010 Virtual Account
A virtual account service that uses mobile phone numbers (010-0000-0000) as virtual account numbers.
Deposit convenience is improved by using a phone number instead of a complex account number.
Key flow for 010 Virtual Account. Step 1: Account issuance request → 010 virtual account issued. Step 2: Buyer makes deposit → Receive deposit notification → Complete order. Just like general virtual accounts, deposit notification processing via notiUrl is mandatory.
Learn About Payment Methods
Hecto Financial offers virtual account payment methods you can choose based on your service needs.
A virtual account service that uses the customer's mobile phone number (010-0000-0000) as the virtual account number. This improves deposit convenience by using a phone number instead of a complex account number.
- Virtual accounts are issued through K-Bank (089) using the customer's own mobile phone number.
- Customers can make deposits easily using their own phone number as the account number.
Learn About the Payment Flow
Checkout Integration
The customer enters payment information in the checkout window and receives a 010 virtual account. When a deposit to the issued account (phone number) is completed, the deposit result is delivered via notiUrl.
각 단계 상세
- 1Payment Request : The buyer selects a payment method from the order form and clicks the "Pay" button.
- 2Launch Checkout : The merchant calls the Hecto Financial JavaScript SDK (SETTLE_PG.pay) to open the checkout window.
- 3Display Checkout : The 010 virtual account payment information entry screen is displayed to the buyer.
- 4Enter Information : The buyer enters the required payment information.
- 5Account Issuance Request : Hecto Financial requests K-Bank to issue the 010 virtual account.
- 6Account Issued : K-Bank issues a virtual account in the format 010-XXXX-XXXX.
- 7Deliver Result : Hecto Financial delivers the virtual account information to the merchant server's notiUrl.
결제창 vs API 비교
| 항목 | 결제창 연동 | API 연동 |
|---|---|---|
| Issuance Method | Automatically handled in checkout | Merchant calls API directly |
| Payment UI | Hecto Financial checkout window | Merchant's own design possible |
| notiUrl | Required | Required (to receive deposit notifications) |
Differences from General Virtual Accounts
| Category | General Virtual Account | 010 Virtual Account |
|---|---|---|
| Account Number Format | Bank-specific account number format (numeric string) | 010-XXXX-XXXX (phone number) |
| Partner Bank | Multiple banks supported | K-Bank (089) only |
| Customer Convenience | Complex account number entry | Simple deposit using phone number |
| Account Memorability | Difficult | Easy — it's the customer's own number |
| Use Case | General bank transfer deposits | Services where deposit convenience is important |
Pre-Integration Checklist
Before starting 010 Virtual Account integration, it is helpful to confirm the following items in advance.
K-Bank exclusive service. 010 virtual accounts can only be issued through K-Bank (bank code: 089). If you need virtual accounts from other banks, please use the General Virtual Account service.
Other Notes
- The phone number does not need to match the actual customer's number. However, using the customer's own number is recommended for deposit convenience.
- If a deposit is not made within the expiration period, the account is automatically expired. No separate notification is sent upon expiration, so merchants must implement their own expiration handling logic.
- Partial deposits are not supported. The full amount set must be deposited at once.
- In the sandbox environment, you can simulate deposits using the deposit test API.
Sales / Screening Related
- You will need to consult with a sales representative to use the 010 Virtual Account service.
- Sales inquiry:
Need technical support?
Code Samples
HectoFinancial GitHub