Bank transfers in Thailand

Interaction diagram

Payment processing by using the Bank transfers in Thailand payment method requires merchant's web service, one of Monetix interfaces (Payment Page or Gate), and the Monetix payment platform, as well technical facilities of the provider.

Operations support

	Interfaces			Amounts, THB		Times
	Payment Page	Gate	Dashboard	minimum	maximum	basic	threshold
Purchases				100.00	500,000.00	1 minute	30 minutes

You can check the payment amount limits in your project by using Dashboard. To check your payment amount limits, go to Dashboard, select the Projects section and click the Payment methods tab.

Processing scenarios

In the Bank transfers in Thailand method, to perform a purchase operation, you need to redirect customer to the provider service.

Restrictions

The number of purchases using the Bank transfers in Thailand method for the same user (with the same customer_id) for specific amount can be limited. In other words, if the user initiates multiple identical purchases but completes none of them, the purchases are combined in a single series in which only the data for the first purchase is sent to the provider service. Once the last purchase in the series is completed and assigned the final status, the rest of the purchases in the series are declined and the platform sends callbacks with the 3613 response code. (For more information about the codes, see Operation statuses and response codes.)

Monetix reserves the right to change the time-out period and the allowed number of attempts and will notify of any changes of these limits in a separate message.

The sections that follow provide detailed information about what you need to perform payments and how you can analyze the information on payments and operations.

General information

In the Bank transfers in Thailand method, when processing a purchase by using Payment Page, the merchant web service should send a request with all the required parameters and signature to the Monetix URL and get the callback with the payment result from the payment platform. When opening Payment Page, you can have Payment Page opened with the method selected. For more information about preselecting payment methods, see in Preselecting payment methods. The full sequence and particularities of the purchase process are provided below.

The sections that follow discuss in more details the request format and the Payment Page parameters to use in the Bank transfers in Thailand payment method and provide the information on the format of callbacks with payment results. For the general information on how to use the API, see Payment Page API Description.

Request format

There are several things you need to consider when using the Bank transfers in Thailand method:

1. You must provide values for the basic minimum of parameters. Listed below are the parameters that are mandatory for any payment method:
   • project_id—project ID you obtained from Monetix
   • payment_id—payment ID unique within the project
   • customer_id—unique ID of the customer within your project
   • customer_email—customer email
   • customer_first_name—customer first name. If the parameter is missing from the request, Payment Page will contain an additional field for the customer to enter missing information. For more information about additional information submission, see in Submission of additional payment information.
   • customer_last_name—customer last name. If the parameter is missing from the request, Payment Page will contain an additional field for the customer to enter missing information. For more information about additional information submission, see in Submission of additional payment information.
   • payment_currency—payment currency in ISO-4217 alpha-3 format
   • payment_amount—payment amount in minor currency units without any decimal point or comma except for cases where the currency does not have any minor currency units. If the currency has no minor units (that is, the number of digits for minor currency units is zero), then you must set this parameter to the amount in the major currency units. For the information on whether the currency has any minor units, see Currency codes.
2. If you need to have payment form displayed with the Bank transfers in Thailand method selected, set the force_payment_method parameter to bank-transfer-thailand.
3. If required, you can also add any other additional parameters Payment Page supports.
4. After you specify all the parameters you need, you must create the signature for the request. For instructions on how to sign a payment request, see Signature generation and verification.

Here is an example of data from a request for Payment Page opening:

EPayWidget.run(
    {
        project_id: 1234, 
        payment_id: 'payment_47',
        customer_id: 'customer_123',
        payment_amount: 30000, 
        payment_currency: 'THB', 
        customer_first_name: 'John', 
        customer_last_name: 'Doe', 
        customer_email: 'johndoe@email.com',
        signature: "kUi2x9dKHAVNU0FYldJrxhRLCvhtT4DqtVUkDJrOcZzUCwX6R\/ekpZhkIQg=="
    }
)

For information about all parameters available in the Bank transfers in Thailand method, see Payment Page invocation parameters.

Callback format

The Bank transfers in Thailand method uses the standard format for callbacks to deliver purchase results. For more information, see Callbacks in Payment Page.

The following is the example of a callback with an information about successful 300.00 THB purchase made in the 3514 project.

{
        "project_id": 3514,
        "payment": {
            "id": "EP0c8a-960e",
            "type": "purchase",
            "status": "success",
            "date": "2021-02-10T10:10:14+0000",
            "method": "Thailand bank transfer",
            "sum": {
                "amount": 30000,
                "currency": "THB"
            },
            "description": ""
        },
        "operation": {
            "id": 360,
            "type": "sale",
            "status": "success",
            "date": "2021-02-10T10:10:14+0000",
            "created_date": "2021-02-10T10:09:34+0000",
            "request_id": "cca222750e99b05bc6656ec2d82df16cbb241a7-00000001",
            "sum_initial": {
                "amount": 30000,
                "currency": "THB"
            },
            "sum_converted": {
                "amount": 30000,
                "currency": "THB"
            },
            "code": "0",
            "message": "Success",
            "provider": {
                "id": 2885,
                "payment_id": "161295179796",
                "auth_code": "",
                "date": "2021-02-10T10:09:57+0000"
            }
        },
        "signature": "9sHwkk4fbhwQg3PH/8ShWtbqgBZEcfaC+HnVrQe6DFFCQX14w=="
    }

The following is the example of a callback for a declined purchase.

{
        "project_id": 3514,
        "payment": {
            "id": "EP20e2-f529",
            "type": "purchase",
            "status": "decline",
            "date": "2021-02-10T10:17:53+0000",
            "method": "Thailand bank transfer",
            "sum": {
                "amount": 35000,
                "currency": "THB"
            },
            "description": ""
        },
        "operation": {
            "id": 362,
            "type": "sale",
            "status": "decline",
            "date": "2021-02-10T10:17:53+0000",
            "created_date": "2021-02-10T10:17:20+0000",
            "request_id": "3c4c7fd62077fb13939f918db3ad68ac67b6-00000001",
            "sum_initial": {
                "amount": 35000,
                "currency": "THB"
            },
            "sum_converted": {
                "amount": 35000,
                "currency": "THB"
            },
            "code": "20000",
            "message": "General decline",
            "provider": {
                "id": 2885,
                "payment_id": "161295225928",
                "auth_code": "",
                "date": "2021-02-10T10:17:39+0000"
            }
        },
        "signature": "OFk5zqGjZF7yAGjTdIY3vQs6i27N26bWHRM3hOBLgOg2n3pLoqTA=="
    }

Related topics

The following topics might be useful when implementing payments by using Payment Page:

• Integration procedure
• Signature generation and verification
• Payment types, operations and payments
• Operation statuses and response codes

General information

In the Bank transfers in Thailand method, when processing a purchase by using Gate, the merchant web service is required to do the following:

1. Send a request with all the required parameters and signature to the Monetix URL.
2. Perform the redirection of a customer to the provider service.
3. Get the callback with the payment result from the payment platform.

The following diagram provides the detailed picture of the payment processing procedure.

The sections that follow discuss in more details the request format and the Gate parameters to use in the Bank transfers in Thailand payment method and provide the information on the format of callbacks with purchase results.

Request format

There are several things you must consider when using purchase requests in the Bank transfers in Thailand method:

1. You perform purchases by sending the /v2/payment/bank-transfer/thailand/sale request by using POST (HTTP) method. This is a bank transferring request group: /v2/payment/bank-transfer/{payment_method}/sale
2. The following objects and parameters must be specified in any request:
   • general—object with general request identification information:
     • project_id—the project ID you obtained from Monetix
     • payment_id—payment ID unique within the project
     • signature—signature created after you specify all the required parameters. For more information about signature generation, see Signature generation and verification.
   • customer—object with customer information:
     • id—the unique ID of the customer within your project
     • ip_address—customer device IP
     • email—customer email
     • first_name—customer first name
     • last_name—customer last name
   • payment—object with purchase information:
     • amount—purchase amount in minor currency units without any decimal point or comma except for cases where the currency does not have any minor currency units. If the currency has no minor units (that is, the number of digits for minor currency units is zero), then you must set this parameter to the amount in the major currency units. For the information on whether the currency has any minor units, see Currency codes.
     • currency—code of purchase currency in the ISO-4217 alpha-3 format
   • return_url—object with URL(s) to return the customer to the web service:
     • success—the URL to redirect the customer to after the payment is successfully completed
3. The following parameters with the return URLs are optional, but we strongly advise you to specify them in the request to provide your customer a better user experience. If you don't specify any parameters of the return_url object in the request, by default Gate will redirect the customer to the URL specified in your project in Monetix.
   • return_url—object with the information where to redirect the customer to when the payment is completed or prematurely terminated by the customer:
     • decline—the URL to redirect the customer to after the payment is declined.
     • return—the URL to redirect the customer to when they prematurely terminate the payment. This URL is also used if the success and decline parameters are not specified in the request.
4. If required, you can also add any other additional parameters Gate supports.

Here is an example of data from a purchase request in the Bank transfers in Thailand method.

{
    "general": {
        "project_id": 1234,
        "payment_id": "payment_47",
        "signature": "PJkV8ej\/UG0Di8hTng6JvC7vQsaC6tajQVVfBaNIipTv+AWoXW\/9MTO8yJA=="
    },
    "payment": {
        "amount": 30000,
        "currency": "THB"
    },
    "customer": {
        "id": "customer_123",
        "ip_address": "198.51.100.47",
        "first_name": "John",
        "last_name": "Doe",
        "email": "johndoe@example.com"
     },
      "return_url": {
        "success": "https://example.com/success/",
        "decline": "https://example.com/decline/",
        "return": "https://example.com/return/" 
    } 
}

Formats of the customer redirection data

After receiving and processing your purchase request, the payment platform sends a callback to your web service containing the data to redirect the customer to the provider service.

To redirect the customer, use the values of the following parameters in the redirect_data object:

• url—the URL to redirect the customer to
• body—the data to be sent in the request body
• method—the HTTP method to get an HTML page of the website (for example, POST or GET)
• encrypted—this is the service parameter. Ignore the data it contains.

Here is an example of a piece of callback containing the data to redirect the customer.

"redirect_data": {
    "method": "POST",
    "body": [],
    "encrypted": [],
    "url": "https://example.com/redirect"
}

Callback format

The Bank transfers in Thailand method uses the standard format for callbacks to deliver purchase results. For more information, see Callbacks in Gate.

The following is the example of a callback with an information about successful 300.00 THB purchase made in the 3514 project.

{
        "project_id": 3514,
        "payment": {
            "id": "EP0c8a-960e",
            "type": "purchase",
            "status": "success",
            "date": "2021-02-10T10:10:14+0000",
            "method": "Thailand bank transfer",
            "sum": {
                "amount": 30000,
                "currency": "THB"
            },
            "description": ""
        },
        "operation": {
            "id": 360,
            "type": "sale",
            "status": "success",
            "date": "2021-02-10T10:10:14+0000",
            "created_date": "2021-02-10T10:09:34+0000",
            "request_id": "cca222750e99b05bc6656ec2d82df16cbb241a7-00000001",
            "sum_initial": {
                "amount": 30000,
                "currency": "THB"
            },
            "sum_converted": {
                "amount": 30000,
                "currency": "THB"
            },
            "code": "0",
            "message": "Success",
            "provider": {
                "id": 2885,
                "payment_id": "161295179796",
                "auth_code": "",
                "date": "2021-02-10T10:09:57+0000"
            }
        },
        "signature": "9sHwkk4fbhwQg3PH/8ShWtbqgBZEcfaC+HnVrQe6DFFCQX14w=="
    }

The following is the example of a callback for a declined purchase.

{
        "project_id": 3514,
        "payment": {
            "id": "EP20e2-f529",
            "type": "purchase",
            "status": "decline",
            "date": "2021-02-10T10:17:53+0000",
            "method": "Thailand bank transfer",
            "sum": {
                "amount": 35000,
                "currency": "THB"
            },
            "description": ""
        },
        "operation": {
            "id": 362,
            "type": "sale",
            "status": "decline",
            "date": "2021-02-10T10:17:53+0000",
            "created_date": "2021-02-10T10:17:20+0000",
            "request_id": "3c4c7fd62077fb13939f918db3ad68ac67b6-00000001",
            "sum_initial": {
                "amount": 35000,
                "currency": "THB"
            },
            "sum_converted": {
                "amount": 35000,
                "currency": "THB"
            },
            "code": "20000",
            "message": "General decline",
            "provider": {
                "id": 2885,
                "payment_id": "161295225928",
                "auth_code": "",
                "date": "2021-02-10T10:17:39+0000"
            }
        },
        "signature": "OFk5zqGjZF7yAGjTdIY3vQs6i27N26bWHRM3hOBLgOg2n3pLoqTA=="
    }

Related topics

The following topics might be useful when implementing payments through Gate:

• Integration procedure
• Signature generation and verification
• Payment types, operations and payments
• Operation statuses and response codes

As with other payment methods Monetix offers, when using this method, you have several options to analyze the information about payments and operations.

You can load and analyze all the necessary information in Dashboard (dash-light.trxhost.com), for instance you can use the analytic panels in the Analytics section for this purpose.

Also, you can export the information for further analysis by using third party analytical tools. The following options are available:

• Dashboard allows you to download reports in CSV format by using the tools in the Reports section. You can perform export as a one-time or regular download of data to your local computer.
• Data API allows you to have payment information exported in JSON format and delivered to a URL you specify. The payment information is exported by means of sending requests to the /operations/get endpoint.

If you have any further questions regarding payment data analysis, contact Monetix technical support.