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Korean PG • Global Gateways • Crypto • PCI-DSS

Global Payment Integration

SOPHIA integrates Korean PG (KG Inicis · NicePay · KCP · Toss), Japan PG (GMO-PG · SB Payment · Komoju · PAY.JP · Epsilon · Univapay — 9 providers), China payments (WeChat Pay 5 modes · Alipay 4 modes · UnionPay · cross-border), global gateways (Stripe · PayPal), and crypto — a single partner for every payment market across Asia.

30+
Payment Providers
KR·JP·CN
+ US + EU
9
Japan PG Integrated
PCI
DSS Architecture
Payment Providers

Every Payment Method Covered

SOPHIA integrates domestic Korean PGs, global gateways, and regional Asian payment methods — from a single, unified payment abstraction layer that handles reconciliation, webhooks, and refunds consistently across all providers.

Korean Domestic PG
  • KG Inicis
    Major PG
  • NicePay
    Major PG
  • KCP (Korea Cyber Payment)
    Major PG
  • Toss Payments
    Fintech PG
  • KakaoPay
    Simple Pay
  • NaverPay
    Simple Pay
  • Samsung Pay
    Mobile Pay
  • Apple Pay (Korea)
    Mobile Pay
  • Virtual Account (Bank Transfer)
    Bank Transfer
  • Manual Bank Transfer + Auto Confirm
    Manual Transfer
Global Gateways
  • Stripe
    US / EU / Global
  • PayPal
    Global
  • WeChat Pay
    China
  • Alipay / Alipay+
    China / Asia
  • Paidy
    Japan BNPL
  • Klarna
    EU BNPL
  • Afterpay / Clearpay
    US / AU / UK
  • Braintree (PayPal)
    Global Cards
  • Adyen
    Enterprise Global
  • Razorpay
    India
Cryptocurrency
  • Bitcoin (BTC)
    On-chain
  • Ethereum (ETH)
    On-chain
  • USDT / USDC
    Stablecoin
  • BNB / BEP-20 tokens
    BNB Chain
  • Solana (SOL)
    On-chain
  • Custom ERC-20 token
    Proprietary
  • CoinPayments gateway
    Multi-chain
  • NOWPayments
    Multi-chain
  • Custom wallet integration
    SOPHIA-built
  • Auto KRW/USD settlement
    Fiat conversion
Deep Dive — Korean Market

Korean Payment Integration Architecture


Korean Domestic
Full Korean PG Integration
Korean payment integration is more complex than global gateways — Legacy accredited certificate flows, virtual account reconciliation, and KakaoTalk/SMS payment confirmation all require specific implementation patterns that SOPHIA has mastered across 9,200+ Korean commerce projects.
Korean PG Features
  • All major PG providers: KG Inicis, NicePay, KCP, Toss
  • Credit card / debit card with installment plan selection
  • Virtual account generation with real-time bank webhook confirmation
  • KakaoPay / NaverPay express checkout (simple pay)
  • Mobile carrier micro-billing
  • Tax invoice & cash receipt issuance integration
  • PG reconciliation against sales slips for accounting
  • Auto-refund flow with PG cancellation API
Subscription & Auto-Pay
Recurring Billing & Card Registration
Subscription billing in Korea requires recurring payment registration with the PG — a flow distinct from standard checkout. SOPHIA implements the full card-registration, re-billing, and failure-recovery cycle for subscription products.
Subscription Billing
  • Recurring billing card registration flow (Toss / KCP / NicePay)
  • Billing key storage & secure tokenisation
  • Scheduled auto-charge with retry on failure (3-attempt)
  • Failed payment recovery: KakaoTalk + SMS notification
  • Card update URL flow for expired card self-service
  • Proration calculation for plan upgrades mid-cycle
  • MRR / ARR dashboard with churn tracking
  • Tax invoice auto-issue on each subscription charge
Japan Payment Market

Japan Payment Integration — 9 PG Providers & All Major Methods

9+
Japan PG
Providers Integrated
15+
Payment Methods
¥ JPY
Native Settlement
Every Major Japan PG Provider — All Built & Delivered
Japan's payment market is rapidly shifting from credit-card dominance to QR smartphone payments (PayPay, LINE Pay, d-payment), while convenience store payment (Konbini) and bank direct debit remain high-share methods. SOPHIA holds live delivery experience across all major Japan PGs — GMO-PG, SB Payment, Komoju, PAY.JP, Epsilon, and Univapay — covering everything from Korean brands entering Japan to fully domestic Japan-based services.
¥126T
Japan e-commerce market
67%
PayPay market share QR
94%
Konbini store coverage
JCB
Japan-native card brand
Japan PG Provider Directory — Full List of SOPHIA-Integrated Providers
★ No.1 Market Share
GMO Payment Gateway
GMO Payment Gateway (GMO-PG)
Top PGCredit CardKonbiniBank TransferRecurring

Japan's largest PG by transaction volume. Full coverage: credit cards, convenience store, bank transfer, and recurring billing (Keizoku Kakin). Standard choice for enterprise and mid-market.

SoftBank Group
SB Payment Service
SoftBank Payment Service
Top PGCredit CardPayPay DirectCarrier Billing

SoftBank Group subsidiary. Specialises in carrier micro-billing (キャリア決済) and direct PayPay integration. Supports consolidated billing on SoftBank / Y!mobile monthly statements.

Overseas Business Specialist
Komoju (コモジュ)
Degica / Komoju — For Foreign Companies
Cross-borderMultilingual APIKonbiniPaidy

The easiest PG for overseas companies entering Japan. API documentation in English and Korean. Single integration covers Konbini, Paidy, PayPay, and bank transfer.

Subscription Billing Specialist
Epsilon (エプシロン)
GMO Epsilon Co., Ltd.
SubscriptionRecurring BillingKonbini

No.1 for subscription and recurring billing (Keizoku Kakin). Optimised for SaaS, D2C, and membership services. GMO Group subsidiary.

Developer-Friendly / Startup
PAY.JP
PAY Co., Ltd. — Japan's Stripe Alternative
Dev-friendlyREST APIRecurring

Japan's equivalent of Stripe. Developer-friendly REST API. Fast integration for card payments and subscriptions. Standard choice for Japan startups to mid-size services.

Multi-Currency / Foreign Payments
Univapay
Univapay (Univa Paycast)
Multi-currencyQR PaymentInbound Tourism

Specialises in multi-currency and inbound tourist payments. Aggregates AlipayHK, WeChat Pay, and UnionPay. Ideal for tourism-facing services and duty-free retail.

Former Veritrans / Enterprise Standard
DGFT (DGフィナンシャルテクノロジー)
fmr. VeriTrans4G — Digital Garage
EnterpriseCredit CardRecurring Billing

Formerly VeriTrans4G. Extensive enterprise EC and media service deployments. Strong in recurring billing and installment payments.

Buy Now Pay Later
Paidy
Paidy Inc. — Next-month BNPL
BNPLNext-month PayNo Card Needed

Buy without a credit card, pay next month at a convenience store or bank. The standard payment method for Japanese consumers aged 20–35. Acquired by PayPal.

Stripe Japan Official
Stripe Japan
Stripe Payments Japan GK
Global + JPJCB SupportKonbiniPay-easy

Global Stripe localised for Japan. Supports JCB, Konbini, Pay-easy, and bank transfer. Best choice when consolidating global and Japan payments into a single integration.

Full Coverage — All Major Japan Payment Methods
PayPay
Japan QR payment market leader at 67% share. 62 million users. JSAPI / App / Web — all three modes integrated.
LINE Pay
Payment integrated inside LINE messenger. Billing channel targeting 97 million LINE Japan users.
d-payment (d払い)
NTT Docomo consolidated carrier billing. Targets 72 million Docomo subscribers.
Convenience Store Payment (コンビニ払い)
Pay at 5 convenience store chains: 7-Eleven, Lawson, FamilyMart, Ministop, Seicomart. Standard for users without credit cards.
Bank Transfer / Pay-easy
Bank wire transfer and ATM Pay-easy payment. Essential for B2B transactions and high-value orders.
au PAY / Rakuten Pay
KDDI au PAY (31 million users) and Rakuten Pay. Integrated into Japan's major loyalty point ecosystems.
JCB Card
Japan's only international card brand. ~30% of cards issued in Japan. Requires a separate merchant agreement from Visa/Mastercard.
Merpay
Payment arm of Mercari (Japan's largest C2C marketplace). Deferred payment (next-month pay) targets the emerging Japan BNPL market.
SOPHIA has live delivery experience integrating all 9 Japan PG providers — GMO-PG, SB Payment, Komoju, PAY.JP, Epsilon, DGFT, Paidy, Stripe Japan, and Univapay — alongside 15+ Japan payment methods including PayPay, LINE Pay, d-payment, Konbini, bank transfer, and JCB, all in a single codebase. Deliverables include Japan-separated server hosting, Japanese-language receipt generation, and automatic JCT (10%) consumption tax calculation.
China Payment Market

China Payment Integration — WeChat Pay · Alipay · UnionPay & Beyond

8+
China Payment
Systems Integrated
1.4B
Potential users (WeChat+Alipay)
Cross-border
Cross-border Payment
The Full China Payment Ecosystem — Domestic Services to Cross-border (跨境)
China's payment market is dominated by WeChat Pay (微信支付) and Alipay (支付宝), which together hold 94% of mobile payments. UnionPay (银联) remains dominant for B2B and large offline transactions. SOPHIA covers not only services within China (ICP-licensed environments) but also cross-border payment (跨境支付) — enabling overseas businesses to accept payments from Chinese consumers without a China entity. All five WeChat Pay modes, four Alipay modes, and the full UnionPay Online (银联网络) suite are delivered as a single integration.
¥349T
China mobile payments annual
94%
WeChat+Alipay mobile share
900M
WeChat Pay MAU
1B
Alipay Global Users
WeChat Pay (微信支付) — All 5 Payment Modes Implemented
Native Pay / 扫码支付
WeChat Pay Native
PC Web QR Code Payment
PC WebQR Generation

Displays a QR code on the PC webpage; the user scans with the WeChat app to pay. Payment completion is detected in real time via WebSocket.

JSAPI / 公众号支付
WeChat Pay JSAPI
Payment inside Official Account (公众号)
WeChat Browser公众号

Payment inside the WeChat built-in browser via an Official Account (公众号) shop. The checkout UX is as smooth as a native app.

App Pay / APP支付
WeChat Pay App SDK
In-app payment for iOS / Android
iOSAndroidSDK

Native app calls the WeChat SDK → switches to the WeChat app for payment → returns to the original app on completion.

H5 Pay / H5支付
WeChat Pay H5
External browser mobile web
Mobile WebExternal Browser

Calls the WeChat app via deep link from an external browser (Safari, Chrome). Domain whitelist registration required with WeChat.

Mini Program / 小程序支付
WeChat Mini Program Pay
WeChat Mini Program payment
小程序wx.requestPayment

Calls wx.requestPayment API inside a WeChat Mini Program (小程序). The core payment method for Mini Program e-commerce builds.

Cross-border / 境外商户
WeChat Pay Cross-border
Overseas entity → Chinese consumer
跨境支付Overseas EntityFX Conversion

Enables overseas businesses without a China entity to accept WeChat Pay as a cross-border merchant (境外商户). Includes automatic FX conversion (CNY → USD/KRW).

Alipay (支付宝) · UnionPay (银联) · China PG Aggregators
China's No.1 Payment App
Alipay Web / App Pay
Alipay PC & App Payment
PC WebApp SDK1B Users

Classic Alipay PC web redirect (页面跳转) and App SDK payment. Supports both domestic China and overseas merchants. Direct Ant Group integration.

Mobile QR Payment
Alipay Scan / H5
Alipay Scan-to-Pay · H5 Payment
QR ScanMobile Web

Displays QR on PC; user scans with the Alipay app. On H5 mobile web, deep-links into the Alipay app for payment.

For Overseas Merchants
Alipay+ (Cross-border)
Alipay International / 国际商户
Cross-borderMulti-currencyAlipay+ App

Cross-border solution for accepting Alipay without a China entity. Alipay+ also aggregates overseas e-wallets including GCash, TrueMoney, and Touch 'n Go.

China National Card Brand
UnionPay Online (银联网络)
UnionPay QuickPass / Online Payment
UnionPay CardQuickPass NFCB2B

China's national card brand. Covers online UnionPay payments, QuickPass (云闪付) NFC, and large B2B transactions. 93% share of card issuance in China.

Cross-border PG Aggregator
Lianlian Pay (连连支付)
Amazon Official Partner / Cross-border
Amazon JP/USFX ConversionCross-border

Specialises in collecting Amazon, eBay, and Shopify sales proceeds and remitting to mainland China. The standard PG for cross-border sellers.

Domestic PG Aggregator
Ping++ / Yeepay Aggregator
Aggregated Payment (聚合支付) — Multi-PG
Aggregated PaySingle APIMulti-PG

Ping++ (PPDai Group) and Yeepay (易宝支付) aggregate multiple China PGs behind a single API. WeChat Pay + Alipay + UnionPay processed in one integration.

ICP License Support
Configuration support for ICP 备案 (filing) required for China-hosted servers and domains. Includes payment domain whitelist registration.
Auto FX Conversion (CNY→KRW)
Automatically converts CNY payment proceeds to KRW or USD. Includes exchange rate lock option and real-time FX rate display.
Real-name Verification (实名认证)
For China-domestic services: real-name verification payment flow linked to national ID (居民身份证) can be implemented.
WeChat Mini Program EC Full Build
Full-stack WeChat Mini Program (小程序) e-commerce build: storefront + payment + CRM. No separate app download required.
SOPHIA covers the full China payment ecosystem: WeChat Pay (5 modes), Alipay (4 modes), UnionPay Online, Lianlian Pay, Ping++ aggregator, and Alipay+ cross-border. We deliver optimised solutions for both merchants with a China entity (国内商户) and overseas businesses that need to accept payments from Chinese consumers without a China entity (境外商户). Full WeChat Mini Program e-commerce builds are also within scope.
Global & Crypto

International & Crypto Payment Systems

SOPHIA builds the payment infrastructure that Korean brands need to sell globally — and the crypto payment systems that Web3 projects require for on-chain commerce.

Stripe & Global Gateway Integration
  • Stripe Checkout, Payment Intents, and Elements integration
  • Stripe Billing for subscription products (SaaS / D2C)
  • Stripe Connect for marketplace multi-seller payouts
  • PayPal Standard, Express Checkout, and Venmo
  • Klarna BNPL and Afterpay for EU / US / AU markets
  • WeChat Pay H5 / App / JSAPI and Alipay+ aggregator
  • Paidy BNPL for Japan market (Konbini / Bank debit)
  • Multi-currency settlement and FX rate display
  • 3D Secure 2.0 (SCA) compliance for EU payments
  • Webhook event handling & idempotency key management
Cryptocurrency Payment Integration
  • HD wallet address generation per order (no address reuse)
  • On-chain payment confirmation with block confirmation threshold
  • Stablecoin payment (USDT / USDC on ETH, BNB, Polygon)
  • Custom ERC-20 token acceptance (project-specific currency)
  • Auto-conversion to KRW/USD via CEX API at payment time
  • CoinPayments / NOWPayments gateway integration
  • QR code payment flow (WalletConnect-compatible)
  • Underpayment / overpayment handling with tolerance logic
  • Refund flow via on-chain transaction with audit trail
  • AML screening on crypto payments (Chainalysis / Elliptic)
Bitcoin
BTC / on-chain
Native BTC payment with UTXO tracking and configurable confirmation depth (1–6 blocks).
Ethereum
ETH / ERC-20
ETH + all ERC-20 tokens including USDT, USDC, DAI, and project-specific tokens.
BNB Chain
BNB / BEP-20
Low-fee BNB Chain payments. Ideal for high-volume micro-transactions in gaming and DeFi.
Solana
SOL / SPL tokens
Sub-second settlement with near-zero fees. Solana Pay protocol integration available.
Security

PCI-DSS Compliant Payment Architecture

PCI DSS
Payment Card Industry
Data Security Standard
Security Architecture
  • Card data never touches SOPHIA servers (tokenisation at PG)
  • PCI-DSS SAQ-A scope minimisation via hosted payment pages
  • TLS 1.3 for all payment data in transit
  • Payment webhook signature verification (HMAC-SHA256)
  • Idempotency keys to prevent double-charge on network retry
  • Database-level encryption for masked card data (last 4 digits only)
  • IP allowlisting for PG callback endpoints
  • Fraud detection: velocity checks, BIN analysis, IP reputation
  • Payment anomaly alerting (unusual amount, unusual time, new country)
  • Full audit log: every payment event timestamped and immutable
TLS 1.3TokenisationHMAC-SHA256AES-2563DS2WAF
Financial Operations

Payment Reconciliation & Reporting

Automated Reconciliation
  • Daily PG settlement file import & matching
  • Order ↔ PG transaction auto-reconciliation
  • Exception flagging for unmatched transactions
  • PG fee deduction calculation & net revenue
  • Multi-PG consolidated settlement dashboard
  • Monthly reconciliation Excel export for accounting
Analytics & Reporting
  • Payment method conversion rate breakdown
  • Failed payment analysis by method & error code
  • Chargeback rate monitoring & dispute workflow
  • Revenue by country / currency / payment method
  • GMV, net revenue, and refund rate dashboard
  • Real-time payment success rate monitoring
Tax & Legal Compliance
  • Korean tax invoice auto-issuance via Hometax API
  • Cash receipt issuance for cash / bank transfer
  • VAT calculation engine (Korea 10%, EU OSS, Japan JCT)
  • B2B tax invoice workflow with buyer verification
  • VAT return data export in NTS (National Tax Service) format
  • Cross-border withholding tax calculation

Integrate Any Payment Method

Korean PG, global gateway, Asian wallet, or crypto — SOPHIA builds the payment infrastructure that converts customers and reconciles cleanly with your accounting system.