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Domestic Payment Services

Paystory provides integrated payment gateway services supporting credit cards, bank transfers, mobile payments, and digital payment methods across South Korea.
Our secure platform enables seamless transactions and helps businesses grow.

CREDIT CARD

CreditCard

A service that allows customers to pay for products and services using credit cards, supporting both domestic and international payments.

Service Usage Guide

CategorySponsored MerchantDirect Merchant
Global Payment Service Card approval, acquiring, and settlements are processed using Paystory's merchant number. Merchants need to directly contract with the card company to receive settlement funds. Paystory handles payment process & acquiring on behalf of merchants.
Fee Fees only contracted with Paystory is charged. Fees directly contracted between the merchant and card companies. The transaction fee is charged to the merchant under a separate contract with Paystory.
Features All card issuer approvals, acquiring, and settlements are fully processed through Paystory. Transaction and settlement details can be viewed on the Merchant Admin Site provided by Paystory. Merchants must work directly with the card companies regarding service agreements, reconciliation, and chargeback resolution.
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Service Flow

8 7 6 5 4 Card Company 3 2 Merchant 1 Customer 1 2 3 4 5 6 7 8 Customer Payment Approval Request Merchant Payment Approval Request Paystory Forward Approval Request Card Company Approval Response Paystory Approval Response Merchant Service Provision Card Company Settlement Merchant Settlement Completed
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Card Authentication Methods by Company

Card Company Authentication
Method		 Notes
BC Card / KB Kookmin Card / Woori Card /
KDB Industrial Card / Suhyup Card / Shinhan Card, etc.		 ISP Accredited digital certificate is required for payments of 300,000 KRW or more.
Samsung Card / Shinhan Card / Hyundai Card /
Lotte Card / Hana Card / NH Nonghyup Card / Citi Card, etc.		 AnsimClick
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BACK TRANSFER

Bank Transfer

A service where customers pay for products and services through real-time bank account transfers, securely processed through intermediary institutions (such as KFTC).

Service Usage Guide

BanksSecurities Companies
IBK Bank / Shinhan Bank / Woori Bank / Hana Bank / Kyongnam Bank Yuanta Securities/Meritz Securities/Mirae Asset Daewoo/Samsung Securities/ Korea Investment/NH Investment/Hi Investment/Hyundai Motor Securities/ SK Securities/Daishin Securities/Hanwha Investment/Hana Financial Investment/ Shinhan Financial Investment/DB Financial Investment/Eugene Investment/ Meritz Comprehensive Financial/Shinyoung Securities
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Service Flow

MerchantKFTC(Relay Agency)Bank12751039864CardHolder1012346789Customer Payment RequestMerchant Payment Approval RequestPaystory Payment RequestWithdrawal/Transfer RequestRelay Agency Response to PaystoryPaystory Response to MerchantService ProvisionBank Settlement510Bank ResponseRelay Agency Settlement
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VIRTUAL ACCOUNT

Virtual Account

This service issues customers a virtual account number at the time of checkout of products, services, or other purchases, which they use to deposit the payment amount.

Service Usage Guide

CategoryDetails
Supported Banks • This service issues customers a virtual account number at the time of checkout of products, services, or other purchases, which they use to deposit the payment amount.
Features • Customers can make payment even without a credit card or a bank account.
• Immediate processing available after deposit (depositor verification, mismatch prevention, overpayment protection, etc.)
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Service Flow

9 8 7 6 Bank 10 5 4 3 2 Merchant 1 Customer 1 2 3 4 6 7 8 9 Customer Payment Request Virtual Account Request Virtual Account Issuance Account Number Notification Deposit Notification to Mingle Pay Deposit Notification to Merchant Service Provision Bank Settlement 5 10 Customer Deposit Merchant Settlement
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MOBILE PAYMENT

Mobile Payment

This service allows customers to pay for products, services, and more via carrier billing. The payment amount is added to the customer's monthly mobile phone bill.

Service Usage Guide

CategoryDetails
Features • Make payments anytime, anywhere with just your mobile phone (available for carrier billing subscribers)
• Payment limits are determined by your mobile carrier and cannot exceed those limits.
• Settlement can only be processed once the customer's mobile carrier bill has been paid.
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Service Flow

12 11 10 9 8 7 6 5 Mobile Carrier 4 Relay Agency 3 2 Merchant 1 Customer 1 2 3 4 6 7 8 9 Customer Payment Request Merchant Payment Request Paystory Payment Reques Authentication & Payment Request Response to Mingle Pay Response to Merchant Service Provision Communication Fee Payment 5 10 Authentication & Payment Result Carrier Settlement 11 Relay Agency Settlement 12 Merchant Settlement
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