헥토파이낸셜 개발자센터

Bank Transfer Payment

Bank transfer is a payment method that immediately debits the payment amount from the buyer's bank account.
Unlike virtual accounts (bank transfer without account), the debit is completed immediately upon payment request, with no separate waiting period for deposit.

It is securely processed through the Korea Financial Telecommunications & Clearings Institute's BankPay authentication,
making it suitable for customers without credit cards or those who prefer cash payments.

NOTE

Key flow for bank transfer payments. Buyer selects bank → BankPay authentication → Immediate debit → Payment complete. Since funds are debited from the customer's account simultaneously with payment, this is ideal for products requiring immediate service delivery.

Learn About the Payment Flow

Checkout Integration

When the merchant's webpage calls the Hecto Financial checkout window, the buyer selects a bank and proceeds with payment via the Korea Financial Telecommunications & Clearings Institute's BankPay authentication. The payment amount is immediately debited from the customer's account upon completion.

Buyer
Merchant
Hecto Financial
KFTC
11. Select bank transfer from order form
22. Launch checkout (JS SDK)
33. Display checkout window (bank selection)
44. Select bank and BankPay authentication
55. Request real-time transfer
66. Return transfer result
77. Result notification (notiUrl)

각 단계 상세

  1. 1Payment Request : The buyer selects bank transfer from the order form and requests payment.
  2. 2Launch Checkout : The merchant calls the JavaScript SDK (SETTLE_PG.pay) to open the checkout window.
  3. 3Bank Selection : The buyer selects the bank to debit from in the checkout window.
  4. 4BankPay Authentication : Identity authentication is processed through the KFTC BankPay service.
  5. 5Real-time Transfer : After authentication is complete, the amount is immediately debited from the customer's account.
  6. 6Return Result : KFTC delivers the transfer result to Hecto Financial.
  7. 7Result Notification : Hecto Financial delivers the payment result to the merchant server's notiUrl.
Make sure to implement notiUrl.nextUrl is not called if the customer force-closes the checkout window. Actual order processing must be performed in notiUrl.

Key Features and Characteristics

1. Real-time Debit

The amount is debited from the customer's account simultaneously with payment, allowing the merchant to immediately confirm the deposit result.
Unlike virtual accounts, there is no deposit waiting period, making it ideal for products requiring immediate service delivery.

2. Authentication/Approval Separation Support

The customer authentication step and the actual debit (approval) step can be operated separately.

  • Authentication: Customer authenticates via KFTC BankPay
  • Approval: Merchant requests the approval API at the required time

Pre-Integration Checklist

Before starting bank transfer integration, it is helpful to confirm the following items in advance.

Merchant ID Related

  • Merchant IDs differ between sandbox and production environments. Testing in the production environment will incur actual charges, so please make sure to use the sandbox.

Other Notes

  • Please avoid making payment and cancellation requests during bank maintenance hours (23:30–00:35).
  • The cancellation period is 180 days.

Sales / Screening Related

  • Please contact your sales representative for inquiries about business categories and screening progress.
  • Sales inquiry:

Bank Transfer Developer Documentation

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Bank Transfer Payment API

Real-time bank transfer request

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Bank Transfer Cancellation API

Payment cancellation request

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