TrueMoney

Last updated: 5 February, 2025

Information

TrueMoney is also available through Flow. Flow enables you to accept payments on your website using Checkout.com's global network of payment methods with a single integration.

TrueMoney provides a mobile payment service that enables customers to perform one-time purchases, or sign up for a recurring payment.

TrueMoney is a part of Ant Financial’s e-wallet network, which enables it to be used in countries outside of the local market, as long as the regions are covered by Ant’s partners.

When accepting payments with TrueMoney, you need to display the Alipay+ and TrueMoney logos on your payment interface. To ensure that the logos match Alipay's requirements, refer to their Brand display guidelines for online payments and Brand display guidelines for cashier payments.

Information

To enable TrueMoney payments on your account, contact your Account Manager or [email protected].

Model	Collecting
Payment flow	Redirect
Payment method type	Wallet
Auto-capture payment
Authorization
Capture
Refund
Partial refund
Chargeback
Recurring payment

Merchant country	Settlement currency	Currency code
Hong Kong	Hong Kong Dollar	`HKD`
Singapore	Singapore Dollar	`SGD`

Consumer country	Processing currency	Currency code
Thailand	Baht	`THB`
	Hong Kong Dollar	`HKD`
	Singapore Dollar	`SGD`

Information

Payment processing in Singapore with SGD is in beta.

TrueMoney has a 2-step process:

For the full API specification, see the API reference.

post

https://api.checkout.com/payments

You can process TrueMoney payments in its local currency (THB) or in the currencies associated with your entity. Use the currency field in your payment request to specify the processing currency.

Note

If you choose to process payments in the local currency, you must contact your Account Manager.

If a customer ID or email is not provided in the request, we automatically create a customer profile and return the customer ID in the response.


1{
2  "amount": 1100,
3  "currency": "THB",
4  "source": {
5    "type": "truemoney"
6  },
7  "processing": {
8    "terminal_type": "APP",
9    "os_type": "IOS"
10  },
11  "success_url": "https://example.com/payments/success",
12  "failure_url": "https://example.com/payments/failure",
13  "payment_type": "Regular",
14  "reference": "ORD-5023-4E89",
15  "capture": true,
16  "customer": {
17    "email": "[email protected]"
18  },
19  "shipping": {
20    "address": {
21      "country": "GB"
22    }
23  },
24  "items": [
25    {
26      "reference": "1st item reference",
27      "name": "1st item name",
28      "unit_price": 10
29    }
30  ],
31  "processing_channel_id": "pc_ekaubqrravqupfxde7kxvd2t3i"
32}

If you receive a 202 Success response with a payment id and a status field set to Pending, your request was successful.


1{
2  "id": "pay_sxzrgliy2w3e5gpnby3chlswwq",
3  "status": "Pending",
4  "reference": "ORD-5023-4E89",
5  "customer": {
6    "id": "cus_2g4ehcpm6phexgkzahlwxvbgne",
7    "email": "[email protected]",
8    "name": "John Smith"
9  },
10  "_links": {
11    "self": {
12      "href": "https://api.checkout.com/payments/pay_sxzrgliy2w3e5gpnby3chlswwq"
13    },
14    "redirect": {
15      "href": "https://psp.ac.alipay.com/page/simulation-wallet/acwallet/alipayconnectcode.html?code=281666040095AHvh5AIKT0a3kv8X6Zzv3kiv&pspName=TRUEMONEY&loadMode=2"
16    }
17  }
18}

Redirect your customer to the redirect link’s href in the response. This will allow the customer to authorize the payment, before they are transferred to your predefined success or failure URL.

You can set up recurring payments for a subscription-based service. This allows you to make pre-authorized fund deductions from a customer’s account.

To request a recurring payment, your payment request should have payment_type set to recurring.

To get a detailed view of all required and optional fields, see our API reference.

post

https://api.checkout.com/payments


1{
2  "amount": 1100,
3  "currency": "EUR",
4  "source": {
5    "type": "truemoney"
6  },
7  "processing": {
8    "terminal_type": "WEB"
9  },
10  "success_url": "https://example.com/payments/success",
11  "failure_url": "https://example.com/payments/failure",
12  "payment_type": "Recurring",
13  "reference": "ORD-5023-4E89",
14  "capture": "true",
15  "customer": {
16    "email": "[email protected]",
17    "name": "John Smith"
18  },
19  "shipping": {
20    "address": {
21      "country": "GB"
22    }
23  },
24  "items": [
25    {
26      "reference": "1st item reference",
27      "name": "1st item name",
28      "unit_price": 10
29    }
30  ],
31  "processing_channel_id": "pc_ekaubqrravqupfxde7kxvd2t3i"
32}

If you receive a 202 Success response with a payment id and a status field set to Pending, your request was successful.


1{
2  "id": "pay_4z3h7526xn6evko3vnybrmnu4e",
3  "status": "Pending",
4  "reference": "ORD-5023-4E89",
5  "customer": {
6    "id": "cus_2g4ehcpm6phexgkzahlwxvbgne",
7    "email": "[email protected]",
8    "name": "John Smith"
9  },
10  "source": {
11    "id": "src_gnyde6bvifsukobwjb2vkwkbni",
12    "type": "truemoney"
13  },
14  "_links": {
15    "self": {
16      "href": "https://api.checkout.com/payments/pay_4z3h7526xn6evko3vnybrmnu4e"
17    },
18    "redirect": {
19      "href": "https://g.alipayplus.com/page/aplus-linker/acwallet/qrcode.html?url=alipayconne"
20    }
21  }
22}


1{
2  "amount": 44,
3  "currency": "EUR",
4  "source": {
5    "type": "id",
6    "id": "src_inmwstthmjyfcskeir3gcqtyj4"
7  },
8  "payment_type": "Recurring",
9  "reference": "ORD-5023-4E89-1234",
10  "customer": {
11    "name": "John Smith",
12    "email": "[email protected]"
13  },
14  "shipping": {
15    "address": {
16      "country": "GB"
17    }
18  },
19  "items": [
20    {
21      "reference": "1st item reference",
22      "name": "1st item name",
23      "unit_price": 43,
24      "quantity": 1
25    }
26  ],
27  "processing_channel_id": "pc_ekaubqrravqupfxde7kxvd2t3i"
28}

If you receive a 202 Success response with a payment id and a status field set to Pending, your request was successful.


1{
2  "id": "pay_xljv6f7ye4lebinkv7i7pho634",
3  "status": "Pending",
4  "reference": "ORD-5023-4E89-1234",
5  "customer": {
6    "id": "cus_mzrvode5g2jubm4bgbaad2usbu",
7    "email": "[email protected]",
8    "name": "John Smith"
9  },
10  "source": {
11    "id": "src_inmwstthmjyfcskeir3gcqtyj4",
12    "type": "truemoney"
13  },
14  "_links": {
15    "self": {
16      "href": "https://api.checkout.com/payments/pay_xljv6f7ye4lebinkv7i7pho634"
17    }
18  }
19}

You can retrieve details about an existing TrueMoney payment by using the payment id found in the payment response.

Use the following details to set up your request.

For the full API specification, see the API reference.

get

https://api.checkout.com/payments/{id}


1{
2  "id": "pay_7domcpi745nu5bdhm5rtrblbem",
3  "requested_on": "2022-09-02T07:15:58.894077Z",
4  "source": {
5    "type": "truemoney"
6  },
7  "items": [
8    {
9      "name": "1st item name",
10      "unit_price": 10,
11      "reference": "1st item reference"
12    }
13  ],
14  "amount": 1100,
15  "currency": "EUR",
16  "payment_type": "Regular",
17  "reference": "ORD-5023-4E89",
18  "status": "Captured",
19  "approved": true,
20  "balances": {
21    "total_authorized": 1100,
22    "total_voided": 0,
23    "available_to_void": 0,
24    "total_captured": 1100,
25    "available_to_capture": 0,
26    "total_refunded": 0,
27    "available_to_refund": 1100
28  },
29  "customer": {
30    "id": "cus_mzrvode5g2jubm4bgbaad2usbu",
31    "email": "[email protected]",
32    "name": "John Smith"
33  },
34  "shipping": {
35    "address": {
36      "country": "GB"
37    }
38  },
39  "processing": {
40    "partner_customer_id": "210220900020124540718"
41  },
42  "_links": {
43    "self": {
44      "href": "https://api.checkout.com/payments/pay_7domcpi745nu5bdhm5rtrblbem"
45    },
46    "actions": {
47      "href": "https://api.checkout.com/payments/pay_7domcpi745nu5bdhm5rtrblbem/actions"
48    },
49    "refund": {
50      "href": "https://api.checkout.com/payments/pay_7domcpi745nu5bdhm5rtrblbem/refunds"
51    }
52  }
53}

TrueMoney supports both partial and full refunds. You can refund a payment through the Dashboard or using the Refund API.

To get a detailed view of all required and optional fields, see our API reference.

post

https://api.checkout.com/payments/{id}/refunds


1{
2  "amount": 20
3}


1{
2  "action_id": "act_c4x2vjvnx4uelb4io72fa4e57a",
3  "_links": {
4    "payment": {
5      "href": "https://api.checkout.com/payments/pay_fzzdurog3squjj2ityho7x3o64"
6    }
7  }
8}

You may receive the following webhooks when using TrueMoney.

Webhook	Description
`payment_pending`	Occurs when the payment request is successfully initiated.
`payment_capture_pending`	Occurs when the payment request is successfully initiated and capture is pending.
`payment_captured`	Occurs when the payment is successfully captured.
`payment_declined`	Occurs when the payment request is rejected.
`payment_refund_pending`	Occurs when the refund request is successfully initiated.
`payment_refunded`	Occurs when the payment is fully or partially refunded.
`payment_refund_declined`	Occurs when the refund is declined.

View all of our webhook notifications.

Before you begin testing, you'll need to contact your Account Manager or Implementation Engineer to:

Activate TrueMoney payments in the sandbox environment.
Get credentials to access the Alipay+ Linker app.

To start testing once you've completed merchant onboarding to TrueMoney:

Sign in to the sandbox environment using the username and password provided by your Account Manager.
Create a TrueMoney sandbox transaction by following the Request a payment instructions.
Use the testing credentials to know what to do next depending on the device you are using.

When requesting a TrueMoney payment, there are specific steps to follow depending on the device being used and the processing.terminal_type specified in the payment request.

Device	processing.terminal_type	After selecting redirect link
Computer	`APP`	Select Pay Now.
Application	`APP`	Select Pay Now.
Computer	`WEB`	For this method, make sure you have set up TrueMoney as an e-wallet under Common Settings in the Alipay+ Linker app. To choose the correct e-wallet, select TEST_WALLET. Sign in to Alipay+ Linker app with the credentials provided by your Account Manager. Select TMN as an e-wallet under Common Settings. Select Scan. Scan the QR code from your computer screen. Select Pay Now.
Application	`WEB`	Open the URL with the Alipay+ Linker app. You will be redirected to a payment confirmation page. Select Pay Now.

TrueMoney

Information

Information

Supported countries and currencies

Information

Request a payment

Request example

Note

Response example

Redirect the customer

Request a recurring payment

Initial request example

Initial response example

Subsequent request example

Subsequent response example

Get details about a payment

Endpoints

Response example

Refund a payment

Request example

Response example

Webhooks

Testing TrueMoney

Testing credentials