What it is
Toss is a South Korean financial super-app from Viva Republica. It includes Toss Pay, a mobile wallet used by a large share of Koreans, and Toss Payments, a modern payment gateway that processes cards, bank transfers, virtual accounts, and other wallets. For merchants, Toss is both a popular customer wallet and a full gateway you can integrate directly.
- Korean super-app by Viva Republica
- Includes Toss Pay wallet and Toss Payments gateway
- Processes cards, transfers, virtual accounts, and wallets
Where it is mainly used
Toss is a South Korea method. Toss Pay is used by a large share of Koreans for everyday payments, and Toss Payments has become a default gateway for many Korean startups and e-commerce sites. If you sell to Korea, Toss covers both the wallet your customers hold and the rails to accept it.
- South Korea
- Toss Pay used by a large share of Koreans
- Toss Payments popular with Korean startups and e-commerce
How customers pay at checkout
With Toss Pay, the customer approves payment in the Toss app, often with biometrics. Through Toss Payments, your store can also accept Korean cards, bank transfers, virtual accounts, and other wallets (including KakaoPay and Naver Pay) in one integration. Korean online payments use a two-step identity check before authorisation.
- Toss Pay approved in the Toss app
- Toss Payments accepts cards, transfers, virtual accounts, wallets
- Korean payments use a two-step identity check
How merchants get access
Merchants integrate with Toss Payments through its developer centre, using test keys before going live and a merchant contract for production. You can also turn on Toss Pay as a wallet within Toss Payments. A Korean business helps, but Toss Payments documents an international API guide for cross-border setups.
- Integrate via the Toss Payments developer centre
- Test keys first, then a live merchant contract
- International API guide available for cross-border
PSP and aggregator route
If you want many Korean methods at once, use an aggregator such as PortOne that wraps Toss Payments, KCP, and others behind one SDK, or a global PSP that supports Toss Pay. This lets you switch methods without re-coding and handles settlement to your account.
- Aggregators wrap Toss, KCP, and others in one SDK
- Global PSPs support Toss Pay
- Switch methods without re-coding
Pricing and settlement
Toss Payments publishes indicative card fees (around 2.5% to 3.3% plus VAT for direct sign-up) and wallet fees that vary, but exact rates are contract-specific. Settlement is commonly next-business-day (D+1). Published pricing is for initial screening only; confirm the provider's official pricing page or a written quote before you go live.
- Indicative card fees around 2.5% to 3.3% plus VAT
- Wallet and other fees vary by contract
- Commonly D+1 settlement
- Always confirm official pricing in writing before launch
Public contact route
Toss publishes an official site and a Toss Payments developer centre with documentation and pricing. Merchant support is available via the Toss Payments support email below.
- Official site: toss.im
- Toss Payments docs: docs.tosspayments.com
- Toss Payments support email: support@tosspayments.com
Questions merchants ask
Is Toss a wallet or a payment gateway?
Both. Toss Pay is the customer wallet, and Toss Payments is the gateway that processes it plus cards, transfers, and other wallets.
Can a foreign merchant use Toss Payments?
Yes. Toss Payments provides an international API guide, though a Korean business and contract may still be needed for full local settlement.
How fast is settlement?
Toss Payments commonly settles on the next business day (D+1); your exact schedule is in your merchant contract.
What are the fees?
Indicative card fees are around 2.5% to 3.3% plus VAT and wallet fees vary. Published pricing is for initial screening only; confirm the provider's official pricing page or a written quote before you go live.
Do I need to build separate integrations for each Korean wallet?
Not if you use Toss Payments or an aggregator. Toss Payments can process KakaoPay and Naver Pay in one SDK; aggregators add KCP and more.
Where do I get developer help?
Use the Toss Payments developer centre and docs, or email support@tosspayments.com.