{"id":2584,"date":"2025-05-12T14:16:30","date_gmt":"2025-05-12T06:16:30","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2584"},"modified":"2025-05-12T14:16:30","modified_gmt":"2025-05-12T06:16:30","slug":"%e5%a6%82%e4%bd%95%e5%af%b9%e6%8e%a5%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98api%ef%bc%9f%e5%bc%80%e5%8f%91%e8%80%85%e5%ae%9e%e6%88%98%e6%95%99%e7%a8%8b","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/12\/%e5%a6%82%e4%bd%95%e5%af%b9%e6%8e%a5%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98api%ef%bc%9f%e5%bc%80%e5%8f%91%e8%80%85%e5%ae%9e%e6%88%98%e6%95%99%e7%a8%8b\/","title":{"rendered":"How to interface with Indonesia Payment API?"},"content":{"rendered":"<h1>How to interface with Indonesia Payment API?<\/h1>\n<h2>I. Overview of the Indonesian payments market<\/h2>\n<p>Indonesia, the largest digital economy in Southeast Asia, has seen explosive growth in its e-payment market in recent years. According to the latest data, Indonesia's digital payment transactions are expected to reach $400 billion by 2025. For companies wishing to enter the Indonesian market, it is crucial to understand and access the mainstream local payment methods.<\/p>\n<p>Popular local Indonesian payment methods include:<\/p>\n<ul>\n<li><strong>bank transfer<\/strong>: Real-time transfers offered by major banks such as Mandiri, BCA, BNI, etc.<\/li>\n<li><strong>electronic wallet (e.g. for money)<\/strong>: OVO, DANA, LinkAja, etc. dominate the scene<\/li>\n<li><strong>Convenience Store Payment<\/strong>: The two major convenience store chains, Indomaret and Alfamart, have extensive coverage<\/li>\n<li><strong>virtual account<\/strong>: the preferred collection method for many e-commerce platforms<\/li>\n<\/ul>\n<h2>II. Preliminary preparatory work<\/h2>\n<h3>1. Entity of incorporation and compliance requirements<\/h3>\n<p>Before docking any Indonesian payment API, you need to make sure:<\/p>\n<ul>\n<li>Completed company registration in Indonesia (PT PMA or local company)<\/li>\n<li>Obtaining relevant financial licences issued by the Central Bank (OJK) (depending on the type of business)<\/li>\n<li>PCI DSS Compliance Certification (required for processing credit card transactions)<\/li>\n<\/ul>\n<h3>2. API documentation access<\/h3>\n<p>Mainstream Indonesian payment providers provide good developer documentation:<\/p>\n<pre><code>Official developer portal example:<br>\r\n- Xendit: developer.xendit.co <br>\r\n- Doku: doku.com\/developer <br>\r\n- Midtrans: docs.midtrans.com<br>\r\n<\/code><\/pre>\n<p>It is recommended that you first read the API reference documentation and technical specification documents in their entirety.<\/p>\n<h2>III. Detailed steps for technology docking<\/h2>\n<h3>Step1: API Authentication Configuration<\/h3>\n<p>Most Indonesian payment gateways use OAuth 2.0 or Basic Auth authentication:<\/p>\n<pre><code class=\"language-python\"># Python Example - Xendit API Authentication<br>\r\nimport requests<br>\r\n<br>\r\napi_key = \"your_live_secret_key\"<br>\r\nheaders = {<br>\r\n    \"Authorization\": f \"Basic {api_key}\",<br>\r\n    \"Content-Type\": \"application\/json\"<br>\r\n}<br>\r\n<br>\r\nresponse = requests.get(<br>\r\n    \"https:\/\/api.xendit.co\/available_virtual_account_banks\", <br>\r\n    headers=headers)<br>\r\n<\/code><\/pre>\n<p>Important Safety Tip:<br \/>\n\u2714\ufe0f Never expose API keys on the front end!<br \/>\n\u2714\ufe0f Managing Sensitive Information Using Environment Variables<br \/>\n\u2714\ufe0f Regular rotation of access vouchers<\/p>\n<h3>Step2: Webhook Setup Guide<\/h3>\n<p>Correctly handling asynchronous notifications is a core aspect:<\/p>\n<pre><code class=\"language-java\">\/\/ Java Spring Boot Sample - Midtrans Notification Handling<br>\r\n@PostMapping(\"\/payment-notification\")<br>\r\npublic ResponseEntity handleNotification(<br>\r\n    @RequestBody NotificationPayload payload, @RequestBody<br>\r\n    @RequestHeader(\"X-Signature\") String signature) {<br>\r\n    <br>\r\n    \/\/ 1. Verify the validity of the signature <br>\r\n    if(!SignatureTool.verify(payload, signature, merchantKey)){<br>\r\n        return ResponseEntity.status(403).build();<br>\r\n    }<br>\r\n    <br>\r\n    \/\/ 2. Handle business logic...<br>\r\n}<br>\r\n<\/code><\/pre>\n<p>The validation mechanisms that must be implemented include:<br \/>\n\u2705 HMAC-SHA256 signature verification<br \/>\n\u2705 IP whitelist filtering (common gateway IPs need to be pre-configured)<br \/>\n\u2705 Idempotency processing (to prevent duplicate notifications leading to multiple billings)<\/p>\n<h2>Step3: SDK Integration Best Practices<\/h2>\n<p>It is recommended to give priority to using the official SDK to improve development efficiency:<\/p>\n<p>Node.js Integration with Midtrans Example.<\/p>\n<pre><code class=\"language-javascript\">const midtransClient = require('midtrans-client');<br>\r\n<br>\r\nlet snap = new midtransClient.Snap({<br>\r\n   isProduction : false,<br>\r\n   serverKey : 'YOUR_SERVER_KEY',<br>\r\n   clientKey : 'YOUR_CLIENT_KEY'<br>\r\n});<br>\r\n<br>\r\nsnap.createTransaction(parameter)<br>\r\n   .then((transaction)=&gt;{<br>\r\n      console.log(transaction);<br>\r\n   })<br>\r\n<\/code><\/pre>\n<p>The address for obtaining SDGs in each language is usually located at.<\/p>\n<pre><code>\/docs\/sdk | \/developer-tools | \/integration-libraries <br>\r\n<\/code><\/pre>\n<h2>Step4: QRIS Harmonised Standard Access<\/h2>\n<p>Starting in 2023, all merchants must support the QRIS interoperability standard:<\/p>\n<p>Example of a call parameter.<\/p>\n<pre><code class=\"language-jsonc\">{<br>\r\n    \"qr_type\": \"dynamic\",<br>\r\n    \"amount\":150,000.<br>\r\n    \"merchant_city\": \"Jakarta\".<br>\r\n    \"seller_name\": \"YourStoreID\"<br>\r\n}<br>\r\n<\/code><\/pre>\n<p>Response Result Parsing Focus Fields.<\/p>\n<pre><code>- qr_string \u2192 Base64 encoded QR code image data  <br>\r\n- expiration_time \u2192 UTC format expiration time stamp   <br>\r\n- transaction_id \u2192 unique identifier for subsequent queries   <br>\r\n<\/code><\/pre>\n<p>Fourth, the whole process of testing and on-line<\/p>\n<p>1\ufe0f\u20e3 Sandbox Environment Test Points.<\/p>\n<table>\n<thead>\n<tr>\n<th>test scenario<\/th>\n<th>Expected results<\/th>\n<th>Tool Recommendations<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Amount Boundary Value<\/td>\n<td>-Minimum 0.01 IDR<br \/>-Maximum 1 billion IDRs successfully processed<\/td>\n<td>Postman<br \/>Newman<\/td>\n<\/tr>\n<tr>\n<td>Concurrent requests<\/td>\n<td>&lt;500ms response time<br \/>No data competition issues<\/td>\n<td>JMeter<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>2\ufe0f\u20e3 Production Environment Checklist.<\/p>\n<p>\u2611\ufe0f SSL certificate valid and TLS version 1.3+<br \/>\n\u2611\ufe0f Failover mechanism deployed (minimum dual AZ architecture recommended)<br \/>\n\u2611\ufe0f BI mandated daily reconciliation statement functionality verified<\/p>\n<p>V. Quick checklist of common error codes<\/p>\n<p>Prioritise these high-frequency errors when encountering problems.<\/p>\n<table>\n<thead>\n<tr>\n<th>HTTP status code<\/th>\n<th>Analysis of causes<\/th>\n<th>prescription<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>402 PAYMENT_REQUIRED<\/td>\n<td>Insufficient balance\/overspending of limits<\/td>\n<td>Contact acquirer to adjust limits<\/td>\n<\/tr>\n<tr>\n<td>409 CONFLICT<\/td>\n<td>Duplicate Order Number (idempotency-key duplicate)<\/td>\n<td>Generate a new UUID as a request identifier<\/td>\n<\/tr>\n<tr>\n<td>451 UNAVAILABLE_FOR_LEGAL_REASONS BPJSTK\/KYC incomplete Submission of complete tax registration certificate<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>VI. Performance Optimisation Recommendations<\/p>\n<p>Special considerations for high traffic scenarios.<\/p>\n<p>\u25b8 Bulk query interface instead of a single request (e.g., using the<code>\/batch_status?reference_ids=id1,id2<\/code>)<br \/>\n\u25b8 Enable long connection hold (Keep-Alive timeout \u2265 60s recommended)<br \/>\n\u25b8 Local caching of static data (TTL set to 24h+ for bank list rate tables etc.)<\/p>\n<p>VII. Expanding learning resources<\/p>\n<p>Advanced developers can delve into.<br \/>\n\u2192 Bank Indonesia Payment System Regulation No21\/2019 Original Regulation<br \/>\n\u2192 ISO 20022 message standard in clearing systems<br \/>\n\u2192 Technical implementation of the Tokenisation scheme to reduce PCI audit coverage<\/p>\n<p> VIII. Indonesia Payment API Advanced Function Development<\/p>\n<p> 1. Phased programme of payments<\/p>\n<p>Indonesian e-commerce platforms generally support instalment payments (Cicilan), technical implementation points:<\/p>\n<p>\"`php<br \/>\n\/\/ PHP Example - Akulaku Staging Interface Calls<br \/>\n$client = new \\GuzzleHttp\\Client();<br \/>\n$response = $client-&gt;post('https:\/\/api.akulaku.com\/v2\/installment', [<br \/>\n    'headers' =&gt; [<br \/>\n        'X-Api-Key' =&gt; env('AKULAKU_KEY'),<br \/>\n        'Accept' =&gt; 'application\/json'<br \/>\n    ],<br \/>\n    'json' =&gt; [<br \/>\n        'order_id' =&gt; uniqid(),<br \/>\n        'amount' =&gt; 5000000,<br \/>\n        'tenor_options' =&gt; [3,6,12], \/\/optional number of instalment months<br \/>\n        'customer_phone' =&gt; '+62812XXXXXXXXX'<br \/>\n    ]<br \/>\n]);<\/p>\n<p>\/\/ Parsing the returned staging options<br \/>\n$plans = json_decode($response-&gt;getBody())-&gt;available_plans;<br \/>\n&#8220;`<\/p>\n<p>Description of key parameters:<br \/>\n- tenor_options: must contain the number of periods supported by the bank (usually 3\/6\/12 for BCA)<br \/>\n- merchant_fee: need to clearly show the interest charges borne by the merchant or paid by the user<\/p>\n<p> 2. Deep integration of the DANA e-wallet<\/p>\n<p>DANA API Special Requests Handling Process:<\/p>\n<p>\"`javascript<br \/>\n\/\/ Node.js DANA OAuth2.0 Authorisation Example<br \/>\nconst crypto = require('crypto');<\/p>\n<p>function generateDanaSignature(payload, secret) {<br \/>\n  return crypto.createHmac('sha256', secret)<br \/>\n              .update(JSON.stringify(payload))<br \/>\n              .digest('hex').<br \/>\n}<\/p>\n<p>const authPayload = {<br \/>\n  grant_type: \"client_credentials\",<br \/>\n  client_id: \"YOUR_DANA_MERCHANT_ID\",<br \/>\n  timestamp: new Date().toISOString()<br \/>\n};<\/p>\n<p>const signature = generateDanaSignature(authPayload, \"YOUR_SECRET\");<br \/>\n&#8220;`<\/p>\n<p>Special attention:<br \/>\n- Timestamp should be accurate to the millisecond level and the time difference with the server should not exceed 5 minutes.<br \/>\n- redirect_url must use HTTPS and the domain name has been filed in DANA merchant backend  <\/p>\n<p> IX. Localised Compliance Enhancement Strategy<\/p>\n<p> 1. BPJS Kesehatan social security automatic deduction<\/p>\n<p>Technical specifications for interfacing with government health insurance systems:<\/p>\n<p>|FieldName|Type|ValidationRules|<br \/>\n|&#8212;|&#8212;|&#8212;|<br \/>\n|bpjs_number|string|13 digits + 1 check digit|<br \/>\n|payment_month|date_format `YYYYY-MM` cannot be later than the current month|<\/p>\n<p>Example of a request message:<br \/>\n\"`xml<br \/>\n<soapenv:envelope xmlns:soapenv=\"http:\/\/schemas.xmlsoap.org\/soap\/envelope\/\" ><br \/>\n   <soapenv:header><br \/>\n      <wsse:security>&#8230;<\/wsse:security><br \/>\n   <\/soapenv:header><br \/>\n   <soapenv:body><br \/>\n      <bpjs:deductrequest><br \/>\n         <member_id>0001234567890<\/member_id><br \/>\n         <amount>150000<\/amount><br \/>\n      <\/bpjs:deductrequest><br \/>\n   <\/soapenv:body><br \/>\n<\/soapenv.Envelope><\/p>\n<p>&#8220;`<br \/>\nImportant: This interface is only available to payment institutions with a PJPAB licence.<\/p>\n<p> 2. Value added tax (VAT) calculation in real time<\/p>\n<p>Different tax rates are automatically applied based on the commodity category:<\/p>\n<p>\"`java<br \/>\npublic class IndoVatCalculator {<\/p>\n<p>    private static final Map<String, BigDecimal> VAT_RATES = Map.of(<br \/>\n       \"basic_needs\", new BigDecimal(\"0\"), \/\/basic food exemptions<br \/>\n       \"premium_goods\", new BigDecimal(\"11\"), \/\/new tax rate for 2024<br \/>\n       \"digital_services\", new BigDecimal(\"11\")<br \/>\n    );<\/p>\n<p>    public Invoice calculate(Order order) {<br \/>\n       BigDecimal rate = VAT_RATES.get(order.getGoodsType());<br \/>\n       return new Invoice(<br \/>\n          order.getAmount(),<br \/>\n          order.getAmount().multiply(rate).divide(100)<br \/>\n       );<br \/>\n} }<br \/>\n&#8220;`<\/p>\n<p>Tax Rule Notes:<br \/>\n\u2192Additional 10%-40% surtax will be levied on Luxury Goods.<br \/>\n\u2192 Application of Reverse Taxation Mechanism (RCM) to Cross-Border Digital Services<\/p>\n<p> X. Monitoring and Disaster Recovery Monitoring and disaster recovery programme design<\/p>\n<p>A list of monitoring metrics recommended for deployment:<\/p>\n<p>*Prometheus configuration fragment*<br \/>\n&#8220;`<br \/>\nscrape_configs.<br \/>\n - job_name:'indonesia_payment'<br \/>\n   metrics_path:'\/actuator\/prometheus'<br \/>\n   static_configs.<br \/>\n     targets:['gateway-service']<\/p>\n<p>rule_files.<br \/>\n - rules\/payment_alerts.yml # predefined rules include.<br \/>\n                           #api_error_rate &gt;5%<br \/>\n                           #settlement_delay &gt;4h<br \/>\n&#8220;`<\/p>\n<p>Recommended for multi-live architectures:<br \/>\n&#8220;`<br \/>\nDual Deployment Jakarta Main Centre + Batam Disaster Recovery Centre<br \/>\n\u21d2 MySQL Group Replication Keeping Data in Sync<br \/>\n\u21d2 AWS Global Accelerator Enables Intelligent Route Switching  <\/p>\n<p>A failover is automatically triggered when the following conditions are detected:<br \/>\n\u2716 BCA bank channel consecutive failures exceed thresholds<br \/>\n\u2716 Telkomsel backbone latency &gt;800ms for more than 15 minutes   <\/p>\n<p>XI. Developer Frequently Asked Questions FAQ <\/p>\n<p>Q1:Why is the status of my demo account not updated after receiving payment?<br \/>\n\u25ba99% because DOKU's POST notification was not handled correctly, check that the Content-Type should be `application\/x-www-form-urlencoded`.<\/p>\n<p>Q2:How to get Corporate ID of BCA Bank?<br \/>\n\u25baThe SKDP company registration documents need to be submitted to BCA, the approval cycle is usually 7 working days  <\/p>\n<p>Q3:How to solve the error \"USER_BLOCKED\" in OVO payment?<br \/>\n\u25baIndicates end-user account abnormality, directs customer to contact OVO customer service hotline 1500965  <\/p>\n<p>XII. Notes on Version Upgrade <\/p>\n<p>2024 Major Change Alert:<br \/>\n\u25c9 QRIS standard upgraded to v2.1 (old version to be discontinued in June)<br \/>\n\u25c9 BI mandates UAIC unique audit identifier for all transactions<br \/>\n\u25c9 GoPay to gradually migrate to LinkAja unified platform    <\/p>\n<p>It is recommended to subscribe to each payment provider's technical announcement mailing list to get timely updates on what is happening. By following the systematic approach of this guide, developers can efficiently complete the integration of the Indonesian payment ecosystem.<\/p>","protected":false},"excerpt":{"rendered":"<p>How to dock Indonesia Payment API?Developer Hands-on Tutorial I. 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