Sacombank Pay — Integration, OpenBanking & Protocol Analysis

Technical deliverables

• OpenAPI (Swagger) for all exposed endpoints
• Server adapter (Node.js & Python) to fetch balances, transactions and initiate payments
• Webhook listener and signature verification module
• Automated tests & Postman collection
• Integration README, deployment & runbook

Compliance & Security

• Data minimization plan & retention policy
• Recommended consent flows & audit logging
• Guidance for local regulator alignment (where applicable)
• Optional: penetration test and code-signing

Timeline & support

Typical first-pass delivery: 5–12 business days (scope dependent). We offer optional ongoing support and SLA packages.

Recommended architecture

Deploy a small adapter service that performs: OAuth2 / token lifecycle management, rate-limited requests to the wallet backend, webhook verification, and a normalized REST API for your product to consume.

1. Authenticate & obtain access token (OAuth2 / mTLS / API key depending on bank)
2. Pull accounts & balances with pagination
3. Subscribe to webhooks (or provide a delivery endpoint)
4. Normalize transaction records to your internal schema

Auth & token handling (example)

We recommend OAuth2 with refresh token + PKCE for mobile flows, and client_credentials with short-lived tokens for server-to-server adapters. Always store refresh tokens encrypted and rotate client secrets.

// Example: refresh access token (Node.js pseudo-code)
POST https://bank.example.com/oauth/token
Content-Type: application/x-www-form-urlencoded

grant_type=refresh_token&refresh_token=&client_id=&client_secret=

Response: {
  "access_token":"ey..",
  "expires_in":3600,
  "refresh_token":"rft.."
}

API examples (pseudo)

// Get accounts
GET /api/v1/sacombank/accounts
Authorization: Bearer 

Response: [{ "id":"acc_123","type":"wallet","currency":"VND","balance":1250000 }]

// Transactions export (normalized)
GET /api/v1/sacombank/accounts/acc_123/transactions?from=2025-01-01&to=2025-01-31

Webhook handling & verification

We deliver a secure webhook verifier. Bank signs payloads with HMAC-SHA256. Example verification (Python):

import hmac, hashlib

def verify_signature(secret, payload, signature_header):
    digest = hmac.new(secret.encode(), payload, hashlib.sha256).hexdigest()
    return hmac.compare_digest(digest, signature_header)

Core Benefits

• Fast time-to-market: production-ready API adapter within days
• Compliant by design: consent, retention, and KYC patterns
• Multi-language support & localization (English, Vietnamese, etc.)
• Delivered with tests, OpenAPI and runnable examples

Studio — who we are

We are a technical service studio specialized in mobile interface analysis, OpenData/OpenFinance integrations and authorized API delivery. Our engineers come from fintech, banking and mobile security backgrounds and deliver source code, CI tests, and docs as standard.

Services include: protocol reverse engineering (ethical), authorization flow refactor, Open Data adapters, third-party interface integration, automated data exports and API documentation delivery.

How to start (3 simple steps)

1. Tell us the target app (you already did) and your integration goals (accounts, payments, webhooks).
2. We perform protocol analysis & produce an integration plan (2–5 business days).
3. We deliver code, docs and test harness. You validate & we help deploy.

Contact

Ready to integrate Sacombank Pay? Click below to reach our contact page and share your requirements. We can start with a small scope ($300) and scale up.

Contact Us