Purchase with OTP

Initiate a Direct Debit BRI purchase that requires OTP.

Endpoint

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

Body Request

No	Name	Type	Mandatory	Description
1	customer	object	M	Customer identity and contact details.
2	customer.email	string	M
3	customer.firstName	string	M
4	customer.lastName	string	M
5	customer.mobilePhone	string	M	Use international format (example: +628...).
6	order	object	M	Order details.
7	order.id	string	M	Unique order ID from your system.
8	order.amount	string	M	Amount as string (example: "1000").
9	order.currency	string	M	Currency code (example: IDR).
10	order.description	string	M
11	url	object	M	Redirect/callback configuration.
12	url.callbackUrl	string	M	URL to receive payment result callback.
13	sourceOfFunds	object	M	Funding source configuration.
14	sourceOfFunds.type	string	M	Value for BRI Direct Debit: ddbri.
15	sourceOfFunds.accountId	string	M	BRI Direct Debit account token (example format: card_...).

Sample Request

{
  "customer": {
    "email": "[e-mail]",
    "firstName": "Finnet",
    "lastName": "Finpay",
    "mobilePhone": "[phone]"
  },
  "order": {
    "id": "6f2f8d90-5f2f-4b70-9a22-7cb8bdf641b1",
    "amount": "1000",
    "currency": "IDR",
    "description": "Testing"
  },
  "url": {
    "callbackUrl": "https://sandbox.finpay.co.id/simdev/finpay/result/resultsuccess.php"
  },
  "sourceOfFunds": {
    "type": "ddbri",
    "accountId": "card_<your_token>"
  }
}

Body Response

200 OK

Returns application/json.

No	Name	Type	Mandatory	Description
1	responseCode	enum	M
2	responseMessage	string	M
3	referenceNumber	string	M	Reference number for tracking.
4	processingTime	number	M	Processing time in seconds.
5	traceId	string	M	Trace ID for debugging/troubleshooting.

Sample Response

{
  "responseCode": "2000000",
  "responseMessage": "Request has been processed successfully",
  "referenceNumber": "0cd45935-3f7f-4de8-8fb6-48bd6f563e66",
  "processingTime": 6.515192985534668,
  "traceId": "0cd45935-3f7f-4de8-8fb6-48bd6f563e66"
}