헥토파이낸셜 개발자센터

White-Label

The White-Label service extends the Easy Cash Payment service by adding credit card as a payment method,
enabling client companies to operate an easy payment service (Easy Cash + Credit Card).

After registering as a member and setting up a PIN and payment method, customers can make easy payments using only their PIN going forward.

NOTE

White-Label core flow. Member registration and payment PIN setup via identity verification → Payment method registration → Easy payment with PIN.

Payment Methods

Hecto Financial White-Label supports two payment methods — Easy Cash Payment and Credit Card Payment — through a single unified interface.

Key Features

Easy Cash Payment and credit card can be used simultaneously and can be customized as a branded pay service. [Key Features]

  • Brand Consistency: For cases where you want to offer a payment service under your own brand / Brand pay customization supported`
  • Unified Payment: Provides multiple payment methods through a single interface

Payment Flow

  • After authentication is completed in the checkout, approval is requested via API.
  • Authentication and approval cannot be completed using API alone.

Checkout Integration

The merchant's web page calls the Hecto Financial White-Label checkout. The customer completes the entire process — member registration, PIN registration, payment method registration, and payment authentication — within the checkout.

Customer
Merchant
Hecto Financial
11. Service usage request
22. Call checkout (UI)
33. Display identity verification and member registration screen
44. Register PIN
55. Register payment method (account/card)
66. Payment authentication request (enter PIN)
77. Authentication result nextUrl

각 단계 상세

  1. 1Service Usage Request : The customer requests a payment at the merchant.
  2. 2Call Checkout : The merchant calls the Hecto Financial White-Label checkout.
  3. 3Identity Verification and Member Registration : First-time users go through identity verification to register as a member.
  4. 4Register PIN : The customer registers a PIN to be used for payments.
  5. 5Register Payment Method : The customer registers a bank account or credit card as a payment method.
  6. 6Payment Authentication : The customer enters their PIN with the registered payment method to request payment authentication.
  7. 7Authentication Result Delivered : Hecto Financial delivers the authentication result to the merchant's nextUrl.
The checkout only processes up to authentication. After authentication is complete, the merchant server must call the Approval API to complete the actual payment. The nextUrl is for display purposes only; actual order processing logic should be based on the Approval API response.

결제창 vs API 비교

항목결제창 연동API 연동
ScopeMember registration, PIN registration, payment method registration, payment authenticationApproval request, cancellation request, transaction result inquiry
Communication MethodCall Hecto Financial checkoutServer-to-Server API call
Content-Typeapplication/x-www-form-urlencodedapplication/json

Pre-Integration Checklist

Caution When Testing in Production Environment

Any costs incurred when testing with the merchant ID (mchtId) in the production environment are the responsibility of the merchant.

White-Label Developer Documentation

🪟

Checkout Integration

How to call the standard checkout (UI)

💳

Payment API

Payment approval API (Non-UI)

↩️

Cancellation API

Payment cancellation and refund

💬

Need technical support?