\/Mastercard, etc.).<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Then it goes to the bank that issued the buyer&#039;s card.<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Bank check:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Is the token valid?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are there duplicate transactions?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Does the device recognize the registered cardholder (Face ID, PIN, fingerprint)?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Is the account balance\/credit limit sufficient?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If valid \u2192 <\/span><b>Approve. <\/b><span style=\"font-weight: 400;\">Invalid \u2192 <\/span><b>Decline. <\/b><span style=\"font-weight: 400;\">It all happens in <\/span><b>0.2\u20131 second<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"POS_nhan_phan_hoi_va_hoan_tat_giao_dich\"><\/span><span style=\"font-weight: 400;\">The POS system receives the response and completes the transaction.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The POS displays &quot;Approved&quot;.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The money is either held or paid immediately, depending on the type of transaction.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tokens expire after the transaction \u2192 cannot be stolen and reused.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Loi_ich_cua_thanh_toan_khong_tiep_xuc_la_gi\"><\/span><b>What are the benefits of contactless payments?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Contactless payment offers benefits in terms of speed, convenience, and security for both users and businesses.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Voi_nguoi_dung\"><\/span><strong>For users<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Transactions are 2\u20133 times faster than with traditional chip cards\/swipe cards.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Simply bring your card\/phone close to the POS terminal and it will process it in less than 1 second.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No PIN required for small transactions \u2192 further reduces processing time.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">No contact required \u2014 Reduces hygiene and infection risks.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No touching POS terminals, no cash exchange.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Particularly useful in crowded places: supermarkets, convenience stores, and food and beverage outlets.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Superior security thanks to Tokenization<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Don&#039;t use your real card number \u2192 reduces the chance of theft.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Each transaction generates a dynamic cryptogram, making it impossible for hackers to reuse.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Combining FaceID and fingerprint recognition when using e-wallets \u2192 multi-layered security.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Voi_doanh_nghiep_ban_le\"><\/span><strong>For retail businesses<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Contactless payments offer numerous benefits to retail businesses, including:<\/span><\/p>\n<p><strong>Increase service speed \u2013 reduce queues.<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fast payment \u2192 increased throughput at the counter.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduce congestion during peak hours, especially for the F&amp;B, fashion, and minimart industries.<\/span><\/li>\n<\/ul>\n<p><strong>Reduce the risks associated with handling cash.<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimize losses or errors when counting money.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduce costs associated with managing, counting, and transporting cash.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Easily integrates with modern POS systems.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Most modern POS systems are NFC\/QR-ready.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Optimize the omnichannel experience by integrating with e-wallets and loyalty programs.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Rui_ro_han_che_cua_thanh_toan_khong_tiep_xuc\"><\/span><b>Risks and limitations of contactless payments<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Contactless payment is convenient but has drawbacks. <\/span><span style=\"font-weight: 400;\">Security risks and implementation difficulties.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Rui_ro_chinh\"><\/span><b>Main risks<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Security risks:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Fraudulent transactions due to lost\/stolen cards: Lost cards can be used to make numerous small transactions without a PIN, especially as the threshold for PIN-free transactions is raised.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Sophisticated attacks: Hackers may attempt to modify NFC devices or steal private data.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Reduce<\/span><span style=\"font-weight: 400;\">oh<\/span><span style=\"font-weight: 400;\">The risk of counterfeit cards or e-wallets still exists.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business risks:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Chargebacks: Chargeback transactions can result in lost revenue and fees for the seller.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Ph<\/span><span style=\"font-weight: 400;\">processing<\/span><span style=\"font-weight: 400;\"> High: Implementation may be costly initially due to the need to invest in equipment.\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Han_che_va_thach_thuc\"><\/span><strong>Limitations and challenges<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unfamiliarity: Older users or those unfamiliar with new technologies may encounter difficulties.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Infrastructure: Outdated POS machines that are not supported or require upgrades and device synchronization.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employee training: Employees need time to familiarize themselves with new procedures to avoid confusion.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transaction limits: While they help reduce risk, these limits also restrict the value of payments.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Touchless_invoice_la_gi\"><\/span><strong>What is a touchless invoice?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Touchless Invoice is a fully automated invoice processing system that requires no data entry or manual human intervention.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The system will automatically:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Receive invoice<span style=\"font-weight: 400;\"> from email\/provider.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Read \u2013 extract data<span style=\"font-weight: 400;\"> (OCR + AI).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Validity check<span style=\"font-weight: 400;\"> (Tax ID number, date, amount, VAT\u2026).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Compare<span style=\"font-weight: 400;\"> with purchase order\/gross order or contract.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Create a payment voucher\/payment request form.<span style=\"font-weight: 400;\"> in ERP.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Submit for automatic review<span style=\"font-weight: 400;\"> following the workflow.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Make a payment<span style=\"font-weight: 400;\"> Or transfer it to a bank.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">It all happened <\/span><b>No need to touch<\/b><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No manual data entry required.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do not upload invoices to ERP.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do not send emails requesting approval.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No need for manual prompts or follow-ups.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Khac_biet_giua_Contactless_va_Touchless_Invoice_la_gi\"><\/span><strong>What is the difference between contactless and touchless invoices?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"Contactless_Thanh_toan_khong_tiep_xuc_cho_nguoi_tieu_dung\"><\/span><span style=\"font-weight: 400;\">Contactless = Contactless payment (for consumers)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For use with <\/span><b>card\/phone<\/b><span style=\"font-weight: 400;\"> when swiping at the store.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Technology <\/span><b>NFC<\/b><span style=\"font-weight: 400;\">Simply touch or bring it close to the POS machine.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Small, fast transactions, no PIN required.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Examples include Apple Pay, Samsung Pay, and contactless Visa\/Mastercard cards.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Touchless_Xu_ly_hoa_don_khong_can_cham_tay_cho_doanh_nghiep\"><\/span><span style=\"font-weight: 400;\">Touchless = Invoice processing without contact (for businesses)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For internal use <\/span><b>accounting and financial processes<\/b><span style=\"font-weight: 400;\"> of the enterprise (AP).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fully automatic: <\/span><b>Receive \u2013 Read \u2013 Check \u2013 Compare \u2013 Submit for approval \u2013 Create payment voucher \u2013 Make payment<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No data entry, no uploading of invoice files, no email requests for approval.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Examples: AP Automation system, Bizzi IPA.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Cong_nghe_tao_ra_%E2%80%9Ctouchless%E2%80%9D_trong_AP\"><\/span><b>Technology that creates &quot;touchless&quot; in APs<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The technology that creates &quot;touchless&quot; payment\/invoice management (AP) primarily relies on NFC (Near-Field Communication) and QR codes, combined with Artificial Intelligence (AI), Optical Character Recognition (OCR), and Process Automation (RPA). The main goal is to digitize, extract invoice information, automatically reconcile and approve, minimizing manual intervention (touchfree) throughout the entire AP process, from invoice receipt to final payment.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_OCR_hoa_don\"><\/span><b>1. OCR invoice<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Read invoices in PDF format, photos, and files sent via email. <\/span><i><span style=\"font-weight: 400;\">But OCR <\/span><\/i><b><i>simply<\/i><\/b><i><span style=\"font-weight: 400;\"> They only read the text \u2014 they don&#039;t understand the context. This is a gap that many competitors don&#039;t address clearly.<\/span><\/i><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_IDP_Intelligent_Document_Processing\"><\/span><b>2. IDP (Intelligent Document Processing)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It uses OCR + AI to help the system understand the structure of hundreds of different invoice templates.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Layout identification<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understanding data fields<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatically classify suppliers and document types.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">IDP is a platform that helps increase accuracy to &gt;90\u201395%.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_AI_nhan_dien_trich_xuat_du_lieu\"><\/span><b>3. AI recognizes and extracts data.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">AI reads line segments and key fields:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Amount before\/after tax<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">VAT<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PO Number<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Product code<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Supplier code<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Result: The data has been extracted accurately and is ready for comparison.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_RPA_Robotic_Process_Automation\"><\/span><b>4. <a href=\"https:\/\/bizzi.vn\/rpa-ke-toan-la-gi\/\">RPA<\/a> (Robotic Process Automation)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">RPA automates all repetitive accounting tasks:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Download invoices from email<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Save file<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submit for review via workflow<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Move to ERP<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Reduce manual operations by 70\u201380%.<\/span><\/p>\n<figure id=\"attachment_999979486\" aria-describedby=\"caption-attachment-999979486\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-999979486\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/touchless-invoice-la-gi-1.jpg\" alt=\"What is Touchless Invoice?\" width=\"1200\" height=\"675\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/touchless-invoice-la-gi-1.jpg 1920w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/touchless-invoice-la-gi-1-300x169.jpg 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/touchless-invoice-la-gi-1-1024x576.jpg 1024w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/touchless-invoice-la-gi-1-768x432.jpg 768w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/touchless-invoice-la-gi-1-1536x864.jpg 1536w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/touchless-invoice-la-gi-1-18x10.jpg 18w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-999979486\" class=\"wp-caption-text\">The primary goal of &quot;touchless invoice&quot; technology is to digitize and extract invoice information, automatically verify and approve it, and minimize manual intervention (touchfree) throughout the entire AP process, from invoice receipt to final payment.<\/figcaption><\/figure>\n<h3><span class=\"ez-toc-section\" id=\"5_3-Way_Matching_Automation_PO_%E2%80%93_GRN_%E2%80%93_Invoice\"><\/span><b>5. 3-Way Matching Automation (PO \u2013 GRN \u2013 Invoice)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Automatic matching:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Quantity<span style=\"font-weight: 400;\"> receive<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Unit price<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Value<span style=\"font-weight: 400;\"> bill<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This is <\/span>rare attribute<span style=\"font-weight: 400;\"> helps the process to really improve. <\/span>&quot;no-touch&quot;<span style=\"font-weight: 400;\">The system automatically verifies for a match, only sending alerts when there is a discrepancy.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Auto-posting_vao_ERP\"><\/span><b>6. Auto-posting to ERP<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Automatically generated:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment request form<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment voucher<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accounting entries<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For ERP systems like SAP, Oracle, Odoo, D365\u2026 No data entry or file uploads required.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Auto-reconciliation\"><\/span><b>7. Auto-reconciliation<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank reconciliation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reconcile vendor ledger accounts payable.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Matching transactions \u2013 invoices \u2013 payments<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ensure AP is transparent and does not fall behind schedule with suppliers.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Quy_trinh_Touchless_Invoice_%E2%80%93_Tung_buoc_minh_bach\"><\/span><b>Touchless Invoice Process \u2013 Transparent Step-by-Step<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Touchless Invoice Processing = from the moment the vendor sends the invoice \u2192 to payment and closing the billing cycle \u2192 0 manual operations. Below is the Touchless Invoice Processing process presented step-by-step \u2013 clear \u2013 transparent, following the actual flow of a modern AP:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Vendor_gui_hoa_don\"><\/span><b>1. Vendor sends invoice<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Via <\/span><b>e-mail<\/b><span style=\"font-weight: 400;\">, <\/span><b>vendor portal<\/b><span style=\"font-weight: 400;\">, or <\/span><b>API<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The system automatically receives invoices; no manual downloading is required.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"2_He_thong_tu_quet_trich_xuat_du_lieu\"><\/span><b>2. Automatic data scanning and extraction system<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">IDP + OCR reads PDFs\/images.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatically identify invoice template, supplier, and document type.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"3_AI_xac_thuc_tinh_hop_le_theo_Nghi_dinh_123\"><\/span><b>3. AI verifies validity according to Decree 123.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check the tax identification number, symbol, form number, and invoice number.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Verify that the invoice exists, has not been canceled, and is valid in the tax system.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check the date, VAT, and total amount.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"4_Tu_dong_check_trung\"><\/span><b>4. Automatically check for duplicates<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Match invoice number \u2013 date \u2013 vendor \u2013 value.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prevent duplication from the start.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"5_Tu_dong_doi_chieu_3-Way_PO_%E2%80%93_GRN_%E2%80%93_Invoice\"><\/span><b>5. Automatic 3-Way Reconciliation (PO \u2013 GRN \u2013 Invoice)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Match <\/span><b>quantity<\/b><span style=\"font-weight: 400;\">, <\/span><b>unit price<\/b><span style=\"font-weight: 400;\">, <\/span><b>value<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Matching logic is supported by AI.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Only issue warnings when there is a discrepancy (exception-based workflow).<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"6_Goi_y_Payment_Request\"><\/span><b>6. Payment Request Suggestions<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The system automatically generates a payment draft based on the matched invoice.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No manual data entry or form creation is required.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"7_Workflow_duyet_tu_dong_RBAC_ABAC\"><\/span><b>7. Automated workflow review (RBAC \/ ABAC)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatically submit applications for approval to the right people with the right permissions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rules based on limits, expense types, and departments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automated approval reminders \u2013 no manual emails.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"8_Tu_dong_ghi_nhan_vao_ERP_Auto-posting\"><\/span><b>8. Automatic posting to ERP (Auto-posting)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Create journal entries, PR\/PO updates, payment vouchers, or invoices in the ERP system.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Two-way synchronization with SAP \/ Oracle \/ Odoo \/ D365 \/ FAST \/ Bravo\u2026<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"9_Doi_soat_thanh_toan_dong_ky\"><\/span><b>9. Reconcile payments &amp; close accounts.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatically match payments, invoices, and bank statements.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Calculate your PAID\/UNPAID status yourself.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatically prepare data for closing.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Loi_ich_tai_chinh_khi_ung_dung_Touchless_Invoice_la_gi\"><\/span><b>What are the financial benefits of using Touchless Invoice?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Touchless Invoice = Reduced costs \u2013 reduced personnel \u2013 reduced errors \u2013 increased speed \u2013 increased accuracy \u2013 increased transparency. Let&#039;s analyze the benefits of implementing Touchless Invoice.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Giam_manh_chi_phi_xu_ly_hoa_don_%E2%80%93_Tiet_kiem_50%E2%80%9380_chi_phi_AP\"><\/span><b>1. Significantly reduce invoice processing costs \u2013 Save 50\u201380% in AP costs.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Manual process: <\/span><b>80,000\u2013150,000 VND\/invoice<\/b><span style=\"font-weight: 400;\"> (Data entry, checking, submission for approval, error handling).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Touchless: only <\/span><b>20,000\u201340,000 VND\/invoice<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"2_Rut_ngan_Cycle_Time_tu_3%E2%80%937_ngay_%E2%86%92_con_vai_phut\"><\/span><b>2. Shorten Cycle Time from 3\u20137 days \u2192 to just a few minutes<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic receiving \u2013 reading \u2013 checking \u2013 comparing \u2013 sending for approval.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paying on time reduces penalties and improves your reputation with vendors.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Take advantage of early payment discounts.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"3_Tang_nang_suat_doi_AP_FTE_Reduction_Avoided_Hiring\"><\/span><b>3. Increase AP team productivity (FTE Reduction \/ Avoided Hiring)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">One person can now handle 3\u20135 times the number of invoices they previously processed.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">As the volume of invoices increases, there is no need to increase staff.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Optimizing long-term operating costs.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"4_Giam_loi_%E2%80%93_tang_compliance_kiem_soat\"><\/span><b>4. Reduce errors \u2013 increase compliance &amp; control<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Automatic validation according to Decree 123 \/ Decree 70.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Automatically check for duplicates, check amounts, purchase orders (PO), and gross warrants (GRN).<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">A complete audit trail: who approved it, when, and what changes were made \u2192 serves audit and tax purposes.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Reduce the risk of errors leading to disallowed payments.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"5_Closing_nhanh_hon_20%E2%80%9340\"><\/span><b>5. Faster closing 20\u201340%<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Data is entered into the ERP system in real-time, so it doesn&#039;t accumulate until the end of the month.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Auto-reconciliation helps shorten reconciliation time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The chief accountant and CFO have timely data to make decisions.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Rui_ro_diem_nghen_neu_khong_chuan_hoa_quy_trinh\"><\/span><b>Risks and bottlenecks if processes are not standardized.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Investing in IDP, MDM, integration layer, matching logic, and governance is essential \u2014 prioritized in this order: Vendor data + IDP + Approval rules + Middleware. Correctly implementing these four components will transform the &quot;touchless&quot; concept into a measurable result.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_OCR_khong_doc_dung_phai_co_IDP\"><\/span><b>1) OCR is not reading correctly, IDP is required.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Reason<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The invoices come in a variety of formats and templates, with poor quality scans\/images.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pure OCR only recognizes characters; it doesn&#039;t understand layout.<\/span><\/li>\n<\/ul>\n<p><b>Consequences<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High extraction error rate \u2192 requires manual processing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduced throughput negates the benefits of &quot;touchless&quot; functionality.<\/span><\/li>\n<\/ul>\n<p><b>Solution (high priority)<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deployment <\/span><b>IDP (OCR + AI)<\/b><span style=\"font-weight: 400;\"> This allows for learning patterns, understanding layouts, and recognizing line styles.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Invest in image preprocessing steps (deskew, denoise) to improve OCR.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Establish <\/span><b>feedback loop<\/b><span style=\"font-weight: 400;\">: User corrects the error for the first time \u2014 active learning system.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">KPI: Increase accuracy to &gt;95% within 30\u201360 days of testing.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"2_Du_lieu_vendor_%E2%80%9Cban%E2%80%9D_can_cleansing_MDM\"><\/span><b>2) Vendor data is &quot;dirty&quot; and needs cleansing\/MDM.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Reason<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-standard vendor name, code, tax identification number, and bank account details; multiple aliases.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The provider sends multiple emails\/multiple accounts.<\/span><\/li>\n<\/ul>\n<p><b>Consequences<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Matching PO\/Invoice\/GRN failed; duplicate; incorrect ledger.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reconciliation errors, delayed payments, and fraud risks.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><b>Solution (high priority)<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Construction <\/span><b>Vendor Master \/ MDM<\/b><span style=\"font-weight: 400;\">: Standardize name, tax identification number (MST), vendor code, and account number.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use the tool <\/span><b>data cleansing<\/b><span style=\"font-weight: 400;\"> &amp; rule-based matching for alias pairing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vendors are required to register with accurate information. <\/span><b>portal<\/b><span style=\"font-weight: 400;\"> before receiving the invoice.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">KPI: Reduce unmatched vendor rate to &lt;5%.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"3_ERP_cu_khong_ho_tro_API_can_middleware\"><\/span><strong>3) The old ERP system does not support APIs; middleware is required.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Reason<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legacy systems do not have endpoints for auto-posting; they only support manual import or batch file uploads.<\/span><\/li>\n<\/ul>\n<p><b>Consequences<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Requires RPA\/CSV upload \u2192 not real-time, prone to errors \u2192 disrupts touchless workflow.<\/span><\/li>\n<\/ul>\n<p><b>Solution (high priority)<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Design <\/span><b>middleware \/ integration layer<\/b><span style=\"font-weight: 400;\">:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">It could be an ESB, iPaaS, or a specialized connector (SAP PI\/PO, Oracle Integration, Mule, Bizzi connector, etc.).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Supports data transformation, retry logic, logging, and queuing.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If that&#039;s not possible, use <\/span><b>RPA+ validation<\/b><span style=\"font-weight: 400;\"> This is just a temporary step, but a plan to develop an API is necessary.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">KPI: Average time-to-post &lt; 5 minutes; post errors &lt; 1%.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"4_Quy_trinh_phe_duyet_khong_ro_rang_nen_khong_the_%E2%80%9Ctouchless%E2%80%9D\"><\/span><strong>4) The approval process is unclear, making &quot;touchless&quot; impossible.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Reason<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ad-hoc browsing flow, numerous exceptions, and non-standardized permissions\/thresholds.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lack of RBAC\/ABAC policies.<\/span><\/li>\n<\/ul>\n<p><b>Consequences<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The automated submission system was interrupted in many places \u2192 manual intervention was required \u2192 the no-touch goal was not achieved.<\/span><\/li>\n<\/ul>\n<p><b>Solution (high priority)<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Standardize approval policy: by limit, expense type, project, and department.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Apply RBAC\/ABAC to the workflow engine; there is clear exception handling.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Train reviewers, commit to SLAs (e.g., review within 24 hours).<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Implement automated escalation and audit trail.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">KPI: Rate auto-approved (no intervention needed) &gt; 85%.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"5_Thieu_rule_logic_cho_3-Way_Matching\"><\/span><b>5) Lack of logical rules for 3-Way Matching<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Reason<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Matching is either too rigid (exact match) or too loose; it does not support partial\/quantity tolerance.<\/span><\/li>\n<\/ul>\n<p><b>Consequences<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Due to the high exception rate, the AP team had to handle the issues manually.<\/span><\/li>\n<\/ul>\n<p><b>Solution<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Construction <\/span><b>matching engine<\/b><span style=\"font-weight: 400;\"> with: price tolerance, partial-PO logic, rules for freight\/discounts.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Combine AI to predict the reasons for exceptions and suggest actions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">KPI: Reduce exception rate to &lt;10%.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"6_Rui_ro_phap_ly_tuan_thu_neu_du_lieu_sai_ND123ND70\"><\/span><b>6) Legal\/compliance risks if data is incorrect (Decree 123\/Decree 70)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Reason<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The invoice was not validated according to regulations and lacked an audit trail.<\/span><\/li>\n<\/ul>\n<p><b>Consequences<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Penalties, tax exposure risks, audit failure.<\/span><\/li>\n<\/ul>\n<p><b>Solution<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Integrate validation checks according to Decree 123\/Decree 70 into the validation pipeline.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Save audit trail immutable (log + file hash).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Periodic compliance check &amp; reporting.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Bizzi_Bot_%E2%80%93_Nen_tang_tao_ra_Touchless_Invoice_la_gi\"><\/span><b>What is Bizzi Bot \u2013 the platform for creating touchless invoices?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Bizzi Bot = IDP + AI + 3WM + Workflow + ERP Integration + Payment Automation, thereby creating a truly touchless invoice process, not just &quot;OCR + submit for approval&quot;.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_AI_OCR_nang_cao\"><\/span><b>1. Advanced AI + OCR<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accurately extract Vietnamese invoices with hundreds of complex templates (PDF, images, software exports).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AI can automatically detect errors, anomalies, and risky tax invoices.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Validation verification according to Decree 123\/ND70, real-time alert.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"2_Tu_dong_3-Way_Matching_PO_%E2%80%93_GRN_%E2%80%93_Invoice\"><\/span><b>2. Automatic 3-Way Matching (PO \u2013 GRN \u2013 Invoice)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Match unit price \u2013 quantity \u2013 value in real time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Supports partial delivery, tolerance, and multiple line items.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This is a major difference compared to basic AP Automation solutions (which only offer OCR and workflow).<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_999979488\" aria-describedby=\"caption-attachment-999979488\" style=\"width: 1024px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-999979488 size-full\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/touchless-invoice-la-gi-2.png\" alt=\"What is touchless-invoice 2\" width=\"1024\" height=\"617\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/touchless-invoice-la-gi-2.png 1024w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/touchless-invoice-la-gi-2-300x181.png 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/touchless-invoice-la-gi-2-768x463.png 768w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/touchless-invoice-la-gi-2-18x12.png 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption id=\"caption-attachment-999979488\" class=\"wp-caption-text\">Bizzi supports intelligent 3D matching with greater accuracy than the 99%.<\/figcaption><\/figure>\n<h3><span class=\"ez-toc-section\" id=\"3_Workflow_duyet_theo_RBACABAC_linh_hoat\"><\/span><b>3. Flexible workflow browsing via RBAC\/ABAC<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Automatically submits applications for approval to the right people, with the right permissions and within the correct limits.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">According to the approval limit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">According to the cost center<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">By department<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">By document\/expense type<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"> No more manual emails, no more approval delays.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"4_Tich_hop_ERP_hai_chieu\"><\/span><b>4. <a href=\"https:\/\/bizzi.vn\/tich-hop-erp\/\">Two-way ERP integration<\/a><\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bizzi supports deep integration and real-time synchronization with most popular ERP systems:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">SAP<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Oracle<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Odoo<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Bravo<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">MISA<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">FAST<\/li>\n<\/ul>\n<figure id=\"attachment_999979440\" aria-describedby=\"caption-attachment-999979440\" style=\"width: 1024px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-999979440 size-full\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/tich-hop-erp-va-hoa-don-dien-tu-8.png\" alt=\"What is touchless-invoice?\" width=\"1024\" height=\"1024\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/tich-hop-erp-va-hoa-don-dien-tu-8.png 1024w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/tich-hop-erp-va-hoa-don-dien-tu-8-300x300.png 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/tich-hop-erp-va-hoa-don-dien-tu-8-150x150.png 150w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/tich-hop-erp-va-hoa-don-dien-tu-8-768x768.png 768w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/12\/tich-hop-erp-va-hoa-don-dien-tu-8-12x12.png 12w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption id=\"caption-attachment-999979440\" class=\"wp-caption-text\">Bizzi&#039;s Accounts Payable Automation platform is flexible and easily configurable to fit your existing accounting and purchasing processes.<\/figcaption><\/figure>\n<h3><span class=\"ez-toc-section\" id=\"5_Touchless_Payment_%E2%80%93_Tu_dong_hoa_toan_bo_Invoice-to-Pay\"><\/span><b>5. Touchless Payment \u2013 Automate the entire Invoice-to-Pay process.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic <\/span><b>Create a payment request<\/b><span style=\"font-weight: 400;\"> (Personnel Request)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submit for review via workflow.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic <\/span><b>payment reconciliation<\/b><span style=\"font-weight: 400;\"> with bank statement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get real-time updates on PAID\/UNPAID status.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"FAQ_ve_hinh_thuc_thanh_toan_khong_tiep_xuc_Contactless\"><\/span><b>FAQ about contactless payments<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Here are some frequently asked questions about Contactless Payments.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thanh_toan_contactless_co_an_toan_khong\"><\/span><b>Are contactless payments safe?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. Contactless systems use encryption and tokenization technology, so your card\/phone data is not transmitted directly through the scanner. Additionally, each transaction generates a unique, one-time code that hackers cannot reuse. The scanning distance is very short (a few centimeters), reducing the risk of eavesdropping.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thanh_toan_contactless_co_can_nhap_PIN_khong\"><\/span><b>Do contactless payments require a PIN?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A PIN is usually not required for small transactions (depending on the bank\/issuer). For larger transactions, the POS system may require a PIN or signature for additional authentication.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Contactless_khac_gi_so_voi_QR\"><\/span><b>What is the difference between contactless and QR codes?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table style=\"border-color: #000000; border-style: solid;\">\n<tbody>\n<tr>\n<td><b>Criteria<\/b><\/td>\n<td><b>Contactless (NFC)<\/b><\/td>\n<td><b>QR payment<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Use<\/span><\/td>\n<td>Tap\/bring your card or phone near the POS terminal.<\/td>\n<td>Scan the code using the app.<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Speed<\/span><\/td>\n<td>Very fast (1\u20132 seconds)<\/td>\n<td>Fast but slower (open app \u2192 scan)<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Internet<\/span><\/td>\n<td>No need<\/td>\n<td>Internet access is required to make payments (depending on your wallet\/card).<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Device<\/span><\/td>\n<td>A POS system with NFC is required.<\/td>\n<td>Just use the QR code (cheaper for the shop).<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Security<\/span><\/td>\n<td>Very high thanks to tokenization<\/td>\n<td>App dependency &amp; QR code security<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Mat_dien_thoai_co_bi_mat_tien_khong\"><\/span><b>If I lose my phone, will I lose my money?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No. Malicious actors cannot use it for payments without unlocking the device. Apple Pay, Google Wallet, Samsung Pay\u2026 all require Face ID\/Touch ID\/PIN before processing payments. <\/span><span style=\"font-weight: 400;\">Additionally, you can immediately block any transaction if:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Remote device lock\/loss (Find My iPhone \/ Find My Device)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Block or suspend your card via the banking app.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Ket_luan_Thanh_toan_khong_tiep_xuc_Touchless_Invoice_%E2%80%93_Doanh_nghiep_nen_bat_dau_tu_dau\"><\/span><b>Conclusion: Contactless Payments &amp; Touchless Invoices \u2013 Where Should Businesses Start?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While contactless payment is booming in the retail sector, businesses still prioritize back-office automation, particularly in the Accounts Payable (AP) process. Think of touchless invoices as the foundation, and contactless payments as an extension.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Businesses should start with:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Automate invoice input using OCR and IDP to eliminate manual data entry.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Standardize the approval process to shorten processing time.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Integrate ERP, eInvoice, and Payment systems to achieve a seamless, touchless workflow.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Once the back-office platform is running smoothly, then expand to contactless payment at the point of sale.<\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Bizzi is a platform that helps businesses implement <\/span><b>Touchless Invoice<\/b><span style=\"font-weight: 400;\"> a quick and systematic way thanks to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">The IDP + OCR unit accurately reads invoice data.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Connect ERP, eInvoice, and Payment systems according to standards, even for older ERP systems without APIs.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Standardize approval processes and ensure internal controls.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Reduce invoice processing time by up to 80% and drastically reduce manual errors.<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\ud83d\udc49 Hopefully, Bizzi&#039;s article above has provided managers with some useful information about the concept of contactless payment and helped them understand the nature of touchless invoices. If your business wants to start the &quot;contactless&quot; journey from <\/span><b>AP \u2192 ERP \u2192 Payment<\/b><span style=\"font-weight: 400;\">Bizzi is a suitable choice for immediate deployment without requiring changes to the core system.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Contactless payment and touchless invoicing are not just a trend, but\u2026<\/p>","protected":false},"author":56,"featured_media":999979487,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[85,367,372],"tags":[],"class_list":["post-999979479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kiem-soat","category-quy-trinh-phai-tra","category-thanh-toan"],"acf":[],"_links":{"self":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts\/999979479","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\/56"}],"replies":[{"embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/comments?post=999979479"}],"version-history":[{"count":4,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts\/999979479\/revisions"}],"predecessor-version":[{"id":999979497,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts\/999979479\/revisions\/999979497"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/media\/999979487"}],"wp:attachment":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/media?parent=999979479"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/categories?post=999979479"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/tags?post=999979479"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}