How to integrate Indonesia Payment Service with PHP?

使用PHP集成印尼支付服务指南

在印尼市场，有多种流行的本地支付方式可供选择。以下是使用PHP集成这些服务的步骤和注意事项：

主要印尼支付选项

  1. OVO
  2. DANA
  3. LinkAja
  4. GoPay (现为GoTo Financial)
  5. bank transfer (Mandiri, BCA, BRI等)
  6. Convenience Store Payments (Alfamart, Indomaret)

通用集成步骤

1. 选择支付网关提供商

考虑以下服务商：

  • Midtrans (最受欢迎)
  • Xendit
  • Doku
  • iPay88

2. PHP集成示例(Midtrans为例)

// 安装Midtrans PHP库: composer require midtrans/midtrans-php



require_once(dirname(__FILE__) . '/vendor/autoload.php');



// Set your Merchant Server Key

\Midtrans\Config::$serverKey = 'YOUR_SERVER_KEY';

// Set to Development/Sandbox Environment (default). Set to true for Production Environment.

\Midtrans\Config::$isProduction = false;

// Enable sanitization

\Midtrans\Config::$isSanitized = true;

// Enable idempotency-key to prevent duplicate transaction 

\Midtrans\Config::$isIdempotencyKeyEnabled = true;



$params = [

    'transaction_details' => [

        'order_id' => rand(),

        'gross_amount' => 100000,

    ],

    'payment_type' => 'gopay', // or other payment methods like bank_transfer, ewallet etc.

    'customer_details' => [

        'first_name' => "John",

        'last_name' => "Doe",

        'email' => "[email protected]",

        // Indonesian phone number format required (+62)

        // Example: +6281234567890 - remove the first zero from mobile number and add +62 prefix 

        // Important for OTP verification on some payment methods like GoPay/DANA/etc.

        //

API调用示例(Xendit)

$ch = curl_init();



curl_setopt($ch, CURLOPT_URL, "https://api.xendit.co/v2/invoices");

curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);

curl_setopt($ch, CURLOPT_HEADER, FALSE);



curl_setopt($ch,CURLOPT_POSTFIELDS,'{

   "external_id": "demo_147580196270",  

   "amount":10000,

   "description":"Invoice Demo #123",  

   /* For Indonesian payments */

   /* For OVO */  

   /*"payer_email":"[email protected]",*/

   

});



/* Add headers */  



/* Execute request */



/* Handle response */

Webhook处理(以Xendit为例)



if($_SERVER['REQUEST_METHOD'] === POST){  



 $callbackToken= $_SERVER['HTTP_X_CALLBACK_TOKEN'];  

 if ($callbackToken !== YOUR_CALLBACK_TOKEN){    

     http_response_code(403); exit(); }    



 $json= file_get_contents('php://input');     

 $data= json_decode($json);      



 switch ($data->status) {       

     case PAID: processPaidInvoice(); break;        

     case EXPIRED: handleExpiredPayment(); break;      

 }   



} else { http_response_code(405); }

Laravel Package Recommendations

对于Laravel开发者：

composer require veritrans/veritrans-laravel # MidTrans官方包   

composer require xendit/xendit-laravel # XendIT官方包

或者通用的Guzzle HTTP客户端实现。

希望这个指南对您有所帮助！根据您的具体业务需求选择合适的支付方式和API提供商。

继续PHP集成印尼支付服务指南

3. 处理不同支付方式的特殊要求

OVO支付集成

// Midtrans中的OVO设置示例

$params = [

    'payment_type' => 'ewallet',

    'ewallet' => [

        'channel_code' => 'ovo', // OVO的渠道代码

        'channel_properties' => [

            // 必须使用印尼手机号格式(+628...)

            // 注意: +62替换0，如08123456789 → +628123456789

            'mobile_number' => '+6281234567890'

        ]

    ],

    // ...其他交易参数...

];



try {

    $response = \Midtrans\CoreApi::charge($params);

} catch (\Exception $e) {

    echo $e->getMessage();

}

DANA支付集成注意事项

  1. 需要商户注册：需先在DANA商户平台注册获取API密钥
  2. 回调验证：必须实现DANA的回调URL以验证付款状态
// DANA回调处理示例(简化版)

if ($_SERVER['REQUEST_METHOD'] === 'POST') {

    $rawData = file_get_contents('php://input');

    

    if (!empty($rawData)) {

        try {

            require_once('dana_sdk.php'); // DANA官方SDK

            

            $danaClient = new DanaClient([

                'clientId' => YOUR_CLIENT_ID,

                'secretKey' => YOUR_SECRET_KEY,

                // ...

            ]);

            

            if ($danaClient->validateCallback($rawData)) { 

                http_response_code(200);

                

                /* 

                 * 业务逻辑:

                 * :: - Update order status to paid 

                 * - 发货或提供服务等后续操作  

                 */

                

             } else { throw new Exception("Invalid callback signature"); }

             

         } catch (Exception $e) { error_log($e); http_response_code(400); }

     }

}

GoPay/GoTo Financial的特殊配置

由于GoPay现在属于GoTo生态系统:

  1. sandbox testing:

    \Midtrans\Config::$isProduction = false;   
    
\Midtrans\Config::$serverKey = "SB-Mid-server-...";

  2. 生产环境:

    \Midtrans\Config::$isProduction = true;    
    
/* GoPay可能需要额外资质审核 */

  3. 用户手机号格式(重要): PHP预处理函数示例:

function formatIndonesianPhone(string $phone): string     

{       

     /*      

      * Convert local formats like:      

      * - "08123456789" → "+628123456789"      

      */       

     return preg_replace('/^0/', '+62', ltrim($phone));     

}      



$customerPhone= formatIndonesianPhone($_POST['phone']);    



/* Then use in payment params */        

$params['customer_details']['phone']= validatedNumber;

Alfamart/Indomaret便利店支付

适用于无银行账户的用户群体。核心流程是生成付款码→用户线下扫码完成交易。

// Midtrans便利店支付请求示例片段    



$convenienceStoreParams= [       

     "store"=> "alfamart", // or indomaret         

];        



$response= \Midtrans\CoreApi::charge([          

     ...常规订单参数...,          

     "payment_type"=>"cstore",          

     "cstore"=> convenienceStoreParams,           

]);         



/* Response将包含供打印的付款码和过期时间*/        

echo json_encode([         

     payment_code=> response->payment_code,         

]);

接下来您可能想了解：

  • Webhook安全验证的最佳实践（签名校验等）
  • Laravel特定框架下的优雅实现方式（Service Provider设计）
  • Rupiah货币格式化与小数位处理的PHP技巧