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PAYCO is a digital wallet used in South Korea. Customers pay with the wallet and confirm each payment on the PAYCO page. Payrails processes PAYCO through Stripe. Pick the PSP below for its setup steps and request examples.

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How a PAYCO payment works

PAYCO is a wallet redirect payment method:
  1. The customer selects PAYCO at checkout.
  2. Payrails returns a redirect URL from the PSP, and the customer goes to the PAYCO page of the PSP’s local processing partner.
  3. The customer confirms the payment with PAYCO.
  4. The customer returns to your returnInfo URL.
  5. Payrails receives the final result from the PSP and updates the payment.
Each payment is single-use: the customer confirms every payment on its own. Payrails captures PAYCO payments immediately, so a successful payment is final. To return funds, refund the payment.

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Supported currencies and countries

PAYCO supports KRW (South Korean won) as its only presentment currency. KRW has no decimal places, so send amounts such as "10000". PAYCO is available to customers based in:
RegionsCountries
Asia Pacific🇰🇷 South Korea

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Integrate PAYCO

Choose the PSP that processes PAYCO for you. The guide covers the PSP-side setup, the Payrails configuration and the request fields that PSP requires.

Stripe

PAYCO via Stripe

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Check PSPs

WorkflowStripe
Payrails SDK✔
Payrails API✔
Delayed / Manual Capture✖
Instant Capture✔
Cancel / Void✖
Refund / Reverse✔
Save Instruments✖
Merchant Initiated Transaction (MIT)✖

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Ways to integrate PAYCO

  • Payrails SDK: the Web SDK shows PAYCO when your workflow returns it as a payment option, and redirects the customer to PAYCO. To control how the redirect opens, listen for the actionRequired event.
  • Payrails API: call lookup payment options, then authorize with payCo as the paymentMethodCode. The PSP guide lists the meta fields that PSP requires.
In both cases, confirm the final result through webhook notifications or the execution status. Don’t treat the customer’s return to your success URL as proof of payment.
Last modified on October 16, 2026