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Implement Disbursement

Pre-Requisite

Please go to authentication section first to see what header being used for each request

Sandbox Access

You can start by testing in sandbox environment with steps mentioned previously.

Use https://api-sandbox.durianpay.id/v1.0 as base URL for SANDBOX environment and https://api.durianpay.id/v1.0 for LIVE environment

Step 1: Validate Account Number

API to validate if your disbursement destination is correct. It is splitted into two type: Bank and E-wallet.

beneficiaryAccountName requested by merchant should be the same with bank stated name, that's why we recommend merchant to do account number validation first
Account validation will not immediately return success response but rather Accepted. You will need to hit the API again to get success value. We recommend to try it in: 2s, 10s, 30s, 1m, 5m
The numbers stated above is a guideline only, you can adjust it accordingly based on your system implementation
Please take notes in rare cases, it can take longer to get the final status of a transaction.

Bank Account Validation

Bank Account validation API is used to verify whether a disbursement destination account is valid/ invalid. If the account is valid, it will give information of the destination name according to the the bank/provider.

/account-inquiry-external
Request
curl --location 'https://api.durianpay.id/v1.0/account-inquiry-external' \
--header 'X-TIMESTAMP: 2024-05-14T18:54:57+07:00' \
--header 'X-SIGNATURE: pCA+q832pxHnTPm1Kdbfu1am37J9XFeGH13JGYqHv7Ww4Tb3Hrc5xRew+4y2tN4wiAPnHmvXcJ1Tyf94jK5gHQ==' \
--header 'X-PARTNER-ID: partner_id' \
--header 'X-EXTERNAL-ID: random_external_id' \
--header 'CHANNEL-ID: channel_id' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpc3MiOiJEdXJpYW4gTW9uZXkiLCJleHAiOjE3MTU1OTM3NTYsImlhdCI' \
--data '{
    "beneficiaryAccountNo": "087783146495",
    "beneficiaryBankCode": "002",
    "partnerReferenceNo": "202010290000000000000",
    "additionalInfo": {
        "deviceId": "12345679237",
        "channel": "mobilephone"
    }
}'
Response
{
    "additionalInfo": {
        "channel": "mobilephone",
        "deviceId": "12345679237"
    },
    "beneficiaryAccountName": "",
    "beneficiaryAccountNo": "087783146495",
    "beneficiaryBankCode": "002",
    "beneficiaryBankName": "",
    "currency": "IDR",
    "partnerReferenceNo": "202010290000000000000",
    "responseCode": "2021600",
    "responseMessage": "Request In Progress"
}

E-Wallet Account Validation

Validation for e-wallet account, the general flow is the same except URL used and the bank code.

  • Instead of beneficiaryAccountNo, e-wallet has parameter called customerNumber
  • Instead of beneficiaryBankCode, you need to put e-wallet code inside additionalInfo as platformCode. See here for more information.
/emoney/account-inquiry
Request
curl --location 'https://api.durianpay.id/v1.0/emoney/account-inquiry' \
--header 'X-TIMESTAMP: 2024-05-14T18:54:57+07:00' \
--header 'X-SIGNATURE: pCA+q832pxHnTPm1Kdbfu1am37J9XFeGH13JGYqHv7Ww4Tb3Hrc5xRew+4y2tN4wiAPnHmvXcJ1Tyf94jK5gHQ==' \
--header 'X-PARTNER-ID: partner_id' \
--header 'X-EXTERNAL-ID: random_external_id' \
--header 'CHANNEL-ID: channel_id' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpc3MiOiJEdXJpYW4gTW9uZXkiLCJleHAiOjE3MTU1OTM3NTYsImlhdCI' \
--data '{
    "customerNumber": "087783146495",
    "partnerReferenceNo": "202010290000000000000",
    "additionalInfo": {
        "deviceId": "12345679237",
        "channel": "mobilephone",
        "platformCode": "gopay"
    }
}'
Response
{
    "additionalInfo": {
        "deviceId": "12345679237",
        "channel": "mobilephone",
        "platformCode": "gopay"
    },
    "customerNumber": "087783146495",
    "currency": "IDR",
    "customerName": "Jane Doe",
    "partnerReferenceNo": "202010290000000000000",
    "responseCode": "2021600",
    "responseMessage": "Request In Progress"
}

Step 2: Submitting Disbursement

Submit Disbursement API is used to Create Disbursement in Durianpay, like account validation, it's splitted into Bank Account Transfer API and E-Wallet Account Transfer API. This API is only used to trigger the disbursement and the response will be reflecting that disbursement is accepted and will be processed by Durianpay. To get final status of disbursement, please implement step 3

Note:
  • See this table to see which bank supported and its respective bank code
  • In case of time out or internal server error, merchant can try to submit disbursement with the same partnerReferenceNo to see if previous disbursement was submitted or not.

Bank Account Transfer

Submit a disbursement batch or basically create a disbursement batch. The disbursement needs to be submitted via submit disbursement API.

Submit disbursement will not immediately return success response but rather Accepted. You will need to hit the API again to get success value. We recommend to try it in: 2s, 10s, 30s, 1m, 5m
The numbers stated above is a guideline only, you can adjust it accordingly based on your system implementation
Please take notes in rare cases, it can take longer to get the final status of a transaction.

Use following endpoint to submit a disbursement:

/transfer-interbank
Example
curl --location 'https://api.durianpay.id/v1.0/transfer-interbank' \
--header 'X-TIMESTAMP: 2024-05-14T18:54:57+07:00' \
--header 'X-SIGNATURE: pCA+q832pxHnTPm1Kdbfu1am37J9XFeGH13JGYqHv7Ww4Tb3Hrc5xRew+4y2tN4wiAPnHmvXcJ1Tyf94jK5gHQ==' \
--header 'X-PARTNER-ID: partner_id' \
--header 'X-EXTERNAL-ID: random_external_id' \
--header 'CHANNEL-ID: 95221' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpc3MiOiJEdXJpYW4gTW9uZXkiLCJleHAiOjE3MTU1OTM3NTYsImlhdCI' \
--data '{
    "partnerReferenceNo": "111111111",
    "amount": {
        "value": "20000.00",
        "currency": "IDR"
    },
    "beneficiaryAccountName": "Dummy Name",
    "beneficiaryAccountNo": "888801000003301",
    "beneficiaryAddress": "Palembang",
    "beneficiaryBankCode": "002",
    "beneficiaryBankName": "Bank BRI",
    "beneficiaryEmail": "yories.yolanda@work.bri.co.id",
    "currency": "IDR",
    "customerReference": "10052019",
    "transactionDate": "2019-07-03T12:08:56-07:00",
    "additionalInfo": {
        "deviceId": "12345679237",
        "channel": "mobilephone"
    }
}'

Example of response

Progress
// Sample response
{
    "additionalInfo": {
        "channel": "mobilephone",
        "deviceId": "12345679237"
    },
    "amount": {
        "currency": "IDR",
        "value": "20000.00",
    },
    "beneficiaryAccountNo": "888801000003301",
    "beneficiaryBankCode": "002",
    "partnerReferenceNo": "111111111",
    "referenceNo": "dis_item_zqMYiSqsPO",
    "responseCode": "2021800",
    "responseMessage": "Request In Progress",
    "sourceAccountNo": "mer_MsCtIPhqRc8045"
}

E-wallet Account Transfer

Note:
  • For e-wallet, instead of beneficiaryBankCode, you will need to put platformCode inside additionalInfo containing e-wallet code
  • See this table to see which e-wallet supported and its respective platform code
Example
curl --location 'https://api.durianpay.id/v1.0/emoney/topup' \
--header 'X-TIMESTAMP: 2024-05-14T18:54:57+07:00' \
--header 'X-SIGNATURE: pCA+q832pxHnTPm1Kdbfu1am37J9XFeGH13JGYqHv7Ww4Tb3Hrc5xRew+4y2tN4wiAPnHmvXcJ1Tyf94jK5gHQ==' \
--header 'X-PARTNER-ID: partner_id' \
--header 'X-EXTERNAL-ID: random_external_id' \
--header 'CHANNEL-ID: channel_id' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpc3MiOiJEdXJpYW4gTW9uZXkiLCJleHAiOjE3MTU1OTM3NTYsImlhdCI' \
--data '{
    "partnerReferenceNo": "111111111",
    "amount": {
        "value": "20000.00",
        "currency": "IDR"
    },
    "customerName": "Dummy Name",
    "customerNumber": "888801000003301",
    "currency": "IDR",
    "customerReference": "10052019",
    "transactionDate": "2019-07-03T12:08:56-07:00",
    "additionalInfo": {
        "platformCode": "gopay",
        "deviceId": "12345679237",
        "channel": "mobilephone"
    }
}'
Response
// Sample response
{
    statusCode: 202,
    message: 'Accepted',
    codeBlock: `{
    "additionalInfo": {
        "channel": "mobilephone",
        "deviceId": "12345679237",
        "platformCode" : "gopay"
    },
    "customerName": "Dummy Name",
    "customerNumber": "087783146495",
    "referenceNo": "dis_item_123",
    "currency": "IDR",
    "partnerReferenceNo": "202010290000000000000",
    "responseCode": "2021600",
    "responseMessage": "Request In Progress"
}

Step 3: Getting Final Status

There are two ways to get final status of a disbursement: By doing disbursement status inquiry, and implement disbursement status notify (soon)

Disbursement Status Inquiry

Use previous referenceNo or partnerReferenceNo from the original request get disbursement status
Similar to account validation, here are recommended duration to get final disbursement status: 30s, 1m, 5m, 10m, 30m
The numbers stated above is a guideline only, you can adjust it accordingly based on your system implementation
Please take notes in rare cases, it can take longer to get the final status of a transaction.
Bank Account Transfer Inquiry
Example
curl --location 'https://api.durianpay.id/v1.0/transfer/status' \
--header 'X-TIMESTAMP: 2024-05-14T18:54:57+07:00' \
--header 'X-SIGNATURE: pCA+q832pxHnTPm1Kdbfu1am37J9XFeGH13JGYqHv7Ww4Tb3Hrc5xRew+4y2tN4wiAPnHmvXcJ1Tyf94jK5gHQ==' \
--header 'X-PARTNER-ID: partner_id' \
--header 'X-EXTERNAL-ID: random_external_id' \
--header 'CHANNEL-ID: 95221' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpc3MiOiJEdXJpYW4gTW9uZXkiLCJleHAiOjE3MTU1OTM3NTYsImlhdCI' \
--data '{
    "originalPartnerReferenceNo": "111111111",
    "originalReferenceNo": "dis_item_vhLkXOtB0s6619",
    "originalExternalId": "30443786930722726463280097920912",
    "serviceCode": "18",
    "transactionDate": "2019-07-03T12:08:56-07:00",
    "amount": {
        "value": "20000.00",
        "currency": "IDR"
    },
    "additionalInfo": {
        "deviceId": "12345679237",
        "channel": "mobilephone"
    }
}'
There are 3 state of disbursement/transfer: success, processing, and failed
Success will have transaction status "00"
Processing will have transaction status "03"
Failed will have transaction status "06"
The HTTP Code itself might show 200, but the transfer status can be failed, since call to the API is success, but not the transfer, please refer to "latestTransactionStatus" attribute

If the transaction is success, the response will be

Success
// Sample Response if transfer is success
{
    statusCode: 200,
    message: 'Success',
    codeBlock: `{
    "additionalInfo": {
        "channel": "mobilephone",
        "deviceId": "12345679237"
    },
    "amount": {
        "currency": "IDR",
        "value": "12345678"
    },
    "beneficiaryAccountNo": "123123123",
    "beneficiaryBankCode": "002",
    "currency": "IDR",
    "latestTransactionStatus": "00",
    "originalExternalId": "30443786930722726463280097920912",
    "originalPartnerReferenceNo": "111111111",
    "originalReferenceNo": "dis_item_vhLkXOtB0s6619",
    "previousResponseCode": "2021800",
    "referenceNumber": "123123",
    "responseCode": "2003600",
    "responseMessage": "Successful",
    "serviceCode": "18",
    "sourceAccountNo": "123123",
    "transactionDate": "2019-07-03T12:08:56-07:00",
    "transactionId": "123123",
    "transactionStatusDesc": "success"
    }
}

If the transaction was still in progress, the response will be

Processing
// Sample Response if transfer is still processing
  {
    statusCode: 200,
    message: 'Success',
    codeBlock: `{
    "additionalInfo": {
        "channel": "mobilephone",
        "deviceId": "12345679237"
    },
    "amount": {
        "currency": "IDR",
        "value": "20000.00",
    },
    "beneficiaryAccountNo": "123123123",
    "beneficiaryBankCode": "002",
    "currency": "IDR",
    "latestTransactionStatus": "03",
    "originalExternalId": "30443786930722726463280097920912",
    "originalPartnerReferenceNo": "111111111",
    "originalReferenceNo": "dis_item_vhLkXOtB0s6619",
    "previousResponseCode": "2021800",
    "referenceNumber": "123123",
    "responseCode": "2003600",
    "responseMessage": "OK",
    "serviceCode": "18",
    "sourceAccountNo": "123123",
    "transactionDate": "2019-07-03T12:08:56-07:00",
    "transactionId": "123123",
    "transactionStatusDesc": "processing"
    }
}

If the transaction was failed, the response will be

Processing
// Sample Response if transfer is failed
  {
    statusCode: 200,
    message: 'Success',
    codeBlock: `{
    "additionalInfo": {
        "channel": "mobilephone",
        "deviceId": "12345679237"
    },
    "amount": {
        "currency": "IDR",
        "value": "20000.00",
    },
    "beneficiaryAccountNo": "123123123",
    "beneficiaryBankCode": "002",
    "currency": "IDR",
    "latestTransactionStatus": "06",
    "originalExternalId": "30443786930722726463280097920912",
    "originalPartnerReferenceNo": "111111111",
    "originalReferenceNo": "dis_item_vhLkXOtB0s6619",
    "previousResponseCode": "2021800",
    "referenceNumber": "123123",
    "responseCode": "2003600",
    "responseMessage": "OK",
    "serviceCode": "18",
    "sourceAccountNo": "123123",
    "transactionDate": "2019-07-03T12:08:56-07:00",
    "transactionId": "123123",
    "transactionStatusDesc": "failed"
    }
}
E-wallet Transfer Inquiry Status
Example
curl --location 'https://api.durianpay.id/v1.0/transfer/status' \
--header 'X-TIMESTAMP: 2024-05-14T18:54:57+07:00' \
--header 'X-SIGNATURE: pCA+q832pxHnTPm1Kdbfu1am37J9XFeGH13JGYqHv7Ww4Tb3Hrc5xRew+4y2tN4wiAPnHmvXcJ1Tyf94jK5gHQ==' \
--header 'X-PARTNER-ID: partner_id' \
--header 'X-EXTERNAL-ID: random_external_id' \
--header 'CHANNEL-ID: 95221' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpc3MiOiJEdXJpYW4gTW9uZXkiLCJleHAiOjE3MTU1OTM3NTYsImlhdCI' \
--data '{
    "originalPartnerReferenceNo": "111111111",
    "originalReferenceNo": "dis_item_vhLkXOtB0s6619",
    "originalExternalId": "30443786930722726463280097920912",
    "serviceCode": "18",
    "transactionDate": "2019-07-03T12:08:56-07:00",
    "amount": {
        "value": "20000.00",
        "currency": "IDR"
    },
    "additionalInfo": {
        "deviceId": "12345679237",
        "channel": "mobilephone"
    }
}'

Similar with bank transfer, e-wallet transfer status inquiry will have two states: Processing and Success

If the transaction is success, the response will be

Success
// Sample Response if transfer is still in progresss
{
    statusCode: 200,
    message: 'Success',
    codeBlock: `{
    "additionalInfo": {
        "channel": "mobilephone",
        "deviceId": "12345679237",
        "platformCode": "gopay"
    },
    "customerNumber": "087783146495",
    "currency": "IDR",
    "partnerReferenceNo": "202010290000000000000",
    "responseCode": "2021600",
    "responseMessage": "Request In Progress"
    }
}

If the transaction was still in progress, the response will be

Processing
// Sample Response if transfer is already success
  {
    statusCode: 202,
    message: 'Accepted',
    codeBlock: `{
    "additionalInfo": {
        "channel": "mobilephone",
        "deviceId": "12345679237",
        "platformCode": "gopay"
    },
    "customerNumber": "087783146495",
    "currency": "IDR",
    "partnerReferenceNo": "202010290000000000000",
    "responseCode": "2021600",
    "responseMessage": "Request In Progress"
    }
}

Disbursement Notify (Callback) Handling

Follow Next section for callback handling

Balance Inquiry

API to check merchant's current balance.

Example
curl --location 'https://api.durianpay.id/v1.0/balance-inquiry' \
--header 'X-TIMESTAMP: 2023-07-31T10:55:00+07:00' \
--header 'X-SIGNATURE: SlCb5OKordx8WVhAE5bkg4M8U1vbI7hyHb07G/ydStvTIBmNgEzHj8PdLVbp2iWY1k2e/jgwWmKsrIj/AvH9rw==' \
--header 'X-PARTNER-ID: client_8045' \
--header 'X-EXTERNAL-ID: 202001' \
--header 'CHANNEL-ID: 95521' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpc3MiOiJEdXJpYW4gTW9uZXkiLCJleHAiOjE3MTU1Nzk0MjYsImlhdCI6MTcxNTU3ODUyNiwibWVyY2hhbnRfaWQiOiJtZXJfTXNDdElQaHFSYzgwNDUiLCJncmFudF90eXBlIjoiQVVUSE9SSVpBVElPTl9DT0RFIiwiY2xpZW50X2tleSI6ImNsaWVudF84MDQ1In0.H2IMBY0MiGNvjHwVwXoYekajhPocBxflmodiHxbm0XA' \
--data '{
    "partnerReferenceNo": "2020102900000000000001",
    "accountNo": "7382382957893840",
    "bankCardToken": "12312312",
    "additionalInfo": {
        "deviceId": "123456",
        "channel": "phone"
    }
}'
Response
// Sample Response
{
    statusCode: 200,
    message: 'Success',
    codeBlock: `{
    "additionalInfo": {
        "channel": "mobilephone",
        "deviceId": "12345679237"
    },
    "beneficiaryAccountName": "Dummy Name",
    "beneficiaryAccountNo": "087783146495",
    "beneficiaryBankCode": "002",
    "beneficiaryBankName": "Bank Rakyat Indonesia",
    "currency": "IDR",
    "partnerReferenceNo": "202010290000000000000",
    "responseCode": "2001600",
    "responseMessage": "Successful"
}

Other useful non-SNAP API

There are several APIs that might be useful which do not implement SNAP, for example disbursement list API and balance topup API

Please refer to disbursement or api docs for more info.