API Credit / Debit Transfer
Introduction
Our real-time API credit / debit transfer offers the following services:
- Direct Credit: Transfer to SCB account (THB or FCD account)
- Transfer to Other Bank: Cross-bank transfer to THB account
- Direct Debit: Automated payment from THB or FCD account
- PromptPay: Transfer to PromptPay account using TaxID or Citizen ID
Customers can initiate and send API requests to the bank for real-time credit / debit transfer every day 24 hours.
APIs
There are 5 APIs as listed below:
1. Initiate API request
This endpoint is for verifying credit or debit transfer transactions (full/partial amount) in THB or FCD account.
API related
- POST/v1/payment/transfer/fcd/credit/initiate
- POST/v1/payment/transfer/fcd/debit/initiate
User journey
2. Confirm API request
This endpoint is for confirming credit or debit transfer transactions (full/partial amount) in THB or FCD account.
API related
- POST/v1/payment/transfer/fcd/credit/confirm
- POST/v1/payment/transfer/fcd/debit/confirm
User journey
3. Inquiry API request
This endpoint is for inquiry of transfer status in THB or FCD account.
API related
- POST/v1/payment/transfer/fcd/inquiry
User journey
Prerequisites
- API Authentication – Required
- Type of Authentication – OAuth token
- OAuth Grant Type – Client Credentials
- SSL Certificate – Required
Technical Flow
Direct Credit
Direct transfer from any THB account to SCB THB account, from any FCD account to SCB FCD account of the same currency.
Reference API
| Seq No. | API Name | API Endpoints |
|---|---|---|
| 1 | Generate Access Token | POST /v1/oauth/token |
| 3 | Initiate Credit Transfer Transactions | POST /v1/payment/transfer/fcd/credit/initiate |
| 7 | Confirm Credit Transfer Transactions | POST /v1/payment/transfer/fcd/credit/confirm |
Transfer to Other Bank
Cross-bank transfer for up to 2,000,000 baht (THB to THB account)
Reference API
| Seq No. | API Name | API Endpoints |
|---|---|---|
| 1 | Generate Access Token | POST /v1/oauth/token |
| 3 | Initiate Credit Transfer Transactions | POST /v1/payment/transfer/fcd/credit/initiate |
| 7 | Confirm Credit Transfer Transactions | POST /v1/payment/transfer/fcd/credit/confirm |
PromptPay (TaxID / Citizen ID)
Transfer to PromptPay account for up to 2,000,000 baht (THB to THB account)
Reference API
| Seq No. | API Name | API Endpoints |
|---|---|---|
| 1 | Generate Access Token | POST /v1/oauth/token |
| 3 | Initiate Credit Transfer Transactions | POST /v1/payment/transfer/fcd/credit/initiate |
| 7 | Confirm Credit Transfer Transactions | POST /v1/payment/transfer/fcd/credit/confirm |
Direct Debit
Automated payment from customer’s bank account to business’ bank account (FCD to FCD account and THB to THB account)
Reference API
| Seq No. | API Name | API Endpoints |
|---|---|---|
| 1 | Generate Access Token | POST /v1/oauth/token |
| 3 | Initiate Debit Transfer Transactions | POST /v1/payment/transfer/fcd/debit/initiate |
| 7 | Confirm Debit Transfer Transactions | POST /v1/payment/transfer/fcd/debit/confirm |
Transfer transactions inquiry
This endpoint is for inquiry of transfer status in THB or FCD account.
Reference API
| Seq No. | API Name | API Endpoints |
|---|---|---|
| 1 | Generate Access Token | POST /v1/oauth/token |
| 3 | Transfer Transactions inquiry | POST /v1/payment/transfer/fcd/inquiry |