Create Payment Order — FLEX (Hosted Payment Page) ⭐ Recommended

✅ FLEX is the recommended way to create deposit orders — one API call returns a hosted payment_url that handles the entire customer flow. Please use FLEX for all new integrations and migrate existing ones.

Why FLEX?

• One API, every channel we have. FLEX automatically routes each order through all payment channels available on the platform and picks the best one for that order — so you always get the highest availability and success rate we can offer.
• Simple for your customer. The customer receives the transfer instruction as either a QR code or a bank account number — whichever channel the system selects.
• Hosted payment page handles everything. The customer completes the payment on our payment page only. The page guides the customer through the entire flow by itself: how-to instructions, making the transfer, and submitting the slip — including countdown timers, real-time status updates, and the redirect back to your site.
• Nothing to build on your side. You only call one API, get a payment_url, and send the customer there. No QR rendering, no bank-account display screens, no slip-upload UI.
• Customizable look. The payment page supports multiple themes to match your brand — see the Payment-Page Themes section below (default theme: halo).

⚠️ Important : the customer must make the payment through our payment page only. Do not extract the QR/account details and present them in your own UI — the page flow (instructions → transfer → slip submission) is part of how the order gets confirmed.

How it works

1. Call POST /payment-flex/create → receive payment_url.
2. Redirect (or open a new tab for) the customer to payment_url.
3. The payment page guides the customer: shows instructions, the QR code or destination bank account, collects the slip if required, and shows live status.
4. When the payment is confirmed, the payment gateway calls your notify_url (see Payment Callback) and the page redirects the customer to your redirect_url (if provided).

URL : /payment-flex/create

Method : POST

Request

{
   "merchant_id" : "[Merchant id]",
   "token" : "[Auth Token]",
   "time" : "[Time Stamp]",
   "merchant_order_id" : "[unique merchant order id]",
   "amount" : "[amount]",
   "bank" : "[bank]",
   "account_name" : "[account_name]",
   "account_no" : "[account_no]",
   "notify_url" : "[notify url]",
   "redirect_url" : "[redirect url] (optional)",
   "payment_theme" : "[theme name] (optional)"
}

payment_theme resolution order: request value → clients.default_payment_theme → partners.default_payment_theme → default theme (halo). The resolved value is stored with the order at creation time.

Response

Success : 200 OK

{
    "success": 200,
    "data": {
        "platform_order_id": "THBP20260531...",
        "merchant_order_id": "ORDER0123456789789445566",
        "payment_method": "TRANSFER",
        "payment_url": "https://payment.example.com/THBP20260531.../<hash>"
    }
}

Error : 403 (auth) or 500 (other)

{ "error": { "code": 500, "message": "amount must be greater than 20" } }

Pending-order guard (409) — only one open FLEX order is allowed per customer account at a time. A second create returns {"success":false,"code":409,"error":"you have a pending payment order...","data":{"pending_order_id":"THBP..."}}. Cancel that order with Cancel Payment (or let the customer cancel on the payment page), then retry the create.

Payment-Page Themes

The hosted payment page can be styled with the payment_theme parameter. If you do not send one (and no default has been configured for your account), the page uses the default theme halo.

Available themes:

Theme	Preview
Halo — halo (default)
Pristine — pristine
Blue — blue
Vault — vault
Sunset — sunset
Obsidian — obsidian
Stack — stack
Sienna — sienna
Mint — mint
Pulse — pulse

Sending payment_theme: "default" also renders the Halo design. An unknown / invalid payment_theme value falls back to the default theme. A per-merchant default theme can also be configured for your account — contact support or set it via the client portal.

Bank Codes