Payment Transaction

This API initiates the transfer of funds from the sender’s account (held by a Non-PJP Service User, PJP PIAS, or PJP AIS Non-Bank) at a PJP AIS Bank to a beneficiary account at another PJP AIS Bank, routed through a payment infrastructure provider such as RTOL or BI-FAST.

Technical Specification

Service Code: 43

Environment	Method	URL
Development	POST	https://snapstag.finnet.co.id/v1.0/emoney/transfer-bank
Production	POST	https://snap.finnet.co.id/v1.0/emoney/transfer-bank

Required Headers

Use the standard Linkage authentication headers, signature, and device context on every request.

No	Name	Type	Mandatory	Description
1	Content-Type	String	M	Fill with application/json
2	Authorization	String	M	Access token B2B
3	Authorization-Customer	String	M	Access token B2B2C
4	X-TIMESTAMP	String	M	Timestamp in RFC3339 format: yyyy-MM-ddTHH:mm:ssTZD
5	X-PARTNER-ID	String	M	Client ID provided by Finnet
6	X-SIGNATURE	String	M	BI SNAP symmetric signature. See Signature for details.
7	X-EXTERNAL-ID	String	M	Random string that must be unique within a day for each partner with max 36 characters
8	CHANNEL-ID	String	M	Device identification on which the API services is currently being accessed by the End User (Customer)
9	ORIGIN	String	M	The domain of the calling application
10	X-IP-ADDRESS	String	M	The IP address of the device
11	X-DEVICE-ID	String	M	The unique identifier of the device
12	X-LATITUDE	String	M	The latitude coordinate from the device’s GPS
13	X-LONGITUDE	String	M	The longitude coordinate from the device’s GPS

Body Request

No	Name	Type	Mandatory	Min Length	Max Length	Description
1	partnerReferenceNo	String	M	1	64	Transaction identifier on service consumer system
2	customerNumber	String	M	1	32	Customer phone number in 08xx format
3	accountType	String	O	1	25	Account type
4	amount	Object	M	1	2	Transaction amount
5	amount.value	String	M	1	16,2	Filled with transaction amount value. 2 decimal digits format
6	amount.currency	String	M	3	3	Filled with IDR
7	beneficiaryAccountNumber	String	M	1	32	Destination account number
8	beneficiaryBankCode	String	M	1	5	Destination bank code
9	additionalInfo	Object	M	1	2
10	additionalInfo.verificationId	String	M	1	64	Verify widget uniqId
11	additionalInfo.remark	String	O	1	50	Transaction remark
12	transferType	String	M	1	10	Type of Transfer Method: BI-FAST, RTOL

Sample Request

POST .../v1.0/emoney/transfer-bank HTTP/1.2
Content-type: application/json
Authorization: Bearer gp9HjjEj813Y9JGoqwOeOPWbnt4CUpvIJbU1mMU4a11MNDZ7Sg5u9a"
Authorization-Customer: Bearer fa8sjjEj813Y9JGoqwOeOPWbnt4CUpvIJbU1mMU4a11MNDZ7Sg5u9a"
X-TIMESTAMP: 2020-12-23T08:27:11+07:00
X-SIGNATURE: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5
ORIGIN: www.hostname.com
X-PARTNER-ID: 82150823919040624621823174737537
X-EXTERNAL-ID: 41807553358950093184162180797837
X-IP-ADDRESS: 172.24.281.24
X-DEVICE-ID: 09864ADCASA
X-LATITUDE: -6.108841
X-LONGITUDE: 106.7782137
CHANNEL-ID: 95221
{
  "partnerReferenceNo": "2020102900000000000001",
  "customerNumber": "6281388370001",
  "accountType": "tabungan",
  "beneficiaryAccountNumber": "8377388292",
  "beneficiaryBankCode": "002",
  "amount": {
    "value": "10000.00",
    "currency": "IDR"
  },
  "additionalInfo": {
    "verificationId": "310928924949487",
    "remark": "Testing transfer to 2nd love"
  }
}

Body Response

No	Name	Type	Mandatory	Min Length	Max Length	Description
1	responseCode	String	M	1	7	Response code
2	responseMessage	String	M	1	150	Response description
3	referenceNo	String	C	1	64	Transaction identifier on service provider system. Must be filled upon successful transaction
4	partnerReferenceNo	String	O	1	64	Transaction identifier on service consumer system
5	transactionDate	String	M	1	25	Transaction date and time in ISO 8601 format. YYYY-MM-DDThh:mm:ssZ
6	referenceNumber	String	M	1	64	Reference number

Sample Response

{
  "responseCode": "2004300",
  "responseMessage": "Request has been processed successfully",
  "referenceNo": "2020102977770000000009",
  "partnerReferenceNo": "2020102900000000000001",
  "transactionDate": "2020-12-21T17:48:41+07:00",
  "referenceNumber": "REF993883"
}

Response Code & Message

No	HTTP Code	Code	Message
1	200	2004300	Successful
2	400	4004300	Bad request
3	400	4004301	Invalid field format {field}
4	400	4004302	Invalid mandatory field {field}
5	401	4014301	Invalid token (B2B)
6	401	4014300	Unauthorised. [Reason]
7	401	4014302	Invalid Customer Token
8	401	4014303	Token Not Found (B2B)
9	401	4014304	Customer Token Not Found
10	403	4034301	Feature not allowed
11	403	4034304	Activity count limit exceeded
12	403	4034314	Insufficient Funds
13	404	4044308	Invalid merchant
14	500	5004300	General error
15	500	5004301	Internal Server Error
16	500	5004302	External Server Error
17	504	5044300	Timeout