5.9 TRUEMONEY

TrueMoney was founded by Thailand payment company Ascend Money in 2003 and is the most popular e-wallet in Thailand. The company has 27 million users, of which 17 million are active users. With the TrueMoney wallet, users can pay by bank transfer or cash in convenience stores such as 7-Eleven, Family Mart, CP Fresh Mart, and True Shops. Users can also shop online, recharge games, and pay more than 70 kinds of bills (such as utilities, transportation, taxes, and insurance premiums).

Scenario	Category	Payment method	Payment product	Integration type	Authentication	Redirect Type	Code Type	Pre-auth	Partial Refund	Cancellation supported
ONLINE	Ewallet	TRUEMONEY	CASHIER_PAYMENT	API	-	In-app	Order code	-	YES	YES
OFFLINE	Ewallet	TRUEMONEY	ORDER_CODE	API, POS	-	-	Order code	-	YES	YES
OFFLINE	Ewallet	TRUEMONEY	PAYMENT_CODE	API, POS	-	-	Payment code	-	YES	YES
OFFLINE	Ewallet	TRUEMONEY	ENTRY_CODE	EMVCO_QR	-	-	Static code	-	YES	YES

Payment Product	Description
CASHIER_PAYMENT	Payment product. Use this product to get the cashier page address. After getting the cashier page address, you can redirect the user to the cashier page to make a payment or display the online order code for the user to scan.
ORDER_CODE	Merchant-Presented Mode Payment product. One code value can only be used for one transaction. For example, the order code displayed on the merchant's terminal screen or printed on the cashier's receipt. After the user scans the code, the user usually does not need to enter the transaction amount to initiate the payment.
PAYMENT_CODE	User-Presented Mode Payment product. The merchant uses a code scanning device to scan the payment code and complete the deduction.
ENTRY_CODE	Merchant-Presented Mode Payment product. With the Entry Code Payment product, users can scan the entry code generated by the merchant and enter the payment amount to complete the payment. Merchants do not need to apply an updated QR code or purchase any equipment for collecting payment if merchants join the UPAS network.

Experience and integration process

Capabilities	APIs	Description
Initiate a payment	PAY
Refund a payment	REFUND
Cancel a payment	CANCEL	Only a full cancellation is allowed. The cancellation period: Before 23:59:59 within the payment date.
Inquiry transaction result	DETAIL
Notify transaction result	NOTIFICATION

Initiate a payment

Field	Description	Required
paymentMethod	Must be "TRUEMONEY"	M
product	For CASHIER_PAYMENT, it must be "CASHIER_PAYMENT"; For ORDER_CODE, it must be "ORDER_CODE"; For PAYMENT_CODE, it must be "PAYMENT_CODE"; ENTRY_CODE is only used in "EMVCO_QR";	M
expireAt	The format is "yyyy-mm-dd hh:mm:ss", and it must be less than 72 hours after the payment request is sent. It's required when the product is "CASHIER_PAYMENT" or "ORDER_CODE"	C
payCodeValue	It's required when the product is "PAYMENT_CODE"	C
goods.description	It's required when paymentMethod is TRUEMONEY	M
riskData.Device.os	It's required when the product is in "CASHIER_PAYMENT", "ORDER_CODE", "PAYMENT_CODE"	M

Handle the payment result To complete the payment:

CASHIER_PAYMENT

present the QR code image(**payAction, "type": "QRCODE", "redirectUrl" **) to the shopper for scanning.
Or redirect shopper(payAction, "type": "REDIRECT", "Url") to open an app when the target app is installed.
Use the data.status from the PAY response to present the payment result to your shopper. You can also wait the NOTIFICATION or submit a DETAIL request for the payment result.

ORDER_CODE

Present the QR code image(payAction, "type": "QRCODE", "redirectUrl") to the shopper for scanning.
After the shopper completes the payment, wait the NOTIFICATION or submit a DETAIL request for the payment result.

PAYMENT_CODE

Use the data.status from the PAY response to present the payment result to your shopper. You can also wait the NOTIFICATION or submit a DETAIL request for the payment result.

ENTRY_CODE

After the shopper completes the payment, wait the NOTIFICATION for the payment result.