diff --git a/src/main/java/com/eactive/eai/custom/adapter/http/dynamic/filter/KakaopayFilter.java b/src/main/java/com/eactive/eai/custom/adapter/http/dynamic/filter/KakaopayFilter.java
new file mode 100644
index 0000000..cfc2e30
--- /dev/null
+++ b/src/main/java/com/eactive/eai/custom/adapter/http/dynamic/filter/KakaopayFilter.java
@@ -0,0 +1,45 @@
+package com.eactive.eai.custom.adapter.http.dynamic.filter;
+
+import java.util.Properties;
+
+import javax.servlet.http.HttpServletRequest;
+import javax.servlet.http.HttpServletResponse;
+
+import com.eactive.eai.adapter.http.dynamic.filter.FilterException;
+import com.eactive.eai.adapter.http.dynamic.filter.HttpAdapterFilter;
+import com.eactive.eai.common.util.JacksonUtil;
+import com.fasterxml.jackson.databind.JsonNode;
+import com.fasterxml.jackson.databind.ObjectMapper;
+
+/**
+ * 카카오뱅크 암복호화에 맟추어 커스텀 필요
+ */
+public class KakaopayFilter implements HttpAdapterFilter {
+
+	private static final ObjectMapper OBJECT_MAPPER = new ObjectMapper();
+
+	@Override
+	public Object doPreFilter(String adptGrpName, String adptName, Object message, Properties prop,
+			HttpServletRequest request, HttpServletResponse response) throws Exception {
+		
+		JsonNode rootNode = JacksonUtil.readTree(message, OBJECT_MAPPER);
+		
+		// term_agreements[0].is_agreed 값이 true 인지 확인
+		boolean firstAgreed = JacksonUtil.getBoolean(rootNode, "term_agreements[0].is_agreed", false);
+		
+		if (!firstAgreed) {
+			throw new FilterException("EB000003", "금리한도조회실패 - 고객 요청으로 인한 CB 조회 실패", 200);
+		}
+		
+		return message;
+
+	}
+
+	@Override
+	public Object doPostFilter(String adptGrpName, String adptName, Object resultMessage, Properties prop,
+			HttpServletRequest request, HttpServletResponse response) throws Exception {
+		return resultMessage;
+	}
+
+}
+
diff --git a/src/test/java/com/eactive/eai/custom/adapter/http/dynamic/filter/KakaopayFilterTest.java b/src/test/java/com/eactive/eai/custom/adapter/http/dynamic/filter/KakaopayFilterTest.java
new file mode 100644
index 0000000..6360ee6
--- /dev/null
+++ b/src/test/java/com/eactive/eai/custom/adapter/http/dynamic/filter/KakaopayFilterTest.java
@@ -0,0 +1,108 @@
+package com.eactive.eai.custom.adapter.http.dynamic.filter;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.junit.jupiter.api.Assertions.assertSame;
+import static org.junit.jupiter.api.Assertions.assertThrows;
+
+import org.junit.jupiter.api.BeforeEach;
+import org.junit.jupiter.api.Test;
+
+import com.eactive.eai.adapter.http.dynamic.filter.FilterException;
+
+class KakaopayFilterTest {
+
+	private KakaopayFilter filter;
+
+	@BeforeEach
+	void setUp() {
+		filter = new KakaopayFilter();
+	}
+
+	// -----------------------------------------------------------------------
+	// doPreFilter
+	// -----------------------------------------------------------------------
+
+	@Test
+	void preFilter_firstAgreedTrue_returnsMessage() throws Exception {
+		String message = "{\"term_agreements\":[{\"is_agreed\":true}]}";
+
+		Object result = filter.doPreFilter(null, null, message, null, null, null);
+
+		assertSame(message, result);
+	}
+
+	@Test
+	void preFilter_firstAgreedFalse_throwsFilterException() throws Exception {
+		String message = "{\"term_agreements\":[{\"is_agreed\":false}]}";
+
+		FilterException ex = assertThrows(FilterException.class,
+				() -> filter.doPreFilter(null, null, message, null, null, null));
+		assertEquals("EB000003", ex.getMessage());
+		assertEquals(200, ex.getStatus());
+	}
+
+	@Test
+	void preFilter_isAgreedFieldMissing_throwsFilterException() {
+		// is_agreed 필드 없음 → getBoolean 기본값 false → 예외
+		String message = "{\"term_agreements\":[{}]}";
+
+		assertThrows(FilterException.class,
+				() -> filter.doPreFilter(null, null, message, null, null, null));
+	}
+
+	@Test
+	void preFilter_termAgreementsEmpty_throwsFilterException() {
+		// 배열이 비어있어 [0] 접근 불가 → getBoolean 기본값 false → 예외
+		String message = "{\"term_agreements\":[]}";
+
+		assertThrows(FilterException.class,
+				() -> filter.doPreFilter(null, null, message, null, null, null));
+	}
+
+	@Test
+	void preFilter_termAgreementsMissing_throwsFilterException() {
+		// term_agreements 필드 자체 없음 → getBoolean 기본값 false → 예외
+		String message = "{}";
+
+		assertThrows(FilterException.class,
+				() -> filter.doPreFilter(null, null, message, null, null, null));
+	}
+
+	@Test
+	void preFilter_multipleEntries_firstAgreedTrue_returnsMessage() throws Exception {
+		// 첫 번째 true, 두 번째 false → 통과
+		String message = "{\"term_agreements\":["
+				+ "{\"is_agreed\":true},"
+				+ "{\"is_agreed\":false}"
+				+ "]}";
+
+		Object result = filter.doPreFilter(null, null, message, null, null, null);
+
+		assertSame(message, result);
+	}
+
+	@Test
+	void preFilter_multipleEntries_firstAgreedFalse_throwsFilterException() {
+		// 첫 번째 false, 두 번째 true → 예외
+		String message = "{\"term_agreements\":["
+				+ "{\"is_agreed\":false},"
+				+ "{\"is_agreed\":true}"
+				+ "]}";
+
+		assertThrows(FilterException.class,
+				() -> filter.doPreFilter(null, null, message, null, null, null));
+	}
+
+	// -----------------------------------------------------------------------
+	// doPostFilter
+	// -----------------------------------------------------------------------
+
+	@Test
+	void postFilter_alwaysReturnsResultMessage() throws Exception {
+		String resultMessage = "{\"result\":\"ok\"}";
+
+		Object result = filter.doPostFilter(null, null, resultMessage, null, null, null);
+
+		assertSame(resultMessage, result);
+	}
+}