Cashnote Korean SMB sales and MyData API

Korea Credit Data · Business

캐시노트 - 사장님 필수앱 (Cashnote) is Korea Credit Data's (KCD) bookkeeping home for Korean small-business owners (사장님). After an ID-and-password sign-in, owners attach one or more storefronts and work from today's sales mix, a calendar of card/cash/invoice/delivery revenue, a cost calendar, a settlement calendar that splits Baemin, Yogiyo and Coupang Eats deposits, and a bank-account dashboard of connected KRW balances. The same home surfaces Home Tax (홈택스), card, bank, POS and Crefia connection status, plus Korean MyData bank and card links, daily memos, and a verified owner profile. The Play listing is Korean-language and Korea-only; owners in that market often run it next to POS terminals and the three major delivery apps rather than a generic expense tracker.

Storefront identity sits as registrationNumber beside businessId, while the daily sales calendar splits the same day into card, cash, invoice, delivery and other KRW totals. Settlement days further break deposits into baemin, yogiyo and coupangEats, and month-ahead charts pair estimatedAmount with currentAmount. Connected bank rows expose balance and accountType next to lastTransactedAt.

Credential flags track Home Tax, Crefia, POS and live card scrapes; MyData orgs expose code, accountList and cardList after a Bearer token issued as jwt. Lending stacks, franchise controllers and delivery-payout reconcilers can join those storefronts to nightly sales without another scrape. openData Studio turns that surface into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Login with ID and password
POST /v1/sajang/session/id-password osint
Exchanges an owner login and plaintext password for a JWT used as Bearer auth on member, dashboard and MyData calls.
Auth: None (issues jwt). Body is login and plainPassword. Subsequent calls send Authorization: Bearer <jwt>.
- login
- plainPassword
- jwt
- errorCode
- success
- message
- response
```
POST /v1/sajang/session/id-password HTTP/1.1
Content-Type: application/json

{
  "login": "[email protected]",
  "plainPassword": "********"
}
```
```
{
  "errorCode": 0,
  "success": true,
  "message": "",
  "response": {
    "jwt": "eyJhbGciOiJIUzI1NiJ9.example"
  }
}
```

Refresh member JWT

GET /v1/sajang/session/rotate opendata

Rotates the member JWT without re-entering login and plainPassword.

Auth: Bearer JWT from login (jwt).

jwt
errorCode
success
message
response

GET /v1/sajang/session/rotate HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "errorCode": 0,
  "success": true,
  "message": "",
  "response": {
    "jwt": "eyJhbGciOiJIUzI1NiJ9.refreshed"
  }
}

List attached businesses

GET /v1/sajang/storefronts osint

Returns the signed-in owner's storefronts with Korean business registration numbers and owner role flags.

Auth: Bearer JWT from login.

businesses
userId
userUUID
businessId
name
role
representativeVerified
registrationNumber
incorporated
errorCode
success

GET /v1/sajang/storefronts HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "errorCode": 0,
  "success": true,
  "message": "",
  "response": {
    "userId": 1843921,
    "userUUID": "usr_8f21c0a4",
    "businesses": [
      {
        "businessId": "biz_44102",
        "name": "한강분식 신촌점",
        "role": "OWNER",
        "representativeVerified": true,
        "registrationNumber": "123-45-67890",
        "incorporated": false
      }
    ]
  }
}

Member profile

GET /v1/sajang/owner-card osint

Reads the signed-in owner's identity card: real name, phone, birthday, MyData-user flag and Korean carrier.

Auth: Bearer JWT from login.

trackingId
id
name
realName
phoneNumber
birthday
age
gender
nationality
identityVerified
isMydataUser
telecommunicationServiceProvider

GET /v1/sajang/owner-card HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "errorCode": 0,
  "success": true,
  "message": "",
  "response": {
    "trackingId": "trk_9c12",
    "id": "1843921",
    "name": "김사장",
    "realName": "김민수",
    "phoneNumber": "010-1234-5678",
    "birthday": "1984-03-12",
    "age": 42,
    "gender": "MALE",
    "nationality": "KR",
    "identityVerified": true,
    "isMydataUser": true,
    "telecommunicationServiceProvider": "SKT"
  }
}

Today sales summaries

GET /v1/sajang/home/today-mix opendata

Home-screen tiles for the selected storefront's current-day sales mix (label, text, type).

Auth: Bearer JWT from login. Query takes the active businessId.

todaySummaries
icon
link
label
text
type

GET /v1/sajang/home/today-mix?businessId=biz_44102 HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "todaySummaries": [
    {
      "icon": "https://cdn.example.com/icons/card.png",
      "link": "/sales/today",
      "label": "카드매출",
      "text": "1,240,000원",
      "type": "CARD"
    }
  ]
}

Revenue calendar

GET /v1/sajang/ledgers/revenue-month openfinance

Month calendar of storefront revenue split into card, cash, invoice, delivery and other KRW totals per day.

Auth: Bearer JWT from login. Query takes the active businessId.

link
isConnected
summaries
type
text
dailyData
date
total
card
cash
invoice
delivery
other

GET /v1/sajang/ledgers/revenue-month?businessId=biz_44102 HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "link": "/sales/calendar",
  "isConnected": true,
  "summaries": [
    {"type": "CARD", "text": "카드 8,400,000원"},
    {"type": "CASH", "text": "현금 1,100,000원"},
    {"type": "DELIVERY", "text": "배달 2,300,000원"},
    {"type": "INVOICE", "text": "세금계산서 900,000원"},
    {"type": "OTHER", "text": "기타 120,000원"},
    {"type": "TOTAL", "text": "합계 12,820,000원"}
  ],
  "dailyData": [
    {
      "date": "2026-09-18",
      "total": 1282000,
      "card": 840000,
      "cash": 110000,
      "invoice": 90000,
      "delivery": 230000,
      "other": 12000,
      "link": "/sales/2026-09-18"
    }
  ]
}

Cost calendar

GET /v1/sajang/ledgers/cost-month opendata

Month calendar of storefront costs split into fixed, variable and uncategorized KRW totals per day.

Auth: Bearer JWT from login. Query takes the active businessId.

link
isConnected
summaries
dailyData
date
total
fixed
variable
uncategorized

GET /v1/sajang/ledgers/cost-month?businessId=biz_44102 HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "link": "/costs/calendar",
  "isConnected": true,
  "summaries": [],
  "dailyData": [
    {
      "date": "2026-09-18",
      "total": 410000,
      "fixed": 250000,
      "variable": 140000,
      "uncategorized": 20000,
      "link": "/costs/2026-09-18"
    }
  ]
}

Settlement calendar

GET /v1/sajang/ledgers/payout-month openfinance

Month calendar of expected deposits split into card acquirer plus Baemin, Yogiyo and Coupang Eats settlement KRW.

Auth: Bearer JWT from login. Query takes the active businessId.

link
isConnected
summaries
dailyData
date
total
card
baemin
yogiyo
coupangEats

GET /v1/sajang/ledgers/payout-month?businessId=biz_44102 HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "link": "/settlements/calendar",
  "isConnected": true,
  "summaries": [],
  "dailyData": [
    {
      "date": "2026-09-18",
      "total": 980000,
      "card": 420000,
      "baemin": 310000,
      "yogiyo": 150000,
      "coupangEats": 100000,
      "link": "/settlements/2026-09-18"
    }
  ]
}

Estimated monthly revenue

GET /v1/sajang/forecast/sales-month opendata

Month-ahead revenue chart pairing historical monthly amounts with estimatedAmount versus currentAmount.

Auth: Bearer JWT from login. Query takes the active businessId.

pastData
month
text
amount
estimatedData
estimatedText
estimatedAmount
currentAmount
summary
title
highlightText
subTitle
hasEnoughData
url

GET /v1/sajang/forecast/sales-month?businessId=biz_44102 HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "pastData": [
    {"month": "2026-08-01", "text": "8월", "amount": 11800000}
  ],
  "estimatedData": {
    "month": "2026-09-01",
    "estimatedText": "예상 1,250만원",
    "estimatedAmount": 12500000,
    "currentAmount": 8420000
  },
  "summary": {
    "title": "이번 달 매출 예상",
    "highlightText": "1,250만원",
    "subTitle": "지난달 대비",
    "hasEnoughData": true,
    "url": "/insights/revenue"
  }
}

Estimated monthly costs

GET /v1/sajang/forecast/spend-month opendata

Month-ahead cost chart pairing historical monthly amounts with estimatedAmount versus currentAmount.

Auth: Bearer JWT from login. Query takes the active businessId.

pastData
month
text
amount
estimatedData
estimatedText
estimatedAmount
currentAmount
summary
title
highlightText
subTitle
hasEnoughData
url

GET /v1/sajang/forecast/spend-month?businessId=biz_44102 HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "pastData": [
    {"month": "2026-08-01", "text": "8월", "amount": 4200000}
  ],
  "estimatedData": {
    "month": "2026-09-01",
    "estimatedText": "예상 450만원",
    "estimatedAmount": 4500000,
    "currentAmount": 3100000
  },
  "summary": {
    "title": "이번 달 비용 예상",
    "highlightText": "450만원",
    "subTitle": "지난달 대비",
    "hasEnoughData": true,
    "url": "/insights/costs"
  }
}

Credential connect status

GET /v1/sajang/links/scrape-health opendata

Per-storefront scrape/connect flags for Home Tax, Crefia, POS, live card sales, banks, cards and the three delivery apps.

Auth: Bearer JWT from login. Query takes the active businessId.

bank
card
crefia
hometax
mydataCard
pos
realTimeCard
realTimeCardCount
delivery
baemin
yogiyo
coupangEats
utilityBills

GET /v1/sajang/links/scrape-health?businessId=biz_44102 HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "bank": "CONNECTED",
  "card": "CONNECTED",
  "crefia": "CONNECTING",
  "hometax": "CONNECTED",
  "mydataCard": "NOT_CONNECTED",
  "pos": "CONNECT_FAIL",
  "realTimeCard": "CONNECTED",
  "realTimeCardCount": 3,
  "delivery": {
    "baemin": "CONNECTED",
    "yogiyo": "CONNECTED",
    "coupangEats": "NOT_CONNECTED"
  },
  "utilityBills": {}
}

Bank account dashboard

GET /v1/sajang/wallets/krw-accounts openbanking

Home bank-account tile plus per-account KRW balance, account type and last-transaction timestamp for connected storefront accounts.

Auth: Bearer JWT from login. Query takes the active businessId.

bankAccountCard
bankAccountList
accountType
balance
label
lastTransactedAt
logoUrl
title
url

GET /v1/sajang/wallets/krw-accounts?businessId=biz_44102 HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "bankAccountCard": {
    "title": "연결 계좌",
    "url": "/bank-accounts"
  },
  "bankAccountList": [
    {
      "accountType": "CHECKING",
      "balance": 8421500,
      "label": "사업자통장",
      "lastTransactedAt": "2026-09-18T09:12:00+09:00",
      "logoUrl": "https://cdn.example.com/orgs/kb.png",
      "title": "KB국민은행",
      "url": "/wallets/ast_kb_1"
    }
  ]
}

Dashboard memos

GET /v1/sajang/home/daily-notes opendata

Home list of dated owner memos (memoDate, memoContent) for the selected storefront.

Auth: Bearer JWT from login. Query takes the active businessId.

allMemoLink
memos
memoDate
memoContent
link

GET /v1/sajang/home/daily-notes?businessId=biz_44102 HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "allMemoLink": "/memos",
  "memos": [
    {
      "memoDate": "2026-09-18",
      "memoContent": "배달비 정산 확인",
      "link": "/memos/881"
    }
  ]
}

Dashboard business info tiles

GET /v1/sajang/home/biz-tiles osint

Home tiles of storefront identity copy (label and text) such as registration details shown next to the calendar.

Auth: Bearer JWT from login. Query takes the active businessId.

businessInfo
iconUrl
link
label
text

GET /v1/sajang/home/biz-tiles?businessId=biz_44102 HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "businessInfo": [
    {
      "iconUrl": "https://cdn.example.com/icons/biz.png",
      "link": "/business/profile",
      "label": "사업자등록번호",
      "text": "123-45-67890"
    }
  ]
}

MyData organization catalog

GET /v1/sajang/mydata/issuer-catalog openfinance

Catalog of Korean MyData banks and card issuers the owner can consent to, keyed by organization code.

Auth: Bearer JWT from login.

name
code
thumbnail
url

GET /v1/sajang/mydata/issuer-catalog HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "organizations": [
    {
      "name": "KB국민은행",
      "code": "004",
      "thumbnail": "https://cdn.example.com/orgs/kb.png",
      "url": "https://www.example-bank.kr"
    }
  ]
}

Connected MyData organizations

GET /v1/sajang/mydata/consented-issuers openbanking

Lists consented MyData banks and card issuers with masked account and card numbers plus consent expiry.

Auth: Bearer JWT from login.

success
response
bank
card
name
code
thumbnail
url
connected
expired
accountList
cardList
id
assetId
number

GET /v1/sajang/mydata/consented-issuers HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "success": true,
  "response": {
    "bank": [
      {
        "name": "KB국민은행",
        "code": "004",
        "thumbnail": "https://cdn.example.com/orgs/kb.png",
        "url": "https://www.example-bank.kr",
        "connected": true,
        "expired": false,
        "accountList": [
          {"id": 901, "assetId": "ast_kb_1", "name": "사업자통장", "number": "123-****-456"}
        ],
        "cardList": []
      }
    ],
    "card": [
      {
        "name": "삼성카드",
        "code": "365",
        "thumbnail": "https://cdn.example.com/orgs/samsungcard.png",
        "url": "https://www.example-card.kr",
        "connected": true,
        "expired": false,
        "accountList": [],
        "cardList": [
          {"id": 902, "assetId": "ast_sc_1", "name": "법인카드", "number": "5389-****-1234"}
        ]
      }
    ]
  }
}

MyData user channel

GET /v1/sajang/mydata/channel-bind openfinance

Returns the MyData channel binding (channelId, channelAccountId) for the signed-in owner.

Auth: Bearer JWT from login.

success
message
errorCode
response
id
channelId
channelAccountId

GET /v1/sajang/mydata/channel-bind HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example

{
  "success": true,
  "message": "",
  "errorCode": "0",
  "response": {
    "id": 55201,
    "channelId": "cashnote",
    "channelAccountId": "usr_8f21c0a4"
  }
}

Refresh MyData assets
POST /v1/sajang/mydata/assets-reload openbanking
Triggers a MyData asset refresh so subsequent connected-organization accountList and cardList rows update.
Auth: Bearer JWT from login.
- success
- message
```
POST /v1/sajang/mydata/assets-reload HTTP/1.1
Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.example
```
```
{
  "success": true,
  "message": ""
}
```

Where teams use this data

Delivery-payout reconciliation
A franchise controller joins daily baemin, yogiyo and coupangEats settlement KRW to each storefront's businessId so Baemin/Yogiyo/Coupang Eats deposits match the POS close.
Lending-stack storefront underwrite
A Korean SMB lender pulls registrationNumber plus card/cash/invoice/delivery calendar totals, estimatedAmount versus currentAmount, and bankAccountList.balance to size a working-capital line without another Home Tax scrape.
MyData bank-card consent monitor
An accounting bot watches connected MyData bank and card orgs (code, expired, masked number) and re-runs an asset refresh when a consent is about to lapse.
Home Tax and Crefia connect health
An MSP dashboard maps hometax, crefia, pos and realTimeCard flags per storefront so a disconnected National Tax Service scrape is fixed before month-end close.

Frequently asked questions

What sales mix does Cashnote expose per day?

The revenue calendar returns per-day KRW totals for card, cash, invoice, delivery and other, plus a type/text summary row for CARD, CASH, DELIVERY, INVOICE, OTHER and TOTAL.

How are Baemin, Yogiyo and Coupang Eats deposits represented?

The settlement calendar dailyData object carries baemin, yogiyo and coupangEats KRW next to card acquirer deposits; credential connect-info repeats those three apps as nested delivery flags.

Does Cashnote include Korean MyData bank and card links?

Yes. The issuer catalog lists name, code, thumbnail and url; consented issuers add connected, expired, accountList and cardList with masked number and assetId. A separate bank-account dashboard returns per-account balance and accountType.

How is the owner authenticated?

ID-and-password login returns jwt inside a wrapper of errorCode, success, message and response. Later calls send that value as a Bearer token; a rotate call refreshes it without re-entering the password.

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More Business apps

Topics

Cashnote API
캐시노트
Korea Credit Data
Korean SMB sales
MyData
Baemin settlement
Home Tax
registrationNumber

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Cashnote Korean SMB sales and MyData API

Screenshots

API surface

Login with ID and password

Refresh member JWT

List attached businesses

Member profile

Today sales summaries

Revenue calendar

Cost calendar

Settlement calendar

Estimated monthly revenue

Estimated monthly costs

Credential connect status

Bank account dashboard

Dashboard memos

Dashboard business info tiles

MyData organization catalog

Connected MyData organizations

MyData user channel

Refresh MyData assets

Data categories

Where teams use this data

Delivery-payout reconciliation

Lending-stack storefront underwrite

MyData bank-card consent monitor

Home Tax and Crefia connect health

Frequently asked questions

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Cashnote Korean SMB sales and MyData API

Screenshots

API surface

Login with ID and password

Refresh member JWT

List attached businesses

Member profile

Today sales summaries

Revenue calendar

Cost calendar

Settlement calendar

Estimated monthly revenue

Estimated monthly costs

Credential connect status

Bank account dashboard

Dashboard memos

Dashboard business info tiles

MyData organization catalog

Connected MyData organizations

MyData user channel

Refresh MyData assets

Data categories

Where teams use this data

Delivery-payout reconciliation

Lending-stack storefront underwrite

MyData bank-card consent monitor

Home Tax and Crefia connect health

Frequently asked questions

Related apps

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Need this app's data API integrated?