Casso Company
Casso Company is a Vietnamese fintech that provides Open Banking API infrastructure connecting Vietnamese businesses to 30+ banks for real-time transaction sync, automated reconciliation, payment confirmation, and e-invoicing. It serves large enterprises, SMBs, startups, and individual business owners across verticals including retail, residential management, booking, education, and gaming via payOS, Casso Flow, X Invoice, and X Bank.
- Company typePrivate
- Founded2020
- HeadquartersHo Chi Minh City, Vietnam
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Casso Company does
Casso Company (Công ty TNHH Casso) is a Vietnamese fintech founded as Ketoan.app in July 2018, rebranded to Casso in April 2020, and headquartered in Ho Chi Minh City's Software Technology Park. The company builds Open Banking API infrastructure that connects Vietnamese businesses to 30+ banks — including VietinBank, OCB, MB Bank, ACB, BIDV, KienlongBank, ShinhanBank, VPBank, and PVcomBank — for real-time transaction synchronization, automated reconciliation, virtual account management, and multi-channel notifications (Telegram, Slack, Discord, Microsoft Teams, Zalo OA, Google Sheets). Casso monetizes through subscription tiers for Casso Flow (annual Pioneer/Sponsor/Standard packages), free payment gateway processing via payOS built on VietQR Pro, virtual account services, and free lifetime e-invoicing via X Invoice, with bank-sponsored freemium tiers as the primary acquisition vehicle.
Casso's product surface spans Casso Flow (financial process automation), Casso Table (multi-bank financial reporting, Beta), Casso Xpense (expense and budget management, Beta), X Bank (white-label digital bank enabling businesses to operate as a digital bank powered by AI assistants), payOS (payment gateway with auto payment confirmation), X Invoice (free electronic invoicing), Cas/bankHub (financial data connection infrastructure), CASSO POS (point-of-sale hardware/software), and Cas ID (data subject consent wallet). It serves large enterprises, SMBs, startups, and individual business owners (Hộ Kinh Doanh) across verticals including electronics retail, residential/apartment management, booking, publishing, restaurant POS, education, and gaming — with named customers Comicola, Memoryzone, AirCity, Tân Phi Vân, iPOS, UBGROUP, Trần Vũ Group, and GOSU.
The company operates an API-first, product-led growth motion with self-serve onboarding via casso.vn, dedicated product portals (flow.casso.vn, payos.vn, xpense.casso.vn, table.casso.vn), a developer portal (developer.casso.vn), and bank co-marketing channels. It holds ISO/IEC 27001:2022 certification (Aug 2024) and Science and Technology Enterprise recognition from the Ho Chi Minh City Department of Science and Technology (Jul 2025), runs on Google Cloud Platform, and is incubated at the High-Tech Enterprise Incubator (SHTP-IC). Reported scale is 1,000+ customers, 500+ integrated websites, and 90% satisfaction, against a headcount of 11–50 employees.
Casso Company firmographics
Firmographics- Name
- Casso Company
- Legal name
- Công ty TNHH Casso
- Website
- https://casso.vn
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Casso Company is a Vietnamese fintech that provides Open Banking API infrastructure connecting Vietnamese businesses to 30+ banks for real-time transaction sync, automated reconciliation, payment confirmation, and e-invoicing. It serves large enterprises, SMBs, startups, and individual business owners across verticals including retail, residential management, booking, education, and gaming via payOS, Casso Flow, X Invoice, and X Bank.
- Ownership category
- akta.pro rank
Casso Company industry classification
Industry- Product category
- Financial Management Software
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Finance Services (6199)
- akta.pro primary industry
- Recurring Payments & Variable Recurring Payments (VRP) Enablement (FSAGACAJ)
- akta.pro secondary industry
- A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)
Keywords
Where Casso Company is headquartered
LocationHeadquarters
- HQ city
- Ho Chi Minh City
- HQ country
- Vietnam
- HQ region
- Asia
Offices1 record
Markets served
Casso Company business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Casso Flow Subscription: Casso Flow operates on annual subscription tiers with different pricing based on bank connectivity options. The Pioneer tier offers 360 free transactions per year for official API-connected banks at reduced costs. The Sponsor tier provides unlimited free transactions when users commit to partner banks. Standard tier offers flexibility with any bank at standard pricing.
- Transaction Processing (payOS): payOS payment gateway charges minimal or no transaction fees compared to traditional payment gateways, with the company claiming 99% cost reduction. Revenue comes from transaction volume processed through the platform.
- Virtual Account Services: Virtual account services for businesses enabling better receivables management and payment reconciliation, offered as part of the Casso Flow subscription or as add-on services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Annual | Sponsor tier - Free unlimited transactions with partner banks |
| Subscription | Annual | Pioneer tier - 360 free transactions/year for official API banks |
| Subscription | Annual | Standard tier - Flexible pricing with any bank |
| Freemium | Pay-as-you-go | payOS - Free payment gateway |
| Freemium | Pay-as-you-go | X Invoice - Free electronic invoice |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Casso Company product offering
Product offeringCore offering
Casso provides an Open Banking infrastructure platform for Vietnamese businesses, connecting to 30+ banks for real-time transaction synchronization, payment processing, and financial data aggregation. The product ecosystem includes the payOS payment gateway, Casso Flow cash-flow automation, Casso Xpense expense management, Casso Table financial reporting, and X Invoice electronic invoicing. Additional offerings include X Bank white-label digital banking solution, Cas financial data connection infrastructure, and Cas ID, a personal data wallet.
Differentiator
Problem solved
Functional benefit
Brands
- payOS: A comprehensive payment gateway for digital businesses, enabling direct payment through personal bank accounts with quick integration, high security, and bank-standard authentication.
- Casso Flow
- Casso Table
- Casso Xpense
- X Invoice
- X Bank
- Cas (formerly bankHub)
- CASSO POS
Products and services
- payOS Payment gateway and payment operating system for Vietnamese businesses. Free for verified businesses with bank sponsors covering transaction fees, offering up to 99% cost reduction versus traditional gateways. Supports VietQR, Virtual Account, and Card payments.
- Casso Flow Cash flow automation platform that syncs bank transactions across 30+ Vietnamese banks for automated reconciliation, expense tracking, and cash management. Includes AI Financial Assistants and workflow automation features for businesses and accounting firms.
- Casso Table Financial reporting and dashboarding platform in beta, providing visual analytics and reporting tools for Vietnamese businesses' financial data.
- Casso Xpense Expense management platform in beta, offering automated expense tracking, receipt management, and approval workflows for Vietnamese businesses.
- X Invoice Free electronic invoicing solution for businesses with bank accounts, providing automated invoice generation, delivery, and management compliant with Vietnamese tax regulations.
- X Bank White-label digital banking solution enabling businesses to offer branded banking experiences to their customers, leveraging Casso's Open Banking infrastructure and VietQR Pro technology.
- Cas Financial data connection infrastructure (formerly bankHub) that aggregates bank account data, transactions, and balances for businesses and developers through Open Banking APIs covering 30+ Vietnamese banks.
- Cas ID Personal data wallet that allows users to manage and control their financial data sharing permissions across connected services, enabling secure consent-based data sharing.
Quantifiable outcome
- Reduces payment gateway costs by 99% compared to traditional payment methods
- +2 more outcomes
Companies that use Casso Company
Customer profileNamed customers8 records
Segments7 records
Ideal customer profiles4 records
Casso Company technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration17 records
AI capability3 records
Feature9 records
Casso Company partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- GOSUcorepayOS (by Casso) signed formal partnership with GOSU - Top 5 game publisher in Vietnam. The partnership enables automatic game credit top-up through direct bank transfers without payment intermediaries. GOSU operates popular games including Cửu Âm Chân Kinh and Cửu Dương Truyền Kỳ across 10+ Asian countries.
- ACB (Asia Commercial Joint Stock Bank)coreOfficial partnership with ACB connecting through BDSD API for instant balance notifications. ACB is one of Vietnam's leading commercial banks with network across 49 provinces. The partnership enables businesses to manage corporate accounts with real-time transaction synchronization.
- BIDVcoreBIDV implemented collection service through BIDV VA Billing (Virtual Account) based on Open API technology. From August-December 2024, the first 100 business customers registering for BIDV collection service through Casso Flow received 12 months free collection service, free account management, and other benefits.
- MB BankcoreMB Bank (Military Commercial Joint Stock Bank) partnership with Casso. MB Bank was established in 1994 and has grown to become a diversified financial group. The partnership enables Casso users to connect MBBank accounts through official API for real-time transaction updates.
- OCB (Orient Commercial Joint Stock Bank)coreCasso and OCB established official Open Banking partnership. OCB provides official API access for Casso to connect business and personal accounts for real-time transaction synchronization. OCB also offers promotional incentives including up to 400,000 VND cashback for customers linking OCB accounts to Casso Flow.
- VietinBankcoreCasso's first major Open Banking partnership in Vietnam. VietinBank and Casso successfully implemented webhook balance notification service through system connection - the first time in Vietnamese banking history that personal bank account users had a solution to receive balance change notifications through webhook system connection. This partnership opened the door for Open Banking in Vietnam.
- ShinhanBankcoreShinhanBank partnership enabling connection of ShinhanBank Biz VA (Virtual Account) for business customers. The partnership was announced in October 2025, marking an important expansion of Casso's bank partner network.
- HaravanminorHaravan e-commerce platform integration with Casso for automatic payment confirmation and order management synchronization.
- SapominorSapo POS and e-commerce platform integration with Casso for payment automation and transaction reconciliation.
Scale indicators5 records
Recent moves6 records
Expansion highlights7 records
Casso Company competitors and assessment
Company assessmentDirect peers
- Salt Edge: Open Banking API aggregator serving banks and fintechs with account data, payment initiation, and reconciliation tooling; comparable in multi-bank API connectivity and financial automation focus.
- Xendit: Southeast Asia payment gateway and financial infrastructure serving Indonesia, Philippines, and Vietnam with API-first bank integrations; comparable in API-first GTM, Open Banking-adjacent rails, and multi-bank connectivity.
- Trusting Social: Vietnam- and Southeast Asia-focused fintech data platform leveraging alternative data and bank integrations for credit and financial services; comparable as a domestic fintech infrastructure player operating across multiple Vietnamese banks.
- VNPay: Vietnam's dominant payment gateway and QR payment network connecting merchants and banks; competes directly with payOS on merchant payment acceptance and Open Banking connectivity.
- TrueLayer: European Open Banking API platform providing bank account connectivity, payments initiation, and financial data; closely comparable in product surface area (data aggregation + A2A payments) and developer-led GTM.
Broad incumbents
- Plaid: Global Open Banking/data aggregation leader connecting bank accounts to applications; a comparable category leader whose API-first bank connectivity, developer portal, and webhook model mirror Casso's core architecture.
- ZaloPay: Vietnamese payment platform from VNG backed by major banks; offers QR payments, merchant services, and consumer financial products overlapping with payOS and broader Casso functionality.
- MoMo: Vietnam's largest e-wallet and fintech super-app with bank integrations, merchant payments, and financial services; competes with Casso's payOS and broader financial automation suite as a multi-product incumbent.
Regional players
- KiotViet: Leading Vietnamese SMB POS and retail management platform with payment and accounting features; comparable in targeting Vietnamese SMEs with integrated cash flow, payment, and reporting functionality.
- Maso bis (MISA): Major Vietnamese accounting and ERP software vendor (MISA) with invoicing, banking, and SME finance modules; competes in the adjacent accounting/finance automation space that Casso originally targeted under Ketoan.app.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Casso Company social profiles
Digital presenceCasso Company financial estimates
Financial estimateRevenue estimate
Valuation estimate
Casso Company leadership team
Management profileNumber of profiles
Profiles2 records
Casso Company funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Casso Company M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Casso Company
What does Casso Company do?
Casso provides an Open Banking infrastructure platform for Vietnamese businesses, connecting to 30+ banks for real-time transaction synchronization, payment processing, and financial data aggregation. The product ecosystem includes the payOS payment gateway, Casso Flow cash-flow automation, Casso Xpense expense management, Casso Table financial reporting, and X Invoice electronic invoicing. Additional offerings include X Bank white-label digital banking solution, Cas financial data connection infrastructure, and Cas ID, a personal data wallet.
Is Casso Company a public or private company?
Casso Company is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Casso Company founded?
Casso Company was founded in 2020. It employs 11 to 50 people.
Where is Casso Company based?
Casso Company is headquartered in Ho Chi Minh City, Vietnam, in the Asia region.
How does Casso Company make money?
Three revenue lines are on record. Casso Flow Subscription is the primary driver. The others are transaction Processing (payOS) and virtual Account Services.
Who are Casso Company's main competitors?
Direct peers on record are Salt Edge, Xendit, Trusting Social, VNPay and TrueLayer. Broad incumbents are Plaid, ZaloPay and MoMo. Regional players are KiotViet and Maso bis (MISA).
Does Casso Company have an API?
Yes. Casso offers a REST API (v2) enabling developers to integrate banking transaction data, webhooks, and account management into applications. API supports authentication via API Key (no expiry) and OAuth 2.0 access tokens. Key endpoints include: user info retrieval, webhook setup, bank transaction fetching, and real-time transaction sync. Webhook V2 supports real-time transaction notifications with digital signature verification. SDK samples available in PHP, Java, JavaScript, Python, C#, and Golang. Developer documentation is at developer.casso.vn/casso-api/api.
What industry is Casso Company in?
Casso Company's product category is Financial Management Software. Its primary akta.pro industry code is FSAGACAJ, Recurring Payments & Variable Recurring Payments (VRP) Enablement, with a secondary code of FSAMAFAF, A2A Checkout & Merchant Acceptance Solutions. Its NAICS code is 518210 and its SIC code is 7370.