헥토파이낸셜 개발자센터

Point Damoa Payment (Checkout Method)

Point Damoa is a service that allows customers to pay by consolidating various points they hold (telecom points, card points, etc.).

Test Key Information

API Information

POST/point/main.do
Content-Typeapplication/x-www-form-urlencoded
테스트https://tbnpg.settlebank.co.kr/point/main.do
운영https://npg.settlebank.co.kr/point/main.do

Important Notes

NOTE

Point Damoa Service Notice

Point Damoa is a service that allows customers to consolidate and use various points for payment.

Test Environment IP Allowlist

In the Point Damoa test environment, you must request IP allowlisting from Point Hub (the checkout provider), not Hecto Financial. The IP is based on the browser (client) IP accessing the checkout, not the server IP.
  • Various points such as telecom points and card points can be used together.
  • CI information may be required when customer authentication is needed.
  • Partial cancellation is not supported. If a cancellation is needed, cancel the full amount and then request a new approval.

Request Parameters

타입 표기법
N숫자A영문H한글AN영문+숫자AHN영문+한글+숫자
예: AN(10) = 영문+숫자, 최대 10byte

Required Parameters

└mchtIdAN(10)Alphanumeric, up to 10 bytes*
Unique merchant ID assigned by Hecto Financial
nxpt_kt_il: Point Damoa Test
└methodAN(20)Alphanumeric, up to 20 bytes*
Payment type code
*Fixed value
└trdDtN(8)Numeric, up to 8 bytes*
Request date (yyyyMMdd)
└trdTmN(6)Numeric, up to 6 bytes*
Request time (HH24MISS)
└mchtTrdNoAN(100)Alphanumeric, up to 100 bytes*
Unique order number generated by the merchant (no Korean characters)
└mchtNameAHN(100)Alphanumeric + Korean, up to 100 bytes*
Merchant name (Korean)
└mchtENameAN(100)Alphanumeric, up to 100 bytes*
Merchant name (English)
└pmtPrdtNmAHN(128)Alphanumeric + Korean, up to 128 bytes*
Payment product name
└trdAmtN(12)Numeric, up to 12 bytes*AES-256AES-256/ECB/PKCS5Padding + Base64
Transaction amount
└notiUrlAN(250)Alphanumeric, up to 250 bytes*
Webhook endpoint URL to receive payment results (server-to-server)
└nextUrlAN(250)Alphanumeric, up to 250 bytes*
URL to redirect to the payment result screen
*Redirected when a button inside the checkout is clicked. Check outStatCd to confirm payment success (0021) or failure (0031).
└cancUrlAN(250)Alphanumeric, up to 250 bytes*
URL to redirect when the customer clicks the X button in the checkout
*Browser close and back navigation are not detected.
└pktHashAN(200)Alphanumeric, up to 200 bytes*SHA-256(실시간 생성)
Hash value generated using SHA256
NOTE

Hash Generation Combination

mchtId + method + mchtTrdNo + trdDt + trdTm + trdAmt (plaintext) + hashKey

Optional Parameters

└mchtCustNmAHN(30)Alphanumeric + Korean, up to 30 bytesAES-256AES-256/ECB/PKCS5Padding + Base64
Customer name
└mchtCustIdAN(50)Alphanumeric, up to 50 bytesAES-256AES-256/ECB/PKCS5Padding + Base64
Merchant customer ID
└custIpAN(15)Alphanumeric, up to 15 bytes
Customer IP address
└emailAN(60)Alphanumeric, up to 60 bytesAES-256AES-256/ECB/PKCS5Padding + Base64
Customer email address
└mchtParamAHN(4000)Alphanumeric + Korean, up to 4000 bytes
Merchant reserved field (returned as-is when results are delivered)
└prdtTermN(14)Numeric, up to 14 bytes
Product provision period (yyyyMMddHHmmss; if empty, displayed as a regular payment)
└clipCustNmAHN(30)Alphanumeric + Korean, up to 30 bytesAES-256AES-256/ECB/PKCS5Padding + Base64
Point Damoa customer name
└clipCustCiAN(100)Alphanumeric, up to 100 bytesAES-256AES-256/ECB/PKCS5Padding + Base64
Point Damoa CI
└clipCustPhoneNoN(11)Numeric, up to 11 bytesAES-256AES-256/ECB/PKCS5Padding + Base64
Point Damoa mobile phone number
└certNotiUrlAN(250)Alphanumeric, up to 250 bytes
Authentication result URL (server-to-server; used only for specific merchants)
└skipCdA(1)Alphabetic, up to 1 bytes
Whether to skip terms agreement
└multiPayAN(2)Alphanumeric, up to 2 bytes
Point combined payment (used for credit card combined payment)
MP: Combined payment

Response Parameters

Upon payment completion or failure, a redirect to nextUrl occurs; when the customer clicks the X button inside the checkout, a redirect to cancUrl occurs, and the following parameters are passed. Browser close and back navigation are not detected.

타입 표기법
N숫자A영문H한글AN영문+숫자AHN영문+한글+숫자
예: AN(10) = 영문+숫자, 최대 10byte

Common Response

└mchtIdAN(10)Alphanumeric, up to 10 bytes*nxpt_kt_il
Merchant ID
└outStatCdAN(4)Alphanumeric, up to 4 bytes*0021
Transaction status code
0021: Success 0061: Authentication success (Deferred Capture) 0031: Failure
└outRsltCdAN(4)Alphanumeric, up to 4 bytes*0000
Result code
└outRsltMsgAHN(200)Alphanumeric + Korean, up to 200 bytes*Processed successfully.
Result message
└methodAN(20)Alphanumeric, up to 20 bytes*point
Payment method
└mchtTrdNoAN(100)Alphanumeric, up to 100 bytes*POINT20211231100000
Merchant order number
└mchtCustIdAN(50)Alphanumeric, up to 50 bytesAES-256AES-256/ECB/PKCS5PaddingHongGilDong
Merchant customer ID
*실제 응답값은 AES-256 암호화된 값입니다. 복호화 후 사용하세요.
└trdNoAN(40)Alphanumeric, up to 40 bytes*STFP_PGCPnxpt_kt_il0211129135810M1494620
Hecto Financial transaction number
└trdAmtN(12)Numeric, up to 12 bytes*AES-256AES-256/ECB/PKCS5Padding1000
Transaction amount
*실제 응답값은 AES-256 암호화된 값입니다. 복호화 후 사용하세요.
└mchtParamAHN(4000)Alphanumeric + Korean, up to 4000 bytesname=HongGilDong&age=25
The value received in the request is returned as-is
└authDtN(14)Numeric, up to 14 bytes20211231100000
Approval datetime

Webhook (Payment Result)

After payment is completed, Hecto Financial sends a webhook to your server.

NOTE

Webhook Reference

For webhook parameters and processing methods for Point Damoa payment results, see the Webhook document.
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