# Government Savings Bank

> The Government Savings Bank (GSB) is a government-guaranteed financial institution in Thailand.

The Government Savings Bank (GSB) is a legal person and a state-owned enterprise. It is a government-guaranteed financial institution under the supervision of the Ministry of Finance of Thailand.

GSB has more than 5 million Thai users. Currently, the bank supports users to pay via online banking.

## Properties

The properties of the GSB payment method are shown in the following table:

| **Payment type** | Online banking | Online banking | Online banking |
| --- | --- | --- | --- |
| **Acquirer** | AntomSG, AntomHK, AntomUS, AntomUK, AntomEU | **Refund** | ❌ |
| **Merchant entity location** | SG, HK, US, UK, EEA | **Partial refund** | ❌ |
| **Buyer country/region** | Thailand | **Refund period** | ❌ |
| **Processing currency** | THB | **Time to return refund result** | ❌ |
| **Payment flow** | Redirect | **Time to return payment result** | Real-time |
| **Minimum payment amount** | 1 THB | **Chargeback/Dispute** | ❌ |
| **Maximum payment amount** | 2 million THB (ATM: 0.5 million THB) | **Customize the timeout** | ✔️ |
| **Maximum payment amount** | 2 million THB (ATM: 0.5 million THB) | **Default timeout** | 48 hours |

## User experience

> **Note**: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.

The following graphic shows the user experience for the App terminal.

![1748336291334-33bd2e61-3190-4ba6-ac02-186e6576efad (1).png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/e851355a-32a6-466a-b121-0cb49766897c.png)

1.  The buyer selects GSB to pay.
2.  The buyer obtains the payment code.
3.  The buyer manually opens a bank app and completes the payment.
4.  The buyer is redirected to the merchant result page.

## Supported online payment integrations

Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method:

| **Supported online payments** | **Supported integrations** |
| --- | --- |
| One-time Payments | ✔️ [API-only](https://docs.antom.com/ac/cashierpay/apm_api.md) ❌ Hosted Checkout Page ❌ Embedded Checkout Page ✔️ [Web Element](https://docs.antom.com/ac/cashierpay_zh-cn/element.md) ✔️ [Mobile Element](https://docs.antom.com/ac/cashierpay_zh-cn/element.md) ❌ Payment links |
| Tokenized Payment | ❌ |
| Subscription Payment | ❌ |
| EasySafePay | ❌ |
| Scan to Link | ❌ |

## Integration considerations

The following section outlines integration considerations for various payment types, detailing customized integration solutions and payment method features.

### About _normalUrl_

-   When accepting payments from GSB, you can choose whether to use _normalUrl_:

-   If choosing not to use _normalUrl_, you can directly render the _codeValue_ in the API response on the merchant page to display the QR code or payment code, reducing page redirections and improving the payment experience.
-   If choosing to use _normalUrl_, redirect your buyer to the address specified by _normalUrl_ and proceed the payment process as indicated in [User experience](#tV2u4).

-   For Web, WAP, and App terminals, _normalUrl_ is returned in the response of the [**pay (One-time Payments)**](https://docs.antom.com/ac/ams/payment_cashier.md) API. The buyer is redirected to the address specified by _normalUrl_ and uses the payment code displayed on the page to proceed with the payment within the mobile banking app or on the offline ATM device. After the payment is completed, the middle page automatically redirects to the merchant result page.
-   Different terminal types have specific integration features when returning _normalUrl_:

-   WAP: The returned _normalUrl_ is the payment code and payment operation display page. The buyer copies the payment code and proceeds to the bank app or the ATM based on the payment operation or the screenshot to complete the payment.
-   App: The returned _normalUrl_ does not trigger the payment method app. It is recommended to render the URL page directly within the merchant app and provide payment operation steps to guide the buyer to complete the payment.

### After payments

-   After the buyer completes the payment in the bank app, the banking app will not automatically redirect to the merchant's results page. The buyer needs to manually navigate to the transaction initiation app (the merchant app or browser).
-   This payment method does not support refunds. It is recommended to communicate directly with the buyer offline.
-   Obtain the payment result from the payment result notification ([**notifyPayment**](https://docs.antom.com/ac/ams/paymentrn_online.md)) or by making inquiries ([**inquiryPayment**](https://docs.antom.com/ac/ams/paymentri_online.md)). Handle the redirection and display of the payment result page to avoid duplicate payments.

### Default timeout

The QR code returned by Antom will not be refreshed automatically. When displaying the QR code, use the _expireTime_ parameter value returned in the [**pay (One-time Payments)**](https://docs.antom.com/ac/ams/payment_cashier.md) API response to display the timeout information. Enable the copy function for the payment code when displaying the payment code, and allow the buyer to conveniently paste the payment code into the payment method app.

### Response sample

The following is a code example in the payment response:

```json
{
    "normalUrl": "https://iexpfront-sea-global.alipay.com/payments/method/checkout/code.html?merchantId=188iwOYLsWM%2B3OM5i43oAN6sL7yTti1YlTOEpSbxNsmiew%3D&paymentRequestId=CXAYOydvzFe7eL4AQN2FPFl4b1fasGA7UFbW9%2Boganw%3D&clientId=5Y607N2YJU8006726",
    "orderCodeForm": {
        "codeDetails": [
            {
                "codeValue": "0887405595",
                "displayType": "TEXT"
            },
            {
                "codeValue": "https://iexpfront-sea.alipay.com/showQrImage.htm?code=3%252Fk97oupdVD%252ByBP1ou%252BptqjVaG8Ixnok9U7nnDE2WPVTDPpBzDn8dkIsmtHcKjKN8whponnj8Sni940IWpkvIw%253D%253D&size=M&sid=188",
                "displayType": "MIDDLEIMAGE"
            },
            {
                "codeValue": "|010555303610000 0000000887405595 0000000887405595 120",
                "displayType": "TEXT"
            }
        ],
        "expireTime": "2024-03-05T18:59:42-08:00"
    },
    "paymentActionForm": "{\"paymentActionFormType\":\"PaymentCodeForm\",\"paymentCodeExpireTime\":1709693982000,\"paymentCodeInfos\":[{\"paymentCodeDetails\":[{\"codeValue\":\"0887405595\",\"codeValueType\":\"DIGICODE\",\"displayType\":\"TEXT\"},{\"codeValue\":\"|010555303610000 0000000887405595 0000000887405595 120\",\"codeValueType\":\"QRCODE\",\"displayType\":\"IMAGE\"},{\"codeValue\":\"|010555303610000 0000000887405595 0000000887405595 120\",\"codeValueType\":\"BARCODE\",\"displayType\":\"IMAGE_CONVERT\"}],\"paymentCodeInfoType\":\"PAYMENT_CODE\"}]}",
    "paymentAmount": {
        "currency": "THB",
        "value": "120"
    },
    "paymentCreateTime": "2024-03-03T18:59:42-08:00",
    "paymentId": "20240304194010800100188910209087631",
    "paymentRequestId": "PAY_202403041405940069",
    "redirectActionForm": {
        "method": "GET",
        "redirectUrl": "https://iexpfront-sea-global.alipay.com/payments/method/checkout/code.html?merchantId=188iwOYLsWM%2B3OM5i43oAN6sL7yTti1YlTOEpSbxNsmiew%3D&paymentRequestId=CXAYOydvzFe7eL4AQN2FPFl4b1fasGA7UFbW9%2Boganw%3D&clientId=5Y607N2YJU8006726"
    },
    "result": {
        "resultCode": "PAYMENT_IN_PROCESS",
        "resultMessage": "payment in process",
        "resultStatus": "U"
    }
}
```