Open Banking Integration Flow

The Easy Cash Direct Debit (Open Banking) process consists of three stages: Authentication → Account Enrollment → Payment.

End-to-End Flow

Step 1: ARS Account Ownership Verification

Verify account ownership via ARS phone authentication and obtain the transaction reference number (trdNo).

ARS Authentication API Documentation

ARS Authentication Request

Initiate ARS automated response authentication

ARS Authentication Confirmation

Retrieve ARS authentication result and obtain trdNo

Step 2: Account Enrollment (for Open Banking)

Use the trdNo obtained from ARS authentication to enroll the account. A single API call registers both firm banking and Open Banking simultaneously.

Account Management API Documentation

Account Enrollment (for Open Banking)

Simultaneous firm banking + Open Banking enrollment using ARS trdNo

Open Banking Account Enrollment

Add Open Banking for existing firm banking customers

Open Banking Service Withdrawal

Withdraw from the enrolled Open Banking service

Step 3: Payment (for Open Banking)

Execute payment using the enrolled account. Funds are transferred from the customer's account to the merchant's Open Banking master account.

Transfer Service API Documentation

Payment (for Open Banking)

Open Banking direct debit payment authorization

Void / Refund

Payment void and refund processing

Remittance

Merchant → customer account fund transfer

Full API List

The complete list of APIs provided by Easy Cash Direct Debit (Open Banking). All APIs use the POST method.

Account Management (2 APIs)

Transfer Services (3 APIs)

Fund Return Claims (2 APIs)

Inquiry Services (3 APIs)

Account Administration (1 API)

Request/Response Basic Structure

All API requests and responses use JSON format.

Request Example

{
  "hdInfo": "SPAY_RP0W_1.0",
  "mchtId": "Merchant ID",
  "mchtTrdNo": "ORDER20240101100000",
  "reqDt": "20240101",
  "reqTm": "100000",
  "mchtCustId": "AES-encrypted customer ID",
  "trdAmt": "AES-encrypted payment amount",
  "pktHash": "SHA256 hash value"
}

Success/Failure Determination

Parameter validation failure response example

{
  "outStatCd": "0031",
  "outRsltCd": "ST09",
  "outRsltMsg": "Invalid request message"
}

Next Steps

Feature-specific documentation

Account Management

Account enrollment, Open Banking enrollment, service withdrawal

Payment / Remittance

Payment authorization, void/refund, remittance

Fund Return Claim

Fund return claim request and status check

Inquiry Services

Transaction result, transaction history, account list inquiry

Need technical support?

ezpay@hecto.co.kr

Code Samples

HectoFinancial GitHub