헥토파이낸셜 개발자센터

Payment Capture API

Process the actual payment server-to-server after payment checkout (UI) authentication is complete.

Sandbox Key Information

Important Notes

authTrdNo Required

Pass the trdNo (transaction reference number) from the payment checkout response as the authTrdNo parameter.

API Information

POST/whitelabel/v1/pay_confirm.do
Content-Typeapplication/json
테스트https://tbapi.settlebank.co.kr/whitelabel/v1/pay_confirm.do
운영https://api.settlebank.co.kr/whitelabel/v1/pay_confirm.do

Request Parameters

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

params Object

└mchtIdAN(12)Alphanumeric, up to 12 bytes*
Unique Merchant ID assigned by Hecto Financial.
└verAN(4)Alphanumeric, up to 4 bytes*
Message version.
└methodA(2)Alphabetic, up to 2 bytes*
Payment method.
└bizTypeAN(2)Alphanumeric, up to 2 bytes*
Business type code.
└encCdN(2)Numeric, up to 2 bytes*
Encryption type code.
└mchtTrdNoAN(100)Alphanumeric, up to 100 bytes*
Unique order number generated by the merchant.
└trdDtN(8)Numeric, up to 8 bytes*
Request date (yyyyMMdd).
└trdTmN(6)Numeric, up to 6 bytes*
Request time (HHmmss).
└mobileYnA(1)Alphabetic, up to 1 bytes
Mobile flag.
Y: Mobile web/app N: PC
└osTypeA(1)Alphabetic, up to 1 bytes
OS type.
A: Android I: iOS W: Windows M: Mac E: Other

data Object

└pktHashAN(200)Alphanumeric, up to 200 bytes*SHA-256(실시간 생성)
Hash value generated using SHA-256.
*trdDt + trdTm + mchtId + mchtTrdNo + trdAmt(plaintext) + hash key
└mchtCustIdAN(100)Alphanumeric, up to 100 bytes*
Merchant customer ID.
└authTrdNoAN(40)Alphanumeric, up to 40 bytes*
Transaction reference number from the payment checkout response (trdNo).
└trdAmtAN(12)Alphanumeric, up to 12 bytes*AES-256AES-256/ECB/PKCS5Padding + Base64
Transaction amount.

Response Parameters

params Object

└mchtIdAN(12)Alphanumeric, up to 12 bytes*pg_test
Merchant ID.
└verAN(4)Alphanumeric, up to 4 bytes*0A18
Message version.
*Fixed value
└methodA(2)Alphabetic, up to 2 bytes*WL
Payment method.
*Fixed value
└bizTypeAN(2)Alphanumeric, up to 2 bytes*B9
Business type code.
*Fixed value
└encCdN(2)Numeric, up to 2 bytes*23
Encryption type code.
*Fixed value
└mchtTrdNoAN(100)Alphanumeric, up to 100 bytes*ORDER20260107143000
Merchant order number.
└outStatCdAN(4)Alphanumeric, up to 4 bytes*0021
Transaction status code.
0021: Success 0031: Failure
└outRsltCdAN(4)Alphanumeric, up to 4 bytes*0000
Rejection code (detailed code on failure).
└outRsltMsgAHN(200)Alphanumeric + Korean, up to 200 bytes*Processed successfully.
Result message.
└trdNoAN(40)Alphanumeric, up to 40 bytes*STFP_PGCApg_test0000260107143100M1234567
Hecto Financial transaction reference number (required for void).
└trdDtN(8)Numeric, up to 8 bytes*20260107
Transaction date.
└trdTmN(6)Numeric, up to 6 bytes*143100
Transaction time.

data Object

└pktHashAN(64)Alphanumeric, up to 64 bytes*
The hash value echoed back from the request. Compare against the hash generated at request time to verify data integrity.
NOTE

Hash Verification

The pktHash in the response is identical to the hash sent in the request. Verify data integrity by comparing it against the hash you generated (trdDt + trdTm + mchtId + mchtTrdNo + trdAmt(plaintext) + hashKey).
└mchtCustIdAN(100)Alphanumeric, up to 100 bytes*honggildong
Merchant customer ID.
└authTrdNoAN(40)Alphanumeric, up to 40 bytes*STFP_PGCApg_test0000260107143000M1717578
Hecto Financial transaction reference number.
└payMethodAN(2)Alphanumeric, up to 2 bytes*CA
Payment method code.
CA: Credit card RP: Simple cash payment
└fnNmHA(20)HA, up to 20 bytesKookmin
Card issuer name (credit card only).
└fnCdAN(4)Alphanumeric, up to 4 bytesKBC
Card issuer code (credit card only).
└svcDivCdN(1)Numeric, up to 1 bytes1
Simple cash payment integration type.
1: Firm banking 2: Open banking
└trdAmtAN(12)Alphanumeric, up to 12 bytes*AES-256AES-256/ECB/PKCS5PaddingvqIWIiimsJ5efjSJpfnnTw==
Transaction amount.
*실제 응답값은 AES-256 암호화된 값입니다. 복호화 후 사용하세요.

Request Example

{
    "params": {
        "mchtId": "pg_test",
        "ver": "0A18",
        "method": "WL",
        "bizType": "B9",
        "encCd": "23",
        "mchtTrdNo": "ORDER20260107143000",
        "trdDt": "20260107",
        "trdTm": "143000",
        "mobileYn": "N",
        "osType": "W"
    },
    "data": {
        "pktHash": "197884af9f63bcd2d9792cd5cd39f7b1e7525e88888e2cee28f64fa23bf53312",
        "mchtCustId": "honggildong",
        "authTrdNo": "STFP_PGCApg_test0000260107143000M1717578",
        "trdAmt": "vqIWIiimsJ5efjSJpfnnTw=="
    }
}

Response Example

{
    "params": {
        "mchtId": "pg_test",
        "ver": "0A18",
        "method": "WL",
        "bizType": "B9",
        "encCd": "23",
        "mchtTrdNo": "ORDER20260107143000",
        "trdNo": "STFP_PGCApg_test0000260107143100M1234567",
        "trdDt": "20260107",
        "trdTm": "143100",
        "outStatCd": "0021",
        "outRsltCd": "0000",
        "outRsltMsg": "Processed successfully."
    },
    "data": {
        "pktHash": "197884af9f63bcd2d9792cd5cd39f7b1e7525e88888e2cee28f64fa23bf53312",
        "mchtCustId": "honggildong",
        "authTrdNo": "STFP_PGCApg_test0000260107143000M1717578",
        "trdAmt": "vqIWIiimsJ5efjSJpfnnTw==",
        "payMethod": "CA",
        "fnNm": "Kookmin",
        "fnCd": "KBC"
    }
}
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