Banks of Hong Kong
Overview
Banks of Hong Kong is a payment method allowing to make payouts to bank accounts in Hong Kong. Payouts can be performed by using Gate or Dashboard.
General information
Payment method type | bank payments |
---|---|
Payment instruments | bank accounts |
Countries and regions | HK |
Payment currencies | HKD, CNY |
Currency conversion | – |
Purchases | – |
Payouts | + |
Credential-on-file (COF) purchases | – |
Full refunds | – |
Partial refunds | – |
Chargebacks | – |
Special considerations | – |
Obtaining access to the payment method and access fee | refer to your ecommpay Key Account Manager |
Interaction diagram
Payment processing by using the Banks of Hong Kong payment method requires the use of merchant web service, one of the ecommpay interfaces, the ecommpay payment platform, and provider's technical facilities.
Operations support
Interfaces | Amounts, HKD | Timespans* | ||||||
---|---|---|---|---|---|---|---|---|
Payment Page | CMS Plug-ins | Gate | Dashboard | minimum | maximum | basic time | threshold time | |
Payouts | – | – | + | + | – | 4,000,000.00 | – | – |
- The basic time is the average time from the moment a payment is initiated in the payment platform to the moment the information about the payment result is sent to the initiator. The basic time evaluation is made on the assumption of normal operation of all technical facilities and communication channels and typical customer behaviour (if any input from customer is required). You can use the basic time to define the moment of reacting to the absence of payment result callbacks or checking payment status.
- The threshold time is the maximum possible time from the moment a payment is initiated in the payment platform to the moment the information about the payment result is sent to the initiator. A payment is automatically declined, if its waiting time exceeds the threshold time. For individual setting of the threshold time limit, contact ecommpay technical support.
Processing scenarios
For payout processing by using the Banks of Hong Kong method you need to notify customer via merchant's web service.
Figure: Payout by using Gate
Supported banks
Payments by using the Banks of Hong Kong method are carried out through banks that support the work with this method. Banks have their own identifiers which are used to initiate payouts by using Gate.
Bank | ID |
---|---|
BANK OF CHINA (HONG KONG) LIMITED Cheung Chau Branch | 54661 |
BANK OF COMMUNICATIONS CO., LTD. Hong Kong Branch | 53911 |
CHANG HWA COMMERCIAL BANK LTD Hong Kong Branch | 53121 |
CHINA CITIC BANK INTERNATIONAL LIMITED Mei Foo Branch | 36991 |
CHINA CONSTRUCTION BANK (ASIA) CORPORATION LIMITED Hunghom Ma Tau Wai Road Branch | 53571 |
CHONG HING BANK LTD Hong Kong Main Branch | 31061 |
CHONG HING BANK LTD North Point Branch | 54311 |
CIMB BANK BERHAD Hong Kong Branch | 54021 |
CITIBANK (HONG KONG) LIMITED Mei Foo Sun Chuen Branch | 54481 |
DAH SING BANK LTD Fortress Hill Branch | 54071 |
DAH SING BANK LTD Tai Po Branch | 53181 |
DBS BANK (HONG KONG) LIMITED Yaumatei Branch | 54441 |
FUBON BANK (HONG KONG) LIMITED Chai Wan Branch | 53851 |
FUBON BANK (HONG KONG) LIMITED Yuen Long Branch | 48651 |
HANG SENG BANK LTD Fortune Kingswood Branch | 35031 |
HANG SENG BANK LTD Tai Po Branch | 54651 |
INDUSTRIAL AND COMMERCIAL BANK OF CHINA (ASIA) LTD Central Branch | 54471 |
NANYANG COMMERCIAL BANK LTD Western Branch | 54221 |
OCBC WING HANG BANK LIMITED Fortress Hill Branch | 53031 |
PUBLIC BANK (HONG KONG) LIMITED Prince Edward Branch | 53821 |
PUBLIC BANK (HONG KONG) LIMITED Tai Po Branch | 44931 |
SHANGHAI COMMERCIAL BANK LTD Mongkok Branch | 54511 |
SHANGHAI COMMERCIAL BANK LTD West Point Branch | 54551 |
STANDARD CHARTERED BANK (HONG KONG) LIMITED Kwun Tong Branch | 54011 |
TAI YAU BANK LTD Head Office | 25681 |
THE BANK OF EAST ASIA, LTD Chai Wan Branch | 43941 |
THE BANK OF EAST ASIA, LTD Main Branch | 27401 |
THE HONGKONG AND SHANGHAI BANKING CORPORATION LTD Paterson Street HPC | 54601 |
TMB BANK PUBLIC COMPANY LIMITED, HONG KONG Hong Kong Branch | 54061 |
WING LUNG BANK LTD Happy Valley Branch | 53991 |
The following sections provide detailed information about what you need to do in order to perform payments and how you can analyse the information on payments and operations.
Payout by using Gate
General information
To perform a payout through the Banks of Hong Kong method, merchant's web service sends a request with all the required parameters and signature to ecommpay URL, and receives a callback with the payment result. The full sequence of the payout process is provided below.
Figure: Payout by using Gate
- In the merchant's web service the customer orders a payout.
- Merchant's web service sends the request for the payout processing by using Gate to the appropriate ecommpay URL.
- Gate redirects the request to the ecommpay payment platform.
- The payment platform performs all the necessary checks and processes the request.
- The reply with the request processing results is sent to the merchant's web service. For more information, see Response format.
- The payment platform redirects the payout request to the provider service.
- The payout is processed on the side of the provider.
- The provider service sends the result notification to the payment platform.
- The payment platform sends a callback with the payment result to the web service.
- The customer receives the notification about the payout result from the web service.
The sections that follow discuss in more details the request format and the Gate parameters to use in the Banks of Hong Kong payment method and provide the information on the format of callbacks with payout results.
Request format
There are several things you must consider when using payout requests in the Banks of Hong Kong method:- You send payout requests by sending request to
/v2/payment/banks/hk/payout
by using HTTP method POST. This is an online banking request group: /v2/payment/banks/{payment_method}/payout - The following objects and parameters must be specified in any request:
- Object general—general payout information:
- project_id—project identifier
- payment_id—unique payout identifier
- signature—signature created after you specify all the required parameters. For more information about signature generation, see Signature generation and verification
- Object customer—customer information:
- ip_address—customer IP address
- id—customer ID unique within the project
- Object account—customer account information:
- bank_id—bank identifier
- number—customer account number
- customer_name—customer name
- Object payment—payout information:
- amount—payout amount in minor units
- currency—payout currency in the ISO-4217 alpha-3 format
- Object general—general payout information:
- The currency of payment can only be HKD or CNY.
- If required, you can also add any other additional parameters Gate supports.
Thus, a correct payment request in the Banks of Hong Kong method must include project, customer, bank and payment IDs, account number and customer name, customer IP address, currency and amount of the payout, and signature, as shown in the following example:
Figure: Example of a payout request
{ "general": { "project_id": 383000, "payment_id": "12278b5d662764c9506b4db9df8c5c35", "signature": "GINgwlggTvpF9AnkT8rUUVC7bmSCAaQlYc9Mtb3Lv...5vOA7w==" }, "customer": { "id": "fr-2374245", "ip_address": "1.1.1.1" }, "payment": { "amount": 10000, "currency": "HKD" }, "account": { "bank_id": 22791, "number": "1234567890", "customer_name": "John Doe" } }
Callback format
The Banks of Hong Kong method uses the standard format for callbacks to deliver payout results. For more information, see Callbacks.
The following is the example of a callback with an information about successful 100.00 HKD
payout made for the customer3
customer in the 789
project.
Figure: Example of a successful payout callback
{ "project_id": 789, "payment": { "id": "ABC1234321", "type": "payout", "status": "success", "date": "2021-04-26T08:41:59+0000", "method": "hk", "sum": { "amount": 10000, "currency": "HKD" }, "description": "" }, "account": { "number": "1234567" }, "customer": { "id": "customer3" }, "operation": { "id": 4348000010681, "type": "payout", "status": "success", "date": "2021-04-26T08:41:59+0000", "created_date": "2021-04-26T08:41:54+0000", "request_id": "3d7ef0727decad0829d608cabd0f8a6d96fbd3a...006256", "sum_initial": { "amount": 10000, "currency": "HKD" }, "sum_converted": { "amount": 10000, "currency": "HKD" }, "code": "0", "message": "Success", "provider": { "id": 5181, "payment_id": "aff0b...cf9f2cd", "auth_code": "", "date": "2021-04-26T08:41:55+0000" } }, "signature": "1L2fmnHY/51dZPI1j/IVa9LqzEPR67j9pPghn...c545R1xsGzw0zQ==" } }
The following is the example of a callback for a declined payout.
Figure: Example of a declined payout callback
{ "project_id": 0123, "payment": { "id": "ABC1234567", "type": "payout", "status": "decline", "date": "2021-04-26T08:41:59+0000", "method": "hk", "sum": { "amount": 10000, "currency": "HKD" }, "description": "" }, "account": { "number": "123456789" }, "customer": { "id": "customer1234" }, "operation": { "id": 4348000010681, "type": "payout", "status": "decline", "date": "2021-04-26T08:41:59+0000", "created_date": "2021-04-26T08:41:54+0000", "request_id": "a19b65b2463fa7377f518d49674275cbaa4397a7...004349", "sum_initial": { "amount": 10000, "currency": "HKD" }, "sum_converted": { "amount": 10000, "currency": "HKD" }, "code": "20000", "message": "General decline", "provider": { "id": 5181, "payment_id": "aff0b...cf9f2cd", "auth_code": "", "date": "2021-04-26T08:41:55+0000" } }, "signature": "eQxj9hXHVWFBDMcko2Tj0071CvnFPsp...A9CchCgVr/Hqbu6w==" } }
Related topics
The following topics might be useful when implementing payments through Gate:
Payouts by using Dashboard
When working with Dashboard, you can process single and mass payouts by using the Banks of Hong Kong method.
- To process a single payout, open the payout form, specify all required parameters (including the payment method), send a request and verify that the payout has been processed.
-
To process a mass payout, prepare and upload a file with information about all target payouts, send a batch request, and verify that the payouts have been processed.
Use a CSV file structured according to the requirements presented in the Mass payments data section. The payout parameters must comply with the requirements (you do not have to generate a signature because it is specified by Dashboard).
More information about processing payouts by using Dashboard is presented in a separate section.
Analysis of payment results
As with other payment methods ecommpay offers, when using the Banks of Hong Kong method, you have several options to analyse the information about payments and operations performed by using the method—alone or in conjunction with other methods.
You can load and analyse all the necessary information in Dashboard, for instance you can use the analytic panels in the Analytics section for this purpose.
Also, you can export the information for further analysis by using third party analytical tools. The following options are available:
- Dashboard allows you to download reports in CSV format by using the tools in the Reports section. You can perform export as a one-time or regular download of data to your local computer.
- Data API allows you to have payment information exported in JSON format and delivered to a URL you specify. The payment information is exported by means of sending requests to the /operations/get endpoint.
If you have any further questions regarding payment data analysis, contact ecommpay technical support.