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KakaoPay

Country: South Korea (KR)  |  Payment Rail: e_wallet

DigitalWallet Market Adoption: 90%

KakaoPay is South Korea's leading digital wallet embedded in KakaoTalk, supporting mobile payments, instant transfers, and automated subscription billing.

🔄 User Payment Flow

  1. Customer selects KakaoPay at merchant checkout
  2. Checkout presents QR code or opens KakaoTalk / KakaoPay app
  3. Customer selects funding source (Kakao Money balance or linked card) and authenticates biometrically
  4. KakaoPay debits account and returns instant payment success token to merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway to request KakaoPay session URL
  • PSP issues payment token and KakaoPay app deep link
  • PSP receives KakaoPay payment clearing callback and updates merchant order status

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Antom