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

Siam Commerical Bank

Founded in 1907 by the Royal Charter of Thailand, Siam Commerical Bank (SCB) is the first bank in Thailand. SCB is the world's leading universal banking group. SCB has the highest market capitalization in Thailand, which is the bank with the most branches and ATMs.

SCB 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 SCB 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 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 the refund result

Payment flow

Redirect

Time to return the 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✔️

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 SCB to pay.
  2. The user is redirected to the bank page and enters the online banking account and password.
  3. The user confirms the order information.
  4. A successful payment is shown on the bank page.
  5. 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 terminal, normalUrl is returned in the response of the pay API. The buyer is redirected to the address specified by normalUrl and enters the bank payment page to complete the payment by scanning the QR code with the SCB app.
  • For WAP and App terminals, normalUrl is returned in the response of the pay API. The buyer is redirected to the payment information page, open the SCB app and input the PIN to complete the payment. After the payment is completed, the buyer is redirected back to the browser page first 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.
  • When the buyer selects the online banking method for payment, the bank charges the buyer a handling fee for each transaction. Regarding the specific amount of the handling fee, consult the bank for detailed information.
  • 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.