TrueMoney

Trusted Redirects Bundle

TrueMoney is a digital wallet payment method in Thailand that allows customers to make fast and secure payments across online and offline merchants. By integrating TrueMoney, merchants can offer a seamless checkout experience for Thai customers on both web and mobile.

TrueMoney supports two flows from a single integration: a QR code flow for desktop web checkout and a deep link redirect flow for mobile. Payments are processed in real time via the TrueMoney app.

This guide outlines the key concepts and implementation details required to integrate TrueMoney via API. It covers essential steps such as creating a payment request, handling customer redirection, and monitoring payment status.

Requirements

• API authentication - All API requests must be authenticated using JWS (JSON Web Signature). The legacy integration_key is being deprecated — if you still use it, follow the Migration Guide to transition to JWS. If you don't have credentials yet, 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 EBANX Direct for more info.

How it works

Web flow

1. The customer selects TrueMoney as their payment method at checkout.
2. A QR code is displayed on the screen.
3. The customer opens the TrueMoney app on their mobile device and scans the QR code.
4. The customer authenticates using their device PIN or biometrics and confirms the payment.
5. The merchant receives a success notification after confirmation.

Mobile app flow

1. The customer selects TrueMoney as their payment method at checkout.
2. A deep link is triggered, automatically opening the TrueMoney app on the customer's device.
3. The customer reviews the payment details in the TrueMoney app.
4. The customer authenticates using their device PIN or biometrics and confirms the payment.
5. The merchant receives a success notification after confirmation.

Payment sources

TrueMoney app redirection allows customers to make payments using the following methods:

• TrueMoney Wallet (wallet balance)
• Bank account
• Credit/debit card

Payment confirmation

Once the transaction is successful, the customer receives a confirmation on their TrueMoney app, and the merchant is updated with the transaction status. EBANX sends you a notification confirming the successful transaction, allowing you to fulfill your customer's order.

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. Use the URL for your HTTP requests based on your selection.

   SandboxProduction

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

2. Create a TrueMoney payment

   To create a TrueMoney payment, define the parameters in your request. The following tables outline the required parameters for the payment process.

   Basic parameters

   Parameter	Requirement	Description
   integration_key	Required	Your EBANX integration key
   payment_type_code	Required	Set to truemoney
   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 number

   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
   redirect_url	Optional	Merchant URL to redirect the customer after payment

   Transaction limits

   TrueMoney has a minimum amount of THB 20.00 and a maximum of THB 50,000.00 per transaction.

3. Send payment request

   Send the following request to initiate a TrueMoney payment.

   cURL Request (Sandbox Example)

   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": "truemoney",
         "merchant_payment_code": "{{unique_merchant_code}}",
         "currency_code": "THB",
         "amount_total": 99.85,
         "redirect_url": "https://merchant.example.com/callback"
       }
     }'

   
   

   API Response Example

   A successful request will return a response similar to this:

   {
     "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": "truemoney",
       "pre_approved": false,
       "capture_available": null,
       "truemoney": {
         "redirect_url": "{{redirect_url}}"
       }
     },
     "status": "SUCCESS"
   }

   The redirect_url inside the truemoney object is the deep link that triggers the TrueMoney app on mobile. Redirect the customer to this URL on mobile checkout. When rendered on desktop, this URL will display a QR code for the customer to scan.

   Session expiration

   TrueMoney QR codes and redirect sessions expire after 3 minutes. If the customer does not complete payment within this window, the transaction will fail and the status will be set to canceled (CA).

   When testing in sandbox, a simulator environment will be rendered, allowing you to accept or decline the payment without communicating directly with TrueMoney.

4. Monitor payment for status change

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

   EBANX Dashboardchevron_right

   After the customer completes the payment, EBANX will send a CO (confirmed) 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 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 within 3 minutes, the status will change to canceled (CA).

   • Learn more about Retrieving Payment Statuschevron_right

   Refunds

   TrueMoney charges can only be refunded within 30 days after the charge is created.

5. Congratulations!

   You have successfully integrated TrueMoney.

   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.