Direct Debit registration and API pay

Introduction

SCB provide new Payment Gateway direct debit to e-commerce partners. To have ability to receive direct debit payment real-time from registered SCB accounts via EASY app and ATM channels. Merchant can deduct SCB account real-time on merchant’s application and web-view. This feature enables e-commerce partners to design their own customer experiences by leveraging SCB’s direct debit services in order to provide customized journey to their customers. services offer three main functions to facilitate a direct debit payment which are OAuth token for authentication, payment request, and payment result inquiry.

Note: Sandbox version provided only SCB EASY app channel. For Live version please contact gts_collection@scb.co.th.

APIs

There are 4 APIs as listed below:

1. Customer Registration Initiation

This feature provides a customer with two authentication options to complete direct debit registration via 2 channels below.

• SCB EASY app

  Online Customer Registration with SCB EASY App – This option allows customer to authenticate identity by SCB EASY App PIN.

• ATM

  Online Customer Registration with SCB ATM / Debit Card – This option allows customer to authenticate identity using personal and SCB ATM / Debit Card information.

The Online Customer Registration services offer three main functions to facilitate a direct debit registration which are OAuth token for authentication, web registration request, and check registration result inquiry.

User journey

• Online Customer Registration with SCB EASY App

• Online Customer Registration with SCB ATM / Debit Card

2. Customer Registration Inquiry

This feature provides a merchant partners able to check customer’s registration status from SCB Payment Gateway Direct Debit via APIs.

Prerequisites

• API Authentication – Required
• Type of Authentication – OAuth token
• OAuth Grant Type – Client Credentials
• Data Encryption – Required

Technical Flow

Reference API

Seq No.	API Name	API Endpoint
2,10	Request Access Token	POST /v1/oauth/token
4	Request Web Registration	POST /v1/registration/web/init
9	Host to Host Registration Status	Host to Host Registration Status (POST)
12	Request Registration Result	POST /v1/registration/inquiry

3. Direct Debit Payment

This feature provides merchant to generate charge direct to payer’s account via API Pay feature enables e-commerce partners to design their own customer experiences in order to provide customized journey to their customers.

4. Direct Debit Payment Inquiry

This feature provides merchant partners able to check status of payment transaction from SCB Payment Gateway Direct Debit.

User journey

Prerequisites

• API Authentication – Required
• Type of Authentication – OAuth token
• OAuth Grant Type – Client Credentials
• Data Encryption – Required

Technical Flow

Reference API

Seq No.	API Sequence and Name	API Endpoint
2,8	Request Access Token	POST /v1/oauth/token
4	Request API Payment	POST /v1/payment/direct/ddpay
10	Inquire Payment Status	POST /v1/payment/inquiry