Payins

SentBiz Payins allow businesses to receive KRW via local bank transfers into their wallet using Virtual Accounts (VAs). These VAs support both third-party collections and internal funding, enabling real-time posting, automation, and seamless integration with payout workflows.

Payin Flow

Step 1: Assign a Virtual Account

The business (client) requests a KRW virtual account via API.

Step 2: Share Account Details

The client shares the virtual account details with:
- Their own finance team (for wallet funding), or
- End-customers (for collections on behalf of merchants)

Step 3: Local Bank Transfer

The payer (e.g. Korean buyer or the client itself) sends KRW to the virtual account using a local bank transfer.

Step 4: Real-time Posting

Once funds are received:
The amount is posted to the client’s wallet in real-time
A webhook notification is triggered (if configured)

Step 5: Use the Funds

The client can use the received funds for:
Cross-currency FX conversion
Payouts to overseas recipients via SentBiz APIs
Internal reconciliation or settlement

API Summary

Virtual Account Management

Method	Endpoint	Description
POST	`/v3/virtual-accounts`	Create a new virtual account. – Deposit validity depends on contract. – Requires user creation.
GET	`/v2/virtual-accounts`	Retrieve a list of issued virtual accounts.
GET	`/v2/virtual-accounts/{virtual_account_id}`	Retrieve details of a specific virtual account.
PUT	`/v2/virtual-accounts/{virtual_account_id}`	Update account info before deposit. – Static accounts cannot be modified.
DELETE	`/v2/virtual-accounts/{virtual_account_id}`	Cancel a virtual account before deposit.
POST	`/v2/virtual-accounts/search`	Search virtual accounts using filters.

Deposit Transactions

Method	Endpoint	Description
GET	`/v2/virtual-accounts/{virtual_account_id} /transactions`	List deposit transactions for the account.
POST	`/v2/virtual-accounts/{virtual_account_id} /transactions/search`	Search transactions using filters.
GET	`/v2/virtual-accounts/{virtual_account_id}/transactions /{transaction_id}`	Get details of a specific transaction.
POST	`/v2/virtual-accounts/{virtual_account_id} /deposit`	Simulate a deposit (sandbox only). – Not available in production.
GET	`/v2/virtual-accounts/{virtual_account_id}/transactions /{transaction_id}/receipt`	Download deposit receipt as PDF.

Supporting Documents

Method	API Endpoint	Description
POST	`/v2/virtual-accounts/{virtual_account_id}/transactions/{transaction_id}/documents`	Upload a supporting document for a transaction.
GET	`/v2/virtual-accounts/{virtual_account_id}/transactions/{transaction_id}/documents/{supporting_document_id}`	Download a specific supporting document.

Webhook: Virtual Account Deposit Completed

SentBiz notifies the client upon successful deposit via webhook.

Setup Requirements:
- Share Webhook URL and key with SentBiz.
- Complete firewall whitelist.
Retry Policy:
- Retries if result ≠ SUCCESS.
- 12 retries at 10-minute intervals.

Client Response Format

{
 "transaction_id": "abc123",
 "result": "SUCCESS"
}

Duplicate Handling:

If a webhook with the same transaction_id is received again, skip processing and return SUCCESS.