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Bank Transfer Integration Guide

One of the payment method offered by Faspay is Bank Transfer/Virtual Account. By using this payment method, customers will have the option to make a payment via bank transfer and Faspay will send real time notification when the customer complete the payment.
At this moment, Faspay has integrated with the following bank transfer payment methods:
  1. 1.
    Permata Virtual Account
  2. 2.
    BCA Virtual Account
  3. 3.
    Mandiri Virtual Account
  4. 4.
    Maybank Virtual Account
  5. 5.
    BRI Virtual Account
  6. 6.
    BNI Virtual Account
  7. 7.
    Sinarmas Virtual Account
  8. 8.
    Danamon Virtual Account
  9. 9.
    CIMB Virtual Account
Basic integration process of Bank Transfer/Virtual Account will be explained below.
Integration Step
  1. 1.
    Post Data Transaction to Faspay
  2. 2.
    Display Virtual Account
  3. 3.
    Payment Notification
​

1. Post Data Transaction

Post data transaction should be done from merchant backend, the detail API reference can be find here​
Every Bank Transfer/Virtual Account channel will use the same API request, the different is only on payment_channel value for each Bank Transfer/Virtual Account
This is example of post data transaction for Bank transfer/Virtual Account channel
Permata
BCA
Mandiri
Maybank
BRI
BNI
Sinarmas
Danamon
CIMB
{
"request": "Post Data Transaksi",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222101218",
"bill_reff": "20200324_02-2286704_336",
"bill_date": "2020-12-19 06:04:29",
"bill_expired": "2020-12-19 07:04:29",
"bill_desc": "Payment Online Via Faspay",
"bill_currency": "IDR",
"bill_gross": "100000",
"bill_miscfee": "100000",
"bill_total": "200000",
"cust_no": "01",
"cust_name": "tester",
"payment_channel": "402",
"pay_type": "01",
"msisdn": "8562927907",
"email": "[email protected]",
"terminal": "10",
"billing_address": "Jl Sabang 37",
"billing_address_city": "Jakarta",
"billing_address_region": "DKI Jakarta",
"billing_address_state": "Indonesia",
"billing_address_poscode": "10170",
"billing_address_country_code": "ID",
"receiver_name_for_shipping": "Tompi",
"shipping_address": "Jl. Sabang 37",
"shipping_address_city": "Jakarta",
"shipping_address_region": "DKI Jakarta",
"shipping_address_state": "Indonesia",
"shipping_address_poscode": "10170",
"item": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id":"99999",
"tenor": "00"
},
"reserve1": "",
"reserve2": "",
"signature": "3af2a967a7bf809b651777e376ce81bc20dea249"
}
{
"request": "Post Data Transaksi",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222103305",
"bill_reff": "20200324_02-2286704_336",
"bill_date": "2020-12-19 06:04:29",
"bill_expired": "2020-12-19 07:04:29",
"bill_desc": "Payment Online Via Faspay",
"bill_currency": "IDR",
"bill_gross": "100000",
"bill_miscfee": "100000",
"bill_total": "200000",
"cust_no": "01",
"cust_name": "tester",
"payment_channel": "702",
"pay_type": "01",
"msisdn": "8562927907",
"email": "[email protected]",
"terminal": "10",
"billing_address": "Jl Sabang 37",
"billing_address_city": "Jakarta",
"billing_address_region": "DKI Jakarta",
"billing_address_state": "Indonesia",
"billing_address_poscode": "10170",
"billing_address_country_code": "ID",
"receiver_name_for_shipping": "Tompi",
"shipping_address": "Jl. Sabang 37",
"shipping_address_city": "Jakarta",
"shipping_address_region": "DKI Jakarta",
"shipping_address_state": "Indonesia",
"shipping_address_poscode": "10170",
"item": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id":"99999",
"tenor": "00"
},
"reserve1": "Free Text Payment",
"reserve2": "Free Text Inquiry",
"signature": "312c66286d722742c8feb730954a0eb95b96c5b4"
}
{
"request": "Post Data Transaksi",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222103433",
"bill_reff": "20200324_02-2286704_336",
"bill_date": "2020-12-19 06:04:29",
"bill_expired": "2020-12-19 07:04:29",
"bill_desc": "Payment Online Via Faspay",
"bill_currency": "IDR",
"bill_gross": "100000",
"bill_miscfee": "100000",
"bill_total": "200000",
"cust_no": "01",
"cust_name": "tester",
"payment_channel": "802",
"pay_type": "01",
"msisdn": "8562927907",
"email": "[email protected]",
"terminal": "10",
"billing_address": "Jl Sabang 37",
"billing_address_city": "Jakarta",
"billing_address_region": "DKI Jakarta",
"billing_address_state": "Indonesia",
"billing_address_poscode": "10170",
"billing_address_country_code": "ID",
"receiver_name_for_shipping": "Tompi",
"shipping_address": "Jl. Sabang 37",
"shipping_address_city": "Jakarta",
"shipping_address_region": "DKI Jakarta",
"shipping_address_state": "Indonesia",
"shipping_address_poscode": "10170",
"item": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id":"99999",
"tenor": "00"
},
"reserve1": "",
"reserve2": "",
"signature": "c64206f9af79193123b6b4e4b72a81951aafe4c3"
}
{
"request": "Post Data Transaksi",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222103549",
"bill_reff": "20200324_02-2286704_336",
"bill_date": "2020-12-19 06:04:29",
"bill_expired": "2020-12-19 07:04:29",
"bill_desc": "Payment Online Via Faspay",
"bill_currency": "IDR",
"bill_gross": "100000",
"bill_miscfee": "100000",
"bill_total": "200000",
"cust_no": "01",
"cust_name": "tester",
"payment_channel": "408",
"pay_type": "01",
"msisdn": "8562927907",
"email": "[email protected]",
"terminal": "10",
"billing_address": "Jl Sabang 37",
"billing_address_city": "Jakarta",
"billing_address_region": "DKI Jakarta",
"billing_address_state": "Indonesia",
"billing_address_poscode": "10170",
"billing_address_country_code": "ID",
"receiver_name_for_shipping": "Tompi",
"shipping_address": "Jl. Sabang 37",
"shipping_address_city": "Jakarta",
"shipping_address_region": "DKI Jakarta",
"shipping_address_state": "Indonesia",
"shipping_address_poscode": "10170",
"item": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id":"99999",
"tenor": "00"
},
"reserve1": "",
"reserve2": "",
"signature": "7ad65e5229511e39159211731978c0777ba0665b"
}
{
"request": "Post Data Transaksi",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222104021",
"bill_reff": "20200324_02-2286704_336",
"bill_date": "2020-12-19 06:04:29",
"bill_expired": "2020-12-19 07:04:29",
"bill_desc": "Payment Online Via Faspay",
"bill_currency": "IDR",
"bill_gross": "100000",
"bill_miscfee": "100000",
"bill_total": "200000",
"cust_no": "01",
"cust_name": "tester",
"payment_channel": "800",
"pay_type": "01",
"msisdn": "8562927907",
"email": "[email protected]",
"terminal": "10",
"billing_address": "Jl Sabang 37",
"billing_address_city": "Jakarta",
"billing_address_region": "DKI Jakarta",
"billing_address_state": "Indonesia",
"billing_address_poscode": "10170",
"billing_address_country_code": "ID",
"receiver_name_for_shipping": "Tompi",
"shipping_address": "Jl. Sabang 37",
"shipping_address_city": "Jakarta",
"shipping_address_region": "DKI Jakarta",
"shipping_address_state": "Indonesia",
"shipping_address_poscode": "10170",
"item": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id":"99999",
"tenor": "00"
},
"reserve1": "",
"reserve2": "",
"signature": "972f9dbceffbaf19e5dabcdd3b590532431d905a"
}
{
"request": "Post Data Transaksi",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222104205",
"bill_reff": "20200324_02-2286704_336",
"bill_date": "2020-12-19 06:04:29",
"bill_expired": "2020-12-19 07:04:29",
"bill_desc": "Payment Online Via Faspay",
"bill_currency": "IDR",
"bill_gross": "100000",
"bill_miscfee": "100000",
"bill_total": "200000",
"cust_no": "01",
"cust_name": "tester",
"payment_channel": "801",
"pay_type": "01",
"msisdn": "8562927907",
"email": "[email protected]",
"terminal": "10",
"billing_address": "Jl Sabang 37",
"billing_address_city": "Jakarta",
"billing_address_region": "DKI Jakarta",
"billing_address_state": "Indonesia",
"billing_address_poscode": "10170",
"billing_address_country_code": "ID",
"receiver_name_for_shipping": "Tompi",
"shipping_address": "Jl. Sabang 37",
"shipping_address_city": "Jakarta",
"shipping_address_region": "DKI Jakarta",
"shipping_address_state": "Indonesia",
"shipping_address_poscode": "10170",
"item": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id":"99999",
"tenor": "00"
},
"reserve1": "",
"reserve2": "",
"signature": "fc6804bcb3d86253145c8a35d727b1a5b3727500"
}
{
"request": "Post Data Transaksi",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222104353",
"bill_reff": "20200324_02-2286704_336",
"bill_date": "2020-12-19 06:04:29",
"bill_expired": "2020-12-19 07:04:29",
"bill_desc": "Payment Online Via Faspay",
"bill_currency": "IDR",
"bill_gross": "100000",
"bill_miscfee": "100000",
"bill_total": "200000",
"cust_no": "01",
"cust_name": "tester",
"payment_channel": "818",
"pay_type": "01",
"msisdn": "8562927907",
"email": "[email protected]",
"terminal": "10",
"billing_address": "Jl Sabang 37",
"billing_address_city": "Jakarta",
"billing_address_region": "DKI Jakarta",
"billing_address_state": "Indonesia",
"billing_address_poscode": "10170",
"billing_address_country_code": "ID",
"receiver_name_for_shipping": "Tompi",
"shipping_address": "Jl. Sabang 37",
"shipping_address_city": "Jakarta",
"shipping_address_region": "DKI Jakarta",
"shipping_address_state": "Indonesia",
"shipping_address_poscode": "10170",
"item": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id":"99999",
"tenor": "00"
},
"reserve1": "",
"reserve2": "",
"signature": "131693f2bbb87bca4b73d1df4dfc6e45f626ec96"
}
{
"request": "Post Data Transaksi",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222104527",
"bill_reff": "20200324_02-2286704_336",
"bill_date": "2020-12-19 06:04:29",
"bill_expired": "2020-12-19 07:04:29",
"bill_desc": "Payment Online Via Faspay",
"bill_currency": "IDR",
"bill_gross": "100000",
"bill_miscfee": "100000",
"bill_total": "200000",
"cust_no": "01",
"cust_name": "tester",
"payment_channel": "708",
"pay_type": "01",
"msisdn": "8562927907",
"email": "[email protected]",
"terminal": "10",
"billing_address": "Jl Sabang 37",
"billing_address_city": "Jakarta",
"billing_address_region": "DKI Jakarta",
"billing_address_state": "Indonesia",
"billing_address_poscode": "10170",
"billing_address_country_code": "ID",
"receiver_name_for_shipping": "Tompi",
"shipping_address": "Jl. Sabang 37",
"shipping_address_city": "Jakarta",
"shipping_address_region": "DKI Jakarta",
"shipping_address_state": "Indonesia",
"shipping_address_poscode": "10170",
"item": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id":"99999",
"tenor": "00"
},
"reserve1": "",
"reserve2": "",
"signature": "4265a719713828fb1927653fb33b3edde811798d"
}
{
"request": "Post Data Transaksi",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222104717",
"bill_reff": "20200324_02-2286704_336",
"bill_date": "2020-12-19 06:04:29",
"bill_expired": "2020-12-19 07:04:29",
"bill_desc": "Payment Online Via Faspay",
"bill_currency": "IDR",
"bill_gross": "100000",
"bill_miscfee": "100000",
"bill_total": "200000",
"cust_no": "01",
"cust_name": "tester",
"payment_channel": "825",
"pay_type": "01",
"msisdn": "8562927907",
"email": "[email protected]",
"terminal": "10",
"billing_address": "Jl Sabang 37",
"billing_address_city": "Jakarta",
"billing_address_region": "DKI Jakarta",
"billing_address_state": "Indonesia",
"billing_address_poscode": "10170",
"billing_address_country_code": "ID",
"receiver_name_for_shipping": "Tompi",
"shipping_address": "Jl. Sabang 37",
"shipping_address_city": "Jakarta",
"shipping_address_region": "DKI Jakarta",
"shipping_address_state": "Indonesia",
"shipping_address_poscode": "10170",
"item": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id":"99999",
"tenor": "00"
},
"reserve1": "",
"reserve2": "",
"signature": "789fb3cbd4dd9e6be750647e71add5cd95288f4a"
}
Post Data Transaction response
You will get the post data response like the following
Permata
BCA
Mandiri
Maybank
BRI
BNI
Sinarmas
Danamon
CIMB
{
"response": "Transmisi Info Detil Pembelian",
"trx_id": "7178990000218842",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222103305",
"bill_items": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id": "99999",
"tenor": "00"
},
"response_code": "00",
"response_desc": "Sukses",
"redirect_url": "https://dev.faspay.co.id/pws/100003/0830000010100000/3af2a967a7bf809b651777e376ce81bc20dea249?trx_id=7178990000218842&merchant_id=99999&bill_no=20201222103305"
}
{
"response": "Transmisi Info Detil Pembelian",
"trx_id": "9999970200014480",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222101845",
"bill_items": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id": "-",
"tenor": "00"
},
"response_code": "00",
"response_desc": "Sukses",
"https://dev.faspay.co.id/pws/100003/0830000010100000/312c66286d722742c8feb730954a0eb95b96c5b4?trx_id=9999970200014480&merchant_id=99999&bill_no=20201222101845"
}
{
"response": "Transmisi Info Detil Pembelian",
"trx_id": "8855899000083832",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222103433",
"bill_items": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id": "-",
"tenor": "00"
},
"response_code": "00",
"response_desc": "Sukses",
"redirect_url": "https://dev.faspay.co.id/pws/100003/0830000010100000/c64206f9af79193123b6b4e4b72a81951aafe4c3?trx_id=8855899000083832&merchant_id=99999&bill_no=20201222103433"
}
{
"response": "Transmisi Info Detil Pembelian",
"trx_id": "9999940800004937",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222103549",
"bill_items": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id": "-",
"tenor": "00"
},
"response_code": "00",
"response_desc": "Sukses",
"https://dev.faspay.co.id/pws/100003/0830000010100000/7ad65e5229511e39159211731978c0777ba0665b?trx_id=9999940800004937&merchant_id=99999&bill_no=20201222103549"
}
{
"response": "Transmisi Info Detil Pembelian",
"trx_id": " 99980000000095422",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222104021",
"bill_items": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id": "-",
"tenor": "00"
},
"response_code": "00",
"response_desc": "Sukses",
"redirect_url": "https://dev.faspay.co.id/pws/100003/0830000010100000/972f9dbceffbaf19e5dabcdd3b590532431d905a?trx_id=99980000000095422&merchant_id=99999&bill_no=20201222104021"
}
{
"response": "Transmisi Info Detil Pembelian",
"trx_id": "8514999990399725",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222104205",
"bill_items": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id": "-",
"tenor": "00"
},
"response_code": "00",
"response_desc": "Sukses",
"redirect_url": "https://dev.faspay.co.id/pws/100003/0830000010100000/fc6804bcb3d86253145c8a35d727b1a5b3727500?trx_id=8514999990399725&merchant_id=99999&bill_no=20201222104205"
}
{
"response": "Transmisi Info Detil Pembelian",
"trx_id": " 8854990000100404",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222104353",
"bill_items": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id": "-",
"tenor": "00"
},
"response_code": "00",
"response_desc": "Sukses",
"redirect_url": "https://dev.faspay.co.id/pws/100003/0830000010100000/131693f2bbb87bca4b73d1df4dfc6e45f626ec96?trx_id=8854990000100404&merchant_id=99999&bill_no=20201222104353"
}
{
"response": "Transmisi Info Detil Pembelian",
"trx_id": "9999970800008557",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222104527",
"bill_items": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id": "-",
"tenor": "00"
},
"response_code": "00",
"response_desc": "Sukses",
"redirect_url": "https://dev.faspay.co.id/pws/100003/0830000010100000/4265a719713828fb1927653fb33b3edde811798d?trx_id=9999970800008557&merchant_id=99999&bill_no=20201222104527"
}
{
"response": "Transmisi Info Detil Pembelian",
"trx_id": "9999982500000216",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222104717",
"bill_items": {
"id": "A001",
"product": "Invoice #2286704",
"qty": "1",
"amount": "100000",
"payment_plan": "01",
"merchant_id": "-",
"tenor": "00"
},
"response_code": "00",
"response_desc": "Sukses",
"redirect_url": "https://dev.faspay.co.id/pws/100003/0830000010100000/789fb3cbd4dd9e6be750647e71add5cd95288f4a?trx_id=9999982500000216&merchant_id=99999&bill_no=20201222104717"
}

2. Displaying Virtual Account

To display the virtual account number there's two option
  • Displaying Virtual Account at merchant's webpage
  • Redirect to Faspay page to display Virtual Account, expired time and how to pay instructions. Read the detail API reference here or just simply use redirect_url that retrieved from Post Data Transaction response (for JSON Format).
To display Virtual Account at merchant's webpage use the trx_id respon from Post Data Transaction as Virtual Account number
Don't forget to display the expired time and how to pay instructions too.

3. Payment Notification

Payment notification from Faspay to Merchant backend will also be triggered on event of transacion status getting updated, to ensure merchant is securely informed. Please provide the URL and make sure it's already register on Faspay system
The detail API reference can be find here
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Last modified 2yr ago