Qitero Qitero

South Korea Local Cards

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

Card Market Adoption: 95%

South Korea Local Cards cover major domestic card issuers (Shinhan, KB, Hyundai, Samsung), supporting zero-interest installments (Halbu) and automated card recurring billing.

🔄 User Payment Flow

  1. Customer selects local card (e.g., Shinhan, KB, Hyundai) and interest-free installment plan (Halbu) at checkout
  2. Checkout opens card issuer App Card (AppCard) or 3DS authentication modal
  3. Customer verifies transaction via card PIN or biometric auth
  4. Korean card switch clears transaction and redirects customer back to merchant

⚙️ Characteristics & Settlement

Instant PaymentNO
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls card acquiring gateway API with Korean card token
  • PSP requests domestic card network authorization via VAN / PG
  • PSP receives card clearing callback and confirms order