Siam Commercial Bank
Founded in 1907 by the Royal Charter of Thailand, Siam Commercial 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 refund result | ❌ |
Payment flow | Redirect | Time to return payment result | Real-time |
| Minimum payment amount | 1 THB | Chargeback/Dispute | ❌ |
| Maximum payment amount | 2 million 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 amount | 2 million THB (ATM 0.5 million THB) | 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.
- The user selects SCB to pay.
- The user is redirected to the bank page and enters the PIN.
- The user confirms the order information.
- 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.