Inter-Bank Payment Transfer (2000/100)
Transfers funds from a withdrawal account to a deposit account. The same message is used for both same-bank and inter-bank transfers.
Message Information
| Item | Request | Response |
|---|---|---|
| Message code | 2000 | 2100 |
| Business type | 100 | 100 |
| Direction | Merchant → Bank | Bank → Merchant |
Transfer Result Verification Required
If response code VTIM (response timeout) is received, it indicates a session error. You must verify the result using 7000/100 (transfer result inquiry).
Inter-Bank Transfer Failure Notice
For inter-bank transactions, a 3000/100 (inter-bank transfer failure notification) may occur even after a normal response. The inter-bank transfer failure notification must be reflected as the final result.
Common Header (100 bytes)
This is the common header for all Real-Time Firm Banking messages.
| No | Field | Position | Length | Required | Description |
|---|---|---|---|---|---|
| 1 | Identification code | 0 | 9 | Y | Recipient's TRANSACTION CODE (SETTLEBNK or SPACE) |
| 2 | Merchant ID | 9 | 12 | Y | Merchant ID assigned by Hecto Financial |
| 3 | Bank code | 21 | 3 | Y | Opening bank code contracted for firm banking |
| 4 | Message type code | 24 | 4 | Y | Message code (request: 2000, response: 2100) |
| 5 | Business type code | 28 | 3 | Y | Business type (100) |
| 6 | Transmission count | 31 | 1 | Y | Fixed value '1' |
| 7 | Message sequence number | 32 | 6 | Y | Daily unique sequence number (MAX 950,000) |
| 8 | Transmission date | 38 | 8 | Y | Message transmission date (YYYYMMDD) |
| 9 | Transmission time | 46 | 6 | Y | Message transmission time (hhmmss) |
| 10 | Response code | 52 | 4 | - | Response code (error code), SPACE on request |
| 11 | Reserved area | 56 | 44 | - | Hecto Financial proprietary area |
Individual Body (200 bytes)
Request Parameters
| No | Field | Position | Length | Required | Description |
|---|---|---|---|---|---|
| 1 | Withdrawal account number | 100 | 15 | Y | Master account number |
| 2 | Account passbook password | 115 | 8 | Y | Master account passbook password |
| 3 | Verification code | 123 | 6 | Y | Verification code (agreed upon with the bank) |
| 4 | Withdrawal amount | 129 | 13 | Y | Transfer amount |
| 5 | Post-withdrawal balance sign | 142 | 1 | - | Positive: '+', Negative: '-' (response) |
| 6 | Post-withdrawal balance | 143 | 13 | - | Balance after transaction (response) |
| 7 | Deposit bank code | 156 | 3 | Y | Transaction account bank code |
| 8 | Deposit account number | 159 | 15 | Y | Transaction account number |
| 9 | Fee | 174 | 9 | - | Transfer fee (response) |
| 10 | CMS code | 183 | 16 | N | CMS code |
| 11 | Memo | 199 | 14 | Y | Entry printed on the customer's passbook |
| 12 | Deposit account real-name number | 213 | 13 | N | Date of birth or business registration number |
| 13 | Master account memo | 226 | 12 | N | Entry printed on the master account (agreed upon with the bank) |
| 14 | Original transaction message sequence number | 238 | 6 | N | Message sequence number of account holder inquiry for NH Bank reserve transfer |
| 15 | Fee exemption classification | 244 | 1 | N | Y: Exempt, N: Not exempt (KONEPS exclusive) |
| 16 | Fund type | 245 | 2 | N | To be used after agreeing with the bank |
| 17 | Transfer type code | 247 | 1 | N | Fixed value '2' for KB Kookmin Bank inter-bank remittance |
| 18 | Sender real name | 248 | 14 | N | Set for KB Kookmin Bank inter-bank remittance |
| 19 | Reserved | 262 | 38 | - | SPACE |
Fund Type Codes
Codes vary by bank. Use after agreeing with the bank.
| Bank | Code | Description |
|---|---|---|
| Industrial Bank of Korea (IBK) | 1 | Salary |
| Industrial Bank of Korea (IBK) | 2 | Bonus |
| Industrial Bank of Korea (IBK) | 3 | Other |
| NongHyup (NH) | 1 | Salary |
| NongHyup (NH) | 2 | Requires agreement |
| NongHyup (NH) | 5 | Loan transfer |
| Shinhan Bank | 01 | Salary |
| Shinhan Bank | 02 | Bonus |
| Shinhan Bank | 03 | Other |
| Samsung Securities | 00 | General |
| Samsung Securities | 01 | Salary |
| Samsung Securities | 02 | Dividend |
| Samsung Securities | 03 | Other |
Memo Entry Notes
Required Checks When Entering Memo
Some banks have issues with transactions when half-width characters are used in the memo field. Use full-width symbols or full-width numbers.
- Woori Bank: Confirm use of contracted memo format.
- Kwangju Bank: Confirm use of contracted memo format.
- P2P merchants: Memo not available.
- Same-bank transactions: Automatically set to registered institution name.
- Inter-bank transactions: Sent with the entered memo.
Message Structure
Request Message (300 bytes)300 bytes
Common header100B · offset 0
Identification code9 · 0
Merchant ID12 · 9
Bank code3 · 21
Message type code4 · 24
Business type code3 · 28
Transmission count1 · 31
Message sequence number6 · 32
Transmission date8 · 38
Transmission time6 · 46
Response code4 · 52
Reserved area44 · 56
Individual body200B · offset 100
Withdrawal account number15 · 100
Account passbook password8 · 115
Verification code6 · 123
Withdrawal amount13 · 129
Post-withdrawal balance sign1 · 142
Post-withdrawal balance13 · 143
Deposit bank code3 · 156
Deposit account number15 · 159
Fee9 · 174
CMS code16 · 183
Memo14 · 199
Deposit account real-name number13 · 213
Master account memo12 · 226
Original transaction message sequence number6 · 238
Fee exemption classification1 · 244
Fund type2 · 245
Transfer type code1 · 247
Sender real name14 · 248
Reserved38 · 262
필수
선택
응답전용 / 예비
길이 · 위치Response Codes
On a normal response, the normal code is set in the common header response code. Response codes vary by bank. For the detailed code list, contact Hecto Financial Financial Services Team () or the Developer Support Site.
VTIM Response
Response code VTIM indicates a response timeout. You must verify the result using the 7000/100 message after 5 minutes.
Need technical support?
Code Samples
HectoFinancial GitHub