When creating a transfer from an Airwallex Vietnam account opened with the Airwallex Vietnam entity (i.e. CTIN PAY Co., Ltd), you may need to complete an additional authentication step to help protect your account and meet Vietnam’s online transfer requirements.
Who this applies to
Transfer authentication applies to both local VND payouts and overseas payouts funded from your VND balance, whether they are immediate or scheduled.
What you need before you start
Make sure that:
- If you are approving or authenticating the transfer, you are an eligible account owner who has completed the required identity verification.
- Your registered phone number is available to receive verification messages when required.
- You have the latest Airwallex mobile app installed on a trusted device.
- Biometrics are enabled on your device if Airwallex asks you to complete biometric authentication.
- Your mobile device can receive Airwallex notifications when in-app authentication is required.
You can check the status of your authentication setup in Settings >> User Settings >> Password and Authentication:
If you haven’t set up verifications yet, you’ll be prompted to do so when creating a transfer.
What to expect
The authentication method can vary between transfers. It may depend on factors such as your account profile, the beneficiary, the transfer amount, and your recent transfer activity.
Depending on the transfer, you may be asked to complete one or more of the following:
- SMS one-time password (OTP)
- An OTP from your Airwallex mobile app
- Biometric authentication
- A combination of authentication methods
You do not need to work out which method applies. Airwallex will show the required step during the transfer flow.
How to authenticate a transfer
- Create the transfer in the Airwallex web app.
- Enter or confirm the beneficiary, amount, currency, and other transfer details.
- Continue to the final step of transfer creation.
- Complete the authentication method shown to you. This may involve using the Airwallex mobile app.
- Return to the web app and submit the transfer, or complete any remaining approval steps.
A transfer is not submitted for processing until the required authentication has been completed successfully.
Approval workflows
If your organisation uses transfer approvals, the person who approves the transfer may need to complete the authentication step during approval.
For Vietnam accounts, a non-owner can submit a transfer when an approval workflow is configured. An eligible account owner who has completed the required identity verification must approve and authenticate it before it can proceed.
[Screenshot placeholder: Transfer approval screen showing where the approver completes authentication]
Scheduled transfers
Scheduled transfers are authenticated when the transfer is created or approved. You do not normally authenticate again when the scheduled transfer is due to execute.
If authentication fails or is unavailable
If you cannot complete the required authentication, the transfer will not be submitted or may remain pending.
Try the following:
- Check that you are using the latest Airwallex mobile app.
- Confirm that you are signed in to the correct Airwallex account.
- Make sure notifications are enabled and your device has an internet connection.
- Check that your registered phone number can receive SMS messages.
- If biometric authentication is requested, make sure biometrics are enabled on your trusted device.
- Follow any instructions shown in the app to reactivate or verify your device.
Do not share OTPs or authentication codes with anyone, including Airwallex support.
Frequently asked questions
Will every transfer require the same authentication method?
The required method can vary by transfer. The Airwallex Vietnam entity evaluates the transfer automatically and shows you the applicable authentication step.
Do I need to authenticate local and overseas transfers?
You may need to authenticate both local VND payouts and overseas payouts.
Can a non-owner submit or authenticate a transfer?
A non-owner can submit a transfer for approval. An eligible account owner who has completed the required identity verification must approve and authenticate it before it can proceed.
When do I authenticate a transfer that needs approval?
The approver may need to authenticate the transfer during the approval step. The transfer cannot proceed until the required approval and authentication steps are complete.
Why was I asked to authenticate again for another transfer?
Authentication requirements are assessed for each transfer. A different beneficiary, amount, account profile, or recent transfer activity may result in a different authentication step.
Is transfer authentication available on mobile?
Create, submit, and approve transfers in the web app. If prompted, use your phone or the Airwallex mobile app for OTP or biometric authentication, then return to the web app to finish.