Solutions

Build your PG system.
With a team that knows operations.

We build payment, merchant and settlement systems for PG operators and platforms. Our work for Kurly Pay, Ohouse and Smartro informs our registration preparation and post-launch support.

Discuss a PG project Explore capabilities

PG operating system

TransactionsMerchantsSettlement

Payment methodCard, account, prepaid

operating structureCustomize for your business

Payment authorization

Merchant Management

Transaction reconciliation

Settlement Management

Payment authorization
is only the beginning.

A PG business needs more than its first authorization. Recurring billing, purchase confirmation, merchant settlement and failed transaction review all form part of daily operations.

Payment flows define the product scope

Support one-time purchases, recurring billing and invoices sent by SMS or payment link.

Authorizations, cancellations and failures in real time

Connect merchant management and transaction monitoring so your operations team can review transaction status and customer inquiries.

From encryption to transaction scale

Built-in database encryption for personal information reduces the need for a separate solution. Capacity can also scale with transaction volumes.

The payment systems behind our customers

Kurly Enterprise

Dedicated payment systems and
settlement maintenance

We built Kurly Pay’s PG, express checkout and prepaid systems, followed by PG operations, gift certificate enhancements and settlement maintenance for Kurly and Kurly Pay.

Explore the work delivered

Smartro

Upgrading the existing PG system and
Express checkout authorization server development

We developed Smartro’s L.Pay express checkout authorization server and delivered PG modernization and follow-on enhancements.

Explore the work delivered

Ohouse Enterprise

Platform PG/Prepaid
Payment system development

We built Ohouse’s PG and prepaid payment systems to provide both payment and prepaid capabilities within the platform.

Explore the work delivered

One-time purchases and recurring billing

Connect cards, bank and virtual accounts, prepaid balances and express checkout with billing methods matched to your business.

Linking domestic cards/accounts with overseas/affiliate payments
Automatic payment by card and mobile phone
SMS/URL billing payment (EBPP)

payment service

Domestic/international payments

automatic payment

SMS/URL billing

Affiliate and linkage conditions applied for each payment method

Merchant operations and transaction monitoring

Management screens for merchants, distributors and agencies bring post-authorization workflows into the same system.

Management of permissions, fees, and transactions by organization
Real-time monitoring of authorization, cancellation and failure records
Escrow delivery, purchase confirmation, and rejection processing

Merchant and transaction operationsConfiguration items

Organization/Fee/Authority

Real-time transaction monitoring

Escrow processing

Settlement and security built into operations

Deposit and settlement details are compared and key personal information is stored with the built-in DB encryption module.

Transaction reconciliation, merchant settlement and seller payouts
Preferential fee difference settlement for micro and small merchants
DB encryption and transaction forgery prevention

Settlement and SecurityConfiguration items

Transaction reconciliation and payouts

Preferential fee difference settlement

DB encryption

Payment capabilities
for your business.

Start with modules for payments, additional services and operations. Partner payment functions remain subject to card issuer, PG and VAN contracts and integration conditions.

Card/account payment

Domestic card authentication and manual payment
Overseas card/VISA 3D authentication linkage
Interest-free installment arrangements for issuers and merchants
Bank/Securities account transfer/virtual account

Partner payment methods

Culture gift certificates and mobile carrier billing
WeChat payment integration
Prepaid and external express checkout
Offline card terminal payment

Subscriptions and Billing

Automatic payment by card and mobile phone
SMS and payment-link billing (EBPP)
Payment-linked or standalone cash receipt issuance

Purchase confirmation and settlement

Escrow sign-up, delivery, and purchase confirmation
Purchase rejection and settlement processing
Merchant reconciliation and net settlement
Marketplace seller payout services

Administrator and merchant workflows

Permissions for merchants, distributors and agencies
Statistics/risk/customer response management
Transaction/contract information email/text
Customer and merchant apps and APIs

Security and processing infrastructure

Built-in personal information DB encryption
Transaction forgery prevention and encrypted communication
Real-time monitoring of authorizations, cancellations and failures
Server resource expansion and batch processing

Your implementation roadmap

We review your business and existing systems, then agree on the scope and schedule.

1
Decide on your business structure
Review payment methods, merchant and sales network structures, settlement methods and target schedules.
2
Link and verify
Connect payment methods and operational interfaces, then test authorizations, cancellations, settlement and performance under transaction load.
3
Start operation
Prepare merchant migration and operational handover, with agreed maintenance and follow-on development.

Frequently asked questions

Can I build only part of the PG system but not the entire system?

Review which parts of your existing system to retain or replace. Share the payment interfaces, merchant management, settlement and integration areas you need.

Can I connect overseas payments with the currently contracted PG/VAN?

We provide integration capabilities for Korean PG and VAN providers, international cards and partner payment services such as WeChat. We review current interfaces, contracts, authentication requirements and additional development for your providers and intended payment methods.

What determines implementation cost and duration?

It depends on the number of payment methods, merchant/sales organization structure, settlement rules, data transfer, infrastructure configuration and scope of further development. Let us know your planned release date and key features so we can refine the scope.

Can you also support registration preparation and operations?

Alongside implementation, we provide registration templates and checklists, IT and security preparation, submission reviews, and inspection and follow-up support. Post-launch maintenance and infrastructure operations can also be scoped.

Build your next payment business.

Share your payment methods, merchant structure and launch schedule. We will define implementation scope around the core functions.

Discuss a PG project +82-2-851-2331

Build your PG system.
With a team that knows operations.