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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. 1.
    Kredivo
  2. 2.
    Akulaku
  3. 3.
    Indodana
  4. 4.
    BRI Ceria
Basic integration process of Online Credit will be explained below.

Integration Step

  1. 1.
    Post Data Transaction to Faspay
  2. 2.
    Redirect customer to online credit's website
  3. 3.
    Callback/Return URL
  4. 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 different is only on payment_channel and several parameter values for each online credit channel
This is an example of post data transaction for Online Credit channel
Kredivo
Akulaku
Indodana
BRI Ceria
{
"request": "Post Data Transaction",
"merchant_id": "99999",
"merchant": "FASPAY 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": "tester",
"payment_channel": "709",
"pay_type": "01",
"msisdn": "8562927907",
"email": "[email protected]",
"terminal": "10",
"billing_name": "Faspay",
"billing_lastname": "Test",
"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": "Faspay",
"shipping_lastname": "Test",
"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
{
"request": "Post Data Transaction",
"merchant_id": "99999",
"merchant": "FASPAY 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": "tester",
"payment_channel": "807",
"pay_type": "01",
"msisdn": "8562927907",
"email": "[email protected]",
"terminal": "10",
"billing_name": "Faspay",
"billing_lastname": "Test",
"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": "Faspay",
"shipping_lastname": "Test",
"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"
}
​
{
"request": "Post Data Transaction",
"merchant_id": "33521",
"merchant": "FASPAY 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": "Johnny Suh",
"payment_channel": "820",
"pay_type": "01",
"msisdn": "8562927907",
"email": "[email protected]",
"terminal": "10",
"billing_name": "Johnny",
"billing_lastname": "Suh",
"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": "Johnny",
"shipping_lastname": "Suh",
"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"
}
{
"request": "Transmission Detailed Purchase Info",
"merchant_id": 99999,
"merchant": "FASPAY 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": "Johnny",
"cust_lastname": "Suh",
"payment_channel": 721,
"pay_type": 1,
"bank_userid": "",
"msisdn": "082311485678",
"email": "",
"terminal": 10,
"billing_name": "Johnny",
"billing_lastname": Suh,
"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": "Johnny Suh",
"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": "Air/Putih",
"amount": 300000,
"qty": 1
},
{
"product": "Gula Jawa",
"amount": 100000,
"qty": 1
},
{
"product": "Telur/ Bebek",
"amount": 200000,
"qty": 1
}
],
"reserve1": 0,
"reserve2": "",
"signature": "0798057cc5b467631c4ddc09a873118bdf2aa149"
}
​

Post Data Transaction Response

You will get the post-data response like the following
Kredivo
Akulaku
Indodana
BRI Ceria
{
"response": "Transmisi Info Detil Pembelian",
"trx_id": "9999970900009506",
"merchant_id": "99999",
"merchant": "FASPAY 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": "Sukses",
"redirect_url" : "https://dev.faspay.co.id/pws/100003/0830000010100000/5dd15c6075d976608e9961b95202e80ba08dbed7?trx_id=9999970900009506&merchant_id=99999&bill_no=20201222022336"
}
{
"response": "Transmisi Info Detil Pembelian",
"trx_id": "9999980700008458",
"merchant_id": "99999",
"merchant": "FASPAY 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": "Sukses",
"redirect_url" : "https://dev.faspay.co.id/pws/100003/0830000010100000/163c0950b2aa74a510f899da7c5379257a462ab7?trx_id=9999980700008458&merchant_id=99999&bill_no=20201222022648"
}
{
"response": "Transmisi Info Detil Pembelian",
"trx_id": "9999982000080051",
"merchant_id": "99999",
"merchant": "FASPAY STORE",
"bill_no": "20201222022844",
"bill_items": {
"id": "101",
"product": "Homestyle Breakfast",
"qty": "1",
"amount": "100000",
"type": "Beverages",
},
"response_code": "00",
"response_desc": "Sukses",
"redirect_url" : "https://dev.faspay.co.id/pws/100003/0830000010100000/4aa35b108857404b75de44619da31c48165f2396?trx_id=9999982000080051&merchant_id=99999&bill_no=20201222022844"
}
{
"response": "Transmisi Info Detil Pembelian",
"trx_id": "9999972134164557",
"merchant_id": "99999",
"merchant": "FASPAY DEMO",
"bill_no": "84938941",
"bill_items": [
{
"product": "Air/Putih",
"amount": "300000",
"qty": "1"
},
{
"product": "Gula Jawa",
"amount": "100000",
"qty": "1"
},
{
"product": "Telur/ Bebek",
"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 followed detail 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
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Last modified 26d ago