Question 1

Which QR codes can I scan?

Accepted Answer

In Vietnam, Lumi supports QR payments for foreign visitors through eligible VietQR codes and QR codes from supported Vietnamese banks or wallets. Not all QR codes are compatible, as Lumi is designed for foreign users paying local merchants.

Question 2

Why does the amount sometimes fill in automatically?

Accepted Answer

Some QR codes include the amount (common at checkouts and on bills), so Lumi fills it in. Printed QR codes on stands usually don't, so you type the amount yourself. Always check it before confirming.

Question 3

Can I pay a street vendor or market stall?

Accepted Answer

Yes, you can pay at street vendors, market stalls and small shops in Vietnam, provided they display a supported QR code. Personal and individual bank QR codes are also supported in Vietnam.

Question 4

The cashier wants to scan my phone. Can I pay that way?

Accepted Answer

Not yet. Lumi works by you scanning the merchant's QR code. If the shop only scans customers' codes, ask if they have a QR you can scan, or use another payment method.

Question 5

Can I pay online or in apps like Grab?

Accepted Answer

Lumi is built for paying merchant QR codes in person. If a website or app shows a supported QR at checkout, you can scan it from another screen.

Question 6

Can I pay bills or utility QR codes?

Accepted Answer

Hotel and restaurant payments can be made using supported merchant QR codes. Utility bills and other biller QR codes may not be supported. Please contact us if you're unsure whether a QR code is compatible with Lumi.

Question 7

Can I pay a taxi or motorbike driver?

Accepted Answer

Yes, if the driver shows a supported QR code. Many drivers in Vietnam have a bank QR on a card or their phone.

Question 8

How do I show the merchant that I've paid?

Accepted Answer

After payment you'll see a confirmation screen with the amount, merchant and time. Show it to the merchant; their app also shows the payment arrive. Every receipt stays in your transaction history.

Question 9

Can I split a bill or pay a friend?

Accepted Answer

Lumi doesn't have friend-to-friend transfers. If your friend has a local bank business or personal QR in a supported country, you can scan and pay it like a merchant.

Question 10

Can I receive money into Lumi?

Accepted Answer

No. Lumi is for paying, not receiving. Your balance can only be topped up from your own euro bank account.

Question 11

Can I tip with Lumi?

Accepted Answer

Yes. Just include the tip in the amount you enter when you scan the QR code.

Question 12

Can I cancel a payment after confirming it?

Accepted Answer

No. QR payments go straight to the merchant's account and can't be cancelled once confirmed. Always check the amount and merchant name before you confirm.

Question 13

How do I pay with Lumi?

Accepted Answer

Simply open the app, scan the merchant's QR code, enter the amount if required, and confirm the payment using your secure mPIN or biometric authentication.

Question 14

Do I need to convert currency before paying?

Accepted Answer

No. Lumi automatically converts your payment into the local currency in real time, so you can pay seamlessly without any manual conversion.

Question 15

How long do payments take?

Accepted Answer

Payments are processed in seconds once confirmed, provided you have an active internet connection. You and the merchant receive the payment confirmation in real time.

Question 16

Can I see my transaction history?

Accepted Answer

Yes. All your payments and transactions are available immediately in the app, so you can track your spending anytime.

Question 17

Does Lumi work in Thailand?

Accepted Answer

Not yet. Thailand is coming soon. Sign up for updates and we'll tell you when it's live.

Question 18

Does Lumi work in Indonesia or Bali?

Accepted Answer

Not yet. Indonesia is coming soon. Sign up for updates and we'll tell you when it's live.

Question 19

Which other countries are planned?

Accepted Answer

After Thailand and Indonesia, the roadmap includes Malaysia, Cambodia, the Philippines, Laos, South Korea, Taiwan and Mongolia. We'll announce each one when it goes live.

Question 20

How do I know if a shop accepts Lumi?

Accepted Answer

If the shop displays a VietQR code, or a QR from a Vietnamese bank at the till, you can usually pay with Lumi. Shops don't need to sign up to anything.

Question 21

Can I use Lumi in Europe or at home?

Accepted Answer

No. Lumi is for paying QR codes in supported Southeast Asian countries.

Question 22

I'm going to a country Lumi doesn't support yet. Can I still use it?

Accepted Answer

Your balance stays safe in your account, but you can't pay QR codes there yet. Use a card or cash in those countries and pay with Lumi again once you're back in Vietnam.

Question 23

Can I request a new country?

Accepted Answer

Yes. Tell us in the in-app chat or at support@lumifin.io. Requests help us decide where to launch next.

Question 24

Which countries can I pay in with Lumi?

Accepted Answer

Lumi is launching in Vietnam, where you can pay any VietQR code — street stalls, cafés, markets and shops. Thailand (PromptPay) and Indonesia (QRIS) are next, with more of Southeast Asia to follow.

Question 25

Can tourists use Wise to scan PromptPay QR codes in Thailand?

Accepted Answer

As of May 2026, Wise's Thai entity offers PromptPay scan-and-pay — but only for customers resident in Thailand, not for EU travellers using their home account. So for a European visitor on a trip, this doesn't help. Lumi is built specifically for EU-resident travellers: top up from your European bank account and scan PromptPay, VietQR or QRIS wherever you go.

Paying and where Lumi works

Still stuck?