헥토파이낸셜 개발자센터

Easy Cash Payment (Open Banking)

Easy Cash Payment (Open Banking) is a service that processes payments using the user's bank account through the KFTC open banking network, and can be integrated into your system via API for payment, account management, remittances, funds return claims, and more. Users register an open banking account through ARS account ownership verification, and payments are made from that account — a typical flow of ARS authentication → account registration → payment → transaction management.

Unlike card payments, there is no card number entry process, and after account registration, payments are made through a relatively simple procedure. From a business perspective, Easy Cash Payment APIs can be used as a convenient payment method across a wide range of services including subscriptions, platforms, and content services.

The Easy Cash Payment (Open Banking) service provided by Hecto Financial can be used as a "payment platform" that offers payment-related features in API form through the KFTC open banking network.

NOTE

Easy Cash Payment (Open Banking) core flow. ARS account ownership verification → Account registration → Call payment API → Immediate withdrawal through the KFTC open banking network.

Payment Methods

Key Features

A service that withdraws funds from the customer's account through the Korea Financial Telecommunications & Clearings Institute (KFTC) open banking network. Register an account with ARS account ownership verification, and process payments, remittances, and funds return claims using the open banking-exclusive API (/v2/api/...).

  • ARS account ownership verification: Uses the shared firm banking ARS authentication API to verify account ownership.
  • Open banking exclusive path: Account registration, payments, and remittances all use the /v2/api/... path.
  • Simultaneous firm banking + open banking registration: A single account registration can register both firm banking and open banking at the same time.
  • Funds return claim: An open banking-exclusive feature that allows claiming the return of incorrectly transferred funds.

Payment Flow

  • Easy Cash Payment (Open Banking) provides all features via API. (No checkout UI)
  • ARS authentication uses the shared firm banking API (/v1/api/auth/ars, /v1/api/auth/arscheck).
  • Account registration, payments, and remittances use the open banking-exclusive API (/v2/api/...).

Account Registration Flow

The process of registering an open banking account after ARS account ownership verification. The trdNo obtained from ARS authentication is used during account registration.

Customer
Merchant
Hecto Financial
11. Account registration request
22. ARS authentication request (firm banking API)
33. ARS outbound call
44. ARS authentication confirmation → obtain trdNo
55. Account registration (open banking)
66. Account registration response (custAcntKey, fintechUseNo)

각 단계 상세

  1. 1Account registration request : The customer requests open banking account registration at the merchant.
  2. 2ARS authentication request : The merchant calls the firm banking ARS authentication API (POST /v1/api/auth/ars).
  3. 3ARS outbound call : Hecto Financial makes an ARS authentication call to the customer's phone.
  4. 4ARS authentication confirmation : The merchant calls the ARS authentication confirmation API (POST /v1/api/auth/arscheck) to obtain the trdNo.
  5. 5Account registration : The merchant calls the open banking account registration API (POST /v2/api/acnt/reg) including the trdNo.
  6. 6Account registration response : Open banking identification information such as custAcntKey, fintechUseNo, and obPayerNo is returned in the response.
NOTE
Simultaneous firm banking + open banking registration If svcDivCd=3 is returned when calling /v2/api/acnt/reg, both firm banking and open banking are registered simultaneously. Customers who already have firm banking registered can add open banking separately via /v2/api/acnt/obreg.

Pre-Integration Checklist

Before starting integration, we recommend reviewing the following items.

Production Environment Testing Notice

Any costs incurred from testing in the production environment are borne by the merchant. All testing must be completed in the sandbox before using the production environment.

Request/Response method

  • Only POST requests are supported.
  • Request header: Content-Type: application/json; charset=UTF-8
  • Response format: JSON

IDC redundancy configuration

  • The Hecto Financial system is configured with IDC center redundancy.
  • Connection via DNS Lookup is recommended; fixed hosts file configuration is not recommended.
  • Please allow both Primary and Secondary IP addresses in your firewall.

Developer Documentation

🚀

Getting Started

Server environment, key information, security setup

🏦

Account Management

Account registration, open banking registration, deregistration

💳

Payment / Remittance

Withdrawal approval, cancellation/refund, remittance

↩️

Funds Return Claim

Funds return claim request and confirmation

💬

Need technical support?