Banks of Taiwan

Overview

Banks of Taiwan is a payment method that uses the online banking mechanism for payments through Taiwan banks. You can perform purchases through this method by using Payment Page and Gate, payouts by using Gate.

General information

Payment method type online banking
Countries and regions TW
Payment currencies TWD
Currency conversion on the ECommPay side
Purchases +
Payouts
Stored credentials payments
Full refunds
Partial refunds
Chargebacks
Special considerations
  • For purchase processing it is recommended that the customer confirms the purchase during the set time. If the customer does not confirm the payment within the set time, the payment processing on the provider side can take a significantly longer time (up to several business days).
  • If the currency TWD is specified in the purchase request it is necessary to round the payment amount to an integer. If another currency is specified in the request, the payment amount is converted to an equivalent amount in the TWD currency on the ECommPay side and rounded up to an integer (for example, if the converted amount is 3,000.05 TWD, such an amount is rounded up to 3,001.00 TWD).
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 Taiwan payment method requires merchant's web service, one of ECommPay interfaces, and the ECommPay payment platform, as well as the technical facilities of the provider.

Operations support

  Interfaces Amounts, TWD Times **
Payment Page CMS Plug-ins Gate Dashboard (Old Dashboard) Minimum Maximum Basic Threshold
Purchases + + 3,000.00 200,000.00 * *
Payouts + 3,000.00 200,000.00 * *

* Refer to your ECommPay key account manager for more information.

** The basic and threshold times are defined as follows:

  • The basic time is the average estimated time between the moment a payment is initiated in the payment platform to the moment 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). Use the basic time to estimate when to react to the absence of payment result notifications or when to check payment status.
  • The threshold time is the maximum possible time between the moment a payment is initiated in the payment platform to the moment the initiator receives the callback with the payment result. 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

In the Banks of Taiwan method, purchases and payouts follow different processing procedures. To perform a purchase operation, you need to redirect customer to the provider service, while to initiate a payout, you need to notify customer via merchant's web service.

Supported banks

Payments through the Banks of Taiwan 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.

The table below provides information on these banks for informational purposes, it may change without additional notice; for the most recent list of supported banks, contact your ECommPay key account manager or POST the /v2/info/banks/{payment_method}/{operationType}/list request using Gate API: /v2/info/banks/taiwan/payout/list to receive the list of banks supporting payout performing.

The request must contain the project and payment IDs, signature, currency, and payment amount, as shown in the example. It is important to specify real payment data, but if the payment has not yet been generated, you can specify a random value for the payment ID in the request.

Figure: Example of requesting a list of banks

{
  "general": {
    "project_id": 200,
    "payment_id": "ORDER_155860015",
    "signature": "K6jllym+PtObocZtr345st...=="
  },
  "payment": {
    "amount": 1000,
    "currency": "TWD"
  }
}
Table 1. List of banks
Bank ID
Bank of Kaohsiung 3131
Bank of Panhsin 3301
Bank of Taiwan 3031
Cathay United Bank 3121
Chang Hwa Bank 3081
Citibank 3161
COTA Commercial Bank Co.,Ltd. 3311
CTBC Bank 3441
DBS Bank (Taiwan) , Ltd. 4131
Entie Commercial Bank 3431
Far Eastern Int`l Bank 3341
First Commercial Bank 3061
Fubon Bank 3111
HSBC Bank 3261
Hua Nan Bank 3071
Hwatai Bank 3281
Jih Sun International Bank,Ltd. 3421
KGI Bank 3381
King's Town Bank 4101
Land Bank of Taiwan 3041
Mega International Commercial Bank 3141
O-Bank Co., Ltd. 4081
Shin Kong Commercial Bank 4121
Standard Chartered Bank 4091
Sunny Bank Ltd. 3291
Taichung Commercial Bank 3231
Taipei Star Bank 4111
Taishin International Bank 3401
Taiwan Business Bank 3211
Taiwan Cooperative Bank 3051
The Export-Import Bank of the Republic of China 4071
The Shanghai Commercial and Savings Bank 3101
Union Bank of Taiwan 3321
Yuanta Commercial Bank Co., Ltd. 3351

The sections that follow provide detailed information about what you need to perform payments and how you can analyse the information on payments and operations.

Purchase by using Payment Page

General information

In the Banks of Taiwan method, when processing a purchase by using Payment Page, the merchant web service should send a request with all the required parameters and signature to the ECommPay URL and get the callback with the payment result from the payment platform. When opening Payment Page, you can have Payment Page opened with one of the Banks of Taiwan methods selected. For more information about preselecting payment methods, see in Preselecting payment method. The full sequence and particularities of the purchase process are provided below.

Figure: Purchase sequence by using Payment Page

  1. A customer initiates a purchase on the merchant's web service.
  2. The web service sends the request for Payment Page opening to the specified ECommPay URL.
  3. The request for opening is redirected to the payment platform.
  4. The payment platform performs the initial request processing that involves validation of the required parameters and signature.
  5. Requested Payment Page is generated into the ECommPay payment platform as specified in the project settings and the request parameters.
  6. Payment Page is displayed to the customer.
  7. The customer selects the Banks of Taiwan method and agrees to use the method (or accepts the method already selected on Payment Page and agrees).
  8. The payment platform receives the purchase request for payment processing.
  9. The payment platform performs the internal purchase request processing and sends it to the provider service.
  10. The purchase request is processed on the provider service side.
  11. The provider service generates and sends the data for displaying the payment instructions to the customer to the payment platform.
  12. The payment platform sends the data for displaying the payment instructions to the customer to Payment Page.
  13. The payment instructions are displayed to the customer.
  14. The customer completes all the required payment steps according to the instructions and confirms the payment. By default the customer has 30 minutes to pay and confirm, the time limit can be reduced to 15 minutes upon confirmation with the ECommPay key account manager. If the customer does not confirm the payment within the set time, the payment processing on the provider side can take a significantly longer time (up to several business days).
  15. The payment is processed on the provider side.
  16. The provider service sends the result notification to the payment platform.
  17. The payment platform sends a callback with the payment result to the web service.
  18. The payment platform sends the result to Payment Page.
  19. A page with the payment result information is displayed to the customer on Payment Page.

The sections that follow discuss in more details the request format and the Payment Page parameters to use in the Banks of Taiwan payment method and provide the information on the format of callbacks with payment results. For the general information on how to use the API, see Payment Page API Description.

Request format

There are several things you need to consider when using the Banks of Taiwan method:

  1. You must provide values for the basic minimum of parameters. Listed below are the parameters that are mandatory for any payment method:
    • project_id—the project ID obtained from ECommPay
    • payment_id—payment ID unique within the project
    • payment_currency—payment currency in ISO-4217 alpha-3 format
    • payment_amount—payment amount in minor units
    • customer_id—the ID of the customer within your project
  2. It is recommended to specify the first and last names of the customer in the customer_first_name and customer_last name additional parameters. If the request is missing the parameters, on Payment Page the additional fields are displaying to the customer to input missing data. For more details about clarification, see Submission of additional payment information.
  3. If you need to have payment form displayed with the Banks of Taiwan method selected, set the force_payment_method parameter to online-taiwan-banks.
  4. If required, you can also add any other additional parameters Payment Page supports.
  5. After you specify all the parameters you need, you must create the signature for the request. For instructions on how to sign a payment request, see Signature generation and verification.

Thus, a correct payment request in the Banks of Taiwan method must include project and payment IDs, customer information, the currency and the amount of a payment, as shown in the following example:

    { 
      payment_id: 'X03936', 
      payment_amount: 300000, 
      payment_currency: 'TWD',
      customer_first_name: 'Lin',
      customer_last_name: 'Chen',
      project_id: 12, 
      signature: "kUi2x9dKHAVNU0FYldJrxh4...qtVUkDJrOcZzUCwX6R\/ekpZhkIQg=="
    }

For information about all parameters available in the Banks of Taiwan method , see Payment Page invocation parameters.

Callback format

The Banks of Taiwan method uses the standard format for callbacks to deliver purchase results. For more information, see Callbacks.

Note that unlike other payment methods, in the Banks of Taiwan method, the callbacks contain the time allotted for purchase confirmation in the timeout parameter of the provider_extra_fields object.

The following is the example of a callback with an information about successful 3,000.00 TWD purchase made in the 1625 project.

Figure: Example of data in a successful purchase callback

{
   "provider_extra_fields":{
      "timeout":1800
   },
   "customer":{
      "id":"1"
   },
   "project_id":1625,
   "payment":{
      "id":"1234",
      "type":"purchase",
      "status":"success",
      "date":"2020-08-05T10:10:19+0000",
      "method":"Taiwan banks",
      "sum":{
         "amount":300000,
         "currency":"TWD"
      },
      "description":"test description"
   },
   "operation":{
      "id":80940000002001,
      "type":"sale",
      "status":"success",
      "date":"2020-08-05T10:10:19+0000",
      "created_date":"2020-08-05T08:47:04+0000",
      "request_id":"0adeebcf82d137232e95fbacb2b30243e0b...8ffd12d61-00080941",
      "sum_initial":{
         "amount":300000,
         "currency":"TWD"
      },
      "sum_converted":{
         "amount":300000,
         "currency":"TWD"
      },
      "code":"0",
      "message":"Success",
      "provider":{
         "id":3221,
         "payment_id":"29922",
         "auth_code":"",
         "date":"2020-08-05T08:59:33+0000"
      }
   },
   "signature":"dH68la7JM/o2pPA7NOm1xhhnBS7RcVLdlBC...iBq02I4OKpR6EbtQ=="
}

The following is the example of a callback for a declined purchase.

Figure: Example of data in a declined purchase callback

{
   "provider_extra_fields":{
      "timeout":1800
   },
   "customer":{
      "id":"2"
   },
   "project_id":1625,
   "payment":{
      "id":"123456",
      "type":"purchase",
      "status":"decline",
      "date":"2020-08-05T10:10:18+0000",
      "method":"Taiwan banks",
      "sum":{
         "amount":20000,
         "currency":"TWD"
      },
      "description":"test description"
   },
   "operation":{
      "id":80940000002002,
      "type":"sale",
      "status":"decline",
      "date":"2020-08-05T10:10:18+0000",
      "created_date":"2020-08-05T08:46:04+0000",
      "request_id":"0adeebcf82d137232e95fbacb2b30243e0b...8ffd12d61-00080942",
      "sum_initial":{
         "amount":20000,
         "currency":"TWD"
      },
      "sum_converted":{
         "amount":20000,
         "currency":"TWD"
      },
      "code":"20000",
      "message":"General decline",
      "provider":{
         "id":3221,
         "payment_id":"" 
        }
   },
   "signature":"dH68la7JM/o2pPA7NOm1xhhnBS7RcVLdlBC...iBq02I4OrpR6EbtQ=="
}

Related topics

The following topics might be useful when implementing payments by using Payment Page:

Purchase by using Gate

General information

In the Banks of Taiwan method, when processing a purchase by using Gate, the merchant web service is required to do the following:

  1. Send a request with all the required parameters and signature to the ECommPay URL.
  2. Display the payment instructions to the customer and provide the customer with the possibility to confirm the payment. If the customer confirms the payment a payment confirmation request must be sent to the payment platform.
  3. Get the callback with the payment result from the payment platform.

The following diagram provides the detailed picture of the payment processing procedure.

Figure: Purchase by using Gate

  1. A customer initiates a purchase through one of the Banks of Taiwan group banks on the merchant's web service side.
  2. The web service sends the request for processing the purchase by using Gate to the specified ECommPay URL.
  3. The payment platform receives the request for processing the purchase from Gate.
  4. The payment platform performs the initial request processing that includes validation of the required parameters and signature.
  5. The payment platform sends the response with request receipt confirmation and correctness check result to the web service. For more information, see Response format.
  6. The payment platform performs the internal payment request processing and redirects the request to the provider service.
  7. The request is processed on the provider side.
  8. The provider service sends the data for displaying the payment instructions to the customer to the payment platform.
  9. The payment platform sends the callback with the payment instructions data to the web service.
  10. The payment instructions are displayed to the customer.
  11. The customer completes all the required payment steps according to the instructions and confirms the payment. By default the customer has 30 minutes to pay and confirm, the time limit can be reduced to 15 minutes upon confirmation with the ECommPay key account manager. If the customer does not confirm the payment within the set time, the payment processing on the provider side can take a significantly longer time (up to several business days).
  12. The payment is processed on the provider side.
  13. The provider service sends the payment result notification to the payment platform.
  14. The ECommPay payment platform sends a callback to the web service.
  15. The customer receives the payment result on the web service.

The sections that follow discuss in more details the request format and the Gate parameters to use in the Banks of Taiwan payment method and provide the information on the format of callbacks with purchase results.

Request format

There are several things you must consider when using purchase requests in the Banks of Taiwan method:
  1. You perform purchase by sending the /v2/payment/banks/taiwan/sale request by using POST (HTTP) method. This is an online banking request group: /v2/payment/banks/{payment_method}/sale
  2. The following objects and parameters must be specified in any request:
    • Object general—general request identification information:
      • project_id—the project ID obtained from ECommPay
      • payment_id—payment ID unique within the project
      • signature—signature created after you specify all the required parameters. For more information about signature generation, see Signature generation and verification.
    • Object payment—payment information:
      • amount—purchase amount in minor units
      • currency—purchase currency in ISO-4217 alpha-3 format
    • Object customer—customer information:
      • id—the unique ID of the customer within your project
      • ip_address—customer IP address
      • first_name—first name
      • last_name—last name
  3. If required, you can also add any other additional parameters Gate supports.

Thus, a correct payment request in the Banks of Taiwan method must include project and payment IDs, customer information, currency and amount of the purchase, as well as signature, as shown in the following example:

Figure: Example of a purchase request

{
    "general": {
      "project_id": 200,
      "payment_id": payment_id,
      "signature": "PJkV8ej\/UG0Di8hTng6JvC7vQsaC6tajQVVfBaNIipTv+AWo...=="
    },
    "payment": {
      "amount": 300000,
      "currency": "TWD"
      },
    "customer": {
      "id": "customer123",
      "ip_address": "248.14.67.234",
      "first_name": "Lin",
      "last_name": "Chen"
    }
}

Formats of data for displaying the payment instructions

To display the payment instructions to the customer, you must receive and process a callback from the payment platform containing the payment data in the in the display_data array, display the payment instructions to the customer and provide the customer with the possibility to confirm the payment on the web service side. If the customer confirms the payment a POST payment confirmation request must be sent to the /v2/payment/customer/confirm endpoint.

Also, along with the payment instructions, it is recommended to display a countdown timer to the customer, which shows the time allotted for purchase and payment confirmation. If the customer confirms the payment within the set time, the payment is processed on the provider side automatically. If the customer does not confirm the payment or confirms the payment after the time is up, the payment processing on the provider side can take a significantly longer time (up to several business days).

The payment instructions to be displayed to the customer are presented below.

Payment instructions in Simplified Chinese Payment instructions in English
以下為我司提供的收款人賬戶信息, 請用網銀轉入“正確”的收款人賬戶 Below are the Payee Details. Please transfer the exact amount to the following account with your own online bank
1) 請用網銀轉入我司所提供的收款人信息 1) Please transfer the "exact" amount to the following account with your own online bank
2) 轉賬時, 請勿在銀行附言框內填入任何信息 2) Please Never enter any words under Remark field during transfer
3) 轉賬完成後, 請保留匯款圖片 3) Please keep the Transfer Screenshot after the transfer is complete
4) 完成轉賬後, 請按下確認鍵 4) Please click CONFIRMATION button once you complete the transfer

The display_data contains objects with the following parameters:

  • type—object type (the value is always add_info)
  • title—title of the parameter which needs to be displayed to the customer
  • data—value of the parameter specified in the title parameter

The title parameter determines the content type of the data parameter and can have one of the following values:

  • Payee_BankName—when the value of the data parameter contains the three-digit code of a Taiwan bank
  • Payee_BankAccount—when the value of the data parameter contains the bank account number
  • RequestedAmt—when the value of the data parameter contains the payment amount in minor currency units

The following is the callback fragment containing the payment data to be displayed to the customer.

"display_data": [
            {
                "type": "add_info",
                "title": "Payee_BankName",
                "data": "808"
            },
            {
                "type": "add_info",
                "title": "Payee_BankAccount",
                "data": "1322968025289"
            },
            {
                "type": "add_info",
                "title": "RequestedAmt",
                "data": "300000"
            }
        ]

The payment confirmation request must be sent to the /v2/payment/customer/confirm by using the POST HTTP method. The request must contain the following:

  • Object general—general payment identification information:
    • project_id—the project ID obtained from ECommPay
    • payment_id—payment ID unique within the project
    • signature—signature created after you specify all the required parameters. For more information about signature generation, see Signature generation and verification.

Thus, a correct confirmation request must include project and payment IDs, as well as signature, as shown in the following example:

{
  "general": {
    "project_id": 11,
    "payment_id": "EPr-bf14",
    "signature": "v7KNMpfogAthg1ZZ5D/aZAeb0VMdeR+CqghwSm...=="
  }
}

Callback format

The Banks of Taiwan method uses the standard format for callbacks to deliver purchase results. For more information, see Callbacks.

Note that unlike other payment methods, in the Banks of Taiwan method, the callbacks contain the time allotted for purchase confirmation in the timeout parameter of the provider_extra_fields object.

The following is the example of a callback with an information about successful 3,000.00 TWD purchase made in the 1625 project.

Figure: Example of data in a successful purchase callback

{
   "provider_extra_fields":{
      "timeout":1800
   },
   "customer":{
      "id":"1"
   },
   "project_id":1625,
   "payment":{
      "id":"1234",
      "type":"purchase",
      "status":"success",
      "date":"2020-08-05T10:10:19+0000",
      "method":"Taiwan banks",
      "sum":{
         "amount":300000,
         "currency":"TWD"
      },
      "description":"test description"
   },
   "operation":{
      "id":80940000002001,
      "type":"sale",
      "status":"success",
      "date":"2020-08-05T10:10:19+0000",
      "created_date":"2020-08-05T08:47:04+0000",
      "request_id":"0adeebcf82d137232e95fbacb2b30243e0b...8ffd12d61-00080941",
      "sum_initial":{
         "amount":300000,
         "currency":"TWD"
      },
      "sum_converted":{
         "amount":300000,
         "currency":"TWD"
      },
      "code":"0",
      "message":"Success",
      "provider":{
         "id":3221,
         "payment_id":"29922",
         "auth_code":"",
         "date":"2020-08-05T08:59:33+0000"
      }
   },
   "signature":"dH68la7JM/o2pPA7NOm1xhhnBS7RcVLdlBC...iBq02I4OKpR6EbtQ=="
}

The following is the example of a callback for a declined purchase.

Figure: Example of data in a declined purchase callback

{
   "provider_extra_fields":{
      "timeout":1800
   },
   "customer":{
      "id":"2"
   },
   "project_id":1625,
   "payment":{
      "id":"123456",
      "type":"purchase",
      "status":"decline",
      "date":"2020-08-05T10:10:18+0000",
      "method":"Taiwan banks",
      "sum":{
         "amount":20000,
         "currency":"TWD"
      },
      "description":"test description"
   },
   "operation":{
      "id":80940000002002,
      "type":"sale",
      "status":"decline",
      "date":"2020-08-05T10:10:18+0000",
      "created_date":"2020-08-05T08:46:04+0000",
      "request_id":"0adeebcf82d137232e95fbacb2b30243e0b...8ffd12d61-00080942",
      "sum_initial":{
         "amount":20000,
         "currency":"TWD"
      },
      "sum_converted":{
         "amount":20000,
         "currency":"TWD"
      },
      "code":"20000",
      "message":"General decline",
      "provider":{
         "id":3221,
         "payment_id":"" 
        }
   },
   "signature":"dH68la7JM/o2pPA7NOm1xhhnBS7RcVLdlBC...iBq02I4OrpR6EbtQ=="
}

Related topics

The following topics might be useful when implementing payments through Gate:

Payout by using Gate

General information

To perform a payout through the Banks of Taiwan 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

  1. A customer orders a payout through the Banks of Taiwan system.
  2. Merchant's web service sends the request for the payout processing by using Gate to the appropriate ECommPay URL.
  3. Gate redirects the request to the ECommPay payment platform.
  4. The payment platform performs all the necessary checks and processes the request.
  5. The reply with the request processing results is sent to the merchant's web service. For more information, see Response format.
  6. The payment platform redirects the payout request to the Banks of Taiwan service.
  7. The payout is processed on the Banks of Taiwan side.
  8. Banks of Taiwan sends the result notification to the payment platform.
  9. The payment platform sends a callback with the payment result to the web service.
  10. 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 Taiwan 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 Taiwan method:
  1. You perform payouts by sending the /v2/payment/banks/taiwan/payout request by using POST (HTTP) method. This is an online banking request group: /v2/payment/banks/{payment_method}/payout
  2. The following objects and parameters must be specified in any request:
    • Object general—general request identification information:
      • project_id—the project ID obtained from ECommPay
      • payment_id—payment ID unique within the project
      • signature—signature created after you specify all the required parameters. For more information about signature generation, see Signature generation and verification.
    • Object payment—payout information:
      • amount—payout amount in minor units
      • currency—payout currency in the ISO-4217 alpha-3 format
    • Object customer—customer information:
      • ip_address—customer IP address
      • id—unique ID within the merchant project
    • Object account—account information:
      • number—account number
      • bank_id—bank identifier
  3. If required, you can also add any other additional parameters Gate supports.

Thus, a correct payment request in the Banks of Taiwan method must include project and payment IDs, account number, customer IP address and identifier, signature, currency and amount of the payout, as shown in the following example:

Figure: Example of a payout request

{
    "general": {
        "project_id": 200,
        "payment_id": payment_id,
        "signature": "PJkV8ej\/UG0Di8hTng6JvC7vQsaC6tajQVVLhNN5e7aRfB...=="
    },
    "payment": {
      "amount": 300000,
      "currency": "TWD"
      },
    "customer": {
      "id":"100",
      "ip_address": "248.1.1.1"
    },
    "account":{
      "bank_id": 3131,
      "number": "12345"
    }
}

Callback format

The Banks of Taiwan 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 3,000.00 TWD payout made in the 1625 project.

Figure: Example of data in a successful payout callback

{
   "project_id":1625,
   "payment":{
      "id":"TEST_payout123460",
      "type":"payout",
      "status":"success",
      "date":"2020-08-07T08:38:40+0000",
      "method":"Taiwan banks",
      "sum":{
         "amount":300000,
         "currency":"TWD"
      },
      "description":""
   },
   "account":{
      "number":"123"
   },
   "customer":{
      "id":"123456"
   },
   "operation":{
      "id":80814000002361,
      "type":"payout",
      "status":"success",
      "date":"2020-08-07T08:38:40+0000",
      "created_date":"2020-08-07T08:26:53+0000",
      "request_id":"f6a2942f9ec83f1ce440ae38478bab2...852c23eac3dd4e-00080815",
      "sum_initial":{
         "amount":300000,
         "currency":"TWD"
      },
      "sum_converted":{
         "amount":300000,
         "currency":"TWD"
      },
      "code":"0",
      "message":"Success",
      "provider":{
         "id":3221,
         "payment_id":"",
         "auth_code":""
      }
   },
   "signature":"JJZv9rzrzCHm9GGcyYutg7EHdv+vwcYRG1bljafkehG...yNjgWUssrDHwgt0NvA=="
}

The following is the example of a callback for a declined payout.

Figure: Example of data in a declined payout callback

{
   "project_id":1625,
   "payment":{
      "id":"TEST_payout123461",
      "type":"payout",
      "status":"decline",
      "date":"2020-08-07T08:38:41+0000",
      "method":"Taiwan banks",
      "sum":{
         "amount":19000,
         "currency":"TWD"
      },
      "description":""
   },
   "account":{
      "number":"123"
   },
   "customer":{
      "id":"123456"
   },
   "operation":{
      "id":80814000002362,
      "type":"payout",
      "status":"decline",
      "date":"2020-08-07T08:38:41+0000",
      "created_date":"2020-08-07T08:27:53+0000",
      "request_id":"f6a2942f9ec83f1ce440ae38478bab2...852c23eac3dd4e-00080816",
      "sum_initial":{
         "amount":19000,
         "currency":"TWD"
      },
      "sum_converted":{
         "amount":19000,
         "currency":"TWD"
      },
      "code":"20000",
      "message":"General decline",
      "provider":{
         "id":3221,
         "payment_id":"",
         "auth_code":""
      }
   },
   "signature":"JJZv9rzrzCHm9GGcyYutg7EHdv+vwcYRG1bljafkehG...yNjgWUssrDGwgt0NvA=="
}

Related topics

The following topics might be useful when implementing payments through Gate:

Payouts by using Dashboard (Old Dashboard)

To make a payout through Dashboard (Old Dashboard), the merchant sends a request, and receives a notification with the request processing result. There are two ways to initiate payouts through Dashboard (Old Dashboard):
  • as a single payout—in this case, you must specify the currency and amount for a payout available for this method, and fill in all fields required on the Dashboard (Old Dashboard) interface in accordance with the selected payment method
  • as a part of a mass payment—in this case, all parameters are specified in a CSV file in accordance with the requirements in the Payouts by using Gate section (except for the signature)

Information about performed payouts is displayed in the Payments section of Dashboard (Old Dashboard).

More detailed information on the payout processing by using Dashboard (Old Dashboard) is provided in the Bulk payments section.

Analysis of payments results

As with other payment methods ECommPay offers, when using the Banks of Taiwan 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 on the Analytics tab to this end.

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 and XLS formats—by using the tools on the Payments tab. You can perform export as a one-time download to your local computer or have payment data regularly exported and delivered to email addresses you specify.
  • 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 using the /operations/get queries.

If you have any further questions regarding payment data analysis, contact ECommPay technical support.