Internet Banking integration Guide

One of the payment method offered by Faspay is Internet Banking. By using this payment method, customers will have the option to make a payment via bank website and Faspay will send real-time notifications when the customer completes the payment.

At this moment, Faspay has integrated some Internet Banking payment methods:

1. BRI e-Pay

2. BCA KlikPay

3. Danamon Online Banking

4. Octo Clicks

5. PermataNet

The basic integration process of Internet Banking will be explained below.

Integration Step

1. Post Data Transaction to Faspay

2. Redirect customer to bank's website

3. Callback/Return URL

4. Payment Notification

1. Post Data Transaction

Post-data transactions should be done from the merchant backend, the detailed API reference can be found Here

Every Internet Banking will use the same API request, the difference is only on payment_channel value for each Internet Banking

This is an example of post data transaction for an Internet Banking channel

BRI e-Pay

{
   "request": "Post Data Transaction",
   "merchant_id": "99999",
   "merchant": "Sophia Store",
   "bill_no": "20201222104914",
   "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": "John Doe",
   "payment_channel": "401",
   "pay_type": "01",
   "msisdn": "8562927907",
   "email": "[e-mail]",
   "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": "John Doe",
   "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": "a307a911aa116014dd33c181042605731f89b2d2"
}

BCA KlikPay

{
   "request": "Post Data Transaction",
   "merchant_id": "99999",
   "merchant": "Sophia Store",
   "bill_no": "20201222105144",
   "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": "John Doe",
   "payment_channel": "405",
   "pay_type": "01",
   "msisdn": "8562927907",
   "email": "[e-mail]",
   "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": "John Doe",
   "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": "b6c7661df066cdd8414088cabf2c641810e7417d"
}

Danamon Online Banking

{
   "request": "Post Data Transaction",
   "merchant_id": "99999",
   "merchant": "Sophia Store",
   "bill_no": "20201222112224",
   "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": "John Doe",
   "payment_channel": "701",
   "pay_type": "01",
   "msisdn": "8562927907",
   "email": "[e-mail]",
   "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": "John Doe",
   "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": "e827183f9446565a4b77d4490bb931c811b71821"
}

Octo Clicks

{
   "request": "Post Data Transaction",
   "merchant_id": "99999",
   "merchant": "Sophia Store",
   "bill_no": "20201222112952",
   "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": "John Doe",
   "payment_channel": "700",
   "pay_type": "01",
   "msisdn": "8562927907",
   "email": "[e-mail]",
   "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": "John Doe",
   "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": "acbaace6a54eb83958e245e03e46a1e43df9f33f"
}

PermataNet

{
   "request": "Post Data Transaction",
   "merchant_id": "99999",
   "merchant": "Sophia Store",
   "bill_no": "20201222113344",
   "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": "John Doe",
   "payment_channel": "402",
   "pay_type": "01",
   "msisdn": "8562927907",
   "email": "[e-mail]",
   "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": "John Doe",
   "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": "2426558097a5f09256f5cc2ec9be94028e7f8b4d"
}

Post Data Transaction Response

You will get a post data response like the below:

BRI e-Pay

{
   "response": "Transmission of Purchase Detail Info",
   "trx_id": "9999940100004234",
   "merchant_id": "99999",
   "merchant": "Sophia Store",
   "bill_no": "20201222104914",
   "bill_items": {
      "id": "A001",
      "product": "Invoice #2286704",
      "qty": "1",
      "amount": "100000",
      "payment_plan": "01",
      "merchant_id": "99999",
      "tenor": "00"
   },
   "response_code": "00",
   "response_desc": "Success",
   "redirect_url" : "https://dev.faspay.co.id/pws/100003/0830000010100000/a307a911aa116014dd33c181042605731f89b2d2?trx_id=9999940100004234&merchant_id=99999&bill_no=20201222104914"
}

BCA KlikPay

{
   "response": "Transmission of Purchase Detail Info",
   "trx_id": "9999940511118742",
   "merchant_id": "99999",
   "merchant": "Sophia Store",
   "bill_no": "20201222105144",
   "bill_items": {
      "id": "A001",
      "product": "Invoice #2286704",
      "qty": "1",
      "amount": "100000",
      "payment_plan": "01",
      "merchant_id": "99999",
      "tenor": "00"
   },
   "response_code": "00",
   "response_desc": "Success",
   "redirect_url" : "https://dev.faspay.co.id/pws/100003/0830000010100000/b6c7661df066cdd8414088cabf2c641810e7417d?trx_id=9999940511118742&merchant_id=99999&bill_no=20201222105144"
}

Danamon Online Banking

{
   "response": "Transmission of Purchase Detail Info",
   "trx_id": "9999970100004879",
   "merchant_id": "99999",
   "merchant": "Sophia Store",
   "bill_no": "20201222112224",
   "bill_items": {
      "id": "A001",
      "product": "Invoice #2286704",
      "qty": "1",
      "amount": "100000",
      "payment_plan": "01",
      "merchant_id": "99999",
      "tenor": "00"
   },
   "response_code": "00",
   "response_desc": "Success",
   "redirect_url" : "https://dev.faspay.co.id/pws/100003/0830000010100000/e827183f9446565a4b77d4490bb931c811b71821?trx_id=9999970100004879&merchant_id=99999&bill_no=20201222112224"
}

Octo Clicks

{
   "response": "Transmission of Purchase Detail Info",
   "trx_id": "9999970056662287",
   "merchant_id": "99999",
   "merchant": "Sophia Store",
   "bill_no": "20201222112952",
   "bill_items": {
      "id": "A001",
      "product": "Invoice #2286704",
      "qty": "1",
      "amount": "100000",
      "payment_plan": "01",
      "merchant_id": "99999",
      "tenor": "00"
   },
   "response_code": "00",
   "response_desc": "Success",
   "redirect_url" : "https://dev.faspay.co.id/pws/100003/0830000010100000/acbaace6a54eb83958e245e03e46a1e43df9f33f?trx_id=9999970056662287&merchant_id=99999&bill_no=20201222112952"
}

PermataNet

{
   "response": "Transmission of Purchase Detail Info",
   "trx_id": "7178990000218859",
   "merchant_id": "99999",
   "merchant": "Sophia Store",
   "bill_no": "20201222113344",
   "bill_items": {
      "id": "A001",
      "product": "Invoice #2286704",
      "qty": "1",
      "amount": "100000",
      "payment_plan": "01",
      "merchant_id": "99999",
      "tenor": "00"
   },
   "response_code": "00",
   "response_desc": "Success",
   "redirect_url" : "https://dev.faspay.co.id/pws/100003/0830000010100000/2426558097a5f09256f5cc2ec9be94028e7f8b4d?trx_id=7178990000218859&merchant_id=99999&bill_no=20201222113344"
}

2. Redirect the customer to the bank's website

To redirect customers to the Bank's Website, use redirect_url that retrieved from Post-Data Transaction response (JSON Format) or follow the detailed API reference Here

Exception for PermataNet channel, please use the detail below:

Environment	URL Endpoint
Development	https://debit-sandbox.faspay.co.id/permatanet/payment

Request Parameter

Parameter	Type	M/O/C	Description
va_number	Numeric	Mandatory	trx_id respon from post data transaction
amount	Numeric	Mandatory	total amount transaction

Sample Request

<?php

$va_number='8985999000012039'; //ini ambil dari respon trx_uid post data transaction
$amount='10000.00';	  

$url='https://dev.faspay.co.id/permatanet/payment';
	 
	 
	$post = array(                           
                  "va_number"=>$va_number,
		  "amount"=>$amount  
                 );
	  
$string = '<form method="post" name="form" action="'.$url.'">';
if ($post != null) {
         foreach ($post as $name=>$value) {
	 $string .= '<input type="hidden" name="'.$name.'" value="'.$value.'">';
	}
}


$string .= '</form>';
$string .= '<script> document.form.submit();</script>';

echo $string;
exit;

?>

3. Callback/Return URL

After the customer completes the payment via the bank's website, the website automatically redirects the customer to the Callback/Return URL. Please provide the URL and make sure it's already registered on Faspay system. For detailed reference will be found Here

4. Payment Notification

Payment notification from Faspay to the Merchant backend will also be triggered in the event of transaction status being updated to ensure the merchant is securely informed. Please provide the URL and make sure it's already registered on the Faspay system

The detailed API reference can be found here