Point Damoa
Point Damoa is a service that allows customers to consolidate, query, and use membership points scattered across multiple partner companies (card issuer points, OK Cashbag, etc.)
in a single checkout window.
By enabling payment with previously unused points, it provides customers with an additional payment method
and helps merchants increase payment conversion rates.
Key flow for Point Damoa payments. Integrated query of partner points → Select and use points → Deduction complete.
Learn About the Payment Flow
Checkout Integration
When the merchant's webpage calls the Hecto Financial checkout window, points from multiple partner companies can be integrated and queried based on the buyer's CI (personal identification information) and used for payment.
각 단계 상세
- 1Select Payment : The buyer selects points payment from the order form.
- 2Launch Checkout : The merchant calls the JavaScript SDK to open the checkout window. CI is passed along if available.
- 3Query Points : Hecto Financial queries the available points from multiple partner companies based on CI.
- 4Display Balance : The list of usable points and their balances are displayed to the buyer.
- 5Approve Usage : The buyer selects the points and amount to use and approves the payment.
- 6Points Deduction : Points are deducted from the respective partner company.
- 7Result Notification : Hecto Financial delivers the payment result to the merchant server's notiUrl.
Key Features and Characteristics
1. Multiple Integration Methods Supported
Point Damoa supports various authentication and payment methods.
Authentication Methods
- Ongoing Authentication: Terms & conditions agreement page and KMC authentication are processed for each payment.
- One-time Authentication: When the checkout window is called with customer information including the CI value, authentication is only required on the first transaction; subsequent transactions go directly to the points conversion page.
Payment Methods
- Fixed Amount: Convert points equivalent to the payment amount.
- Open Amount: Customer freely converts points within the card issuer's limit or the merchant-defined limit.
2. Integrated Points Query
Customers can query points held across multiple partner companies at once and use as much as desired for payment.
3. Authentication/Approval Separation Support
Supports an authentication/approval separation model where the final approval can be handled separately according to the merchant's internal logic (e.g., inventory check).
Pre-Integration Checklist
Before starting Point Damoa integration, it is helpful to confirm the following items in advance.
Sandbox Environment Pre-configuration
IP registration is required for the sandbox environment. In the Point Damoa sandbox environment, the merchant server's public IP address must be pre-registered with Point Hub. Without registration, the checkout window will not function properly in the sandbox. Registration method: Confirm your public IP and request registration from your sales representative.
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
- Point Damoa does not support partial cancellations. Please proceed with a full cancellation followed by re-approval.
Sales / Screening Related
- Authentication, payment, and fee methods must be coordinated with your sales representative.
- Sales inquiry:
Need technical support?
Code Samples
HectoFinancial GitHub