Mobile Banking

Trusted Redirects Bundle

Mobile Banking in Thailand allows customers to complete payments directly through their bank's mobile application using real-time bank transfer rails. Consumers authenticate the transaction through their banking app after selecting their bank during checkout. The payment is processed instantly through Thailand's banking network, enabling merchants to receive funds securely and efficiently.

This guide will walk you through integrating Mobile Banking via API, covering essential steps like initiating payments, handling user redirection, checking payment statuses, and managing notifications.

Requirements

• API credentials - Ensure you have your EBANX integration key. If not, complete the Merchant Signup Form.
• Familiarity with EBANX Direct - This setup follows the same general structure as other payment methods, with a few unique parameters. See Direct API for more info.

Supported Banks

Bank Name	Bank Code
Bangkok Bank (Bualuang mBanking)	bbl
KBank (K PLUS)	kbank
Krung Thai (KTB NEXT)	ktb
Krungsri (KMA)	bay
SCB (SCB Easy)	scb

How it works

Web-to-App Flow

1. The customer selects Mobile Banking as the payment method during checkout.
2. The customer chooses their preferred bank from the list of supported banks.
3. A QR code is displayed on the customer's screen.
4. The customer logs into their bank application and scans the QR code.
5. The merchant receives a payment confirmation once the transaction is completed.

TIP

The QR code can only be scanned with the previously selected bank app.

App-to-App Flow

1. The customer selects Mobile Banking as the payment method.
2. The customer selects their bank from the available bank list.
3. The customer is redirected or deep-linked to the selected bank's mobile app.
4. The customer authenticates the payment within the banking app.
5. The merchant receives a success notification once the payment is confirmed.

Redirect behavior

When the redirect URL is rendered on the web, it generates a QR code which the customer scans using their selected bank app. When the redirect URL is rendered on mobile, it performs a redirect or deep link to the bank app.

Technical flow

• Request payment - Call the ws/direct endpoint with the parameters defined below.

• Payment instructions - In response to this request, EBANX will return a redirect link to the bank's payment environment, to which the merchant must redirect the customer to complete the transaction.

• Customer completes the payment - Once the customer is redirected, the transaction will be set on our platform with the status pending (PE).

• Payment confirmation - Once the transaction is successful, the customer receives a confirmation on their banking app, and the merchant is updated with the transaction status.

• EBANX notification - EBANX sends you a webhook notification confirming the successful transaction, allowing you to fulfill your customer's order.

• Learn more about Payment Notificationschevron_right
• Learn more about Retrieving Payment Statuschevron_right

Instructions

Follow the steps below.

1. Select your environment

   Select the appropriate environment for your integration. Use the sandbox environment for testing or the production environment for live transactions.

   Select the appropriate environment for your integration. Use the sandbox environment for testing, or the production environment for live transactions. Use the URL for your HTTP requests based on your selection.

   SandboxProduction

   https://sandbox.ebanx.com/ws/direct

2. Define your parameters

   To create a Mobile Banking payment, you need to define the parameters in your request. The following tables outline the required parameters for the payment process.

   Basic parameters

   Parameter	Requirement	Description
   operation	Required	Set to request
   integration_key	Required	Your EBANX integration key
   payment_type_code	Required	Set to mobile-banking
   country	Required	Set to th for Thailand

   Customer data

   Parameter	Requirement	Description
   name	Required	Customer name
   email	Required	Customer email
   phone_number	Optional	Customer phone

   Charge parameters

   Parameter	Requirement	Description
   merchant_payment_code	Required	Unique merchant payment code
   currency_code	Required	Supported value: THB
   amount_total	Required	Total amount to be charged
   bank_details.bank_code	Required	Bank code for the selected bank (see Supported Banks)
   redirect_url	Required	URL the customer is redirected to after payment completion

   Transaction Limits

   • Minimum: THB 20.00
   • Maximum: THB 150,000.00

   Please note these are generic limits. Actual limits may vary depending on the customer and their bank.

3. Payment request

   Once your customer submits a Mobile Banking payment, create a payment request using the ws/direct endpoint.

   
   

   Sample request

   curl -X POST \
     --location 'https://sandbox.ebanx.com/ws/direct' \
     --header 'Content-Type: application/json' \
     --data '{
       "integration_key": "{{integration_key}}",
       "operation": "request",
       "payment": {
           "name": "John Doe",
           "email": "john.doe@example.com",
           "country": "th",
           "phone_number": "5555555555",
           "payment_type_code": "mobile-banking",
           "merchant_payment_code": "{{unique_merchant_code}}",
           "currency_code": "THB",
           "amount_total": 99.85,
           "redirect_url": "https://merchant.example.com/callback",
           "bank_details": {
               "bank_code": "kbank"
           }
       }
     }'

4. Payment successful response

   A successful request will return a response similar to the example below.

   {
     "payment": {
       "hash": "59acc5f00945fa382ab051651440826da7701533249b3a475",
       "country": "th",
       "merchant_payment_code": "{{unique_merchant_code}}",
       "order_number": null,
       "status": "PE",
       "status_date": "{{YYYY-MM-DD HH:mm:ss}}",
       "open_date": "{{YYYY-MM-DD HH:mm:ss}}",
       "confirm_date": null,
       "transfer_date": null,
       "amount_br": "99.85",
       "amount_ext": "99.85",
       "amount_iof": "1",
       "currency_rate": "1",
       "currency_ext": "THB",
       "due_date": "{{YYYY-MM-DD}}",
       "instalments": "1",
       "payment_type_code": "mobile-banking",
       "redirect_url": "https://merchant.example.com/callback",
       "bank_details": {
         "bank_code": "kbank"
       },
       "pre_approved": false,
       "capture_available": null
     },
     "status": "SUCCESS"
   }

   At this stage, the payment will appear as pending (PE) in your

   EBANX Dashboardchevron_right
   
   
   redirect_url behavior

   Note that the address returned from EBANX in redirect_url on the response (the address to which the customer must be redirected to continue with the transaction within the bank environment) is different from the redirect_url specified by the merchant in the transaction request (the address to which the customer will be redirected at the end of the transaction).

5. Redirect customer to bank environment

   The merchant must use the redirect URL to direct the customer to the bank's mobile app (in case of mobile) or display the QR code (in case of web flow).

   "redirect_url": "https://merchant.example.com/callback"

   Each bank has its own payment timeout, which is not configurable:

   Bank Name	Web/QR Timeout	App/Mobile Timeout
   Bangkok Bank (Bualuang mBanking)	15 mins	15 mins
   KBank (K PLUS)	10 mins	3 mins
   SCB (SCB Easy)	30 mins	30 mins
   Krung Thai (KTB NEXT)	30 mins	30 mins
   Krungsri (KMA)	15 mins	15 mins

   Sandbox Behavior

   When testing in sandbox, a simulator environment will be rendered to accept or decline the payment.

6. Monitor payment for status changes

   After the customer completes the payment, EBANX will send a confirmed (CO) payment status to the merchant.

   Notifications

   • EBANX will send a notification whenever a payment status changes.

   • Make sure your system is set up to receive notifications from EBANX for any changes in payment status.

   • Learn more about Payment Notificationschevron_right

   Status

   • After receiving a notification that the status has changed, retrieve the payment status.

   • When a payment is confirmed, the status will change from pending (PE) to confirmed (CO). If the customer does not complete the payment, the status will eventually change to cancelled (CA).

   • Learn more about Retrieving Payment Statuschevron_right

7. Congratulations!

   You have successfully integrated Mobile Banking for Thailand.

   For more information, refer to the

   Direct API reference guidechevron_right

Resources

Use the following resources when testing in your sandbox environment.

API Reference

Click here to access detailed API documentation to integrate efficiently.

Click to explorechevron_right

Mock Customer Data

Click here to view mock customer data for testing and validating user flows.

Click to explorechevron_right

Error Codes

Click here to review common error codes to troubleshoot and resolve issues quickly.

Click to explorechevron_right

Still need help?

We hope this article was helpful. If you still have questions, you can explore the following options:

• Merchant support: Contact our support team at sales.engineering@ebanx.com for assistance.
• Not a partner yet? Please complete the Merchant Signup Form, and our commercial team will reach out to you.