Payment Disbursement Business Codes

Transaction Status Codes

{
  "transactionStatus": 10,
  "transactionMessage": "SUCCESS"
}

Status Code Descriptions

Code	Description	Possible Reasons
0	UNKNOWN	Unknown
10	SUCCESS	Success
20	FAILED	Failure
40	TIMEOUT	Timeout during payment channel processing, status does not imply success or failure
50	PENDING	Transaction accepted, awaiting payment channel response or T+1 processing, status does not imply success or failure

API Details

Transfer to Account API

INFO

Purpose: Used for transfers between bank/wallet accounts.

Request URL: api/remit/bank/v1

Request Method: POST

WARNING

1. Transaction fees are calculated separately and are not deducted from the disbursement amount.

2. Explanation for notifyUrl:

   2.1 If the merchant's backend already has a disbursement callback address configured, this field can be omitted, and the backend configuration will be used.

   2.2 If the merchant's backend has no disbursement callback address configured, this field must be provided, and the URL passed in the request will be used.

   2.3 If both the backend and the request provide a callback address, the URL passed in the request will take priority.

Request Parameters

Parameter	Required	Type	Description	Example
orderId	Yes	String	Merchant order ID	202305250001
beneficiary	Yes	Object
- country	Yes	String	Country, can be "ID"	ID
- firstName	Yes	String	First name	Mia
- lastName	Yes	String	Last name	Smith
- phoneNumber	Yes	String	Phone number	62856123456
beneficiaryAccount	Yes	Object	Beneficiary account information
- bank	Yes	String	Bank code, refer to the bank code list	014
- city	Yes	String	Beneficiary account city, can be "Jakarta"	Jakarta
- name	Yes	String	Beneficiary account name	John Doe
- number	Yes	String	Beneficiary account number	6790153860
senderAmount	Yes	Long	Payment amount	10000
notifyUrl	No	String	Callback URL to receive payment status notifications	http://test.com
beneficiaryCity	No	String	Beneficiary city name	Jakarta
beneficiaryCountry	No	String	Beneficiary country, can be "ID"	ID
beneficiaryCurrency	No	String	Beneficiary currency, can be "IDR"	IDR
sender	No	Object	If sender is provided, all related fields are required
- country	No	String	Sender's country, can be "ID"	ID
- firstName	No	String	Sender's first name	Mia
- lastName	No	String	Sender's last name	Smith
- phoneNumber	No	String	Sender's phone number	62856123456
- birthDate	No	String	Sender's birthdate (YYYY-MM-DD)	2000-01-01
- personalId	No	String	Sender's personal ID number	167101110100001
- personalIdType	No	String	Personal ID type, fixed values: KTP (ID Card), PASSPORT	KTP
- personalIdCountry	No	String	Personal ID issuing country	ID
senderCountry	No	String	Sender's country, can be "ID"	ID
senderCurrency	No	String	Sender's currency, can be "IDR"	IDR

Request Example

{
  "orderId": "202305250001",
  "notifyUrl": "http://test.com",
  "beneficiary": {
    "country": "ID",
    "firstName": "FHILEA",
    "lastName": "HERMANUS",
    "phoneNumber": "628156056051"
  },
  "beneficiaryAccount": {
    "bank": "014",
    "city": "Jakarta",
    "name": "FHILEA HERMANUS",
    "number": "0803944123"
  },
  "senderAmount": 10000
}

Response Parameters

Parameter	Type	Description	Example
orderId	String	Merchant order ID	202305250001
transactionId	String	Platform transaction ID	T230525999999
transactionStatus	Int	Transaction status (see status codes)	50
transactionMessage	String	Transaction message (corresponds to transaction status)	Pending
createdTime	String	Order creation time, YYYY-MM-DD HH:MM:SS	2023-05-23 17:27:58
cashInTime	String	Cash-in time, YYYY-MM-DD HH:MM:SS	null
senderAmount	Long	Payment amount	10000
serviceFeeAmount	Long	Service fee	5000
beneficiaryName	String	Beneficiary name	FHILEA HERMANUS
beneficiaryAccountNumber	String	Beneficiary account number	628156056051
reason	String	Failure reason, fixed values: LOW_BALANCE, INVALID_BENEFICIARY, USER_AMOUNT_EXCEED_LIMIT. If empty, contact support for investigation in case of failure.

Response Example

{
  "status": 1,
  "message": "PROCESSING SUCCESS",
  "data": {
    "orderId": "202305250001",
    "transactionId": "T230525999999",
    "transactionStatus": 50,
    "transactionMessage": "PENDING",
    "createdTime": "2023-05-23 17:27:58",
    "cashInTime": null,
    "senderAmount": 10000,
    "serviceFeeAmount": 5000,
    "beneficiaryName": "FHILEA HERMANUS",
    "beneficiaryAccountNumber": "628156056051",
    "reason": ""
  }
}

TIP

The success of the transaction is determined by the transaction status code, not the request processing status. You can use the "Platform Transaction ID" for future status queries.

Asynchronous Callback Notification API

INFO

Purpose: Used to notify the merchant after a disbursement has been completed.

Request URL: Callback URL configured in the merchant backend or the notifyUrl passed in the request.

Request Method: POST

WARNING

After receiving the asynchronous notification, respond with the string "SUCCESS" (without quotes), and not in JSON format. Once successfully notified, no further notifications will be sent, with a maximum of 5 attempts.

Platform Notification Parameters

Parameter	Type	Description	Example
orderId	String	Merchant order ID	202305250001
transactionId	String	Platform transaction ID	T230525999999
transactionStatus	Int	Transaction status (see status codes)	10
transactionMessage	String	Transaction message (corresponds to transaction status)	Success
createdTime	String	Order creation time, YYYY-MM-DD HH:MM:SS	2023-05-23 17:27:58
cashInTime	String	Cash-in time, YYYY-MM-DD HH:MM:SS	2023-05-23 17:30:58
senderAmount	Long	Payment amount	10000
serviceFeeAmount	Long	Service fee	5000
beneficiaryName	String	Beneficiary name	FHILEA HERMANUS
beneficiaryAccountNumber	String	Beneficiary account number

628156056051 | | reason | String | Failure reason, fixed values: LOW_BALANCE, INVALID_BENEFICIARY.
If empty, contact support for investigation in case of failure. | |

Example of Notification Data Sent to Merchant

{
  "status": 1,
  "message": "PROCESSING SUCCESS",
  "data": {
    "orderId": "202305250001",
    "transactionId": "T230525999999",
    "transactionStatus": 10,
    "transactionMessage": "SUCCESS",
    "createdTime": "2023-05-23 17:27:58",
    "cashInTime": "2023-05-23 17:30:58",
    "senderAmount": 10000,
    "serviceFeeAmount": 5000,
    "beneficiaryName": "FHILEA HERMANUS",
    "beneficiaryAccountNumber": "628156056051",
    "reason": ""
  }
}

Transaction Query API

INFO

Purpose: Used to query the status of a specific transaction.

Request URL: api/remit/query/v1

Request Method: POST

Request Parameters

Parameter	Required	Type	Description	Example
queryId	Yes	String	Query ID, must be unique	202305260001
orderId	Yes	String	Merchant order ID	202305250001
transactionId	No	String	Platform transaction ID (if not specified, merchant order ID will be used; if both are provided, they will be cross-checked)	T20230525999

Request Example

{
  "queryId": "202305260001",
  "orderId": "202305250001",
  "transactionId": "T230525999999"
}

Response Parameters

Parameter	Type	Description	Example
orderId	String	Merchant order ID	202305250001
transactionId	String	Platform transaction ID	T230525999999
transactionStatus	Int	Transaction status (see status codes)	10
transactionMessage	String	Transaction message (corresponds to transaction status)	Success
createdTime	String	Order creation time, YYYY-MM-DD HH:MM:SS	2023-05-23 17:27:58
cashInTime	String	Cash-in time, YYYY-MM-DD HH:MM:SS	2023-05-23 17:28:01
senderAmount	Long	Payment amount	10000
serviceFeeAmount	Long	Service fee	5000
beneficiaryName	String	Beneficiary name	FHILEA HERMANUS
beneficiaryAccountNumber	String	Beneficiary account number	628156056051
reason	String	Failure reason, fixed values: LOW_BALANCE, INVALID_BENEFICIARY. If empty, contact support for investigation in case of failure.

Response Example

{
  "status": 1,
  "message": "PROCESSING SUCCESS",
  "data": {
    "orderId": "202305250001",
    "transactionId": "T230525999999",
    "transactionStatus": 10,
    "transactionMessage": "SUCCESS",
    "createdTime": "2023-05-23 17:27:58",
    "cashInTime": "2023-05-23 17:28:01",
    "senderAmount": 10000,
    "serviceFeeAmount": 5000,
    "beneficiaryName": "FHILEA HERMANUS",
    "beneficiaryAccountNumber": "628156056051",
    "reason": ""
  }
}

WARNING

Currently, only individual transaction queries are supported. Please do not query the same order frequently, as the platform limits query requests.

The cashInTime will only have a value after a successful transaction.

Balance Inquiry API

INFO

Purpose: Used to query the merchant account balance.

Request URL: api/balance/query/v1

Request Method: POST

Request Parameters

No request body is required; only relevant information in the request header is needed. Refer to Request Header Information.

Response Parameters

Parameter	Type	Description	Example
amountAvailable	Long	Available balance	66000
preSettledAmount	Long	Amount pending settlement	10000
totalAmount	Long	Total balance = Available + Pending Settlement	76000

Response Example

{
  "status": 1,
  "message": "PROCESSING SUCCESS",
  "data": {
    "amountAvailable": 66000,
    "preSettledAmount": 10000,
    "totalAmount": 76000
  }
}