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DocumentationAPI ReferenceDashboardFinpay Website
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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

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

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

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