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Online Credit Integration Guide
One of the payment method offered by Faspay is Online Credit channel. By using this payment method, customers will have the option to make a payment via online credit website and Faspay will send real time notification when the customer complete the payment.
At this moment, Faspay has integrated with some Online Credit payment methods:
    1.
    Kredivo
    2.
    Akulaku
    3.
    Indodana
Basic integration process of Online Credit will be explained below.
Integration Step
    1.
    Post Data Transaction to Faspay
    2.
    Redirect customer to online credit's website
    3.
    Callback/Return URL
    4.
    Payment Notification

1. Post Data Transaction

Post data transaction should be done from merchant backend, the detail API reference can be find Here
Every online credit channel will use the same API request, the different is only on payment_channel and serveral parameter value for each online credit channel
This is example of post data transaction for Online Credit channel
Kredivo
Akulaku
Indodana
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{
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"request": "Post Data Transaksi",
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"merchant_id": "99999",
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"merchant": "FASPAY STORE",
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"bill_no": "20201222022336",
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"bill_reff": "20200324_02-2286704_336",
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"bill_date": "2020-12-19 06:04:29",
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"bill_expired": "2020-12-19 07:04:29",
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"bill_desc": "Payment Online Via Faspay",
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"bill_currency": "IDR",
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"bill_gross": "100000",
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"bill_miscfee": "0",
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"bill_total": "100000",
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"cust_no": "01",
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"cust_name": "tester",
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"payment_channel": "709",
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"pay_type": "01",
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"msisdn": "8562927907",
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"email": "[email protected]",
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"terminal": "10",
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"billing_name": "Faspay",
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"billing_lastname": "Test",
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"billing_address": "Jl Sabang 37",
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"billing_address_city": "Jakarta",
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"billing_address_region": "DKI Jakarta",
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"billing_address_state": "Indonesia",
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"billing_address_poscode": "10170",
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"billing_address_country_code": "ID",
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"receiver_name_for_shipping": "Faspay",
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"shipping_lastname": "Test",
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"shipping_address": "Jl. Sabang 37",
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"shipping_address_city": "Jakarta",
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"shipping_address_region": "DKI Jakarta",
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"shipping_address_state": "Indonesia",
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"shipping_address_poscode": "10170",
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"item": {
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"id": "A001",
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"product": "Iphone 12",
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"qty": "1",
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"amount": "100000",
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"type": "Smartphone",
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"merchant_id":"K0001",
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"url": "https://your_website/merchant",
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"image_url": "https://your_image_url/image.jpg"
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},
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"reserve1": "",
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"reserve2": "30_Days",
48
"signature": "5dd15c6075d976608e9961b95202e80ba08dbed7"
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}
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for Kredivo reserve2 is mandatory to indicate the payment is full payment or installment
    Full Payment = 30_Days
    Installment : 3_Months, 6_Months, 12Months
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
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{
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"request": "Post Data Transaksi",
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"merchant_id": "99999",
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"merchant": "FASPAY STORE",
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"bill_no": "20201222022648",
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"bill_reff": "20200324_02-2286704_336",
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"bill_date": "2020-12-19 06:04:29",
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"bill_expired": "2020-12-19 07:04:29",
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"bill_desc": "Payment Online Via Faspay",
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"bill_currency": "IDR",
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"bill_gross": "100000",
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"bill_miscfee": "100000",
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"bill_total": "200000",
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"cust_no": "01",
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"cust_name": "tester",
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"payment_channel": "807",
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"pay_type": "01",
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"msisdn": "8562927907",
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"email": "[email protected]",
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"terminal": "10",
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"billing_name": "Faspay",
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"billing_lastname": "Test",
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"billing_address": "Jl Sabang 37",
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"billing_address_city": "Jakarta",
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"billing_address_region": "DKI Jakarta",
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"billing_address_state": "Indonesia",
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"billing_address_poscode": "10170",
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"billing_address_country_code": "ID",
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"receiver_name_for_shipping": "Faspay",
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"shipping_lastname": "Test",
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"shipping_address": "Jl. Sabang 37",
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"shipping_address_city": "Jakarta",
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"shipping_address_region": "DKI Jakarta",
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"shipping_address_state": "Indonesia",
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"shipping_address_poscode": "10170",
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"shipping_msisdn": "0881712345678",
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"item": {
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"product": "Invoice #2286704",
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"qty": "1",
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"amount": "100000",
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"merchant_id":"A0001",
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"payment_plan":"01",
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"tenor":"00"
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},
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"reserve1": "",
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"reserve2": "",
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"signature": "163c0950b2aa74a510f899da7c5379257a462ab7"
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}
49
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1
{
2
"request": "Post Data Transaksi",
3
"merchant_id": "99999",
4
"merchant": "FASPAY STORE",
5
"bill_no": "20201222022844",
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"bill_reff": "20200324_02-2286704_336",
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"bill_date": "2020-12-19 06:04:29",
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"bill_expired": "2020-12-19 07:04:29",
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"bill_desc": "Payment Online Via Faspay",
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"bill_currency": "IDR",
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"bill_gross": "100000",
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"bill_miscfee": "100000",
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"bill_total": "200000",
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"cust_no": "01",
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"cust_name": "tester",
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"payment_channel": "820",
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"pay_type": "01",
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"msisdn": "8562927907",
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"email": "[email protected]",
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"terminal": "10",
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"billing_name": "Faspay",
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"billing_lastname": "Test",
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"billing_address": "Jl Sabang 37",
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"billing_address_city": "Jakarta",
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"billing_address_region": "DKI Jakarta",
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"billing_address_state": "Indonesia",
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"billing_address_poscode": "10170",
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"billing_address_country_code": "ID",
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"receiver_name_for_shipping": "Faspay",
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"shipping_lastname": "Test",
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"shipping_address": "Jl. Sabang 37",
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"shipping_address_city": "Jakarta",
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"shipping_address_region": "DKI Jakarta",
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"shipping_address_state": "Indonesia",
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"shipping_address_poscode": "10170",
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"item": {
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"id": "101",
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"product": "Homestyle Breakfast",
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"qty": "1",
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"amount": "100000",
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"type": "Beverages",
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},
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"reserve1": "",
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"reserve2": "",
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"signature": "4aa35b108857404b75de44619da31c48165f2396"
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}
Copied!
Post Data Transaction response
You will get the post data response like the following
Kredivo
Akulaku
Indodana
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{
2
"response": "Transmisi Info Detil Pembelian",
3
"trx_id": "9999970900009506",
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"merchant_id": "99999",
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"merchant": "FASPAY STORE",
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"bill_no": "20201222022336",
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"bill_items": {
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"id": "A001",
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"product": "Iphone 12",
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"qty": "1",
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"amount": "100000",
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"type": "Smartphone",
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"merchant_id":"K0001",
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"url": "https://your_website/merchant",
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"image_url": "https://your_image_url/image.jpg"
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},
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"response_code": "00",
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"response_desc": "Sukses",
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"redirect_url" : "https://dev.faspay.co.id/pws/100003/0830000010100000/5dd15c6075d976608e9961b95202e80ba08dbed7?trx_id=9999970900009506&merchant_id=99999&bill_no=20201222022336"
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}
Copied!
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{
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"response": "Transmisi Info Detil Pembelian",
3
"trx_id": "9999980700008458",
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"merchant_id": "99999",
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"merchant": "FASPAY STORE",
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"bill_no": "20201222022648",
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"bill_items": {
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"product": "Invoice #2286704",
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"qty": "1",
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"amount": "100000",
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"merchant_id":"A0001",
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"payment_plan":"01",
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"tenor":"00"
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},
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"response_code": "00",
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"response_desc": "Sukses",
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"redirect_url" : "https://dev.faspay.co.id/pws/100003/0830000010100000/163c0950b2aa74a510f899da7c5379257a462ab7?trx_id=9999980700008458&merchant_id=99999&bill_no=20201222022648"
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}
Copied!
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{
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"response": "Transmisi Info Detil Pembelian",
3
"trx_id": "9999982000080051",
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"merchant_id": "99999",
5
"merchant": "FASPAY STORE",
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"bill_no": "20201222022844",
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"bill_items": {
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"id": "101",
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"product": "Homestyle Breakfast",
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"qty": "1",
11
"amount": "100000",
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"type": "Beverages",
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},
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"response_code": "00",
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"response_desc": "Sukses",
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"redirect_url" : "https://dev.faspay.co.id/pws/100003/0830000010100000/4aa35b108857404b75de44619da31c48165f2396?trx_id=9999982000080051&merchant_id=99999&bill_no=20201222022844"
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}
Copied!

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 follow the detail API reference Here

3. Callback/Return URL

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

4. 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
Last modified 9mo ago
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