Qitero Qitero

Toss Payments

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

DigitalWallet Market Adoption: 70%

Toss is a premier South Korean fintech super-app and acquiring gateway, supporting instant bank transfers, digital wallets, and automated subscription billing.

🔄 User Payment Flow

  1. Customer selects Toss Payments at merchant checkout
  2. Checkout opens Toss mobile app or presents Toss Pay QR code
  3. Customer approves transaction with Toss passcode or face/fingerprint auth
  4. Toss clears funds from Toss Money balance or linked bank/card account and returns success token

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls payment creation API for Toss Payments session
  • PSP issues payment token and Toss Pay link
  • PSP receives Toss payment clearing callback and confirms order