Introduction
Welcome to our Payment Gateway System
Our powerful web-based online payment services platform, a trusted solution utilized by numerous renowned companies and organizations in the region. Our system offers a secure, multi-channel, multi-lingual, and multi-currency payment experience.
Integration Methods:
Choose the integration method that best suits your needs:
Web Integration | Mobile Integration |
Client Post through Browser (e.g. Shopping Cart) This method is favoured by merchants for its simplicity and speed. It enables swift website integration, ensuring a seamless user experience with a streamlined transaction flow. | This section explains the integration of PaySDK Android SDK in merchant android mobile application. |
Tailored for Online Shopping Carts, this method uses HTML and JavaScript for broad compatibility, ensuring a seamless experience | This section explains integration of PaySDK iOS SDK in merchant iOS mobile application. |
Server Side Direct Connection (e.g. IVR System, Mobile App) Merchants request payment authorization via our gateway, pending bank approval. They integrate their IVR or app, and create a custom payment page | Merchants can seek direct payment authorization from the bank via our gateway, pending acquiring bank approval. They'll set up a custom payment page to collect information like credit card details, which will be sent to a specific URL provided by the acquiring bank. Customers won't encounter a bank payment page in this process. |
Purpose of this Document:
This technical specification document prescribes the constituent parts of specification for integration of an e-commerce web site with PayDollar/SiamPay/PesoPay e-commerce service, the on-line payment service by AsiaPay (HK) Limited, by subscribed merchants of the service. This document has been created to ensure that all technical specifications contain sufficient information to enable a merchant to design and modify the codes of an existing on-line shopping architecture or software to cater for the payment –enabling service. It also provides a checklist to enable the reviewers of specifications to conduct tests on the functionalities of the integration.
Enhanced Security with 3DS 2.0:
There is an extra parameter section under each connection method. That section is especially designed for 3DS 2.0 (Three Domain Secure 2.0). 3DS authentication is an additional security layer for card-not-present transactions. With 3DS 2.0, it is aimed to achieve a better, stronger fraud-detection intelligence.
Merchant API Functions:
In a later section, we'll provide an in-depth description of the various API functions available to subscribed merchants, ensuring a seamless integration process.
Thank you for choosing our payment gateway system. Let's get started.
Web Integration
Following are the three methods of Web Integration
Mobile Integration
Data Feed Handling
To use data feed function, merchant has to create a data feed page and inform payment gateway system about the location of your page (e.g. http://www.yourdomain.com/datafeed.jsp). Merchant can enable or disable this function in the merchant administration site.
Transaction Security By Secure Hash
Multi-Currency Processing Service
Functions Of Merchant API
Exceptional Transaction Handling
This section explains various scenarios of transactions, other than good and successful transactions that may occur.
Payment Methods by Regions/Countries
Australia
Payment Options | Payment Methods |
Credit and Debit Card | American Express, China UnionPay, Mastercard, Visa |
Internet Banking | PayTo, PayID |
Digital Wallet | Alipay, PayPal, PayID, WechatPay |
Buy Now Pay Later | AfterPay, Humm, Zip |
China
Payment Options | Payment Methods |
Credit and Debit Card | American Express, JCB, Mastercard, Visa |
Digital Wallet | Alipay, WechatPay |
Hong Kong
Payment Options | Payment Methods |
Credit and Debit Card | American Express, China UnionPay, Diners, Discover, JCB, Mastercard, Visa |
Digital Wallet | Alipay, Alipay HK, WeChat Pay, Paypal, BoC Pay, PayMe, Octopus, FPS, PPS, Google Pay, Samsung Pay, Apple Pay |
Bank Account and Net Banking | FPS, PPS |
Global (no grouping) | Apple Pay, Google Pay, Samsung Pay, Click to Pay |
Installment | Visa Instalment |
India
Payment Options | Payment Methods |
Credit and Debit Card | American Express, Mastercard, RuPay, Visa |
Bank Account and Net Banking | NetBanking, UPI |
Digital Wallet | ITZ Cash Card, Mobikwik, PhonePe, Yes Bank Wallet |
Installment | EMI |
Indonesia
Payment Options | Payment Methods |
Credit and Debit Card | American Express, JCB, Mastercard, Visa |
Bank Account and Net Banking | BCA KlikPay, BNI Virtual Account, CIMB Clicks, Danamon Virtual Account, Mandiri Clickpay, Permata Virtual Account |
Over-the-counter | Alfamart Group, Indomaret |
Digital Wallet | Dana |
Buy Now Pay Later | Kredivo, Indodana |
Japan
Payment Options | Payment Methods |
Digital Wallet | Alipay HK |
Korea
Payment Options | Payment Methods |
Credit and Debit Card | MasterCard, Virtual Account, Visa |
Digital Wallet | Naver Pay, Kakao Pay, PayCo |
Others | Toss |
Macau
Payment Options | Payment Methods |
Credit and Debit Card | American Express, JCB, Mastercard, Visa |
Crypto | BNB (Binance), BTC (Bitcoin), ETH (Ethereum), LBTC (Lightning Bitcoin), USDC (USD Coin), USDT (Tether) |
Others | ALIPAYHKONL, WECHATONL |
Malaysia
Payment Options | Payment Methods |
Credit and Debit Card | American Express, China UnionPay, Discover, JCB, Mastercard, Visa |
Bank Account and Net Banking | FPX |
Crypto | BNB (BINANCE), BTC (Bitcoin), ETH (Ethereum), LBTC (Lightning Bitcoin), USDC (USD Coin), USDT (Tether) |
Digital Wallet | Alipay, WechatPay, PayPal , BOOST, TouchnGo, Scan & Pay by MAE, GrabPay, Shopback Pay |
Buy Now Pay Later | Atome, PayLater by Grab |
Philippines
Payment Options | Payment Methods |
Credit and Debit Card | American Express, China UnionPay, Diners, Dicover, JCB, Mastercard, Visa |
Bank Account and Net Banking | BDO (Brankas), BPI, Landbank (Brankas), Metrobank (Brankas), RCBC (Brankas), Unionbank (Brankas) |
Digital Wallet | Gcash, Grabpay, ShopeePay, MAYA, Alipay, Wechatpay |
Over-the-counter | Bayad Center, BDO, Cebuana, ECPay, RCBC |
Others | PayPal |
Buy Now Pay Later | TendoPay |
Singapore
Payment Options | Payment Methods |
Credit and Debit Card | American Express, China UnionPay, Diners, Discover, JCB, Mastercard, Visa |
Bank Account and Net Banking | ENETS, PayNow |
Crypto | BNB (Binance), BTC (Bitcoin), ETH (Ethereum), LBTC (Lightning Bitcoin), USDC (USD Coin), USDT (Tether) |
Digital Wallet | GrabPay, Shopback Pay, ShopeePay, Alipay, Wechatpay, SGQR, PayPal |
Buy Now Pay Later | Atome, PayLater by Grab, Shopee SPayLater |
Taiwan
Payment Options | Payment Methods |
Global (no grouping) | Apple Pay, Google Pay, Samsung Pay |
Credit and Debit Card | JCB, MasterCard, Visa |
Digital Wallet | Linepay, Jkopay, Apple Pay , Google Pay |
Thailand
Payment Options | Payment Methods |
Global (no grouping) | GooglePay |
Credit and Debit Card | American Express, China UnionPay, JCB, Mastercard, Visa |
Bank Account and Net Banking | BAY, BBL, KBANK, SCB, TMB, UOB |
Digital Wallet | Paypal |
Buy Now Pay Later | Atome |
Over-the-counter | BBL, Kbank, KTB, Lotus, Mpay, TTB, UOB |
Vietnam
Payment Options | Payment Methods |
Credit and Debit Card | American Express, JCB, Mastercard, Visa |
Internet Banking | NAPAS (43 banks), OnePay |
Buy Now Pay Later | Kredivo |
Digital Wallet | MoMo |
FAQ
Appendix A
3D transaction
As 3D Authentication require your customers to enter the password of their cards, your clients’ browser will be redirected to a 3D notification web page in order to notify your customers that they need to complete the 3D Authentication by entering the password in the pop-up window. Below are some sample pages for the case of Verified By VISA.
After the authentication process, the authentication result will forward to our system and the transaction process will be further continued by our acquiring bank according to the authentication result.
Non-3D transaction
Your client’s browser will be redirected from your site to our payment page and then we will redirect the page to your successful/fail page upon completed the transaction.
Payment Flow
Client-Post-Through-Browser
Credit Card
Credit Card with Installment
Other
Alternative Payment Method Flow
Bill Payment
Bill Payment Flow (BPM)
Virtual Account
Permata, BII and BCA Virtual Account (VA) Payment Flow
It is notable that the software codes of the payment routine, whose example is as given, should be embedded into the integration page, as in above, which should be able to generate the sum of purchase from the previous shopping practice of the user. The subsequent parts of the flow would be directed to system architecture in which the payment details are to be submitted by the user, and handled for settlement and clearance.
Direct-Client-Side-Connection
PayDollar/SiamPay/PesoPay Payment Response Code
PayDollar/SiamPay/PesoPay Payment Response Code is composed of the following items:
Primary Response Code (PRC)
The primary response code is the main response code used for identifying the authorization status of a payment transaction.
The following table provides a summary of all the response codes which may be returned:
PRC | Description |
0 | Success |
1 | Rejected by Payment Bank |
3 | Rejected due to Payer Authentication Failure (3D) |
9 | Rejected by Other Reason (Please check the Reject Reason at the transaction) |
-1 | Rejected due to Input Parameters Incorrect |
-2 | Rejected due to Server Access Error |
-8 | Rejected due to PayDollar Internal/Fraud Prevention Checking |
-9 | Rejected by Host Access Error |
-10 | PaySDK Error |
Secondary Response Code (SRC)
The secondary response code provides the detail description corresponding to the primary response code.
List of Response Code
List of Country Code
This list shows the country names and risk level of individual country code.
High Risk Country
Country Code | Country Name |
AF | Afghanistan |
AO | Angola |
Balkans | |
BG | Bulgaria |
BY | Belarus |
CG | Republic of Congo |
CL | Ivory Coast |
CM | Cameroon |
CF | Central African Republic |
CU | Cuba |
EG | Egypt |
ET | Ethiopia |
ER | Eritrea |
GH | Ghana |
GW | Guinea-Bissau |
HT | Haiti |
IL | Israel |
IR | Iran |
IQ | Iraq |
KP | North Korea |
LB | Lebanon |
LR | Liberia |
LY | Libya |
LU | Lithuania |
MA | Morocco |
MM | Burma |
MY | Malaysia |
ML | Mali |
NG | Nigeria |
PK | Pakistan |
RW | Rwanda |
RO | Romania |
RU | Russian Federation |
SS | South Sudan |
Southern Rhodesia | |
SL | Sierra Leone |
SO | Somalia |
SY | Syria |
TR | Turkey |
UA | Ukraine |
VE | Venezuela |
VN | Vietnam |
YE | Yemen |
YU | Yugoslavia |
ZW | Zimbabwe |
Non-High-Risk Country
Country Code | Country Name |
A2 | Satellite Provider |
AD | Andorra |
AE | United Arab Emirates |
AI | Anguilla |
AL | Albania |
AM | Armenia |
AN | Netherlands Antilles |
AP | Asia/Pacific Region |
AQ | Antarctica |
AR | Argentina |
AS | American Samoa |
AT | Austria |
AU | Australia |
AW | Aruba |
AZ | Azerbaijan |
BA | Bosnia and Herzegovina |
BB | Barbados |
BD | Bangladesh |
BE | Belgium |
BF | Burkina Faso |
BG | Bulgaria |
BH | Bahrain |
BI | Burundi |
BJ | Benin |
BM | Bermuda |
BN | Brunei Darussalam |
BO | Bolivia |
BR | Brazil |
BS | Bahamas |
BT | Bhutan |
BV | Bouvet Island |
BW | Botswana |
BZ | Belize |
CA | Canada |
CD | Congo |
CI | Cote D'Ivoire |
CK | Cook Islands |
CL | Chile |
CN | China |
CO | Colombia |
CR | Costa Rica |
CY | Cyprus |
CZ | Czech Republic |
DE | Germany |
DJ | Djibouti |
DK | Denmark |
DM | Dominica |
DO | Dominican Republic |
DZ | Algeria |
EC | Ecuador |
EE | Estonia |
ES | Spain |
EU | Europe |
FI | Finland |
FJ | Fiji |
FK | Falkland Islands (Malvinas) |
FM | Micronesia |
FO | Faroe Islands |
FR | France |
GA | Gabon |
GB | United Kingdom |
GD | Grenada |
GE | Georgia |
GF | French Guiana |
GI | Gibraltar |
GL | Greenland |
GM | Gambia |
GN | Guinea |
GP | Guadeloupe |
GQ | Equatorial Guinea |
GR | Greece |
GT | Guatemala |
GU | Guam |
GY | Guyana |
HK | Hong Kong |
HM | Heard Island and McDonald Islands |
HN | Honduras |
HR | Croatia |
HU | Hungary |
ID | Indonesia |
IE | Ireland |
IN | India |
IO | British Indian Ocean Territory |
IS | Iceland |
IT | Italy |
JM | Jamaica |
JO | Jordan |
JP | Japan |
KE | Kenya |
KG | Kyrgyzstan |
KH | Cambodia |
KI | Kiribati |
KM | Comoros |
KN | Saint Kitts and Nevis |
KR | Korea |
KW | Kuwait |
KY | Cayman Islands |
KZ | Kazakstan |
LA | Lao People's Democratic Republic |
LB | Lebanon |
LC | Saint Lucia |
LI | Liechtenstein |
LK | Sri Lanka |
LS | Lesotho |
LU | Luxembourg |
LV | Latvia |
MD | Moldova |
MG | Madagascar |
MH | Marshall Islands |
MK | Macedonia |
MN | Mongolia |
MO | Macau |
MP | Northern Mariana Islands |
MQ | Martinique |
MR | Mauritania |
MS | Montserrat |
MT | Malta |
MU | Mauritius |
MV | Maldives |
MW | Malawi |
MX | Mexico |
MZ | Mozambique |
NA | Namibia |
NC | New Caledonia |
NE | Niger |
NF | Norfolk Island |
NI | Nicaragua |
NL | Netherlands |
NO | Norway |
NP | Nepal |
NR | Nauru |
NZ | New Zealand |
OM | Oman |
PA | Panama |
PE | Peru |
PF | French Polynesia |
PG | Papua New Guinea |
PH | Philippines |
PL | Poland |
PR | Puerto Rico |
PS | Palestinian Territory |
PT | Portugal |
PW | Palau |
PY | Paraguay |
QA | Qatar |
RE | Reunion |
SA | Saudi Arabia |
SB | Solomon Islands |
SC | Seychelles |
SE | Sweden |
SG | Singapore |
SI | Slovenia |
SK | Slovakia |
SM | San Marino |
SN | Senegal |
SO | Somalia |
SR | Suriname |
ST | Sao Tome and Principe |
SV | El Salvador |
SZ | Swaziland |
TC | Turks and Caicos Islands |
TD | Chad |
TF | French Southern Territories |
TG | Togo |
TH | Thailand |
TJ | Tajikistan |
TK | Tokelau |
TM | Turkmenistan |
TN | Tunisia |
TO | Tonga |
TT | Trinidad and Tobago |
TV | Tuvalu |
TW | Taiwan |
TZ | Tanzania |
UG | Uganda |
UM | United States Minor Outlying Islands |
US | United States |
UY | Uruguay |
UZ | Uzbekistan |
VA | Holy See (Vatican City State) |
VC | Saint Vincent and the Grenadines |
VG | Virgin Islands |
VI | Virgin Islands |
VU | Vanuatu |
WF | Wallis and Futuna |
WS | Samoa |
YT | Mayotte |
ZA | South Africa |
ZM | Zambia |
3DS Testing Cards
In order to facilitate the testing in 3DS 2.0, you may use the testing cards in the list below for simulating different scenarios.
- The existing testing cards are still valid to use, and they will be classified as "non-3D card" or "3DS 1.0 card".
- To test for payment failure case, use a different Expiry Date and/or Secure Code
Cards for 3DS 2.2 (Frictionless Flow)
Card Scheme | Card PAN | Expiry Date | Secure Code |
Visa | 4333880000200019 | 07/2030 | 123 |
Mastercard | 5422880000200018 | 07/2030 | 123 |
JCB | 3518910000200013 | 07/2030 | 123 |
American Express | 371891000200017 | 07/2030 | 1234 |
CUP | 6220230626000057 | 07/2030 | 1234 |
Discover | 6011000300002569 | 07/2030 | 1234 |
Cards for 3DS 2.2 (Challenge Flow)
Card Scheme | Card PAN | Expiry Date | Secure Code | One Time Passcode |
Visa | 4333880000200027 | 07/2030 | 123 | 123456 |
Mastercard | 5422880000200026 | 07/2030 | 123 | 123456 |
JCB | 3518910000200021 | 07/2030 | 123 | 123456 |
American Express | 371891000200025 | 07/2030 | 1234 | 123456 |
CUP | 6220230626000073 | 07/2030 | 123 | 123456 |
Discover | 6011000300002585 | 07/2030 | 123 | 123456 |
Cards for no 3DS
Card Scheme | Card PAN | Expiry Date | Secure Code |
Visa | 4918914107195005 | 07/2030 | 123 |
Mastercard | 5258950000000020 | 07/2030 | 123 |
JCB | 3528010000010021 | 07/2030 | 123 |
American Express | 378416000100026 | 07/2030 | 1234 |
Cards for 3DS 2.0 (Reject Case: transStatus = R)
Card Scheme | Card PAN | Expiry Date | Secure Code |
Visa | 4333880000200001 | 07/2030 | 123 |
Mastercard | 5422880000200034 | 07/2030 | 123 |
JCB | 3518910000200005 | 07/2030 | 123 |
American Express | 371891000200009 | 07/2030 | 1234 |
Cards for 3DS 2.0 (Failed Case: transStatus = N)
Card Scheme | Card PAN | Expiry Date | Secure Code |
Visa | 4333880000200092 | 07/2030 | 123 |
Mastercard | 5422880000200091 | 07/2030 | 123 |
JCB | 3518910000200039 | 07/2030 | 123 |
American Express | 371891000200033 | 07/2030 | 1234 |
Payment Status Classification
Status | Description |
Accepted | Transaction is completed |
Accepted_Adj | Completed transaction was refunded partial (Remind Amount) |
Authorized | Authorize Success |
Authorized_Adj | Transaction Partial Captured |
Captured | Transaction Captured |
Capturing | Transaction is in the process of being captured |
ChargeBack | Transaction reversed due to a dispute |
PartialChargeBack | A portion of the transaction is reversed due to a dispute. |
PartialRefunded | Transaction Partial Refunded |
Pending | Transaction is Processing |
Pending_feedback | Transaction is awaiting feedback or additional information |
Pending_3D | Transaction is awaiting 3D Secure authentication |
Refunded | Refund Completed (Settled Transaction) |
Rejected | Transaction Failed |
RequestPartialRefund | A partial refund for the transaction has been requested. |
RequestRefund | A full refund for the transaction has been requested. |
Reversal-Auth | Authorized transaction has been reversed, due to a cancellation or a failed payment. |
Voided | Void Completed (Non-Settle Transaction) |
Voiding | Transaction is in the process of being canceled. |
