T-money Payment (Checkout Method)
The T-money checkout method allows customers to pay using the T-money balance they hold.
Test Key Information
API Information
POST/tmoney/main.do
Content-Type
application/x-www-form-urlencoded테스트
https://tbnpg.settlebank.co.kr/tmoney/main.do운영
https://npg.settlebank.co.kr/tmoney/main.doNOTE
T-money Payment Features
T-money is a transit card-based electronic money. Unlike other gift cards, it supports the tax-free amount (taxFreeAmt) parameter.
Important Notes
T-money Payment Important Notes
If the T-money balance is less than the payment amount, the payment will not proceed.
- Payment is only possible within the T-money balance.
- Partial cancellation may not be available.
- A tax-free amount (e.g., cup deposit) can be specified separately.
Request Parameters
타입 표기법
N숫자A영문H한글AN영문+숫자AHN영문+한글+숫자예: AN(10) = 영문+숫자, 최대 10byte
Required Parameters
└mchtIdAN(10)Alphanumeric, up to 10 bytes*Unique merchant ID assigned by Hecto Financial
Unique merchant ID assigned by Hecto Financial
nx_mid_il: T-money└methodAN(20)Alphanumeric, up to 20 bytes*Payment type code
Payment type code
tmoney: T-money└trdDtN(8)Numeric, up to 8 bytes*Request date (yyyyMMdd)
Request date (yyyyMMdd)
└trdTmN(6)Numeric, up to 6 bytes*Request time (HH24MISS)
Request time (HH24MISS)
└mchtTrdNoAN(100)Alphanumeric, up to 100 bytes*Unique order number generated by the merchant (no Korean characters)
Unique order number generated by the merchant (no Korean characters)
└mchtNameAHN(100)Alphanumeric + Korean, up to 100 bytes*Merchant name (Korean)
Merchant name (Korean)
└mchtENameAN(100)Alphanumeric, up to 100 bytes*Merchant name (English)
Merchant name (English)
└pmtPrdtNmAHN(50)Alphanumeric + Korean, up to 50 bytes*Payment product name
Payment product name
└trdAmtN(12)Numeric, up to 12 bytes*
AES-256AES-256/ECB/PKCS5Padding + Base64Transaction amountTransaction amount
*If a cup deposit exists, set the transaction amount + cup deposit value.
└notiUrlAN(250)Alphanumeric, up to 250 bytes*Webhook endpoint URL to receive payment results (server-to-server)
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
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
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-256Hash value generated using SHA256(실시간 생성)Hash value generated using SHA256
NOTE
Hash Generation Combination
mchtId + method + mchtTrdNo + trdDt + trdTm + trdAmt (plaintext) + hashKey
Optional Parameters
└taxFreeAmtN(12)Numeric, up to 12 bytes
AES-256AES-256/ECB/PKCS5Padding + Base64Tax-free amount within the payment amount (cup deposit: 300 KRW)Tax-free amount within the payment amount (cup deposit: 300 KRW)
*This tax-free amount field is only available for T-money payment.
└mchtCustNmAHN(30)Alphanumeric + Korean, up to 30 bytes
AES-256AES-256/ECB/PKCS5Padding + Base64Customer nameCustomer name
└mchtCustIdAN(50)Alphanumeric, up to 50 bytes
AES-256AES-256/ECB/PKCS5Padding + Base64Merchant customer IDMerchant customer ID
└custIpAN(15)Alphanumeric, up to 15 bytesCustomer IP address
Customer IP address
└mchtParamAHN(4000)Alphanumeric + Korean, up to 4000 bytesMerchant reserved field (returned as-is when results are delivered)
Merchant reserved field (returned as-is when results are delivered)
└prdtTermN(14)Numeric, up to 14 bytesProduct provision period (yyyyMMddHHmmss; if empty, displayed as a regular payment)
Product provision period (yyyyMMddHHmmss; if empty, displayed as a regular 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+숫자예: AN(10) = 영문+숫자, 최대 10byte
Common Response
└mchtIdAN(10)Alphanumeric, up to 10 bytes*Merchant ID
nx_mid_ilMerchant ID
└outStatCdAN(4)Alphanumeric, up to 4 bytes*Transaction status code
0021Transaction status code
0021: Success 0031: Failure└outRsltCdAN(4)Alphanumeric, up to 4 bytes*Result code
0000Result code
└outRsltMsgAHN(200)Alphanumeric + Korean, up to 200 bytes*Result message
Processed successfully.Result message
└methodAN(20)Alphanumeric, up to 20 bytes*Payment method
tmoneyPayment method
tmoney: T-money└mchtTrdNoAN(100)Alphanumeric, up to 100 bytes*Merchant order number
TMONEY20211231100000Merchant order number
└trdNoAN(40)Alphanumeric, up to 40 bytes*Hecto Financial transaction number
STFP_PGCAnx_mid_il0211129135810M1494620Hecto Financial transaction number
└trdAmtN(12)Numeric, up to 12 bytes*
AES-256AES-256/ECB/PKCS5PaddingTransaction amount1000Transaction amount
*실제 응답값은 AES-256 암호화된 값입니다. 복호화 후 사용하세요.
└mchtCustIdAN(100)Alphanumeric, up to 100 bytes
AES-256AES-256/ECB/PKCS5PaddingMerchant customer IDcustomer123Merchant customer ID
*실제 응답값은 AES-256 암호화된 값입니다. 복호화 후 사용하세요.
└mchtParamAHN(4000)Alphanumeric + Korean, up to 4000 bytesMerchant reserved field (the value received in the request is returned as-is)
name=HongGilDong&age=25Merchant reserved field (the value received in the request is returned as-is)
└authDtN(14)Numeric, up to 14 bytesApproval datetime
20211231100000Approval 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 T-money payment results, see the Webhook document.
Need technical support?
Code Samples
HectoFinancial GitHubAPI Test