Why does it show a connection verification failure when saving credentials?

Please check the following two items: Ensure Store ID, API Key, and Secret Key do not have leading or trailing spaces, and are not test environment keys. Confirm the IP whitelist is set on the JKO side: If the JKO OnlinePay API has not added the Kanorio egress IP to the whitelist, connection requests will be blocked. Please contact Kanorio support to get the fixed IP and ask your JKO representative to enable it.

Accepting Payments with JKO Pay

About 7 minIntermediate

Overview

JKO Pay is one of the mainstream mobile payment tools in Taiwan (available for stores with their "Business Location" set to Taiwan TW and "Store Currency" set to New Taiwan Dollar TWD). At checkout, buyers can trigger the JKO Pay App to pay using their JKO account balance, linked bank accounts, bound domestic credit cards, or JKO Coins and JKO Coupons.

In Kanorio, JKO Pay is categorized as a "Direct Wallet":

Compatible with Multi-Payment and LINE Pay: You can enable JKO Pay alongside (or ) and . Buyers can select their preferred method on the same checkout screen.

Preparation: Apply for "OnlinePay" Credentials

Online stores use the "OnlinePay API" service from JKO Pay (not the QR Code standees used in physical stores). If you do not have a JKO OnlinePay account yet, please apply for partnership directly through the official JKO Pay website:

1. Prepare Documents Based on Your Entity Type

Applicant Type	Commonly required documents for JKO Pay application (subject to the latest official JKO Pay guidelines)
Individual (No Tax ID)	• Color photo of the applicant's National ID card (front and back).；• Copy of the applicant's Taiwan TWD bank passbook cover.；• URL of the live public store and photos/screenshots of products for sale.
Sole Proprietorship / Partnership (With Tax ID)	• Business Registration Transcript or approval document (including 8-digit Tax ID).；• Color photo of the proprietor's National ID card (front and back).；• Copy of the business bank passbook cover (or the sole proprietor's personal bank passbook cover).；• National Taxation Bureau business tax registration document and public store URL.
Corporate Entity (With Tax ID)	• Company Registration/Amendment Certificate.；• Color photo of the representative's National ID card (front and back).；• Copy of the company's TWD bank passbook cover and public store URL.

2. Obtain 3 Connection Credentials

Once your JKO Pay application is approved and the contract is signed, you will receive the OnlinePay connection details. Please ensure you have the following 3 fields:

Store ID
API Key
Secret Key

Regarding Server IP Whitelisting: The JKO OnlinePay API verifies the fixed IP of the connecting host. The Kanorio platform uses a fixed egress IP architecture. If the JKO technical support team asks for the platform or server IP during setup, please contact Kanorio support to obtain the official fixed IP list for JKO registration.

Enable JKO Pay in Kanorio

Once you have the credentials, you can enable it in the dashboard in just one minute:

Go to "Settings › Payments" in your dashboard.
Click "Already approved by JKO Pay? Enable now" on the JKO Pay card.
Enter your Store ID, API Key, and Secret Key.
Select your "JKO Account Type":
- Individual (The system will calculate the payment processing fee at the individual rate of 2.5%)
- Corporate (The system will calculate the payment processing fee at the corporate rate of 2.2%)
- Note: The account type is locked after activation. Please select the type that matches your actual contract with JKO.
Click "Save":
- Real-time Connection Test & Encrypted Storage: The system will automatically send a connection test to JKO to verify the credentials and IP whitelist. Once verified, the credentials will be securely stored using Google Cloud KMS envelope encryption (see ).
If your website is on the Free or Pro plan (platform fee > 0%), ensure you have a credit card bound in "Settings › Subscription". JKO Pay will be enabled immediately and displayed at checkout.

How Do Buyers Pay?

Confirm Order & Redirect: After the buyer selects JKO Pay at checkout and clicks to complete the order, the desktop version will display a JKO payment QR Code for mobile scanning, while the mobile version will directly trigger the JKO Pay App.
Real-time Notifications & Automatic Reconciliation:
- Once the buyer completes the payment in the JKO App, the JKO server will send an encrypted notification (Webhook) to Kanorio in real-time, redirecting the buyer to your post-purchase order status page and marking the order as "Paid" immediately.
- If the buyer closes the window before the page redirects, the system's background automatic reconciliation mechanism will actively query the transaction status from JKO and update the order accordingly.

Fee Structure & Refund Rules (Including JKO Coupon Restrictions)

1. Payment Processing Fees & Monthly Platform Fees

JKO Payment Processing Fee: Charged based on your JKO contract type (typically 2.5% for individuals / 2.2% for corporate; actual rates depend on your JKO contract and settlement). This is deducted directly by JKO Pay during disbursement.
Kanorio Platform Fee (9% / 3% / 0%): Since JKO Pay disburses funds directly to your bank account, Kanorio platform fees are charged via monthly credit card billing (if there is no monthly plan fee, charges are consolidated once they reach NT$150 or after 3 billing cycles; Business plan is 0% and requires no card). See .

2. Refund Period & "JKO Coupon" Restrictions

180-Day Refund Period: Within 180 days of payment, you can initiate an online refund from the Kanorio dashboard under "Orders" (if you manually process a refund in the JKO merchant portal, the system will automatically sync the status back to the order in the background).
Orders using "JKO Coupons" only support full refunds:
- Standard JKO orders support full and multiple partial refunds.
- However, if the buyer used official "JKO Coupons" at the time of payment, per JKO Pay API regulations, the order only accepts "Full Refunds" and does not allow partial refunds. If you attempt a partial refund on an order containing JKO Coupons, the system will intercept the restriction from JKO and prompt: This payment method does not support partial refunds; please perform a full refund instead.
Fee Policy: After a full or partial refund, the incurred Kanorio platform fees and payment processing fees are not refunded to the merchant. See .

Frequently Asked Questions

Please check the following two items:

Ensure Store ID, API Key, and Secret Key do not have leading or trailing spaces, and are not test environment keys.
Confirm the IP whitelist is set on the JKO side: If the JKO OnlinePay API has not added the Kanorio egress IP to the whitelist, connection requests will be blocked. Please contact Kanorio support to get the fixed IP and ask your JKO representative to enable it.

Yes. In Kanorio, mobile payment methods can operate independently and do not require binding to multi-payment services. As long as you enable either JKO Pay or LINE Pay, your store can accept payments normally.