Where to exchange currency and can you pay by card at hotels in Nha Trang (e.g. Vinpearl Resort & Spa)?

At Vinpearl Resort & Spa Nha Trang Bay, card payment terminals are at the reception desk near the pool — specifically on the overnight guest side, not the day-visitor entrance.

The hotel reception has several card terminals available, though not personally tested; unclear how the many Chinese tourists there pay.

Easiest to exchange money right next to the hotel — the rate difference elsewhere is minor, not worth the walk.

Some hotels accept UnionPay cards for on-site payment — if your booking is pay-at-hotel, a UnionPay card should work.

Exchange rates at street booths are mediocre, but if the hotel is in the city center, exchangers are on every corner; card and QR-code payment are accepted almost everywhere.

Large hotels like Panorama typically have card payment terminals; if the booking is pay-at-hotel, there shouldn't be any issues.