> 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/finpay-pg/core-api/direct-debit/blu-by-bca-digital.md).

# blu by BCA Digital

This service lets customer pay from a **blu by BCA Digital** account after binding.

| Item                     | Value                                                    |
| ------------------------ | -------------------------------------------------------- |
| `sourceOfFunds.type`     | `ddblu`                                                  |
| Account identifier       | Customer mobile phone in international format (`+62...`) |
| Dashboard payment method | `Direct Debit Blu`                                       |
| Currency                 | `IDR`                                                    |

{% hint style="info" %}
blu by BCA Digital does not return a card token. Use the bound mobile phone number as `sourceOfFunds.accountId` for Purchase and Unbinding.
{% endhint %}

### Available services

| Service              | Endpoint                     | Customer interaction                             |
| -------------------- | ---------------------------- | ------------------------------------------------ |
| Binding              | `POST /directdebit/bind`     | blu by BCA Digital hosted page: password and OTP |
| Purchase with PIN    | `POST /initiate`             | blu by BCA Digital hosted page: PIN and OTP      |
| Purchase without PIN | `POST /directdebit/purchase` | None                                             |
| Unbinding            | `POST /directdebit/unbind`   | None                                             |

All requests use the standard Payment Gateway [Authorization & Headers](/finpay-pg/authorization-and-headers.md).

***

### End-to-end flow

Use these diagrams to understand the Direct Debit lifecycle.

### **Binding**

```mermaid
sequenceDiagram
participant Merchant
participant Finpay
participant blu by BCA Digital
participant Customer
Merchant->>Finpay: POST /directdebit/bind
Finpay->>blu by BCA Digital: Request account binding
blu by BCA Digital-->>Finpay: redirectUrl, expiryLink
Finpay-->>Merchant: redirectUrl, expiryLink
Merchant->>Customer: Redirect to redirectUrl
Customer->>blu by BCA Digital: Connect account, consent, password, OTP
blu by BCA Digital->>Finpay: Binding notification
Finpay->>Merchant: Send notification
```

### **Purchase with PIN**

```mermaid
sequenceDiagram
participant Merchant
participant Finpay
participant blu by BCA Digital
participant Customer
Merchant->>Finpay: POST /initiate
Finpay->>blu by BCA Digital: Request payment
blu by BCA Digital-->>Finpay: pinUrl
Finpay-->>Merchant: pinUrl
Merchant->>Customer: Redirect to pinUrl
Customer->>blu by BCA Digital: PIN and OTP
blu by BCA Digital->>Finpay: Debit notification
Finpay->>blu by BCA Digital: Capture payment
Finpay->>Merchant: Send notification
```

### **Purchase without PIN**

```mermaid
sequenceDiagram
participant Merchant
participant Finpay
participant blu by BCA Digital
Merchant->>Finpay: POST /directdebit/purchase
Finpay->>blu by BCA Digital: Request payment
blu by BCA Digital->>Finpay: Debit notification
Finpay->>blu by BCA Digital: Capture payment
Finpay-->>Merchant: Purchase result
Finpay->>Merchant: Send notification
```

### **Unbinding**

```mermaid
sequenceDiagram
participant Merchant
participant Finpay
participant blu by BCA Digital
Merchant->>Finpay: POST /directdebit/unbind
Finpay->>blu by BCA Digital: Request unbinding
blu by BCA Digital-->>Finpay: Unbinding result
Finpay-->>Merchant: Unbinding result
```

{% hint style="warning" %}
Incorrect password, PIN, or OTP is handled on the blu by BCA Digital hosted page. Customers can retry until the link expires.
{% endhint %}


---

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