VietQR scanning
Static and dynamic codes, decoded to the EMVCo spec on the phone itself. No API call to anybody, and no camera frame sent anywhere.
Scan. Pay. Saved.
You already scan a QR code to pay. PayNote writes the expense while you do it.
Point the camera at the VietQR code on the counter and your own banking app opens with the account and the amount already filled in. Transfer as usual, come back, tap once — and the expense is in your book with the right date, payee and amount. Nothing to retype, nothing to remember and enter tonight.
Coming soon toApp StoreGet it onGoogle Play
- No account
- Works offline
- No ads
In12,500,000 ₫
Out8,320,000 ₫
Left4,180,000 ₫
Scan QR& pay−Log expense+Log incomeHistory
Recent transactionsSee all
- Corner CoffeeFood · today 08:15−65,000 ₫
- MinimartShopping · yesterday 19:20−120,000 ₫
- Ride homeTransport · 02/08 17:45−85,000 ₫
- SalaryIncome · 01/08 08:00+12,500,000 ₫
HomeStatsBudgetMore
65,000 ₫×
1234567890000⌫
Pick a category
🍜Food☕Coffee🚕Transport🛒Groceries💡Bills🛍️Shopping
Corner Coffee×
Save expense
The core flow
Four steps, and the third one is yours
PayNote has no server, so nothing can report back that your transfer went through. The app writes a pending entry before it hands over to the bank, and you are the one who closes it.
Scan the VietQR code
The printed code at the counter with no amount attached, or a dynamic one with the amount already set — both are read. Proper EMVCo decoding: account number, receiving bank, amount, transfer message.
Your banking app opens
PayNote builds a VietQR deeplink and hands it to the operating system. Five banking apps accept the details prefilled; for the rest the app opens and PayNote has already copied the account number for you to paste.
You confirm you paid
Come back to PayNote and tap once. The entry goes from pending to complete — nobody but you can know that for certain, and PayNote does not pretend otherwise.
The expense is in the book
Right date, right payee, right amount, already filed under a category picked from the payee name. Not a single character retyped.
This whole flow is free and uncapped, in Basic as well as in PRO.
Numbers
Four figures you can check
- 65
- Vietnamese banks recognised by BIN
- 5
- banking apps that accept prefilled transfer details
- ~55
- packaged categorisation rules, and no AI
- 0
- bytes of your data sent off the phone
The second figure is a low one, and it is here because it is true. VietQR opens autofill to five apps; the other 28 can only be opened.
Features
An expense book that stays simple
Enough to see where the month went, and it stops well before turning into accounting software.
Knows 65 banks
The bank directory ships inside the install and is looked up by BIN, so you see the real name of who you are about to pay before you pay them.
Categories from readable rules
About 55 glob rules covering the payee strings people actually see in Vietnam. Readable, editable, and not a guess — PRO also learns from the times you correct one.
Budgets and limits
A limit for the month and a limit per category, with a warning before you go over. Free in full, per-category limits included.
Runs offline
No sign-up, no login, no server holding your book. In a basement car park with no signal it records exactly as it does anywhere else.
The data is yours
CSV export that opens in Excel, free. PRO's encrypted backup uses the same format as the iOS build, so a move between the two platforms restores the whole book.
Four things worth knowing before you install
These are the app's real limits. Knowing them now costs nothing; finding them out at the counter with your phone in your hand costs something.
- Only five banking apps prefillMB, VietinBank, BIDV, ACB and OCB. For the other 28, PayNote opens the app but you still paste the account number — which it has already copied for you.
- PayNote cannot tell whether you paidWith no server there is no reliable way to know. You tap to confirm, and until you do the expense sits in a pending state.
- The book lives on exactly one phoneThat is why nobody else can read it, and also why losing the phone loses the book if you have not exported a backup. There is no server copy for us to restore.
- PayNote does not move moneyYour banking app does. PayNote never sits in the middle, never sees your balance, is not a wallet and never holds a single dong of yours.
Pricing
One payment, yours forever
No ads in either plan. Scan → pay → logged is free and uncapped, because locking it would leave a Basic user with no idea what makes PayNote different from any other expense book.
Basic
Freeno ads
A complete expense book, not a trial.
- VietQR scanning, deeplinks for 65 banks, confirm and save
- Unlimited transactions
- Categories, history, daily and monthly statistics
- Budgets, per-category limits included
- ~55 packaged categorisation rules
- CSV export
- 2 wallets
- Unlimited wallets
- Advanced reports
- Encrypted backup
- Learned categorisation
PayNote PRO
79,000 ₫one payment · yours forever
Not a subscription; nothing auto-renews. A 7-day trial is included, no card required.
- Everything in Basic
- Unlimited wallets — cash and each bank keep their own balance
- Month-on-month and six-month trend reports
- Encrypted backup and full restore
- Categorisation that learns the shops you visit
Buying on Android and buying on iOS are two separate purchases: there is no account to join Google's and Apple's stores together, and we would rather say so here than bury it in the terms.
FAQ
Questions people ask
Does it need a connection?
Not to keep the book. A connection is used when the operating system opens your banking app, and when Google Play or the App Store answers about PRO. The book itself is fully offline.
Does PayNote read my SMS or bank notifications?
No, and it deliberately does not ask for those permissions. It asks for the camera to read QR codes, and refusing that still leaves manual entry. It never asks for SMS, notifications, contacts, location or your photo library.
Why do I have to confirm the payment myself?
Because there is no server in the middle to learn that the transfer succeeded. The app writes a pending entry before opening your banking app, and one tap on your return completes it. The alternative is inventing a state the app has no basis to claim.
Does my book survive a new phone?
Yes, if you have exported a backup — a PRO feature. The file is encrypted and shares one format with the iOS build, so an Android-to-iPhone move restores it. There is no server copy, so losing the phone before a backup loses the book.
Is PRO an annual charge?
No. PRO is a one-time purchase, yours forever. Charging yearly for an app with no server, no sync and no AI would contradict itself — and everyone who has already bought keeps their access through every later price rise.
Are there ads?
None, in the free version and the paid one alike. An ad SDK needs a network and a device identifier, which is exactly what the whole architecture exists to avoid.
Get the app
Log the next code you scan
Usable the moment it installs: no sign-up, no login, no screen asking for your email.
Coming soon toApp StoreGet it onGoogle Play