Alipay, China's leading third-party online payment solutionAlipay, China's leading third-party online payment solution

Bank of Ayudhya

Bank of Ayudhya (BAY) was founded in 1945 by Chinese businessman Chen Gongkun. BAY is the fifth largest commercial bank in Thailand with 601 domestic branches.

BAY has more than 5.4 million Thai users. Currently, the bank supports two different ways for users to pay: online banking and bank transfer via offline ATMs.

Properties

The properties of the BAY payment method are shown in the following table based on different payment types:

Payment property

Product property

Payment type

Online banking

Acquirer

AlipaySG, AlipayUS

Refund

Merchant entity location

SG, AU, HK, US

Partial refund

Buyer country/region

Thailand

Refund period

Processing currency

THB

Time to return refund result

Payment flow

Redirect

Time to return payment result

Real-time

Minimum payment amount

1 THB

Chargeback/Dispute

Maximum payment amount2M THB

Payment property

Product property

Payment type

Bank transfer

Acquirer

AlipaySG, AlipayUS

Refund

Merchant entity location

SG, AU, HK, US

Partial refund

Buyer country/region

Thailand

Refund period

Processing currency

THB

Time to return refund result

Payment flow

Redirect

Time to return payment result

Real-time

Minimum payment amount

1 THB

Chargeback/Dispute

Maximum payment amount2M THB (ATM 0.5M)Default timeout

48 hours

Customize the timeout

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User experience

Note: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.

The following graphics show the user experience for the App terminal in different scenarios.

image.png

  1. The user selects BAY to pay.
  2. The user completes the payment on the BAY page.
  3. The user is redirected to the merchant result page.

Integration considerations

The following section outlines integration considerations for various payment types, detailing customized integration solutions and payment method features.

About normalUrl

For Web, WAP, and App terminals, normalUrl is returned in the response of the pay API. Different terminal types have specific integration features when returning normalUrl:

  • Web: The returned normalUrl is opened to enter the username and password for payment.
  • WAP: The returned normalUrl is opened to enter the Email/Phone number and PIN for payment. The buyer is redirected to the bank payment page to log in and complete the payment.
  • App: The returned normalUrl does not trigger the payment method app. It is recommended to render the bank middle page URL directly within the merchant app and set the merchant result page to the browser link instead of the app's scheme. If you use the external redirection to open the bank middle page URL, set the merchant result page to the merchant app's scheme or redirect the browser link to the scheme or deeplink.

After payments

This payment method does not support refunds. It is recommended to communicate directly with the buyer offline.

Default timeout

If the buyer does not complete the payment, Antom sends you an asynchronous notification of the payment result at the 14th minute. The timeout period for the merchant to wait for the asynchronous notification or inquire about the result must be greater than 14 minutes.