Korea–Payco

Accept PayCo in Korea, a digital wallet that currently represents 10% market share and is expected to grow. Recurring payments are supported.

Create a PayCo payment method for your app or website in three easy steps:
​Build a PayCo Source Request object.
​Create a PayCo source using DigitalRiver.js.
​Authorize the PayCo source.
​Use the authorized source.
Step 1. Build a PayCo Source Request and Details object
Build the PayCo Source Request and Details objects. 
PayCo Source Request object
The PayCo Source Request object requires the following fields.
Field
Value
type
payco
amount
The total value of the transaction.
currency
The currency of the transaction. For PayCo (Korea payments), you must specify KRW as the currency.
owner
An Owner object.
payco
A PayCo Source Details object.
PayCo Source Details object
The PayCo Source Details object requires the following fields.
{
    "returnUrl": "https://example.com"
}
Field
Required/Optional
Description
returnUrl
Required
If you choose to use the full redirect flow, this is where you will redirect your customer to after authorizing or canceling within the PayCo experience.
Step 2. Create a PayCo source using DigitalRiver.js
To create a PayCo payment source, you must use the createSource method exposed via DigitalRiver.js.
var data = {
    "type": "payco",
    "sessionId": "ea03bf6f-84ef-4993-b1e7-b7d5ecf71d1f",
    "owner": {
        firstName: "John",
        lastName: "Doe",
        email: "test@digitalriver.com",
        address: {
            line1: "1234 Fake Street",
            line2: "Yaum-dong",
            city: "Ulsan-si",
            state: "Kyongsangnamdo",
            postalCode: "100-011",
            country: "KR"
        }
    },
    "payco": {
        "returnUrl": "https://yourReturnUrl.com"
    }
}
  
digitalriver.createSource(data).then(function(result) {
    if (result.error) {
        //handle errors
    } else {
        var source = result.source;
        //send source to back end
        sendToBackend(source);
    }
});
PayCo source example
{
    "clientId": "gc",
    "channelId": "drdod15",
    "liveMode": false,
    "id": "bdcf5832-fc2c-4c79-92e0-85b261s18ae0",
    "clientSecret": "bdcf5832-fc2c-4c79-92e0-85b261s18ae0_adcf5832-fc2c-4c79-92e0-85b261s18ae0",
    "type": "payco",
    "reusable": false,
    "owner": {
        "firstName": "John",
        "lastName": "Doe",
        "email": "john.doe@gmail.com",
        "phoneNumber": "000-000-0000",
        "address": {
            "line1": "1234 Fake Street",
            "line2": "Yaum-dong",
            "city": "Ulsan-si",
            "state": "Kyongsangnamdo",
            "postalCode": "100-011",
            "country": "KR"
        }
    },
    "amount": "100.00",
    "currency": "KRW",
    "state": "pending_redirect",
    "creationIp": "209.87.178.4",
    "createdTime": "2019-05-22T02:40:53.631Z",
    "updatedTime": "2019-05-22T02:40:53.631Z",
    "flow": "redirect",
    "redirect": {
        "redirectUrl": "https://api.digitalriver.com:443/payments/redirects/06e428cf-e23e-4ee9-b64f-ce17de062fd1?apiKey=pk_test_6cb0fe9ce312d093a9ad906f6c589e2d",
        "returnUrl": "https://example.com"
    },
    "payco": {}
}
Step 3. Authorize the PayCo source
When you create a Direct Debit source, the customer is required to authorize the charge through their payment provider. You can accomplish this by redirecting the customer to their payment provider.
Redirecting the customer for PayCo authorization
To redirect your customer to the payment provider for authorization, use the redirectUrl parameter in your createSource response.
window.location.href = sourceResponse.redirect.redirectUrl;
The payment provider will present the customer with the transaction details where they can authorize, or cancel the transaction. A successful authorization redirects the customer to the Payco Return URL parameter you specified when you created the source.
Once authorized, the source state will change to chargeable.
{
    "clientId": "gc",
    "channelId": "drdod15",
    "liveMode": false,
    "id": "bdcf5832-fc2c-4c79-92e0-85b261s18ae0",
    "clientSecret": "bdcf5832-fc2c-4c79-92e0-85b261s18ae0_adcf5832-fc2c-4c79-92e0-85b261s18ae0",
    "type": "payco",
    "reusable": false,
    "owner": {
        "firstName": "John",
        "lastName": "Doe",
        "email": "john.doe@gmail.com",
        "phoneNumber": "000-000-0000",
        "address": {
            "line1": "1234 Fake Street",
            "line2": "Yaum-dong",
            "city": "Ulsan-si",
            "state": "Kyongsangnamdo",
            "postalCode": "100-011",
            "country": "KR"
        }
    },
    "amount": "100.00",
    "currency": "KRW",
    "state": "chargeable",
    "creationIp": "209.87.178.4",
    "createdTime": "2019-05-22T02:40:53.631Z",
    "updatedTime": "2019-05-22T02:40:53.631Z",
    "flow": "redirect",
    "redirect": {
        "redirectUrl": "https://api.digitalriver.com:443/payments/redirects/06e428cf-e23e-4ee9-b64f-ce17de062fd1?apiKey=pk_test_6cb0fe9ce312d093a9ad906f6c589e2d",
        "returnUrl": "https://example.com"
    },
    "payco": {}
}
Step 4. Use the authorized source
Once authorized, you can use the source by either attaching it to a checkout or attaching it to a customer for multiple uses.
Option 1. Attach the source to a checkout
POST /checkouts/{id}
{
  "customerId": "5774321008",
  "sourceId": "src_a78cfeae-f7ae-4719-8e1c-d05ec04e4d37"
}
Option 1. Attach the source to a customer
POST /customers/{id}/sources/{sourcesId}
{
  "id": "5774321008",
  "sourceId": "src_a78cfeae-f7ae-4719-8e1c-d05ec04e4d37"
}
Supported geographies
PayCo supports the following geographies and currencies.
Supported geographies
South Korea (KR)
Supported currencies
KRW, USD

Korea–Bank Transfer

PayPal

Last updated 1 week ago

Field	Value
type	payco
amount	The total value of the transaction.
currency	The currency of the transaction. For PayCo (Korea payments), you must specify KRW as the currency.
owner	An Owner object.
payco	A PayCo Source Details object.

Field	Required/Optional	Description
returnUrl	Required	If you choose to use the full redirect flow, this is where you will redirect your customer to after authorizing or canceling within the PayCo experience.