# 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 <a href="#technical-specification" id="technical-specification"></a>

```
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 <a href="#required-headers" id="required-headers"></a>

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

<table><thead><tr><th width="69.83335876464844">No</th><th width="209.83331298828125">Name</th><th width="110.16668701171875">Type</th><th width="109.83331298828125">Mandatory</th><th width="279.9999542236328">Description</th></tr></thead><tbody><tr><td>1</td><td>Content-Type</td><td>String</td><td>M</td><td>Fill with <code>application/json</code></td></tr><tr><td>2</td><td>Authorization</td><td>String</td><td>M</td><td>Access token B2B</td></tr><tr><td>3</td><td>Authorization-Customer</td><td>String</td><td>M</td><td>Access token B2B2C</td></tr><tr><td>4</td><td>X-TIMESTAMP</td><td>String</td><td>M</td><td>Timestamp in RFC3339 format: <code>yyyy-MM-ddTHH:mm:ssTZD</code></td></tr><tr><td>5</td><td>X-PARTNER-ID</td><td>String</td><td>M</td><td>Client ID provided by Finnet</td></tr><tr><td>6</td><td>X-SIGNATURE</td><td>String</td><td>M</td><td>BI SNAP symmetric signature. See <a href="/spaces/0e6BKtpYpb5u7FWksQC3/pages/BTR47insrKZNYAJfX8Mf">Signature</a> for details.</td></tr><tr><td>7</td><td>X-EXTERNAL-ID</td><td>String</td><td>M</td><td>Random string that must be unique within a day for each partner with max <code>36</code> characters</td></tr><tr><td>8</td><td>CHANNEL-ID</td><td>String</td><td>M</td><td>Device identification on which the API services is currently being accessed by the End User (Customer)</td></tr><tr><td>9</td><td>ORIGIN</td><td>String</td><td>M</td><td>The domain of the calling application</td></tr><tr><td>10</td><td>X-IP-ADDRESS</td><td>String</td><td>M</td><td>The IP address of the device</td></tr><tr><td>11</td><td>X-DEVICE-ID</td><td>String</td><td>M</td><td>The unique identifier of the device</td></tr><tr><td>12</td><td>X-LATITUDE</td><td>String</td><td>M</td><td>The latitude coordinate from the device’s GPS</td></tr><tr><td>13</td><td>X-LONGITUDE</td><td>String</td><td>M</td><td>The longitude coordinate from the device’s GPS</td></tr></tbody></table>

### Body Request <a href="#body-request" id="body-request"></a>

<table><thead><tr><th width="69.66667175292969">No</th><th width="149.66668701171875">Name</th><th width="109.66668701171875">Type</th><th width="109.66668701171875">Mandatory</th><th width="109.66668701171875">Min Length</th><th width="109.6666259765625">Max Length</th><th width="169.66668701171875">Description</th></tr></thead><tbody><tr><td>1</td><td>partnerReferenceNo</td><td>String</td><td>M</td><td>1</td><td>64</td><td>Transaction identifier on service consumer system</td></tr><tr><td>2</td><td>customerNumber</td><td>String</td><td>M</td><td>1</td><td>32</td><td>Customer phone number in <code>08xx</code> format</td></tr><tr><td>3</td><td>accountType</td><td>String</td><td>O</td><td>1</td><td>25</td><td>Account type</td></tr><tr><td>4</td><td>amount</td><td>Object</td><td>M</td><td>1</td><td>2</td><td>Transaction amount</td></tr><tr><td>5</td><td>amount.value</td><td>String</td><td>M</td><td>1</td><td>16,2</td><td>Filled with transaction amount value.
<br>2 decimal digits format</td></tr><tr><td>6</td><td>amount.currency</td><td>String</td><td>M</td><td>3</td><td>3</td><td>Filled with <code>IDR</code></td></tr><tr><td>7</td><td>beneficiaryAccountNumber</td><td>String</td><td>M</td><td>1</td><td>32</td><td>Destination account number</td></tr><tr><td>8</td><td>beneficiaryBankCode</td><td>String</td><td>M</td><td>1</td><td>5</td><td>Destination bank code</td></tr><tr><td>9</td><td>additionalInfo</td><td>Object</td><td>M</td><td>1</td><td>2</td><td></td></tr><tr><td>10</td><td>additionalInfo.verificationId</td><td>String</td><td>M</td><td>1</td><td>64</td><td>Verify widget <code>uniqId</code></td></tr><tr><td>11</td><td>additionalInfo.remark</td><td>String</td><td>O</td><td>1</td><td>50</td><td>Transaction remark</td></tr><tr><td>12</td><td>transferType</td><td>String</td><td>M</td><td>1</td><td>10</td><td><p>Type of Transfer Method:</p><p><code>BI-FAST</code>,</p><p><code>RTOL</code></p></td></tr></tbody></table>

#### Sample Request <a href="#sample-request" id="sample-request"></a>

```http
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 <a href="#body-response" id="body-response"></a>

<table><thead><tr><th width="69.66667175292969">No</th><th width="149.66665649414062">Name</th><th width="109.66665649414062">Type</th><th width="109.66668701171875">Mandatory</th><th width="109.66668701171875">Min Length</th><th width="109.66668701171875">Max Length</th><th width="169.66668701171875">Description</th></tr></thead><tbody><tr><td>1</td><td>responseCode</td><td>String</td><td>M</td><td>1</td><td>7</td><td>Response code</td></tr><tr><td>2</td><td>responseMessage</td><td>String</td><td>M</td><td>1</td><td>150</td><td>Response description</td></tr><tr><td>3</td><td>referenceNo</td><td>String</td><td>C</td><td>1</td><td>64</td><td>Transaction identifier on service provider system. Must be filled upon successful transaction</td></tr><tr><td>4</td><td>partnerReferenceNo</td><td>String</td><td>O</td><td>1</td><td>64</td><td>Transaction identifier on service consumer system</td></tr><tr><td>5</td><td>transactionDate</td><td>String</td><td>M</td><td>1</td><td>25</td><td>Transaction date and time in ISO 8601 format.
<br><code>YYYY-MM-DDThh:mm:ssZ</code></td></tr><tr><td>6</td><td>referenceNumber</td><td>String</td><td>M</td><td>1</td><td>64</td><td>Reference number</td></tr></tbody></table>

#### Sample Response <a href="#sample-response" id="sample-response"></a>

```json
{
  "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 <a href="#response-code-message" id="response-code-message"></a>

<table><thead><tr><th width="69.50001525878906">No</th><th width="150.16665649414062">HTTP Code</th><th width="149.83334350585938">Code</th><th>Message</th></tr></thead><tbody><tr><td>1</td><td>200</td><td>2004300</td><td>Successful</td></tr><tr><td>2</td><td>400</td><td>4004300</td><td>Bad request</td></tr><tr><td>3</td><td>400</td><td>4004301</td><td>Invalid field format <code>{field}</code></td></tr><tr><td>4</td><td>400</td><td>4004302</td><td>Invalid mandatory field <code>{field}</code></td></tr><tr><td>5</td><td>401</td><td>4014301</td><td>Invalid token (B2B)</td></tr><tr><td>6</td><td>401</td><td>4014300</td><td>Unauthorised. <code>[Reason]</code></td></tr><tr><td>7</td><td>401</td><td>4014302</td><td>Invalid Customer Token</td></tr><tr><td>8</td><td>401</td><td>4014303</td><td>Token Not Found (B2B)</td></tr><tr><td>9</td><td>401</td><td>4014304</td><td>Customer Token Not Found</td></tr><tr><td>10</td><td>403</td><td>4034301</td><td>Feature not allowed</td></tr><tr><td>11</td><td>403</td><td>4034304</td><td>Activity count limit exceeded</td></tr><tr><td>12</td><td>403</td><td>4034314</td><td>Insufficient Funds</td></tr><tr><td>13</td><td>404</td><td>4044308</td><td>Invalid merchant</td></tr><tr><td>14</td><td>500</td><td>5004300</td><td>General error</td></tr><tr><td>15</td><td>500</td><td>5004301</td><td>Internal Server Error</td></tr><tr><td>16</td><td>500</td><td>5004302</td><td>External Server Error</td></tr><tr><td>17</td><td>504</td><td>5044300</td><td>Timeout</td></tr></tbody></table>


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.finpay.id/api-reference/finpay-money/linkage/transfer-to-bank/payment-transaction.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.