# Initiate Virtual Account

Virtual Account is a product that allows users to make financial transaction easier and more efficient without the need to input your bank account number and other personal information when you want to make payment. This payment method is widely used in online buying and selling bussiness and the purpose is for payment transaction. With a quick look, it is looks like bank transfer , but those two payment method are quite different. In some bank, they allow to use virtual account in standard bank transfer and can be process not only for on us transaction in the same institution (bank) but also can be done from off us transaction. Other bank may implement different flow where virtual account can be process within on us transaction only.

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

| Environment | Method | URL                                                  |
| ----------- | ------ | ---------------------------------------------------- |
| Development | POST   | <https://devo.finnet.co.id/pg/payment/card/initiate> |
| Production  | POST   | <https://live.finnet.co.id/pg/payment/card/initiate> |

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

| No | Name          | Type                                                                    | Mandatory | Min Length | Max Length | Description             |
| -- | ------------- | ----------------------------------------------------------------------- | --------- | ---------- | ---------- | ----------------------- |
| 1  | order         | [Object](/api-reference/appendix/json-object/order-object.md)           | M         | 1          | 12         | Detail of Order         |
| 2  | customer      | [Object](/api-reference/appendix/json-object/customer-object.md)        | M         | 1          | 8          | Detail of Customer      |
| 3  | url           | [Object](/api-reference/appendix/json-object/url-object.md)             | M         | 1          | 4          | Detail of Url           |
| 4  | billing       | [Object](/api-reference/appendix/json-object/billing-object.md)         | O         | 1          | 1          | Detail of Billing       |
| 5  | shipping      | [Object](/api-reference/appendix/json-object/shipping-object.md)        | O         | 1          | 4          | Detail of Shipping      |
| 6  | meta          | [Object](/api-reference/appendix/json-object/meta-object.md)            | O         | 1          | 1          | Detail of MetaData      |
| 7  | card          | [Object](/api-reference/appendix/json-object/card-object.md)            | O         | 1          | 7          | Detail of Card          |
| 8  | recurring     | [Object](/api-reference/appendix/json-object/recurring-object.md)       | O         | 1          | 11         | Detail of Recurring     |
| 9  | sourceOfFunds | [Object](/api-reference/appendix/json-object/source-of-funds-object.md) | M         | 1          | 11         | Detail of SourceOfFunds |
| 10 | device        | [Object](/api-reference/appendix/json-object/device-object.md)          | O         | 1          | 7          | Detail of Device        |

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

```
{
  "customer": {
    "email": "hajar.finnet@gmail.com",
    "firstName": "Hajar",
    "lastName": "Ismail",
    "mobilePhone": "+6281286288844"
  },
  "order": {
    "id": "1680576995412",
    "amount": "1000",
    "description": "Testing"
  },
  "url": {
    "callbackUrl": "https://sandbox.finpay.co.id/simdev/finpay/result/resultfailed.php"
  },
  "sourceOfFunds": {
    "type": "vamandiri"
  }
}
```

### Body Response <a href="#body-response" id="body-response"></a>

| No | Name            | Type                                                              | Mandatory | Min Length | Max Length | Description      |
| -- | --------------- | ----------------------------------------------------------------- | --------- | ---------- | ---------- | ---------------- |
| 1  | responseCode    | [Enum](/api-reference/appendix/enumeration/response-code-list.md) | M         | 1          | 7          | Response Code    |
| 2  | responseMessage | String                                                            | M         | 1          | 500        | Response Message |
| 3  | paymentCode     | String                                                            | M         | 1          | 30         | Payment Code     |
| 4  | redirecturl     | String                                                            | M         | 1          | 320        | Redirect URL     |
| 5  | expiryLink      | String                                                            | M         | 1          | 19         | Expiry Link      |
| 6  | processingTime  | Number                                                            | M         | 1          | 20         | Processing Time  |
| 7  | appurl          | String                                                            | O         | 1          | 320        | App URL          |
| 8  | imageurl        | String                                                            | O         | 1          | 320        | Image URL        |
| 9  | accountList     | Array                                                             | O         | 1          | 4          | Account List     |

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

```
{
  "responseCode": "2000000",
  "responseMessage": "Success",
  "redirecturl": "https://devo.finpay.id/widgetpg/pending/5613",
  "expiryLink": "2023-04-05 09:56:35",
  "paymentCode": "8802700000076850",
  "processingTime": 0.9721949100494385
}
```


---

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