헥토파이낸셜 개발자센터

Payment API

Sends an Open Banking payment request from the merchant server to the Hecto Financial server. Executes a direct debit against an account that has been registered through account enrollment. As a result of this API call, funds are transferred from the customer's account to the merchant's Open Banking master account.

API Information

POST/v2/api/pay/confirm
Content-Typeapplication/json
테스트https://tbnpay.settlebank.co.kr/v2/api/pay/confirm
운영https://npay.settlebank.co.kr/v2/api/pay/confirm

Request Parameters

타입 표기법
N숫자A영문H한글AN영문+숫자AHN영문+한글+숫자
예: AN(10) = 영문+숫자, 최대 10byte
└hdInfoAN(50)Alphanumeric, up to 50 bytes*
Message information code.
*Fixed value
└mchtIdAN(8)Alphanumeric, up to 8 bytes*
Unique Merchant ID assigned by Hecto Financial.
└mchtTrdNoAN(100)Alphanumeric, up to 100 bytes*
Merchant order number.
*No Korean characters
└mchtCustIdAN(100)Alphanumeric, up to 100 bytes*AES-256AES-256/ECB/PKCS5Padding + Base64 (Standard)
Unique customer ID or key provided by the merchant.
└reqDtN(8)Numeric, up to 8 bytes*
Request date.
*yyyyMMdd
└reqTmN(6)Numeric, up to 6 bytes*
Request time.
*HH24MISS
└trdAmtN(13)Numeric, up to 13 bytes*
Transaction amount.
*Amount to debit (transaction amount)
└bankCdN(3)Numeric, up to 3 bytes*
Debit bank code.
*Registered customer's debit bank code
└custAcntKeyAN(50)Alphanumeric, up to 50 bytes
Customer account key.
*Serial number of the registered direct debit account
└splAmtN(13)Numeric, up to 13 bytes
Supply amount.
└vatN(13)Numeric, up to 13 bytes
VAT amount.
└svcAmtN(13)Numeric, up to 13 bytes
Service charge.
└pmtPrdtNmAN(50)Alphanumeric, up to 50 bytes
Product name for the payment.
*Name of the product being purchased
└custAcntSumryAN(7)Alphanumeric, up to 7 bytes
Bank statement description.
*Text that will appear on the customer's bank statement
└csrcIssReqYnA(1)Alphabetic, up to 1 bytes
Cash receipt issuance request.
Y: Issue cash receipt N: Do not issue cash receipt
└csrcIssPsblYnA(1)Alphabetic, up to 1 bytes
Cash receipt issuance eligibility.
Y: Cash receipt issuable transaction N: Cash receipt not issuable transaction
└taxTypeCdA(1)Alphabetic, up to 1 bytes
Tax exemption status.
Y: Tax-exempt N: Taxable
*Required when csrcIssReqYn is Y
└csrcRegPrposYnN(1)Numeric, up to 1 bytes
Usage type.
0: Income deduction 1: Expense proof
*Required when csrcIssReqYn is Y
└csrcRegNoDivCdN(1)Numeric, up to 1 bytes
Issuance information type.
1: Card 2: Resident registration number 3: Business registration number 4: Mobile number
*Required when csrcIssReqYn is Y
└csrcRegNoAN(20)Alphanumeric, up to 20 bytesAES-256AES-256/ECB/PKCS5Padding + Base64 (Standard)
Issuance information value.
*Actual value corresponding to csrcRegNoDivCd. Required when csrcIssReqYn is Y.
└addDdtTypeCdA(1)Alphabetic, up to 1 bytes
Additional deduction type.
Y: Public transportation C: Books, cultural events
└custIpAN(15)Alphanumeric, up to 15 bytes
Customer IP address.
*The customer device's IP address, not the merchant server IP
└pktHashAN(200)Alphanumeric, up to 200 bytes*SHA-256(실시간 생성)
SHA-256 hash value.
*Merchant ID + customer ID (plaintext) + order date + order time + transaction amount + debit bank code + auth key
└subCpnNmAN(40)Alphanumeric, up to 40 bytes
Sub-merchant name.
*Name of the sub-merchant where the transaction occurred
└subCpnNoAN(20)Alphanumeric, up to 20 bytes
Sub-merchant number.
*Number of the sub-merchant where the transaction occurred
└subCpnBizRegNoAN(10)Alphanumeric, up to 10 bytes
Sub-merchant business registration number.
*Business registration number of the sub-merchant where the transaction occurred
└lastStlAcntDprNmAN(20)Alphanumeric, up to 20 bytes
Final settlement account holder name.
*Bank statement description for the sub-merchant settlement account
└lastStlAcntBankCdAN(3)Alphanumeric, up to 3 bytes
Final settlement account bank code.
*Sub-merchant settlement account bank code
└lastStlAcntNoAN(15)Alphanumeric, up to 15 bytesAES-256AES-256/ECB/PKCS5Padding + Base64 (Standard)
Final settlement account number.
*Sub-merchant settlement account number, excluding "-"

Request Hash Code

ItemCombined fields
pktHash valueMerchant ID + customer ID (plaintext) + order date + order time + transaction amount + debit bank code + auth key

Response Parameters

타입 표기법
N숫자A영문H한글AN영문+숫자AHN영문+한글+숫자
예: AN(10) = 영문+숫자, 최대 10byte
└outStatCdAN(4)Alphanumeric, up to 4 bytes*
Transaction status code (success/failure).
0021: Success 0031: Failure
└outRsltCdAN(4)Alphanumeric, up to 4 bytes*
Decline code.
*Refer to rejection code table
└outRsltMsgAN(200)Alphanumeric, up to 200 bytes*Processed successfully.
Result message.
*Error details are returned when an error occurs.
└trdNoAN(50)Alphanumeric, up to 50 bytes*STFP_FIRM12345678901234567890
Hecto Financial transaction reference number.
└trdAmtN(13)Numeric, up to 13 bytes*1000
Transaction amount.
*Amount debited (transaction amount)
└mchtTrdNoAN(100)Alphanumeric, up to 100 bytes*OID201902210001
Merchant order number.
*No Korean characters
└svcDivCdN(4)Numeric, up to 4 bytes*
Service used for the payment.
1: Firm banking 2: Open Banking
*Service used for the payment (direct debit)
└obPsblYnAN(1)Alphanumeric, up to 1 bytes
Open Banking availability.
Y: Available N: Unavailable
*Whether the debit bank supports Open Banking
└macntNoAN(24)Alphanumeric, up to 24 bytesAES-256AES-256/ECB/PKCS5Padding
Master account number.
*Master account number, excluding "-"
*실제 응답값은 AES-256 암호화된 값입니다. 복호화 후 사용하세요.

Request Example

{
  "hdInfo": "SPAY_RP0W_1.0",
  "mchtId": "midtest",
  "mchtTrdNo": "OID201902210001",
  "mchtCustId": "AES-encrypted customer ID",
  "reqDt": "20191231",
  "reqTm": "120000",
  "trdAmt": "1000",
  "bankCd": "004",
  "custAcntKey": "d894kjd93kd9",
  "splAmt": "0",
  "vat": "0",
  "svcAmt": "0",
  "pmtPrdtNm": "Product name",
  "custAcntSumry": "Kim Hecto",
  "csrcIssReqYn": "N",
  "csrcIssPsblYn": "N",
  "custIp": "127.0.0.1",
  "pktHash": "hash value"
}

Response Example

{
  "outStatCd": "0021",
  "outRsltCd": "0000",
  "outRsltMsg": "Processed successfully.",
  "trdNo": "STFP_FIRM12345678901234567890",
  "trdAmt": "1000",
  "mchtTrdNo": "OID201902210001",
  "svcDivCd": "2",
  "obPsblYn": "Y"
}
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