KrungThai Bank
KrungThai Bank (KTB) is a state-controlled listed bank and the second-largest bank in Thailand, making it the preferred bank for most government agencies.
KTB has more than 15 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 KTB 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 the refund result | ❌ |
Payment flow | Redirect | Time to return the payment result | Real-time |
| Minimum payment amount | 1 THB | Chargeback/Dispute | ❌ |
| Maximum payment amount | 2M 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 the refund result | ❌ |
Payment flow | Redirect | Time to return the payment result | Real-time |
| Minimum payment amount | 1 THB | Chargeback/Dispute | ❌ |
| Maximum payment amount | 2M THB (ATM 0.5M) | Default timeout | 48 hours |
| Customize the timeout | ✔️ | ||
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 WAP terminal in different scenarios.
- The user selects KrungThai Bank to pay.
- The user enters the ATM card number and PIN to complete the payment.
- 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 the Web terminal, normalUrl is returned in the response of pay API. The buyer is redirected to the address specified by normalUrl to enter the bank payment page directly.
- For WAP and App terminals, normalUrl is returned in the response of pay API. The buyer is redirected to the address specified by normalUrl to display the payment information page. The buyer can input the account ID and password to complete the payment directly on the web page or open the KTB app to enter the PIN for payment. If choosing the KTP app to pay, the buyer is first redirected back to the browser page upon completion of the payment, and then back to the merchant result page.
- The URL returned by the App is the bank middle page, which supports the buyer to launch the bank app for payment. It is recommended to render the bank middle page URL within the merchant app and be compatible with the abilities of applinkUrl and schemeUrl in WebView. Set the merchant result page to the browser link instead of the app's scheme.
After payments
- After completing the bank app payment, redirect the buyer first to the browser page and then back to the merchant result page specified in the paymentRedirectUrl parameter.
- 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.