Enhancing Transparency & Digital Transformation in Management: Is Your Company Ready for the New Cashless Payment Regulation?

In recent years, the Vietnamese Government has been vigorously pushing for comprehensive digital transformation, including encouraging cashless payments to build a modern, transparent economy and reduce tax fraud. 

Starting 1 July 2025, under Decree 181/2025/ND‑CP guiding the 2024 VAT Law, any invoice for 5 million VND (VAT included) or more without valid non-cash payment proof will no longer qualify for input VAT deduction. At the same time, in case of purchasing goods with a value of less than 5 million VND many times a day, with a total value of 5 million VND or more (VAT included), non-cash payment documents are also required to deduct input VAT. This marks a major step forward in digitalizing the economy, modernizing tax administration, and ensuring transparency in corporate cash flows.

So, are businesses, especially transportation companies and those that own fleets, truly prepared?

1. Government Incentives for a Transparent and Digital Economy 

Digital transformation is not just a trend; it’s a strategic priority for Vietnam. Tightening VAT deduction requirements on non-cash payments is a clear measure to minimize fraud, optimize tax controls, and protect compliant businesses.

Decree 181/2025/ND-CP acts as a catalyst, pushing companies to accelerate digitalization, especially in managing high-frequency, high-value expenditure such as fuel.

Lowering the cashless threshold from 20 million to 5 million VND, and potentially lower in the future, is a clear signal: delay is no longer an option. It’s not only about compliance, but also about seizing the chance to build a modern, efficient, and transparent operation. Companies must reassess their payment processes and prepare proactively for this policy shift.

2. The Pitfalls of Non-Digitalized Fuel Management 

Many businesses with fleets, even dedicated transportation companies, still rely on outdated workflows: drivers receive cash advances, pay out of pocket or via personal mobile banking transfer, and reclaim funds through cumbersome reimbursement procedures. If purchases are made at non-contracted gas stations or without a credit account, e-invoices are easily lost or invalid, leading to disallowed VAT deductions and needless cost increases.

Even some companies with internal fuel tanks require drivers on long routes to send ODO readings and refuel requests to managers/ supervisors for approval and transfers, no matter if it’s on the day or night shift. Moreover, inconsistencies in digital maturity across gas stations force companies to adapt to fragmented systems: some issue manual e-invoices to email; others demand costly integration for e-invoice transmission to the company’s management system. These manual, non-standard processes delay operations, overburden staff, and raise the risk of leakage.

Budget control also suffers. Without centralized, automated data and inter-departmental connectivity, especially across regions and divisions, departments like Logistics/ Operations, and Accounting must manually reconcile, compile reports, and correct errors, wasting time and diminishing operational performance.

3. Dibee – Your Digital Cashless Solution, Helping Businesses Comply with Regulations and Accelerate Digital Transformation

Dibee is a comprehensive fleet payment and management solution supported by an e-wallet licensed by the State Bank of Vietnam, under Decree 52/2024/ND-CP, which replaces Decree 101/2012/ND-CP. 

Accepted forms of e-payment, including e-wallets, payment orders, collection orders, bank cards, and credit cards, etc. are all legitimate non-cash methods authorized by the State for use by businesses. Thus, Dibee delivers full compliance with the new non-cash invoice requirement while digitalizing your entire fuel management workflow.

With Dibee, your business can: 

• Enable drivers to pay cashlessly at affiliated gas stations via the Dibee mobile app. No further advance or reimbursement needed 

• Automatically collect, store, reconcile, search, and download legitimate e-invoices (with correct tax codes and transaction details) 

• Monitor and manage fuel expenses per driver, vehicle, or operational unit (e.g., executive transport vs. cargo fleet, regional distribution units) 

• Reduce manual workload for Logistics and Accounting teams 

In addition, Dibee empowers companies to optimize fuel allowances by setting spending limits for employees, ensuring money is used appropriately, and reducing loss. 

4. Seize the Regulation as a Launchpad for Operational Excellence

The new requirement for non-cash payment evidence may present a challenge, but it also offers an opportunity for businesses to break through. Proactively digitalizing payment and standardizing operational processes not only ensures compliance and reduces costs but also lays a strong foundation for sustainable growth and competitive advantage in the digital era.

Not sure where to start? Let Dibee guide your digital journey. Contact us for a free consultation tailored to your operational needs:

📞 Hotline: (028) 73 03 66 99  

📧 Email: sales@dibee.co