Online Credit Integration Guide

One of the payment methods offered by Faspay is Online Credit channel. By using this payment method, customers will have the option to make a payment via an online credit website. Faspay will send real-time notifications when the customer completes the payment.

At this moment, Faspay has integrated some Online Credit payment methods:

1. Kredivo

2. Akulaku

3. Indodana

4. BRI Ceria

The basic integration process of Online Credit will be explained below.

Integration Step

1. Post Data Transaction to Faspay

2. Redirect customer to online credit website

3. Callback/Return URL

4. Payment Notification

1. Post Data Transaction

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

Every online credit channel will use the same API request, the difference is only on payment_channel and several parameter values for each online credit channel

This is an example of post data transaction for an Online Credit channel

Kredivo

{
   "request": "Post Data Transaction",
   "merchant_id": "99999",
   "merchant": "Sophia Store",
   "bill_no": "20201222022336",
   "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": "0",
   "bill_total": "100000",
   "cust_no": "01",
   "cust_name": "John Doe",
   "payment_channel": "709",
   "pay_type": "01",
   "msisdn": "8562927907",
   "email": "[e-mail]",
   "terminal": "10",
   "billing_name": "John Doe",
   "billing_lastname": "Doe",
   "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_lastname": "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": "Iphone 12",
      "qty": "1",
      "amount": "100000",
      "type": "Smartphone",
      "merchant_id":"K0001",
      "url": "https://your_website/merchant",
      "image_url": "https://your_image_url/image.jpg"
   },
   "reserve1": "",
   "reserve2": "30_Days",
   "signature": "5dd15c6075d976608e9961b95202e80ba08dbed7"
}

for Kredivo reserve2 is mandatory to indicate the payment is full payment or installment

• Full Payment = 30_days

• Installment : 3_months, 6_months, 12_months

The minimum installment amount for IDR 1.500.000,00

Whitelist ID that is used for postage etc use the following ID: ID = shippingfee, adminfee, taxfee, discount, additionalfee, insurancefee

Akulaku

{
   "request": "Post Data Transaction",
   "merchant_id": "99999",
   "merchant": "Sophia Store",
   "bill_no": "20201222022648",
   "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": "807",
   "pay_type": "01",
   "msisdn": "8562927907",
   "email": "[e-mail]",
   "terminal": "10",
   "billing_name": "John Doe",
   "billing_lastname": "Doe",
   "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_lastname": "Doe",
   "shipping_address": "Jl. Sabang 37",
   "shipping_address_city": "Jakarta",
   "shipping_address_region": "DKI Jakarta",
   "shipping_address_state": "Indonesia",
   "shipping_address_poscode": "10170",
   "shipping_msisdn": "0881712345678",
   "item": {
      "product": "Invoice #2286704",
      "qty": "1",
      "amount": "100000",
      "merchant_id":"A0001",
      "payment_plan":"01",
      "tenor":"00"
   },
   "reserve1": "",
   "reserve2": "",
   "signature": "163c0950b2aa74a510f899da7c5379257a462ab7"
}

Indodana

{
  "request": "Post Data Transaction",
  "merchant_id": "33521",
  "merchant": "Sophia Store",
  "bill_no": "20201222022844",
  "bill_reff": "20200324_02-2286704_336",
  "bill_date": "2022-04-12 06:04:29",
  "bill_expired": "2022-04-13 07:04:29",
  "bill_desc": "Payment Online Via Faspay",
  "bill_currency": "IDR",
  "bill_gross": "200000000",
  "bill_miscfee": "100000",
  "bill_total": "200100000",
  "cust_no": "01",
  "cust_name": "John Doe",
  "payment_channel": "820",
  "pay_type": "01",
  "msisdn": "8562927907",
  "email": "[e-mail]",
  "terminal": "10",
  "billing_name": "John Doe",
  "billing_lastname": "Doe",
  "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_lastname": "Doe",
  "shipping_address": "Jl. Sabang 37",
  "shipping_address_city": "Jakarta",
  "shipping_address_region": "DKI Jakarta",
  "shipping_address_state": "Indonesia",
  "shipping_address_country_code": "ID",
  "shipping_msisdn": "08778797990",
  "shipping_address_poscode": "10170",
  "item": {
    "id": "101",
    "product": "Homestyle Breakfast",
    "qty": "1",
    "amount": "200000000",
    "type": "Beverages"
  },
  "reserve1": "",
  "reserve2": "",
  "signature": "813bb2e29bdad6e3a57c3b87874cca59bd644b96"
}

BRI Ceria

{
    "request": "Post Data Transaction",
    "merchant_id": 99999,
    "merchant": "Sophia Store",
    "bill_no": 84938941,
    "bill_reff": "20200324_02-2286704_337",
    "bill_date": "2022-03-22 06:00:00",
    "bill_expired": "2022-03-30 06:04:10",
    "bill_desc": "Payment #12345678",
    "bill_currency": "IDR",
    "bill_gross": 0,
    "bill_tax": 0,
    "bill_miscfee": 0,
    "bill_total": 600000,
    "cust_no": 1,
    "cust_name": "John Doe",
    "cust_lastname": "Doe",
    "payment_channel": 721,
    "pay_type": 1,
    "bank_userid": "",
    "msisdn": "082311485678",
    "email": "",
    "terminal": 10,
    "billing_name": "John Doe",
    "billing_lastname": "Doe",
    "billing_address": "jalan pintu air raya",
    "billing_address_city": "Jakarta Pusat",
    "billing_address_region": "DKI Jakarta",
    "billing_address_state": "Indonesia",
    "billing_address_poscode": 10710,
    "billing_msisdn": 8766688686,
    "billing_address_country_code": "ID",
    "receiver_name_for_shipping": "John Doe",
    "shipping_lastname": "",
    "shipping_address": "jalan pintu air raya",
    "shipping_address_city": "Jakarta Pusat",
    "shipping_address_region": "DKI Jakarta",
    "shipping_address_state": "Indonesia",
    "shipping_address_poscode": 10710,
    "shipping_msisdn": 8766688686,
    "shipping_address_country_code": "ID",
    "item": [
        {
            "product": "Mineral water",
            "amount": 300000,
            "qty": 1
        },
        {
            "product": "Sugar",
            "amount": 100000,
            "qty": 1
        },
         {
            "product": "Egg/Duck",
            "amount": 200000,
            "qty": 1
        }
    ],
    "reserve1": 0,
    "reserve2": "",
    "signature": "0798057cc5b467631c4ddc09a873118bdf2aa149"
}

Post Data Transaction Response

You will get the post-data response like the following

Kredivo

{
   "response": "Transmission of Purchase Detail Info",
   "trx_id": "9999970900009506",
   "merchant_id": "99999",
   "merchant": "Sophia Store",
   "bill_no": "20201222022336",
   "bill_items": {
      "id": "A001",
      "product": "Iphone 12",
      "qty": "1",
      "amount": "100000",
      "type": "Smartphone",
      "merchant_id":"K0001",
      "url": "https://your_website/merchant",
      "image_url": "https://your_image_url/image.jpg"
   },
   "response_code": "00",
   "response_desc": "Success",
   "redirect_url" : "https://dev.faspay.co.id/pws/100003/0830000010100000/5dd15c6075d976608e9961b95202e80ba08dbed7?trx_id=9999970900009506&merchant_id=99999&bill_no=20201222022336"
}

Akulaku

{
   "response": "Transmission of Purchase Detail Info",
   "trx_id": "9999980700008458",
   "merchant_id": "99999",
   "merchant": "Sophia Store",
   "bill_no": "20201222022648",
   "bill_items": {
      "product": "Invoice #2286704",
      "qty": "1",
      "amount": "100000",
      "merchant_id":"A0001",
      "payment_plan":"01",
      "tenor":"00"
   },
   "response_code": "00",
   "response_desc": "Success",
   "redirect_url" : "https://dev.faspay.co.id/pws/100003/0830000010100000/163c0950b2aa74a510f899da7c5379257a462ab7?trx_id=9999980700008458&merchant_id=99999&bill_no=20201222022648"
}

Indodana

{
  "response": "Transmission of Purchase Detail Info",
  "trx_id": "9999982000080051",
  "merchant_id": "99999",
  "merchant": "Sophia Store",
  "bill_no": "20201222022844",
  "bill_items": {
    "id": "101",
    "product": "Homestyle Breakfast",
    "qty": "1",
    "amount": "100000",
    "type": "Beverages"
  },
  "response_code": "00",
  "response_desc": "Success",
  "redirect_url": "https://dev.faspay.co.id/pws/100003/0830000010100000/4aa35b108857404b75de44619da31c48165f2396?trx_id=9999982000080051&merchant_id=99999&bill_no=20201222022844"
}

BRI Ceria

{
    "response": "Transmission of Purchase Detail Info",
    "trx_id": "9999972134164557",
    "merchant_id": "99999",
    "merchant": "Sophia Store",
    "bill_no": "84938941",
    "bill_items": [
        {
            "product": "Mineral water",
            "amount": "300000",
            "qty": "1"
        },
        {
            "product": "Sugar",
            "amount": "100000",
            "qty": "1"
        },
        {
            "product": "Egg/Duck",
            "amount": "200000",
            "qty": "1"
        }
    ],
    "response_code": "00",
    "response_desc": "Success",
    "redirect_url": "https://debit-staging.faspay.co.id/pws/100003/0830000010100000/0798057cc5b467631c4ddc09a873118bdf2aa149?trx_id=9999972134164557&merchant_id=99999&bill_no=84938941"
}

2. Redirect customer to online credit's website

To redirect customer to online credit's Website, use redirect_url that retrieved from Post Data Transaction response (JSON Format) or follows detailed API reference Here

3. Callback/Return URL

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

4. Payment Notification

Payment notification from Faspay to 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 Faspay system

The detailed API reference can be found here