Banks of Indonesia

Interaction diagram

Payment processing by using the Banks of Indonesia payment method requires merchant's web service, one of the interfaces and the payment platform of Monetix, as well as one of the bank services which supports this payment method.

Operations support

	Interfaces			Amounts, IDR		Times
	Payment Page	Gate	Dashboard	minimum	maximum	basic	threshold
Purchases				*	*	up to 5 minutes	48 hours
Payouts				*	*	up to 10 minutes	48 hours

* For the most recent amount limits, contact your Monetix Key Account Manager.

You can check the payment amount limits in your project by using Dashboard. To check your payment amount limits, go to Dashboard, select the Projects section and click the Payment methods tab.

Processing scenarios

In the Banks of Indonesia method, to perform a purchase operation, you need to redirect a customer to the bank service, while a payout performs with the notification of a customer via web service.

Supported banks

Payments through the Banks of Indonesia method are carried out through banks that support the work with this method. Banks have their own identifiers, which are used to initiate payouts and purchases by using Gate, and to display banks on Payment Page when choosing a payment method.

The table below provides information on these banks for informational purposes, it may change without additional notice. For the most recent list of supported banks, contact your Monetix Key Account Manager or POST the /v2/info/banks/{payment_method}/{operationType}/list request using Gate API: /v2/info/banks/indonesia/sale/list—to get the list of banks that support purchase or /v2/info/banks/indonesia/payout/list—to get the banks that support payout.

Here is an example of the data from a request for the supported banks list. It is important to specify real payment data, but if your payment is not ready, you can use a random value as the payment ID in your request.

{
  "general": {
    "project_id": 200,
    "payment_id": "ORDER_155860015",
    "signature": "K6jllym+PtObocZtr345st...=="
  },
  "payment": {
    "amount": 1000,
    "currency": "IDR"
  }
}

[
    {
        "minAmount": 100, // Minimum payment amount allowed for the payment (in minor currency units)
        "maxAmount": 1000, // Maximum payment amount allowed for the payment (in minor currency units)
        "limitCurrency": "IDR", // Code of the currency used for the payment limits (minAmount and maxAmount) in the ISO-4217 alpha-3 format
        "id": 123, // Bank ID
        "abbr": "EXB", // Bank shortcut name (for internal use)
        "name": "Example Bank", // General bank name
        "nativeName": "Example Bank", // Native bank name
        "currencies": [ // Array with currencies supported by the bank
            {
                "id": 123, // Currency ID in the payment platform
                "alpha_3_4217": "IDR", // Alphabetic code of the payment currency in the ISO-4217 alpha-3 format
                "number_3_4217": "123", // Numeric code of the payment currency in the ISO-4217 alpha-3 format
                "currency_type": "fiat", // Type of the currency
                "exponent": 2 // Number of decimal places after decimal point
            }
        ]
    }
]

Table 1. List of banks

Bank	ID	Purchase	Payout
ABN Amro	63531
Andara	63361
Anglomas International	63331
Arta Niaga Kencana	63471
Bangkok	63341
Bank Aceh Syariah	60101
Bank ANZ Indonesia	60121
Bank Artha Graha	512
BANK ARTOS/BANK JAGO	69181
Bank BCA Syariah	555
Bank Bengkulu	4241
Bank Bisnis International	60151
Bank BRI Agroniaga	60441
Bank Buana IND	77546
Bank BPD Banten	60551
Bank BPD Daerah Istimewa Yogyakarta	69411
Bank BPD NTB	60671
Bank Bukopin	549
Bank Bukopin Syariah	4381
Bank Bumi Arta	4181
Bank Capital Indonesia	60171
Bank Central Asia	140
Bank Centratama Nasional	557
Bank China Construction Indonesia	60191
Bank Chinatrust Indonesia	566
Bank CIMB Niaga	507
Bank CIMB Niaga Syariah	60801
Bank Commonwealth	567
BANK CTBC INDONESIA	60201
Bank Danamon Indonesia	398
Bank DBS Indonesia	514
Bank DKI	4191
Bank EKA	69161
Bank Ekonomi	77566
Bank Ganesha	4301
Bank Hana	551
Bank Harda	2731
Bank Harmoni International	60251
Bank HSBC	513
Bank ICBC	4311
Bank IFI	77586
Bank International Indonesia (BII MayBank)	505
Bank Ina Perdana	4371
Bank Index Selindo	4401
Bank Jabar Banten Syariah	546
Bank Jasa Jakarta	4331
Bank Jenius BTPN	77526
Bank Maliku	4221
Bank Mandiri	143
BANK MANDIRI TASPEN	60851
Bank Mantap	69221
Bank Maspion	2891
Bank Mayapada International	519
Bank MayBank Indonesia	565
Bank MayBank Indonesia Syariah	559
Bank Mayora	556
Bank Mega	547
Bank Mestika	4281
Bank Muamalat Indonesia	539
Bank Multi Arta Sentosa	60351
Bank MULTICOR	69231
Bank Nagari (BPD Sumbar)	526
Bank National Nobu	553
Bank Negara Indonesia	141
Bank Negara Indonesia Syariah	548
Bank NTP	77646
Bank NTT	537
Bank Nusantara Parahyangan	538
Bank OCBC NISP	509
Bank of China Limited	4171
Bank of India Indonesia	60401
Bank Panin	506
Bank Permata	396
Bank Permata Syariah	560
Bank Prima Master	60421
Bank Rakyat Indonesia	142
Bank Rakyat Indonesia Syariah	545
Bank Resona Perdania	60841
Bank Saudara	543
Bank Shinhan Indonesia	60311
Bank Sinamars Syariah	562
Bank Sinarmas	540
Bank Standard Chartered	515
Bank Sulteng	69351
Bank Sultra	4261
Bank Sumut	525
Bank Syariah Mandiri	550
Bank Syariah Mega	554
Bank Tabungan Negara (BTN)	399
Bank Tabungan Negara Syariah (BTN)	561
Bank Tabungan Pensiunan Nasional /BTPN	544
Bank UOB Buana Indonesia	508
Bank Windu Kencana	511
Bank SBI	4351
Bank Sahabat Sampoerna	60461
Bank Sulselbar	60831
Bank Syariah Indonesia (BSI)	69041
Bank Victoria Syariah	4321
Bank Victoria International	60481
Bank Woori Saudara Indonesia 1906	60501
Bank Yudha Bhakti	60511
BJB Syariah	63481
Blu/BCA Digital	69321
BNP Paribas	2711
BPD Aceh	524
BPD BALI	536
BPD DIY	69111
BPD JAMBI	4201
BPD Jawa Barat (Bank BJB)	520
BPD Jawa Tengah	522
BPD Jawa Timur (Bank JATIM)	523
BPD Kalimantan Barat	531
BPD Kalimantan Selatan	530
BPD Kalimantan Tengah	63421
BPD Kalimantan Timur	532
BPD Lampung	529
BPD Nusa Tenggara Barat	535
BPD Riau	527
BPD Papua	4231
BPD Sulawesi Selatan dan Barat	533
BPD Sulawesi Tengah (Bank Sulteng)	4251
BPD Sulawesi Utara	534
BPD Sumatera Selatan	528
BPD Sumsel Dan Babel	63441
BPD Yogyakarta	521
BPR Karyajatnika Sadaya	63491
CIMB Clicks Indonesia	397
CITIBank	510
Deutsche Bank AG	516
Dinar	63371
DOKU	564
Ekspor Indonesia	63461
Haga	77576
Hagakita	77606
IBK	63351
ICB Bumiputera	552
J Trust	63381
Korea Exchange Bank Danamon	63541
Metro Express	63501
MNC Bank	21781
OCBC NISP Syariah	563
Panin Dubai Syariah	69281
Pembangunan Daerah	63411
QNB Kesawan	541
RaboBank	517
Seabank	69712
Sinar Harapan Bali	63511
Sri Partha	77626
Standard Charted	63451
Sulutgo	63431
Sumber Babel	77636
Sumitomo Mitsui	63401
Swadesi	77596
Swaguna	77616
The Bank of Tokyo Mitsubishi UFJ Ltd	4151
J Trust Bank (formerly Bank Mutiara)	518
Virtual Account Bank	400
Windu Kentjana Int	63521

The sections that follow provide detailed information about what you need to perform payments and how you can analyze the information on payments and operations.

General information

In the Banks of Indonesia method, when processing a purchase by using Payment Page, the merchant web service sends a request with all the required parameters and signature to the Monetix URL and accepts the callback with the payment result from the payment platform. When opening Payment Page, you can have Payment Page opened with the Banks of Indonesia method pre-selected. (For more information about pre-selecting payment methods, see Preselecting payment methods.)

The full sequence of the purchase workflow is provided below.

The sections that follow provide details the request format and the Payment Page parameters to use in the Banks of Indonesia payment method and provide the information on the format of callbacks with payment results. For the general information on how to use the API, see Payment Page API Description.

Request format

There are several things you must consider when performing a purchase through the Banks of Indonesia method:

1. You must provide values for the basic minimum of parameters. Listed below are the parameters that are mandatory for any payment method:
   • customer_id—unique ID of the customer within your project
   • customer_email—customer email
   • customer_first_name—customer first name
   • customer_last_name—customer last name
   • project_id—the project ID obtained from Monetix
   • payment_id—payment ID unique within the project
   • payment_currency—payment currency in ISO-4217 alpha-3 format
   • payment_amount—rounded integer purchase amount in minor currency units without any decimal point or comma except for cases where the currency does not have any minor currency units. If the currency has no minor units (that is, the number of digits for minor currency units is zero), then you must set this parameter to the amount in the major currency units. For the information on whether the currency has any minor units, see Currency codes.
2. By default Payment Page is opened in the English language. To change the language of Payment Page and payment page of the Banks of Indonesia service pass a language code in the language_code parameter in the request for the opening. The list of supported languages for the Banks of Indonesia payment method is recommended to check with the Monetix key account manager. For the informational purposes the list of supported languages and their codes are provided below.
   • en—English
   • id—Indonesian
   • ms—Malay
   • my—Burmese
   • th—Thai
   • vi—Vietnamese
   • zh—Chinese
3. There are several options to customize the payment method selection page on Payment Page.
   • Bank selection in two steps This option is used by default. The banks that support Banks of Indonesia payment method are grouped in one button on Payment Page, therefore bank selection is carried out in two steps. On the first step, the Banks of Indonesia method is chosen among others, and then, on the second step, particular bank is selected on the next page with the list of the group banks.
   • Display each bank as a separate button along with other payment methods To show each bank of the Banks of Indonesia group as a separate button, set the split_banks parameter in the payment_methods_options object to true.

     payment_methods_options={"online_indonesian_banks": {"split_banks": true}}

   • Show the banks of only one payment method To show only the banks available in the Banks of Indonesia payment method on Payment Page for customers, pass the code online-indonesian-banks in the force_payment_method parameter. The customer will see only the banks available in the Banks of Indonesia method.
   • Show only selected banks To display a button of specific banks (one or several) from Banks of Indonesia group on Payment Page in the list of payment methods, set force_payment_method to online-indonesian-banks and add an array with IDs of the banks to show on Payment Page in the banks_id parameter. Here an example:

     payment_methods_options={"online_indonesian_banks": {"split_banks": true, "banks_id": [57001, 57011]}}

     Here is an example of a request to open Payment Page with specific pre-selected bank:

     EPayWidget.run(
         {
             project_id: 1234,
             payment_id: 'payment_47',
             customer_id: 'customer_123',
             customer_first_name: 'John',
             customer_last_name: 'Doe',
             customer_email: 'johndoe@email.com',
             payment_currency: 'IDR',
             payment_amount: 25000,
             force_payment_method: 'online-indonesian-banks',
             payment_methods_options: {"online_indonesian_banks": {"banks_id": [133]}},
             signature: "kUi2x9dKHAVNU0FY...vySO\/RLCvhtT4DqtVUkDJrOcZzUCwX6R\/ekpZhkIQg=="
         }
     )

4. If required, you can also add any other additional parameters Payment Page supports. For information about all parameters available in the Banks of Indonesia method, see Payment Page invocation parameters.
5. After you specify all the parameters you need, you must create the signature for the request. For instructions on how to sign a payment request, see Signature generation and verification.

Here is an example of data from a request for Payment Page opening:

EPayWidget.run(
    {
        project_id: 1234, 
        payment_id: 'payment_47',
        customer_id: 'customer_123', 
        payment_currency: 'IDR',
        payment_amount: 20000000, 
        customer_first_name: 'John',
        customer_last_name: 'Doe',
        customer_email: 'johndoe@email.com',
        signature: "kUi2x9dKHAVNU0FYldJrxh4yo+52Kt8KU+Y19vySO\/RLUkDJrOcZzUCwX6R\/ekpZhkIQg=="
    }
)

Callback format

The standard format for callbacks is used to deliver purchase results from Banks of Indonesia. For more information, see Callbacks in Payment Page.

Related topics

The following topics might be useful when implementing payments through Payment Page:

• Integration procedure
• Signature generation and verification
• Payment types, operations and payments
• Operation statuses and response codes

General information

In the Banks of Indonesia method, the merchant web service is required to do the following when processing a purchase by using Gate:

1. Send request with all the required parameters and signature to the Monetix URL.
2. Redirect the customer to the bank service.
3. Accept the callback with the payment result from the payment platform.

The following diagram provides the detailed picture of the payment processing procedure.

The sections that follow discuss in more details the request format and the Gate parameters to use in the Banks of Indonesia payment method and provide the information about formats of the data for redirecting customers and the information about the format of callbacks with payment results. The general information about working with API see in the API Description section.

Request format

1. You initiate purchase by submitting a purchase request to the /v2/payment/banks/indonesia/sale endpoint by using the HTTP method POST. This endpoint belongs to the following group of endpoints for the online banking payments: /v2/payment/banks/{payment_method}/sale.
2. The following objects and parameters must be specified in the request:
   • general—object with general request identification information:
     • project_id—the project ID you obtained from Monetix
     • payment_id—payment ID unique within the project
     • signature—signature created after you specify all the required parameters. For more information about signature generation, see Signature generation and verification.
   • customer—object with customer information:
     • id—the unique ID of the customer within your project
     • ip_address—customer device IP
     • email—customer email
     • first_name—customer first name
     • last_name—customer last name
   • account—object with customer account information:
     • bank_id—bank identifier
   • payment—object with purchase information:
     • amount—rounded integer purchase amount in minor currency units without any decimal point or comma except for cases where the currency does not have any minor currency units. If the currency has no minor units (that is, the number of digits for minor currency units is zero), then you must set this parameter to the amount in the major currency units. For the information on whether the currency has any minor units, see Currency codes.
     • currency—code of purchase currency in the ISO-4217 alpha-3 format
   • return_url—object with the information where to redirect the customer to when the payment is completed or prematurely terminated by the customer:
     • success—the URL to redirect the customer to after the payment is successfully completed
     • decline —the URL to redirect the customer to after the payment is declined
3. The following parameters with the return URLs are optional, but we strongly advise you to specify them in the request to provide your customer a better user experience. If you don't specify any parameters of the return_url object in the request, by default Gate will redirect the customer to the URL specified in your project in Monetix.
   • return_url—object with the information where to redirect the customer to when the payment is completed or prematurely terminated by the customer:
     • return—the URL to redirect the customer to when they prematurely terminate the payment. This URL is also used if the success and decline parameters are not specified in the request.
4. By default the payment page of the Banks of Indonesia service is opened in English language. To change it pass language code in the customer.language parameter in the request. The list of supported languages for the Banks of Indonesia payment method is recommended to check with the Monetix key account manager. For the informational purposes the list of supported languages and their codes are provided below.
   • en—English
   • id—Indonesian
   • ms—Malay
   • my—Burmese
   • th—Thai
   • vi—Vietnamese
   • zh—Chinese
5. If required, you can also add any other additional parameters Gate supports.

Here is an example of data from a purchase request in the Banks of Indonesia method.

{
    "general": {
        "project_id": 1234,
        "payment_id": "payment_47",
        "signature": "PJkV8ej\/UG0Di8hTng6JvC7vQsaC6tajQVVfBaNIipTv+AWoXW\/9MTO8yJA=="
    },
    "customer": {
        "id": "customer_123",
        "ip_address": "198.51.100.47",
        "first_name": "John",
        "last_name": "Doe",
        "email": "johndoe@example.com"
    },
    "account":{
        "bank_id": 140
    },
    "payment": {
        "amount": 35000000,
        "currency": "IDR"
    },
    "return_url": {
        "success": "https://example.com/success/",
        "decline": "https://example.com/decline/",
        "return": "https://example.com/return/"
    } 
}

Formats of the customer redirection data

After receiving and processing your purchase request, the payment platform sends a callback to your web service containing the data to redirect the customer to the bank service.

To redirect the customer, use the values of the following parameters in the redirect_data object:

• url—the URL to redirect the customer to
• body—the data to be sent in the request body
• method—the HTTP method to get an HTML page of the website (for example, POST or GET)
• encrypted—this is the service parameter. Ignore the data it contains.

Here is an example of a piece of callback containing the data to redirect the customer.

"redirect_data": {
    "method": "POST",
    "body": {
        "example_parameter_1": "value_1",
        "example_parameter_2": "value_2"
    },
    "encrypted": [],
    "url": "https://example.com/redirect"
}

Callback format

In the Banks of Indonesia method, the callbacks that deliver purchase results use the standard format described in Callbacks in Gate.

Related topics

The following topics might be useful when implementing payments through Gate:

• Integration procedure
• Signature generation and verification
• Payment types, operations and payments
• Operation statuses and response codes

General information

To perform a payout through the Banks of Indonesia method, merchant's web service sends a request with all the required parameters and signature to Monetix URL, and receives a callback with the payment result. However, depending on the provider which processes the payment, you should contact the Monetix key account manager for confirmation before sending the request. The full sequence of the payout process is provided below.

The sections that follow discuss in more details the request format and the Gate parameters to use in the Banks of Indonesia payment method and provide the information on the format of callbacks with payout results.

Request format

1. You initiate a payout by sending a payout request to the /v2/payment/banks/indonesia/payout endpoint by using the HTTP method POST. This endpoint belongs to the following group of endpoints for the online banking payments: /v2/payment/banks/{payment_method}/payout.
2. The following objects and parameters must be specified in any request:
   • general—object with general request identification information:
     • project_id—the project ID you obtained from Monetix
     • payment_id—payment ID unique within the project
     • signature—signature created after you specify all the required parameters. For more information about signature generation, see Signature generation and verification.
   • customer—object with customer information:
     • id—the unique ID of the customer within your project
     • ip_address—customer device IP
     • email—customer email
     • phone—customer phone number without a plus sign (+), spaces and punctuation. This parameter may not be mandatory. Refer to you Key Account Manager at Monetix for details.
   • account—object with customer account information:
     • number—customer account number
     • customer_name—customer full name
     • bank_id—bank ID
   • payment—object with payout information:
     • amount—rounded integer payout amount in minor currency units without any decimal point or comma except for cases where the currency does not have any minor currency units. If the currency has no minor units (that is, the number of digits for minor currency units is zero), then you must set this parameter to the amount in the major currency units. For the information on whether the currency has any minor units, see Currency codes.
     • currency—code of payout currency in the ISO-4217 alpha-3 format
3. If required, you can also add any other additional parameters that are supported by Gate .

Here is an example of data from a payout request in the Banks of Indonesia method.

{
    "general": {
        "project_id": 2990,
        "payment_id": "payment_47",
        "signature": "PJkV8ej\/UG0Di8hTng6JvC7vQsaC6tajQVVLhNN5e7aRfBaNIipTv+AWoXW\/9MTO8yJA=="
    },
    "payment": {
        "amount": 35000000,
        "currency": "IDR"
      },
    "customer": {
        "id":"2990",
        "ip_address": "248.121.176",
        "email": "johndoe@example.com",
        "phone": "081280101156"
    },
    "account":{
        "bank_id": 140,
        "customer_name": "Putra account",
        "number": "314159265358979"
    }
}

Callback format

In the Banks of Indonesia method, the callbacks that deliver payout results use the standard format described in Callbacks in Gate.

Related topics

The following topics might be useful when implementing payments through Gate:

• Integration procedure
• Signature generation and verification
• Payment types, operations and payments
• Operation statuses and response codes

• single payout—you specify the currency and amount for a payout available for this method and fill in all the fields required for the selected payment method on the Dashboard pages.
• as a part of a mass payment—all the parameters are specified in a CSV file. Refer to the Payouts by using Gate section for the parameters required by your payment method.

Information about completed payouts is available for viewing in the Payments and Manual Payments sections of Dashboard.

For more information about payout processing by using Dashboard, see Performing payouts.

General information

For the Banks of Indonesia method the testing of purchases by using Payment Page and Gate as well as payouts by using Gate.

Testing can be performed within a test project, to enable and disable the testing availability, contact Monetix technical support via support@monetix.pro.

When performing a test payment, take into account that you must specify the identifier of the test project in the requests, the interfaces of the payment forms emulator of Payment Page and Banks of Indonesia differ from the production environment.

Test payments statuses

When testing purchases, the final payment status is determined by the amount specified in the request:

• decline status with 40000 or 40400 amount
• success status with any other amount

When testing payouts, the final payment status is determined by the amount specified in the request:

• decline status with 40000 or 40400 amount
• success status with any other amount

Testing purchase by using Payment Page

To perform a test purchase by using Payment Page, do the following:

1. Send a correct test request for Payment Page opening to the payment platform.
2. If the online-indonesian-banks method was not specified in the request—select the method on the emulator page.
3. If multiple banks are available for selection, select a bank; if only one bank is available, click the Pay button.
4. Click the Success or Decline button (depending on the amount specified in the request).
5. Accept a callback with information about the payment result.

The full information about purchase process by using Banks of Indonesia through Payment Page is provided in the section Purchase by using Payment Page.

Testing purchase by using Gate

To perform a test purchase by using Gate, do the following:

1. Send a correct test request for purchase to the payment platform (the bank_id parameter must be used in the request, refer to Monetix technical support for the parameter value).
2. Accept a callback with redirection data.
3. Go to the received URL and click the Success or Decline button (depending on the amount specified in the request).
4. Accept a callback with information about the payment result.

The full information about purchase process by using Banks of Indonesia through Gate is provided in the section Purchase by using Gate.

Testing payout by using Gate

To perform a test payout by using Gate, send a correct test request to the payment platform and accept a callback with information about the payment result. The full information about payout process by using Banks of Indonesia through Gate is provided in the section Payout by using Gate.

As with other payment methods Monetix offers, when using this method, you have several options to analyze the information about payments and operations.

You can load and analyze all the necessary information in Dashboard (dash-light.trxhost.com), for instance you can use the analytic panels in the Analytics section for this purpose.

Also, you can export the information for further analysis by using third party analytical tools. The following options are available:

• Dashboard allows you to download reports in CSV format by using the tools in the Reports section. You can perform export as a one-time or regular download of data to your local computer.
• Data API allows you to have payment information exported in JSON format and delivered to a URL you specify. The payment information is exported by means of sending requests to the /operations/get endpoint.

If you have any further questions regarding payment data analysis, contact Monetix technical support.