헥토파이낸셜 개발자센터

Gift Card Payment

Gift card payment is a method of paying with prepaid gift cards and points such as CultureCash, Book & Culture Gift Cards, Smart Gift Cards, TeenCash, and T-money.
Customers without credit cards or bank accounts can also pay, making it suitable for customers seeking simple small-amount payments.

The buyer selects a gift card type in the checkout window and enters a login or PIN number, and the payment amount is deducted from the available balance.

NOTE

Key flow for gift card payments. Buyer selects gift card → Login/PIN entry → Balance check → Balance deduction → Payment complete. Gift card payments are classified as cash-equivalent payments and are subject to cash receipt issuance.

Learn About Gift Card Types

Hecto Financial supports various gift card payments.

CultureCashCheckout ✓API ✗

A gift card that can be charged via CultureLand and used across a variety of online services including games, shopping, and books.

  • Log in to CultureLand in the checkout window to check your balance and complete payment.
NOTE
If the customer changes their password or has already used the balance after payment, cancellation may fail.

Learn About the Payment Flow

Checkout Integration

When the merchant's webpage calls the Hecto Financial checkout window, the buyer selects a gift card type and proceeds with payment by logging in or entering a PIN. The payment amount is deducted after the balance is confirmed.

Buyer
Merchant
Hecto Financial
Gift Card Provider
11. Select gift card as payment method
22. Launch checkout (set method)
33. Display checkout window (login/PIN entry)
44. Login or enter PIN
55. Request balance check and deduction
66. Deduction complete
77. Result notification (notiUrl)

각 단계 상세

  1. 1Select Payment Method : The buyer selects gift card payment from the order form.
  2. 2Launch Checkout : The merchant calls the JavaScript SDK to open the checkout window. The gift card type is specified via the method parameter.
  3. 3Login / PIN Entry : The buyer logs in to the gift card provider or enters the PIN number.
  4. 4Balance Check : The gift card provider checks the balance and determines payment eligibility.
  5. 5Balance Deduction : The payment amount is deducted from the gift card balance.
  6. 6Result Notification : Hecto Financial delivers the payment result to the merchant server's notiUrl.
Make sure to implement notiUrl. notiUrl is required for checkout integration. Even if the buyer closes the checkout window midway, payment results can be reliably received via notiUrl.

Gift Card Cancellations

Partial cancellations for gift card payments may not be available depending on the issuer's policy. A full cancellation followed by re-approval may be required.

Gift CardCancellation PeriodPartial Cancellation
CultureCash1 yearNot supported
Book & Culture Gift Card1 yearNot supported
Smart Gift Card1 yearNot supported
TeenCash1 yearPartial cancellation supported
T-money90 daysPartial cancellation supported

Pre-Integration Checklist

Before starting gift card payment 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

  • Gift card payments are classified as cash-equivalent payments and are subject to cash receipt issuance.
  • Gift card payments only support checkout integration. Standalone API integration is not supported.
  • For T-money, cancellations after 90 days may be difficult.
  • Partial cancellations may not be available for some payment methods (full cancellation followed by re-approval is required).

Sales / Screening Related

  • Screening may be required per gift card provider. Please coordinate with your sales representative.
  • Sales inquiry:

Gift Card Payment Developer Documentation

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Gift Card Payment API

Payment request by gift card type

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Gift Card Payment Cancellation API

Payment cancellation request

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