ATM Permata Cash Out

Permata CashOut is one of the Faspay SendMe (disbursement) features that serve to conduct cash withdrawal transactions at Permata ATMs. The increasing number of money withdrawal options through Permata ATMs, could increase profit opportunities and expand market segmentation.

Flow Permata CashOut

Flow CashOut Reservation

API Services

Transfer

This service serves to create transactions from Merchants to Faspay. This service is used to process funds transfer from a Merchant account to a beneficiary.

Transfer Request

• Relative URL : /account/API/transfer

• Method : HTTP POST

The parameters that must be provided by the Merchant system to be accessed by the Faspay system are as follows:

Request Body

Parameter	Data Type	Length	M/O/C	Description
virtual_account	Numeric	20	Mandatory	Virtual Account Number Merchant
beneficiary_bank_code	Alphanumeric	4	Mandatory	Beneficiary Bank Code alf : Alfamart Imr: Indomaret C013: Permata CashOut
beneficiary_name	Alphanumeric	255	Mandatory	Beneficiary name
trx_no	Alphanumeric	255	Mandatory	Transaction number (from Merchant)
beneficiary_phone	Numeric	15	Mandatory	Beneficiary phone
trx_amount	Numeric	12	Mandatory	Total amount, ex : 100.000 - 150000000 Amount must be multiple of 100000.
callback_url	Alphanumeric	255	Mandatory	URL for callback/notification, used to notify the merchant.
trx_desc	Alphanumeric	27	Mandatory	Description, If the user input is more than 27 characters, it will be cut into 27 characters

Sample Request

{ 
    "virtual_account" : 9920375800,
    "beneficiary_bank_code" : "C013",
    "beneficiary_name" : "Yudhistira",
    "trx_no" : "phpCAP20230828090142980",
    "beneficiary_phone" : "082306121011",
    "trx_amount" : "10000000",
    "callback_url" : "http://account-service/api/mail/sendtotele",
    "trx_desc" : "CAP28090142"

Transfer Response

Response Body

Parameter	Data Type	Length	M/O/C	Description
virtual_account	Numeric	20	Mandatory	Virtual Account Number Merchant
beneficiary_bank_code	Alphanumeric	4	Mandatory	Beneficiary Bank Code alf: Alfamart imr: Indomaret C013: Permata CashOut
beneficiary_phone	Numeric	15	Mandatory	Beneficiary phone
trx_no	Numeric	255	Mandatory	Transaction number (from Merchant)
trx_date	Datetime (yyyy-mm-dd)		Mandatory	Transaction date time
trx_expired	Datetime (yyyy-mm-dd)		Mandatory	Transaction expired, - null : expired date within 24 hours (depending on the Merchant)
instruct_date	Datetime (yyyy-mm-dd)		Mandatory	Transfer instruction date
trx_amount	Numeric	12	Mandatory	Total amount, ex : 100.000 - 150000000 Amount must be multiple of 100000.
trx_desc	Alphanumeric	27	Optional	Description, If the user input is more than 27 characters, it will be cut into 27 characters
callback_url	Alphanumeric	255	Mandatory	URL for callback/notification, used to notify the merchant.
beneficiary_account_name	Alphanumeric	255	Mandatory	Beneficiary account name
trx_id	Numeric	16	Mandatory	ID Transaction
trx_reff	Alphanumeric	255	Mandatory	Reference of transaction number on system disbursement
cashout_code	Alphanumeric	255	Mandatory	Cashout code for the beneficiary to claim. The code will be encrypted using a private key generated by Faspay. So, merchant need to decrypt the code using public key also generated by Faspay, before display or send it to beneficiary.
status	Numeric	1	Mandatory	List Status Transaction : 1 = On Process, 2 = Success, 4 = Failed, 5 = Reverse
message	Alphanumeric	255	Mandatory	Message Description
response_code	Numeric	2	Mandatory	Response code from bank (00 = success)
response_desc	Alphanumeric	255	Mandatory	Response description from bank

Sample Response

{
    "virtual_account": "9920375800",
    "beneficiary_bank_code": "C013",
    "beneficiary_name": "Yudhistira",
    "trx_no": "phpCAP20230828090142980",
    "beneficiary_phone": "082306121011",
    "trx_amount": 10000000,
    "callback_url": "http://account-service/api/mail/sendtotele",
    "trx_desc": "CAP28090142",
    "trx_date": "2023-08-28 09:01:43",
    "trx_expired": "2023-08-28 10:01:45",
    "instruct_date": "2023-08-28 09:01:43",
    "trx_id": 395855,
    "trx_reff": "i2oMlYLuzXsUgGC9cl0d_1693188104878866",
    "cashout_code": "CddMb0cKo8+dnvdTg1liAnlZiQP/u78U5echwhUxVAeVKKxiTOeqQPmS3NeEiqIGB+PZsJrGMSNkJJPu3c14EIOqlriUcw8VujqgzKCjfGno+7A89boQwmuqZdxwvIUHspdOXsdhajFR5rkmOrcPTvjvvalMT/7f7w7chzSM/Iqq+nHYgZFJz08J8bF7OIgG/V4W3eWn0NxCeYgA/pet/9hAv75d7g7LUzS2GYhNpOEHkQqHL6nWRd59I/KNSBCVmYKkFYSlwYV1NuflWoNRc4CvXa4rH8DzerPAlYhw7cAgFiI818/dks7ghiH13Vt1SPBLLe9zpZH1lZXA9a1wVw==",
    "status": "1",
    "message": "On Process",
    "response_code": "00",
    "response_desc": "success"
}

Decrypting Cashout Code

At transfer response, cashout_code that has been received by merchant is in chipertext format, so merchant need to decrypting the code using openssl_public_decrypt method to change the cashout_code into plain text. To decrypting the cashout_code into 10 digit plain text it can be done by the steps as follows:

1. Merchant receive public key from Faspay

2. Decode the cashout_code using base64_decode method

3. Decrypting the cashout_code using openssl_public_decrypt method and public key that has been merchant received before

4. Merchant get 10 digit plain text of cashout_code

Sample Code Decrypting Cashout Code

public function dec_cashout_code($encrydata){
        $filename = "public.crt";
        $data = base64_decode($encrydata);
        $public_key = file_get_contents($filename, true);
        openssl_public_decrypt($data,$plaintext,$public_key);
        return $plaintext;
}