Finpay

https://docs.finpay.id/
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### Sample Request URL for Check Virtual Account

Source: https://docs.finpay.id/finpay-pg/core-api/virtual-account/open-payment/check-virtual-account

Example GET request URL for the development environment to check a virtual account with the specified sofId and paymentCode.

```text
https://devo.finnet.co.id/pg/payment/card/openpayment/check/vabca/8804483313131312
```

--------------------------------

### GET /snapqrismpm/qr/callback-qris-payment/v1.0/qr/qris/INV0120240402083400009

Source: https://docs.finpay.id/finpay-money/linkage/snap

Example HTTP request for the Show Uri QRCODE endpoint. Includes required header parameters (Accept, Content-Type) and a JSON body with merchant_id, pay_date, amount, sof_id, ref_no, invoice, result_code, result_desc, cust_name, merchantName, feeAmount, rrn, nns_issuer, nns_acquirer, mpan, cpan, and nmid.

```http
GET /snapqrismpm/qr/callback-qris-payment/v1.0/qr/qris/INV0120240402083400009 HTTP/1.1
Host: snapstag.finnet.co.id
Content-Type: application/json
Accept: */*
Content-Length: 462

{
  "merchant_id": "FM2103300001",
  "pay_date": "2024-03-25 17:04:40",
  "amount": 1000,
  "sof_id": "qrdinamis",
  "ref_no": "95oau6MyVNSHqw8WhgbnR0IjifAPQUxt",
  "invoice": "INV0120240402083400009",
  "result_code": "00",
  "result_desc": "Success",
  "cust_name": "REFUND_ACQ_01",
  "merchantName": "juragan_empang",
  "feeAmount": "",
  "rrn": "RNTW-192403-194404730315-20240325",
  "nns_issuer": "93601077",
  "nns_acquirer": "93600777",
  "mpan": "9360077732103300013",
  "cpan": "9360107712345678917",
  "nmid": "TFQA001"
}
```

--------------------------------

### Sample Response for Get Transfer by Reference

Source: https://docs.finpay.id/finpay-wallet-as-a-service/core-api/get-transfer-by-reference

Example JSON response for a successful transfer lookup, showing transfer details and status.

```json
{
  "created": "2020-11-30T02:47:53.061Z",
  "transfer_id": "bd1cc56b-ce7f-4ad7-8901-3eaa689e90eb",
  "source_user_id": "5cafeb170a2b18519b1b8768",
  "destination_user_id": "5f8d0c0603ffe06b7d4d9fcf",
  "status": "SUCCESSFUL",
  "amount": "90000",
  "reference": "Monthly_Transfers_1234"
}
```

--------------------------------

### Sample Response for Get Account API

Source: https://docs.finpay.id/finpay-wallet-as-a-service/core-api/get-account

Example JSON response returned on a successful Get Account request, containing account details such as id, type, email, public_profile, country, and status.

```json
{
 "id": "string",
 "created": "2025-12-08T03:19:10.228Z",
 "updated": "2025-12-08T03:19:10.228Z",
 "type": "OWNED",
 "email": "test@example.co",
 "public_profile": {
  "business_name": "string"
 },
 "country": "ID",
 "status": "REGISTERED"
}

```

--------------------------------

### Sample Response (Success)

Source: https://docs.finpay.id/finpay-wallet-as-a-service/core-api/create-account

Example JSON response returned on successful account creation. Contains id, created, updated, type, email, public_profile, country, and status fields.

```json
{
 "id": "string",
 "created": "2025-12-08T03:19:10.228Z",
 "updated": "2025-12-08T03:19:10.228Z",
 "type": "OWNED",
 "email": "test@example.co",
 "public_profile": {
  "business_name": "string"
 },
 "country": "ID",
 "status": "REGISTERED"
}
```

--------------------------------

### Payment Plan Object JSON Example

Source: https://docs.finpay.id/appendix/json-object/payment-plan-object

Example of a Payment Plan object with a 'term' value of '12', representing a 12-month installment plan. The 'term' field is optional and must be between 1 and 2 characters.

```json
{
    "paymentPlan": {
        "term": "12"
    }
}
```

--------------------------------

### Sample Request JSON

Source: https://docs.finpay.id/finpay-money/linkage/registration/account-creation

Example request body for creating an account, containing partnerReferenceNo, phoneNo, and name.

```json
{
  "partnerReferenceNo": "78912343452347892",
  "phoneNo": "08190123436",
  "name": "Finnet"
}
```

--------------------------------

### Sample Response (Negative) for Get Transfer by Reference

Source: https://docs.finpay.id/finpay-wallet-as-a-service/core-api/get-transfer-by-reference

Example JSON error response when the transfer reference is not found.

```json
{
    "error_code": "DATA_NOT_FOUND",
    "message": "Could not find transfer by reference 00000000000000007. Please try again using valid reference"
}
```

--------------------------------

### Sample Response JSON

Source: https://docs.finpay.id/finpay-money/linkage/registration/account-creation

Example response body with responseCode, responseMessage, and partnerReferenceNo.

```json
{
  "responseCode": "2000600",
  "responseMessage": "Request has been processed successfully",
  "partnerReferenceNo": "78912343452347892"
}
```

--------------------------------

### List Account - Sample Response (JSON)

Source: https://docs.finpay.id/finpay-wallet-as-a-service/core-api/list-account

Example successful response containing account data, pagination flag, and links. The data array includes account details such as id, created, type, email, public_profile, and status.

```json
{
  "data": [
    {
      "id": "123asdasdnj1231wesa",
      "created": "2025-02-01T10:00:00Z",
      "type": "OWNED",
      "email": "kirana@finnet.com",
      "public_profile": {
        "business_name": "PT Satu dua"
      },
      "status": "LIVE"
    },
    {
      "id": "123asdasdnj1231w2s2",
      "created": "2025-03-22T09:15:00Z",
      "type": "OWNED",
      "email": "kirana@finpay.com",
      "public_profile": {
        "business_name": "PT 3 4 5"
      },
      "status": "LIVE"
    }
  ],
  "has_more": true,
  "links": [
    {
      "href": "/v2/accounts?after_id=623ace8270bbddf93816b3g1",
      "rel": "next",
      "method": "GET"
    }
  ]
}
```

--------------------------------

### Inquiry API HTTP Request

Source: https://docs.finpay.id/finpay-disbursement/direct-integration-core-api/inquiry

Example HTTP GET request to the Inquiry endpoint. Uses Basic authentication and requires the destination bank code and account number in the path. The Accept and Content-Type headers are set to text in this example.

```HTTP
GET /pg/payment/card/disbursement/inquiry/{destBankCode}/{destAccNumber} HTTP/1.1
Host: devo.finnet.co.id
Authorization: Basic username:password
Accept: text
Content-Type: text

```

--------------------------------

### Sample Request for Account Inquiry

Source: https://docs.finpay.id/finpay-money/linkage/transfer-to-bank/account-inquiry

HTTP request example showing headers and JSON body for the account inquiry endpoint. Includes authentication headers, signature, and device context.

```http
POST .../v1.0/emoney/bank-account-inquiry HTTP/1.2
Content-type: application/json
Authorization: Bearer gp9HjjEj813Y9JGoqwOeOPWbnt4CUpvIJbU1mMU4a11MNDZ7Sg5u9a"
Authorization-Customer: Bearer fa8sjjEj813Y9JGoqwOeOPWbnt4CUpvIJbU1mMU4a11MNDZ7Sg5u9a"
X-TIMESTAMP: 2020-12-23T08:27:11+07:00
X-SIGNATURE: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5
ORIGIN: www.hostname.com
X-PARTNER-ID: 82150823919040624621823174737537
X-EXTERNAL-ID: 41807553358950093184162180797837
X-IP-ADDRESS: 172.24.281.24
X-DEVICE-ID: 09864ADCASA
X-LATITUDE: -6.108841
X-LONGITUDE: 106.7782137
CHANNEL-ID: 95221
{
  "partnerReferenceNo": "2020102900000000000001",
  "customerNumber": "6281388370001",
  "amount": {
    "value": "10000.00",
    "currency": "IDR"
  },
  "beneficiaryAccountNumber": "8377388292",
  "additionalInfo": {
    " beneficiaryBankCode": "014"
  }
}
```

--------------------------------

### Sample Response (Negative) for Get Account API

Source: https://docs.finpay.id/finpay-wallet-as-a-service/core-api/get-account

Example JSON error response when the account is not found, including error_code and message fields.

```json
{
    "error_code": "DATA_NOT_FOUND",
    "message": "Account with this ID does not exist on your Platform."
}

```

--------------------------------

### Sample Request Headers and Body

Source: https://docs.finpay.id/finpay-wallet-as-a-service/core-api/create-account

Shows the required headers (Content-type, Authorization, accept) and the JSON body for creating an account. The body includes email, type, and public_profile.business_name.

```http
Content-type: application/json 
Authorization: Basic gp9HjjEj813Y9JGoqwOeOPWbnt4CUpvIJbU1mMU4a11MNDZ7Sg5u9a" 
accept: application/json
{
  "email": "kirana@finpay.id",
  "type": "OWNED",
  "public_profile": {
    "business_name": "Owned Business Account"
  }
}
```

--------------------------------

### GET /pg/payment/card/disbursement/bank - 200 Success Response

Source: https://docs.finpay.id/finpay-disbursement/direct-integration-core-api/list-of-bank

Example success response with responseCode 2000000 and a list of supported banks. Each bank includes bankCode and bankName.

```json
{
  "responseCode": "2000000",
  "responseMessage": "Success",
  "bank": [
    {
      "bankCode": "91014",
      "bankName": "BCA"
    },
    {
      "bankCode": "91022",
      "bankName": "CIMB"
    },
    {
      "bankCode": "91009",
      "bankName": "BNI"
    },
    {
      "bankCode": "91426",
      "bankName": "Mega"
    },
    {
      "bankCode": "91013",
      "bankName": "Permata"
    },
    {
      "bankCode": "91028",
      "bankName": "OCBC"
    },
    {
      "bankCode": "91046",
      "bankName": "DBS"
    },
    {
      "bankCode": "92451",
      "bankName": "BSI"
    },
    {
      "bankCode": "91002",
      "bankName": "BRI"
    },
    {
      "bankCode": "92536",
      "bankName": "BCA UUS"
    },
    {
      "bankCode": "91023",
      "bankName": "UOB"
    },
    {
      "bankCode": "91153",
      "bankName": "Sinarmas"
    },
    {
      "bankCode": "92200",
      "bankName": "BTN UUS"
    },
    {
      "bankCode": "91008",
      "bankName": "Mandiri"
    },
    {
      "bankCode": "91200",
      "bankName": "BTN"
    },
    {
      "bankCode": "91031",
      "bankName": "Citibank"
    },
    {
      "bankCode": "91011",
      "bankName": "Danamon"
    },
    {
      "bankCode": "92011",
      "bankName": "Danamon UUS"
    },
    {
      "bankCode": "92013",
      "bankName": "Permata UUS"
    },
    {
      "bankCode": "91212",
      "bankName": "Woori Saudara"
    },
    {
      "bankCode": "91110",
      "bankName": "BPD Jabar Banten"
    },
    {
      "bankCode": "91113",
      "bankName": "Bank Jateng"
    },
    {
      "bankCode": "91157",
      "bankName": "Bank Maspion"
    },
    {
      "bankCode": "91129",
      "bankName": "BPD Bali"
    },
    {
      "bankCode": "91041",
      "bankName": "HSBC"
    },
    {
      "bankCode": "91161",
      "bankName": "Bank Ganesha"
    },
    {
      "bankCode": "91564",
      "bankName": "Bank Mandiri Taspen dhi Bank Sinar Harapan Bali"
    },
    {
      "bankCode": "91132",
      "bankName": "Bank Papua"
    },
    {
      "bankCode": "91523",
      "bankName": "Bank Sahabat Sampoerna"
    },
    {
      "bankCode": "91503",
      "bankName": "Bank National Nobu"
    },
    {
      "bankCode": "91484",
      "bankName": "Bank KEB Hana"
    },
    {
      "bankCode": "90900",
      "bankName": "KSEI"
    },
    {
      "bankCode": "91114",
      "bankName": "Bank Jatim"
    },
    {
      "bankCode": "91548",
      "bankName": "Bank Multi Artha Sentosa"
    },
    {
      "bankCode": "91513",
      "bankName": "Bank Ina Perdana"
    },
    {
      "bankCode": "91019",
      "bankName": "Bank Panin"
    },
    {
      "bankCode": "91567",
      "bankName": "Bank Allo dhi Bank Harda International"
    },
    {
      "bankCode": "91501",
      "bankName": "Bank Digital BCA"
    },
    {
      "bankCode": "92114",
      "bankName": "Bank Jatim UUS"
    },
    {
      "bankCode": "92153",
      "bankName": "Bank Sinarmas UUS"
    },
    {
      "bankCode": "91130",
      "bankName": "Bank NTT"
    },
    {
      "bankCode": "92113",
      "bankName": "Bank Jateng UUS"
    },
    {
      "bankCode": "91151",
      "bankName": "Bank Mestika Dharma"
    },
    {
      "bankCode": "91111",
      "bankName": "Bank DKI"
    },
    {
      "bankCode": "92111",
      "bankName": "Bank DKI UUS"
    },
    {
      "bankCode": "91076",
      "bankName": "Bank Bumi Arta"
    },
    {
      "bankCode": "91037",
      "bankName": "Bank Artha Graha International"
    },
    {
      "bankCode": "92425",
      "bankName": "BPD Jabar Syariah"
    },
    {
      "bankCode": "91494",
      "bankName": "Bank Raya"
    },
    {
      "bankCode": "91542",
      "bankName": "Bank Jago"
    },
    {
      "bankCode": "91119",
      "bankName": "Bank Riau Kepri"
    },
    {
      "bankCode": "91016",
      "bankName": "Bank Maybank Indonesia"
    },
    {
      "bankCode": "91112",
      "bankName": "Bank Pembangunan Daerah DIY"
    },
    {
      "bankCode": "92947",
      "bankName": "Bank Maybank Indonesia UUS"
    },
    {
      "bankCode": "91050",
      "bankName": "Standard Chartered Bank"
    },
    {
      "bankCode": "92147",
      "bankName": "Bank Muamalat Indonesia"
    },
    {
      "bankCode": "91164",
      "bankName": "Bank ICBC Indonesia"
    }
  ]
}
```

--------------------------------

### Sample Response JSON for Upgrade Account Widget

Source: https://docs.finpay.id/finpay-money/linkage/upgrade-account/upgrade-account-widget

Example response body from the upgrade-account-widget endpoint. Contains responseCode, responseMessage, widgetUrl, and expiryTime. The widgetUrl is the URL for the Upgrade Account widget, and expiryTime indicates when the widget expires.

```json
{
  "responseCode": "2000000",
  "responseMessage": "Request has been processed successfully",
  "widgetUrl": "https://demos.finnet.co.id/mob-dev/widget/prem?phone=6281295288912&uuid=04667364-ef55-46c6-9006-8c99388e4cdd",
  "expiryTime": "2024-11-01 14:01:10"
}
```

--------------------------------

### GET /pg/payment/card/disbursement/bank - HTTP Request

Source: https://docs.finpay.id/finpay-disbursement/direct-integration-core-api/list-of-bank

Example HTTP request to retrieve the bank list. Uses the development host devo.finnet.co.id and requires Digital Touch Point Authorization.

```http
GET /pg/payment/card/disbursement/bank HTTP/1.1
Host: devo.finnet.co.id
Accept: */*

```

--------------------------------

### Sample Request JSON for Get Token

Source: https://docs.finpay.id/finpay-money/widget/get-token

Example request body for the getToken endpoint. Requires reqDtime in yyyymmddhh24iiss format (GMT+7), requestType set to 'getToken', a unique transNumber, and a 64-character signature.

```json
{ 
  "reqDtime": "20240821142750", 
  "requestType": "getToken", 
  "transNumber": "TKN212418241627519329", 
  "signature": "C851DDC730549FEAFDFFD486AC11F3BF0C9CE44F0190C7DDC5FFDC622782E91D" 
}
```

--------------------------------

### Sample Response for Shopee Pay Initiation

Source: https://docs.finpay.id/finpay-pg/core-api/e-money/shopee-pay

Example response from the Shopee Pay initiation API, showing success response code, redirect URL, app URL, and expiry link.

```json
{
  "responseCode": "2000000",
  "responseMessage": "Success",
  "redirecturl": "https://wsa.uat.wallet.airpay.co.id/universal-link/wallet/pay?deep_and_deferred=1&token=dFhkbmR1bTBIamhWkwTDbkj1rqyZ2bpUAzcbk2DTFNsV-45fcNQOPN0",
  "appurl": "shopeeid://main?apprl=%2Frn%2FTRANSFER_PAGE%3Fnavigate_url%3Dhttps%253A%252F%252Fwsa.uat.wallet.airpay.co.id%252Fwallet%252Fpay%253Ftoken%253DdFhkbmR1bTBIamhWkwTDbkj1rqyZ2bpUAzcbk2DTFNsV-45fcNQOPN0",
  "imageurl": "",
  "expiryLink": "2023-04-06 13:58:41",
  "paymentCode": "",
  "processingTime": 1.5723111629486084
}
```

--------------------------------

### Sample Request for qr-mpm-decode

Source: https://docs.finpay.id/finpay-money/linkage/qris-mpm/decode

HTTP request example showing required headers and JSON body for the Decode API. Includes authentication tokens, timestamps, and transaction details.

```http
POST .../v1.0/qr/qr-mpm-decode HTTP/1.2
Content-type: application/json
Authorization: Bearer gp9HjjEj813Y9JGoqwOeOPWbnt4CUpvIJbU1mMU4a11MNDZ7Sg5u9a"
Authorization-Customer: Bearer fa8sjjEj813Y9JGoqwOeOPWbnt4CUpvIJbU1mMU4a11MNDZ7Sg5u9a"
X-TIMESTAMP: 2020-12-23T08:27:11+07:00
X-SIGNATURE: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5
ORIGIN: www.hostname.com
X-PARTNER-ID: 82150823919040624621823174737537
X-EXTERNAL-ID: 41807553358950093184162180797837
X-IP-ADDRESS: 172.24.281.24
X-DEVICE-ID: 09864ADCASA
X-LATITUDE: -6.108841
X-LONGITUDE: 106.7782137
CHANNEL-ID: 95221
{
"partnerReferenceNo":"2020102900000000000001",
              "qrContent":"00020101....",
              "amount":{
                             "value":"10000.00",
                             "currency":"IDR"
              },
              "scanTime":"2020-12-23T08:27:11+07:00"
}
```

--------------------------------

### Sample Response JSON for Get Token

Source: https://docs.finpay.id/finpay-money/widget/get-token

Example response from the getToken endpoint. statusCode '000' indicates success, and tokenID is used for accessing other APIs. tokenExpiry is in DD-MMM-YY HH24:MI:SS format.

```json
{ 
  "statusCode": "000", 
  "statusDesc": "Berhasil", 
  "tokenID": "20240821162411771B7219C0DB6E6374075F8E7D28D89AE9F7905E73E01202365345C5A965574D", 
  "tokenExpiry": "24-AUG-24 16:23:30", 
  "processingTime": 0.11939597129821777 
}
```

--------------------------------

### Sample Request JSON

Source: https://docs.finpay.id/finpay-money/linkage/customer-top-up/customer-top-up-status

Example request body for the Customer Top Up Status API, including originalPartnerReferenceNo, originalReferenceNo, and serviceCode.

```json
{
  "originalPartnerReferenceNo": "78912343452347893",
  "originalReferenceNo": "2211150005490937",
  "serviceCode": "38"
}
```

--------------------------------

### URL Object JSON Example

Source: https://docs.finpay.id/appendix/json-object/url-object

Example JSON structure for the URL object with all mandatory fields. The threeDsResponseUrl field is not included in this example, though it is listed in the table as mandatory for direct payment 3DS only.

```json
{
  "url": {
    "backUrl": "https://sandbox.finpay.co.id/simdev/finpay/result/resultfailed.php",
    "successUrl": "https://sandbox.finpay.co.id/simdev/finpay/result/resultsuccess.php",
    "failUrl": "https://sandbox.finpay.co.id/simdev/finpay/result/resultfailed.php",
    "callbackUrl": "https://sandbox.finpay.co.id/simdev/finpay/result/tangkapCurl.php"
  }
}
```

--------------------------------

### Sample Response JSON for Purchase with OTP

Source: https://docs.finpay.id/finpay-pg/core-api/direct-debit/bri/purchase-with-otp

Example 200 OK response from the initiate endpoint. Contains responseCode, responseMessage, referenceNumber, processingTime, and traceId.

```json
{
  "responseCode": "2000000",
  "responseMessage": "Request has been processed successfully",
  "referenceNumber": "0cd45935-3f7f-4de8-8fb6-48bd6f563e66",
  "processingTime": 6.515192985534668,
  "traceId": "0cd45935-3f7f-4de8-8fb6-48bd6f563e66"
}
```

--------------------------------

### Sample Request JSON

Source: https://docs.finpay.id/finpay-wallet-as-a-service/core-api/payout-webhook-finnet-greater-than-partner

Example payout webhook request body with reference_id, channel_code, channel_properties, amount, description, and currency.

```json
{ 
  "reference_id": "myref-1482928194", 
  "channel_code": "91014", 
  "channel_properties": { 
    "account_number": "000000000099", 
    "account_holder_name": "Michael Chen" 
  }, 
  "amount": 10000, 
  "description": "July payout", 
  "currency": "IDR" 
} 
```

--------------------------------

### TransAmount JSON Example

Source: https://docs.finpay.id/appendix/json-object/transamount-object

Example JSON object for TransAmount with currency 'IDR' and value '10000.00'.

```json
{
  "transAmount": {
    "currency": "IDR",
    "value": "10000.00"
  }
}
```

--------------------------------

### QParams Object Example

Source: https://docs.finpay.id/appendix/json-object/qparams-object

Example JSON object for QParams with the action field set to 'otpLinkage'.

```json
{
  "qParams": {
    "action": "otpLinkage"
  }
}
```

--------------------------------

### Sample Request URL

Source: https://docs.finpay.id/finpay-pg/core-api/virtual-account/open-payment/delete-virtual-account

Example URL for deleting a virtual account in the development environment. Replace the path parameters with actual values.

```http
https://devo.finnet.co.id/pg/payment/card/openpayment/delete/vabca/8804483313131312
```

--------------------------------

### Sample Response: Purchase with PIN

Source: https://docs.finpay.id/finpay-pg/core-api/direct-debit/blu-by-bca-digital/purchase-with-pin

Example 200 OK response containing the pinUrl to redirect the customer to for PIN and OTP confirmation. Includes responseCode, responseMessage, processingTime, and traceId.

```json
{
  "responseCode": "2000000",
  "responseMessage": "Request has been processed successfully",
  "pinUrl": "https://{blu-hosted-page}/input-pin/auth-payments?authPaymentId=c03a36ad-8164-4fc3-aeaa-85102936a9e5&accountNumber={blu-account-number}&partner=FINNET&deviceId={device-id}",
  "processingTime": 2.1104049682617188,
  "traceId": "f4bf97f7-b925-4eaa-9d12-22a503569c41"
}
```

--------------------------------

### MinAmount JSON Example

Source: https://docs.finpay.id/appendix/json-object/minamount-object

Example JSON structure for the MinAmount object with value '10000.00' and currency 'IDR'.

```json
{
  "minAmount": {
        "value": "10000.00",
        "currency": "IDR"
  }
}
```

--------------------------------

### Sample Request JSON

Source: https://docs.finpay.id/finpay-money/linkage/upgrade-account/upgrade-account-notification

Example request body for the Upgrade Account Notification service. Contains kycResponse, kycMessage, partnerReferenceNo, phoneNo, and merchantId fields.

```json
{
  "kycResponse": "KYC Rejected",
  "kycMessage": "Your KYC has been rejected because…",
  "partnerReferenceNo": "202411011441000012",
  "phoneNo": "6281295288912",
  "merchantId": "AGREE170724"
}
```
Tokens:
Raw