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Vietnamese online banking for API only

Add Vietnamese online banking through MoMo ATM to an existing API-only integration.

Accept MoMo ATM payments using our APIs, and build your own payment form to have full control over the look and feel of your checkout page.

Before you begin

These instructions explain how to add MoMo ATM to your existing API-only integration. The API-only integration works the same way for all payment methods. If you haven't done this integration yet, refer to our API-only integration guide.

Before starting your MoMo ATM integration:

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

Build your payment form for MoMo ATM

Include MoMo ATM in the list of available payment methods. You don't need to collect any information from the shopper in your payment form.

We provide logos for MoMo ATM which you can use on your payment form. For more information, refer to Downloading logos.

If you are using the /paymentMethods to show available payment methods to the shopper, specify the following:

The response contains paymentMethod.type: momo_atm.

Make a payment

In your /payments request, specify:

  • paymentMethod.type: momo_atm
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
  },
  "paymentMethod":{
    "type":"momo_atm"
  },
  "returnUrl":"https://your-company.com/checkout?shopperOrder=12xy.."
}'
# 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 => "https://your-company.com/checkout?shopperOrder=12xy..",
  :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("https://your-company.com/checkout?shopperOrder=12xy..");

    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" => "https://your-company.com/checkout?shopperOrder=12xy..",
  "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': 'https://your-company.com/checkout?shopperOrder=12xy..',
   '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 = @"https://your-company.com/checkout?shopperOrder=12xy..",
  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: "https://your-company.com/checkout?shopperOrder=12xy.."
}).then(res => res);

The /payments response contains:

  • action.url: Link to where you should redirect your shopper.
  • action.method: GET or POST. The HTTP request method that you should use. After the shopper completes the payment, they will be redirected back to your returnURL using the same method.
    The redirect method depends on your payment method configuration and the length of the data included in the request, so make sure that your integration can handle both HTTP GET and HTTP POST methods.

To verify the payment result in the next step, you also need the following from the /payments response:

  • action.paymentData: The paymentData value that you send in your /payments/details request.
  • details: Array of parameters that you need to send in your /payments/details request. For example, payload or redirectResult.
    The parameters can vary based on the payment method configuration. Always check the details array for the parameters that you need to send in your next API request.
/payments response
{
   "resultCode":"RedirectShopper",
   "action":{
      "method":"GET",
      "paymentData":"Ab02b4c0!BQABAgCSZT7t...",
      "paymentMethodType":"momo_atm",
      "type":"redirect",
      "url":"https://test.adyen.com/hpp/skipDetails.shtml?brandCode"
   },
   "details":[
      {
         "key":"payload",
         "type":"text"
      }
   ],
   ...
}

Handle the redirect

To complete a MoMo ATM payment, you need to redirect the shopper to MoMo ATM's website or app.

  1. To complete the payment, redirect the shopper to the action.url returned in the /payments response.
    When using the HTTP GET method:
    For security reasons, when displaying the redirect in the app, we recommend that you use SFSafariViewController for iOS or Chrome Custom Tabs for Android, instead of WebView objects. Also refer to the security best practices for WebView.
  2. After the shopper is redirected back to your website or app, check the payment result by making a /payments/details request, specifying:
    • paymentData: Value you received in the /payments response.
    • details: Object that contains the URL-decoded values of the parameters that were returned when the shopper was redirected back to your website or app. For example, payload or redirectResult.
    The parameters can vary based on the payment method configuration. To check which parameters you should submit, always check the details array from the /payments response.
    /payments/details request
    {
         "paymentData":"Ab02b4c0!BQABAgCJN1wRZuGJmq8dMncmypvknj9s7l5Tj...",
         "details":{
           "{hint:Verify the parameters from /payments response}payload{/hint}":"Ab02b4c0!BQABAgCW5sxB4e/=="
         }
    }
    You receive a response containing:
    • resultCode: Use this to present the result to your shopper.
    • pspReference: Our unique identifier for the transaction.
    /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