> For the complete documentation index, see [llms.txt](https://docs.finpay.id/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.finpay.id/api-reference/finpay-money/linkage/transfer-to-bank/payment-transaction.md).

# 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>


---

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