# South Korean Cards

> Credit cards have been a common payment method in South Korea.

 Credit cards have been a common payment method in South Korea since the 1960s, and remain the preferred payment method today, accounting for more than 50% of the online e-commerce payment volume. In a country where 95% of the population holds bank accounts and a credit card penetration rate surpasses 60%, accepting South Korean card payments enables you to reach nearly the entire population of over 50 million.

# Supported card brands {#2jmyU}

 In contrast to international cards, the majority of South Korea's local cards are issued by nine primary companies. Prominent brands include Shinhan, BC, Samsung, KB, Hyundai, Lotte, NH, Hana, and Woori. Of the over 110 million cards issued locally, single-badged cards account for around 45%, while co-badged cards, which also display international card scheme logos, make up approximately 55%. Antom's solution supports both single-badged and co-badged local cards.

 The following are all supported South Korean local card brands:

 - Shinhan Card, Hyundai Card, Samsung Card, Lotte Card, Hana Card, KB Kookmin Card, BC Card, NH Nonghyup Card, Woori Card, IBK B.C., Gwangju Bank, KDB Industrial Bank, Saemaeul Geumgo, Shinhyeop, Citi Card, Post office deposit insurance, Korea Federation of Savings Banks, Jeonbuk Bank, Jeju Bank, Kakao Bank, K Bank, Toss Bank, SH Suhyup Bank.

# Properties {#UiXti}

 The following table lists the product properties supported by South Korean Cards:

 | **Availability** | **Product type** | Issuer-authenticated payment | Non-authenticated payment |
| --- | --- | --- | --- |
| **Acquirer** | AntomSG, AntomUS, AntomUK, AntomEU, AntomHK | AntomSG, AntomUS, AntomUK, AntomEU, AntomHK |  |
| **Merchant entity location** | SG, HK, US, UK, EEA | SG, HK, US, UK, EEA |  |
| **Buyer country/region** | South Korea | South Korea |  |
| **Merchant business type** | All business types and by-default product setup | Non-high-risk business types (but require case-by-case review by issuers due to high fraud risk) |  |
| **Product features** | **Payment type** | Card | Card |
| **Card brand** | Support all South Korean local card brands, see the   [Card brands](#2jmyU)   for details |  |  |
| **Card type** | No limit | No limit |  |
| **Processing currency** | KRW | KRW |  |
| **Other** | **3D** | ❌ | ❌ |
| **Authorization validity period** | 7 days | 7 days |  |
| **Minimum payment amount** | Refer to the   [Transaction limit](#s75qu)   table for the default limit setting. |  |  |
| **Maximum payment amount** |  |  |  |
| **Recurring payments (MIT)** | ❌ | ❌ |  |
| **Multiple partial captures** | ❌ | ❌ |  |
| **Partial capture** | ❌ | ❌ |  |
| **Refunds** | ✔️ | ✔️ |  |
| **Partial refunds** | ✔️ | ✔️ |  |
| **Chargeback/Dispute** | ✔️ | ✔️ |  |
| **Refund period** | 365 days | 365 days |  |
| **Advanced AVS check** | ❌ | ❌ |  |
| **Special payment element** | Refer to   [Special payment elements for Cards](https://docs.antom.com/ac/pm/enumeration_values.md#uAnSf)   for more details. |  |  |
| **Installment** | ✔️ | ✔️ |  |
| **Installment interest payer**    ​ | Users Card issuers | Users Card issuers |  |
| **Interest free plan** | See the   [installment information](#D6btI)   below. | See the   [installment information](#D6btI)   below. |  |
| **Installment amount limitation** | Amount ≥ 50,000 KRW | Amount ≥ 50,000 KRW |  |
| **Installment supported plan** | 2-12 months | 2-12 months |  |

 [1] For the two payment flows for South Korean Cards, refer to   [User experience](#PywBc)   for more details.

#### Transaction limit {#s75qu}

 | **Card brands** | **Single transaction limit** | **No. of daily transactions** | **Daily limit** | **Monthly limit** |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| **Top-up** | **Gaming** | **Top-up** | **Gaming** | **Top-up** | **Gaming** | **Top-up** | **Gaming** |  |
| **Kookmin** | N/A | N/A | 4 | N/A | N/A | 200,000 | 1,000,000 | N/A |
| **BC** | N/A | N/A | N/A | N/A | N/A | 200,000 | N/A | N/A |
| **NongHyup** | 100,000 | 100,000 | 10 | 10 | 500,000 | 500,000 | N/A | N/A |
| **Lotte** | N/A | N/A | N/A | N/A | 500,000 | 500,000 | N/A | N/A |
| **Hana** | N/A | N/A | N/A | N/A | 1,000,000 | 500,000 | N/A | N/A |
| **Samsung** | N/A | N/A | N/A | N/A | N/A | 500,000 | 500,000 | 500,000 |
| **Shinhan** | N/A | N/A | N/A | N/A | 50,000 | 50,000 | N/A | N/A |
| **Hyundai** | 110,000 | 110,000 | 5 | 5 | 550,000 | 550,000 | N/A | N/A |
| **Woori** | N/A | N/A | N/A | N/A | 300,000 | 300,000 | N/A | N/A |

 [1] Note that card issuers might change this limit according to different internal policies.

# User experience {#PywBc}

 > **[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.

 Antom offers two types of payment flows for South Korean Cards:

 - **Issuer-authenticated payment**    : The buyer is redirected to the bank page of the chosen issuer to complete the payment. Payment is completed via different processes, such as scanning a QR code, or inputting card or bank account information, depending on the particular bank's capabilities. You are required to provide these payment flows for merchant industries such as gaming and top-up services.
- **Non-authenticated payment (Key-in)**    : The buyer needs to manually key in their card details as per the typical international card payment process.

 > **[INFO]** **Note**    : For South Korean Cards-installment function, merchants can design how to show 2-12 installments for buyers, or merchants can redirect buyers to Antom's middle page for buyers to choose 2-12 installments. When buyers choose a specific installment plan, the common practice in the Korean market is that merchants do not show buyers the corresponding plan's interest rate on the checkout page. Instead, Korean buyers can check their interest fees on the card issuers' monthly bills or statements.

 The following figures show the journey of paying with South Korean Cards in different scenarios.

## Issuer-authenticated payment {#VcMPg}

 This section shows the user experience of API-only integration under the issuer-authenticated payment.

<!-- TabGroup -->

**Tab: Bank list provided by merchant**

<!-- TabGroup -->

**Tab: Web**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/1710730763073-9dd0bb0e-4c95-4ad5-8f4f-78c46dac60a7.png)

 1. The buyer selects a bank.
2. The bank page is to be opened and presents available authentication methods.   [1]
3. The buyer chooses an authentication method to proceed.
4. The QR code and payment code are to be displayed on the page for the buyer to scan or input within a mobile app.
5. The buyer selects a card within the app, complete user authentication, and confirm payment.
6. The buyer is redirected to the merchant site and are notified of the payment result.

 [1] Different banks may offer different authentication methods, including card number with password, the pre-installed mobile bank app, CVC, SMS OTP, ARS authentication, etc, based on the options that banks provide to buyers. ARS authentication is an authentication method that involves providing buyers with a PIN code over a phone call.

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/1710730842052-c1a76241-2f29-4f26-b1bf-79ecab787bc2.png)

 ​

 1. The buyer selects a bank.
2. The bank page is to be opened and presents available authentication methods.   [1]
3. The buyer chooses an authentication method to proceed.
4. The pre-installed app is to be evoked for the buyer to proceed with payment using a mobile app. The buyer selects a card within the app, completes the user authentication, and confirms the payment.
5. The buyer is redirected to the merchant site and is notified of the payment result.

 [1] Different banks may offer different authentication methods, including card number with password, the pre-installed mobile bank app, CVC, SMS OTP, ARS authentication, etc, based on the options that banks provide to buyers. ARS authentication is an authentication method that involves providing buyers with a PIN code over a phone call.

<!-- /TabGroup -->

**Tab: Bank list provided by Antom**

<!-- TabGroup -->

**Tab: Web**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/701b3adf-5a9c-440a-aaaf-949c0fbc3270.png)

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/1bebee87-48f9-47fd-800a-5e0e7c0f6ccf.png)

<!-- /TabGroup -->

<!-- /TabGroup -->

## Non-authenticated payment {#Tfasw}

 This section shows the difference of user experience between API-only and SDK integration under the non-authenticated payment.

### API integration {#rbJEj}

 For API-only integration, the user experience of paying with South Korean Cards between the first-time and subsequent payments is different.

<!-- TabGroup -->

**Tab: First-time payment**

<!-- TabGroup -->

**Tab: PCI qualified (Corporate card)**

<!-- TabGroup -->

**Tab: Web**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/2c91c6bf-d129-492c-a10c-4940981d776d.png)

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/6cdf99f8-fe27-46bc-aef2-f4a8d56a4be6.png)

<!-- /TabGroup -->

**Tab: PCI qualified (Individual card)**

<!-- TabGroup -->

**Tab: Web**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/e0086377-009f-40a5-a4a2-6f4ce5281762.png)

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/933df709-4656-4b4e-ab0c-5f8d0710e6cd.png)

<!-- /TabGroup -->

**Tab: Non-PCI qualified (Corporate card)**

<!-- TabGroup -->

**Tab: Web**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2024/png/f35cf2bd-5aa7-4af8-ac2d-f10686de0e41.png)

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2024/png/aef72899-e396-4a96-b6a3-ec38d1f00468.png)

<!-- /TabGroup -->

**Tab: Non-PCI qualified (Individual card)**

<!-- TabGroup -->

**Tab: Web**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2024/png/45e301fc-74c7-4775-b4a1-28cec9ccd312.png)

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2024/png/90ffc1e6-6649-4ad8-80e0-e77175f32baf.png)

<!-- /TabGroup -->

<!-- /TabGroup -->

**Tab: Subsequent payments**

<!-- TabGroup -->

**Tab: PCI qualified**

<!-- TabGroup -->

**Tab: Web**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/1716795341441-422cf843-56a1-4229-ba27-688d098d7847.png)

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/5c778e5c-b5df-4b12-b809-903a6c761cf6.png)

<!-- /TabGroup -->

**Tab: Non-PCI qualified**

<!-- TabGroup -->

**Tab: Web**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/1716539950359-f39026d2-ff36-45d9-8222-7b8f4da0c2a3.png)

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/8f18d9c3-2729-4ad2-97ef-1ef56dbf955f.png)

<!-- /TabGroup -->

<!-- /TabGroup -->

<!-- /TabGroup -->

### SDK integration     **​** {#tjTYe}

 For SDK integration, the user experience of paying with South Korean Cards between the first-time and subsequent payments is different.

<!-- TabGroup -->

**Tab: First-time payment**

<!-- TabGroup -->

**Tab: Corporate card (Web)**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/b3c0f7ba-4258-4625-b0ad-17af8246bab1.png)

**Tab: Corporate card (App)**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/078dea18-41cd-4c01-83cf-88b20a649fcb.png)

**Tab: Individual card (Web)**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/f12ed704-d6d1-4f6e-a7ef-6b3769eff2d4.png)

**Tab: Individual card (App)**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/71cb0124-10f7-4aaf-ba33-bc9a89647506.png)

<!-- /TabGroup -->

**Tab: Subsequent payments**

<!-- TabGroup -->

**Tab: Web**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/1716540255406-dea1dd4a-509f-43a8-87da-977f1eb226c5.png)

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/eb88bef5-3c97-4d50-8163-1bc52c6b3a79.png)

<!-- /TabGroup -->

<!-- /TabGroup -->

# South Korean Card issuers' interest-free installment information {#D6btI}

 | **Interest-Free installment (Transactions over 50,000 KRW)**     (05/01/2026 ~ 05/31/2026) |  |  |  |
| --- | --- | --- | --- |
| **Card issuer** | **Installment months** | **Remarks** | **Applicable targets** |
| Samsung | 2~3 | *Home shopping/tax/hospital industries are excluded | Online PG Service |
| Lotte | 2~5 | *Debit, prepaid, corporate, gift cards are excluded |  |
| Shinhan | 2~3 | *Tax (national/local) industries are excluded |  |
| Kookmin | 2~3 | *Debit, business, BC, and prepaid cards are excluded |  |
| BC | 2~5 | *National/local taxes, property insurance, department stores, travel, academies/education are eligible for 2-3 months |  |
| Woori | 2~5 | *Debit, corporate, gift cards are excluded     *Cars, used cars, gift voucher, national tax, local tax, and insurance are excluded |  |
| NongHyup | 2~6 | *Sports/leisure goods, automobile maintenance/repair, etc. are eligible for 2-3 months     *NH Hanaro mart, hypermarket, insurance are eligible for 2-3 months |  |
| Hyundai | 2~3 | Transaction over 10,000 KRW are eligible for interest-free installment     (in some cases over 50,000 KRW are eligible)       *Gift voucher, home shopping, pharmaceuticals, and etc. are excluded |  |
| Hana | 2~3 | *Hypermarket, airlines, duty-free shops, travel agencies, pharmacies are eligible for 2-3 months     *Property insurance, taxes, academies, outlets/large shopping center are excluded |  |
| Jeonbuk | 2~3 | None |  |
| Gwangju | 2~5 | None |  |
| **Partial interest-Free installment (Purchases over ￦50,000)** |  |  |  |
| **Card issuer** | **Installment months** | **Charged to customer** | **Free for customer** |
| Samsung | 7 | 1~3 month | 4~7 month |
| 11 | 1~5 month | 6~11 month |  |
| 23 | 1~10 month | 11~23 month |  |
| Kookmin | 6 | 1~3 month | 4~6 month |
| 10 | 1~5 month | 6~10 month |  |
| 12 | 1~5 month | 6~12 month |  |
| 18 | 1~8 month | 8~18 month |  |
| Shinhan | 7 | 1~3 month | 4~7 month |
| 9 | 1~4 month | 5~9 month |  |
| 11 | 1~5 month | 6~11 month |  |
| 23 | 1~10 month | 11~23 month |  |
| BC | 6 | 1~3 month | 4~6 month |
| 10 | 1~4 month | 5~10 month |  |
| 12 | 1~5 month | 6~12 month |  |
| Woori | 10 | 1~4 month | 5~10 month |
| 12 | 1~5 month | 6~12 month |  |
| Hana | 6 | 1~3 month | 4~6 month |
| 10 | 1~4 month | 5~10 month |  |
| 12 | 1~5 month | 6~12 month |  |
| 18 | 1~8 month | 9~18 month |  |
| NongHyup | 7~10 | 1~3 month | 4~10 month |
| 12 | 1~4 month | 5~12 month |  |
| 18 | 1~5 month | 6~18 month |  |
| 24 | 1~6 month | 7~24 month |  |
| Jeonbuk | 4~9 | 1 time | 2~9 month |
| 12 | 1~2 month | 3~12 month |  |
| Hyundai | 8 | 1~4 month | 5~8 month |
| 10 | 1~5 month | 6~10 month |  |
| 12 | 1~6 month | 7~12 month |  |
| - Period: 05/01/2026 ~ 05/31/2026 - Even if “FREE Installment” is displayed on the payment window, excluded cards and industries are not eligible.     Depending on the card issuer's policy, debit, prepaid, and gift cards may be excluded from interest-free installments. - In cases of NH Nonghyup Card's if the benefits from "Interest-Free Installment" and "Partial Interest-Free Installment" can be both applied, more beneficial one would be applied. - Corporate/business/check/prepaid/gift/hybrid cards, and some bank-affiliated BC cards may be excluded. - BC card covers personal credit payments for Woori, IBK, NH, SC, Daegu, Busan, Gyeongnam, Shinhan, Hana, KB, Citi BC(excluding Citi Visa), and Suhyup. For interest-free payments from other issuers, inquiries should be made to the individual issuer. - Suhyup BC has been eligible for BC Card's "Interest-Free Installment" since 03/01/2024. However, Suhyup BC is excluded from BC Card's "Partial Interest-Free Installment." - For cards issued by Citi card, "Interest-Free Installment" will not be provided in 2024. For Citibank BC cards, "Interest-Free Installment" will be provided according to the policies of BC cards. - Interest-free benefits are provided for e-commerce PG industries. However, benefits may be restricted for other industries (such as vouchers, refunds, medicine, pharmaceuticals, academies, duty-free shops, insurance, car rentals, airlines, local tax payments, etc.). - Some merchants directly contracted with card issuer, new merchants, public institutions, and certain offline payments are excluded from eligibility. However, Paynow Biz are eligible for interest-free installment. - This event may change or discontinue depending on the card issuer’s decision. |  |  |  |

 > **[INFO]** **Note**    : These information will be updated monthly and might change according to each card issuer's own policy.

# Supported online payment integrations {#rRkYR}

 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 | ✔️      [Hosted API-only](https://docs.antom.com/ac/cashierpay/cardcollant.md) ✔️      [Server-to-server API-only](https://docs.antom.com/ac/cashierpay/cardinfocallmerchant.md) ✔️      [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 | ❌ |
| Subscription Payment | ❌ |
| EasySafePay | ❌ |
| Scan to Link | ❌ |