# Siam Commercial Bank
> Siam Commercial Bank (SCB) is the first bank in Thailand.
**Tab: For One-time Payments**
Founded in 1907 by the Royal Charter of Thailand, Siam Commercial Bank (SCB) is the first bank in Thailand. SCB is the world's leading universal banking group. SCB has the highest market capitalization in Thailand, which is the bank with the most branches and ATMs.
SCB has more than 15 million Thai users. Currently, the bank supports two different ways to pay: online banking and bank transfer via offline ATMs.
## Properties {#3PSt8}
The properties of the SCB payment method are shown in the following table based on different payment types:
| **Payment type** | Online banking | | |
| --- | --- | --- | --- |
| **Acquirer** | AntomSG, AntomUS, AntomHK, AntomUK, AntomEU | **Refund** | ❌ |
| **Merchant entity location** | SG, US, HK, 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 | **Default timeout** | 14 minutes |
| **Payment type** | Bank transfer | | |
| --- | --- | --- | --- |
| **Acquirer** | AntomSG, AntomUS, AntomHK, AntomUK, AntomEU | **Refund** | ❌ |
| **Merchant entity location** | SG, US, HK, 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) | **Default timeout** | 48 hours |
| **Customize the timeout** | ✔️ | | |
## User experience {#U1NZH}
> **[INFO]** **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 graphics show the user experience for the App terminal in different scenarios .
**Tab: Online banking**
1. The buyer selects SCB to pay.
2. The buyer is redirected to the bank page and enters the PIN.
3. The buyer confirms the order information.
4. The buyer is redirected to the merchant result page.
**Tab: Bank transfer**
1. The buyer selects SCB to pay.
2. The buyer confirms the transaction information in the bank page.
3. The buyer is redirected back to the merchant result page.
## Supported online payment integrations {#z8Iub}
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) Not supported on PC ✔️ [Hosted Checkout Page](https://docs.antom.com/ac/cashierpay/HOSTEDCKP.md) ✔️ [Embedded Checkout Page](https://docs.antom.com/ac/cashierpay/embeddedckp.md) ✔️ [Web Element](https://docs.antom.com/ac/cashierpay/element.md) ✔️ [Mobile Element](https://docs.antom.com/ac/cashierpay/element.md) ❌ Payment links |
| Tokenized Payment | ✔️ [API-only](https://docs.antom.com/ac/auto_debit/integration_guide.md) |
| Subscription Payment | ❌ |
| EasySafePay | ❌ |
| Scan to Link | ❌ |
## Integration considerations {#X9xsl}
The following section outlines integration considerations for various payment types, detailing customized integration solutions and payment method features.
**Tab: Online banking**
### About *normalUrl* {#about-normalurl}
- For Web terminal, *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 enters the bank payment page to complete the payment by scanning the QR code with the SCB app.
- For 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 payment information page, open the SCB app and input the PIN to complete the payment. After the payment is completed, the buyer is redirected back to the browser page first and then back to the merchant result page.
- The URL returned by the App is the bank middle page, which supports the buyer to launch the bank app for payment. It is recommended to render the bank middle page URL within the merchant app and be compatible with the abilities of *applinkUrl* and *schemeUrl* in WebView. Set the merchant result page to the browser link instead of the app's scheme.
### After payments {#after-payments}
- After completing the bank app payment, redirect the buyer first to the browser page and then back to the merchant result page specified in the *paymentRedirectUrl* parameter.
- When the buyer selects the online banking method for payment, the bank charges the buyer a handling fee for each transaction. Regarding the specific amount of the handling fee, consult the bank for detailed information.
- This payment method does not support refunds. It is recommended to communicate directly with the buyer offline.
### Default timeout {#default-timeout}
If the buyer does not complete the payment, Antom sends you an asynchronous notification of the payment result at the 14th minute. The timeout period for the merchant to wait for the asynchronous notification or inquire about the result must be greater than 14 minutes.
**Tab: Bank transfer**
### After payments {#bmogj}
- After the buyer completes the payment in the bank app, the banking app will not automatically redirect to the merchant's results page. Buyers need to manually navigate to the transaction initiation app (the merchant app or browser).
- This payment method does not support refunds. It is recommended that you 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 {#XXxv0}
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. When displaying the payment code , enable the copy function for the payment code and allow the buyer to conveniently paste the payment code into the payment method app.
### Response sample {#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=4HIDfStAMG1yCZHsP6XM0ml9aSsEwkMet7ZAKzCjP3s%3D&clientId=5Y607N2YJU8006726",
"orderCodeForm": {
"codeDetails": [
{
"codeValue": "9329267687",
"displayType": "TEXT"
},
{
"codeValue": "https://iexpfront-sea.alipay.com/showQrImage.htm?code=3%252Fk97oupdVD%252ByBP1ou%252Bptg3%252BhnUtL2QlpjFfdDkjA1p9YgInien3qVAyNCp7uiDXo4RM3fobSrB3OIBqE%252BIFTQ%253D%253D&size=M&sid=188",
"displayType": "MIDDLEIMAGE"
},
{
"codeValue": "|010555303610000 0000009329267687 0000009329267687 230",
"displayType": "TEXT"
}
],
"expireTime": "2024-03-24T00:39:57-07:00"
},
"paymentActionForm": "{"paymentActionFormType":"PaymentCodeForm","paymentCodeExpireTime":1711265997000,"paymentCodeInfos":[{"paymentCodeDetails":[{"codeValue":"9329267687","codeValueType":"DIGICODE","displayType":"TEXT"},{"codeValue":"|010555303610000 0000009329267687 0000009329267687 230","codeValueType":"QRCODE","displayType":"IMAGE"},{"codeValue":"|010555303610000 0000009329267687 0000009329267687 230","codeValueType":"BARCODE","displayType":"IMAGE_CONVERT"}],"paymentCodeInfoType":"PAYMENT_CODE"}]}",
"paymentAmount": {
"currency": "THB",
"value": "230"
},
"paymentCreateTime": "2024-03-22T00:39:57-07:00",
"paymentId": "20240322194010800100188320212542447",
"paymentRequestId": "PAY_20240322153955201",
"redirectActionForm": {
"method": "GET",
"redirectUrl": "https://iexpfront-sea-global.alipay.com/payments/method/checkout/code.html?merchantId=188iwOYLsWM%2B3OM5i43oAN6sL7yTti1YlTOEpSbxNsmiew%3D&paymentRequestId=4HIDfStAMG1yCZHsP6XM0ml9aSsEwkMet7ZAKzCjP3s%3D&clientId=5Y607N2YJU8006726"
},
"result": {
"resultCode": "PAYMENT_IN_PROCESS",
"resultMessage": "payment in process",
"resultStatus": "U"
}
}
```
**Tab: For Tokenized Payment**
Founded in 1907 by the Royal Charter of Thailand, Siam Commercial Bank (SCB) is the first bank in Thailand. SCB is the world's leading universal banking group and has the highest market capitalization in Thailand, it is the bank with the most branches and ATMs. SCB has more than 15 million Thai users.
## Properties {#SUMIb}
The properties of the SCB payment method are shown in the following table:
| **Payment type** | Online banking | | |
| --- | --- | --- | --- |
| **Acquirer** | AntomSG, AntomUS, AntomHK, AntomUK, AntomEU | **Merchant entity location** | SG, US, HK, UK, EEA |
| **Payment flow** | Redirect | **Refund** | ❌ |
| **Buyer country/region** | Thailand | **Partial refund** | ❌ |
| **Processing currency** | THB | **Chargeback/Dispute** | ❌ |
| **Minimum payment amount** | 1 THB | **Time to return payment result** | Real-time |
| **Maximum payment amount** | 2 million THB (ATM: 0.5 million THB) | **Default timeout** | 14 minutes |
## User experience {#OpwQi}
The following graphic shows the SCB app authorization process:
## Supported online payment integrations {#DIX1Z}
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) Not supported on PC ✔️ [Hosted Checkout Page](https://docs.antom.com/ac/cashierpay/HOSTEDCKP.md) ✔️ [Embedded Checkout Page](https://docs.antom.com/ac/cashierpay/embeddedckp.md) ✔️ [Web Element](https://docs.antom.com/ac/cashierpay/element.md) ✔️ [Mobile Element](https://docs.antom.com/ac/cashierpay/element.md) ❌ Payment links |
| Tokenized Payment | ✔️ [API-only](https://docs.antom.com/ac/auto_debit/integration_guide.md) |
| Subscription Payment | ❌ |
| EasySafePay | ❌ |
| Scan to Link | ❌ |