My Bank Pay

A simple payment service that lets you accept payments from customers directly through their bank accounts in an online store.

Customers register their bank account once and set a payment PIN, and from then on can make payments simply by entering the PIN — no complex authentication process required.

NOTE

My Bank Pay core flow. Account authentication in checkout → merchant server calls approval API → immediate withdrawal from customer's account.

Payment Methods

Key Features

Provides a simple payment experience using the customer's bank account.

Simple authentication: Payment can be completed with mobile phone authentication — no accredited certificate or security card required.
Real-time withdrawal: Funds are immediately withdrawn from the customer's account and settled to the merchant.
Low fees: Transaction fees are lower compared to credit card payments.
High payment limit: Payments can be made up to the account balance, regardless of card limits.
BillKey payment: BillKey enables recurring payments such as subscriptions and memberships.

Payment Flow

Checkout Integration

The Hecto Financial checkout is invoked from the merchant's web page to authenticate the customer. Once the customer enters account information and completes identity verification, the authentication result is delivered to the merchant.

Buyer

Merchant

Hecto Financial

Bank

11. Payment request

1. Payment request

22. Invoke checkout

2. Invoke checkout

33. Display checkout

3. Display checkout

44. Enter account info / authenticate

4. Enter account info / authenticate

55. Authentication complete callback

5. Authentication complete callback

각 단계 상세

1Payment request : The buyer requests payment at the merchant.
2Invoke checkout : The merchant invokes the Hecto Financial checkout.
3Display checkout : An account information entry screen is shown to the buyer.
4Enter account info / authenticate : The buyer enters account information and completes mobile identity verification.
5Authentication complete callback : Hecto Financial delivers the authentication result to the merchant.

The checkout only handles authentication. The payment approval API must be called within 10 minutes after authentication is complete. If this time is exceeded, the authentication information expires.

결제창 vs API 비교

항목	결제창 연동	API 연동
Scope	Customer authentication (account info entry, identity verification)	Payment approval, cancellation/refund, automatic payment, inquiry
Communication method	Invoke Hecto Financial checkout	Server-to-Server API call
Content-Type	application/x-www-form-urlencoded	application/json; charset=UTF-8

Pre-Integration Checklist

Before starting integration, we recommend reviewing the following items.

Authentication validity period

The payment approval API must be called within 10 minutes after payment authentication is complete. If this time is exceeded, the authentication information expires.

Timeout handling

If a timeout occurs when calling the payment approval API, check the result using the transaction result inquiry API.
If the inquiry result is successful, proceed with cancellation using the network cancellation API.