What is Prepaid Wallet?
Prepaid Wallet is a platform that makes it easy to build a prepaid money service
where customers can make payments using pre-charged balance.
In general, operating a prepaid service requires a license for "prepaid electronic payment instrument issuance" under the Electronic Financial Transactions Act.
By using Hecto Financial's Prepaid Wallet,
you can quickly introduce a brand-exclusive prepaid money and points service without the need to obtain a complex financial license.
If you are planning to build easy payment features such as brand-exclusive points, money, prepaid cards, gift cards, or rewards, please review the information below.
Prepaid Wallet Service Features ⸰ Launch prepaid services quickly ⸰ 100% safe management of prepaid funds ⸰ Brand money that drives customer return visits
Prepaid Wallet Features
Prepaid Wallet provides an integrated set of features needed for prepaid services, including balance top-up, usage, gifting, points earn/use, and balance management.
Prepaid balance can be topped up using a variety of payment methods, including credit cards and bank transfers. Auto top-up functionality provides a convenient payment experience.
Service Flow
- Member registration and profile management require UI integration.
- Core features such as top-up, usage, and inquiry are handled via API integration.
UI Integration
Member registration and profile management are handled by calling the UI screens provided by Hecto Financial. Complex procedures such as identity verification, account authentication, and KYC are handled within the screen, reducing the development burden on merchants.
각 단계 상세
- 1Member Registration Request : The customer requests to sign up for the Prepaid Wallet service at the merchant.
- 2Check Registration Status : The merchant calls the member info inquiry API to check if the customer is already registered.
- 3Unregistered Member Response : Hecto Financial responds that the customer is not yet registered.
- 4Call Registration Screen : The merchant calls the Hecto Financial member registration screen.
- 5Identity/Account Verification and KYC : The customer completes the identity verification, account authentication, and KYC procedures.
- 6Registration Complete : Hecto Financial issues a customer number (custNo) to the merchant.
결제창 vs API 비교
| 항목 | 결제창 연동 | API 연동 |
|---|---|---|
| Scope | Member registration, profile management | Top-up, usage, gifting, points, balance inquiry, withdrawal |
| Communication Method | Call Hecto Financial UI screen | Server-to-Server API call |
| Required | UI integration required for registration/profile | API integration required for core features |
Pre-Integration Checklist
Before starting integration, please review the following items in advance.
Must Verify Member Registration Status
UI Integration Checklist
- Before entering the registration page, confirm the customer is not yet registered via the member info inquiry API. Error code (103) will be returned if an already-registered member enters the registration page.
- The profile page will return an error if accessed by an unregistered user. Always verify registration status before calling it.
- If the payment PIN is entered incorrectly 5 or more times, the account will be locked. The account can be unlocked via the payment PIN reset menu on the profile page.
- In the test environment, real transactions do not occur. For 1-KRW authentication, please request that your merchant ID be registered as an exception with the company.
Other Notes
- Test server deployments may occur between 1:00 PM and 2:00 PM on business days.
- TLS 1.2 or higher is recommended.
Need technical support?
Code Samples
HectoFinancial GitHub