# Antom Product and Integration Decision Used for product decisions when users integrate Antom payment products or troubleshoot integration issues. --- ## Product and Integration Decision Tree ``` User consults Antom payment integration | +-- One-time payment scenario? | +-- Quick launch, no UI customization needed --> CKP Hosted (default recommendation) | +-- Embedded payment page, maintain branding --> CKP Embedded | +-- Partial customization, balance development and flexibility --> Element | +-- Full control over payment flow and UI --> API-only | +-- PCI certified, server-side card processing --> Card API (Server Mode) | +-- Remember payment method, one-click payment? | +-- Auto-debit after user authorization, no confirmation needed each time --> Tokenized Payment (API integration only, confirm merchant payment method in advance) | +-- Recurring auto-debit/subscription? +-- Membership subscription, auto-renewal, periodic billing --> Subscription Payment +-- Quick launch --> CKP (default recommendation) +-- Partial customization --> Element (PC/H5 only) +-- Full control --> API-only ``` ### Payment Method Enumeration by Product Category #### One-time Payments Supports all mainstream payment methods, including: **Card** - American Express, Brazilian cards, Cartes Bancaires, Chilean cards, Diners, Discover, Indian cards, JCB, Maestro, Mastercard, Mexican cards, Peruvian cards, South Korean Cards, Turkish cards, UnionPay, Visa **Digital Wallet** - Alipay, AlipayHK, Apple Pay, au PAY, Boost, DANA, dBarai, FamiPay, GCash, Google Pay, GoPay, GrabPay (MY/PH/SG), Hipay, JKOPay, KakaoPay, KPLUS, LINE Pay, LinkAja, Maya, MB WAY, MercadoPago, merpay, MoMo, MPay, NAVER Pay, Octopus, OVO, PayMe, PayPay, PicPay, Rakuten Pay, Satispay, ShopeePay, Tinaba, Toss Pay, Touch 'n Go eWallet, TrueMoney, TWINT, Viettel Money, ZaloPay **Buy Now Pay Later** - BillEase, Kredivo, Pagaleve, Paidy, Tamara **Cash Payment** - Konbini, Konbini (7-Eleven) **Online Banking** - ATM Bersama/Prima/Alto, BANCOMAT Pay, Bancontact, Bangkok Bank, Bank of Ayudhya, Bizum, BLIK, BNI, BPI, CIMB Niaga VA, EPS, Express Bank Transfer, FPX, Government Savings Bank, iDEAL, Kbank, Krung Thai Bank, Maybank, NetBanking, Pay by bank, Pay-easy, PayU, Permata, Przelewy24, Siam Commercial Bank, Swish, Union Bank **Real-time Payment** - Bank Transfer via VietQR, PayNow, Pix, PromptPay, QRIS, QRPH, UPI #### Tokenized Payment **Digital Wallet** - Alipay, AlipayHK, Boost, DANA, GCash, GrabPay SG, Hipay, KakaoPay, KPLUS, LINE Pay, Maya, MoMo, MPay, NAVER Pay, PayPay, Toss Pay, Touch 'n Go eWallet, TrueMoney, Viettel Money, ZaloPay **Online Banking** - ACH Direct Debit, Krung Thai Bank, Siam Commercial Bank #### Subscription Payment **Card** - Mastercard, Visa **Digital Wallet** - Alipay, AlipayHK, Apple Pay, Boost, DANA, GCash, Google Pay, GrabPay SG, LINE Pay, Maya, NAVER Pay, Touch 'n Go eWallet, TrueMoney --- ## Product Overview | Product | Use Case | Integration Mode | Key Features | |---------|----------|-----------------|--------------| | **One-time Payments** | Single-transaction payments for goods purchases, service fees, etc. | Element integration, Checkout integration (fully hosted / embedded), API-only (APM / bank card) | 3 integration modes available; supports Apple Pay / Google Pay express checkout; bank card payments require PCI qualification | | **Tokenized Payment** | Recurring auto-debit with a one-time authorization that remains valid long-term | **API-only** (Element/CKP not supported) | No repeated authorization needed after initial consent; supports 31 countries/regions and 16 local currency settlements; settlement cycle T+2 to T+25; **Only single wallet authorization per request** | | **Subscription Payment** | Subscription renewals and membership services with automatic periodic billing | Payment Element, Checkout Page (fully hosted), API-only (hosted card / merchant-collected card) | Supports yearly / monthly / weekly / daily / custom cycles; first payment requires 3DS verification; supports pause / resume / cancel; automatic retry on payment failure | --- ## Scenario Keyword Matching Quickly route to the corresponding product based on keywords in user input: | Keywords | Routed Product | |----------|----------------| | One-time payment, single payment, goods purchase, service fee, shopping payment, order payment, regular payment, instant payment | One-time Payments | | One-click payment, remember card, save payment method, quick payment, password-free payment, auto-debit, deduction, token payment, tokenized payment, bind payment method | Tokenized Payment | | Subscription, membership, monthly package, auto-renewal, recurring payment, periodic payment, continuous monthly, membership subscription, subscription-based, periodic billing, monthly payment, annual payment | Subscription Payment | --- ## One-time Payments Integration Decision | Scenario | Recommended Solution | Reason | |----------|---------------------|--------| | Quick launch, no UI customization needed | **CKP Hosted** | Zero frontend development, fastest integration | | Embedded payment page, maintain branding | **CKP Embedded** | Low-code, embedded in your page | | Partial customization, balance development and flexibility | **Element** | Moderate customization, good balance | | Full control over payment flow and UI | **API-only** | Maximum flexibility, high development cost | | PCI certified, server-side card processing | **Card API (Server Mode)** | Server-side direct transmission, supports complex backend logic | | No PCI certification, need secure card payment | **Element / CKP** | Card data processed by Antom, merchant doesn't handle sensitive data | --- ## Tokenized Payment Integration Decision **Tokenized Payment only supports API-only integration**, Element or CKP integration is not supported. | Scenario | Recommended Solution | Reason | |----------|---------------------|--------| | All Tokenized Payment scenarios | **API-only** | Product limitation, only API integration is available | **Important Notes:** - Merchants need to develop their own authorization page and payment flow - After successful authorization, obtain `agreementId`, use this ID for subsequent deductions - Antom hosted payment page is not supported - **Only single wallet authorization per request** (different from CKP batch payment method onboarding) --- ## Subscription Payment Integration Decision | Scenario | Recommended Solution | Reason | |----------|---------------------|--------| | Quick launch, no UI customization needed | **CKP** | Zero frontend, fastest integration | | Partial customization, embedded page | **Element** | Balance control and development cost (PC/H5 only) | | Full control over flow and UI | **API-only** | Maximum flexibility | | No PCI DSS certification | **CKP or Element** | Antom handles card data | | PCI DSS certified, need to control card | **API Card** | Merchant collects card information | | Need to support App | **CKP or API** | Element doesn't support App | --- ## Clarification Template When user description is vague or keyword matching is unclear, use the following template for product decision: ### Standard Clarification Template ``` Please confirm your business scenario: 1. One-time Payments - User needs to confirm authorization for each payment (card payment supports saved card payment) - Applicable: Goods purchase, service fee payment, order payment and other single transaction scenarios - Payment methods: Credit/debit cards, digital wallets, online banking transfer, cash payment, etc. 2. Tokenized Payment - After user authorizes once, subsequent auto-debit doesn't need confirmation again - Applicable: One-click payment, remember payment method, quick payment and other scenarios - Payment methods: Supports 19 global digital wallets (Note: Does not include card payment) 3. Subscription Payment - Auto-debit by cycle, supports pause/resume/cancel - Applicable: Membership subscription, auto-renewal, periodic service fee and other scenarios - Payment methods: Card + APM Please describe your specific business requirements? ``` --- ## Reference Documentation - [One-time Payments](https://cdn.marmot-cloud.com/page/antom-integration-doc/references/one-time-payments.md) - [Tokenized Payment](https://cdn.marmot-cloud.com/page/antom-integration-doc/references/tokenized-payment.md) - [Subscription Payment](https://cdn.marmot-cloud.com/page/antom-integration-doc/references/subscription-payment.md)