헥토파이낸셜 개발자센터

Digital Wallets Overview

Digital wallet payment is a service that allows users to pay conveniently using pre-registered payment methods. Hecto Financial PG supports PAYCO, KakaoPay, NaverPay, and TossPay.

Supported Digital Wallet Providers

ProviderCodeDescription
Samsung PaySSPSamsung Pay digital wallet payment (Galaxy devices / QR payment)
PAYCOPACNHN PAYCO digital wallet payment
KakaoPayKKPKakaoPay digital wallet payment
NaverPayNVPNaverPay digital wallet payment
TossPayTOSTossPay digital wallet payment (card / Toss Money)

Common Features

  • All digital wallet payments are integrated using the Checkout method.
  • API endpoint: /corp/main.do
  • Payment method code: corp (fixed value)
  • The corpPayCode parameter distinguishes the digital wallet provider.

Test Key Information

API Information

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

Provider-Specific Notes

Samsung Pay (SSP)

NOTE

Samsung Pay environment

Samsung Pay is only available on Samsung Galaxy devices. QR code payment is supported in PC environments.
  • API endpoint: /card/cardDirect.do (different from other digital wallet payments)
  • Set the cardGb parameter to SSP.

PAYCO (PAC)

  • Supports Deferred Capture method
  • Transaction status code 0061 indicates authentication-complete state

KakaoPay (KKP)

KakaoPay sandbox notice

Actual payments are processed even in the sandbox environment. Transactions made in the sandbox are automatically cancelled.
  • Payment method restrictions by tax type:
    • Taxable / Tax-exempt: Credit card, Money, Money + Points combined payment
    • Mixed tax: Credit card only

NaverPay (NVP)

NOTE

NaverPay sandbox notice

A Naver account is required to test NaverPay.
  • The cash receipt issuance amount may differ from the payment amount.
  • Cash receipts are issued only for charged (non-promotional) point amounts, not complimentary points.

TossPay (TOS)

NOTE

TossPay payment type

TossPay supports two payment types: card payment (CARD) and Toss Money (MONEY).
  • Use the corpPayType parameter to select the payment type.
  • Card payment: Pay with a card registered in Toss
  • Toss Money: Pay with Toss Money balance

Integration Flow

  1. Payment Request: Merchant sends a payment request to Hecto Financial PG
  2. Checkout Display: Customer completes payment through the respective digital wallet provider's checkout
  3. Payment Complete: Screen transitions to nextUrl after payment is completed
  4. Webhook Received: Hecto Financial POSTs the payment result to your notiUrl endpoint. Verify the pktHash signature, check outStatCd for success (0021), then update your order status and trigger fulfillment.

Related APIs

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