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Vietnamese online banking Drop-in integration

Add Vietnamese online banking through MoMo ATM to an existing Drop-in integration.

Our Android Drop-in renders MoMo ATM in your payment form, and redirects the shopper to the MoMo ATM app or website where they can complete the payment.

Before you begin

This page explains how to add MoMo ATM to your existing Android Drop-in integration. The Android Drop-in integration works the same way for all payment methods. If you haven't done this integration yet, refer to our Drop-in integration guide.

Before starting your MoMo ATM integration:

  1. Make sure you have set up your back end implementation.
  2. Add MoMo ATM in your test Customer Area.

Show MoMo ATM in your payment form

Drop-in uses the countryCode and the amount.currency from your /paymentMethods request to show the available payment methods to your shopper.

To show MoMo ATM in your payment form, specify in your /paymentMethods request:

Make a payment

When the shopper proceeds to pay, Drop-in returns the paymentComponentData.paymentMethod.

  1. Pass the paymentComponentData.paymentMethod to your server.

  2. From your server, make a /payments request, specifying:

    • paymentMethod: The paymentComponentData.paymentMethod from your client app.
    • returnUrl: URL to where the shopper should be redirected back to after they complete the payment. Get this URL from the Component in the RedirectComponent.getReturnUrl(context).
    curl https://checkout-test.adyen.com/v64/payments \
    -H "x-API-key: YOUR_X-API-KEY" \
    -H "content-type: application/json" \
    -d '{
      "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
      "reference":"YOUR_ORDER_NUMBER",
      "amount":{
        "currency":"VND",
        "value":1000
      },
      "{hint:paymentComponentData.paymentMethod from app}paymentMethod{/hint}":{
        "type":"momo_atm""
      },
      "returnUrl":"adyencheckout://your.package.name"
    }'
    # Set your X-API-KEY with the API key from the Customer Area.
    adyen = Adyen::Client.new
    adyen.api_key = "YOUR_X-API-KEY"
     
    response = adyen.checkout.payments({
      :amount => {
        :currency => "VND",
        :value => 1000
      },
      :reference => "YOUR_ORDER_NUMBER",
      :paymentMethod => {
        :type => "momo_atm"
      },
      :returnUrl => "adyencheckout://your.package.name",
      :merchantAccount => "YOUR_MERCHANT_ACCOUNT"
    })
    // Set YOUR_X-API-KEY with the API key from the Customer Area.
    // Change to Environment.LIVE and add the Live URL prefix when you're ready to accept live payments.
        Client client = new Client("YOUR_X-API-KEY", Environment.TEST);
        Checkout checkout = new Checkout(client);
    
        PaymentsRequest paymentsRequest = new PaymentsRequest();
    
        String merchantAccount = "YOUR_MERCHANT_ACCOUNT";
        paymentsRequest.setMerchantAccount(merchantAccount);
    
        Amount amount = new Amount();
        amount.setCurrency("VND");
        amount.setValue(15000L);
        paymentsRequest.setAmount(amount);
    
        DefaultPaymentMethodDetails paymentMethodDetails = new DefaultPaymentMethodDetails();
        paymentMethodDetails.setType("momo_atm");
        paymentsRequest.setPaymentMethod(paymentMethodDetails);
    
        paymentsRequest.setReference("YOUR_ORDER_NUMBER");
        paymentsRequest.setReturnUrl("adyencheckout://your.package.name");
    
        PaymentsResponse paymentsResponse = checkout.payments(paymentsRequest);
    // Set your X-API-KEY with the API key from the Customer Area.
    $client = new \Adyen\Client();
    $client->setXApiKey("YOUR_X-API-KEY");
    $service = new \Adyen\Service\Checkout($client);
    
    $params = array(
      "amount" => array(
        "currency" => "VND",
        "value" => 1000
      ),
      "reference" => "YOUR_ORDER_NUMBER",
      "paymentMethod" => array(
        "type" => "momo_atm"
      ),
      "returnUrl" => "adyencheckout://your.package.name",
      "merchantAccount" => "YOUR_MERCHANT_ACCOUNT"
    );
    $result = $service->payments($params);
    #Set your X-API-KEY with the API key from the Customer Area.
    adyen = Adyen.Adyen()
    adyen.client.xapikey = 'YOUR_X-API-KEY'
    
    result = adyen.checkout.payments({
       'amount': {
          'value': 1000,
          'currency': 'VND'
       },
       'reference': 'YOUR_ORDER_NUMBER',
       'paymentMethod': {
          'type': 'momo_atm'
       },
       'returnUrl': 'adyencheckout://your.package.name',
       'merchantAccount': 'YOUR_MERCHANT_ACCOUNT'
    })
    // Set your X-API-KEY with the API key from the Customer Area.
    var client = new Client ("YOUR_X-API-KEY", Environment.Test);
    var checkout = new Checkout(client);
    
    var amount = new Model.Checkout.Amount("VND", 1000);
    var details = new Model.Checkout.DefaultPaymentMethodDetails{
      Type = "momo_atm""
    };
    var paymentsRequest = new Model.Checkout.PaymentRequest
    {
      Reference = "YOUR_ORDER_NUMBER",
      Amount = amount,
      ReturnUrl = @"adyencheckout://your.package.name",
      MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
      PaymentMethod = details
    };
    
    var paymentResponse = checkout.Payments(paymentsRequest);
    // Set your X-API-KEY with the API key from the Customer Area.
    const {Client, Config, CheckoutAPI} = require('@adyen/api-library');
    const config = new Config();
    // Set your X-API-KEY with the API key from the Customer Area.
    config.apiKey = '[API_KEY]';
    config.merchantAccount = '[YOUR_MERCHANT_ACCOUNT]';
    const client = new Client({ config });
    client.setEnvironment("TEST");
    const checkout = new CheckoutAPI(client);
    checkout.payments({
        amount: { currency: "VND", value: 1000 },
        paymentMethod: {
            type: 'momo_atm'
        },
        reference: "YOUR_ORDER_NUMBER",
        merchantAccount: config.merchantAccount,
        returnUrl: "adyencheckout://your.package.name"
    }).then(res => res);

    The /payments response contains:

    • action: Object containing information about the redirect.
    /payments response
    {
      "resultCode":"RedirectShopper",
      "action":{
         "method":"GET",
         "paymentData":"Ab02b4c0!BQABAgCSZT7t...",
         "paymentMethodType":"momo_atm",
         "type":"redirect",
         "url":"https://test.adyen.com/hpp/redirect.shtml?brandCode=.."
      },
      "details":[
         {
            "key":"payload",
            "type":"text"
         }
      ],
      ...
    }
  3. Pass the action object to your client app.

Check the payment result

Drop-in redirects the shopper to MoMo ATM to complete the payment. When the shopper returns back to your app, Drop-in provides the actionComponentData object.

  • From your server, make a POST /payments/details request providing:
    • paymentData: The value from the /payments response.
    • details: The actionComponentData.details object from Drop-in.
    /payments/details request
    {
       "{hint:Value from the /payments response}paymentData{/hint}":"Ab02b4c0!BQABAgCJN1wRZuGJmq8dMncmypvknj9s7l5Tj...",
       "{hint:Value from actionComponentData.details}details{/hint}":{
         "payload":"Ab02b4c0!BQABAgCW5sxB4e/=="
       }
    }
    You receive a response containing:
    /payments/details response
    {
       "resultCode": "Authorised",
       "pspReference": "88154795347618C"
    }

Present the payment result

Use the resultCode that you received in the /payments/details response to present the payment result to your shopper.

The resultCode values you can receive for MoMo ATM are:

resultCode Description Action to take
Authorised The payment was successful. Inform the shopper that the payment has been successful.
Cancelled The shopper cancelled the payment while on MoMo ATM or NAPAS's website. Ask the shopper whether they want to continue with the order, or ask them to select a different payment method.
Pending or
Received
The shopper has completed the payment but the final result is not yet known. Inform the shopper that you've received their order, and are waiting for the payment to be completed.

To know the final result of the payment, wait for the AUTHORISATION notification webhook.
Refused The payment was refused by the shopper's bank. Ask the shopper to try the payment again using a different payment method.

If the shopper closed the browser and failed to return to your website, wait for notification webhooks to know the outcome of the payment. The notification webhooks you can receive for MoMo ATM are:

eventCode success field Description Action to take
AUTHORISATION false The transaction failed. Cancel the order and inform the shopper that the payment failed.
AUTHORISATION true The shopper successfully completed the payment. Inform the shopper that the payment has been successful and proceed with the order.
OFFER_CLOSED true The shopper did not complete the payment. Cancel the order and inform the shopper that the payment timed out.

Test and go live

To test MoMo ATM payments, select any bank from the list and use the following test cards and credentials:

Scenario Card name Card number Expiry One-time password
Successful Nguyen Van A 9704000000000018 03/07 otp
Card blocked Nguyen Van A 9704000000000026 03/07 otp
Insufficient funds Nguyen Van A 9704000000000034 03/07 otp
Amount exceeded limit Nguyen Van A 9704000000000042 03/07 otp

Check the status of MoMo ATM test payments in your Customer Area > Transactions > Payments.

Before you can accept live MoMo ATM payments, you need to submit a request for MoMo ATM in your live Customer Area.

See also