💳 Payment Gateway

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🏦 OCBC Payment Gateway Integration Guide

Step-by-step guide for integrating OCBC (or any) payment gateway into PlagSini EV.

1

Get Credentials from OCBC

After your proposal is approved, OCBC will provide:
Merchant ID — Your unique merchant identifier
API Key — For authenticating API requests
API Secret — For signing/verifying requests
Sandbox URL — Test environment endpoint
Production URL — Live environment endpoint

2

Key-In Credentials Here

Click "+ Add Gateway" → Select "OCBC" → Fill in the credentials from step 1. Start with Sandbox mode for testing.

3

Give OCBC Your Callback URL

OCBC needs to know where to send payment confirmations. Give them this URL:

https://your-domain.com/api/payment/callback/ocbc

This endpoint receives payment confirmations automatically.

4

Test in Sandbox

Make test payments using OCBC's sandbox credentials. Check the Transactions tab to verify everything works.

5

Go Live

Once testing is done:
1. Update credentials with Production keys from OCBC
2. Toggle Sandbox OFF
3. Set as Default gateway
4. Enable the gateway → Done! 🎉

💡 Payment Flow (How it Works)

1. User taps "Top Up" in PlagSini App 2. App sends request to your server → POST /api/payment/topup 3. Server creates payment with OCBC API → Gets payment URL 4. User is redirected to OCBC's payment page (bank login / card) 5. User completes payment 6. OCBC sends callback to → POST /api/payment/callback/ocbc 7. Server verifies & credits user's wallet ✅ 8. User sees updated balance in app

🔧 Supported Gateways

OCBCBank's own payment gateway (FPX, Card, DuitNow)Requires merchant account
BillplzPopular Malaysian gateway (FPX)Free signup, 1.5% fee
ManualBank transfer — admin approvesNo API needed