헥토파이낸셜 개발자센터

Digital Wallet Payment

Digital wallet payment is a payment method that provides major digital wallet services such as KakaoPay, NaverPay, PAYCO, and TossPay through a unified interface.

Buyers can pay quickly with just a password or fingerprint using the payment method already registered in their digital wallet app,
which helps improve payment conversion rates.

NOTE

Key flow for digital wallet payments. Buyer selects digital wallet → Authentication in digital wallet app → Payment complete.

Supported Features by Digital Wallet Provider

KakaoPayCheckout ✓API ✓

A payment method using a card or account registered in the KakaoTalk app. Payments can be completed quickly with just a password or fingerprint authentication in the KakaoTalk app.

  • Supports recurring payments (billing). A dedicated recurring payment merchant ID is required.

Learn About the Payment Flow

Checkout Integration

When the merchant's webpage calls the Hecto Financial checkout window, the buyer selects a digital wallet provider and proceeds with authentication in the respective app.

Buyer
Merchant
Hecto Financial
Digital Wallet Provider
11. Select digital wallet (KakaoPay/NaverPay, etc.)
22. Launch checkout (set corpPayCode)
33. Launch digital wallet app/web
44. Password/fingerprint authentication
55. Deliver authentication result
66. Result notification (notiUrl)

각 단계 상세

  1. 1Select Digital Wallet : The buyer selects a digital wallet payment method from the order form.
  2. 2Launch Checkout : The merchant calls the JavaScript SDK. The digital wallet provider is specified via corpPayCode.
  3. 3Launch Digital Wallet App : The respective digital wallet provider's app or web page opens.
  4. 4Authentication : The buyer approves the payment with a password or fingerprint.
  5. 5Deliver Result : The digital wallet provider delivers the authentication result to Hecto Financial.
  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.

결제창 vs API 비교

항목결제창 연동API 연동
Supported ProvidersKakaoPay, NaverPay, PAYCO, TossPayKakaoPay (recurring payment)
Payment UIHecto Financial checkout → Digital wallet appNo checkout window (server-to-server communication)
Customer AuthenticationAuthentication in digital wallet appNo authentication required (uses BillKey)

Pre-Integration Checklist

Before starting digital wallet payment integration, it is helpful to confirm the following items in advance.

Sandbox Environment Notes

Real charges may occur with KakaoPay in the sandbox environment. If using our test merchant ID, automatic cancellation will be processed on the same day.

Merchant ID Related

  • KakaoPay recurring payments require a dedicated recurring payment merchant ID. Please request one from your sales representative.
  • Merchant IDs differ between sandbox and production environments.

Other Notes

  • The payment methods and features supported vary by digital wallet provider. Please confirm the supported scope of each provider before integrating.

Sales / Screening Related

  • Screening may be required per digital wallet provider. Please coordinate with your sales representative.
  • Cancellation/refund policies may differ by digital wallet provider.
  • Sales inquiry:

Digital Wallet Payment Developer Documentation

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Digital Wallet Checkout API

Integrated digital wallet payment request (method='corp')

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Recurring Payment (BillKey) API

KakaoPay recurring payment, etc.

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Digital Wallet Payment Cancellation API

Cancellation request per digital wallet provider

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