TrueMoney Wallet

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Enable your customers to make payments using their TrueMoney Wallet. Eliminating the need to enter their card details can help your customers checkout faster.

This guide walks you through the payment flow and details on how to implement.

The customer is required to have a mobile number registered with TrueMoney Wallet.

How to enable

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

To enable TrueMoney Wallet, send an email requesting this feature to You will need to review and accept new terms and conditions.

Payment flow

Customers who choose to pay via TrueMoney Wallet go through a redirect payment flow using a one-time password (OTP). This means that after they input their mobile number ❸, they are prompted to authorize and confirm the payment amount using a one-time password sent to their phone ❹. Upon completion, the customer is redirected back to your website ❺.

Points Select


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

  1. Create a new payment source (type: truemoney) 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 TrueMoney Wallet source on the client (a customer's browser or mobile phone). Use your secret key to create the TrueMoney Wallet 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, phone_number, and type.

Parameter Type Description
amount integer (required) See Limits
currency string (required) THB
phone_number string (required) 10 digit TrueMoney mobile number starting with 0 (example: 0812345678)
type string (required) truemoney

The following examples demonstrate the creation of a new TrueMoney Wallet source for ฿4,000. 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.createSource('truemoney', {
  "amount": 400000,
  "currency": "THB",
  "phone_number": "0812345678"
}, function(statusCode, response) {

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

curl \
  -d "amount=400000" \
  -d "currency=THB" \
  -d "type=truemoney" \
  -d "phone_number=0812345678"
  "object": "source",
  "id": "src_test_5m4rkehomqym3spfq84",
  "livemode": false,
  "location": "/sources/src_test_5m4rkehomqym3spfq84",
  "amount": 400000,
  "barcode": null,
  "created_at": "2020-12-08T08:48:44Z",
  "currency": "THB",
  "email": null,
  "flow": "redirect",
  "installment_term": null,
  "name": null,
  "mobile_number": "0812345678",
  "phone_number": "0812345678",
  "scannable_code": null,
  "references": null,
  "store_id": null,
  "store_name": null,
  "terminal_id": null,
  "type": "truemoney",
  "zero_interest_installments": null,
  "charge_status": "unknown"

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.
  • 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 \
  -d "amount=400000" \
  -d "currency=THB" \
  -d "return_uri=" \
  -d "source=$SOURCE_ID"
  "object": "charge",
  "id": "chrg_test_5m4rkekslbdpdjqbshr",
  "location": "/charges/chrg_test_5m4rkekslbdpdjqbshr",
  "amount": 400000,
  "net": 384378,
  "fee": 14600,
  "fee_vat": 1022,
  "interest": 0,
  "interest_vat": 0,
  "funding_amount": 400000,
  "refunded_amount": 0,
  "authorized": false,
  "capturable": false,
  "capture": true,
  "disputable": false,
  "livemode": false,
  "refundable": false,
  "reversed": false,
  "reversible": false,
  "voided": false,
  "paid": false,
  "expired": false,
  "platform_fee": {
    "fixed": null,
    "amount": null,
    "percentage": null
  "currency": "THB",
  "funding_currency": "THB",
  "ip": null,
  "refunds": {
    "object": "list",
    "data": [],
    "limit": 20,
    "offset": 0,
    "total": 0,
    "location": "/charges/chrg_test_5m4rkekslbdpdjqbshr/refunds",
    "order": "chronological",
    "from": "1970-01-01T00:00:00Z",
    "to": "2020-12-08T08:48:45Z"
  "link": null,
  "description": null,
  "metadata": {},
  "card": null,
  "source": {
    "object": "source",
    "id": "src_test_5m4rke7fvidgpsm93me",
    "livemode": false,
    "location": "/sources/src_test_5m4rke7fvidgpsm93me",
    "amount": 400000,
    "barcode": null,
    "created_at": "2020-12-08T08:48:43Z",
    "currency": "THB",
    "email": null,
    "flow": "redirect",
    "installment_term": null,
    "name": null,
    "mobile_number": "0812345678",
    "phone_number": "0812345678",
    "scannable_code": null,
    "references": null,
    "store_id": null,
    "store_name": null,
    "terminal_id": null,
    "type": "truemoney",
    "zero_interest_installments": null,
    "charge_status": "pending"
  "schedule": null,
  "customer": null,
  "dispute": null,
  "transaction": null,
  "failure_code": null,
  "failure_message": null,
  "status": "pending",
  "authorize_uri": "",
  "return_uri": "",
  "created_at": "2020-12-08T08:48:45Z",
  "paid_at": null,
  "expires_at": "2020-12-15T08:48:45Z",
  "expired_at": null,
  "reversed_at": null,
  "zero_interest_installments": true,
  "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 \
  -d "amount=400000" \
  -d "currency=thb" \
  -d "return_uri=" \
  -d "source[type]=truemoney" \
  -d "source[phone_number]=0812345678"

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.

sequenceDiagram participant customer participant omise.js participant merchant participant customer->>omise.js: Send payment details for purchase omise.js->> Request source using payment details>>omise.js: Return source omise.js->>merchant: Merchant gets returned source merchant->> Request charge using source and purchase details Send "charge.create" webhook>>merchant: Return charge merchant->>customer: Redirect to "authorize_uri" for pending charge customer->> Provide charge authorization details at "authorize_uri">>customer: Redirect to "return_uri" Send "charge.complete" webhook merchant-xcustomer: Send charge result (e.g. via email)

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.

Failure Code Description
payment_rejected Payment rejected by issuer.
failed_processing General payment processing failure.
invalid_account Valid account for payment method not found.
insufficient_fund Insufficient funds in the account or the payment method has reached its limit.

Voids and refunds

TrueMoney Wallet charges cannot be voided, only refunded. Refunds can only be made within 30 days of charge creation.

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


  • Minimum: 2000 (THB20.00)
  • Maximum: 10000000 (THB100,000.00)

In addition to the above per transaction limits, the daily maximum amount that a given customer can charge depends on that customer's TrueMoney Wallet verification status.

Status Daily Maximum Amount
Not yet verified ฿40,000
Verified online using ID card number ฿60,000
Verified at TrueMoney kiosk or supported 7-Eleven using physical ID card ฿200,000

See the TrueMoney FAQ (Thai) for more information.

Next steps

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