헥토파이낸셜 개발자센터

Remittance API

Sends a remittance (fund transfer) request from the merchant server to the Hecto Financial server.

API Information

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

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 bytesAES-256AES-256/ECB/PKCS5Padding + Base64 (Standard)
Unique customer ID or key provided by the merchant.
└trdDtAN(8)Alphanumeric, up to 8 bytes*
Transaction date.
*yyyyMMdd
└trdTmAN(6)Alphanumeric, up to 6 bytes*
Transaction time.
*HH24MISS
└bankCdAN(3)Alphanumeric, up to 3 bytes*
Deposit bank code.
*Refer to the financial institution code table
└custAcntNoAN(15)Alphanumeric, up to 15 bytes*AES-256AES-256/ECB/PKCS5Padding + Base64 (Standard)
Deposit bank account number.
*Account number excluding "-"
└custAcntSumryAN(14)Alphanumeric, up to 14 bytes*AES-256AES-256/ECB/PKCS5Padding + Base64 (Standard)
Deposit bank statement description.
*Text that will appear on the customer's bank statement. Full-width characters (7 characters)
└remitterNmAN(14)Alphanumeric, up to 14 bytesAES-256AES-256/ECB/PKCS5Padding + Base64 (Standard)
Remitter's legal name (required for Kookmin Bank remittance; full-width characters, up to 7 characters).
└directYnA(1)Alphabetic, up to 1 bytes
Direct bank contract status.
N: Resale (default) Y: Direct contract
└macntBankCdN(3)Numeric, up to 3 bytes
Master account bank code.
*Refer to financial institution code table (for direct bank contract). Required when directYn is Y.
└macntNoAN(15)Alphanumeric, up to 15 bytesAES-256AES-256/ECB/PKCS5Padding + Base64 (Standard)
Master account deposit account number.
*Master account number excluding "-" (for direct bank contract). Required when directYn is Y.
└macntSumryAN(6)Alphanumeric, up to 6 bytesAES-256AES-256/ECB/PKCS5Padding + Base64 (Standard)
Master account bank statement description.
*Text that will appear on the master account statement (for direct bank contract). Full-width characters (6 characters). Required when directYn is Y.
└scrtCardValAN(6)Alphanumeric, up to 6 bytesAES-256AES-256/ECB/PKCS5Padding + Base64 (Standard)
Security code number.
*Security card number derived for direct contract SC bank
└firmPktNoN(6)Numeric, up to 6 bytes
Firm banking packet number.
└macntPwdAN(4)Alphanumeric, up to 4 bytesAES-256AES-256/ECB/PKCS5Padding + Base64 (Standard)
Master account password.
*Optional depending on bank-specific contract terms (required for MG community credit cooperatives)
└trdAmtN(13)Numeric, up to 13 bytes*
Transaction amount.
*Amount to transfer. Maximum 1 billion KRW.
└mchtCustBankCdN(3)Numeric, up to 3 bytes
Customer account bank code.
*Bank code of the customer initiating the remittance. Required when using Open Banking. Refer to financial institution code table.
└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 + order number + transaction date + transaction time + deposit bank code + deposit account number (plaintext) + transaction amount + auth key

Request Hash Code

ItemCombined fields
pktHash valueMerchant ID + order number + transaction date + transaction time + deposit bank code + deposit account number (plaintext) + transaction amount + 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. ST08: If the account is already enrolled, the enrolled account information is returned.
└outRsltMsgAN(300)Alphanumeric, up to 300 bytes*Processed successfully.
Result message.
*Error details are returned when an error occurs.
└mchtTrdNoAN(100)Alphanumeric, up to 100 bytes*OID20210830080000
Merchant order number.
*No Korean characters
└trdNoAN(40)Alphanumeric, up to 40 bytes*STFP_FIRM1233444365430698
Hecto Financial transaction reference number.
└trdAmtN(13)Numeric, up to 13 bytes*1000
Transfer amount.
└svcDivCdN(4)Numeric, up to 4 bytes*
Service used for the remittance.
1: Firm banking 2: Open Banking

Request Example

{
  "hdInfo": "SPAY_AR0W_1.0",
  "mchtId": "midtest",
  "mchtTrdNo": "OID2021083012345",
  "mchtCustId": "AES-encrypted customer ID",
  "trdDt": "20191231",
  "trdTm": "120000",
  "bankCd": "004",
  "custAcntNo": "AES-encrypted account number",
  "custAcntSumry": "AES-encrypted bank statement description",
  "directYn": "N",
  "trdAmt": "1000",
  "custIp": "127.0.0.1",
  "pktHash": "hash value"
}

Response Example

{
  "outStatCd": "0021",
  "outRsltCd": "0000",
  "outRsltMsg": "Processed successfully.",
  "mchtTrdNo": "OID20210830080000",
  "trdNo": "STFP_FIRM1233444365430698",
  "trdAmt": "1000",
  "svcDivCd": "2"
}
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