GCash

Accept online payments from GCash users through your website using the GCash payment method.

Enable your customers to make purchases through GCash. This guide walks you through the payment flow and details on how to implement.

How to enable

• Supported Countries: Singapore
• Minimum API version: 2017-11-02

To enable GCash, send an email requesting this feature to support@opn.ooo.

Payment flow

GCash supports payment on mobile application and website. Customers paying via GCash go through an app_redirect payment flow. This means they are redirected from your website or mobile application to GCash’s secure checkout page where they authorize and confirm the payment. For mobile a customer can use GCash’s app to complete the payment. For website payment a customer can either scan the QR code using the GCash’s app on their phone, or login into their GCash account to complete the payment. The following screenshots demonstrate two flows: one by desktop QR code and another one on mobile.

Using a mobile

The customer chooses the wallet they want to pay with ❶ they are redirected to their wallet app to confirm the payment ❷. The payment details are shown ❸. The customer can choose to be redirected to the merchant's confirmation details page by pressing on Back to merchant ❹.

Using a desktop browser

The customer chooses the wallet they want to pay with ❶ ,after that a QR code will be shown ❷. The customer opens corresponding wallet app then uses the qr scanner ❸. The customer scans the QR code ❹. The customer is shown the summary page before confirming their payment ❺. The payment confirmation slip is shown. The customer can choose to be redirected to the merchant's payment confirmation page ❻. Once you receive a webhook completion event, confirm the payment with the customer ❺.

Implementation

To create a charge using GCash, make the following API requests.

1. Create a new payment source (type: gcash) using Omise.js or one of the mobile SDKs (iOS and Android)
2. Create a new charge using the identifier of the source created in Step 1.
3. After receiving the charge completion webhook event, retrieve the charge to verify its status (optional, but recommended).

Use your public key to create the GCash source on the client (a customer's browser or mobile phone). Use your secret key to create the GCash charge on the server.

If both the creation and charge of a source must happen server-side, you can create and charge the source in a single API request using your secret key.

Creating a source

When the customer confirms that they wish to pay with this payment method, create a new source specifying the amount, currency, platform_type, and type.

The following examples demonstrate the creation of a new GCash source for S$1500. Replace the omise_public_key and $OMISE_PUBLIC_KEY variables with the test public key found on your dashboard.

Using Omise.js, the type parameter is supplied as the first argument to the createSource method.

Omise.setPublicKey(omise_public_key);

Omise.createSource('gcash', {
  "amount": 150000,
  "currency": "SGD",
  "platform_type": "WEB"
}, function(statusCode, response) {
  console.log(response)
});

For testing, you can create the same request using curl.

curl https://api.omise.co/sources \
  -u $OMISE_PUBLIC_KEY: \
  -d "amount=150000" \
  -d "currency=SGD" \
  -d "type=gcash" \
  -d "platform_type=WEB"

{
  "object": "source",
  "id": "src_5p35heijys83ldke7yz",
  "livemode": true,
  "location": "/sources/src_5p35heijys83ldke7yz",
  "amount": 150000,
  "barcode": null,
  "bank": null,
  "created_at": "2021-09-06T08:43:43Z",
  "currency": "SGD",
  "email": null,
  "flow": "app_redirect",
  "installment_term": null,
  "absorption_type": null,
  "name": null,
  "mobile_number": null,
  "phone_number": null,
  "platform_type": "WEB",
  "scannable_code": null,
  "references": null,
  "store_id": null,
  "store_name": null,
  "terminal_id": null,
  "type": "gcash",
  "zero_interest_installments": null,
  "charge_status": "unknown",
  "receipt_amount": null,
  "discounts": []
}

The id attribute is the source identifier (begins with src).

Creating a charge

Create a charge specifying the parameters return_uri, source, amount, and currency.

• return_uri specifies the location on your website to which the customer should be redirected after completing the payment authorization step.

  URL must be in HTTPS format.

• source specifies the source identifier.

• amount and currency must match amount and currency of the source.

The following example demonstrates how to create a new charge using curl. Replace $OMISE_SECRET_KEY with your test secret key found on your dashboard. Replace $SOURCE_ID with the id of the source.

curl https://api.omise.co/charges \
  -u $OMISE_SECRET_KEY: \
  -d "amount=150000" \
  -d "currency=SGD" \
  -d "return_uri=https://example.com/orders/345678/complete" \
  -d "source=$SOURCE_ID"

{
  "object": "charge",
  "id": "chrg_5p35henhc87zmqelaug",
  "location": "/charges/chrg_5p35henhc87zmqelaug",
  "amount": 150000,
  "net": 144525,
  "fee": 5475,
  "fee_vat": 0,
  "interest": 0,
  "interest_vat": 0,
  "funding_amount": 150000,
  "refunded_amount": 0,
  "authorized": false,
  "capturable": false,
  "capture": true,
  "disputable": false,
  "livemode": true,
  "refundable": false,
  "reversed": false,
  "reversible": false,
  "voided": false,
  "paid": false,
  "expired": false,
  "transaction_fees": {
    "fee_flat": "0.0",
    "fee_rate": "3.65",
    "vat_rate": "0.0"
  },
  "platform_fee": {
    "fixed": null,
    "amount": null,
    "percentage": null
  },
  "currency": "SGD",
  "funding_currency": "SGD",
  "ip": null,
  "refunds": {
    "object": "list",
    "data": [],
    "limit": 20,
    "offset": 0,
    "total": 0,
    "location": "/charges/chrg_5p35henhc87zmqelaug/refunds",
    "order": "chronological",
    "from": "1970-01-01T00:00:00Z",
    "to": "2021-09-06T08:43:47Z"
  },
  "link": null,
  "description": null,
  "metadata": {},
  "card": null,
  "source": {
    "object": "source",
    "id": "src_5p35hd8myifrotg86vl",
    "livemode": true,
    "location": "/sources/src_5p35hd8myifrotg86vl",
    "amount": 150000,
    "barcode": null,
    "bank": null,
    "created_at": "2021-09-06T08:43:37Z",
    "currency": "SGD",
    "email": null,
    "flow": "app_redirect",
    "installment_term": null,
    "absorption_type": null,
    "name": null,
    "mobile_number": null,
    "phone_number": null,
    "platform_type": "WEB",
    "scannable_code": null,
    "references": null,
    "store_id": null,
    "store_name": null,
    "terminal_id": null,
    "type": "gcash",
    "zero_interest_installments": null,
    "charge_status": "pending",
    "receipt_amount": null,
    "discounts": []
  },
  "schedule": null,
  "customer": null,
  "dispute": null,
  "transaction": null,
  "failure_code": null,
  "failure_message": null,
  "status": "pending",
  "authorize_uri": "https://render.alipay.com/p/c/jzmcoal2/gcash-cashier?paymentId=084346163091782613434823904196485201yCAyxkuBPd202109060005306311&callback=http%3A%2F%2Fexample.com%2Forders%2F345678%2Fcomplete&amountValue=1500&amountCurrency=SGD&county=US&merchantId=21881101887257C2&merchantName=&code=golcashier1630917826393sandbox&referenceOrderId=pay2_5p35henk35z7ys72q71&paymentMethodType=GCASH",
  "return_uri": "https://example.com/orders/345678/complete",
  "created_at": "2021-09-06T08:43:44Z",
  "paid_at": null,
  "expires_at": "2021-09-13T08:43:44Z",
  "expired_at": null,
  "reversed_at": null,
  "zero_interest_installments": false,
  "branch": null,
  "terminal": null,
  "device": null
}

Creating a source and charge

Alternatively, you can create and charge a source in a single API request.

curl https://api.omise.co/charges \
  -u $OMISE_SECRET_KEY: \
  -d "amount=150000" \
  -d "currency=SGD" \
  -d "return_uri=https://example.com/orders/345678/complete" \
  -d "source[type]=gcash" \
  -d "source[platform_type]=WEB"

Completing the charge

At this point, you have created a new charge with its status set to pending. Other possible values for charge status are successful, failed, and expired.

The following sections detail how to authorize a charge, receive its completion webhook event, and update its status.

This sequence diagram shows the entire flow.

Authorizing the charge

Redirect the customer to location specified in authorize_uri so that they can authorize the charge.

You can simulate this authorization phase in test mode by visiting the authorize_uri to manually mark the charge as Successful or Failed. After the customer has completed the authorization phase, they will be redirected to the location you specified in return_uri.

Receiving the charge completion event

The best way for you to be notified of the completion of a charge is using webhook events. Set up a location on your server to receive webhook events, and add this location as a webhook endpoint on the dashboard.

Once a charge is completed, a POST request will be sent to this endpoint with the charge response embedded.

The key attribute for the event object contains charge.complete and the data attribute contains the charge object. See Events API for event object structure.

Checking the charge status

After receiving this event, retrieve the charge using its id and confirm that its status matches the status of the charge contained in the event.

If the value of status is successful, you got paid. If the value of status is failed, check the failure_code and failure_message in the charge object for an explanation.

Possible failure codes are listed below.

See the Refunds API documentation for information on how to refund a payment charge.

GCash payment charges can be voided within the next 00:15(GMT+8) after the charge was created.

Limits

• Minimum: 100 (SGD1.00)
• Maximum: 2000000 (SGD20,000.00)

Next steps

• Charge API
• Source API
• Webhooks API