Introduction

Welcome! Here at Xendit, our mission is to provide payments infrastructure that helps you succeed. We help with both the money in (accepting payments) and money out (disbursing payments). Use cases range from platform business to eCommerce, SaaS, and everything else in between.

The Xendit API is organized around REST. Our API has predictable, resource-oriented URLs, and uses HTTP response codes to indicate API errors. We use built-in HTTP features and HTTP verbs, which are understood by off-the-shelf HTTP clients. JSON is returned by all API responses, including errors.

To make it easier to get familiar with our APIs, we've published a Postman Collection so that you can see examples of all of Xendit APIs in one place.

See our Postman Guide to get started!

Authentication

To successfully authenticate with Xendit's APIs, you must authenticate your secret API key using Basic Auth. You can obtain your API keys in Dashboard. For example if your API key is

xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==

Select Basic Auth authentication. Input secret API key in username and leave the password empty

Basic Auth format
{{username}}:{{password}}

Following the format (with colon)
xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==:

Encode Basic Auth format above into Base64 format

eG5kX2RldmVsb3BtZW50X1A0cURmT3NzME9DcGw4UnRLclJPSGphUVlOQ2s5ZE41bFNmaytSMWw5V2JlK3JTaUN3WjNqdz09Og==

Include Base64 encoded value in HTTP(s) header

Authorization: Basic eG5kX2RldmVsb3BtZW50X1A0cURmT3NzME9DcGw4UnRLclJPSGphUVlOQ2s5ZE41bFNmaytSMWw5V2JlK3JTaUN3WjNqdz09Og==

Xendit API is organized around REST to make it cleaner and easier to understand. All our API responses return JSON. To let you explore our APIs, make sure that you have registered an account. You can obtain and manage your API keys in API Keys Settings. We provide you API keys for both the test and live environments.

To authenticate your account, you have to include your secret API key in the request which can be accessed in Xendit Dashboard. Here are the steps to authenticate your account:

1. Generate secret API key
2. Obtain your secret API key from Dashboard
3. Select Basic Access Authentication or BASIC AUTH authentication
4. BASIC AUTH format will be {{username}}:{{password}}
5. Input Secret API key as username and leave the password empty. Make sure to include : at the end
6. Encode the value above into Base64 format
7. Include the base64 encoded into Authorization header

All the API requests should be made over HTTPS instead of HTTP (all calls made over plain HTTP will fail). All requests made in the test environment will never hit the banking networks and will not cost you anything. Your API keys should be kept private so do not share your secret API keys. Learn more about API key here

Libraries / SDKs

Xendit has official libraries for different programming languages and mobile platforms. We are continuously developing more libraries and plugins. If you have implemented your own library or an example that you would like to share, send us a link to your code and we'll be happy to add it to the list!

Node.js

Install via npm

npm install xendit-node

See the source on Github

Node.js library is a server-side library that helps you to integrate Xendit easily using Node.js.

List of Supported Products

1. Credit/debit cards
2. eWallets
3. Cardless Credit
4. QR Codes
5. Customers
6. Direct Debit
7. Bank Transfer via Virtual Accounts
8. Retail Outlets
9. Invoices
10. Recurring Payments
11. Payouts
12. Disbursements
13. Batch Disbursements

Installation

You can install our Node.js library using npm npm install xendit-node or check out the source on Github

PHP

Download PHP package here

https://packagist.org/packages/xendit/xendit-php

PHP library is a client that is created on top of PHP so it is easier for you to integrate with us to accept payments via our supported payment channels.

You can visit our PHP library in Packagist

There are two versions of Xendit PHP libraries that we support:

• v2 (latest)
• v1

List of Supported Products - Xendit PHP v2

1. Credit/debit cards
2. eWallets
3. Cardless Credit
4. Bank Transfer via Virtual Accounts
5. Retail Outlets
6. Invoices
7. Recurring Payments
8. Payouts
9. Disbursements
10. Batch Disbursements

List of Supported Products - Xendit PHP v1

1. Credit/debit cards
2. Bank Transfer via Virtual Accounts
3. Invoices
4. Disbursements

Installation and Upgrade Guide

Check out our Github source to learn on how to install or upgrade Xendit PHP library

Java

Install Xendit in your Java code

Maven

<dependency>
    <groupId>com.xendit</groupId>
    <artifactId>xendit-java-lib</artifactId>
    <version>SELECTED_VERSION</version>
</dependency>

Gradle

compile 'com.xendit:xendit-java-lib:{SELECTED_VERSION}'

Import Xendit Library

import com.xendit.Xendit; 
import com.xendit.exception.XenditException; 
import com.xendit.model.AvailableBank; 
import com.xendit.model.VirtualAccount;

Java library is a server-side library that helps you to integrate Xendit easily using Java.

List of Supported Products

1. Credit/debit cards
2. eWallets
3. Cardless Credit
4. Bank Transfer via Virtual Accounts
5. Retail Outlets
6. Invoices
7. Recurring Payments
8. Payouts
9. Disbursements
10. Batch Disbursements

Installation

Xendit Java library (Gradle and Maven) installation is easy and simple. For more detail about the steps, refer to the right section

1. Add Xendit dependency in your Java code
2. Import Xendit library
3. Obtain your API keys in Dashboard to start using Xendit Java library APIs.

You can also learn more on our Github source for complete installation guide

Go

See the source on Github

Go library is a server-side library that helps you to integrate Xendit easily using Go programming language.

List of Supported Products

1. Credit/debit cards
2. eWallets
3. Cardless Credit
4. Bank Transfer via Virtual Accounts
5. Retail Outlets
6. Invoices
7. Recurring Payments
8. Payouts
9. Disbursements
10. Batch Disbursements

Installation

You can install our Go library by checking out our source on Github for complete installation guide

Python

Install via pip

pip install xendit-python

See the source on Github

Python library is a server-side library that helps you to integrate Xendit easily using Python.

List of Supported Products

1. Credit/debit cards
2. eWallets
3. Cardless Credit
4. QR Codes
5. Direct Debit
6. Bank Transfer via Virtual Accounts
7. Retail Outlets
8. Invoices
9. Recurring Payments
10. Payouts
11. Disbursements
12. Batch Disbursements

Installation

You can install our Python library using pip pip install xendit-python or check out the source on Github

Android

Download Xendit Android SDK

https://github.com/xendit/xendit-sdk-android

Android SDK helps you to process digital payments using Xendit with features as follow:

1. Tokenize credit/debit cards with single-use token
2. Tokenize credit/debit cards with multiple-use token
3. Authenticate credit/debit card transactions

iOS

Download Xendit iOS SDK

https://github.com/xendit/xendit-sdk-ios

iOS SDK helps you to process digital payments using Xendit with features as follow:

1. Tokenize credit/debit cards with single-use token
2. Tokenize credit/debit cards with multiple-use token
3. Authenticate credit/debit card transactions

Versioning

Versioning Example

curl https://api.xendit.co/ewallets -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   -H X-API-VERSION='2020-02-01' \
   -d external_id='ovo-ewallet' \
   -d amount=1000 \
   -d phone='08123123123'\
   -d ewallet_type='OVO'

Xendit evolves APIs continuously to grow together with you. We always strive to make backward-compatible changes. When we introduce backward-incompatible changes, we release a new dated version to avoid breaking your code and you can upgrade to newer versions whenever you are ready.

To see what version you're running and upgrade to the latest one, visit your Dashboard. To test a specific API version, you can override your API version by attaching API-Version header in API requests

Header	Description
API-Version optional	string Attach this parameter in the request to specify which API version you are going to request Format: YYYY-MM-DD. Example: 2020-02-01 Default value will follow your account API version settings

Backward Compatibility

We consider the following changes to be backward compatible:

• Adding new API resources
• Adding new optional request parameters to existing API methods
• Adding new properties to existing API responses
• Changing the order of properties in existing API responses
• Changing the length or format of any object IDs
• Adding new error codes
• Adding new webhook event types
• Adding new properties to webhook payloads

Migration Guide

The following guide will help you to migrate from your current version to latest version safely

1. Test new APis using explicit API-Version header in Test mode. Make sure you have handled new request,response, errors, and callback data correctly. Test scenarios can be found in Test Scenarios section
2. When everything is working as expected in Test mode, you can switch your Test mode API version in Dashboard. This switches the version used by API calls that don't have the API-Version header and also switches the version to render objects sent to your callback URLs
3. Repeat #1 and #2 respectively in Live mode
4. When faced with any disruption during migration process, you can always switch back to previous versions

Changelog

Version Date	API	Resources Path	Changelog
2020-02-21	eWallets	/ewallets	Create OVO Payment will be processed asynchronously and callback will be sent after process has been completed
2019-05-01	Credit Cards	/credit_card_charges/refunds	Create Refund will be processed synchronously

Errors

Your Xendit integration might have to deal with errors at some point when making API requests to Xendit. These errors fall into a few major categories:

• Content errors occur because the content in the API request was invalid in some way. They return an HTTP response with a 4xx error code. For example, the API servers might return a 401 if an invalid API key was provided, or a 400 if a required parameter was missing
• Network errors occur as a result of intermittent communication problems between client and server. They return low-level errors, like socket or timeout exceptions. For example, a client might time out while trying to read from Xendit's servers, or an API response might never be received because a connection terminates prematurely. Note that a network errors wouldn't necessarily have otherwise been a successful request --- it can also be another type of error that's been cloaked by an intermittent problem
• Server errors occur because of a problem on Xendit's servers. Server errors return an HTTP response with a 5xx error code. Xendit works to make these errors as rare as posslble, but integrations should be able to handle them when they do arise

The right approach and idempotency semantics to use for handling errors depend on the type of error being handled.

HTTP Status Code

Xendit uses conventional HTTP response codes to indicate the success or failure of an API request. In general: Codes in the 2xx range indicate success. Codes in the 4xx range indicate an error that failed given the information provided (e.g., a required parameter was omitted, a charge failed, etc). Codes in the 5xx range indicate an error with Xendit's servers (these are rare).

Status Code	Description
200 - OK	Everything worked as expected
400 - Bad Request	The request was unacceptable, often due to missing a required parameter
401 - Unauthorized	No valid API key provided
403 - Forbidden	The API key doesn't have permissions to perform the request
404 - Not Found	The requested resources doesn't exist
500 - Server Errors	Something went wrong on Xendit's end (These are rare)

Error Code

Below are some of most common errors across all our endpoints. Specific errors are located under each endpoint.

Error Code	Description
API_VALIDATION_ERROR	Invalid request errors arise when your request has invalid parameters
INVALID_API_KEY	No valid API key provided
REQUEST_FORBIDDEN_ERROR	The API key doesn't have permissions to perform the request
SERVER_ERROR	API errors cover any other type of problem (e.g. a temporary problem with Xendit's servers), and are extremely uncommon

Error Handling

Safely retry requests with idempotency

A key part of web API design is the idea of idempotency, defined as being able to apply the same operation multiple times without changing the result beyond the first try. Because a certain amount of intermittent failure is to be expected, clients need a way of reconciling failed requests with a server, and idempotency provides a mechanism for that.

The Xendit API guarantees the idempotency of GET requests, so it's always safe to retry them. Including an idempotency key makes POST and PATCH request idempotent, which prompts the API to do the bookkeeping required to prevent duplicate operations. For example, if a request to create disbursements does not respond due to network connection error, you can retry the request with the same idempotency key to guarantee that no more than one disbursement is created.

Idempotency keys are sent in the x-idempotency-key header, and you should use them for all POST requests to Xendit's API whenever supported. A few common strategies for generating idempotency keys are:

• Use an algorithm that generates a token with good randomness, like UUID v4
• Derive the key from a user-attached object like the ID of a shopping cart. This provides a relatively easy way to protect against double submissions

A response that's being replayed from the server because it had already executed previously can be identified by the error code DUPLICATE_TRANSACTION_ERROR

Content errors

Content errros are the result of the contents of an API request being invalid and return a 4xx error code. Integrations should correct the original request and try again. Depending of the type of user error, it may be possible to handle the problem programmatically.

For a POST operation using an idempotency key, as long as an API method began execution, Xendit's API servers will cache the results of the request regardless of what they were. A request that returns a 400 will send back the same 400 if followed by a new request with the same idempotency key. A fresh idempotency key should be generated when modifying the original request to get a successful result. The safest strategy where 4xx errors are concerned is to always generate a new idempotency key.

Network errors

Network errors are the result of connectivity problems between client and server and tend to manifest as low-level errors like socket or timeout exceptions.

This class of errors is where the value of idempotency keys and request retries is most obvious. When intermittent problems occur, clients are usually left in a state where they don't know whether or not the server received the request. To get a definitive answer, they should retry such requests with the same idempotency keys and the same parameters until they're able to receive a result from the server. Sending the same idempotency with different parameters will produce an error indicating that the new request didn't match the original.

Server errors

Server errors are the result of a server-side problem and return a 5xx error code. These errors are the most difficult to handle, so we try to ensure that they happen as infrequently as possible.

As with the errors, retrying them with the same idempotency key will usually produce the same result. The request can be retried with a new idempotency key, but we'd advice against it because it's possible for the original one to have produced side effects.

The result of a 500 request should be treated as indeterminate. The exact nature of any retroactive changes in the system depend heavily on the type of request. For example, if creating a disbursement returns a 500 error but we detect that the information has gone out to a payment network, we'll try to roll it forward and send callback after it has been completed. If not, we'll try to roll it back. However, ideal results under these circumstances are not guaranteed, and requests resulting in a 500 error may proeduce user-visible side effects.

Integration that want to maximize robustness must configure callback handlers that are capable of receiving events that have never been seen in an API response.

Callback

Xendit uses callback to notify your application any time an event happens on your account. Set up callback for events that Xendit doesn't already notify you of, like when a disbursement has been completed, a Virtual Account has been created and paid, or your invoice has expired.

Setup

You need to provide an endpoint in your system to receive callback from us. The callback notification will be sent over POST request to your callback URL that you have set. Setup your callback URL in Callback settings. You can use a tool like ngrok to make your endpoint available for receiving callback during testing.

Delivery Attempts and Retries

Understand how to view delivery attempts and retry logic when callback events aren't acknowledged

View events

When viewing information about a specific event through the Dashboard's Callback tab, you can check how many times Xendit attempted to send an event to the endpoint. This shows the latest response from your endpoint, a list of all attempted callback, and the respective HTTP status codes Xendit received.

Retry logic

Xendit attempts to deliver your callback six times with exponential backoff between each interval and will stop retrying until we have received response from your server or there is still no response yet

Retry Number	Interval (relative to last retry)	Interval (relative to original attempt)
1	15m	15m
2	45m	1h
3	2h	3h
4	3h	6h
5	6h	12h
6	12h	24h

Receive callback statistics via email

You can also receive summary of your callback statistics (number of success and failed callback) via email every 6 hours. You can enable this feature in Email Recipient settings

Event Handling

Handling callback events correctly is crucial to making sure your integration's business logic works as expected

Acknowledge events immediately

If your callback script performs complex logic, or makes network calls, it's possible that the script would time out before Xendit sees its complete execution. Ideally, your callback handler code (acknowledging receipt of an event by returning a 2xx status code) is separate of any other logic you do for that event.

Handle duplicate events

Callback endpoints might occasionally receive the same event more than once. We advise you to guard against duplicated event receipts by making your event processing idempotent. One way of doing this is logging the events you've processed, and then not processing already-logged events.

Order of events

Xendit does not guarantee delivery of events in the order in which they are generated. Your endpoint should not expect delivery of these events in this order and should handle this accordingly. You can also use the API to fetch any missing objects.

Security

Keeping your endpoints secure is critical to protecting your customers' information. Xendit provides several ways for you to verify events are coming from Xendit in a secure manner.

Receive events with an HTTPS server

If you use an HTTPS URL for your callback endpoint, Xendit will validate that the connection to your server is secure before sending your callback data. For this to work, your server must be correctly configured to support HTTPS with a valid server certificate.

Verify events are sent from Xendit

Xendit can optionally sign the callback events it sends to your endpoints. We do so by including a token in each event's x-callback-token header. This allows you to verify that the events were sent by Xendit, not by a third party.

Header Parameter	Description
x-callback-token	string Your Xendit unique callback token to verify the origin of the callback

Before you can verify tokens, you need to retrieve your callback token from Dashboard's Callback settings. Each secret is unique to each environments.

Balances

Get Balance

Endpoint: Get Balance

GET https://api.xendit.co/balance?account_type={account_type}

Balance is like your wallet since it will tell you how much money is available to you on Xendit. You can retrieve it to see the current balance on your Xendit cash account. Your balance is debited on any money out transaction, e.g. when performing disbursements or Xendit fees are charged. Your balance is credited when money comes into your account, e.g. invoices are paid or you deposit funds.

Request Parameters

Example Get Balance Request

curl https://api.xendit.co/balance -X GET \
-u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:

<?php

  use Xendit\Xendit;
  require 'vendor/autoload.php';

  Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=='); // this is Xendit API key example, you can go to Setting > API Key to get your API Key

  $getBalance = \Xendit\Balance::getBalance('CASH');
  var_dump($getBalance);

?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { Balance } = x;
const balanceSpecificOptions = {};
const b = new Balance(balanceSpecificOptions);

const resp = await b.getBalance()
console.log(resp);

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  Balance balance = Balance.get();
} catch (XenditException e) {
  e.printStackTrace();
}

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

data := balance.GetParams{
  AccountType: "CASH",
}

resp, err := balance.Get(&data)
if err != nil {
  log.Fatal(err)
}

fmt.Printf("balance: %+v\n", resp)

from xendit import Xendit, BalanceAccountType

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
Balance = xendit_instance.Balance

balance = Balance.get(
    account_type=BalanceAccountType.CASH,
)

print(balance)

Get Balance allows you to retrieve the balance of your cash and pending balance. Some use cases include: deciding when you may need to withdraw funds, and determining if you have funds to disburse

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Query Parameter	Type	Description
account_type optional default: CASH	string	The selected balance type available values: CASH, HOLDING, TAX

Response Parameters

Example Get Balance Response

{
  "balance": 1241231
}

Parameter	Description
balance	The balance remaining in your cash account

Payment Channels

Get Payment Channels

Endpoint: Get Payment Channels API

GET https://api.xendit.co/payment_channels

Example Get Payment Channels

curl https://api.xendit.co/payment_channels -X GET \
-u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:

Request Parameters

Returns an array of payment channel objects. Use this to identify which payment channels have been enabled for your business.

Header Parameter	Type	Description
for-user-id optional	string	The Sub-account user-id that you want to make this transaction for This header is only used if you have access to xenPlatform. See xenPlatform for more information.

Response Parameters

Example Get Payment Channels Response

[
  {
    "business_id": "xxxxxxxx",
    "is_livemode": true, 
    "channel_code": "BRI",
    "name": "BRI Virtual account",
    "currency": "IDR",
    "channel_category": "VIRTUAL_ACCOUNT",
    "is_enabled": false
  },
  {
    "business_id": "xxxxxxxx",
    "is_livemode": true, 
    "channel_code": "MASTERCARD",    
    "name": "Mastercard credit and debit cards",
    "currency": "IDR",
    "channel_category": "CREDIT_CARD",
    "is_enabled": true     
  },
  {
    "business_id": "xxxxxxxx",
    "is_livemode": true, 
    "channel_code": "MASTERCARD",    
    "name": "Mastercard credit and debit cards",
    "currency": "USD",
    "channel_category": "CREDIT_CARD",
    "is_enabled": true     
  }
  ...
]

Parameter	Type	Description
business_id required	string	Your business ID
is_livemode required	boolean	true When making the request with your live API key. false when making the request with your test API key
channel_code required	string	Payment channel code.
name required	string	Payment channel name
currency required	string	Processing currency of the payment channel. Based on ISO 4217 currency code.
channel_category required	string	Payment channel category. Available values: VIRTUAL_ACCOUNT, RETAIL_OUTLET, EWALLET,CREDIT_CARD, QRIS
is_enabled required	boolean	When true, an API request can be successfully made for the business with the payment channel. When false, the API request will fail. You should activate the payment channel in the dashboard settings to make it successfully

Customers

An API to manage end customer information. Supports storage of customer profiles for businesses and individuals, along with their KYC documentation and other account information. For use in support of various payment use-cases throughout the Xendit Payment APIs, including utilising the Direct Debit channel, to fulfil KYC requirements for remittance payments, or for enhanced payments reporting.

Customer Object

Example Customer Object

{
    "id": "239c16f4-866d-43e8-9341-7badafbc019f",
    "reference_id": "demo_1475801962607",
    "email": "customer@website.com",
    "mobile_number": null,
    "given_names": "John",
    "description": null,
    "middle_name": null,
    "surname": "Doe",
    "phone_number": "+6285300000000",
    "nationality": "ID",
    "addresses": [{
        "country": "ID",
        "street_line1": "Jalan Makan",
        "street_line2": "Kecematan Kebayoran Baru",
        "city": "Jakarta Selatan",
        "province": "Daerah Khusus Ibukota Jakarta",
        "state": null,
        "postal_code": "12160"
    }],
    "date_of_birth": "2000-01-01",
    "metadata": null
}

Version

You are currently viewing API version 2020-05-19. New version is available! Click here to view newer versions.

Parameter	Description
id	string Unique ID generated by Xendit for the particular customer
reference_id	string Identifer you provided during request
mobile_number	string Mobile number of the customer
email	string Email address of the customer
given_names	string Primary of first name/s of the customer
middle_name	string Middle name of the customer
surname	string Surname of the customer
description	string Description you provided for the customer object
phone_number	string Alternate or landline phone number
nationality	string Country code for the customer's nationality
addresses	object array Array of objects containing the specific customer's address information Key Value country required 2-letter ISO 3166-2 country code for the customer's country of residence street_line1 optional Building name and apartment unit number street_line2 optional Building street address city optional City, village or town as appropriate province optional Geographic area, province, or region, if applicable state optional Formal state designation within country, if applicable postal_code optional Postal, zip or rural delivery code, if applicable
date_of_birth	string Date of birth of the customer in YYYY-MM-DD format
metadata	object A free-format JSON for additional information that you provded during request.

Create Customer

A customer object is required in order to link a payment method for direct debit. This allows you to easily link and track payment methods and transactions.

Endpoint: Create Customer

POST https://api.xendit.co/customers

Version

You are currently viewing API version 2020-05-19. New version is available! Click here to view newer versions.

Create Customer - Request

Example Create Customer Request

curl https://api.xendit.co/customers -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   -H 'Content-Type: application/json' \
   -d reference_id=demo_1475801962607 \
   -d given_names="John" \
   -d mobile_number="+6287774441111" \
   -d email="customer@website.com" \

<?php
  $url = "https://api.xendit.co/customers";
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = [];
  $headers[] = "Content-Type: application/json";
  $data = [
    "given_names" => "John",
    "reference_id" => "demo_1475801962607",
    "mobile_number" => "+6287774441111",
    "email" => "customer@website.com"
  ];

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_POST, true);
  curl_setopt($curl, CURLOPT_POSTFIELDS, $payload);
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { Customer } = x;
const customerSpecificOptions = {};
const c = new Customer(customerSpecificOptions);

const resp = await c.createCustomer({
  referenceID:'demo_1475801962607',
  givenNames: 'John',
  mobileNumber: '+6287774441111',
  email: 'customer@website.com',
});
console.log(resp);

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
DirectDebit = xendit_instance.DirectDebit

customer = DirectDebit.create_customer(
    reference_id="merc-1594279037",
    email="t@x.co",
    given_names="Adyaksa",
)
print(customer)

Header	Description
for-user-id optional	string The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Request Body Parameter	Description
reference_id required	string Merchant-provided identifier for the customer
mobile_number either mobile_number or email is required	string Mobile number of the customer in E.164 international standard. Format: +(country code)(subscriber number)
email either mobile_number or email is required	string Email address of the customer
given_names required	string Primary of first name/s of the customer
middle_name optional	string Middle name of the customer
surname optional	string Surname of the customer
description optional	string Merchant-provided description for the customer object
phone_number optional	string Alternate or landline phone number in E.164 international standard. Format: +(country code)(subscriber number)
nationality optional	string 2-letter ISO 3166-2 country code for the customer's nationality
addresses optional	array of object Array of objects containing the specific customer's address information Each object may have the following properties: Key Value country required 2-letter ISO 3166-2 country code for the customer's country of residence street_line1 optional Building name and apartment unit number street_line2 optional Building street address city optional City, village or town as appropriate province optional Geographic area, province, or region, if applicable state optional Formal state designation within country, if applicable postal_code optional Postal, zip or rural delivery code, if applicable
date_of_birth optional	string Date of birth of the customer in YYYY-MM-DD format
metadata optional	object A free-format JSON for additional information that you may use.

Create Customer - Response

Example Create Customer Success Response

{
    "id": "239c16f4-866d-43e8-9341-7badafbc019f",
    "reference_id": "demo_1475801962607",
    "email": "customer@website.com",
    "mobile_number": null,
    "given_names": "John",
    "description": null,
    "middle_name": null,
    "surname": null,
    "phone_number": null,
    "nationality": null,
    "addresses": null,
    "date_of_birth": null,
    "metadata": null
}

Parameter	Description
id	string Unique ID generated by Xendit for the particular customer
reference_id	string Identifer you provided during request
mobile_number	string Mobile number of the customer
email	string Email address of the customer
given_names	string Primary of first name/s of the customer
middle_name	string Middle name of the customer
surname	string Surname of the customer
description	string Description you provided for the customer object
phone_number	string Alternate or landline phone number
nationality	string Country code for the customer's nationality
addresses	object array Array of objects containing the specific customer's address information Key Value country required 2-letter ISO 3166-2 country code for the customer's country of residence street_line1 optional Building name and apartment unit number street_line2 optional Building street address city optional City, village or town as appropriate province optional Geographic area, province, or region, if applicable state optional Formal state designation within country, if applicable postal_code optional Postal, zip or rural delivery code, if applicable
date_of_birth	string Date of birth of the customer in YYYY-MM-DD format
metadata	object A free-format JSON for additional information that you provded during request.

Create Customer - Errors

See other common errors here.

Error Code	Description
DUPLICATE_ERROR 409	The provided reference_id has been used before. Please enter a unique reference_id and try again.

Get Customer by Reference ID

Retrieves an array with a customer object that matches the provided reference_id - the identifier provided by you

Endpoint: Get Customer by Reference ID

GET https://api.xendit.co/customers?reference_id={reference_id}

Version

You are currently viewing API version 2020-05-19. New version is available!

Get Customer by Reference ID - Request

Example Get Customer by Reference ID Request

curl https://api.xendit.co/customers?reference_id=demo_1475801962607 -X GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: 

<?php
  $url = "https://api.xendit.co/customers";
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = [];
  $headers[] = "Content-Type: application/json";

  $queryString = "?reference_id=demo_1475801962607";

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url.$queryString);
  curl_setopt($curl, CURLOPT_CUSTOMREQUEST, "GET");
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { Customer } = x;
const customerSpecificOptions = {};
const c = new Customer(customerSpecificOptions);

const resp = await c.getCustomerByReferenceID({
  referenceID: 'demo_1475801962607',
});
console.log(resp);

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
DirectDebit = xendit_instance.DirectDebit

customer = DirectDebit.get_customer_by_ref_id(
    reference_id="merc-1594279037",
)
print(customer)

Query String Parameter	Description
reference_id required	string Merchant-provided identifier for the customer

Get Customer by Reference ID - Response

Example Get Customer by Reference ID Success Response

[{
    "id": "239c16f4-866d-43e8-9341-7badafbc019f",
    "reference_id": "demo_1475801962607",
    "email": "customer@website.com",
    "mobile_number": null,
    "given_names": "John",
    "description": null,
    "middle_name": null,
    "surname": null,
    "phone_number": null,
    "nationality": null,
    "addresses": null,
    "date_of_birth": null,
    "metadata": null
}]

Header	Description
for-user-id optional	string The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Parameter	Description
id	string Unique ID generated by Xendit for the particular customer
reference_id	string Identifer you provided during request
mobile_number	string Mobile number of the customer
email	string Email address of the customer
given_names	string Primary of first name/s of the customer
middle_name	string Middle name of the customer
surname	string Surname of the customer
description	string Description you provided for the customer object
phone_number	string Alternate or landline phone number
nationality	string Country code for the customer's nationality
addresses	object array Array of objects containing the specific customer's address information
date_of_birth	string Date of birth of the customer in YYYY-MM-DD format
metadata	object A free-format JSON for additional information that you provded during request.

Get Customer by Reference ID - Errors

See other common errors here.

Files

An API to store and manage files for any purpose. Files may be used in any payments endpoint, including for example, KYC documentation for customers and remittance payments, or providing evidence to help support chargeback investigations.

Upload File

Make a POST request to this endpoint to upload a file. We currently support uploading PNG, JPG/JPEG, PDF files of less than 10 MB.

Endpoint: Upload File

POST https://api.xendit.co/files

Request parameters

Example Upload File Request

curl https://api.xendit.co/files -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   --form 'file=@/Users/utkarshagarwal/Desktop/Screenshot 2020-10-13 at 5.28.45 PM.png' \
   --form 'purpose=CHARGEBACK_EVIDENCE'

<?php
  $url = "https://api.xendit.co/files";
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==";
  $headers = [];
  $headers[] = "Content-Type: application/json";
  $payload = array('file'=> new CURLFILE('~/yourpath/file.png'),'purpose' => 'CHARGEBACK_EVIDENCE');

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_POST, true);
  curl_setopt($curl, CURLOPT_POSTFIELDS, $payload);
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

let apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==";
let url = "https://api.xendit.co/files";

var headers = new Headers();
headers.append("Authorization", "Basic " + btoa(apiKey + ":"));
var formdata = new FormData();
formdata.append("file", fileInput.files[0], "file.png");
formdata.append("purpose", "CHARGEBACK_EVIDENCE");

var requestOptions = {
  method: 'POST',
  headers: headers,
  body: formdata,
  redirect: 'follow'
};

fetch(url, requestOptions)
  .then(response => response.text())
  .then(result => console.log(result))
  .catch(error => console.log('error', error));

import requests
import base64

api_key = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:"
url = "https://api.xendit.co/files"

api_key_bytes = api_key.encode('ascii')
base64_bytes = base64.b64encode(api_key_bytes)
base64_token = base64_bytes.decode('ascii')

payload={'purpose': 'CHARGEBACK_EVIDENCE'}
files=[
  ('file', open('/yourpath/file.png','rb'))
]
auth_token = 'Basic ' + base64_token
headers = {
  'Authorization': auth_token
}

response = requests.request("POST", url, headers=headers, data=payload, files=files)

print(response.text)

Body Parameter	Type	Description
purpose required	string	Purpose of the file being uploaded Supported values: KYC_DOCUMENT, CHARGEBACK_EVIDENCE
file required	file	The file. Supported types: application/pdf, image/png, image/jpg, image/jpeg

Response parameters

Example Upload File Success Response

{
  "id": "file-ec700c1c-db17-4496-b1fb-04ebe551b412",
  "business_id": "ec700c1c-db17-4496-b1fb-04ebe551b412",
  "purpose": "CHARGEBACK_EVIDENCE",
  "created": "2020-10-08T06:38:33.479Z",
  "updated": "2020-10-08T06:38:33.479Z",
  "type": "image/png",
  "size": 10000,
  "url": "https://files.xendit.co/file-ec700c1c-db17-4496-b1fb-04ebe551b412"
}

Body Parameter	Type	Description
id required	string	Unique ID generated by Xendit for the particular file
business_id required	string	Your Xendit business id
purpose required	string	Purpose of the file
created required	string	UTC Timestamp of file upload in ISO format
updated required	string	UTC Timestamp of last file update in ISO format
type required	string	Type of the file
size required	integer	Size of the file in bytes
url required	string	URL to download the file

Error Codes

See other common errors here.

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation. The errors field contains details about which fields are violating validation.
FILE_TOO_LARGE_EXCEEDED_ERROR 413	The file size is greater than 2000000 bytes and exceeded size limits. Please compress the payload before retrying
UNSUPPORTED_CONTENT_TYPE_ERROR 415	The file format is not supported. Please review the file type before retrying
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here
RATE_LIMIT_EXCEEDED 429	You have reached the rate limit for file transfer. Please exponentially back off requests until you no longer receive this error

Get File by Id

Make a GET request to this endpoint to get file details

Endpoint: Get File

GET https://api.xendit.co/files/{file-id}

Example Get File Request

curl https://api.xendit.co/files/file-ec700c1c-db17-4496-b1fb-04ebe551b412 --request GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:

<?php

  $fileId = "file-ec700c1c-db17-4496-b1fb-04ebe551b412";
  $url = "https://api.xendit.co/files/" . $fileId;
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = [];

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_CUSTOMREQUEST, "GET");
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

let apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==";
let fileId= "file-ec700c1c-db17-4496-b1fb-04ebe551b412";
let url = "https://api.xendit.co/files/"+fileId;

var headers = new Headers();
headers.append("Authorization", "Basic " + btoa(apiKey + ":"));


var requestOptions = {
  method: 'GET',
  headers: headers,
  redirect: 'follow'
};

fetch(url, requestOptions)
  .then(response => response.text())
  .then(result => console.log(result))
  .catch(error => console.log('error', error));

import requests
import base64

api_key = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:"
url = "https://api.xendit.co/files/file-ec700c1c-db17-4496-b1fb-04ebe551b412"

api_key_bytes = api_key.encode('ascii')
base64_bytes = base64.b64encode(api_key_bytes)
base64_token = base64_bytes.decode('ascii')
payload={}

auth_token = 'Basic ' + base64_token
headers = {
  'Authorization': auth_token
}

response = requests.request("GET", url, headers=headers, data=payload)

print(response.text)

Response parameters

Example Get File Success Response

{
  "id": "file-ec700c1c-db17-4496-b1fb-04ebe551b412",
  "business_id": "ec700c1c-db17-4496-b1fb-04ebe551b412",
  "purpose": "CHARGEBACK_EVIDENCE",
  "created": "2020-10-08T06:38:33.479Z",
  "updated": "2020-10-08T06:38:33.479Z",
  "type": "image/png",
  "size": 10000,
  "url": "https://files.xendit.co/file-ec700c1c-db17-4496-b1fb-04ebe551b412"
}

Body Parameter	Type	Description
id required	string	Unique ID generated by Xendit for the particular file
business_id required	string	Your Xendit business id
purpose required	string	Purpose of the file
created required	string	UTC Timestamp of file upload in ISO format
updated required	string	UTC Timestamp of last file update in ISO format
type required	string	Type of the file
size required	integer	Size of the file in bytes
url required	string	URL to download the file

Error Codes

See other common errors here.

Error Code	Description
DATA_NOT_FOUND 404	File not found for the given id

Download File by Id

Make a GET request to this endpoint to download a file

Endpoint: Download File

GET https://api.xendit.co/files/{file-id}/download

Example Download File Request

curl https://api.xendit.co/files/file-ec700c1c-db17-4496-b1fb-04ebe551b412/download --request GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:

<?php

  $fileId = "file-ec700c1c-db17-4496-b1fb-04ebe551b412";
  $url = "https://api.xendit.co/files/" . $fileId . "/download";
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = [];

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_CUSTOMREQUEST, "GET");
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

let apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==";
let fileId= "file-ec700c1c-db17-4496-b1fb-04ebe551b412";
let url = "https://api.xendit.co/files/"+fileId+"/download";

var headers = new Headers();
headers.append("Authorization", "Basic " + btoa(apiKey + ":"));


var requestOptions = {
  method: 'GET',
  headers: headers,
  redirect: 'follow'
};

fetch(url, requestOptions)
  .then(response => response.text())
  .then(result => console.log(result))
  .catch(error => console.log('error', error));

import requests
import base64

api_key = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:"
url = "https://api.xendit.co/files/file-ec700c1c-db17-4496-b1fb-04ebe551b412/download"

api_key_bytes = api_key.encode('ascii')
base64_bytes = base64.b64encode(api_key_bytes)
base64_token = base64_bytes.decode('ascii')
payload={}

auth_token = 'Basic ' + base64_token
headers = {
  'Authorization': auth_token
}

response = requests.request("GET", url, headers=headers, data=payload)

print(response)

Error Codes

See other common errors here.

Error Code	Description
DATA_NOT_FOUND 404	File not found for the given id
RATE_LIMIT_EXCEEDED 429	You have reached the rate limit for file transfer. Please exponentially back off requests until you no longer receive this error

Delete File by Id

Make a Delete request to this endpoint to delete the file

Endpoint: Delete File

DELETE https://api.xendit.co/files/{file-id}

Example Delete File Request

curl https://api.xendit.co/files/file-ec700c1c-db17-4496-b1fb-04ebe551b412 --request DELETE \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:

<?php

  $fileId = "file-ec700c1c-db17-4496-b1fb-04ebe551b412";
  $url = "https://api.xendit.co/files/" . $fileId;
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = [];

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_CUSTOMREQUEST, "DELETE");
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

let apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==";
let fileId= "file-ec700c1c-db17-4496-b1fb-04ebe551b412";
let url = "https://api.xendit.co/files/"+fileId;

var headers = new Headers();
headers.append("Authorization", "Basic " + btoa(apiKey + ":"));


var requestOptions = {
  method: 'DELETE',
  headers: headers,
  redirect: 'follow'
};

fetch(url, requestOptions)
  .then(response => response.text())
  .then(result => console.log(result))
  .catch(error => console.log('error', error));

import requests
import base64

api_key = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:"
url = "https://api.xendit.co/files/file-ec700c1c-db17-4496-b1fb-04ebe551b412"

api_key_bytes = api_key.encode('ascii')
base64_bytes = base64.b64encode(api_key_bytes)
base64_token = base64_bytes.decode('ascii')
payload={}

auth_token = 'Basic ' + base64_token
headers = {
  'Authorization': auth_token
}

response = requests.request("DELETE", url, headers=headers, data=payload)

print(response.text)

Response parameters

Example Delete File Success Response

{
  "is_deleted": true,
  "id": "file-ec700c1c-db17-4496-b1fb-04ebe551b412",
  "business_id": "b647524d-9c5d-414c-843a-3c819853d6b0"
}

Body Parameter	Type	Description
id required	string	Unique ID generated by Xendit for the particular file
business_id required	string	Your Xendit business id
is_deleted required	boolean	Deletion status. True if file was successfully deleted

Error Codes

See other common errors here.

Error Code	Description
DATA_NOT_FOUND 404	File not found for the given id

Reports

An API to generate and get report. The available report are Balance and Transaction Report. You can use this endpoint to automate the report generation process. You can use the content of the report to get the detail of transactions and do reconciliation. The report on this API is equivalent to the report that you can download from dashboard.

Report Object

Report Object Example

{
    "id": "report_5c1b34a2-6ceb-4c24-aba9-c836bac82b28",
    "type": "BALANCE_HISTORY",
    "status": "COMPLETED",
    "filter": {
        "from": "2021-06-23T04:01:55.574Z",
        "to": "2021-06-24T04:01:55.574Z"
    },
    "format": "CSV",
    "url": "https://transaction-report-files.s3-us-west-2.amazonaws.com/{report_name}",
    "currency": "IDR",
    "business_id": "5f34f60535ba7c1c0eed846a",
    "created": "2021-06-24T04:01:55.570Z",
    "updated": "2021-06-24T04:01:55.570Z"
}

Body Parameter	Type	Description
id required	string	The unique id of report. It will have report_ as prefix.
type required	string	The type of report. Available types: Type Description BALANCE_HISTORY Report that shows the historical line per line of your balance. This report is equivalent to Balance History tab in Dashboard. See Balance History Report for more information. TRANSACTIONS Report that shows history of transaction. This report is equivalent to Transactions tab in Dashboard. See Transactions Report for more information. UPCOMING_TRANSACTIONS Report that shows the list of upcoming (incoming & outgoing) transactions. This report is equivalent to Upcoming Transaction tab in Dashboard.
filter required	object	Filtering that are applied to report. Filter Parameter Key Value from required string (ISO 8601) The start time of the transaction on the report at UTC+0. to required string (ISO 8601) The end time of the transaction on the report at UTC+0.
format required	string	The format of the report. Available format is CSV.
status required	string	The status of the report. The status will be PENDING when you hit generate the report and will change after that. Type Description PENDING The report is acknowledged and being processed. COMPLETED The report is done and the file can be downloaded. FAILED The report is failed to be generated. Failed report is safe to retry.
url optional	string	URL to download after report is completed. The file to download will only be accessible for 24 hours. When the url is expired, you will need to send a new request to generate the report.
currency required	string	The currency inside the report. See our supported currencies.
business_id required	string	The id of business where this transaction belong to.
created required	string (ISO 8601	The time when the report request is created at UTC+0.
updated required	string (ISO 8601	The time when the report is updated at UTC+0.

Generate Report

Endpoint: Generate Report

POST https://api.xendit.co/reports

Request this endpoint to generate the report. You can specify the type and filter the content of the report. The flow of this endpoint is asynchronous. It means Xendit will send callbacks to you after the report is done. See report callback for more information. Alternatively, you can use the get report endpoint to get the report status and its detail.

Request Parameters

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to get this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Example Generate Report Request

curl https://api.xendit.co/reports -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   -d type=BALANCE_HISTORY \
   -d currency=IDR

Example Generate Report Response

{
    "id": "report_5c1b34a2-6ceb-4c24-aba9-c836bac82b28",
    "type": "BALANCE_HISTORY",
    "status": "PENDING",
    "filter": {
        "from": "2021-06-23T04:01:55.574Z",
        "to": "2021-06-24T04:01:55.574Z"
    },
    "format": "CSV",
    "currency": "IDR",
    "business_id": "5f34f60535ba7c1c0eed846a",
    "created": "2021-06-24T04:01:55.570Z",
    "updated": "2021-06-24T04:01:55.570Z"
}

Body Parameter	Type	Description
type required	string	The type of report that will be generated. Available types: Type Description BALANCE_HISTORY Report that shows the historical line per line of your balance. This report is equivalent to Balance History tab in Dashboard. See Balance History Report for more information. TRANSACTIONS Report that shows history of transaction. This report is equivalent to Transactions tab in Dashboard. See Transactions Report for more information. UPCOMING_TRANSACTIONS Report that shows the list of upcoming (incoming & outgoing) transactions. This report is equivalent to Upcoming Transaction tab in Dashboard.
filter required	object	Filtering that are applied to report. Filter Parameter Key Value from string (ISO 8601) required The start time of the transaction to be filtered. If not specified, from is 24 hours before current time to string (ISO 8601) required The end time of the transaction to be filtered. If not specified, to is current time. This means if both from and to is not specified, the report will generate the last 24 hours of data. The combination of from and to must be less than 31 days.
format optional default: CSV	string	The format of the report. Available format is CSV.
currency optional default: IDR	string	The currency to filter. See our supported currencies.

Response Parameters

Return Report Object with status code 201

Error Codes

See other common errors here.

Error Code	Description
FEATURE_NOT_AVAILABLE 400	During this beta, some of customer may encounter this error. Please contact our customer support to enable this feature.
INVALID_DATE_RANGE 400	The from and to filter range is too huge. Please reduce the range according to limit on the request parameter.

Get Report

Endpoint: Get Report

GET https://api.xendit.co/reprots/{report_id}

Request this endpoint to get single specific report details by report id. You can use this endpoint as alternative compared to using the report callback.

Request Parameters

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to get this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Example Get Report

curl https://api.xendit.co/transactions/report_5c1b34a2-6ceb-4c24-aba9-c836bac82b28 -X GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:

Example Get Report Response

{
    "id": "report_5c1b34a2-6ceb-4c24-aba9-c836bac82b28",
    "type": "BALANCE_HISTORY",
    "status": "COMPLETED",
    "filter": {
        "from": "2021-06-23T04:01:55.574Z",
        "to": "2021-06-24T04:01:55.574Z"
    },
    "format": "CSV",
    "url": "https://transaction-report-files.s3-us-west-2.amazonaws.com/{report_name}",
    "currency": "IDR",
    "business_id": "5f34f60535ba7c1c0eed846a",
    "created": "2021-06-24T04:01:55.570Z",
    "updated": "2021-06-24T04:01:55.570Z"
}

Path Parameter	Type	Description
report_id required	string	The id of report.

Response Parameters

Return Report Object with status code 200

Error Codes

See other common errors here.

Error Code	Description
TRANSACTION_NOT_FOUND 404	Report the id is not found.
FEATURE_NOT_AVAILABLE 400	During this beta, some of customer may encounter this error. Please contact our customer support to enable this feature.

Report Callback

Endpoint: Report Callback

POST https://yourcompany.com/report_callback_url

Xendit notifies your system upon the completed or failed report via callback. You need to provide an URL to receive callback. Please specify your URL in Callback Settings in Xendit Dashboard.

The payment notification will be sent as POST request to the URL you set. Xendit attach x-callback-token header that you can validate against Verification Token in Callback Settings to verify message authenticity.

Please response back with status 200 immediately. Xendit marks callback event as failed if there is no response within 30s. When events failed, automatic retry will kick-off for the next 24h. Alternatively, you can resend any event in Callback tab at anytime. You can also receive notification via email every 6h to check your callback health.

Learn more about Callback

Callback Payload

Example Report Callback Request for Successful Report

curl --include \
     --request POST \
     --header "X-CALLBACK-TOKEN: MuaJALKJSDK12LASHD123kSAKSDHzjahwUWjkasJSDSA12KSNAK21n==" \
     --header "Content-Type: application/json" \
     --data-binary "{
    \"id\": \"report_5c1b34a2-6ceb-4c24-aba9-c836bac82b28\",
    \"type\": \"BALANCE_HISTORY\",
    \"status\": \"PENDING\",
    \"filter\": {
        \"from\": \"2021-06-23T04:01:55.574Z\",
        \"to\": \"2021-06-24T04:01:55.574Z\"
    },
    \"format\": \"CSV\",
    \"currency\": \"IDR\",
    \"business_id\": \"5f34f60535ba7c1c0eed846a\",
    \"created\": \"2021-06-24T04:01:55.570Z\",
    \"updated\": \"2021-06-24T04:01:55.570Z\"
}}" \
'{{your_company_domain}}/{{callback_url}}'

Body Parameter	Type	Description
event required	string	The type of the event. The available types are: Type Description reports.completed Report is completed. You can download the report from the url parameter. reports.failed Report is failed to generate. You are safe tor retry the report request.
	Report Object	The rest of parameter is the same as report object.

Balance History Report

Balance history report is report that show the historical list of balance movements from your accounts. This report is equivalent to Balance Tab on dashboard. You can use this report for checking the daily balance or do reconciliation between your transaction data with the balance that are deducted or added into your account. On the report API you can generate this report by using BALANCE_HISTORY as a type.

Report Columns

Column	Description
Product Id	Xendit generated ID which will be sent to you via API callback as ‘id’
Transaction Id	Xendit uniquely generated ID for each transactions and this ID help you identify Fee or Reversal for specific transactions. This ID can be used to reconcile between Balance History Report and Transaction Report.
Transaction Type	List of available transaction type VA_PAYMENT Payment using Virtual Account RO_PAYMENT Payment using Retail Outlet EWALLET_PAYMENT Payment using Ewallet CARDLESS_CREDIT_PAYMENT Payment using Cardless Credit DIRECT_DEBIT_PAYMENT Payment using Direct Debit CREDIT_CARD_PAYMENT Payment using Credit Card QR_CODE_PAYMENT Payment using QR Code DISBURSEMENT Disbursement BATCH_DISBURSEMENT Batch Disbursement REMITTANCE_PAYOUT Remittance Payout DEPOSIT Topup to your account WITHDRAWAL Withdrawal from your account
Line Type	List of available line type TRANSACTION The transaction row, the deduction/addition of balance because of transaction FEE The fee row, the deduction of balance because of fee VAT The VAT row, the deduction of balance because of VAT TRANSACTION_REVERSAL, FEE_REVERSAL, VAT_REVERSAL The reversal of TRANSACTION, FEE, or VAT
Payment Channel	The channel to identify the source of the transaction. See channel codes for more information.
Reference	Your generated ID which will be sent to Xendit’s system and will also be available on some product callback as ‘external_id’
Currency	Transaction currency. See our supported currencies.
Amount	Nominal amount for the transaction. The number of decimal place will be different for each currency according to ISO 4217.
Balance	Your account balance on this transaction.
Debit or Credit	DEBIT Balance is deducted CREDIT Balance is added
Created Date ISO	Date on when the transaction is created using ISO 8601 format.
Timezone	Timezone information formatted as “+XXXX UTC”. The timezone will always be +0000 UTC when report is generated via this API. This is different from Dashboart which will use the user timezone.
Created Date	Date on when the transaction is created.
Payment Date	Date on when payment is received but not yet settled. This is only available for payment transaction.
Settlement Date	Date on when payment is settled. This means the fund is already received and added to your balance. This is only available for payment transaction.
Completed Date	Date on when fund has been disbursed to the destination bank account. This is only available for disbursement transaction.
Bank Code	The bank channel that are used as source or destination of transaction. This is only available for VA_PAYMENT and DISBURSEMENT.
Name	The name of the VA or receiver. This is only available for VA_PAYMENT and DISBURSEMENT.
Account Number	The account number of VA or receiver. This is only available for VA_PAYMENT and DISBURSEMENT.
Description	The description of transaction
Invoice ID	The ID of invoice. This is only available for payment that are paid via invoice.
Bank Reference	The bank reference that is used only for DISBUSEMENT transaction

Transactions Report

Transaction reports are the report that shows all transactions that exist whether it is already deduct the balance or not. This report will not show the non-transaction like topup and withdrawal. This report is equivalent to the Transaction Tab on the dashboard. On the report API you can generate this report by using TRANSACTIONS as a type.

Report Columns

Column	Description
Status	The corresponding transaction status PENDING The transaction is still in processing. This refers to money out-transaction when the amount is still on hold SUCCESS The transaction is successfully sent for money-out or already arrives on money-in FAILED The transaction failed to send/receive VOIDED The money-in transaction is voided by you REFUNDED The money-in transaction is refunded by you REVERSED The transaction is reversed by Xendit
Type	The corresponding transaction type DISBURSEMENT The disbursement transaction PAYMENT The payment transaction. All kind of money-in REMITTANCE_PAYOUT The remittance pay-out transaction TRANSFER The transfer transaction between Xendit account. This can be transfer in or out
Channel	The channel to identify the source of the transaction. The available channel for each type are: Type Channels DISBURSEMENT and REMITTANCE_PAYOUT BANK and CASH PAYMENT CARDS, CARDLESS_CREDIT, DIRECT_DEBIT, EWALLET, PAYLATER, QR_CODE, RETAIL_OUTLET, VIRTUAL_ACCOUNT TRANSFER XENPLATFORM
Channel Name	Channel name will be different for each channel. See channel codes for more information
Account Number	The account number used for the transaction. The definition of this will be different for each channel. For example, on CARD channel this will be masked card number and on BANK channel it will be account number.
Currency	Transaction currency. See our supported currencies.
Amount	Amount of the transaction. The number of decimal place will be different for each currency according to ISO 4217.
Fee Amount	Amount of the fee for this transaction.
VAT Amount	Amount of the VAT for this transaction.
3rd Party WHT	Amount of the 3rd Party Withholding Tax for this transaction if applicable.
Xendit WHT	Amount of the Xendit Withholding Tax for this transaction if applicable.
Net Amount	Net Amount of transaction after fee/VAT/WHT is included.
Reference	The reference of transaction. This is generated from your side and on some product is known as External Id
Transaction Id	The id of the transaction
Invoice Id	The id of the invoice, if this transaction is payment using invoice
Batch Id	Batch settlement id for credit card transaction
Payment Id	Xendit generated payment id which are equivalent to product Id
Payment Date	The date when the payment is received to Xendit
Timestamp - Created	The timestamp when the transaction is recorded
Timestamp - Updated	The timestamp of the latest update occurring for the transaction
Timestamp - Settled	The timestamp when the transaction is settled to the merchant
Timezone	Timezone information formatted as “+XXXX UTC”. The timezone will always be +0000 UTC when report is generated via this API. This is different from Dashboart which will use the user timezone.
Description	The description of transaction
Channel Reference	The reference that is generated by our channel partner. This can be used to reconcile between the data from your side, Xendit, and our partner.

Transactions

An API to search and view transactions. The transactions include money in, money out, and transfer that happens within your account. You can use this single endpoint to get the status of a transaction and do reconciliation. This API is equivalent to the transactions tab from dashboard. See our docs of how to use transaction tab for reconciliation.

Transaction Object

Transaction Object Example

{
    "id": "txn_13dd178d-41fa-40b7-8fd3-f83675d6f413",
    "product_id": "d290f1ee-6c54-4b01-90e6-d701748f0701",
    "type": "PAYMENT",
    "channel_category": "RETAIL_OUTLET",
    "channel_code": "ALFAMART",
    "reference_id": "ref23232",
    "account_identifier": null,
    "currency": "IDR",
    "amount": 1,
    "cashflow": "MONEY_IN",
    "status": "SUCCESS",
    "business_id": "5fc9f5b246f820517e38c84d",
    "created": "2021-06-23T02:42:15.601Z",
    "updated": "2021-06-23T02:42:15.601Z"
}

Body Parameter	Type	Description
id required	string	The unique id of transaction. It will have txn_ as prefix
product_id required	string	The product_id of transaction. Product id will have different prefix for each different product. You can use this id to match the transaction from this API to each product API.
type required	string	The type of the transactions. Available types: Type Description DISBURSEMENT The disbursement of money-out transaction. PAYMENT The payment that includes all variation of money-in transaction. REMITTANCE_PAYOUT The remittance pay-out transaction. TRANSFER The transfer transaction between xendit account. This can be transfer in or out.
channel optional	string	The channel of the transaction that is used. See channel codes for the list of available per channel categories.
reference_id required	string	The reference of transaction. On some product, the term reference is the same as external_id. This is the id that you generate that can be used for reconciliation.
account_identifier optional	string	Account identifier of transaction. The format will be different from each channel. For example, on BANK channel it will be account number and on CARD it will be masked card number.
currency optional	string (ISO 4217)	Currency of transaction. See our supported currencies.
amount required	number	The amount of transaction. The number of decimal place will be different for each currency according to ISO 4217.
net_amount required	number	The net amount of transaction after it deducted with fee/vat.
cashflow required	string	Representing whether the transaction is money in or money out For transfer, the transfer out side it will shows up as money out and on transfer in side in will shows up as money-in. Available values are MONEY_IN for money in and MONEY_OUT for money out.
status required	string	The status of the transaction. Available status: Status Description PENDING The transaction is still pending to be processed. This refers to money out-transaction when the amount is still on hold. SUCCESS The transaction is successfully sent for money-out or already arrives on money-in. FAILED The transaction failed to send/receive. VOIDED The money-in transaction is voided by customer. REFUNDED The money-in transaction is refunded by the customer. REVERSED The transaction is reversed by Xendit.
channel_category required	string	The channel category of the transaction to identify the source of the transaction. The available channel for each type are: Type Channels DISBURSEMENT and REMITTANCE_PAYOUT BANK and CASH PAYMENT CARDS, CARDLESS_CREDIT, DIRECT_DEBIT, EWALLET, PAYLATER, QR_CODE, RETAIL_OUTLET, VIRTUAL_ACCOUNT TRANSFER XENPLATFORM
business_id required	string	The id of business where this transaction belong to
created required	string (ISO 8601)	Transaction created timestamp on UTC+0
updated required	string (ISO 8601)	Transaction updated timestamp on UTC+0

Get Transaction

Endpoint: Get Transaction

GET https://api.xendit.co/transactions/{transaction_id}

Request this endpoint to get single specific transaction details by transaction id. If you need to search by other parameters or to get multiple result, see list transactions.

Request Parameters

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to get this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Example Get Transaction Request

curl https://api.xendit.co/transactions/txn_13dd178d-41fa-40b7-8fd3-f83675d6f413 -X GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:

Example Get Transaction Response

{
    "id": "txn_13dd178d-41fa-40b7-8fd3-f83675d6f413",
    "product_id": "d290f1ee-6c54-4b01-90e6-d701748f0701",
    "type": "PAYMENT",
    "status": "SUCCESS",
    "channel_category": "RETAIL_OUTLET",
    "channel_code": "ALFAMART",
    "reference_id": "ref23232",
    "account_identifier": null,
    "currency": "IDR",
    "amount": 1,
    "cashflow": "MONEY_IN",
    "business_id": "5fc9f5b246f820517e38c84d",
    "created": "2021-06-23T02:42:15.601Z",
    "updated": "2021-06-23T02:42:15.601Z"
}

Path Parameter	Type	Description
transaction_id required	string	The id of transaction.

Response Parameters

Returns Transaction Object with status code 200

Error Codes

See other common errors here.

Error Code	Description
TRANSACTION_NOT_FOUND 404	Transaction with the id is not found.
FEATURE_NOT_AVAILABLE 400	During this beta, some of customer may encounter this error. Please contact our customer support to enable this feature.

List Transactions

Endpoint: List Transactions

GET https://api.xendit.co/transactions

Request this endpoint to get all transactions or select specific filter and search parameters. You can filter by date, type, or status. And you can search by reference, product id, or account identifier. The returned result will be paginated and ordered by the created date.

Request Parameters

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to get this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Example List Transactions Request

curl https://api.xendit.co/transactions?types=PAYMENT&statuses=SUCCESS&channel_categories=EWALLET&channel_categories=RETAIL_OUTLET&limit=2 -X GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:

Query Parameter	Type	Description
types optional	array of strings	The type of the transactions that will be filtered. If not specified, all transaction type will be returned. Available types: DISBURSEMENT: The disbursement of money-out transaction. PAYMENT: The payment that includes all variation of money-in transaction. REMITTANCE_PAYOUT: The remittance pay-out transaction. TRANSFER: The transfer transaction between xendit account. This can be transfer in or out.
statuses optional	array of strings	The status of the transactions that will be filtered. If not specified, all transaction status will be returned. Available status: PENDING: The transaction is still pending to be processed. This refers to money out-transaction when the amount is still on hold. SUCCESS: The transaction is successfully sent for money-out or already arrives on money-in. FAILED: The transaction failed to send/receive. VOIDED: The money-in transaction is voided by customer. REFUNDED: The money-in transaction is refunded by the customer. REVERSED: The transaction is reversed by Xendit.
channel_categories optional	array of strings	The channel of the transactions that will be filtered. If not specified, all transaction channel will be returned. For DISBURSEMENT and REMITTANCE_PAYOUT type, the available channel categories are BANK and CASH. For PAYMENT type, the available channel categories are CARDS, CARDLESS_CREDIT, DIRECT_DEBIT, EWALLET, PAYLATER, QR_CODE, RETAIL_OUTLET, VIRTUAL_ACCOUNT. For TRANSFER type, the available channel category is XENPLATFORM.
reference_id optional	string	Reference that will be searched. Search by reference is case sensitive and can be partial match.
product_id optional	string	Product_id that will be searched. Product_id search is an exact match and case sensitive.
account_identifier optional	string	Account identifier that will be searched. Account identifier search is exact match case sensitive.
currency optional default: IDR	string (ISO 4217)	Currency to filter. See our supported currencies.
amount optional	number	Transaction amount to search. This will be exact match.
created[gte] optional	string (ISO 8601)	Start time of transaction by created date. If not specified will list all dates.
created[lte] optional	string (ISO 8601)	End time of transaction by created date. If not specified will list all dates.
updated[lte] optional	string (ISO 8601)	End time of transaction by updated date. If not specified will list all dates.
updated[gte] optional	string (ISO 8601)	Start time of transaction by updated date. If not specified will list all dates.
limit optional default: 10	number	A limit on the number of transactions to be returned for each request. Limit can range between 1 and 50.
after_id optional	string	Id of the immediately previous item. Use this with links on the response for pagination.
before_id optional	string	Id of the immediately following item.

Response Parameters

Example List Transactions Response

{
    "has_more": true,
    "data": [
        {
            "id": "txn_13dd178d-41fa-40b7-8fd3-f83675d6f413",
            "product_id": "d290f1ee-6c54-4b01-90e6-d701748f0701",
            "type": "PAYMENT",
            "status": "SUCCESS",
            "channel_category": "RETAIL_OUTLET",
            "channel_code": "ALFAMART",
            "reference_id": "ref23244",
            "account_identifier": null,
            "currency": "IDR",
            "amount": 1,
            "cashflow": "MONEY_IN",
            "business_id": "5fc9f5b246f820517e38c84d",
            "created": "2021-06-23T02:42:15.601Z",
            "updated": "2021-06-23T02:42:15.601Z"
        },
        {
            "id": "txn_a765a3f0-34c0-41ee-8686-bca11835ebdc",
            "product_id": "d290f1ee-6c54-4b01-90e6-d701748f0700",
            "type": "PAYMENT",
            "status": "SUCCESS",
            "channel_category": "RETAIL_OUTLET",
            "channel_code": "ALFAMART",
            "reference_id": "ref242424",
            "account_identifier": null,
            "currency": "IDR",
            "amount": 1,
            "cashflow": "MONEY_IN",
            "business_id": "5fc9f5b246f820517e38c84d",
            "created": "2021-06-23T02:39:23.176Z",
            "updated": "2021-06-23T02:39:23.176Z"
        }
    ],
    "links": [
        {
            "href": "/transactions?types=PAYMENT&statuses=SUCCESS&channel_categories=EWALLET&channel_categories=RETAIL_OUTLET&limit=2&after_id=txn_a765a3f0-34c0-41ee-8686-bca11835ebdc",
            "method": "GET",
            "rel": "next"
        }
    ]
}

Body Parameter	Type	Description
data required	array of objects	Returns an array of Transaction Object. Returns empty array when there is no result.
has_more required	bolean	Indicates whether there are more items to be queried with after_id of the last item from the current result. Use the links to follow to the next result.
links optional	object	The links to the next page based on HATEOAS if there is next result. The HATEOAS format are: href: URI of target, this will be to the next link. rel: The relationship between source and target. The value will be next. method: The HTTP method, the alue will be GET.

Error Codes

See other common errors here.

Error Code	Description
FEATURE_NOT_AVAILABLE 400	During this beta, some of customer may encounter this error. Please contact our customer support to enable this feature.

Credit Cards

Our Credit Cards API enables you to seamlessly charge Indonesian and international credit / debit cards from major schemes: Visa, MasterCard and JCB. To accept AMEX payments, you'll need your own merchant account with Bank Central Asia in Indonesia.

Our APIs are designed to be modular so you can have full control over each step of the card payment process. No sensitive card data will reach your servers when using Xendit - we take care of that for you. We build our integrations to optimize card acceptance rates for all the cards that we help you accept. To date, we've charged cards from over 100 countries.

For full details on each API as well as help on integration, please refer to our documentation.

Using a plugin like Shopify or WooCommerce (Wordpress)? Xendit supports card payments on these as well, see here.

Create Token

Javascript Function: createToken

Xendit.card.createToken(tokenData, function (err, data) {
    if (err) {
        //Define error handling
    }

    if (data.status === 'VERIFIED') {
        // Handle success
    } else if (data.status === 'IN_REVIEW') {
        // Handle authentication (3DS)
    } else if (data.status === 'FAILED') {
        // Handle failure
    }
});

Tokenization is the process where card details (account number and expiration date) are securely collected on the client-side, so that sensitive card data is never passed through your systems. Tokens are then used to Charge Cards. It is important to pass us the details of the cardholder such as their contact details and billing/shipping details, as these will be used for 3DS authentication later on.

Example tokenData object with billing details

{        
    "amount": "10000",        
    "card_data": {
        "account_number": "4456530000001096",        
        "exp_month": "12",        
        "exp_year": "2020"
    },
    "card_cvn": "123",
    "is_multiple_use": false,
    "should_authenticate": true,
    "billing_details": {
        "given_names": "John",
        "surname": "Hudson",
        "email": "john@xendit.co",
        "mobile_number": "+6208123123123",
        "phone_number": "+6208123123123",
        "address": {
            "country": "ID",
            "street_line1": "Panglima Polim IV",
            "street_line2": "Ruko Grand Panglima Polim, Blok E",
            "city": "Jakarta Selatan",
            "province_state": "DKI Jakarta",
            "postal_code": "12345"
        }
    }
}

Example tokenData object with customer object

{        
    "amount": "10000",        
    "card_data": {
        "account_number": "4456530000001096",        
        "exp_month": "12",        
        "exp_year": "2020"
    },
    "card_cvn": "123",
    "is_multiple_use": false,
    "should_authenticate": true,
    "customer": {
        "reference_id": "123e4567-e89b-12d3-a456-426614174000",
        "mobile_number": "+6208123123123",
        "email": "john@xendit.co",
        "given_names": "John",
        "surname": "Hudson",
        "phone_number": "+6208123123123",
        "nationality": "ID",
        "addresses": [{
            "country": "ID",
            "street_line1": "Panglima Polim IV",
            "street_line2": "Ruko Grand Panglima Polim, Blok E",
            "city": "Jakarta Selatan",
            "province_state": "DKI Jakarta",
            "postal_code": "12345",
            "category": "WORK"
        }],
        "date_of_birth": "1990-04-13",
        "description": "customer using promo",
        "metadata": {}
    }
}

Tokens can be created for single or multiple use. If you plan to save a card for future use, set is_multiple_use to true.

See our Tokenization Sample for an example implementation for web application. For SDK implementation, please refer to Xendit Documentation for Android SDK and IOS SDK.

Single Use Tokens

For single-use tokens, authentication is performed by default, and so the amount field is also required. If optional authentication is enabled on your account, it can be bypassed by setting should_authenticate to false.

Multiple Use Tokens

When tokenizing a card for multi-use, the amount field is optional. If you want to use Authentication for a multi-use token, the amount field must be specified during Authentication. See Create Authentication for more details.

Request Parameters (Money-in write permission)

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Body Parameter	Type	Description
amount optional	string	The charge amount. Only required for single use tokens with bundled authentication.
card_number required	string	Card number which will be converted into a secured token
card_exp_month required	string	Card expiration month
card_exp_year required	string	Card expiration year
card_cvn optional	string	Three digit code written on the back of the card (usually called CVV/CVN). Optional but highly recommended. Required for cards issued in Europe.
is_multiple_use optional default: false	boolean	Whether or not to save token for multiple use
currency optional default: IDR	string	Currency which you want to process the transaction in. Use a three-letter ISO currency code. Xendit supports IDR and PHP by default. Other currencies are supported only if you are using your own MIDs. If left blank, defaults to IDR
should_authenticate default: true	boolean	Whether or not to bundle authentication with tokenization. By default, authentication is required for all transactions. You can request to enable optional authentication via your Xendit Dashboard.
billing_details optional	object	Billing details of the cardholder. If entered, should correspond with billing details registered by the cardholder with their issuer. These are required for US / CA / UK cards to be verified by the Address Verification System (AVS), and are also required for 3DS 2.0 authentication. billing details child parameters Key Value given_names optional string Primary or first name/s of the customer minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0 surname optional string Surname or last name of the customer minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0 email optional string Enduser's email address which associated with the card mobile_number optional string Enduser's mobile phone number which associated with the card phone_number optional string Enduser's other phone number which associated with the card (e.g. landline) address optional object Billing Address of the cardholder Note: Required for AVS and 3DS 2.0 address details child parameters Key Value country required string 2-letter ISO 3166-2 country code for the customer's country of residence street_line1 optional string Building name and apartment unit number minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0 street_line2 optional string Building street address minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0 city optional string City, village or town as appropriate minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0 province_state optional string Use this to enter province, state or region of residence. If the user is USA citizen, make sure to use state code (e.g put CA instead of California) minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0 postal_code optional string Postal, zip or rural delivery code, if applicable minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0
customer optional	object	Information about your customer (the cardholder), e.g. their contact details. Sending these details is recommended as they are needed for the best authentication protocols, improving acceptance rates and fraud prevention. Use this object to pass Xendit the customer’s shipping address if they provide it. Customer object child parameters Key Value reference_id optional string This is the customer ID that is referenced in your system, if you have previously created a Customer with our Create Customer API. minimum length: 1 character maximum length: 255 characters mobile_number optional string Mobile number of customer in E.164 format Note: Required for AVS and 3DS 2.0 phone_number optional string Additional contact number of the customer. can be landline Note: Required for AVS and 3DS 2.0 email optional string Additional contact number of the customer. can be landline Note: Required for AVS and 3DS 2.0 given_names optional string Primary or first name/s of customer minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0 surname optional string Surname (or last name) of the customer minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0 nationality optional string Country code for the customer’s nationality 2-letter ISO 3166-2 country code date_of_birth optional string Date of birth of the customer in YYYY-MM-DD format description optional string Merchant-provided description for the customer object minimum length: 1 character maximum length: 500 characters metadata optional object A free-format JSON for additional information that you want to provide in the request. addresses optional Array of JSON Information about the customer’s address. Use this to pass Xendit the customer’s shipping address if they provide it. Billing address should be provided in the billing details object above. object addresses details child parameters Key Value country required string 2-letter ISO 3166-2 country code for the customer's country of residence street_line1 optional stringLine 1 of Building name and apartment unit number minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0 street_line2 optional stringLine 2 of Building street address minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0 city optional string City, village or town as appropriate of customer minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0 province_state optional string Use this to enter province, state or region of residence. If the user is USA citizen, make sure to use state code (e.g put CA instead of California) minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0 postal_code optional string Postal, zip or rural delivery code, if applicable minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0 category optional string Address type. Supported values: HOME, WORK, PROVINCIAL

Example Tokenization Response

{
    "id": "5fcd8deb93e9a90020d8fd2d",
    "masked_card_number": "445653XXXXXX1096",
    "authentication_id": "5fcd8deb93e9a90020d8fd2e",
    "status": "IN_REVIEW",
    "card_info": {
        "bank": "PT. Bank Rakyat Indonesia (Persero)",
        "country": "ID",
        "type": "CREDIT",
        "brand": "VISA"
    },
    "payer_authentication_url": "https://redirect-staging.xendit.co/redirects/authentications/bundled/5fcd8deb93e9a90020d8fd2d?api_key=xnd_public_development_bPgL7lc65YTfywEk10f5qneRuu537yonRbfgQRMBLPUr1mZP4nNVd7iNHU"
}

Response Parameters

Body Parameter	Type	Description
id required	string	The token ID. This will be used later to Charge the funds from the credit card.
authentication_id required	string	ID for the authentication process. This should be attached during charge in authentication_id field
masked_card_number required	string	The first 6 digits and last 4 digits of the tokenized card.
status required	string	Tokenization status. See Tokenization Statuses
payer_authentication_url optional	string	Returned only if authentication is bundled with tokenization, and the status returned is IN_REVIEW. This field contains the URL to the page for users to authenticate themselves using 3DS. See Tokenization Statuses.
failure_reason optional	string	If the tokenization status is FAILED, this describes the reason for failure. See Tokenization Failure Reasons
card_info optional	object	Information of the card that's already tokenized. card info child parameters Key Value bank optional string Bank name which issued the card country optional string 2-letter ISO 3166-2 country code Country code where the card is issued from type optional string Type of card that is being tokenized. Can be CREDIT, DEBIT, PREPAID, and UNKNOWN brand optional string Brand of the card that is being tokenized. Can be VISA, MASTERCARD, JCB, AMEX

Statuses

Status	Description
IN_REVIEW	Returned only if authentication is bundled with tokenization, and therefore the customer must authenticate their identity. Xendit provides a URL which you should navigate your users to for easily performing 3DS.
VERIFIED	This means that a token was successfully created. If authentication was bundled with tokenization, it also means that the user has successfully authenticated their identity via 3DS. It is now safe to send the token to your backend for charging.
FAILED	Returned only if authentication is bundled with tokenization, and authentication has failed. Will always return AUTHENTICATION_FAILED as the failure reason. The token will still be created and authentication can be attempted again using the created token.

Failure Reasons

Failure Reason	Description
AUTHENTICATION_FAILED	This status means the customer tried to authenticate using 3DS but did not successfully complete the authentication.

Error Codes

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation. The errors field contains details about which fields are violating validation.
INVALID_JSON_FORMAT 400	The request body is not valid JSON.
ACCOUNT_NUMBER_INVALID_ERROR 400	Credit card number is invalid.
VALIDATION_ERROR 400	Data was passed in an incorrect format.
BRAND_NOT_SUPPORTED_ERROR 400	Card brand is not supported. Ask user to try a Visa/Mastercard.
AUTHENTICATION_REQUIRED_ERROR 400	A valid authentication_id was not included in the request, and your account is not configured for optional authentication. Include a valid authentication_id or contact us if you would like to enable optional authentication.
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here
VERIFICATION_TIMEOUT_ERROR 408	The credit card network timed out when trying to tokenize the card.
TEMPORARY_SERVICE_ERROR 503	There was a problem with the credit card network, which prevents tokenization.
CONNECTION_ERROR 500	Error connecting to our server. Try again and if the error persists, try with another device/network.

Get Token

Definition: Get Token

GET https://api.xendit.co/credit_card_tokens/:credit_card_token_id

Example Get Token Request Using Token ID (Default)

curl https://api.xendit.co/credit_card_tokens/605c05d3f81fa60011b2fa4e \
    -X GET \
    -u xnd_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==:

Example Get Token Response

{
  "business_id": "602103396f17450020ca2246",
  "created": "2021-03-25T03:38:59.318Z",
  "id": "605c05d3f81fa60011b2fa4e",
  "status": "VALID",
  "card_expiration_month": "12",
  "card_expiration_year": "2025",
  "metadata": {
      "bank": "PT. Bank Rakyat Indonesia (Persero)",
      "country_code": "US",
      "type": "CREDIT",
      "brand": "VISA",
  },
  "card_info": {
      "bank": "PT. Bank Rakyat Indonesia (Persero)",
      "country": "ID",
      "type": "CREDIT",
      "brand": "VISA",
      "card_art_url": "",
      "fingerprint": "6021f7d3717e0500115fbb0d",
  }, 
}

This is endpoint to get a token object. You need to specify the id in the query parameter.

Request Parameters

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to the token for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Query Parameter	Type	Description
credit_card_token_id required	string	token id of credit card that has been tokenized.

Error Codes

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation. The errors field contains details about which fields are violating validation.
CREDIT_CARD_TOKEN_NOT_FOUND_ERROR 404	credit_card_token_id not found

Create Authentication

Javascript Function: createAuthentication

Xendit.card.createAuthentication(authenticationData, function (err, data) {
    if (err) {
        //Define error handling
    }

    if (data.status === 'VERIFIED') {
        // Handle success
    } else if (data.status === 'IN_REVIEW') {
        // Handle authentication (3DS)
    } else if (data.status === 'FAILED') {
        // Handle failure
    }
});

To authenticate a token, use the Xendit.card.createAuthentication function in Xendit.js. This function accepts an authenticationData object and returns an authentication_id which can be used to authenticate a charge. For more details on creating a charge, see Create Charge.

See our Authentication Sample for an example implementation.

Example authenticationData object

{
    "amount": "10000",
    "token_id": "58e2096018b815f555c8a524"
}

Example Authentication Response

{
    "id": "58e2097218b815f555c8a526",
    "status": "VERIFIED"
}

Request Parameters

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Body Parameter	Type	Description
amount required	string	Authentication amount
token_id required	string	Token to authenticate
currency optional default: IDR	string	Currency which you want to process the transaction in. Use a three-letter ISO currency code Supported currencies include IDR, PHP & USD.
xenditResponseHandler required	function	Response handler, called after authentication attempt to handle errors and response.

Response Parameters

Parameter	Type	Description
id required	string	Authentication ID returned by Xendit, used when creating a Charge. If authentication status is FAILED, this id will still be returned but authentication will need to be performed again.
status required	string	Authentication status. See Tokenization Statuses
payer_authentication_url optional	string	If status is IN_REVIEW, this contains the URL for authenticating users with 3DS
failure_reason optional	string	If status is FAILED, this describes the failure. See Tokenization Failure Reasons.

Failure Reasons

Failure Reason	Description
AUTHENTICATION_FAILED	The customer tried to authenticate using 3DS but did not successfully complete the authentication.

Create Authorization

Definition: Create authorization

POST https://api.xendit.co/credit_card_charges

Example Create Authorization Request

curl -X POST \
  https://api.xendit.co/credit_card_charges \
  -u xnd_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==: \
  -H 'content-type: application/json' \
  -d '{
      "token_id" : "598d5d0e51e0870d44c61534",
      "external_id": "postman-charge-1502436817",
      "amount": 140000,
      "authentication_id":"598d5d0f51e0870d44c61535",
      "card_cvn":"123",
      "capture":false
    }'

<?php
  require 'vendor/autoload.php';

  $options['secret_api_key'] = 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==';

  $xenditPHPClient = new XenditClient\XenditPHPClient($options);

  $external_id = 'sample-external-id-1475459775872';
  $token_id = 'sample-token-id-1475459775872';
  $amount = 140000;
  $authentication_id = '58e2097218b815f555c8a526';
  $capture = false;

  $response = $xenditPHPClient->captureCreditCardPayment($external_id, $token_id, $amount);
  print_r($response);
?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { Card } = x;
const cardSpecificOptions = {};
const card = new Card(cardSpecificOptions);

const resp = await card.createAuthorization({
  externalID: 'sample-external-id-1475459775872',
  tokenID: 'sample-token-id-1475459775872',
  amount: 140000,
  authID: '58e2097218b815f555c8a526',
})
console.log(resp);

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  CreditCardCharge creditCardCharge = CreditCard.createAuthorization(
  "token_id", // tokenId
  "postman-charge-1502436793", // externalId
  140000, // amount
  "auth_id", // authenticationId
  "123", // Card CVN
  false // capture
  );
} catch (XenditException e) {
  e.printStackTrace();
}

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
CreditCard = xendit_instance.CreditCard

charge = CreditCard.create_authorization(
    token_id="5f0410898bcf7a001a00879d",
    external_id="card_preAuth-1594106356",
    amount=75000,
    card_cvn="123",
)
print(charge)

Example Create Authorization Response

{
    "created": "2020-01-11T07:33:14.442Z",
    "status": "AUTHORIZED",
    "business_id": "5850e55d8d9791bd40096364",
    "authorized_amount": 140000,
    "external_id": "postman-charge-1502436793",
    "merchant_id": "xendit",
    "merchant_reference_code": "598d5d0d51e0870d44c61533",
    "card_type": "CREDIT",
    "masked_card_number": "400000XXXXXX0002",
    "charge_type": "SINGLE_USE_TOKEN",
    "card_brand": "VISA",
    "bank_reconciliation_id": "5132390610356134503009",
    "eci": "05",
    "id": "598d5dba51e0870d44c61539"
}

You can do authorization using create charge endpoint. Just capture field as false, and you will receive an authorized charge response.

Zero Amount Authorization

You can also do zero amount authorization amount using create charge endpoint. Just put 0 for amount field, and you will receive and authorized charge response.

To be able to do zero amount authorization, your account must have card processor that has zero amount authorization compatibility.
Please contact us to set up zero amount compatible card processor for your account. You can always use development environment to try zero amount authorization feature.

Example Zero Amount Authorization Request

curl -X POST \
  https://api.xendit.co/credit_card_charges \
  -u xnd_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==: \
  -H 'content-type: application/json' \
  -d '{
      "token_id" : "598d5d0e51e0870d44c61534",
      "external_id": "postman-charge-1502436817",
      "amount": 0,
      "authentication_id":"598d5d0f51e0870d44c61535",
      "card_cvn":"123"
    }'

<?php
  require 'vendor/autoload.php';

  $options['secret_api_key'] = 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==';

  $xenditPHPClient = new XenditClient\XenditPHPClient($options);

  $external_id = 'sample-external-id-1475459775872';
  $token_id = 'sample-token-id-1475459775872';
  $amount = 0;
  $authentication_id = '58e2097218b815f555c8a526';

  $response = $xenditPHPClient->captureCreditCardPayment($external_id, $token_id, $amount);
  print_r($response);
?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { Card } = x;
const cardSpecificOptions = {};
const card = new Card(cardSpecificOptions);

const resp = await card.createAuthorization({
  externalID: 'sample-external-id-1475459775872',
  tokenID: 'sample-token-id-1475459775872',
  amount: 0,
  authID: '58e2097218b815f555c8a526',
});
console.log(resp);

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  CreditCardCharge creditCardCharge = CreditCard.createAuthorization(
  "token_id", // tokenId
  "test_id", // externalId
  0, // amount
  "auth_id", // authenticationId
  "123", // Card CVN
  false // capture
  );
} catch (XenditException e) {
  e.printStackTrace();
}

Example Zero Amount Authorization Response

{
    "created": "2020-01-11T07:33:14.442Z",
    "status": "AUTHORIZED",
    "business_id": "5850e55d8d9791bd40096364",
    "authorized_amount": 0,
    "external_id": "postman-charge-1502436793",
    "merchant_id": "xendit",
    "merchant_reference_code": "598d5d0d51e0870d44c61533",
    "card_type": "CREDIT",
    "masked_card_number": "400000XXXXXX0002",
    "charge_type": "SINGLE_USE_TOKEN",
    "card_brand": "VISA",
    "bank_reconciliation_id": "5132390610356134503009",
    "eci": "05",
    "id": "598d5dba51e0870d44c61539"
}

Reverse Authorization

Definition: Reversing Authorized Charge

POST https://api.xendit.co/credit_card_charges/:charge_id/auth_reversal

Example Reverse Authorization

curl -X POST \
  https://api.xendit.co/credit_card_charges/:charge_id/auth_reversal \
  -u xnd_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==: \
  -d '{
    "external_id": "reverse-authorization-1502436817",
    }'

<?php

    use Xendit\Xendit;
    require 'vendor/autoload.php';

    Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

    $id = '5ecc82736275b80019591c91';
    $params = ['external_id' => 'reverse-authorization-1502436817'];

    $reverseAuth = \Xendit\Cards::reverseAuthorization(
        $id,
        $params
    );
    var_dump($reverseAuth);

?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { Card } = x;
const cardSpecificOptions = {};
const card = new Card(cardSpecificOptions);

const resp = await card.reverseAuthorization({
  externalID: 'reverse-authorization-1502436817',
});
console.log(resp);

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  CreditCardReverseAuth creditCardReverseAuth = CreditCard.reverseAuthorization(
    "1234567", //chargeId
    "reverse-authorization-1502436817" //externalId
  );
} catch (XenditException e) {
  e.printStackTrace();
}

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

reverseAuthorizationData := card.ReverseAuthorizationParams{
  ChargeID:   "123",
  ExternalID: "reverse-authorization-1502436817",
}

reverseAuthorizationResp, err := card.ReverseAuthorization(&reverseAuthorizationData)
if err != nil {
  log.Fatal(err)
}

fmt.Printf("reversed authorization: %+v\n", reverseAuthorizationResp)

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
CreditCard = xendit_instance.CreditCard

reverse_authorization = CreditCard.reverse_authorizatiton(
    credit_card_charge_id="5f0421fa8cc1e8001973a1d6",
    external_id="reverse-authorization-1594106387",
)
print(reverse_authorization)

Example of request body

{        
    "external_id": "reverse-authorization-1502436817",
}

Example of Reverse Authorization Response

{
    "status": "SUCCEEDED",
    "currency": "IDR",
    "credit_card_charge_id": "5ecc82640d679500199621ad",
    "business_id": "5dd7928f4e6d9a2ec299ea43",
    "external_id": "reverse-authorization-1502436817",
    "amount": 5000,
    "created": "2020-05-26T02:44:03.458Z",
    "id": "5ecc82736275b80019591c91"
}

This API provides reversing charge when the charge has AUTHORIZED status and hasn't yet captured.

Request Parameters

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Body Parameter	Type	Description
external_id required	string	Reverse authorization reference to help you track your request

Response Parameters

Parameter	Type	Description
status required	string	Status of the reverse authorization. See Reverse Authorization Statuses.
currency required	string	Currency of the charge that requested to be reversed.
credit_card_charge_id required	string	The ID of the charge that requested to be reversed.
business_id required	string	The ID of your business in Xendit.
external_id required	string	Unique Identifier for your Reversed Charge reference
amount required	number	The amount that requested to be reversed for this charge.
created required	string	An ISO timestamp that tracks when the reverse authorization was made.
id required	string	ID of the charge transaction in Xendit system that requested to be reversed.
failure_reason optional	string	If status is FAILED, this describes the failure. See Reverse Authorization Failure Reasons.

Statuses

Recommendation	Description
SUCCEEDED	Reverse Authorization request is success
FAILED	Reverse Authorization is failed with detailed failure reason

Failure Reasons

Failure Reason	Description
REVERSE_AUTHORIZATION_REJECTED_BY_BANK	The authorization that you requested to be reversed is rejected by the bank. There's possibility that the authorization is no longer valid and the authorized amount is already reversed back automatically to the card holder's credit balance.
PROCESSOR_ERROR	The reverse authorization failed because there's an integration issue between card processor and the bank. Contact us if you encounter this issue.

Error Codes

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation. The errors field contains details about which fields are violating validation.
CHARGE_ALREADY_REVERSED_ERROR 400	Charge already reversed, therefore cannot be reversed
CHARGE_ALREADY_CAPTURED_ERROR 400	Charge already captured, therefore cannot be reversed
CHARGE_FAILED_ERROR 400	Charge is failed, therefore cannot be reversed
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here
CREDIT_CARD_CHARGE_NOT_FOUND_ERROR 404	credit_card_charge_id not found for this transaction. Please try with another valid charge ID
INVALID_AMOUNT_FOR_REVERSE_AUTHORIZATION_ERROR 400	Invalid charge amount to be reversed. Please make sure that the authorized amount that you requested to be reversed is no 0.

Create Charge

Definition: Create Charge

POST https://api.xendit.co/credit_card_charges

Example Charge Request

curl -X POST \
  https://api.xendit.co/credit_card_charges \
  -u xnd_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==: \
  -H 'content-type: application/json' \
  -d '{
      "token_id" : "598d5d0e51e0870d44c61534",
      "external_id": "postman-charge-1502436817",
      "amount": 900000,
      "authentication_id": "598d5d0f51e0870d44c61535",
      "card_cvn": "123",
      "descriptor": "My new store"
      "currency": "IDR",
      "mid_label": "IDR_MID",
      "billing_details": {
        "given_names": "John",
        "surname": "John Doe",
        "email": "johndoe@xendit.co",
        "mobile_number": "+62899336634448",
        "phone_number": "+629934448",
        "address": {
          "street_line1": "Panglima Polim IV",
          "street_line2": "Ruko Grand Panglima Polim, Blok E",
          "city": "Jakarta Selatan",
          "province": "DKI Jakarta",
          "state": "South Jakarta",
          "zip_code": "993448",
          "country": "ID"
        }
      },
      "promotion": {
          "reference_id": "BCA_10",
          "original_amount": 1000000
      },
      "installment": {
          "count": 3,
            "interval": "month"
      }
    }'

<?php

  use Xendit\Xendit;
  require 'vendor/autoload.php';

  Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

  $params = [
      'token_id' => '5e2e8231d97c174c58bcf644',
      'external_id' => 'card_' . time(),
      'authentication_id' => '5e2e8658bae82e4d54d764c0',
      'amount' => 15000,
      'card_cvn' => '123',
      'capture' => false
  ];

  $createCharge = \Xendit\Cards::create($params);
  var_dump($createCharge);

?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { Card } = x;
const cardSpecificOptions = {};
const card = new Card(cardSpecificOptions);

const resp = await card.createCharge({
  externalID: 'sample-external-id-1475459775872',
  tokenID: 'sample-token-id-1475459775872',
  amount: 900000,
  authID: '58e2097218b815f555c8a526',
  cardCvn: "123",
  descriptor: "My new store",
  currency: "IDR",
  midLabel: "IDR_MID",
  billing_details: {
      given_names: "John",
      surname: "John Doe",
      email: "johndoe@xendit.co",
      mobile_number: "+62899336634448",
      phone_number: "+629934448",
      address: {
          street_line1: "Panglima Polim IV",
          street_line2: "Ruko Grand Panglima Polim, Blok E",
          city: "Jakarta Selatan",
          province: "DKI Jakarta",
          postal_code: "993448",
          country: "ID"
      }
  },
  promotion: {
      referenceId: "BCA_10",
      originalAmount: 1000000
  },
  installment: {
      count: 3,
      interval: "month"
  }
});
console.log(resp);

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  CreditCardCharge creditCardCharge = CreditCard.createCharge(
    "token_id", //tokenId
    "postman-authorize-1502437417", //externalId
    90000, //amount
    "auth_id", //authenticationId
    "123", //Card CVN
    "XENDIT*MYBUSINESS-MY NEW STORE" //Descriptor
  );
} catch (XenditException e) {
  e.printStackTrace();
}

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

createChargeData := card.CreateChargeParams{
  TokenID:          "example-token-id",
  AuthenticationID: "example-authentication-id",
  ExternalID:       "postman-charge-1502436793",
  Amount:           900000,
  Capture:          new(bool),
}

chargeResp, err := card.CreateCharge(&createChargeData)
if err != nil {
  log.Fatal(err)
}

fmt.Printf("created charge: %+v\n", chargeResp)

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
CreditCard = xendit_instance.CreditCard

charge = CreditCard.create_charge(
    token_id="5f0410898bcf7a001a00879d",
    external_id="card_charge-1594106478",
    amount=75000,
    card_cvn="123",
)
print(charge)

Once you have a token, that token can be used to charge a card.

Request Parameters

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information
with-fee-rule optional	string	Fee Rule ID that you would like to apply to this card charge Please note: If you include this parameter, we will return the fee_rule_id and the fee_id in the header of the API response. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Body Parameter	Type	Description
token_id required	string	The token ID used to charge the card.
external_id required	string	A unique identifier of your choice. Max 64 characters.
amount required	number	Amount that expected to be charged.
authentication_id optional	string	Authentication ID for authenticating charge. Optional only if charge was already authenticated with a single-use token, or if optional authentication is enabled for your account.
card_cvn optional	string	3 or 4 digit CVN (CVC) code. Optional but highly recommended. Required for cards issued in Europe.
capture optional default: true	boolean	Whether or not to capture immediately. Set to false to issue an authorization (hold funds) only, to be captured later with the capture endpoint. Note: Authorizations expire in 7 days.
descriptor optional	string	Specific descriptor to define merchant's identity. Note: For aggregator merchant, it will always return XENDIT*[MERCHANT_NAME]-DESCRIPTOR For switcher merchant, it will always return [MERCHANT_NAME]-DESCRIPTOR
currency optional default: IDR	string	Currency which you want to process the transaction in. Use a three-letter ISO currency code. If left blank, it will default to IDR
mid_label optional	string	Specific string value which labels any of your Merchant IDs (MID) set up with Xendit. This can be configured in the list of MIDs on your Dashboard settings. (If this is not included in a request, and you have more than 1 MID in your list, the transaction will proceed using your prioritized MID (first MID on your list)). Note: Only available in the response for switcher merchant
billing_details optional	object	Billing details of the cardholder. If entered, should correspond with billing details registered by cardholder with their issuer. Required for a card to be verified by the Address Verification System (AVS) - only for USA / Canadian / Great Britain cards. billing details child parameters Key Value given_names string Given name (also known as first name) minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0 surname optional string Surname (also known as last name) minimum length: 1 character maximum length: 255 characters Note: Required for AVS and 3DS 2.0 email optional string Enduser's email address which associated with the card mobile_number optional string Enduser's mobile phone number which associated with the card phone_number optional string Enduser's other phone number which associated with the card (e.g. landline) address required object Address Object address details child parameters Key Value country required string 2-letter ISO 3166-2 country code for the customer's country of residence street_line1 optional string Building name and apartment unit number minimum length: 1 character maximum length: 255 characters street_line2 optional string Building street address minimum length: 1 character maximum length: 255 characters city optional string City, village or town as appropriate minimum length: 1 character maximum length: 255 characters province optional string Geographic area, province, or region, if applicable minimum length: 1 character maximum length: 255 characters state optional string Formal state designation within country, if applicable. If the user is USA citizen, make sure to use state code (e.g put CA instead of California) minimum length: 1 character maximum length: 255 characters postal_code optional string Postal, zip or rural delivery code, if applicable minimum length: 1 character maximum length: 255 characters
promotion optional	object	If you are want to apply a Promotion to a charge, you must input these parameters. promotion details child parameters Key Value reference_id optional stringUnique reference, such as an ID or name, you wish to assign to the created Promotion original_amount optional numberThe amount of the original transaction (before the Promotion discount).
installment optional	object	These parameters are required to mark a transaction as an installment. installment details child parameters count optional numberTogether with the "interval" parameter, this defines your installment tenor. If you want the installment tenor to be 3 months, then the value of "count" should be 3. interval optional string Together with the "count" parameter, this defines your installment tenor. If you want the installment tenor to be 3 months, then the value of "interval" should be "month"

Example Charge Response

{
    "created": "2020-01-11T07:33:14.442Z",
    "status": "CAPTURED",
    "business_id": "5850e55d8d9791bd40096364",
    "authorized_amount": 900000,
    "external_id": "postman-charge-1502436793",
    "merchant_id": "xendit",
    "merchant_reference_code": "598d5d0d51e0870d44c61533",
    "card_type": "CREDIT",
    "masked_card_number": "400000XXXXXX0002",
    "charge_type": "SINGLE_USE_TOKEN",
    "card_brand": "VISA",
    "bank_reconciliation_id": "5132390610356134503009",
    "eci": "05",
    "capture_amount": 900000,
    "descriptor": "XENDIT*MYBUSINESS-MY NEW STORE",
    "id": "598d5dba51e0870d44c61539",
    "mid_label": "IDR_MID",
    "promotion": {
        "reference_id": "BCA_10",
        "original_amount": "1000000"
    },
    "installment": {
        "count": 3,
        "interval": "month"
    }
}

Example Authorization Response

{
    "created": "2020-01-11T07:43:39.563Z",
    "status": "AUTHORIZED",
    "business_id": "5850e55d8d9791bd40096364",
    "authorized_amount": 90000,
    "external_id": "postman-authorize-1502437417",
    "merchant_id": "xendit",
    "merchant_reference_code": "598d5ffb51e0870d44c6153a",
    "card_type": "CREDIT",
    "masked_card_number": "400000XXXXXX0002",
    "charge_type": "SINGLE_USE_TOKEN",
    "card_brand": "VISA",
    "bank_reconciliation_id": "5132390610356134503009",
    "eci": "05",
    "descriptor": "XENDIT*MYBUSINESS-MY NEW STORE",
    "id": "598d602b51e0870d44c6153d",
    "mid_label": "IDR_MID",
    "promotion": {
        "reference_id": "BCA_10",
        "original_amount": "100000"
    },
    "installment": {
        "count": 3,
        "interval": "month"
    }
}

Charge Response

Parameter	Type	Description
created required	string	An ISO timestamp that tracks when the charge was made.The token ID used to charge the card. The timezone will be default Timezone: GMT+0
charge_type required	string	Types of charges. See Charge types.
business_id required	string	The ID of your business in Xendit.
authorized_amount required	number	The amount that've been authorized for this charge.
external_id required	string	A unique identifier of your choice.
card_type required	string	Type of card (CREDIT or DEBIT).
merchant_id required	string	Your merchant ID used for processing credit cards with the bank.
masked_card_number required	string	Masked card number. The first 6 digits are the BIN (Bank Identification Number).
charge_type required	string	Types of charges. See Charge types.
card_brand required	string	Card scheme (VISA, MASTERCARD, JCB, ...).
bank_reconciliation_id required	string	ID of the transaction that can be reconciled with the bank.
eci optional	string	Status of 3DS authentication. See ECI codes.
capture_amount optional	number	Amount captured for this charge. Can be up to authorized_amount.
status required	string	Status of the charge transaction in xendit system. See [Charge Statuses] (#statuses).
failure_reason optional	string	If status is FAILED, this describes the failure. See Charge Failure Reasons.
approval_code optional	string	Represents the five or six numbers generated by an issuing bank, or the bank of a buyer using a credit card, for the purpose of validating a credit card whenever it is approved in the transaction.
cvn_code optional	string	Response from validating the CVN (3-digit security code on back of card). See CVN Codes.
merchant_reference_code required	string	An ID used to reconcile transactions with the bank.
descriptor optional	string	Description which already inputted by merchant when creating a charge. Note: For aggregator merchant, it will always return XENDIT*[MERCHANT_NAME]-DESCRIPTOR For switcher merchant, it will always return [MERCHANT_NAME]-DESCRIPTOR
currency optional default: IDR	string	Currency which you want to process the transaction in. Use a three-letter ISO currency code. If left blank, it will default to IDR
mid_label optional	string	Specific string value which labels any of your Merchant IDs (MID) set up with Xendit. This can be configured in the list of MIDs on your Dashboard settings. (If this is not included in a request, and you have more than 1 MID in your list, the transaction will proceed using your prioritized MID (first MID on your list)). Note: Only available in the response for switcher merchant
id required	string	ID of the charge transaction in Xendit system.
promotion optional	object	Detail of promotion that used for this transaction. promotion details child parameters Key Value reference_id optional stringUnique reference, such as an ID or name, you wish to assign to the created Promotion original_amount optional numberThe amount of the original transaction (before the Promotion discount).
installment optional	object	These parameters will be returned to mark a transaction as an installment. installment details child parameters count optional numberTogether with the "interval" parameter, this defines your installment tenor count. interval optional string Together with the "count" parameter, this defines your installment tenor interval."

Statuses

Status	Description
CAPTURED	Charge is successfully captured and the funds will be settled according to the settlement schedule.
AUTHORIZED	Charge is successfully authorized.
REVERSED	Charge is successfully reversed.
FAILED	Charge failed. See Charge Failure Reasons

CVN Codes

Code	Description
M	Match - CVN provided matches the CVN on the issuer's record.
N	Not match - CVN provided does not match CVN on the issuer's record.
P	Not processed - either the card does not have a valid CVN, or the CVN was somehow not accepted by the issuer. Retry again and if the response persists, try a different card.

Failure Reasons

Failure Reason	Description
EXPIRED_CARD	The card you are trying to capture is expired. Ask your customer for a different card
CARD_DECLINED	The card you are trying to capture has been declined by the bank. Ask your customer for a different card
INSUFFICIENT_BALANCE	The card you are trying to capture does not have enough balance to complete the capture
STOLEN_CARD	The card you are trying to capture has been marked as stolen. Ask your customer for a different card
INACTIVE_CARD	The card you are trying to capture is inactive. Ask your customer for a different card
INVALID_CVN	The cvn that being submitted is not correct.
PROCESSOR_ERROR	The charge failed because there's an integration issue between card processor and the bank. Contact us if you encounter this issue.
BIN_BLOCK	The cards' BIN has been blocked by request from the Bank.

Error Codes

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation. The errors field contains details about which fields are violating validation.
INVALID_JSON_FORMAT 400	The request body is not valid JSON.
TOKEN_ALREADY_USED_ERROR 400	The single-use token ID has already been used in a charge.
AUTHENTICATION_ALREADY_USED_ERROR 400	The authentication ID has already been used in a charge.
INVALID_TOKEN_ID_ERROR 400	The token ID format is invalid.
INVALID_CVN_LENGTH_ERROR 400	The length of CVN is invalid. For AMEX card, CVN length must be 4 digit and for the others card type it must be 3.
AUTHENTICATION_ID_MISSING_ERROR 400	Authentication ID is required for this charge.
AMOUNT_GREATER_THAN_AUTHENTICATED_ERROR 400	Charge amount was greater than what was authenticated.
INVALID_AUTHENTICATION_ID_ERROR 400	The authentication ID format is invalid.
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here
TOKEN_NOT_FOUND_ERROR 404	The token ID was not found in the system.
AUTHENTICATION_NOT_FOUND_ERROR 404	Authenticated token with given authentication ID is not found.
MID_NOT_FOUND_ERROR 404	The MID specified in "mid_label" cannot be found. Check if you have registered this MID, or if you entered the MID label incorrectly
INVALID_PROMOTION_DETAILS 400	The promotion detail which inputted in this request is invalid. Please change the input or check if you have available promotion in your system or not.
CARDHOLDER_NAME_REQUIRED 400	Please send cardholder name fields in the billing_details object in your request body.
INSTALLMENT_BELOW_MINIMUM_AMOUNT 400	Amount is below the minimum allowed for installments. BRI, BNI: Rp 500.000
INSTALLMENT_UNAVAILABLE 404	Possible error messages: Installments are not available for cards from this bank. Please try with a card from another bank. The requested installment interval is currently not supported. Please try an installment transaction with another interval.
AMOUNT_BELOW_MINIMUM_LIMIT 400	The amoubnt which inputted in this request is below your minimum limit. Please send another request with amount equal to or greater than the minimum limit. Default minimum limit based on currency: IDR: 5000. PHP: 20.
AMOUNT_ABOVE_MAXIMUM_LIMIT 400	The amoubnt which inputted in this request is above your maximum limit. Please send another request with amount equal to or lower than the maximum limit. Default maximum limit based on currency: IDR: 200000000. PHP: 700000.

Charge Types

Status	Description
SINGLE_USE_TOKEN	Charge created with single-use token
MULTIPLE_USE_TOKEN	Charge created with multiple-use token
RECURRING	Charge a recurring charge in a subscription

ECI Codes

ECI	Description
0	Unable to Authenticate (MasterCard)
1	Authentication attempted (MasterCard)
2	Successful authentication (MasterCard)
5	Successful authentication (Visa, AMEX, JCB)
6	Authentication attempted (Visa, AMEX, JCB)
7	Unable to Authenticate (Visa, AMEX, JCB)

Safe Acceptance

An alternative to the Charge API endpoint, for the following use cases:

• Creating credit/debit card payments by sending Xendit the full card number from your frontend client without needing to use our Tokenization API (for standard Visa/MasterCard/JCB/AMEX transactions)
• Creating credit/debit card payments where the payment interface is controlled by the processor and the end-customer is redirected to the payment processor's interface to enter card details.

Use this demo page to test scenarios using Safe Acceptance, and to see examples of how Safe Acceptance can be integrated in a web page.

Payment Processor Integration Methods in Safe Acceptance

A strength of our Safe Acceptance API is that it is flexible to support card processing using the most common integration methods offered by payment processors. These are generally known as 2.5 or 3-party methods, explained below:

• 2.5 party
  Merchant will perform 3DS authentication and the payment itself in a single API request. Merchant sends the full card number to Xendit, who will forward it to the processor. Before processing the payment, Xendit will initiate 3DS with the processor and redirect the merchant to the processor's 3DS 2-Factor Authentication page which the cardholder will use to enter the One-Time Password (or other authentication method).

• 3 party
  Merchant will perform 3DS authentication and the payment according to the processor's flow. Safe Acceptance will be used to initiate the payment, and Xendit will redirect the merchant to the processor's interface immediately. The cardholder enters the card number in the processor's checkout page directly, and engages in 3DS authentication on the same page. The card number is not sent by the merchant to Xendit and is instead received directly by the processor.

Note that because the Safe Acceptance API accepts token_id as a valid field, you are still able to use Xendit Tokenization with it if you choose.

Definition: Create Safe Acceptance

POST 
https://api.xendit.co/credit_cards/safe_acceptance

Example Safe Acceptance Request

{
    "amount": "1200000",
    "return_url": "https://mybusiness.co",
    "reference_id": "xdt-safe-acceptance-007",
    "transaction_type": "SALES",
    "request_timestamp": "2021-01-10T09:50:40+03:00",
    "descriptor": "INV-SAFE-ACCEPTANCE-007",
    "card_number": "1889800000000171",
    "card_exp_year": "2021",
    "card_exp_month": "03",
    "card_cvn": "101",
    "should_authenticate": true,
    "currency": "IDR",
    "authorization": "Basic eG5kX3B1YmxpY19kZXZlbG9wbWVudF9PNDZBZkw4azFlRGtwSnRmN3RPSERDV01OQ2w4dFI0azNibVJ4bm1EUnIyb0NnZHdnQTo=",
    "signed_field_names": "reference_id,amount,currency,request_timestamp,return_url,authorization,signed_field_names",
    "signature": "37c0323212908b9d4fe607f9d237c95aae2503a799d278afdc663268b5f8906e"
}

Example Safe Acceptance Webhook Response (Visa / MasterCard / JCB cards)

{
        "created": "2021-01-10T09:50:40+03:00",
        "business_id": "5d08a4nfea3b620019cfa213c",
        "authorized_amount": 1200000,
        "reference_id": "ecm-8112",
        "merchant_reference_code": "5d1ec8f4a3bcd10019a7e2de",
        "masked_card_number": "400000XXXXXX0002",
        "charge_type": "SINGLE_USE_TOKEN",
        "card_brand": "VISA",
        "card_type": "CREDIT",
        "status": "CAPTURED",
        "bank_reconciliation_id": "5622988916826241203012",
        "eci": "05",
        "capture_amount": "1200000",
        "currency": "IDR",
        "id": "5d1eca0ca3bcd10019a7e2ee",
        "authorized_amount": "1200000",
        "merchant_id" : "00080091009103589348501",
        "descriptor": "INV-SAFE-ACCEPTANCE-007",
        "signed_field_names": "create,business_id,authorized_amount,reference_id,merchant_reference_code,masked_card_number,charge_type,card_brand,card_type,status,bank_reconciliation_id,eci,capture_amount,currency,id,authorized_amount,merchant_id,mid_label,descriptor",
        "signature": "25798ae4db8361fa4ee423e7321a1558a1b0bf0863e8082e0551e62fd8e7a771"
}

Example Safe Acceptance Webhook Response (BCA-branded cards)

{
        "created": "2021-01-10T09:50:40+03:00",
        "business_id": "5d08a4nfea3b620019cfa213c",
        "authorized_amount": 1200000,
        "reference_id": "ecm-8112",
        "merchant_reference_code": "5d1ec8f4a3bcd10019a7e2de",
        "masked_card_number": "143481XXXXXX0002",
        "charge_type": "SINGLE_USE_TOKEN",
        "card_brand": "BCA",
        "status": "CAPTURED",
        "bank_reconciliation_id": "5622988916826241203012",
        "eci": "05",
        "capture_amount": "1200000",
        "currency": "IDR",
        "id": "5d1eca0ca3bcd10019a7e2ee",
        "authorized_amount": "1200000",
        "merchant_id" : "00080091009103589348501",
        "descriptor": "INV-SAFE-ACCEPTANCE-007",
        "signed_field_names": "create,business_id,authorized_amount,reference_id,merchant_reference_code,masked_card_number,charge_type,card_brand,card_type,status,bank_reconciliation_id,eci,capture_amount,currency,id,authorized_amount,merchant_id,mid_label,descriptor",
        "signature": "25798ae4db8361fa4ee423e7321a1558a1b0bf0863e8082e0551e62fd8e7a771"
}    

Example Safe Acceptance Webhook Response (GPN-branded cards)

{
        "created": "2021-01-10T09:50:40+03:00",
        "business_id": "5d08a4nfea3b620019cfa213c",
        "authorized_amount": 1200000,
        "reference_id": "ecm-8112",
        "merchant_reference_code": "5d1ec8f4a3bcd10019a7e2de",
        "masked_card_number": "143481XXXXXX0002",
        "charge_type": "SINGLE_USE_TOKEN",
        "card_brand": "GPN",
        "status": "CAPTURED",
        "bank_reconciliation_id": "5622988916826241203012",
        "eci": "05",
        "capture_amount": "1200000",
        "currency": "IDR",
        "id": "5d1eca0ca3bcd10019a7e2ee",
        "authorized_amount": "1200000",
        "merchant_id" : "00080091009103589348501",
        "descriptor": "INV-SAFE-ACCEPTANCE-007",
        "signed_field_names": "create,business_id,authorized_amount,reference_id,merchant_reference_code,masked_card_number,charge_type,card_brand,card_type,status,bank_reconciliation_id,eci,capture_amount,currency,id,authorized_amount,merchant_id,mid_label,descriptor",
        "signature": "25798ae4db8361fa4ee423e7321a1558a1b0bf0863e8082e0551e62fd8e7a771"
}    

Request Parameters

Parameter	Type	Description
amount required	number	Amount of the card payment being processed.
reference_id required	string	A unique identifier of your choice. Max 64 chars.
request_timestamp required	string	Timestamp when you sent the request, in ISO8601 format. Required for creating the signature and subsequent validation by Xendit. Example: 2021-01-10T09:50:40+03:00
currency required	string	Currency which you want to process the transaction in. Use a three-letter ISO currency code. Supported currencies: Indonesian businesses: IDR Philippines businesses: PHP, USD
return_url required	string	This is a URL that your customers will be redirected to after the transaction is completed. The URL will be called using a form POST with the results of the transaction. A signature will be sent in the response for the merchant to verify.
authorization required	string	Your Xendit Public API key (must be base-64 encoded).
signature required	string	This value is generated by retrieving your Xendit secret API key from your Xendit Dashboard, then hashing it with SHA256. See our Safe Acceptance Docs for guide.
signed_field_names required	string	The value here should be the names of all the fields you want to use for verification with the created signature, separated with commas. Mandatory(if your request contains them): amount, currency, authorization, reference_id, request_timestamp,mid_label, channel_code, return_url, should_authenticate
channel_code optional	string	Value used to determine the connector which the Safe Acceptance request runs through. Defaults to Visa/MasterCard/JCB/AMEX connectors if left blank. For other transactions, please see: GPN: (Gerbang Pembayaran Nasional) use this value to charge a GPN card (3 party integration method) BCA: use this value to charge a BCA-branded card on its inhouse connector (2.5 party integration method)
card_number optional	string	Credit / debit card number 16 digits. Note: Required when 2 or 2.5 party processors are used
card_exp_year optional	string	Credit / debit card expiration year (4 digit number) Note: Required when 2 or 2.5 party processors are used
card_exp_month optional	string	Credit / debit card expiration month (2 digit number) Note: Required when 2 or 2.5 party processors are used
card_cvn optional	string	Security code on back of card 3 or 4 digits Note: Required when 2 or 2.5 party processors are used
card_holder_name optional	string	Full name of the cardholder
token_id optional	string	ID of the token created during Tokenization. Only required if the selected processor requires Tokenization, and you have a Token ID from a Tokenization request previously sent.
should_authenticate optional	boolean	Whether or not to initiate 3D-Secure authentication for this transaction. If not inputted, will follow the merchant's 3DS settings. Accepted values: true: 3DS will be initiated false: 3DS will be skipped
given_names optional	string	Primary or first name/s of the customer minimum length: 1 character maximum length: 255 characters
surname optional	string	Surname or last name of the customer minimum length: 1 character maximum length: 255 characters
email optional	string	Enduser's email address which associated with the card
mobile_number optional	string	Enduser's mobile phone number which associated with the card
phone_number optional	string	Enduser's other phone number which associated with the card (e.g. landline)
country required	string	2-letter ISO 3166-2 country code for the customer's country of residence
street_line1 optional	string	Building name and apartment unit number minimum length: 1 character maximum length: 255 characters
street_line2 optional	string	Building street address minimum length: 1 character maximum length: 255 characters
city optional	string	City, village or town as appropriate minimum length: 1 character maximum length: 255 characters
province_state optional	string	Use this to enter province, state or region of residence. If the user is USA citizen, make sure to use state code (e.g put CA instead of California) minimum length: 1 character maximum length: 255 characters
postal_code optional	string	Postal, zip or rural delivery code, if applicable minimum length: 1 character maximum length: 255 characters
descriptor optional	string	Specific descriptor to define merchant's identity. This is the message that will be printed in the credit card statement. minimum length: 1 character maximum length: 20 characters
use_reward optional	boolean	Whether to use cardholder’s rewards balance available with their issuing bank for the payment. Should only be sent if merchant has received a Get Charge Option stating that the card is eligible for rewards. Values: ‘true’: all available rewards balance on the card will be used ‘false’: no rewards balance on the card will be used
installment_count optional	number	Together with the "interval" parameter, this defines your installment tenor. If you want the installment tenor to be 3 months, then the value of "count" should be 3
installment_interval optional	string	Together with the "count" parameter, this defines your installment tenor. If you want the installment tenor to be 3 months, then the value of "interval" should be "month".
installment_code optional	string	Used to identify the installment type and associated features such as interest rates and fees. Mandatory if Xendit has returned an installment_code in a Get Charge Option response for this card.
mid_label optional	string	Label assigned to a Merchant ID. Merchant IDs are accounts opened with acquirers to enable Visa/MasterCard (and others) transactions. Use only if you have your own MID with an acquirer, and have configured its label in the Xendit Dashboard.

Response Parameters

Parameter	Type	Description
id required	string	Unique ID of the transaction in Xendit’s system.
created required	string	An ISO timestamp that tracks when the charge was made (Timezone: GMT+0).
reference_id required	string	A unique identifier of your choice, included in the request.
business_id required	string	The ID of your business in Xendit.
card_brand required	string	Card scheme (VISA, MASTERCARD, JCB, ...)
card_type required	string	Type of card (CREDIT or DEBIT)
masked_card_number required	number	Masked card number. The first 6 digits are the BIN (Bank Identification Number).
authorized_amount required	number	Amount that was authorized for this charge.
capture_amount required	number	Amount that was captured for this charge. Can be up to the authorized_amount.
currency required	string	Currency in which the payment was made, included in the request.
status required	string	Status of the charge transaction in xendit system. See Charge Statuses.
eci required	string	"Electroni" Commerce Indicator”, which tells you whether 3DS authentication was successful or not. Status of 3DS authentication. See ECI codes.
cvn_code optional	string	Response from validating the CVN (3-digit security code on back of card). See CVN Codes.
merchant_id optional	string	Merchant ID used for processing credit cards. Will return the Merchant ID number provided by the acquirer. Use this to identify the MID used, and reconcile transactions processed with each MID. Only returned if you are using your own MID.
merchant_reference_code required	string	Unique identification code used by the card processor to identify the transaction.Used as another unique identifier for referencing the transaction.
bank_reconciliation_id required	string	Secondary ID used by the processor and bank to reconcile the transaction. Used for reconciling the transaction with acquirers, e.g. when finding out when funds will be settled or if there is an amount discrepancy.
descriptor optional	string	Freetext you can use to describe the transaction. Used to add notes about the transaction e.g. "recurrin" payment for meal plan ABCDE”.
signed_field_names required	string	Names of all the fields used for verification with the created signature, separated with commas.
signature required	string	Signature you provided in the request.
reward_balance required	string	Balance of rewards left in the issuing bank for this card. Only returned if ‘use_reward’ was set to ‘true’ in the Safe Acceptance request.
installment_count required	string	Returned to mark a transaction as an installment. Together with the "interval" parameter, this defines your installment tenor.
installment_interval required	string	Returned to mark a transaction as an installment. Together with the "count" parameter, this defines your installment tenor.
installment_code required	string	Returned to mark a transaction as an installment. Used to identify the installment type and associated features such as interest rates and fees.
approval_code required	string	Represents the five or six numbers generated by an issuing bank, or the bank of a buyer using a credit card, for the purpose of validating a credit card whenever it is approved in the transaction.

Statuses

Status	Description
CAPTURED	Charge is successfully captured and the funds will be settled according to the settlement schedule.
AUTHORIZED	Charge is successfully authorized.
REVERSED	Charge is successfully reversed.
FAILED	Charge failed. See Charge Failure Reasons

CVN Codes

Code	Description
M	Match - CVN provided matches the CVN on the issuer's record.
N	Not match - CVN provided does not match CVN on the issuer's record.
P	Not processed - either the card does not have a valid CVN, or the CVN was somehow not accepted by the issuer. Retry again and if the response persists, try a different card.

Failure Reasons

Failure Reason	Description
EXPIRED_CARD	The card you are trying to capture has expired. Ask your customer for a different card.
INSUFFICIENT_BALANCE	The card you are trying to capture does not have enough balance to complete the capture.
INVALID_CVN	The CVN that is being submitted is not correct.
CARD_DECLINED	The card you are trying to capture has been declined by the issuing bank. Ask your customer for a different card.
ISSUING_BANK_UNAVAILABLE	The card you are trying to use is either a test or invalid card, or the issuing bank is not enrolled in 3DS.

Error Codes

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation. The errors field contains details about which fields are violating validation.
INVALID_JSON_FORMAT 400	The request body is not a valid JSON.
INVALID_API_KEY 400	Please include your public API key as an authorization.
SIGNATURE_VALIDATION_ERROR 400	The signature created for this transaction is not valid.

Capture Charge

Definition: Capture Charge

POST https://api.xendit.co/credit_card_charges/:credit_card_charge_id/capture

Example Capture Charge Request

curl https://api.xendit.co/credit_card_charges/5877255293ff67900c6aa64e/capture \
    -X POST \
    -u xnd_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==: \
    -d amount=15000

<?php

  use Xendit\Xendit;
  require 'vendor/autoload.php';

  Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

  $id = '598942c4bb91a4ec309e9a37';
  $params = ['amount' => 10000];

  $captureCharge = \Xendit\Cards::capture($id, $params);
  var_dump($captureCharge);

?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { Card } = x;
const cardSpecificOptions = {};
const card = new Card(cardSpecificOptions);

const resp = await card.captureCharge({
  chargeID: id,
  amount: 10000,
});
console.log(resp)

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  CreditCardCharge creditCardCharge = CreditCard.captureCharge(
    "12345678", //chargeId
    10000 //amount
  );
} catch (XenditException e) {
  e.printStackTrace();
}

captureChargeData := card.CaptureChargeParams{
    ChargeID: "598942c4bb91a4ec309e9a37",
    Amount:   9900,
}

chargeResp, err := card.CaptureCharge(&captureChargeData)
if err != nil {
    log.Fatal(err)
}

fmt.Printf("captured charge: %+v\n", chargeResp)

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
CreditCard = xendit_instance.CreditCard

charge = CreditCard.capture_charge(
    credit_card_charge_id="5f0422aa2bbbe50019a368c2",
    amount=75000,
)
print(charge)

Example Capture Charge Response

{
  "created": "2020-01-08T04:49:08.815Z",
  "status": "CAPTURED",
  "business_id": "5848fdf860053555135587e7",
  "authorized_amount": 10000,
  "external_id": "test-pre-auth",
  "merchant_id": "xendit",
  "merchant_reference_code": "598942aabb91a4ec309e9a35",
  "card_type": "CREDIT",
  "masked_card_number": "400000XXXXXX0002",
  "charge_type": "SINGLE_USE_TOKEN",
  "card_brand": "VISA",
  "bank_reconciliation_id": "5132390610356134503009",
  "capture_amount": 9900,
  "descriptor": "My new store",
  "id": "598942c4bb91a4ec309e9a37"
}

Capturing a charge only needed if you do pre-authorization by specifying capture to false in create charge request. You can capture a charge with amount different than authorized amount as long as it's less than authorized amount. Response for this endpoint is the same as create charge response

Request Parameters

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Query Parameter	Type	Description
credit_card_charge_id required	string	Charge ID of authorization

Body Parameter	Type	Description
amount required	string	Amount to be captured. Can be up to amount of authorization but not more

Error Codes

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation. The errors field contains details about which fields are violating validation.
INVALID_JSON_FORMAT 400	The request body is not valid JSON.
AMOUNT_GREATER_THAN_AUTHORIZED_ERROR 400	Capture amount is larger than authorized amount
INVALID_CHARGE_STATUS_ERROR 400	Charge status is not AUTHORIZED
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here
CREDIT_CARD_CHARGE_NOT_FOUND_ERROR 404	credit_card_charge_id not found
AUTHORIZATION_EXPIRED 400	It is likely that the authorization has been reversed because it expired. Please create another authorization or charge.

Create Refund

Definition: Create Refund

POST https://api.xendit.co/credit_card_charges/:credit_card_charge_id/refunds

Example Refund Request

curl https://api.xendit.co/credit_card_charges/5877255293ff67900c6aa64e/refunds \
    -X POST \
    -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
    -H "X-IDEMPOTENCY-KEY: unique-id-12345" \
    -H "x-api-version: 2019-05-01" \
    -d "amount": 15000
    -d "external_id": unique-external-id

<?php

  use Xendit\Xendit;
  require 'vendor/autoload.php';

  Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

  $params = [
      'external_id' => 'postman-charge-1502436793',
      'amount' => 15000,
      'X-IDEMPOTENCY-KEY' => 'unique-id'
  ];

  $refund = \Xendit\Cards::createRefund($id, $params);
  var_dump($refund);

?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { Card } = x;
const cardSpecificOptions = {};
const card = new Card(cardSpecificOptions);

const resp = await card.createRefund({
  chargeID: '5877255293ff67900c6aa64e',
  amount: 15000,
  externalID: 'unique-external-id',
});
console.log(resp);

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  CreditCardRefund creditCardRefund = CreditCard.createRefund(
    "1234567", //id
    15000, //amount
    "unique-external-id" //externalId
  );
} catch (XenditException e) {
  e.printStackTrace();
}

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

createRefundData := card.CreateRefundParams{
  IdempotencyKey: "unique-idempotency-key",
  ChargeID:       "58f984f09d1b74bc08506c34",
  Amount:         15000,
  ExternalID:     "unique-external-id",
}

refundResp, err := card.CreateRefund(&createRefundData)
if err != nil {
  log.Fatal(err)
}

fmt.Printf("refunded charge: %+v\n", refundResp)

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
CreditCard = xendit_instance.CreditCard

refund = CreditCard.create_refund(
    credit_card_charge_id="5f0422aa2bbbe50019a368c2",
    amount=10000,
    external_id="card_refund-1594106755",
)
print(refund)

Example Refund Response

{
  "updated": "2020-01-21T04:05:09.755Z",
  "created": "2020-01-21T04:05:04.936Z",
  "credit_card_charge_id": "58f89041780d51ed097896c5",
  "user_id": "57c5aa7a36e3b6a709b6e148",
  "amount": 15000,
  "external_id": "unique-external-id",
  "status": "REQUESTED",
  "fee_refund_amount": 150,
  "id": "58f984f09d1b74bc08506c34"
}

The Refund API accepts two parameters, amount and external_id. The charge ID, which is returned after a successful charge, must be used in request URL per the definition. Several partial refund calls can be made, so long as the total amount refunded is not greater than the total charge amount.

Note: Idempotency can be achieved by sending a header with the key X-IDEMPOTENCY-KEY.

Request Parameters

Header Parameter	Type	Description
X-IDEMPOTENCY-KEY optional	string	A unique key to prevent processing duplicate requests. Must be unique across test & live mode.
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information
x-api-version required	string	Value of this must be "2019-05-01".

Body Parameter	Type	Description
amount required	string	The amount to be refunded.
external_id required	string	A unique identifier of your choice. Max 64 characters.

Response Parameters

Parameter	Type	Description
updated required	string	ISO timestamp that tracks when the last time refund was updated.
created required	string	ISO timestamp that tracks when the refund was made Timezone: GMT+0 .
credit_card_charge_id required	string	charge ID, a unique identifier for each charge.
user_id required	string	ID of your business in Xendit's system.
amount required	number	Refund amount.
external_id required	string	Unique identifier for refund request, provided by you.
status required	string	Status of the refund. See Refund Statuses
failure_reason optional	string	Reason provided if refund request fails. See Refund Failure Reasons
fee_refund_amount required	number	Amount of Xendit's fee refunded (proportional to the refund amount).
id required	string	Unique ID referencing the refund request.

Statuses

Status	Description
REQUESTED	Refund request succeeded
FAILED	Refund failed

Error Codes

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation. The errors field contains details about which fields are violating validation.
INVALID_JSON_FORMAT 400	The request body is not valid JSON.
REFUND_AMOUNT_EXCEEDED_ERROR 400	Refunded amount would exceed total charge
DUPLICATE_REFUND_ERROR 400	external_id has already been used
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here
CREDIT_CARD_CHARGE_NOT_FOUND_ERROR 404	credit_card_charge_id not found

Failure Reason

Failure Reason	Description
INSUFFICIENT_BALANCE	Your Xendit balance has insufficient funds to create a refund
REFUND_FAILED	The refund request has been rejected by the processor. Please try again or contact us at help@xendit.co
REFUND_PERIOD_EXPIRED	Refund period expired. The period where this charge can be refunded has expired. You can try refunding the charge by making a disbursement

Get Charge

Definition: Get Charge

GET https://api.xendit.co/credit_card_charges/:credit_card_id?id_type=charge

Example Get Charge Request Using External ID

curl https://api.xendit.co/credit_card_charges/5877255293ff67900c6aa64e?id_type=external \
    -X GET \
    -u xnd_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==:

Example Get Charge Request Using Charge ID (Default)

curl https://api.xendit.co/credit_card_charges/5877255293ff67900c6aa64e \
    -X GET \
    -u xnd_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==:

<?php

  use Xendit\Xendit;
  require 'vendor/autoload.php';

  Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

  $id = '598942c4bb91a4ec309e9a37';
  $getCharge = \Xendit\Cards::retrieve($id);
  var_dump($getCharge);

?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { Card } = x;
const cardSpecificOptions = {};
const card = new Card(cardSpecificOptions);

const resp = await card.getCharge({ chargeID: '5877255293ff67900c6aa64e' });
console.log(resp);

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  CreditCardCharge creditCardCharge = CreditCard.getCharge("5877255293ff67900c6aa64e");
} catch (XenditException e) {
  e.printStackTrace();
}

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

getChargeData := card.GetChargeParams{
  ChargeID: "598942c4bb91a4ec309e9a37",
}

chargeResp, err := card.GetCharge(&getChargeData)
if err != nil {
  log.Fatal(err)
}

fmt.Printf("retrieved charge: %+v\n", chargeResp)

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
CreditCard = xendit_instance.CreditCard

charge = CreditCard.get_charge(
    credit_card_charge_id="5f0422aa2bbbe50019a368c2",
)
print(charge)

Example Get Charge Response

{
  "created": "2020-01-08T04:49:08.815Z",
  "status": "CAPTURED",
  "business_id": "5848fdf860053555135587e7",
  "authorized_amount": 10000,
  "external_id": "test-pre-auth",
  "merchant_id": "xendit",
  "merchant_reference_code": "598942aabb91a4ec309e9a35",
  "card_type": "CREDIT",
  "masked_card_number": "400000XXXXXX0002",
  "charge_type": "SINGLE_USE_TOKEN",
  "card_brand": "VISA",
  "bank_reconciliation_id": "5132390610356134503009",
  "capture_amount": 9900,
  "descriptor": "My new store",
  "id": "598942c4bb91a4ec309e9a37"
}

This is endpoint to get a charge object. You need to specify the id in the query parameter which you can choose between charge to use charge_id and external to use the external id / reference provided in your create charge request. Response for this endpoint is the same as create charge response

Request Parameters

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Query Parameter	Type	Description
credit_card_id required	string	Can be either charge id of the payment that have been authorized / captured OR external_id of the payment that already requested by the user
id_type optional	string	Defined in [ID Types] (#id-types). If not filled, value will use charge by default.

ID Types

Type	Description
charge	Use charge ID provided by xendit which can be retrieved from the charge response to retrieve the transaction detail (default value)
external	Use external ID submitted by the user during charge / authorization request to retrieve the transaction detail

Error Codes

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation. The errors field contains details about which fields are violating validation.
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here
CREDIT_CARD_CHARGE_NOT_FOUND_ERROR 404	credit_card_charge_id not found

Get Charge Option

When accepting credit card payments from your customers, you may wish to give them additional payment options. These can include:

• Paying by installments
• Giving a discount through a Promotion

These options must be selected by a customer before you create a Charge. For example, you would check if a card is eligible for a Promotion, and discount the Charge amount if so, before you initiate payment you would check if a card can be used for installments, and return the option to the customer, to let them choose if they want to do so

Our GET Charge Option API endpoint helps you with this. Send a request to this endpoint with info entered by your customer (such as card Bank Identification Number (BIN), promo code) and Xendit checks to see what Charge Options are available. The response will contain all options available for that card. You can select an option and create a Charge with the details from that option. This API will only return promotion response with ACIVE status.

Definition: Get Charge Option

GET https://api.xendit.co/credit_card_charges/option?amount={amount}&bin={bin}&currency={currency}

Example Get Charge Option Using First 6 Digits of Card

curl -X GET \
  https://api.xendit.co/credit_card_charges/option?amount=1000000&bin=552002&currency=IDR
  -u xnd_public_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==: \
  -H 'content-type: application/json' \

Example Get Charge Option Using Token ID

curl -X POST \
  https://api.xendit.co/credit_card_charges/option?amount=1000000&token_id=598d5d0e51e0870d44c61534&currency=IDR
  -u xnd_public_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==: \
  -H 'content-type: application/json' \

Get Charge Option Request

Query Parameter	Type	Description
bin required but optional if token_id exists	string	The BIN (first 6 digits of a card) entered by the cardholder, which you want to check if it is associated with any Charge Option.
amount required	number	The amount of the original transaction.
currency optional	string	The currency which payment will be made in. For banks with branches in more than one country, a Promotion will only apply to cards based on the currency. e.g. if currency is IDR and channel_code is DBS, then the Promotion will apply only to BINs issued by DBS Indonesia.
promo_code optional	string	Promo code which can be used by an end user to activate the promo. Include this if you want your Promotion be activated by your user entering a promo code is entered. Charactersa-z, A-Z, 0-9; accepted symbols - _ \
token_id optional	string	Token ID of a card, obtained during tokenization with Xendit. We will look up the token to associate it with a BIN and get the available options.
card_cvn optional	number	Three digit code written on the back of the card (usually called CVV/CVN). Recommended to include if the token_id you are sending is for a multiple use token.

Example Get Charge Option Response

{
    "business_id": "5ea2a0cdb62b6a00108ed248",
    "bin": "552002",
    "promotions":[{
        "reference_id": "some_promo_1",
        "discount_percent": "25",
        "original_amount": 1000000,
        "final_amount": 975000,
        "currency": "IDR",
        "min_original_amount": 500000,
        "max_discount_amount": 25000
    }],
    "installments" : [{
        "count": 3,
        "interval": "month",
        "acquirer": "BRI",
        "currency": "IDR",
        "minimum_amount": 500000
    },{
        "count": 6,
        "interval": "month",
        "acquirer": "BRI",
        "currency": "IDR",
        "minimum_amount": 500000
    },{
        "count": 12,
        "interval": "month",
        "acquirer": "BRI",
        "currency": "IDR",
        "minimum_amount": 500000
    }]
}

Get Charge Option Response

Parameter	Type	Description
business_id required	string	The ID of your business in Xendit.
bin required	string	The BIN (first 6 digits of a card) entered by the cardholder, which you sent in the Get Charge Option request.
promotions optional	array	Array containing details of all promotions applicable to the card. promotion details child parameters Key Value reference_id optional string Unique reference, such as an ID or name which you assigned to the promo and you've inputted in the promo creation request. Charactersa-z, A-Z, 0-9; accepted symbols - _ \ original_amount required number The amount of the original transaction (before the Promotion discount). discount_amount optional number Amount of discount applicable for a specific Promotion (includes decimal). MaximumNone Minimum0 discount_percent optional number Percentage discount applicable for a specific Promotion (includes decimal). Maximum100 Minimum0 final_amount required number The final amount, after the Promotion discount has been applied. You should use this sum to charge the card. currency required string The currency which payment will be made in. min_original_amount optional number Minimum of the original amount for a certain promo to be applicable or calculated. max_discount_amount optional number Maximum of the discount amount that will be applied for a certain promo.
installments optional	array	Define the available installment option. installments details child parameters Key Value count required numberTogether with the "interval" parameter, this defines your installment tenor count. interval required string Together with the "count" parameter, this defines your installment tenor period. acquirer required stringThe bank corresponding to the card BIN, which offers the installments. currency required string The currency which payment will be made in. minimum_amount required numberThe minimum amount necessary for a card Charge to be paid via installments. A Charge with amount below this minimum cannot be paid via installments. May differ across banks, and may not always apply. maximum_amount optional numberWill be returned if the Installment plan limits the transaction amount for payments using Installments. If the transaction you have created exceeds this amount, an error may be returned. code optional stringWill be returned if the issuing bank returns an installment code to identify or categorize the available installments. description optional stringWill be returned if the bank returns a description of the Installment plan. interest_free_duration optional numberDescribes the number of months that interest will not be charged for the installments, if available. Should be returned to the customer on the frontend client. Only returned if provided by the bank. installment_amount optional numberThe amount that the cardholder needs to pay for each installment. Takes the total transaction amount and divides it over the installment_count.
reward optional	object	If Rewards are available for the card, this object will be returned. reward details child parameters Key Value balance required numberThe balance of rewards available to be used for this card.

Create Promotion

A great way to attract more customers is to offer discounts based on the type of card that they use. Issuing banks often collaborate with merchants to provide discounts to users if they choose to use their cards. An important feature in the payment flow is the ability to check if the card number entered by a user is issued by a specific bank.

Xendit's Promotion APIs fully support such promotions. They allow you to create a Promotion and select a range of credit card Bank Identification Numbers (BINs) to whitelist (BINs are the first 6 digits of a card, e.g. 480012). During the card payment process, send us a request to GET a Promotion Calculation. If an applicable Promotion for the type of card exists, Xendit automatically applies the promotion discount rate and returns you the information so you can charge the discounted amount.

Definition: Create Promotion

POST https://api.xendit.co/promotions

Example Create Promotion Request

curl -X POST \
  https://api.xendit.co/promotions
  -u xnd_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==: \
  -H 'content-type: application/json' \
  -d {
      "reference_id": "BRI_20_JAN",
      "description": "20% discount applied for all BRI cards",
      "bin_list": [
          "400000",
          "460000"
      ],
      "discount_percent": 20,
      "channel_code": "BRI",
      "currency": "IDR",
      "min_original_amount": 25000,
      "max_discount_amount": 5000
    }

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
CreditCard = xendit_instance.CreditCard

promotion = CreditCard.create_promotion(
    reference_id="BRI_20_JAN-1594176600",
    description="20% discount applied for all BRI cards",
    discount_amount=10000,
    bin_list=['400000', '460000'],
    start_time="2020-01-01T00:00:00.000Z",
    end_time="2021-01-01T00:00:00.000Z",
    min_original_amount=25000,
    max_discount_amount=5000
)
print(promotion)

Example Create Promotion Response

{
    "id": "36ab1517-208a-4f22-b155-96fb101cb378",
    "business_id": "5e61664b3dba955c203d232e",
    "reference_id": "BRI_20_JAN",
    "description": "20% discount applied for all BRI cards",
    "start_time": "2020-01-01 00:00:00.000Z",
    "end_time": "2020-01-01 00:00:00.000Z",
    "status": "ACTIVE",
    "bin_list": [
      "400000",
      "460000"
    ],
    "discount_percent": 20,
    "channel_code": "BRI",
    "currency": "IDR",
    "min_original_amount": 25000,
    "max_discount_amount": 5000
}

Request Parameters

Body Parameter	Type	Description
reference_id required	string	Unique reference, such as an ID or name, you wish to assign to the created Promotion. Charactersa-z, A-Z, 0-9; accepted symbols all special characters are allowed
description required	text	The description of the Promotion. This will later be returned in the Get Promotions Calculation response, and you can expose it to the user on your user interface.
promo_code optional	string	Promo code which can be used by an end user to activate the promo. Include this if you want your Promotion to be activated by the end user entering a code. A Promotion can be created with both the promo_code and bin_list or channel_code, if you want only certain cards to be able to use the promo code. Charactersa-z, A-Z, 0-9; accepted symbols all special characters are allowed
bin_list optional	array of strings	The list of BINs whitelisted for a specific Promotion. Example: [ "400000", "460000" ]
channel_code optional	string	The bank whitelisted for a specific Promotion. When a specific bank is chosen, any BIN which Xendit associates with that bank will be eligible for the Promotion.
discount_percent optional	number	Percentage discount applicable for a specific Promotion. e.g. you want the Promotion to be a 20% discount. Either discount_percent or discount_amount is required. CharactersNumbers (includes decimals) Maximum 100 Minimum0
discount_amount optional	number	Amount of discount applicable for a specific Promotion. e.g. you want the Promotion to be a 50000 IDR discount. Either discount_percent or discount_amount is required. CharactersNumbers (includes decimals) Maximum none Minimum0
currency required default: IDR	string	Currency which you want to process the transaction in. Use a three-letter ISO currency code. For banks with branches in more than one country, a Promotion will only apply to cards based on the currency. e.g. if currency is IDR and channel_code is DBS, then the Promotion will apply only to BINs issued by DBS Indonesia.
start_time required	ISO	All created Promotions will start immediately by default. If you want a Promotion to start later, use this field to enter the start date of the promotion. Promo end date must be a date in the future.
end_time required	ISO	Date which the Promotion will end. Promo end date must be a date in the future.
min_original_amount optional	number	Minimum of the original amount for a certain promo to be applicable or calculated.
max_discount_amount optional	number	Maximum of the discount amount that will be applied for a certain promo.

Response Parameters

Promotion Object

Parameter	Type	Description
id	string	Unique ID of the created Promotion (generated by Xendit).
business_id	string	ID of your account with Xendit, used to identify you as a unique merchant.
status	string	Status of the Promotion. See Promotion Statuses
reference_id	string	Unique reference, such as an ID or name, you wish to assign to the created Promotion. Charactersa-z, A-Z, 0-9; accepted symbols all special characters are allowed
description	text	The description of the Promotion. You can expose this to the user on your user interface to give them details about the Promotion.
promo_code	string	Promo code which can be used by an end user to activate the promo. Include this if you want your Promotion to be activated by the end user entering a code. A Promotion can be created with both the promo_code and bin_list or channel_code, if you want only certain cards to be able to use the promo code.. Charactersa-z, A-Z, 0-9; accepted symbols all special characters are allowed
bin_list	array of strings	The list of BINs whitelisted for a specific Promotion.
channel_code	string	The bank whitelisted for a specific Promotion. When a specific bank is chosen, any BIN which Xendit associates with that bank will be eligible for the Promotion. The channel code must match the channel codes here precisely.
discount_percent	number	Percentage discount applicable for a specific Promotion. CharactersNumbers (includes decimals) Maximum 100 Minimum0
discount_amount	number	Amount of discount applicable for a specific Promotion. CharactersNumbers (includes decimals) Maximum none Minimum0
currency default: IDR	string	Currency which you want to process the transaction in. Use a three-letter ISO currency code. For banks with branches in more than one country, a Promotion will only apply to cards based on the currency. e.g. if currency is IDR and channel_code is DBS, then the Promotion will apply only to BINs issued by DBS Indonesia.
start_time	ISO	All created Promotions will start immediately by default. If you want a Promotion to start later, use this field to enter the start date of the promotion. Promo end date must be a date in the future.
end_time	ISO	Date which the Promotion will end. Promo end date must be a date in the future.
min_original_amount	number	Minimum of the original amount for a certain promo to be applicable or calculated.
max_discount_amount	number	Maximum of the discount amount that will be applied for a certain promo.

Promotion Statuses

Status	Description
ACTIVE	Promotion is active and eligible
INACTIVE	Promotion is still valid but inactive due to not yet started
EXPIRED	Promotion is already passed the end_time
PAUSED	Promotion is paused in the middle of the period based on user's request

Error Codes

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation. The errors field contains details about which fields are violating validation.
INVALID_JSON_FORMAT 400	The request body is not valid JSON.
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have the necessary permissions to perform the request. Please assign proper permissions for the key, or use a different key.
REFERENCE_IN_USE 409	This Promotion name has been used for a previous or existing Promotion. Please use a different name.
PROMO_CODE_IN_USE 409	This Promotion code has been used for a previous or existing Promotion. Please use a different code

Get Promotions

Use this API endpoint to obtain details of a created Promotion. Useful to get a quick snapshot of your available Promotions. If more than one Promotion matches a field you have entered, an array of all the relevant Promotions will be returned.

Definition: Get Promotions

GET https://api.xendit.co/promotions?reference_id={reference_id}

Example Get Promotions Request

curl -X GET \
  https://api.xendit.co/promotions?reference_id=BRI_20_JAN
  -u xnd_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==: \
  -H 'content-type: application/json' \

Example Get Promotions Response

{
    "id": "36ab1517-208a-4f22-b155-96fb101cb378",
    "business_id": "5e61664b3dba955c203d232e",
    "reference_id": "BRI_20_JAN",
    "description": "20% discount applied for all BRI cards",
    "start_time": "2020-01-01 00:00:00.000Z",
    "end_time": "2020-01-01 00:00:00.000Z",
    "status": "ACTIVE",
    "bin_list": [
        "400000",
        "460000"
    ],
    "discount_percent": 20,
    "channel_code": "BRI",
    "currency": "IDR",
    "min_original_amount": 25000,
    "max_discount_amount": 5000
}

Request Parameters

Query Parameter	Type	Description
reference_id optional	string	Enter the specific reference_id of a single Promotion.
status required	enum	Status of the Promotion. ACTIVE or INACTIVE.
bin optional	string	A specific BIN. Example: 460000
channel_code optional	string	The bank whitelisted for a specific Promotion.
currency optional default: IDR	string	Currency which you want to process the transaction in. Use a three-letter ISO currency code. currently, only IDR is accepted.

Response Parameters

The array returns details of available Promotions depending on what fields you included in your query, in the Promotion Object format. For example, if you entered the bin_list value as [ "400000" ], an array of all available Promotions which include that BIN value will be returned.

If no promotions match the query, an empty array will be returned.

Get Promotions Calculation

This endpoint is used to calculate how much discount should be applied to an amount being charged. It accepts a BIN or a promo_code, as well as the original charge amount. If the BIN or promo_code matches an available Promotion, Xendit will apply the discount to the original amount and return the discounted amount in the response. This API will only perform calculation for promotion with ACIVE status.

We've built a page for you to test sending Get Promotion Calculations requests before you integrate. Try it out here. You'll need your Public API key, which you can obtain from registering on our Dashboard and heading to the Settings page.

Definition: Get Promotions Calculation

GET https://api.xendit.co/promotions/calculate?amount={amount}&bin={bin}

Example Get Promotions Calculation Request using Bin

curl -X GET \
  https://api.xendit.co/promotions/calculate?amount=1000000&bin=460000
  -u xnd_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==: \
  -H 'content-type: application/json' \

Example Get Promotions Calculation Request using Token ID

curl -X GET \
  https://api.xendit.co/promotions/calculate?amount=1000000&token_id=598d5d0e51e0870d44c61534
  -u xnd_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==: \
  -H 'content-type: application/json' \

Get Promotions Calculation Request

Query Parameter	Type	Description
amount required	number	The amount of the original transaction (before the Promotion discount).
bin optional	string	The BIN entered by the cardholder, which you want to check if it is associated with any active Promotion.
promo_code optional	string	The promo_code entered by the cardholder, which you want to check if it is associated with any active Promotion.
currency optional default: IDR	string	Currency which you want to process the transaction in. Use a three-letter ISO currency code.
token_id optional	string	Token ID of a card, obtained during tokenization with Xendit. We will look up the token to associate it with a BIN and get the available options.

Example Get Promotions Calculation Response

{
    "original_amount": 1000000,
    "discount_percent": 20,
    "reference_id": "BRI_20_JAN",
    "final_amount": 900000,
    "currency": "IDR",
    "description": "20% discount applied for all BRI cards with maximum discount amount 100000",
    "min_original_amount": 500000,
    "max_discount_amount": 100000
}

Get Promotions Calculation Response

Parameter	Type	Description
reference_id required	string	Unique reference which you assigned to the created Promotion.
original_amount required	number	The amount of the original transaction (before the Promotion discount).
discount_percent optional	number	Percentage discount applicable for a specific Promotion. Returned if the Promotion was created using discount_percent.
discount_amount optional	number	Amount of discount applicable for a specific Promotion. Returned if the Promotion was created using discount_amount.
final_amount required	number	The final amount, after the Promotion discount has been applied. You should use this sum to charge the card.
description required	text	The description of the Promotion. Returned in the Get Promotions Calculation response so you can expose it on your user interface.
min_original_amount optional	number	Minimum of the original amount for a certain promo to be applicable or calculated.
max_discount_amount optional	number	Maximum of the discount amount that will be applied for a certain promo.

Update Promotion

Use this endpoint to update the details of an existing Promotion.

Definition: Update Promotion

PATCH https://api.xendit.co/promotions/:promotion_id

Example Update Promotion request

curl -X PATCH \
  https://api.xendit.co/promotions/36ab1517-208a-4f22-b155-96fb101cb378
  -u xnd_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==: \
  -H 'content-type: application/json' \
 -d {
        "description": "20% discount applied for all BCA cards",
        "bin_list": [
          "411455",
          "422566"
        ],
        "discount_percent": 20,
        "channel_code": "BCA",
        "currency": "IDR"
    }

Example Update Promotion response

{
    "id": "36ab1517-208a-4f22-b155-96fb101cb378",
    "business_id": "5e61664b3dba955c203d232e",
    "reference_id": "BCA_20",
    "description": "20% discount applied for all BRI cards",
    "start_time": "2020-01-01 00:00:00.000Z",
    "end_time": "2020-01-01 00:00:00.000Z",
    "transaction_limit": 0,
    "is_deleted": false,
    "status": "ACTIVE",
    "bin_list": [
        "411455",
        "422566"
    ],
    "discount_percent": 20,
    "channel_code": "BCA",
    "currency": "IDR",
    "min_original_amount": 25000,
    "max_discount_amount": 5000
}

Request Parameters

Path Parameter	Type	Description
promotion_id required	string	Enter promotion id which provided by Xendit in promotion object

Not every parameter in the Promotion Object can be updated. Those that can be updated can be found below.

Body Parameter	Type	Description
description optional	text	The description of the Promotion. This will later be returned in the Get Promotions Calculation response, and you can expose it to the user on your user interface.
promo_code optional	string	Promo code which can be used by an end user to activate the promo. Include this if you want your Promotion to be activated by the end user entering a code. A Promotion can be created with both the promo_code and bin_list or channel_code, if you want only certain cards to be able to use the promo code. Charactersa-z, A-Z, 0-9; accepted symbols all special characters are allowed
bin_list optional	array of strings	The list of BINs whitelisted for a specific Promotion.
channel_code optional	string	The bank whitelisted for a specific Promotion. When a specific bank is chosen, any BIN which Xendit associates with that bank will be eligible for the Promotion. The channel code must match the channel codes here precisely.
discount_percent optional	number	Percentage discount applicable for a specific Promotion. e.g. you want the Promotion to be a 20% discount. Either discount_percent or discount_amount is required. CharactersNumbers (includes decimals) Maximum 100 Minimum0
discount_amount optional	number	Amount of discount applicable for a specific Promotion. e.g. you want the Promotion to be a 50000 IDR discount. Either discount_percent or discount_amount is required. CharactersNumbers (includes decimals) Maximum none Minimum0
currency default: IDR	string	The currency which payment will be made in. For banks with branches in more than one country, a Promotion will only apply to cards based on the currency. e.g. if currency is IDR and channel_code is DBS, then the Promotion will apply only to BINs issued by DBS Indonesia.
start_time optional	ISO	All created Promotions will start immediately by default. If you want a Promotion to start later, use this field to enter the start date of the promotion. Promo end date must be a date in the future.
end_time optional	ISO	Date which the Promotion will end. Promo end date must be a date in the future.
min_original_amount optional	number	Minimum of the original amount for a certain promo to be applicable or calculated.
max_discount_amount optional	number	Maximum of the discount amount that will be applied for a certain promo.

Response Parameters

Returns Promotion Object. The parameters which you updated via the Update Promotion request will be the new parameters.

Error Codes

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation. The errors field contains details about which fields are violating validation.
INVALID_JSON_FORMAT 400	The request body is not valid JSON.
PROMOTION_NOT_FOUND_ERROR 404	Promotion not found. Please try again with valid promotion id.
PROMO_CODE_IN_USE 400	This Promotion code has been used for a previous or existing Promotion. Please use a different promo_code.
INVALID_DISCOUNT_TYPE 400	Promotion with promotion_id has [discount_amount / discount_percent] type. Please use the correct discount type
INVALID_START_TIME_UPDATE 400	Promotion with promotion_id has end time. Please try again with an updated start time that is before the end time.

Delete Promotion

Use this endpoint to delete an existing Promotion from your list of available Promotions.

Definition: Delete Promotion

DELETE https://api.xendit.co/promotions/:promotion_id

Example Delete Promotion request

curl -X DELETE \
  https://api.xendit.co/promotions/6055a96c-a870-4a2f-b61f-4015af6478cb
  -u xnd_development_OYiAfOR3gbOunJU4frcaHmLCYNLy8oQuknDm+R1r9G3S/byhDAB+gA==: \

Example Delete Promotion response

{
      "id":"6055a96c-a870-4a2f-b61f-4015af6478cb",
      "created":"2020-07-29T10:57:47.426Z",
      "business_id":"5edfb2a5d40e3040347d91fd",
      "reference_id":"Cypress-Test-Promo-Delete-1596020266435",
      "start_time":"2020-07-29T10:57:46.373Z",
      "end_time":"2020-07-30T10:57:46.373Z",
      "status":"DELETED",
      "type":"PROMO_CODE",
      "discount_amount":5000,
      "promo_code":"Cypress-Test-Promo-Delete-1596020266435",
      "currency":"IDR"
   }
}

Delete Promotion Request

Path Parameter	Type	Description
promotion_id required	string	Enter promotion id which provided by Xendit in promotion object

Delete Promotion Response

Parameter	Type	Description
id	string	Unique ID of the deleted Promotion (generated by Xendit).
is_deleted	boolean	Status of a promotion to describe that it's already deleted.

Error Codes

Error Code	Description
PROMOTION_NOT_FOUND_ERROR 404	Promotion with id not found. Please try again with valid id.

eWallets

Our eWallet API allows you to seamlessly charge and receive payments directly from top ewallets providers in SEA. With one integration, get access to all our available eWallets and upcoming eWallets integrations as well. To date, we've processed millions of eWallet transactions and support various business use cases

For full details on each API as well as help on integration, please refer to our documentation

Version

You are currently viewing the newest version of our eWallets API. In this API version, integrate once to get access to all available eWallets and future eWallets in Xendit! This API will also be used to support tokenized payment flow and auth/capture payment flow in the near future.

Version	Changelog
2021-01-25 Latest	New simple and consistent eWallets API to support top eWallets providers in Indonesia and Philippines No API Versioning is required. You can access the new API easily by calling POST /ewallets/charges
2020-02-01 will be deprecated by 31st March 2022	Implemented the asynchronous flow for OVO payment callbacks.
2019-02-04 will be deprecated by 31st March 2022	Returns a response immediately without any callbacks returned.

Create eWallet Charge

Endpoint: Create eWallet Charge Request

POST https://api.xendit.co/ewallets/charges

eWallet

Request Parameters

Example: Create eWallet Charge Request

curl https://api.xendit.co/ewallets/charges -X POST \
  --user xnd_development_LoReMIPman+ZPGT+ZZ9b3ooF4w3Dn+R1k+LoReMIPman: \
  --header 'content-type: application/json' \
  --data '{
    "reference_id": "order-id-123",
    "currency": "IDR",
    "amount": 25000,
    "checkout_method": "ONE_TIME_PAYMENT",
    "channel_code": "ID_SHOPEEPAY",
    "channel_properties": {
        "success_redirect_url": "https://redirect.me/payment"
        },
    "metadata": {
        "branch_area": "PLUIT",
        "branch_city": "JAKARTA"
        }
    }' \

try {
    Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";

    Map<String, String> channelProperties = new HashMap<>();
    channelProperties.put("success_redirect_url", "https://dashboard.xendit.co/register/1");
    Map<String, String> metadata = new HashMap<>();
    metadata.put("branch_code", "tree_branch");

    Map<String, Object> params = new HashMap<>();
    params.put("reference_id", "test-reference-id");
    params.put("currency", "IDR");
    params.put("amount", 1000);
    params.put("checkout_method", "ONE_TIME_PAYMENT");
    params.put("channel_code", "ID_SHOPEEPAY");
    params.put("channel_properties", channelProperties);
    params.put("metadata", metadata);

    EWalletCharge charge = EWalletCharge.createEWalletCharge(params);
} catch (XenditException e) {
    e.printStackTrace();
}

<?php

use Xendit\Xendit;
require 'vendor/autoload.php';

Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

$params = [
    'reference_id' => 'test-reference-id',
    'currency' => 'IDR',
    'amount' => 1000,
    'checkout_method' => 'ONE_TIME_PAYMENT',
    'channel_code' => 'ID_SHOPEEPAY',
    'channel_properties' => [
        'success_redirect_url' => 'https://dashboard.xendit.co/register/1',
    ],
    'metadata' => [
        'branch_code' => 'tree_branch'
    ]
];

$createEWalletCharge = \Xendit\EWallets::createEWalletCharge($ewalletChargeParams);
var_dump($createEWalletCharge);

?>

from xendit import EWallet

ewallet_charge = EWallet.create_ewallet_charge(
    reference_id="test-reference-id",
    currency="IDR",
    amount=1000,
    checkout_method="ONE_TIME_PAYMENT",
    channel_code="ID_SHOPEEPAY",
    channel_properties={
        "success_redirect_url": "https://dashboard.xendit.co/register/1",
    },
    metadata={
        "branch_code": "tree_branch",
    },
)

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

data := ewallet.CreateEWalletChargeParams{
    ReferenceID:    "test-reference-id",
    Currency:       "IDR",
    Amount:         1000,
    CheckoutMethod: "ONE_TIME_PAYMENT",
    ChannelCode:    "ID_SHOPEEPAY",
    ChannelProperties: map[string]string{
        "success_redirect_url": "https://dashboard.xendit.co/register/1",
    },
    Metadata: map[string]interface{}{
        "branch_code": "tree_branch",
    },
}

charge, chargeErr := ewallet.CreateEWalletCharge(&data)
if chargeErr != nil {
    log.Fatal(chargeErr)
}

fmt.Printf("created e-wallet charge: %+v\n", charge)

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { EWallet } = x;
const ewalletSpecificOptions = {};
const ew = new EWallet(ewalletSpecificOptions);

const resp = await ew.createEWalletCharge({
  referenceID: 'test-reference-id',
  currency: 'IDR',
  amount: 1000,
  checkoutMethod: 'ONE_TIME_PAYMENT',
  channelCode: 'ID_SHOPEEPAY',
  channelProperties: {
    successRedirectURL: 'https://dashboard.xendit.co/register/1',
  },
  metadata: {
    branch_code: 'tree_branch'
  }
});
console.log(resp);

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Body Parameter	Type	Description
reference_id required	string	Reference ID provided by merchant (255 characters) Note: It has to be unique per charge request
currency required	string	Currency used for the transaction in ISO4217 format - IDR, PHP
amount required	number	Transaction amount to be paid Min - 100 IDR or 1 PHP Max - based on eWallet holding limit
checkout_method required	string	Checkout method determines the payment flow used to process the transaction ONE_TIME_PAYMENT is used for single guest checkouts TOKENIZED_PAYMENT can be used for recurring payment
channel_code required if checkout_method = ONE_TIME_PAYMENT, optional if checkout_method = TOKENIZED_PAYMENT	string	Channel Code specifies which eWallet will be used to process the transaction - ID_OVO, ID_DANA, ID_LINKAJA, ID_SHOPEEPAY, ID_SAKUKU, PH_PAYMAYA, PH_GCASH, PH_GRABPAY
channel_properties required based on checkout_method and channel_code pairing	object	Channel specific information required for the transaction to be initiated OVO - one time payment required fields Key Value mobile_number required string Mobile number of customer in E.164 format (e.g. +628123123123) OVO - tokenized payment required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful failure_redirect_url required string URL where the end-customer is redirected if the authorization has failed redeem_points optional enum, default = "REDEEM_NONE" "REDEEM_NONE" - no points will be used or "REDEEM_ALL" - points will be used to offset payment amount before cash balance is used. REDEEM_ALL can only be used when approved by OVO for promotions. DANA, LINKAJA, SHOPEEPAY, SAKUKU required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful SHOPEEPAY - tokenized payment required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful redeem_points optional enum, default = "REDEEM_NONE" "REDEEM_NONE" - no points will be used or "REDEEM_ALL" - points will be used to offset payment amount before cash balance is used. Only 50% of transaction amount (rounded down) can paid using SHOPEEPAY coins. GCASH, GRABPAY required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful failure_redirect_url required string URL where the end-customer is redirected if the authorization has failed PAYMAYA required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful failure_redirect_url required string URL where the end-customer is redirected if the authorization has failed cancel_redirect_url required string URL where the end-customer is redirected if the authorization has been cancelled. End-customer can retry payment on the same link within 15 minutes.
payment_method_id required if checkout_method = TOKENIZED_PAYMENT, optional if checkout_method = ONE_TIME_PAYMENT	string	ID of the payment method. Payment method is being used for tokenized payment to abstract your customer's ewallet as payment method
customer_id optional	string	ID of the customer object to which the payment method will be linked to. Use Create Customer API to create your customer
basket optional	array	Array of objects describing the item(s) purchased Object parameters details Key Value reference_id required string Merchant's identifer for specific product <= 255 characters name required string Name of product category required string Merchant category for item - e.g. Electronics currency required string Currency used for the transaction in ISO4217 format - IDR, PHP price required number Price per unit in basket currency quantity required number Number of units of this item in the basket type required string Type of product - PRODUCT or SERVICE url optional string URL to e-commerce page of the item description optional string Description of product sub_category optional string Merchant sub-category for item - e.g. Mobile Phone metadata optional object Object of additional information the user may use. Users define the JSON properties and values. You can specify up to 50 keys, with key names up to 40 characters long and values up to 500 characters long. This will only be used by the user and not Xendit.
metadata optional	object	Object of additional information the user may use. Users define the JSON properties and values. You can specify up to 50 keys, with key names up to 40 characters long and values up to 500 characters long. This will only be used by the user and not Xendit.

Response Parameters

Example: Create eWallet Charge Request API Success Response

{
  "id": "ewc_bb8c3po-c3po-r2d2-c3po-r2d2c3por2d2",
  "business_id": "5f218745736e619164dc8608",
  "reference_id": "test-reference-id",
  "status": "PENDING",
  "currency": "IDR",
  "charge_amount": 1000,
  "capture_amount": 1000,
  "checkout_method": "ONE_TIME_PAYMENT",
  "channel_code": "ID_SHOPEEPAY",
  "channel_properties": {
    "success_redirect_url": "https://dashboard.xendit.co/register/1"
  },
  "actions": {
    "desktop_web_checkout_url": null,
    "mobile_web_checkout_url": null,
    "mobile_deeplink_checkout_url": "https://deeplinkcheckout.this/",
    "qr_checkout_string": "ID123XenditQRTest321DI"
  },
  "is_redirect_required": true,
  "callback_url": "https://calling-back.com/xendit/shopeepay",
  "created": "2017-07-21T17:32:28Z",
  "updated": "2017-07-21T17:32:28Z",
  "voided_at": null,
  "capture_now": true,
  "customer_id": null,
  "payment_method_id": null,
  "failure_code": null,
  "basket": null,
  "metadata": {
    "branch_code": "tree_branch"
  }
}

Body Parameter	Type	Description
id required	string	Unique identifier for charge request transaction. It will always have the prefix of 'ewc_', followed by a UUIDv4
business_id required	string	Business ID of the merchant
reference_id required	string	Reference ID provided by merchant Note: It has to be unique per payment request.
status required	string	Status of charge request Key Value SUCCEEDED Payment transaction for specified charge_id is successfully PENDING Payment transaction for specified charge_id is awaiting payment attempt by end user FAILED Payment transaction for specified charge_id has failed, check failure codes for reasons VOIDED Payment transaction for specified charge_id has been voided
currency required	string	Currency used for the transaction in ISO4217 format - IDR, PHP
charge_amount required	number	Requested charge amount from merchant
capture_amount optional	number	Requested capture amount from merchant. In requests where checkout_method = ONE_TIME_PAYMENT, capture_amount will always be the same as charge_amount
checkout_method required	string	Checkout method determines the payment flow used to process the transaction ONE_TIME_PAYMENT is used for single guest checkouts
channel_code required	string	Channel Code specifies which eWallet will be used to process the transaction - ID_OVO, ID_DANA, ID_LINKAJA, ID_SHOPEEPAY, ID_SAKUKU, PH_PAYMAYA, PH_GCASH, PH_GRABPAY
channel_properties optional	object	Channel specific information required for the transaction to be initiated OVO required fields Key Value mobile_number required string Mobile number of customer in E.164 format (e.g. +628123123123) DANA, LINKAJA, SHOPEEPAY, SAKUKU required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful GCASH, GRABPAY required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful failure_redirect_url required string URL where the end-customer is redirected if the authorization has failed PAYMAYA required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful failure_redirect_url required string URL where the end-customer is redirected if the authorization has failed cancel_redirect_url required string URL where the end-customer is redirected if the authorization has been cancelled. End-customer can retry payment on the same link within 15 minutes.
actions optional	string	Redirection actions to be taken when is_redirect_required returned in response is true. Merchants should choose one of the available options based on the ideal experience for their payment flows Key Value desktop_web_checkout_url eWallet issuer generated URL for web checkout on devices with a stand-alone screen mobile_web_checkout_url eWallet issuer generated URL for web checkout on mobile devices mobile_deeplink_checkout_url eWallet issuer generated URL for deeplink checkout on mobile devices (jumps directly into eWallet app for payment confirmation) qr_checkout_string eWallet issuer generated qr string for checkout usually on devices with a stand-alone screen Channels with redirection required more info Type DANA LINKAJA PAYMAYA SHOPEEPAY GCASH GRABPAY SAKUKU desktop_web_checkout_url ✓ ✓ ✓ ✕ ✓ ✓ ✓ mobile_web_checkout_url ✓ ✓ ✓ ✕ ✓ ✕ ✓ mobile_deeplink_checkout_url ✕ ✕ ✕ ✓ ✕ ✓ ✕ qr_checkout_string ✕ ✕ ✕ ✓ ✕ ✕ ✕
is_redirect_required required	boolean	Flag which indicates whether redirection is required for end user to complete payment When True, merchants should redirect the end user to the url given in the “actions” field. When False, there is no need for redirection for payment process to continue
callback_url required	string	Callback URL which payment notifications will be sent
created required	string	ISO 8601 Timestamp for charge object creation. Timezone UTC+0
updated required	string	ISO 8601 Timestamp for latest charge object update. Timezone UTC+0
voided_at optional	string	ISO 8601 Timestamp when transaction was voided. Timezone UTC+0
capture_now required	string	Default: true. Field not in use currently
customer_id optional	string	ID of the customer object created with Xendit. ID to will be linked to the transaction
payment_method_id optional	string	Xendit’s identifier for end user payment tokens binded with merchant. Only used for channels which support tokenized payments
failure_code optional	string	Reason for failure of payment by end user or eWallet issuer. The failure_code is notified to the merchant in the payment callback or GET payment status after transaction is attempted by end user
basket optional	array	Array of objects describing the item(s) purchased Object parameters details Key Value reference_id required string Merchant's identifer for specific product <= 255 characters name required string Name of product category required string Merchant category for item - e.g. Electronics currency required string Currency used for the transaction in ISO4217 format - IDR, PHP price required number Price per unit in basket currency quantity required number Number of units of this item in the basket type required string Type of product - PRODUCT or SERVICE url optional string URL to e-commerce page of the item description optional string Description of product sub_category optional string Merchant sub-category for item - e.g. Mobile Phone metadata optional object User defined object with JSON properties and values passed in during charge creation. Object can be up to 50 keys, with key names up to 40 characters long and values up to 500 characters long. This will only be used by the user and not Xendit.
metadata optional	object	User defined object with JSON properties and values passed in during charge creation. Object can be up to 50 keys, with key names up to 40 characters long and values up to 500 characters long.

Error Codes

Example: Create eWallet Charge Request API Error Response

{
    "error_code": "UNSUPPORTED_CURRENCY",
    "message": "The payment currency request is not supported for this payment channel. Please refer to our API reference or docs to pick available currencies"
}

Error Code	Description
DUPLICATE_PAYMENT_REQUEST_ERROR 400	The charge with the same reference_id has already been created before
API_VALIDATION_ERROR 400	There is invalid input in one of the required request fields
UNSUPPORTED_CURRENCY 400	The payment currency request is not supported for this payment channel. Please refer to our API reference or docs to pick available currencies
INVALID_API_KEY 401	API key format is invalid
INVALID_MERCHANT_CREDENTIALS 401	Merchant credentials met with an error with the eWallet provider. Please contact Xendit customer support to resolve this issue
REQUEST_FORBIDDEN_ERROR 403	The API key is forbidden to perform this request
CHANNEL_NOT_ACTIVATED 403	Payment request failed because this specific payment channel has not been activated through Xendit. Please activate via Xendit dashboard or our customer service
CALLBACK_URL_NOT_FOUND 404	Payment request failed because there was no input of callback url in Xendit Dashboard or request headers. Please save your callback url in Xendit Dashboard
UNSUPPORTED_CONTENT_TYPE 403	The content type requested is not supported
SERVER_ERROR 500	An unexpected error occured, our team has been notified and will troubleshoot the issue
CHANNEL_UNAVAILABLE 503	The payment channel requested is currently experiencing unexpected issues. The eWallet provider will be notified to resolve this issue

Payment Status Callback

You need to provide an endpoint your system to receive all payment callback notification from our system. You will receive the callback when end-customer attempted payments for available eWallets. Please specify this endpoint in Xendit dashboard callback url page under eWallets paid

The payment callback notification will be sent as POST request to the URL you have set in the dashboard. Note: Please give this notification a response back with status 200 so we know that our notification is received and will not attempt to retry the notification.

Callback Payload

Example: Success Payment Callback Payload

{
  "event": "ewallet.capture",
  "business_id": "5abe2389ewpejrt238",
  "created": "2020-04-20T16:25:52Z",
  "data": {
    "id": "ewc_bb8c3po-c3po-r2d2-c3po-r2d2c3por2d2",
    "business_id": "5f218745736e619164dc8608",
    "reference_id": "test-reference-id",
    "status": "SUCCEEDED",
    "currency": "IDR",
    "charge_amount": 1000,
    "capture_amount": 1000,
    "checkout_method": "ONE_TIME_PAYMENT",
    "channel_code": "ID_SHOPEEPAY",
    "channel_properties": {
      "success_redirect_url": "https://dashboard.xendit.co/register/1"
    },
    "actions": {
      "desktop_web_checkout_url": null,
      "mobile_web_checkout_url": null,
      "mobile_deeplink_checkout_url": "https://deeplinkcheckout.this/",
      "qr_checkout_string": "ID123XenditQRTest321DI"
    },
    "is_redirect_required": true,
    "callback_url": "https://calling-back.com/xendit/shopeepay",
    "created": "2017-07-21T17:32:28Z",
    "updated": "2017-07-21T17:32:28Z",
    "voided_at": null,
    "capture_now": true,
    "customer_id": null,
    "payment_method_id": null,
    "failure_code": null,
    "basket": null,
    "metadata": {
      "branch_code": "tree_branch"
    }
  }
}

Header Parameter	Type	Description
x-callback-token	string	Your Xendit unique callback token to verify the origin of the callback

Body Parameter	Type	Description
event required	string	Identifies the event triggering a notification to merchant. ewallet.capture occurs when eWallet issuer confirms the payment status of a transaction
business_id required	string	Business ID of the merchant
created required	string	ISO 8601 Timestamp for callback notification creation. Timezone UTC+0.
data optional	object	eWallets charge object will be nested in this parameter. See here for full definitions Data fields Key Value id required string Unique identifier for charge request transaction. It will always have the prefix of 'ewc_', followed by a UUIDv4 business_id required string Business ID of the merchant reference_id required string Reference ID provided by merchant Note: It has to be unique per payment request. status required Status of charge request - SUCCEEDED, PENDING, FAILED, VOIDED currency required string Currency used for the transaction in ISO4217 format - IDR, PHP charge_amount required number Requested charge amount from merchant capture_amount optional number Requested capture amount from merchant. In requests where checkout_method = ONE_TIME_PAYMENT, capture_amount will always be the same as charge_amount checkout_method required string Checkout method determines the payment flow used to process the transaction ONE_TIME_PAYMENT is used for single guest checkouts channel_code required string Channel Code specifies which eWallet will be used to process the transaction - ID_OVO, ID_DANA, ID_LINKAJA, ID_SHOPEEPAY, ID_SAKUKU, PH_PAYMAYA, PH_GCASH, PH_GRABPAY channel_properties optional object Channel specific information required for the transaction to be initiated OVO required fields Key Value mobile_number required string Mobile number of customer in E.164 format (e.g. +628123123123) DANA, LINKAJA, SHOPEEPAY required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful GCASH, GRABPAY required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful failure_redirect_url required string URL where the end-customer is redirected if the authorization has failed PAYMAYA required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful failure_redirect_url required string URL where the end-customer is redirected if the authorization has failed cancel_redirect_url required string URL where the end-customer is redirected if the authorization has been cancelled. End-customer can retry payment on the same link within 15 minutes. actions optional string Redirection actions to be taken when is_redirect_required returned in response is true. Merchants should choose one of the available options based on the ideal experience for their payment flows is_redirect_required required boolean Flag which indicates whether redirection is required for end user to complete payment When True, merchants should redirect the end user to the url given in the “actions” field. When False, there is no need for redirection for payment process to continue callback_url required string Callback URL which payment notifications will be sent created required string ISO 8601 Timestamp for charge object creation. Timezone UTC+0 updated required string ISO 8601 Timestamp for latest charge object update. Timezone UTC+0 voided_at optional string ISO 8601 Timestamp when transaction was voided. Timezone UTC+0 capture_now required string Default: true. Field not in use currently customer_id optional string ID of the customer object created with Xendit. ID to will be linked to the transaction payment_method_id optional string Xendit’s identifier for end user payment tokens binded with merchant. Only used for channels which support tokenized payments failure_code optional string Reason for failure of payment by end user or eWallet issuer. The failure_code is notified to the merchant in the payment callback or GET payment status after transaction is attempted by end user basket optional array Array of objects describing the item(s) purchased Object parameters details Key Value reference_id required string Merchant's identifer for specific product <= 255 characters name required string Name of product category required string Merchant category for item - e.g. Electronics currency required string Currency used for the transaction in ISO4217 format - IDR, PHP price required number Price per unit in basket currency quantity required number Number of units of this item in the basket type required string Type of product - PRODUCT or SERVICE url optional string URL to e-commerce page of the item description optional string Description of product sub_category optional string Merchant sub-category for item - e.g. Mobile Phone metadata optional object User defined object with JSON properties and values passed in during charge creation. Object can be up to 50 keys, with key names up to 40 characters long and values up to 500 characters long. metadata optional object User defined object with JSON properties and values passed in during charge creation. Object can be up to 50 keys, with key names up to 40 characters long and values up to 500 characters long.

Failure Codes

Example: Failed Payment Callback Payload

{
  "event": "ewallet.capture",
  "business_id": "5abe2389ewpejrt238",
  "created": "2020-04-20T16:25:52Z",
  "data": {
    "id": "ewc_bb8c3po-c3po-r2d2-c3po-r2d2c3por2d2",
    "business_id": "5f218745736e619164dc8608",
    "reference_id": "test-reference-id",
    "status": "FAILED",
    "currency": "IDR",
    "charge_amount": 1000,
    "capture_amount": 1000,
    "checkout_method": "ONE_TIME_PAYMENT",
    "channel_code": "ID_SHOPEEPAY",
    "channel_properties": {
      "success_redirect_url": "https://dashboard.xendit.co/register/1"
    },
    "actions": {
      "desktop_web_checkout_url": null,
      "mobile_web_checkout_url": null,
      "mobile_deeplink_checkout_url": "https://deeplinkcheckout.this/",
      "qr_checkout_string": "ID123XenditQRTest321DI"
    },
    "is_redirect_required": true,
    "callback_url": "https://calling-back.com/xendit/shopeepay",
    "created": "2017-07-21T17:32:28Z",
    "updated": "2017-07-21T17:32:28Z",
    "voided_at": null,
    "capture_now": true,
    "customer_id": null,
    "payment_method_id": null,
    "failure_code": "USER_DID_NOT_AUTHORIZE_THE_PAYMENT",
    "basket": null,
    "metadata": {
      "branch_code": "tree_branch"
    }
  }
}

Failure Code	Failure Message
ACCOUNT_ACCESS_BLOCKED	End user’s account cannot be accessed as it has been restricted by the eWallet provider. End user should contact the provider for resolution.
INVALID_MERCHANT_CREDENTIALS	Merchant credentials met with an error with the eWallet provider. Please contact Xendit customer support to resolve this issue.
USER_DECLINED_PAYMENT	End user declined the payment request.
INVALID_ACCOUNT_DETAILS	End user provided incorrect information for this transaction.
MAXIMUM_LIMIT_REACHED	Accumulated value of payment requested for this end user went above the maximum transaction limit set by end user or eWallets. Payment can be retried when the transaction limit is reset.
USER_UNREACHABLE	End user’s device cannot be reached at this moment. Common reasons include unstable network, device error or jailbroken device.
CHANNEL_UNAVAILABLE	The payment channel requested is currently experiencing unexpected issues. The eWallet provider will be notified to resolve this issue.
INSUFFICIENT_BALANCE	End user has insufficient balance to complete the transaction.
ACCOUNT_NOT_ACTIVATED	End user’s account cannot be accessed as it has not been activated. End user should set up their account and ensure there is sufficient balance before retrying.
INVALID_TOKEN	Binding for this end user has expired. Please reinitiate binding before retrying.

Get eWallet Charge Status

Endpoint: Get eWallet Charge Status

GET https://api.xendit.co/ewallets/charges/{id}

This endpoint is used to get payment status of a charge request. You need to specify the id in the response body when hitting create eWallet charge request

Version

You are currently viewing the newest version of our eWallets API. Click here to view older versions.

Request Parameters

Example: Check eWallet Charge Status Request

curl 'https://api.xendit.co/ewallets/charges/ewc_bb8c3po-c3po-r2d2-c3po-r2d2c3por2d2' \
   -X GET \
   -u xnd_development_LoReMIPman+ZPGT+ZZ9b3ooF4w3Dn+R1k+LoReMIPman:

try {
    Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";

    EWalletCharge charge = EWalletCharge.getEWalletChargeStatus("ewc_bb8c3po-c3po-r2d2-c3po-r2d2c3por2d2");
} catch (XenditException e) {
    e.printStackTrace();
}

<?php

use Xendit\Xendit;
require 'vendor/autoload.php';

Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

$charge_id = 'ewc_bb8c3po-c3po-r2d2-c3po-r2d2c3por2d2';
$getEWalletChargeStatus = \Xendit\EWallets::getEWalletChargeStatus($charge_id);
var_dump($getEWalletChargeStatus);

?>

from xendit import EWallet

ewallet_charge = EWallet.get_ewallet_charge_status(
    charge_id="ewc_bb8c3po-c3po-r2d2-c3po-r2d2c3por2d2",
)

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

data := ewallet.GetEWalletChargeStatusParams{
    ChargeID: "ewc_bb8c3po-c3po-r2d2-c3po-r2d2c3por2d2",
}

charge, chargeErr := ewallet.GetEWalletChargeStatus(&data)
if chargeErr != nil {
    log.Fatal(chargeErr)
}

fmt.Printf("retrieved e-wallet charge: %+v\n", charge)

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { EWallet } = x;
const ewalletSpecificOptions = {};
const ew = new EWallet(ewalletSpecificOptions);

const resp = await ew.getEWalletChargeStatus({
  chargeID: 'ewc_bb8c3po-c3po-r2d2-c3po-r2d2c3por2d2',
});
console.log(resp);

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Query Parameter	Type	Description
charge_id required	string	You need to specify the id in the response body when hitting create eWallet charge request

Example: Check eWallet Charge Status Success Responses

Check eWallet Charge Status Success Responses

{
  "id": "ewc_bb8c3po-c3po-r2d2-c3po-r2d2c3por2d2",
  "business_id": "5f218745736e619164dc8608",
  "reference_id": "test-reference-id",
  "status": "PENDING",
  "currency": "IDR",
  "charge_amount": 1000,
  "capture_amount": 1000,
  "checkout_method": "ONE_TIME_PAYMENT",
  "channel_code": "ID_SHOPEEPAY",
  "channel_properties": {
    "success_redirect_url": "https://dashboard.xendit.co/register/1"
  },
  "actions": {
    "desktop_web_checkout_url": null,
    "mobile_web_checkout_url": null,
    "mobile_deeplink_checkout_url": "https://deeplinkcheckout.this/",
    "qr_checkout_string": "ID123XenditQRTest321DI"
  },
  "is_redirect_required": true,
  "callback_url": "https://calling-back.com/xendit/shopeepay",
  "created": "2017-07-21T17:32:28Z",
  "updated": "2017-07-21T17:32:28Z",
  "voided_at": null,
  "capture_now": true,
  "customer_id": null,
  "payment_method_id": null,
  "failure_code": null,
  "basket": null,
  "metadata": {
    "branch_code": "tree_branch"
  }
}

Body Parameter	Type	Description
id required	string	Unique identifier for charge request transaction. It will always have the prefix of 'ewc_', followed by a UUIDv4
business_id required	string	Business ID of the merchant
reference_id required	string	Reference ID provided by merchant Note: It has to be unique per payment request.
status required	string	Status of charge request Key Value SUCCEEDED Payment transaction for specified charge_id is successfully PENDING Payment transaction for specified charge_id is awaiting payment attempt by end user FAILED Payment transaction for specified charge_id has failed, check failure codes for reasons VOIDED Payment transaction for specified charge_id has been voided
currency required	string	Currency used for the transaction in ISO4217 format - IDR, PHP
charge_amount required	number	Requested charge amount from merchant
capture_amount optional	number	Requested capture amount from merchant. In requests where checkout_method = ONE_TIME_PAYMENT, capture_amount will always be the same as charge_amount
checkout_method required	string	Checkout method determines the payment flow used to process the transaction ONE_TIME_PAYMENT is used for single guest checkouts TOKENIZED_PAYMENT can be used for recurring payment
channel_code required	string	Channel Code specifies which eWallet will be used to process the transaction - ID_OVO, ID_DANA, ID_LINKAJA, ID_SHOPEEPAY, ID_SAKUKU, PH_PAYMAYA,PH_GCASH, PH_GRABPAY
channel_properties optional	object	Channel specific information required for the transaction to be initiated OVO required fields Key Value mobile_number required string Mobile number of customer in E.164 format (e.g. +628123123123) DANA, LINKAJA, SHOPEEPAY required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful GCASH, GRABPAY required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful failure_redirect_url required string URL where the end-customer is redirected if the authorization has failed PAYMAYA required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful failure_redirect_url required string URL where the end-customer is redirected if the authorization has failed cancel_redirect_url required string URL where the end-customer is redirected if the authorization has been cancelled. End-customer can retry payment on the same link within 15 minutes.
actions optional	string	Redirection actions to be taken when is_redirect_required returned in response is true. Merchants should choose one of the available options based on the ideal experience for their payment flows Key Value desktop_web_checkout_url eWallet issuer generated URL for web checkout on devices with a stand-alone screen mobile_web_checkout_url eWallet issuer generated URL for web checkout on mobile devices mobile_deeplink_checkout_url eWallet issuer generated URL for deeplink checkout on mobile devices (jumps directly into eWallet app for payment confirmation) qr_checkout_string eWallet issuer generated qr string for checkout usually on devices with a stand-alone screen
is_redirect_required required	boolean	Flag which indicates whether redirection is required for end user to complete payment When True, merchants should redirect the end user to the url given in the “actions” field. When False, there is no need for redirection for payment process to continue
callback_url required	string	Callback URL which payment notifications will be sent
created required	string	ISO 8601 Timestamp for charge object creation. Timezone UTC+0
updated required	string	ISO 8601 Timestamp for latest charge object update. Timezone UTC+0
voided_at optional	string	ISO 8601 Timestamp when transaction was voided. Timezone UTC+0
capture_now required	string	Default: true. Field not in use currently
customer_id optional	string	ID of the customer object created with Xendit. ID to will be linked to the transaction
payment_method_id optional	string	ID of the payment method. Only used for channels which support tokenized payments
failure_code optional	string	Reason for failure of payment by end user or eWallet issuer. The failure_code is notified to the merchant in the payment callback or GET payment status after transaction is attempted by end user
basket optional	array	Array of objects describing the item(s) purchased Object parameters details Key Value reference_id required string Merchant's identifer for specific product <= 255 characters name required string Name of product category required string Merchant category for item - e.g. Electronics currency required string Currency used for the transaction in ISO4217 format - IDR, PHP price required number Price per unit in basket currency quantity required number Number of units of this item in the basket type required string Type of product - PRODUCT or SERVICE url optional string URL to e-commerce page of the item description optional string Description of product sub_category optional string Merchant sub-category for item - e.g. Mobile Phone metadata optional object User defined object with JSON properties and values passed in during charge creation. Object can be up to 50 keys, with key names up to 40 characters long and values up to 500 characters long.
metadata optional	object	User defined object with JSON properties and values passed in during charge creation. Object can be up to 50 keys, with key names up to 40 characters long and values up to 500 characters long.

Error Codes

Example: Create eWallet Charge Request API Error Response

{
    "error_code": "INVALID_API_KEY",
    "message": "API key format is invalid"
}

Error Code	Description
API_VALIDATION_ERROR 400	There is invalid input in one of the required request fields
INVALID_API_KEY 401	API key format is invalid
INVALID_MERCHANT_CREDENTIALS 401	Merchant credentials met with an error with the eWallet provider. Please contact Xendit customer support to resolve this issue
DATA_NOT_FOUND 404	Charge ID specified was not found. Please check your query again.
SERVER_ERROR 500	An unexpected error occured, our team has been notified and will troubleshoot the issue

Tokenized - Create Customer Object

There are 3 steps required to perform account linking using our tokenization flow - starting with a customer object creation and ending with a payment method object (to be used during the payment step).

Step 1 - Creation of customer object via /customers endpoint is the required first step before initiating account linking for tokenized eWallets. The customer_id created will be used in the next API call to identify the end user who is performing account linking. Depending on each payment channel's requirements, there might be required fields for customer objects (e.g. OVO requires name and phone number). In such cases, it is recommended for merchants to build a UI for end users to key in these information themselves. Please refer to the requirements each payment channel below and Customer section to create customer object.

OVO tokenization - required fields in Customer Object

Example Customer Object - OVO tokenization

curl https://api.xendit.co/customers -X POST \
  --user xnd_development_LoReMIPman+ZPGT+ZZ9b3ooF4w3Dn+R1k+LoReMIPman: \
  --header 'content-type: application/json' \
  --data '{
    "reference_id": "demo_1475801962607",
    "given_names": "John",
    "mobile_number": "+6287774441111",
    "email": "customer@website.com"
    }' \

Request Body Parameter	Type	Description
reference_id required	string	Merchant-provided identifier for the customer (max 255 characters)
mobile_number required	string	Key identifier used by OVO for account linking. Mobile number of the customer in E.164 international standard must match with OVO's database. Format: +(country code)(subscriber number)
given_names required	string	Primary of first name/s of the customer (max 255 characters)

Tokenized - Account Linking

Step 2 - Account linking in tokenized eWallet refers to end user authorizing merchants to perform transactions via a token (linking) for the end user's eWallet (account). This endpoint starts the authorization process and a linked account token will be created as a result. End users need to be redirected to the eWallet provider's hosted page to authorize the account linking. Once the account linking is completed by the end user, an account linking notification will be sent to the callback url specified in the request. The linked account id (prefix la-) in the notification should be stored as it will be used to create a payment method object in the next step.

Endpoint: Initialize Linked Account Tokenization

POST https://api.xendit.co/linked_account_tokens/auth

Initialize Linked Account Tokenization - Request

Example Initialize Linked Account Tokenization Request

curl https://api.xendit.co/linked_account_tokens/auth -X POST \
   --user xnd_development_LoReMIPman+ZPGT+ZZ9b3ooF4w3Dn+R1k+LoReMIPman: \
   --header 'Content-Type: application/json' \
   --data-raw '{
    "customer_id": "ba830b92-4177-476e-b097-2ad5ae4d3e55",
    "channel_code": "PH_GRABPAY",
    "properties": {
        "success_redirect_url": "https://www.my-shop.co/auth/success",
        "failure_redirect_url": "https://www.my-shop.co/auth/failed",
        "cancel_redirect_url": "https://www.my-shop.co/auth/cancel"
    }
}'\

Request Body Parameter	Type	Description
customer_id required	string	ID of the customer object to which the account token will be linked to. Call Tokenized - Create Customer to generate Customer ID
channel_code required	string	Identifier for the specific channel of the account to be linked. Code must be in uppercase. Supported eWallets and their respective channel codes: OVO (ID) - ID_OVO SHOPEEPAY (ID) - ID_SHOPEEPAY GRABPAY (PH) - PH_GRABPAY PAYMAYA (PH) - PH_PAYMAYA
properties required	object	JSON that contains information needed to proceed with authorization. Values inside properties change based on eWallet provider: OVO, SHOPEEPAY, GRABPAY required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful failure_redirect_url required string URL where the end-customer is redirected if the authorization failed callback_url required string URL where the successful linking webhook will be sent PAYMAYA required fields Key Value success_redirect_url required string URL where the end-customer is redirected if the authorization is successful failure_redirect_url required string URL where the end-customer is redirected if the authorization failed cancel_redirect_url required string URL where the end-customer is redirected if the authorization has been cancelled. End-customer can retry payment on the same link within 15 minutes. callback_url required string URL where the successful linking webhook will be sent
metadata optional	object	Object of additional information the user may use. Users define the JSON properties and values. You can specify up to 50 keys, with key names up to 40 characters long and values up to 500 characters long.

Initialize Linked Account Tokenization - Response

Example Initialize Linked Account Tokenization Success Response

{
    "id": "lat-aa620619-124f-41db-995b-66a52abe036a",
    "customer_id": "ba830b92-4177-476e-b097-2ad5ae4d3e55",
    "channel_code": "PH_GRABPAY",
    "authorizer_url": "https://link-web.xendit.co/oauth/lat-4ec01c8d-0326-4a35-bc11-b64c85f7408e/confirm",
    "status": "PENDING",
    "metadata": null
}

Parameter	Type	Description
id	string	Unique ID generated by Xendit for the particular linked account token authorization
customer_id	string	Customer object ID
channel_code	string	Code identifier for the channel
authorizer_url	string	URL generated from eWallet provider for end user to authorize the account linking. End user should be redirected to this URL for tokenization to proceed.
status	string	Status of the authorization. A successful API request will respond with a PENDING status. Upon successful account linking, the status will be updated to COMPLETED. If account linking fails, the status will be updated to FAILED.
metadata	object	User defined object with JSON properties and values passed in during account linking. Object can be up to 50 keys, with key names up to 40 characters long and values up to 500 characters long.

Initialize Linked Account Tokenization - Errors

See other common errors here.

Error Code	Description
CHANNEL_CODE_NOT_SUPPORTED_ERROR 400	Provided channel_code is not supported or has not yet activated for this account.
CUSTOMER_NOT_FOUND_ERROR 404	Provided customer_id in the request does not exist or access is unauthorized
CHANNEL_UNAVAILABLE 503	The target channel is currently unavailable. This is possibly due to partner channel downtime or error.
INVALID_ACCOUNT_DETAILS 400	Provided values in properties in the request does not match any records with the eWallet provider
ACCOUNT_ACCESS_BLOCKED 400	The eWallet provider has rejected the linking. This maybe the eWallet account is inaccessible or not activated for this service.

Tokenized - Account Linking Status Callback

The linked account id (prefix la-) in the notification acccounts parameter should be stored as it will be used to create a payment method object in the next step.

Callback Payload

Example: Linked Account Tokenization Callback Payload

{
  "event": "linked_account_token.successful",
  "timestamp": "2021-05-21T12:28:49.019Z",
  "id": "lat-d6876bf1-9722-47e3-8757-f74c7d7772b5",
  "channel_code": "PH_GRABPAY",
  "type": "EWALLET",
  "accounts": [
    {
      "id": "la-eddf88b1-312a-4f78-aca1-96e5ff4161b4",
      "account_details": null,
      "account_type": "EWALLET",
      "balance": 1000000,
      "currency": "PHP",
      "description": null,
      "name": null,
      "point_balance": null
    }
  ]
}

Parameter	Type	Description
event	string	Identifier of the event - "linked_account_token.successful"
timestamp	string	ISO 8601 timestamp of the event. Timezone is UTC+0
id	string	Unique identifier for the Linked Account Tokenization. This has a prefix of lat-.
channel_code	string	Code identifier for the channel - ID_OVO, ID_SHOPEEPAY, PH_GRABPAY, PH_PAYMAYA
type	enum	EWALLET - type of payment channel
accounts	array	Key Value id string Unique identifier for eWallet account specific to this object. This has a prefix of la-. account_details stringIdentifier from eWallet provider e.g. phone number. The value is null if unavailable account_type stringType of account. Expected values: EWALLET balance numberThe main balance amount on eWallet account provided from eWallet provider. The value is null if unavailable currency stringCurrency of the account in ISO 4217 - IDR or PHP description stringDescription of the account from eWallet provider. The value is null if unavailable name stringName of the eWallet account holder. The value is null if unavailable point_balance numberThe point balance amount on eWallet account. Applicable only on some eWallet provider that has point system. The value is null if unavailable

Tokenized - Create Payment Method

Step 3 - A payment method object is used to represent the linked account (from the account linking notification - prefix la-) to make payment transactions. To create a payment method object, the customer id and linked account id has to be included in the request to this endpoint.

With the payment_method_id (prefix pm-) returned in the response of this endpoint, you can specify payment_method_id in the eWallets charge endpoint to initiate a tokenized payment.

Endpoint: Create Payment Method

POST https://api.xendit.co/payment_methods

Create Payment Method - Request

Example Create Payment Method Request

curl https://api.xendit.co/payment_methods -X POST \
   --user xnd_development_LoReMIPman+ZPGT+ZZ9b3ooF4w3Dn+R1k+LoReMIPman: \
   --header 'Content-Type: application/json' \
   --data-raw '{
    "customer_id": "ba830b92-4177-476e-b097-2ad5ae4d3e55",
    "type": "EWALLET",
    "properties": {
        "id": "la-aa620619-124f-41db-995b-66a52abe036a"
    }
}'\

Request Body Parameter	Type	Description
customer_id required	string	ID of the customer object to which the account token will be linked to
type required	string	Type of payment method Supported values: EWALLET
properties required	object	JSON that contains information that identifies the payment method: Key Value id required ID of Linked Account (prefix la-)
metadata optional	object	Object of additional information the user may use. Users define the JSON properties and values. You can specify up to 50 keys, with key names up to 40 characters long and values up to 500 characters long.

Create Payment Method - Response

Example Create Payment Method Success Response

{
    "id": "pm-fea3b000-f9dc-41c5-9bfc-fd37c2b0d84d",
    "type": "EWALLET",
    "properties": {
        "id": "la-f8b41ad0-180a-44d5-bad5-3291cd7262ac"
    },
    "customer_id": "f0ac5e6f-436b-4228-ac56-7324a2aec6f4",
    "status": "ACTIVE",
    "created": "2021-04-01T10:12:03.564Z",
    "updated": "2021-04-01T10:12:03.564Z",
    "metadata": {},
}

Parameter	Type	Description
id	string	Unique identifier for the payment method. This has a prefix of pm-.
type	string	Type of account that has been linked. Expected values: EWALLET
properties	object	Object containing information regarding the account. Key Value id stringID of linked account.
customer_id	string	ID of the customer object in which this payment method is linked to
status	string	Status of the payment method. Will be equal to ACTIVE upon creation.
created	string	Timestamp in ISO 8601 when the request was made Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
updated	string	Timestamp in ISO 8601 when transaction information was updated Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
metadata	object	User defined object with JSON properties and values passed in during payment method creation. Object can be up to 50 keys, with key names up to 40 characters long and values up to 500 characters long.

Create Payment Method - Errors

See other common errors here.

Error Code	Description
LIINKED_ACCOUNT_NOT_FOUND_ERROR 400	Provided properties and type combination in the request does not exist or access is unauthorized
CUSTOMER_NOT_FOUND_ERROR 400	Provided customer_id in the request does not exist or access is unauthorized
DUPLICATE_ERROR 409	There is already an existing ACTIVE payment method that relates to the same account

Tokenized - Get Account Balance

This endpoint returns the list of eWallets accounts and corresponding balances accessible by the linked account token (prefix lat-).

Endpoint: Get Account Balance

GET https://api.xendit.co/linked_account_tokens/{linked_account_token_id}/accounts

Get Account Balance - Request

Example Get Account Balance by Linked Account Token Request

curl https://api.xendit.co/linked_account_tokens/lat-aa620619-124f-41db-995b-66a52abe036a/accounts -X GET \
   -u xnd_development_LoReMIPman+ZPGT+ZZ9b3ooF4w3Dn+R1k+LoReMIPman:

Path Parameter	Type	Description
linked_account_token_id required	string	Linked account token id received from Initialize Account Authorization. This has the lat- prefix.

Get Account Balance - Response

This endpoint returns an array of objects with the following properties:

Example Get Account Balance by Linked Account Token Success Response

[
    {
        "id": "la-f8b41ad0-180a-44d5-bad5-3291cd7262ac",
        "channel_code": "PH_GRABPAY",
        "type": "EWALLET",
        "properties": {
            "account_details": null,
            "account_type": "EWALLET",
            "balance": 1000000,
            "currency": "PHP",
            "description": null,
            "name": null,
            "point_balance": null
        }
    }
]

Parameter	Type	Description
id	string	Unique identifier for the ewallet account. This has a prefix of la-.
channel_code	string	Code identifier for the channel - ID_OVO, ID_SHOPEEPAY, PH_GRABPAY, PH_PAYMAYA
type	string	Type of account that has been linked. Expected values: EWALLET
properties	object	Object containing information regarding the account. Key Value account_details stringIdentifier from eWallet provider e.g. phone number. The value is null if unavailable account_type stringType of account. Expected values: EWALLET balance numberThe main balance amount on eWallet account provided from eWallet provider. The value is null if unavailable currency string Currency of the account in ISO 4217 - IDR or PHP description stringDescription of the account from eWallet provider. The value is null if unavailable name stringName of the eWallet account holder. The value is null if unavailable point_balance numberThe point balance amount on eWallet account. Applicable only on some eWallet provider that has point system. The value is null if unavailable

Get Account Balance by Linked Account Token - Errors

See other common errors here.

Error Code	Description
DATA_NOT_FOUND_ERROR 404	Provided linked_account_token_id is not supported or has not yet activated for this account.

PayLater

With PayLater, you can allow your customers to buy now and pay later in installments. Customers with an active credit line with one of our partner lenders can shop on your store via flexible installment loans.

With one integration, get access to all our available PayLater channels and upcoming PayLater integrations as well.

For full details on each API as well as a comprehensive guide on integration, please refer to our documentation.

Initiate PayLater Plans

Provide your end-customer information on the available PayLater/installment plans.

Endpoint: Initiate PayLater Plans

POST https://api.xendit.co/paylater/plans

Version

You are currently viewing the newest version of our PayLater / Cardless Credit API. In this API version, integrate once to get access to all available and future PayLater providers in Xendit!. Click here to view older versions.

Version	Changelog
2021-06-30 Latest	New simple and consistent PayLater API to support top PayLater providers in Indonesia and the Philippines. No API Versioning is required. You can access the new API easily by calling POST /paylater/plans
2019-02-04	Cardless credit API with support for Kredivo /cardless-credit

Request Parameters

Example: Initiate PayLater Plans - Request

curl https://api.xendit.co/paylater/plans -X POST \
   -u xnd_development_LoReMIPman+ZPGT+ZZ9b3ooF4w3Dn+R1k+LoReMIPman: \
   -H 'Content-Type: application/json' \
   --data-raw '{
    "customer_id": "49d056bd-21e5-4997-85f2-2127544c2196",
    "channel_code": "PH_BILLEASE",
    "currency": "PHP",
    "amount": 3073.68,
    "order_items": [{
        "type": "PRODUCT",
        "reference_id": "SKU_123-456-789",
        "name": "Dyson Vacuum",
        "net_unit_amount": 1234.56,
        "quantity": 3,
        "url": "https://www.zngmyhome.com/dyson_vacuum",
        "category": "Electronics",
        "subcategory": "Appliances"
    }]
}'

<?php
  $url = "https://api.xendit.co/paylater/plans";
  $apiKey = "xnd_development_LoReMIPman+ZPGT+ZZ9b3ooF4w3Dn+R1k+LoReMIPman:";
  $data = [
    "customer_id" => "49d056bd-21e5-4997-85f2-2127544c2196",
    "channel_code" => "PH_BILLEASE",
    "currency" => "PHP",
    "amount" => 3073.68,
    "order_items" => [
        "type" => "PRODUCT",
        "reference_id" => "SKU_123-456-789",
        "name": "Dyson Vacuum",
        "net_unit_amount" => 1234.56,
        "quantity" => 3,
        "url" => "https://www.zngmyhome.com/dyson_vacuum",
        "category" => "Electronics",
        "subcategory" => "Appliances"
    ]
    ];

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_POST, true);
  curl_setopt($curl, CURLOPT_POSTFIELDS, $payload);
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_LoReMIPman+ZPGT+ZZ9b3ooF4w3Dn+R1k+LoReMIPman",
});

const { PayLater } = x;
const payLaterSpecificOptions = {};
const plp = new PayLater(payLaterSpecificOptions);

const resp = await plp.initiatePayLaterPlans({
  customer_id: '9d056bd-21e5-4997-85f2-2127544c2196',
  channel_code: 'PH_BILLEASE',
  currency: 'PHP',
  amount: 3073.68,
  order_items: {
    type: 'PRODUCT',
    reference_id: 'SKU_123-456-789',
    name: 'Dyson Vacuum',
    net_unit_amount: 1234.56,
    quantity: 3,
    url: 'https://www.zngmyhome.com/dyson_vacuum',
    category: 'Electronics',
    subcategory: 'Appliances'
  }
});
console.log(resp);

from xendit import PayLater

paylater_plans = PayLater.initiate_paylater_plans(
    customer_id="9d056bd-21e5-4997-85f2-2127544c2196",
    channel_code="PH_BILLEASE",
    currency="PHP",
    amount=3073.68,
    order_items={
        type="PRODUCT",
        reference_id="SKU_123-456-789",
        name="Dyson Vacuum",
        net_unit_amount=1234.56,
        quantity=3,
        url="https://www.zngmyhome.com/dyson_vacuum",
        category="Electronics",
        subcategory="Appliances"
    }
)

Header	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Body Parameter	Type	Description
customer_id required	string	Unique identifier for customer from the Create Customer API POST /customers Required parameters to be set for the customer object Key Value given_names required string Primary or first name/s of customer surname required string Last or family name of customer email required string E-mail address of customer mobile_number required string Mobile number of customer in E.164 format street_line1 required string Customer’s address line city required string Customer’s city postal_code required string ZIP/Postal Code of customer country_code required string Customer’s country code
channel_code required	string	Channel code for PayLater provider Supported channels: ID_KREDIVO, PH_BILLEASE
currency required	string	ISO 4217 currency code of PayLater transaction Supported currencies: IDR, PHP
amount required	number	Aggregated transaction amount equivalent to the sum of net_unit_amount multiplied by quantity in the order_items array Transaction limits per channel Channel Code Min Max ID_KREDIVO (IDR) 1 30,000,000 PH_BILLEASE (PHP) 50 150,000
order_items required	array	Array of objects describing the item/s purchased using PayLater Object parameters Key Value type required string Type of item PRODUCT, SERVICE, FEE, DISCOUNT reference_id required string Merchant’s identifier for specific item (ie. SKU, promotion code, etc) Format Special and alphanumeric Max length 255 characters name required string Item name Format Special and alphanumeric Max length 255 characters net_unit_amount required number Net amount to be charged per unit Must be a negative number when type = DISCOUNT quantity required number Number of units of this item in the basket Min 1 description optional string Item description Format Special and alphanumeric Max length 255 characters metadata optional object Additional object that may be used for additional item attributes Additional parameters when type = PRODUCT or SERVICE. Otherwise not required for FEE or DISCOUNT line items. Key Value url required string URL of the item Must be HTTPS or HTTP category required string Merchant category for item Format Special and alphanumeric Max length 255 characters subcategory optional string Merchant subcategory for item Format Special and alphanumeric Max length 255 characters

Response Parameters

Example: Initiate PayLater Plans - Success Response

{
    "id" : "plp_3d88d952-9505-4ed7-84d3-e8639e99e9c4",
    "customer_id" : "49d056bd-21e5-4997-85f2-2127544c2196",
    "channel_code" : "PH_BILLEASE",
    "currency" : "PHP",
    "amount" : 2184.56,
    "order_items": [{
        "type": "PRODUCT",
        "reference_id": "SKU_123-456-789",
        "name": "Dyson Vacuum",
        "net_unit_amount": 1234.56,
        "quantity": 1,
        "url": "https://www.zngmyhome.com/dyson_vacuum",
        "category": "Electronics",
        "subcategory": "Appliances",
        "description": "A very powerful vacuum",
        "metadata": null
    },
    {
        "type" : "SERVICE",
        "reference_id" : "SKU_123-456-790",
        "name" : "Home Cleaning Service",
        "net_unit_amount" : 1000,
        "quantity" : 1,
        "url" : "https://www.zngmyhome.com/home_cleaning",
        "category" : "Services",
        "subcategory" : null,
        "description" : "1 hour deep cleaning up to 2 rooms",
        "metadata" : null
    },
    {
        "type" : "FEE",
        "reference_id" : "Shipping",
        "name" : "Standard Rate",
        "net_unit_amount" : 50,
        "quantity" : 1
    },
    {
        "type" : "DISCOUNT",
        "reference_id" : "100OFF",
        "name" : "100 Payday Voucher",
        "net_unit_amount" : -100,
        "quantity" : 1
    }],
    "options": [{
        "downpayment_amount" : 400,
        "installment_amount" : 600,
        "interest_rate" : 0,
        "total_amount" : 1000,
        "interval" : "MONTH",
        "interval_count" : 1,
        "total_recurrence" : 1,
        "description" : "Buy Now, Pay Later"
    },
    {
        "downpayment_amount" : 400,
        "installment_amount" : 100,
        "interest_rate" : 0.025,
        "total_amount" : 1015,
        "interval" : "MONTH",
        "interval_count" : 1,
        "total_recurrence" : 6,
        "description" : "6 month installment plan"
    }],
    "created": "2020-11-11T16:23:52Z"
}

Body Parameter	Type	Description
id	string	Unique identifier for PayLater Plan Object It will always have the prefix of plp_, followed by a UUIDv4
customer_id	string	Unique identifier for customer
channel_code	string	Channel code for PayLater provider Supported channels: ID_KREDIVO, PH_BILLEASE
currency	string	ISO 4217 currency code of PayLater transaction Supported currency: IDR, PHP
amount	number	Aggregated transaction amount equivalent to the sum of net_unit_amount multiplied by quantity in the order_items array
order_items	array	Array of objects describing the item/s purchased using PayLater
options	array	Available payment plans users can view to purchase your goods/services. Provided by PayLater providers directly PayLater options details Key Value downpayment_amount number Amount required to be paid upfront installment_amount number Amount to be paid via at every payment interval specified interest_rate number Interest rates charged Example: 0.2 for twenty percent total_amount number Grand total of installment your customers will pay. This is a sum of downpayment amount, installment amount, and other fees by PayLater provider interval string The frequency with which a recurring payment invoice should be billed DAY, WEEK, MONTH interval_count number The number of intervals (specified in the interval property) between installments Example: interval=MONTH and interval_count=3 bills every 3 months total_recurrence number The number of times installments will be charged to the end user with the specified intervals description string Name or descriptor of installment option as given by PayLater provider
created	string	Timestamp in ISO 8601 for creation of plan object Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0

Error Codes

Example: Initiate PayLater Charge Request API - Error Response

{
    "error_code": "INVALID_CUSTOMER_ID",
    "message": "Missing or invalid parameter(s) in customer_id: given_names, postcode"
}

Error Code	Description
API_VALIDATION_ERROR 400	There is invalid input in one of the required request fields
API_VALIDATION_ERROR 400	Amount Does Not Tally with Order Items request.body.amount must be equal to the sum of net_unit_amount * quantity in request.body.order_items
API_VALIDATION_ERROR 400	Invalid URL url must be a valid URL
API_VALIDATION_ERROR 400	Non-negative Discount net_unit_amount of DISCOUNT type must be a negative number
INVALID_CUSTOMER_ID 400	Missing or invalid parameter(s) in customer_id
UNSUPPORTED_CURRENCY 400	The payment currency request is not supported by PayLater partner. Please refer to our API reference or docs for available currencies
INVALID_API_KEY 401	API key is not authorized for this API service
INVALID_MERCHANT_CREDENTIALS 401	Merchant credentials met with an error with the PayLater partner. Please contact Xendit customer support to resolve this issue.
REQUEST_FORBIDDEN_ERROR 403	The API key is forbidden to perform this request
CHANNEL_NOT_ACTIVATED 403	The API key is forbidden to perform this request
DATA_NOT_FOUND 404	Customer ID is invalid. Please check the ID again or create an ID using Customer API.
SERVER_ERROR 500	An unexpected error occured. Our team has been notified and will troubleshoot the issue
CHANNEL_UNAVAILABLE 503	The payment channel requested is currently experiencing unexpected issues. The PayLater partner will be notified to resolve this issue

Create PayLater Charges

Create PayLater transaction / generate checkout URL

Version

You are currently viewing the newest version of our PayLater / Cardless Credit API. Click here to view older versions.

Endpoint: Create PayLater Charges

POST https://api.xendit.co/paylater/charges

Request Parameters

Example: Create Payment Request

curl https://api.xendit.co/paylater/charges -X POST \
   -u xnd_development_LoReMIPman+ZPGT+ZZ9b3ooF4w3Dn+R1k+LoReMIPman: \
   -H 'Content-Type: application/json' \
   --data-raw '{
    "plan_id": "plp_3d88d952-9505-4ed7-84d3-e8639e99e9c4",
    "reference_id": "order_id_123",
    "checkout_method": "ONE_TIME_PAYMENT",
    "success_redirect_url": "https://merchant.com/order/confirm",
    "failure_redirect_url": "https://merchant.com/order/fail"
}'

<?php
  $url = "https://api.xendit.co/paylater/charges";
  $apiKey = "xnd_development_LoReMIPman+ZPGT+ZZ9b3ooF4w3Dn+R1k+LoReMIPman:";
  $data = [
    "plan_id" => "plp_3d88d952-9505-4ed7-84d3-e8639e99e9c4",
    "reference_id" => "order_id_123",
    "checkout_method" => "ONE_TIME_PAYMENT",
    "success_redirect_url" => "https://merchant.com/order/confirm",
    "failure_redirect_url" => "https://merchant.com/order/fail"
    ];

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_POST, true);
  curl_setopt($curl, CURLOPT_POSTFIELDS, $payload);
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_LoReMIPman+ZPGT+ZZ9b3ooF4w3Dn+R1k+LoReMIPman",
});

const { PayLater } = x;
const payLaterSpecificOptions = {};
const plc = new PayLater(payLaterSpecificOptions);

const resp = await plc.createPayLaterCharge({
  planID: 'plp_3d88d952-9505-4ed7-84d3-e8639e99e9c4',
  referenceID: 'order_id_123',
  checkoutMethod: 'ONE_TIME_PAYMENT',
  successRedirectURL: 'https://merchant.com/order/confirm',
  failureRedirectURL: 'https://merchant.com/order/fail'
});
console.log(resp);

from xendit import PayLater

paylater_charge = PayLater.create_paylater_charge(
    plan_id="plp_3d88d952-9505-4ed7-84d3-e8639e99e9c4",
    reference_id="order_id_123",
    checkout_method="ONE_TIME_PAYMENT",
    success_redirect_url="https://merchant.com/order/confirm",
    failure_redirect_url="https://merchant.com/order/fail"
)

Header	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Body Parameter	Type	Description
plan_id required	string	Installment Plan ID retrieved from Initiate PayLater Plans API
reference_id required	string	Reference ID provided by merchant for the transaction Format Special and alphanumeric Max length 255 characters
checkout_method required	string	Supported checkout method: ONE_TIME_PAYMENT
success_redirect_url required	string	URL where the customer is redirected after completing transaction Must be HTTPS or HTTP
failure_redirect_url optional	string	URL where the end-customer is redirected if the payment has failed Must be HTTPS or HTTP
payment_method_id optional	string	Payment method ID of end-customer source of funds Required when checkout_method = TOKENIZED_PAYMENT (currently not supported)
metadata optional	object	Object of additional information the user may use. User defines the JSON properties and values. You can specify up to 50 keys, with key names up to 40 characters long and values up to 500 characters long. This will only be used by the user and not Xendit.

Response Parameters

Example Create PayLater Charge Success Response

{
    "id": "plc_8cb12305-9bcf-4441-a087-ee0d446e297b",
    "customer_id": "49d056bd-21e5-4997-85f2-2127544c2196",
    "plan_id": "plp_3d88d952-9505-4ed7-84d3-e8639e99e9c4",
    "business_id": "5f27a14a9bf05c73dd040bc8",
    "reference_id": "order_id_123",
    "channel_code": "ONE_TIME_PAYMENT",
    "currency": "PHP",
    "amount": 1234.56,
    "order_items": [{
        "type": "PRODUCT",
        "reference_id": "SKU_123-456-789",
        "name": "Dyson Vacuum",
        "net_unit_amount": 1234.56,
        "quantity": 1,
        "url": "https://www.zngmyhome.com/dyson_vacuum",
        "category": "Electronics",
        "subcategory": "Appliances",
        "description": "A very powerful vacuum",
        "metadata": null
    }],
    "success_redirect_url": "https://merchant.com/order/confirm",
    "failure_redirect_url": "https://merchant.com/order/fail",
    "status": "PENDING",
    "created": "2020-11-11T16:23:52Z",
    "updated": "2020-11-11T16:23:52Z",
    "actions": {
        "desktop_web_checkout_url": "https://webcheckout.this/",
        "mobile_web_checkout_url": "https://webcheckout.this/",
        "mobile_deeplink_checkout_url": "app://deeplinkcheckout.this/"
    },
    "callback_url": "https://webhook.me/gethooked",
    "payment_method_id": null,
    "voided_at": null,
    "metadata": null
}

Body Parameter	Type	Description
id	string	Unique identifier for the charge request transaction It will always have the prefix of plc_, followed by a UUIDv4
customer_id	string	Unique identifier for customer
plan_id	string	Unique identifier for PayLater plan created
business_id	string	Business ID of the merchant
reference_id	string	Reference ID provided by merchant for the transaction
channel_code	string	Channel code for PayLater provider Supported channels: ID_KREDIVO, PH_BILLEASE
checkout_method	string	Supported checkout method: ONE_TIME_PAYMENT
currency	string	Reference ID provided by merchant for the transaction
channel_code	string	ISO 4217 currency code of PayLater transaction Supported currency: IDR, PHP
amount	number	Aggregated transaction amount equivalent to the sum of net_unit_amount multiplied by quantity in the order_items array
order_items	array	Array of objects describing the item/s purchased using PayLater
status	string	Charge status PENDING, SUCCEEDED, FAILED
success_redirect_url	string	URL where the customer is redirected after completing transaction Must be HTTPS or HTTP
failure_redirect_url	string	URL where the end-customer is redirected if the payment has failed Must be HTTPS or HTTP
created	string	Timestamp in ISO 8601 for transaction creation Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
updated	string	Timestamp in ISO 8601 latest object update Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
actions	object	PayLater Partner’s checkout URL where end-user will be redirected to complete payment Types of redirection URLs Key Value desktop_web_checkout_url string Generated URL for web checkout on devices with a stand-alone screen mobile_web_checkout_url string Generated URL for web checkout on mobile devices mobile_deeplink_checkout_url string Generated URL for deeplink checkout on mobile devices (jumps directly into PayLater partner's app for payment confirmation)
callback_url	string	Default to callback URL in dashboard where the charge status will be notified
payment_method_id	string	Payment method ID of end-customer source of funds Required when checkout_method = TOKENIZED_PAYMENT (currently not supported)
voided_at	string	Timestamp in ISO 8601 for void of transaction Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
metadata	object	Object of additional information the user may use. Users define the JSON properties and values You can specify up to 50 keys, with key names up to 40 characters long and values up to 500 characters long This will only be used by the user and not Xendit.

Error Codes

Example: Create PayLater Charge Request API Error Response

{
    "error_code": "API_VALIDATION_ERROR",
    "message": "PayLater partner does not support requested checkout_method."
}

Error Code	Description
API_VALIDATION_ERROR 400	There is invalid input in one of the required request fields
API_VALIDATION_ERROR 400	Unsupported Checkout Type PayLater partner does not support requested checkout_method
INVALID_API_KEY 401	API key is not authorized for this API service
REQUEST_FORBIDDEN_ERROR 403	The API key is forbidden to perform this request
PAYLATER_PLAN_DATA_NOT_FOUND 404	PayLater Plan ID is invalid. Please check the ID again or create an ID using PayLater Plans API
SERVER_ERROR 500	An unexpected error occured. Our team has been notified and will troubleshoot the issue
CHANNEL_UNAVAILABLE 503	The payment channel requested is currently experiencing unexpected issues. The PayLater partner will be notified to resolve this issue

Payment Status Callback

You need to provide an endpoint from your system to receive all payment callback notification from our system. You will receive the callback when end-customer attempted payments for PayLater. Please specify this endpoint in Xendit dashboard callback url page under PayLater paid.

The payment callback notification will be sent as POST request to the callback_url that you have set in the dashboard. Note: Please give this notification a response back with status 200 so we know that our notification is received and will not attempt to retry the notification.

POST callback-url

Version

You are currently viewing the newest version of our PayLater / Cardless Credit API. Click here to view older versions.

Callback Payload

This callback is triggered when a PayLater payment has SUCCEEDED or FAILED.

Example: PayLater Success Payment Callback Payload

{
    "event": "paylater.payment",
    "business_id": "5f27a14a9bf05c73dd040bc8",
    "created": "2020-11-11T16:28:52Z",
    "data": {
        "id": "plc_8cb12305-9bcf-4441-a087-ee0d446e297b",
        "customer_id": "49d056bd-21e5-4997-85f2-2127544c2196",
        "plan_id": "plp_3d88d952-9505-4ed7-84d3-e8639e99e9c4",
        "business_id": "5f27a14a9bf05c73dd040bc8",
        "reference_id": "order_id_123",
        "channel_code": "PH_BILLEASE",
        "checkout_method": "ONE_TIME_PAYMENT",
        "currency": "PHP",
        "amount": 1234.56,
        "order_items": [{
            "type": "PRODUCT",
            "reference_id": "SKU_123-456-789",
            "name": "Dyson Vacuum",
            "net_unit_amount": 1234.56,
            "quantity": 1,
            "url": "https://www.zngmyhome.com/dyson_vacuum",
            "category": "Electronics",
            "subcategory": "Appliances",
            "description": "A very powerful vacuum",
            "metadata": null
        }],
        "success_redirect_url": "https://merchant.com/order/confirm",
        "failure_redirect_url": "https://merchant.com/order/fail",
        "status": "SUCCEEDED",
        "created": "2020-11-11T16:23:52Z",
        "updated": "2020-11-11T16:23:52Z",
        "actions": {
            "desktop_web_checkout_url": "https://webcheckout.this/",
            "mobile_web_checkout_url": "https://webcheckout.this/",
            "mobile_deeplink_checkout_url": "app://deeplinkcheckout.this/"
        },
        "callback_url": "https://webhook.me/gethooked",
        "payment_method_id": null,
        "voided_at": null,
        "metadata": null
    }
}

Header Parameter	Description
x-callback-token	string Your Xendit unique callback token to verify the origin of the callback

Body Parameter	Type	Description
event	string	Identifies the event triggering a notification to merchant. paylater.payment occurs when PayLater partner confirms the payment status of a transaction
business_id	string	Business ID of the merchant
created	string	ISO 8601 timestamp of the event creation. Timezone is UTC+0
data	object	PayLater charge object will be nested in this parameter Data fields Parameter Description id string Unique identifier for the charge request transaction It will always have the prefix of plc_, followed by a UUIDv4 customer_id string Unique identifier for customer plan_id string Unique identifier for PayLater plan created business_id string Business ID of the merchant reference_id string Reference ID provided by merchant for the transaction channel_code string Channel code for PayLater provider checkout_method string Supported checkout method: ONE_TIME_PAYMENT currency string ISO 4217 currency code of PayLater transaction amount number Aggregated transaction amount equivalent to the sum of net_unit_amount multiplied by quantity in the order_items array order_items array Array of objects describing the item/s purchased using PayLater success_redirect_url string URL where the customer is redirected after completing transaction failure_redirect_url string URL where the end-customer is redirected if the payment has failed status string PayLater charge status PENDING, SUCCEEDED, FAILED created string Timestamp in ISO 8601 for transaction creation updated string Timestamp in ISO 8601 latest object update actions object PayLater Partner’s checkout URL where end-user will be redirected to complete payment callback_url string Default to callback URL in dashboard where the charge status will be notified payment_method_id string Payment method ID of end-customer source of funds Required when checkout_method = TOKENIZED_PAYMENT (currently not supported) voided_at string Timestamp in ISO 8601 for void of transaction metadata object object of additional information the user may use.

Get PayLater Charge by ID

Retrieve the details of a PayLater payment by Charge ID

Endpoint: Get PayLater Charge by ID

GET https://api.xendit.co/paylater/charges/{id}

Request Parameters

Example: Check PayLater Charge Status by ID - Request

curl https://api.xendit.co/paylater/charges/plc_8cb12305-9bcf-4441-a087-ee0d446e297b/ -X GET \
   -u xnd_development_LoReMIPman+ZPGT+ZZ9b3ooF4w3Dn+R1k+LoReMIPman:

<?php

use Xendit\Xendit;
require 'vendor/autoload.php';

Xendit::setApiKey('xnd_development_LoReMIPman+ZPGT+ZZ9b3ooF4w3Dn+R1k+LoReMIPman');

$charge_id = 'plc_8cb12305-9bcf-4441-a087-ee0d446e297b';
$getPayLaterChargeStatus = \Xendit\PayLater::getPayLaterChargeStatus($charge_id);
var_dump($getPayLaterChargeStatus);

?>

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_LoReMIPman+ZPGT+ZZ9b3ooF4w3Dn+R1k+LoReMIPman",
});

const { PayLater } = x;
const paylaterSpecificOptions = {};
const pl = new PayLater(paylaterSpecificOptions);

const resp = await pl.getPayLaterChargeStatus({
  chargeID: 'plc_8cb12305-9bcf-4441-a087-ee0d446e297b',
});
console.log(resp);

from xendit import PayLater

paylater_charge = PayLater.get_paylater_charge_status(
    charge_id="plc_8cb12305-9bcf-4441-a087-ee0d446e297b",
)

Header	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Path Parameter	Type	Description
id required	string	Unique identifier for charge request transaction (returned as id in the PayLater Charge request)

Response Parameters

Example: Check PayLater Charge Status by ID - Response

{
    "id": "plc_8cb12305-9bcf-4441-a087-ee0d446e297b",
    "customer_id": "49d056bd-21e5-4997-85f2-2127544c2196",
    "plan_id": "plp_3d88d952-9505-4ed7-84d3-e8639e99e9c4",
    "business_id": "5f27a14a9bf05c73dd040bc8",
    "reference_id": "order_id_123",
    "channel_code": "ONE_TIME_PAYMENT",
    "currency": "PHP",
    "amount": 1234.56,
    "order_items": [{
        "type": "PRODUCT",
        "reference_id": "SKU_123-456-789",
        "name": "Dyson Vacuum",
        "net_unit_amount": 1234.56,
        "quantity": 1,
        "url": "https://www.zngmyhome.com/dyson_vacuum",
        "category": "Electronics",
        "subcategory": "Appliances",
        "description": "A very powerful vacuum",
        "metadata": null
    }],
    "success_redirect_url": "https://merchant.com/order/confirm",
    "failure_redirect_url": "https://merchant.com/order/fail",
    "status": "SUCCEEDED",
    "created": "2020-11-11T16:23:52Z",
    "updated": "2020-11-11T16:23:52Z",
    "actions": {
        "desktop_web_checkout_url": "https://webcheckout.this/",
        "mobile_web_checkout_url": "https://webcheckout.this/",
        "mobile_deeplink_checkout_url": "app://deeplinkcheckout.this/"
    },
    "callback_url": "https://webhook.me/gethooked",
    "payment_method_id": null,
    "voided_at": null,
    "metadata": null
}

Body Parameter	Type	Description
id	string	Unique identifier for the charge request transaction It will always have the prefix of plc_, followed by a UUIDv4
customer_id	string	Unique identifier for customer
plan_id	string	Unique identifier for PayLater plan created
business_id	string	Business ID of the merchant
reference_id	string	Reference ID provided by merchant for the transaction
channel_code	string	Channel code for PayLater provider Supported channels: ID_KREDIVO, PH_BILLEASE
checkout_method	string	Supported checkout method: ONE_TIME_PAYMENT
currency	string	ISO 4217 currency code of PayLater transaction Supported currency: IDR, PHP
amount	number	Aggregated transaction amount equivalent to the sum of net_unit_amount multiplied by quantity in the order_items array
order_items	array	Array of objects describing the item/s purchased using PayLater
success_redirect_url	string	URL where the customer is redirected after completing transaction
failure_redirect_url	string	URL where the end-customer is redirected if the payment has failed
status	string	Charge status PENDING, SUCCEEDED, FAILED
created	string	Timestamp in ISO 8601 for transaction creation Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
updated	string	Timestamp in ISO 8601 latest object update Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
actions	object	PayLater Partner’s checkout URL where end-user will be redirected to complete payment
callback_url	string	Default to callback URL in dashboard where the charge status will be notified HTTPS is required
payment_method_id	string	Payment method ID of end-customer source of funds Required when checkout_method = TOKENIZED_PAYMENT (currently not supported)
voided_at	string	Timestamp in ISO 8601 for void of transaction Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
metadata	object	Object of additional information the user may use. Users define the JSON properties and values

You can specify up to 50 keys, with key names up to 40 characters long and values up to 500 characters long

This will only be used by the user and not Xendit.|

Error Codes

Example: Check PayLater Charge Status by ID - Error Response

{
    "error_code": "API_VALIDATION_ERROR",
    "message": "Charge ID does not match plc_UUID format"
}

Error Code	Description
API_VALIDATION_ERROR 400	Charge ID does not match plc_UUID format
INVALID_API_KEY 401	API key is not authorized for this API service
REQUEST_FORBIDDEN_ERROR 403	The API key is forbidden to perform this request
DATA_NOT_FOUND 404	Charge resource was not found. Please check your query again
SERVER_ERROR 500	An unexpected error occured. Our team has been notified and will troubleshoot the issue

QR Codes

QR codes payment instrument allows you to receive payments directly from end user's mobile banking app balance or eWallet balance. In Indonesia, our merchants can receive payments from any providers connected on QRIS network. (e.g. OVO, Gopay, DANA, LinkAja, BCA, Shopeepay, full list here )

Create QR Code

Endpoint: Create QR Code

POST https://api.xendit.co/qr_codes

Request Parameters

Example: Create QRIS QR Code

curl https://api.xendit.co/qr_codes -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+TeStIngw3Dn+R1k+2fT/7GlCAN3jg==: \
   -d external_id='testing_id_123' \
   -d type='DYNAMIC' \
   -d callback_url='https://yourwebsite.com/callback'\
   -d amount=1500

$ch = curl_init();

curl_setopt($ch, CURLOPT_URL, 'https://api.xendit.co/qr_codes');
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS, "external_id=testing_id_123&type=DYNAMIC&callback_url=https://yourwebsite.com/callback&amount=1500");
curl_setopt($ch, CURLOPT_USERPWD, 'xnd_development_O46JfOtygef9kMNsK+ZPGT+TeStIngw3Dn+R1k+2fT/7GlCAN3jg==' . ':' . '');

$headers = array();
$headers[] = 'Content-Type: application/x-www-form-urlencoded';
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);

$result = curl_exec($ch);
if (curl_errno($ch)) {
    echo 'Error:' . curl_error($ch);
}
curl_close($ch);

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { QrCode } = x;
const qrcodeSpecificOptions = {};
const q = new QrCode(qrcodeSpecificOptions);

const resp = await q.createCode({
  externalID: "testing_id_123",
  type: "DYNAMIC",
  callbackURL: "https://yourwebsite.com/callback",
  amount: 1500,
});
console.log(resp);

from xendit import Xendit, QRCodeType

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
QRCode = xendit_instance.QRCode

qrcode = QRCode.create(
    external_id="qrcode-id-1594794038",
    type=QRCodeType.DYNAMIC,
    callback_url="https://webhook.site",
    amount=4000,
)
print(qrcode)

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Body Parameter	Type	Description
external_id required	string	An ID of your choice. Often it is unique identifier in your system like customer ID or order ID Note: It has to be unique per creation request
type required	string	DYNAMIC or STATIC Note: DYNAMIC QR code contains the payment value upon scanning and can be paid multiple times Note: STATIC QR code requires end user to input the payment value and can be paid multiple times
callback_url required	string	The URL to receive payment notification after payment has been made by end user
amount optional	number	The payment value embedded in the QR code, end user can only pay the specified amount after scanning the QR code. For STATIC QR code, amount parameter will be ignored. Note: Min amount is 1,500 IDR Note: Max amount is 5,000,000 IDR
metadata optional	object	Object of additional information the user may use. Users define the JSON properties and values. You can specify up to 50 keys, with key names up to 40 characters long and values up to 500 characters long.

Response Parameters

Example: Create QRIS QR Code API Success Response

{
    "id": "qr_8182837te-87st-49ing-8696-1239bd4d759c",
    "external_id": "testing_id_123",
    "amount": 1500,
    "qr_string": "0002010102##########CO.XENDIT.WWW011893600#######14220002152#####414220010303TTT####015CO.XENDIT.WWW02180000000000000000000TTT52  045######ID5911XenditQRIS6007Jakarta6105121606##########3k1mOnF73h11111111#3k1mOnF73h6v53033605401163040BDB",
    "callback_url": "https://yourwebsite.com/callback",
    "type": "DYNAMIC",
    "status": "ACTIVE",
    "created": "2020-01-08T18:18:18.661Z",
    "updated": "2020-01-08T18:18:18.661Z",
    "metadata": {
        "branch_code": "senayan_372",
    }
}

Parameter	Type	Description
id required	string	Unique identifier for this transaction
external_id required	string	Unique identifier specified by merchant for QR code creation
amount required	number	Amount specified in request Note: Value will be NULL if QR type is STATIC
qr_string required	string	QR string to be rendered for display to end users. QR string to image rendering are commonly available in software libraries (e.g Nodejs, PHP, Java)
callback_url required	string	The URL provided by merchant to receive payment notification after payment has been made by end user
type required	string	DYNAMIC or STATIC
status required	string	ACTIVE (QR code can be paid) or INACTIVE (QR code has been paid for DYNAMIC QR)
created required	string	Timestamp ISO 8601 when the QR code was created (in UTC)
updated required	string	Timestamp ISO 8601 when the QR code was patched (in UTC)
metadata optional	object	User defined object with JSON properties and values passed in during charge creation. Object can be up to 50 keys, with key names up to 40 characters long and values up to 500 characters long.

Error Codes

Example: Create QRIS QR Code API Error Response

{
    "error_code": "API_VALIDATION_ERROR",
    "message": "Amount must be within range [1500, 2000000]"
}

Error Code	Description
DUPLICATE_ERROR 409	The payment with the same external_id has already been made before.
DATA_NOT_FOUND 409	QRIS merchant not found, please contact our customer success team for activation.
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here
API_VALIDATION_ERROR 400	There is invalid input in one of the required request fields.

Get QR Code by External ID

GET https://api.xendit.co/qr_codes/:external_id

Request Parameters

Example: Get QR Code by external_id

curl https://api.xendit.co/qr_codes/external_id -X GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+TeStIngw3Dn+R1k+2fT/7GlCAN3jg==: \

$ch = curl_init();

curl_setopt($ch, CURLOPT_URL, 'https://api.xendit.co/qr_codes/external_id');
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_CUSTOMREQUEST, 'GET');

curl_setopt($ch, CURLOPT_USERPWD, 'xnd_development_O46JfOtygef9kMNsK+ZPGT+TeStIngw3Dn+R1k+2fT/7GlCAN3jg==' . ':' . '');

$result = curl_exec($ch);
if (curl_errno($ch)) {
    echo 'Error:' . curl_error($ch);
}
curl_close($ch);

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { QrCode } = x;
const qrcodeSpecificOptions = {};
const q = new QrCode(qrcodeSpecificOptions);

const resp = await q.getCode({
  externalID: "testing_id_123",
});
console.log(resp);

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
QRCode = xendit_instance.QRCode

qrcode = QRCode.get_by_ext_id(
    external_id="qrcode-id-1594794038",
)
print(qrcode)

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Path Parameter	Type	Description
external_id required	string	Merchant provided unique ID used to create QR code

Response Parameters

Example: Get QR Code by external_id Success Response

{
    "id": "qr_8182837te-87st-49ing-8696-1239bd4d759c",
    "external_id": "testing_id_123",
    "amount": 1500,
    "qr_string": "0002010102##########CO.XENDIT.WWW011893600#######14220002152#####414220010303TTT####015CO.XENDIT.WWW02180000000000000000000TTT52045######ID5911XenditQRIS6007Jakarta6105121606##########3k1mOnF73h11111111#3k1mOnF73h6v53033605401163040BDB",
    "callback_url": "https://yourwebsite.com/callback",
    "type": "DYNAMIC",
    "status": "ACTIVE",
    "created": "2020-01-08T18:18:18.661Z",
    "updated": "2020-01-08T18:18:18.661Z",
    "metadata": {
        "branch_code": "senayan_372",
      }
    }

Parameter	Type	Description
id required	string	Unique identifier for this transaction
external_id required	string	Unique identifier specified by merchant for QR code creation
amount required	number	Amount specified in request Note: Value will be NULL if QR type is STATIC
qr_string required	string	QR string to be rendered for display to end users. QR string to image rendering are commonly available in software libraries (e.g Nodejs, PHP, Java)
callback_url required	string	The URL provided by merchant to receive payment notification after payment has been made by end user
type required	string	Type of QR code - DYNAMIC or STATIC
status required	string	ACTIVE (QR code can be paid) or INACTIVE (QR code has been paid for DYNAMIC QR)
created required	string	Timestamp ISO 8601 when the QR code was created (in UTC)
updated required	string	Timestamp ISO 8601 when the QR code was patched (in UTC)
metadata optional	object	User defined object with JSON properties and values passed in during charge creation. Object can be up to 50 keys, with key names up to 40 characters long and values up to 500 characters long.

Error Codes

Example: Create QRIS QR Code API Error Response

{
    "error_code": "DATA_NOT_FOUND",
    "message": "QR code with external_id testing_id_123 not found"
}

Error Code	Description
DATA_NOT_FOUND 404	The QR code with specified external_id does not exist.
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here

Get Payments by External ID

Provides the feature to retrieve all payments that were made into a particular QR code. This endpoint is particularly useful if each QR code is set up to receive multiple payments (e.g. offline static QR codes)

GET https://api.xendit.co/qr_codes/payments?external_id={external_id}&from={created}&to={created}&limit={number}

Request Parameters

Example: Get Array of Payments by external_id

curl 'https://api.xendit.co/qr_codes/payments?external_id=testing_qr&from=2021-01-04T08:09:30.000Z&to=2021-01-04T08:22:29.000Z&limit=2' -X GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+TeStIngw3Dn+R1k+2fT/7GlCAN3jg==: \

$ch = curl_init();

curl_setopt($ch, CURLOPT_URL, 'https://api.xendit.co/qr_codes/payments?external_id=testing_qr&from=2021-01-04T08:09:30.000Z&to=2021-01-04T08:22:29.000Z&limit=2');
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_CUSTOMREQUEST, 'GET');

curl_setopt($ch, CURLOPT_USERPWD, 'xnd_development_O46JfOtygef9kMNsK+ZPGT+TeStIngw3Dn+R1k+2fT/7GlCAN3jg==' . ':' . '');

$result = curl_exec($ch);
if (curl_errno($ch)) {
    echo 'Error:' . curl_error($ch);
}
curl_close($ch);

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { QrCode } = x;
const qrcodeSpecificOptions = {};
const q = new QrCode(qrcodeSpecificOptions);

const resp = await q.getPayments({
  externalID: "testing_id_123",
  from: "2021-01-04T08:09:30.000Z",
  to: "2021-02-04T07:44:20.332Z",
  limit: 10,
});
console.log(resp);

Path Parameter	Type	Description
external_id required	string	Merchant provided unique transaction ID used to create QR code
limit optional	number	Default = 10. Number of payment transactions to be returned in response array
from optional	string	Starting timestamp for time based filters using created, timestamp must be earlier than to parameter
to optional	string	Ending timestamp for time based filters using created, timestamp must be later than from parameter

Response Parameters

Example: Get Array of Payments by external_id Success Response

[
      {
  "id": "qrpy_8182837te-87st-49ing-8696-1239bd4d759c",
  "amount": 1500,
  "created": "2020-01-08T18:18:18.857Z",
  "qr_code": {
    "id": "qr_8182837te-87st-49ing-8696-1239bd4d759c",
    "external_id": "testing_id_123",
    "qr_string": "0002010102##########CO.XENDIT.WWW011893600#######14220002152#####414220010303TTT####015CO.XENDIT.WWW02180000000000000000000TTT52045######ID5911XenditQRIS6007Jakarta6105121606##########3k1mOnF73h11111111#3k1mOnF73h6v53033605401163040BDB",
    "type": "DYNAMIC",
    "metadata": {
        "branch_code": "senayan_372",
    }
  },
  "status": "COMPLETED"
     },
     {
  "id": "qrpy_8182837te-87st-49ing-8696-1229bd22222",
  "amount": 1500,
  "created": "2020-01-08T18:18:20.857Z",
  "qr_code": {
    "id": "qr_8182837te-87st-49ing-8696-1239bd4d759c",
    "external_id": "testing_id_123",
    "qr_string": "0002010102##########CO.XENDIT.WWW011893600#######14220002152#####414220010303TTT####015CO.XENDIT.WWW02180000000000000000000TTT52045######ID5911XenditQRIS6007Jakarta6105121606##########3k1mOnF73h11111111#3k1mOnF73h6v53033605401163040BDB",
    "type": "DYNAMIC",
    "metadata": {
        "branch_code": "senayan_372",
     }
  },
  "status": "COMPLETED"
     }
]

Parameter	Type	Description
id required	string	Unique identifier for this transaction
amount required	number	Amount paid by end user
created required	string	Timestamp ISO 8601 when the QR code was paid (in UTC)
qr_code required	object	QR code object associated with the QR code payment QR code fields Key Value id required string Unique identifier for the QR code creation transaction external_id required string Unique identifier for the payment request specified by merchant qr_string required string QR string to be rendered for display to end users type required string Type of QR code - DYNAMIC or STATIC metadata optional object User defined object with JSON properties and values passed in during charge creation. Object can be up to 50 keys, with key names up to 40 characters long and values up to 500 characters long.
status required	string	Status of payment. Possible value(s): COMPLETED

Error Codes

Example: Get Array of Payments by external_id

{
    "error_code": "DATA_NOT_FOUND",
    "message": "QR code with external_id testing_id_123 not found"
}

Error Code	Description
DATA_NOT_FOUND 404	The QR code with specified external_id does not exist.
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here

Simulate Payment (for completion of payment in test mode)

POST https://api.xendit.co/qr_codes/:external_id/payments/simulate

Request Parameters (test mode)

Example: Simulate Payment in Test Mode

curl https://api.xendit.co/qr_codes/:external_id/payments/simulate -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+TeStIngw3Dn+R1k+2fT/7GlCAN3jg==: \
   -d amount=1500

$ch = curl_init();

curl_setopt($ch, CURLOPT_URL, 'https://api.xendit.co/qr_codes/:external_id/payments/simulate');
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS, "amount=1500");
curl_setopt($ch, CURLOPT_USERPWD, 'xnd_development_O46JfOtygef9kMNsK+ZPGT+TeStIngw3Dn+R1k+2fT/7GlCAN3jg==' . ':' . '');

$headers = array();
$headers[] = 'Content-Type: application/x-www-form-urlencoded';
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);

$result = curl_exec($ch);
if (curl_errno($ch)) {
    echo 'Error:' . curl_error($ch);
}
curl_close($ch);

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { QrCode } = x;
const qrcodeSpecificOptions = {};
const q = new QrCode(qrcodeSpecificOptions);

const resp = await q.simulate({
  externalID: "testing_id_123",
});
console.log(resp);

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Path Parameter	Type	Description
external_id required	string	Unique identifier specified by merchant for QR code creation

Body Parameter	Type	Description
amount optional	number	The payment value for simulation in callback to test mode endpoint Note: Min amount is 1,500 IDR Note: Max amount is 5,000,000 IDR

Response Parameters (test mode)

Example: Simulate Payment (test mode) Success Response

{
  "id": "qrpy_8182837te-87st-49ing-8696-1239bd4d759c",
  "amount": 1500,
  "created": "2020-01-08T18:18:18.857Z",
  "qr_code": {
    "id": "qr_8182837te-87st-49ing-8696-1239bd4d759c",
    "external_id": "testing_id_123",
    "qr_string": "0002010102##########CO.XENDIT.WWW011893600#######14220002152#####414220010303TTT####015CO.XENDIT.WWW02180000000000000000000TTT52045######ID5911XenditQRIS6007Jakarta6105121606##########3k1mOnF73h11111111#3k1mOnF73h6v53033605401163040BDB",
    "type": "DYNAMIC",
    "metadata": {
        "branch_code": "senayan_372",
    }
  },
  "status": "COMPLETED"
}

Parameter	Type	Description
id required	string	Unique identifier for this transaction
amount required	number	Amount paid by end user
created required	string	Timestamp ISO 8601 when the QR code was paid (in UTC)
qr_code required	object	QR code object associated with the QR code payment QR code fields Key Value id required string Unique identifier for the QR code creation transaction external_id required string Unique identifier for the payment request specified by merchant qr_string required string QR string to be rendered for display to end users. QR string to image rendering are commonly available in software libraries (e.g Nodejs, PHP, Java) type required string Type of QR code - DYNAMIC or STATIC metadata optional object User defined object with JSON properties and values passed in during charge creation. Object can be up to 50 keys, with key names up to 40 characters long and values up to 500 characters long.
status required	string	Status of payment. Possible value(s): COMPLETED

Error Codes

Example: Create QRIS QR Code API Error Response

{
    "error_code": "DATA_NOT_FOUND",
    "message": "QR code with external_id testing_id_123 not found"
}

Error Code	Description
INACTIVE_QR_CODE 410	Payment simulation for DYNAMIC QRIS has been completed previously. DYNAMIC QRIS is inactive.
DATA_NOT_FOUND 404	The QR code with specified external_id does not exist.
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here
API_VALIDATION_ERROR 400	There is invalid input in one of the required request fields.

Payment Status Callback

Xendit notifies your system upon successful payments via callback. You need to provide an URL to receive callback. Please specify your URL in Callback Settings in Xendit Dashboard.

The payment notification will be sent as POST request to the URL you set. Xendit attach x-callback-token header that you can validate against Verification Token in Callback Settings to verify message authenticity.

Please response back with status 200 immediately. Learn more about Callback

Payment Callback Payload

Header Parameter	Type	Description
x-callback-token required	string	Your Xendit unique callback token to verify the origin of the callback

{
  "event": "qr.payment",
  "id": "qrpy_8182837te-87st-49ing-8696-1239bd4d759c",
  "amount": 1500,
  "created": "2020-01-08T18:18:18.857Z",
  "qr_code": {
    "id": "qr_8182837te-87st-49ing-8696-1239bd4d759c",
    "external_id": "testing_id_123",
    "qr_string": "0002010102##########CO.XENDIT.WWW011893600#######14220002152#####414220010303TTT####015CO.XENDIT.WWW02180000000000000000000TTT52045######ID5911XenditQRIS6007Jakarta6105121606##########3k1mOnF73h11111111#3k1mOnF73h6v53033605401163040BDB",
    "type": "DYNAMIC",
    "metadata": {
        "branch_code": "senayan_372",
    }
  },
  "status": "COMPLETED"
}

Parameter	Type	Description
event required	string	Available value: "qr.payment"
id required	string	Unique identifier for this transaction
amount required	number	Amount paid by end user
created required	string	Timestamp ISO 8601 when the QR code was paid (in UTC)
qr_code required	object	QR code object associated with the QR code payment QR code fields Key Value id required string Unique identifier for the QR code creation transaction external_id required string Unique identifier specified by merchant for QR code creation qr_string required string QR string to be rendered for display to end users. QR string to image rendering are commonly available in software libraries (e.g Nodejs, PHP, Java) type required string Type of QR code - DYNAMIC or STATIC metadata optional object User defined object with JSON properties and values passed in during charge creation. Object can be up to 50 keys, with key names up to 40 characters long and values up to 500 characters long.
status required	string	Status of payment. Possible value(s): COMPLETED

Direct Debit

Direct Debit enables merchants to pull payments directly from their end user’s account bank balance by linking their debit card or bank account access.

For the integration guide, and list of supported channels and corresponding linking type, see our documentation.

Initialize Linked Account Tokenization

Account authorizations are represented by linked account tokens. This endpoint initializes the authorization process and linked account token creation.

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Endpoint: Initialize Linked Account Tokenization

POST https://api.xendit.co/linked_account_tokens/auth

Initialize Linked Account Tokenization - Request

Example Initialize Linked Account Tokenization Request

curl https://api.xendit.co/linked_account_tokens/auth -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   -H 'Content-Type: application/json' \
   --data-raw '{
    "customer_id": "ba830b92-4177-476e-b097-2ad5ae4d3e55",
    "channel_code": "DC_BRI",
    "properties": {
        "account_mobile_number": "+62818555988",
        "card_last_four": "1234",
        "card_expiry": "06/24",
        "account_email": "email@email.com"
    }
}'

<?php
  $url = "https://api.xendit.co/linked_account_tokens/auth";
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = [];
  $headers[] = "Content-Type: application/json";
  $data = [
    "customer_id" => "ba830b92-4177-476e-b097-2ad5ae4d3e55",
    "channel_code" => "DC_BRI",
    "properties" => [
      "account_mobile_number" => "+62818555988",
      "card_last_four" => "1234",
      "card_expiry" => "06/24",
      "account_email" => "email@email.com"
    ]
  ];

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_POST, true);
  curl_setopt($curl, CURLOPT_POSTFIELDS, $payload);
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { DirectDebit } = x;
const directDebitSpecificOptions = {};
const dd = new DirectDebit(directDebitSpecificOptions);

const resp = await dd.initializeTokenization({
  customerID: 'ba830b92-4177-476e-b097-2ad5ae4d3e55',
  channelCode: 'DC_BRI',
  properties: {
    accountMobileNumber: '+62818555988',
    cardLastFour: '1234',
    cardExpiry: '06/24',
    accountEmail: 'email@email.com',
  },
});
console.log(resp);

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
DirectDebit = xendit_instance.DirectDebit

card_linking = DirectDebit.helper_create_card_link(
    account_mobile_number="+62818555988",
    card_last_four="8888",
    card_expiry="06/24",
    account_email="test.email@xendit.co",
)
linked_account = DirectDebit.initialize_tokenization(
    customer_id="ed20b5db-df04-41fc-8018-8ea4ac4d1030",
    channel_code="DC_BRI",
    properties=card_linking,   
)
print(linked_account)

Request Body Parameter	Type	Description
customer_id required	string	ID of the customer object to which the account token will be linked to. Call Customer API to generate Customer ID
channel_code required	string	Identifier for the specific channel of the account to be linked. Code must be in uppercase. Supported banks and their respective channel codes: Bank BRI (ID) - DC_BRI BCA OneKlik (ID) - BCA_ONEKLIK Bank of the Philippine Islands (PH) - BA_BPI Unionbank (PH) - BA_UBP
properties optional	object	JSON that contains information needed to proceed with authorization. Values inside properties change based on type of account: For BRI Debit Card Linking: Key Value account_mobile_number required Mobile number of the customer registered to the partner channel in E.164 international standard. Format: +(country code)(subscriber number) card_last_four required Last four digits of the debit card card_expiry required Expiry month and year of the debit card (in MM/YY format) account_email required Email address of the customer that is registered to the partner channel For BCA OneKlik: Key Value account_mobile_number required Mobile number of the customer registered to the partner channel in E.164 international standard. Format: +(country code)(subscriber number) success_redirect_url required URL where the end-customer is redirected if the authorization is successful. Linked account token ID will be included in the URL as a query parameter. failure_redirect_url optional URL where the end-customer is redirected if the authorization fails. callback_url optional URL where the successful linking webhook will be sent. If none is provided, webhook will be sent to the default set during onboarding. device optional Required for BCA OneKlik Object that contains the end-customer's device fingerprint information. This is used for fraud detection. Key Value id required The end-customer's Android or iOS specific unique device identifier. If accessed through web, input the string WEB ip_address required The end-customer's IPv4 or IPv6 address at the point of request. user_agent required The end-customer's extracted user-agent string from the device. ad_id optional Android advertising ID (AAID) or iOS Identifier for Advertisers (IDFA) imei optional The end-customer's device's International Mobile Equipment Identity (IMEI). For Online Banking Access Linking (BPI, UBP): Key Value success_redirect_url required URL where the end-customer is redirected if the authorization is successful. Linked account token ID will be included in the URL as a query parameter. failure_redirect_url optional URL where the end-customer is redirected if the authorization fails callback_url optional URL where the successful linking webhook will be sent. If none is provided, webhook will be sent to the default set during onboarding.
metadata optional	object	A free-format JSON for additional information that you may use.

Initialize Linked Account Tokenization - Response

Example Initialize Linked Account Tokenization Success Response

{
    "id": "lat-aa620619-124f-41db-995b-66a52abe036a",
    "customer_id": "ba830b92-4177-476e-b097-2ad5ae4d3e55",
    "channel_code": "DC_BRI",
    "authorizer_url": null,
    "status": "PENDING",
    "metadata": null
}

Parameter	Type	Description
id	string	Unique ID generated by Xendit for the particular linked account token authorization
customer_id	string	Customer object ID
channel_code	string	Code identifier for the channel
authorizer_url	string	URL to be rendered for end user to confirm authorization for linking via online banking access. For debit card linking (BRI), this will always be null; proceed to the "Validate OTP for Linked Account Token" step instead.
status	string	Status of the authorization. Will always be PENDING for successful initiations.
metadata	object	A free-format JSON for additional information that you provded during request.

Initialize Linked Account Tokenization - Errors

See other common errors here.

Error Code	Description
CHANNEL_CODE_NOT_SUPPORTED_ERROR 400	Provided channel_code is not supported or has not yet activated for this account.
CUSTOMER_NOT_FOUND_ERROR 400	Provided customer_id in the request does not exist or access is unauthorized
INVALID_ACCOUNT_DETAILS 400	Provided values in properties in the request does not match any records with the bank
ACCOUNT_ACCESS_BLOCKED 400	The bank has rejected the linking. This maybe the bank account is inaccessible or not activated for this service.
MAX_ACCOUNT_LINKING 400	Cannot link the account because it has reached the maximum number of linking allowed by the bank. Please unlink any existing binding for this account.
OTP_DELIVERY_ERROR 400	The bank failed to send the OTP to the end-user. Please try again.
CHANNEL_UNAVAILABLE 503	The target channel is currently unavailable. This is possibly due to partner channel downtime or error.

Validate OTP for Linked Account Token

Account linking for debit cards requires an OTP to proceed. Upon successful initialization, the bank will send an OTP to the customer's registered mobile number directly. This endpoint validates the OTP with the bank.

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Endpoint: Validate OTP for Linked Account Token

POST https://api.xendit.co/linked_account_tokens/{linked_account_token_id}/validate_otp

Validate OTP for Linked Account Token - Request

Example Validate OTP for Linked Account Token Request

curl https://api.xendit.co/linked_account_tokens/lat-aa620619-124f-41db-995b-66a52abe036a/validate_otp -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   -H 'Content-Type: application/json' \
   --data-raw '{
    "otp_code":"123456"
}'

<?php
  $linkedAccountTokenId = "lat-aa620619-124f-41db-995b-66a52abe036a";
  $url = "https://api.xendit.co/linked_account_tokens/" . $linkedAccountTokenId . "/validate_otp";
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = [];
  $headers[] = "Content-Type: application/json";
  $data = [
    "otp_code" => "123456"
  ];

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_POST, true);
  curl_setopt($curl, CURLOPT_POSTFIELDS, $payload);
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { DirectDebit } = x;
const directDebitSpecificOptions = {};
const dd = new DirectDebit(directDebitSpecificOptions);

const resp = await dd.validateOTPforLinkedAccount({
  tokenID: 'lat-aa620619-124f-41db-995b-66a52abe036a',
  otpCode: '123456',
});
console.log(resp);

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
DirectDebit = xendit_instance.DirectDebit

linked_account = DirectDebit.validate_token_otp(
    linked_account_token_id="lat-f325b757-0aae-4c24-92c5-3661e299e154",
    otp_code="333000",
)
print(linked_account)

Path Parameter	Type	Description
linked_account_token_id required	string	Linked account token id received from Initialize Account Authorization. This has the lat- prefix.

Request Body Parameter	Type	Description
otp_code required	string	OTP received by the customer from the partner bank for account linking

Validate OTP for Linked Account Token - Response

Example Validate OTP for Linked Account Token Success Response

{
    "id": "lat-aa620619-124f-41db-995b-66a52abe036a",
    "customer_id": "239c16f4-866d-43e8-9341-7badafbc019f",
    "channel_code": "DC_BRI",
    "status": "SUCCESS"
}

Parameter	Type	Description
id	string	Unique ID generated by Xendit for the particular linked account token authorization
customer_id	string	Customer object ID
channel_code	string	Code identifier for the channel
status	string	Status of the authorization - SUCCESS if the validation went through. Else, error will be thrown

Validate OTP for Linked Account Token - Errors

See other common errors here.

Error Code	Description
DATA_NOT_FOUND_ERROR 404	Provided linked_account_token_id is not supported or has not yet activated for this account.
INVALID_OTP_ERROR 400	The otp_code provided was incorrect.
EXPIRED_OTP_ERROR 400	The otp_code provided has expired.
MAX_OTP_ATTEMPTS_ERROR 400	Reached the channel’s allowed maximum attempts for OTP verification
ACCOUNT_LINKING_ALREADY_COMPLETED 409	The request is a duplicate of an already processed linked account token that has been successfully completed.
ACCOUNT_LINKING_ALREADY_FAILED 409	The request is a duplicate of an already processed linked account token that has failed.

Retrieve Accessible Accounts by Linked Account Token

This endpoint returns a list of bank accounts accessible by the linked account token. The response information from this endpoint is required for creation of payment method.

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Endpoint: Get Accessible Accounts by Linked Account Token

GET https://api.xendit.co/linked_account_tokens/{linked_account_token_id}/accounts

Retrieve Accessible Accounts by Linked Account Token - Request

Example Get Accessible Accounts by Linked Account Token Request

curl https://api.xendit.co/linked_account_tokens/lat-aa620619-124f-41db-995b-66a52abe036a/accounts -X GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: 

<?php
  $linkedAccountTokenId = "lat-aa620619-124f-41db-995b-66a52abe036a";
  $url = "https://api.xendit.co/linked_account_tokens/" . $linkedAccountTokenId . "/accounts";
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = [];
  $headers[] = "Content-Type: application/json";

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_CUSTOMREQUEST, "GET");
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { DirectDebit } = x;
const directDebitSpecificOptions = {};
const dd = new DirectDebit(directDebitSpecificOptions);

const resp = await dd.retrieveAccountsByTokenID({
  tokenID: 'lat-aa620619-124f-41db-995b-66a52abe036a',
});
console.log(resp);

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
DirectDebit = xendit_instance.DirectDebit

accessible_accounts = DirectDebit.get_accessible_accounts_by_token(
    linked_account_token_id="lat-f325b757-0aae-4c24-92c5-3661e299e154",
)
print(accessible_accounts)

Path Parameter	Type	Description
linked_account_token_id required	string	Linked account token id received from Initialize Account Authorization. This has the lat- prefix.

Retrieve Accessible Accounts by Linked Account Token - Response

This endpoint returns an array of objects with the following properties:

Example Get Accessible Accounts by Linked Account Token Success Response

[{
    "id": "la-aa620619-124f-41db-995b-66a52abe036a",
    "channel_code": "DC_BRI",
    "type": "DEBIT_CARD",
    "properties": {
        "card_last_four": "1234",
        "card_expiry": "06/24",
        "currency": "IDR",
        "description": ""
    }
}]

Parameter	Type	Description
id	string	Unique identifier for the bank account. This has a prefix of la-.
channel_code	string	Code identifier for the channel
type	string	Type of account that has been linked. Expected values: DEBIT_CARD (BRI, BCA OneKlik) or BANK_ACCOUNT (BPI, UBP)
properties	object	Object containing information regarding the account. The values inside properties change based on the type of account: For type BRI DEBIT_CARD: Key Value card_last_four stringLast four digits of the debit card card_expiry stringExpiry month and year of the debit card (in MM/YY format) currency stringCurrency of the account in ISO 4217 description stringDescription of the account (provided by the bank) For type BCA OneKlik: Key Value account_mobile_number stringMobile number of the end-customer registered to the partner channel card_last_four stringLast four digits of the debit card card_expiry stringExpiry month and year of the debit card (in MM/YY format) currency stringCurrency of the account in ISO 4217 description stringDescription of the account (provided by the bank) For type BANK_ACCOUNT (BPI): Key Value account_details stringMasked account details as provided by the bank. Used for displaying a portion of the account number. account_hash stringUnique hash for the specific account. This does not change across different authorizations or integrations. account_type stringType of bank account (provided by the bank) currency stringCurrency of the account in ISO 4217 description stringDescription of the account (provided by the bank)

Retrieve Accessible Accounts by Linked Account Token - Errors

See other common errors here.

Error Code	Description
DATA_NOT_FOUND_ERROR 404	Provided linked_account_token_id is not supported or has not yet activated for this account.

Unbind a Linked Account Token

Unlinks or unbinds a successful linked account token.

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Endpoint: Unbind a Linked Account Token

DELETE https://api.xendit.co/linked_account_tokens/{linked_account_token_id}

Unbind a Linked Account Token - Request

Example Unbind a Linked Account Token Request

curl https://api.xendit.co/linked_account_tokens/lat-aa620619-124f-41db-995b-66a52abe036a/validate_otp -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: 

<?php
  $linkedAccountTokenId = "lat-aa620619-124f-41db-995b-66a52abe036a";
  $url = "https://api.xendit.co/linked_account_tokens/" . $linkedAccountTokenId;
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_CUSTOMREQUEST, "DELETE");
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

let apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
let linkedAccountTokenId = "lat-aa620619-124f-41db-995b-66a52abe036a";
let url = "https://api.xendit.co/linked_account_tokens/" + linkedAccountTokenId;

var headers = new Headers();
headers.append("Authorization", "Basic " + btoa(apiKey + ":"));

var requestOptions = {
  method: 'DELETE',
  headers: headers,
  redirect: 'follow'
};

fetch(url, requestOptions)
  .then(response => response.text())
  .then(result => console.log(result))
  .catch(error => console.log('error', error));

Path Parameter	Type	Description
linked_account_token_id required	string	Linked account token id received from Initialize Account Authorization. This has the lat- prefix.

Unbind a Linked Account Token - Response

Example Unbind a Linked Account Token Success Response

{
    "id": "lat-aa620619-124f-41db-995b-66a52abe036a",
    "is_deleted": true
}

Parameter	Type	Description
id	string	Unique ID generated by Xendit for the particular linked account token authorization
is_deleted	boolean	Describes whether or not the linked account token was successfully deleted

Unbind a Linked Account Token - Errors

See other common errors here.

Error Code	Description
DATA_NOT_FOUND_ERROR 404	Provided linked_account_token_id is not found or inaccessible for this account.

Create Payment Method

Payment methods enable you to abstract sources of funds and use them for making direct debit payments or recurring payments. Currently, only supports linked accounts.

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Endpoint: Create Payment Method

POST https://api.xendit.co/payment_methods

Create Payment Method - Request

Example Create Payment Method Request

curl https://api.xendit.co/payment_methods -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   -H 'Content-Type: application/json' \
   --data-raw '{
    "customer_id": "ba830b92-4177-476e-b097-2ad5ae4d3e55",
    "type": "DEBIT_CARD",
    "properties": {
        "id": "la-aa620619-124f-41db-995b-66a52abe036a"
    }
}'

<?php
  $url = "https://api.xendit.co/payment_methods";
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = [];
  $headers[] = "Content-Type: application/json";
  $data = [
    "customer_id" => "ba830b92-4177-476e-b097-2ad5ae4d3e55",
    "type" => "DEBIT_CARD",
    "properties" => [
      "id" => "la-aa620619-124f-41db-995b-66a52abe036a"
    ]
  ];

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_POST, true);
  curl_setopt($curl, CURLOPT_POSTFIELDS, $payload);
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { DirectDebit } = x;
const directDebitSpecificOptions = {};
const dd = new DirectDebit(directDebitSpecificOptions);

const resp = await dd.createPaymentMethod({
  customerID: 'ba830b92-4177-476e-b097-2ad5ae4d3e55',
  type: 'DEBIT_CARD',
  properties: {
    id: 'la-aa620619-124f-41db-995b-66a52abe036a',
  },
});
console.log(resp);

from xendit import Xendit, DirectDebitPaymentMethodType

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
DirectDebit = xendit_instance.DirectDebit

payment_method = DirectDebit.create_payment_method(
    customer_id="ed20b5db-df04-41fc-8018-8ea4ac4d1030",
    type=DirectDebitPaymentMethodType.DEBIT_CARD,
    properties={'id': 'la-fac7e744-ab40-4100-a447-cbbb16f29ded'},
)

print(payment_method)

Request Body Parameter	Type	Description
customer_id conditional	string	ID of the customer object to which the account token will be linked to. Required for all channels except for BCA KlikPay.
type required	string	Type of payment method For BRI, BCA OneKlik: DEBIT_CARD For BCA KlikPay: BANK_REDIRECT For BPI, Unionbank: BANK_ACCOUNT
properties required	object	JSON that contains information that identifies the payment method: For BRI, BCA OneKlik, BPI, and Unionbank: Key Value id required ID of the account from which payments will be pulled from. You can retrieve account ID by using this API For BCA KlikPay: Key Value channel_code required Xendit indentifier code for the specific channel partner For BCA KlikPay: BCA_KLIKPAY
metadata optional	object	A free-format JSON for additional information that you may use.

Create Payment Method - Response

Example Create Payment Method Success Response

{    
    "id": "pm-c30d4800-afe4-4e58-ad5f-cc006d169139",
    "type": "DEBIT_CARD",
    "properties": {
        "id": "la-aa620619-124f-41db-995b-66a52abe036a",
        "channel_code": "DC_BRI",
        "currency": "IDR",
        "card_last_four": "1234",
        "card_expiry": "06/24",
        "description": null,
    },
    "customer_id": "ba830b92-4177-476e-b097-2ad5ae4d3e55",
    "status": "ACTIVE",
    "created": "2020-03-19T05:34:55+0800",
    "updated": "2020-03-19T05:24:55+0800",
    "metadata": null  
}

Parameter	Type	Description
id	string	Unique identifier for the payment method. This has a prefix of pm-.
type	string	Type of account that has been linked. For BRI, BCA OneKlik: DEBIT_CARD For BCA KlikPay: BANK_REDIRECT For BPI, Unionbank: BANK_ACCOUNT
properties	object	Object containing information regarding the account. The values inside properties change based on the type of account: For BRI: Key Value channel_code Identifier for the specific channel of the account to be linked. Code must be in uppercase. Supported banks and their respective channel codes: Bank BRI (ID) - DC_BRI card_last_four stringLast four digits of the debit card card_expiry stringExpiry month and year of the debit card (in MM/YY format) currency stringCurrency of the account in ISO 4217 description stringDescription of the account (provided by the bank) For BCA OneKlik: Key Value channel_code Identifier for the specific channel of the account to be linked. Code must be in uppercase. Supported banks and their respective channel codes: BCA OneKlik (ID) - BCA_ONEKLIK account_mobile_number stringMobile number of the end-customer registered to the partner channel card_last_four stringLast four digits of the debit card card_expiry stringExpiry month and year of the debit card (in MM/YY format) currency stringCurrency of the account in ISO 4217 description stringDescription of the account (provided by the bank) For type BCA KlikPay: Key Value channel_code Identifier for the specific channel of the account to be linked. Code must be in uppercase. Supported banks and their respective channel codes: BCA KlikPay (PH) - BCA_KLIKPAY For type BPI, Unionbank: Key Value channel_code Identifier for the specific channel of the account to be linked. Code must be in uppercase. Supported banks and their respective channel codes: Bank of the Philippine Islands (PH) - BA_BPI Unionbank (PH) - BA_UBP account_details stringMasked account details as provided by the bank. Used for displaying a portion of the account number. account_hash stringUnique hash for the specific account. This does not change across different authorizations or integrations. account_type stringType of bank account (provided by the bank) currency stringCurrency of the account in ISO 4217 description stringDescription of the account (provided by the bank)
customer_id	string	ID of the customer object in which this payment method is linked to
status required	string	Status of the payment method. Will be equal to ACTIVE upon creation.
created	string	Timestamp in ISO 8601 when the request was made Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
updated	string	Timestamp in ISO 8601 when transaction information was updated Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
metadata	object	A free-format JSON for additional information that you provded during request.

Create Payment Method - Errors

See other common errors here.

Error Code	Description
CHANNEL_CODE_NOT_SUPPORTED_ERROR 400	Provided channel_code does not exist
LIINKED_ACCOUNT_NOT_FOUND_ERROR 400	Provided properties and type combination in the request does not exist or access is unauthorized
CUSTOMER_NOT_FOUND_ERROR 400	Provided customer_id in the request does not exist or access is unauthorized
DUPLICATE_ERROR 409	There is already an existing ACTIVE payment method that relates to the same account

Create Direct Debit Payment

Create a debit to pull funds from the end customer's account using an active payment method. BRI (ID) and BPI (PH) supports sending OTPs to complete a payment; UBP (PH) does not require any OTP.

Endpoint: Create Direct Debit Payment

POST https://api.xendit.co/direct_debits

Create Payment - Request

Example Create Payment Request

curl https://api.xendit.co/direct_debits -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   -H 'Content-Type: application/json' \
   -H 'Idempotency-key: Test_Idempotent_Key'\
   --data-raw '{
    "reference_id": "customer_test_reference_id",
    "payment_method_id": "pm-c30d4800-afe4-4e58-ad5f-cc006d169139",
    "currency": "IDR",
    "amount": 1500,
    "enable_otp": true,
    "callback_url": "https://payment-callback-listener/"
}'

<?php
  $url = "https://api.xendit.co/direct_debits";
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = $headers = [
    "Content-Type : application/json",
    "Idempotency-key: Test_Idempotent_Key",
    ];
  $data = [
    "reference_id" => "customer_test_reference_id",
    "payment_method_id" => "pm-c30d4800-afe4-4e58-ad5f-cc006d169139",
    "currency" => "IDR",
    "amount" => 1500,
    "enable_otp" => true,
    "callback_url" => "https://payment-callback-listener/"
    ];

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_POST, true);
  curl_setopt($curl, CURLOPT_POSTFIELDS, $payload);
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { DirectDebit } = x;
const directDebitSpecificOptions = {};
const dd = new DirectDebit(directDebitSpecificOptions);

const resp = await dd.createDirectDebitPayment({
  idempotencyKey: 'Test_Idempotent_Key',
  referenceID: 'customer_test_reference_id',
  paymentMethodID: 'pm-c30d4800-afe4-4e58-ad5f-cc006d169139',
  currency: 'IDR',
  amount: 10000,
  callbackURL: 'https://payment-callback-listener/',
  enableOTP: true,
});
console.log(resp);

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
DirectDebit = xendit_instance.DirectDebit

payment = DirectDebit.create_payment(
    reference_id="direct-debit-ref-1594718940",
    payment_method_id="pm-b6116aea-8c23-42d0-a1e6-33227b52fccd",
    currency="IDR",
    amount="60000",
    callback_url="http://webhook.site/",
    enable_otp=True,
    idempotency_key="idemp_key-1594718940",
)

print(payment)

Header	Type	Description
Idempotency-key required	string	Provided by the merchant to prevent duplicate requests. May be equal to any GUID. Note: Max 100 characters
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Request Body Parameter	Type	Description
reference_id required	string	Merchant-provided identifier for this transaction Note: Max 255 characters
payment_method_id required	string	Xendit’s identifier for specific payment method. You can create one using Create Payment Method API if you haven't already generated one. Use Get Payment Method API to retrieve the ID
currency required	string	Currency of amount to debit in ISO 4217. e.g. "IDR", "PHP"
amount required	number	Amount to debit from the end-customer’s account Note: Maximum amount that can be charged without OTP is 999,999
callback_url optional	string	URL where payment notification will be sent after transaction process Note: Max 255 characters
enable_otp optional	boolean	true to charge end customer's account with OTP false to charge end customer's account without OTP Defaults to true for DC_BRI. Not supported for BA_BPI, BA_UBP, and BCA_KLIKPAY. Note for BCA OneKlik: If set to true, the transaction will require an OTP to be validated regardless of the device object. If not provided, it will follow the device object validation logic set by BCA.
description optional	string	Description for the direct debit transaction.
device conditional	object	Required for BCA OneKlik Object that contains the end-customer's device fingerprint information. This is used for fraud detection. Key Value id required stringThe end-customer's Android or iOS specific unique device identifier. If accessed through web, input the string WEB ip_address required stringThe end-customer's IPv4 or IPv6 address at the point of request. user_agent required stringThe end-customer's extracted user-agent string from the device. ad_id optional stringAndroid advertising ID (AAID) or iOS Identifier for Advertisers (IDFA) imei optional stringThe end-customer's device's International Mobile Equipment Identity (IMEI).
basket optional	array	Array of objects describing the item/s purchased using direct debit Key Value reference_id required stringMerchant’s identifier for specific product (ie. SKU) name required stringName of product market required string2-letter ISO 3166-2 country code indicating target merchant’s country of operations type required stringType of product description optional stringDescription of product category optional stringMerchant category for item sub-category optional stringMerchant sub-category for item price optional stringPrice per unit in basket currency url optional stringProduct URL with product details metadata optional stringAdditional object that may be used for additional product attributes quantity optional stringNumber of units of this item in the basket
success_redirect_url conditional	string	Required for BCA OneKlik and BCA KlikPay The end-customer gets redirected to this URL on successful transaction. If OTP is not required and the transaction was successful, the end-customer gets redirected to this immediately.
failure_redirect_url conditional	string	Required for BCA OneKlik and BCA KlikPay The end-customer gets redirected to this URL on failed or cancelled transaction. If OTP is not required and the transaction fails, the end-customer gets redirected to this after displaying the error message.
metadata optional	object	Object of additional information the user may use. User defines the JSON properties and values. You can specify up to 50 keys, with key names up to 40 characters long and values up to 500 characters long

Create Payment - Response

Example Create Payment Success Response

{
    "id": "ddpy-623dca10-5dad-4916-b14d-81aaa76b5d14",
    "reference_id": "e17a0ac8-6fed-11ea-bc55-0242ac130003",
    "channel_code": "DC_BRI",
    "payment_method_id": "pm-c30d4800-afe4-4e58-ad5f-cc006d169139",
    "currency": "IDR",
    "amount": "10000",
    "description": null,
    "status": "PENDING",
    "basket": null,
    "failure_code": null,
    "is_otp_required": true,
    "otp_mobile_number": "+6287774441111",
    "otp_expiration_timestamp": null,
    "required_action": "VALIDATE_OTP",
    "checkout_url": null,
    "success_redirect_url": null,
    "failure_redirect_url": null, 
    "refunded_amount": null,
    "refunds": null,
    "created": "2020-03-26T05:44:26+0800",
    "updated": null,
    "metadata": null
}

Parameter	Type	Description
id	string	Unique identifier for the transaction
reference_id	string	Reference ID provided by merchant
channel_code	string	Code identifier for the channel
payment_method_id	string	Payment method ID of end-customer source of funds
currency	string	Currency of the payment
amount	string	Amount to debit from the end-customer’s account
description	string	Description provided by merchant
status	string	Status of the payment - PENDING, COMPLETED, FAILED
failure_code	string	Reason if direct debit has failed. List of failure codes can be found here
is_otp_required	boolean	The flag for merchant to know whether OTP is required for the particular direct debit transaction
otp_mobile_number	string	Masked mobile number of the OTP recipient from the channel. Empty string if OTP was not enabled.
otp_expiration_timestamp	string	Timestamp until when the OTP is valid. Empty string if OTP was not enabled.
required_action	string	Describes the required action in order to complete the linking. If VALIDATE_ON_REDIRECT, the end-customer must be redirected to the provided checkout_url to complete the direct debit payment. If VALIDATE_OTP, an OTP will be sent to the end-customer and must be validated through the /direct_debits/:id/validate_otp endpoint to complete the direct debit payment. If null, the capture is already in progress.
checkout_url	string	If required_action is VALIDATE_ON_REDIRECT, the end-customer must be redirected to this URL in order to complete the payment. For BCA OneKlik, this will be the page wherein the end-customer will select their mobile number and input the OTP. The URL will be sent out asynchronously via the Payment Initialized Callback.
success_redirect_url	string	Only applicable for BCA OneKlik, BCA KlikPay The end-customer gets redirected to this URL on successful transaction.
failure_redirect_url	string	Only for BCA OneKlik, BCA KlikPay The end-customer gets redirected to this URL on failed transactions. The failure_redirect_url will have a failure-code as part of the query string. This describes the reason why the transaction failed. You may use this to dynamically update your failure_redirect_url page based on the failure-code.
refunded_amount	number	Amount that was successfully refunded from the transaction.
refunds	object	When refunds are made, this will contain information about the refunds done to the transaction. The will have the following properties: Key Description data array Array of pending, succeeded, and failed refund ids Only a maximum of 10 will be returned. has_more boolean Value will be true if the number of refund ids are more than 10. Use List of Refunds API to get the list url array Make a GET request to this endpoint to get more information about the refunds
created	string	Timestamp in ISO 8601 when transaction information was updated Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
updated	string	Timestamp in ISO 8601 when transaction information was updated Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
basket	array	Array of basket objects provided by merchant
metadata	object	Metadata provided by merchant

Create Payment - Errors

Example Create Payment Error Response

{
    "error_code" : "DUPLICATE_ERROR",
    "message" : "Idempotency key has been used before. Use a unique idempotency key and try again"
}

Error Code	Description
DUPLICATE_ERROR 409	Idempotency key has been used before. Use a unique idempotency key and try again.
PAYMENT_METHOD_NOT_FOUND_ERROR 400	Provided payment_method_id is invalid, not found or access is unauthorized
INVALID_PAYMENT_METHOD_ERROR 400	The payment method has expired or has been invalidated.
INSUFFICIENT_BALANCE 400	The source payment method doesn't have enough balance to complete the transaction
ACCOUNT_ACCESS_BLOCKED 400	The source account is blocked and cannot be accessed.
MAX_AMOUNT_LIMIT_ERROR 400	The amount for the transaction exceeds the account's aggregated limits set by the partner bank.
PAYMENT_STATUS_FAILED 400	The bank partner was unable to process the transaction successfully due to a timeout or an unexpected error on the bank partner’s end.

Validate OTP for Direct Debit Payment

Validate OTP provided by end customer via this endpoint to complete the transaction when OTP is enabled.

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Endpoint: Validate OTP for Direct Debit Payment

POST https://api.xendit.co/direct_debits/:direct_debit_id/validate_otp/

Validate Payment OTP - Request

Example Validate Payment OTP Request

curl https://api.xendit.co/direct_debits/ddpy-623dca10-5dad-4916-test/validate_otp/ -X GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   --data-raw '{
    "otp_code": "111222"
    }'

<?php
  $direct_debit_id = "ddpy-623dca10-5dad-4916-test";
  $url = "https://api.xendit.co/direct_debits/" . $direct_debit_id . "/validate_otp";
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = [];
  $headers[] = "Content-Type: application/json";
  $data = [
    "otp_code" => "111222"
  ];

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_POST, true);
  curl_setopt($curl, CURLOPT_POSTFIELDS, $payload);
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { DirectDebit } = x;
const directDebitSpecificOptions = {};
const dd = new DirectDebit(directDebitSpecificOptions);

const resp = await dd.validateOTPforPayment({
  directDebitID: 'ddpy-623dca10-5dad-4916-test',
  otpCode: '111222',
});
console.log(resp);

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
DirectDebit = xendit_instance.DirectDebit

payment = DirectDebit.validate_payment_otp(
    direct_debit_id="ddpy-eaa093b6-b669-401a-ba2e-61ac644b2aff",
    otp_code="222000",
)

print(payment)

Path Parameter	Type	Description
direct_debit_id required	string	Merchant provided identifier for specified direct debit transaction

Request Body Parameter	Type	Description
otp_code required	string	One-time-password input from end customer

Validate Payment OTP - Response

Will return a successful 200 HTTP response as soon as the bank has validated the OTP, otherwise an error is returned.

Example Get Payment Status by ID Success Response

{
    "id": "ddpy-623dca10-5dad-4916-b14d-81aaa76b5d14",
    "reference_id": "e17a0ac8-6fed-11ea-bc55-0242ac130003",
    "channel_code": "BA_BPI",
    "payment_method_id": "pm-c30d4800-afe4-4e58-ad5f-cc006d169139",
    "currency": "PHP",
    "amount": "1000.00",
    "description": "",
    "status": "PENDING",
    "basket": [],
    "failure_code": "",
    "is_otp_required": true,
    "otp_mobile_number": "+63907XXXX123",
    "otp_expiration_timestamp": "2020-03-26T05:45:06+0800",
    "created": "2020-03-26T05:44:26+0800",
    "updated": "2020-03-26T05:44:46+0800",
    "metadata": {}
}

Parameter	Type	Description
id	string	Unique identifier for the transaction
reference_id	string	Reference ID provided by merchant
channel_code	string	Code identifier for the channel
payment_method_id	string	Payment method ID of end-customer source of funds
currency	string	Currency of the payment
amount	number	Amount to debit from the end-customer’s account
description	string	Description provided by merchant
status	string	Status of the payment
failure_code	string	Reason if direct debit has failed. List of failure codes can be found here
is_otp_required	boolean	The flag for merchant to know OTP is required for the particular direct debit transaction
otp_mobile_number	string	Masked mobile number of the OTP recipient from the channel. Empty string if OTP was not enabled.
otp_expiration_timestamp	string	Timestamp until when the OTP is valid. Empty string if OTP was not enabled.
created	string	Timestamp in ISO 8601 when the request was madeFormat: YYYY-MM-DDTHH:mm:ssZTimezone: UTC+0
updated	string	Timestamp in ISO 8601 when transaction information was updated Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
basket	array	Array of basket objects provided by merchant
metadata	object	Metadata provided by merchant

Validate Payment OTP - Errors

Example Create Payment Error Response

{
    "error_code" : "DUPLICATE_ERROR",
    "message" : "Idempotency key has been used before. Use a unique idempotency key and try again"
}

Error Code	Description
DATA_NOT_FOUND_ERROR 404	Provided direct_debit_id does not exist
INVALID_OTP_ERROR 400	OTP provided is invalid
EXPIRED_OTP_ERROR 400	OTP provided has expired
MAX_OTP_ATTEMPTS_ERROR 400	Payment method reached the channel’s allowed maximum attempts for OTP verification
INSUFFICIENT_BALANCE 400	The source payment method doesn't have enough balance to complete the transaction
ACCOUNT_ACCESS_BLOCKED 400	The source account is blocked and cannot be accessed.
MAX_AMOUNT_LIMIT_ERROR 400	The amount for the transaction exceeds the account's aggregated limits set by the partner bank.
DIRECT_DEBIT_ALREADY_COMPLETED 409	The request is a duplicate of an already processed linked account token that has been successfully completed.
DIRECT_DEBIT_ALREADY_FAILED 409	The request is a duplicate of an already processed linked account token that has failed.

Create Recurring Payment with Direct Debit

Endpoint: Create Recurring Payment

POST https://api.xendit.co/recurring_payments

Recurring payments allow you to use the auto debit feature in direct debit to pull funds from your customers bank account on a scheduled basis.

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Request Parameters

Example: Create Recurring Request

curl https://api.xendit.co/recurring_payments -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   -d external_id=recurring_31451441 \
   -d payment_method_id=pm_testing_id_123\
   -d payer_email=sample_email@xendit.co \
   -d interval=MONTH \
   -d interval_count=1 \
   -d description='Monthly room cleaning service' \
   -d total_recurrence=10\
   -d charge_immediately=true\
   -d invoice_duration=300\
   -d amount=125000

<?php
  require 'vendor/autoload.php';

  $options['secret_api_key'] = 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==';

  $xenditPHPClient = new XenditClient\XenditPHPClient($options);

  $external_id = 'recurring_31451441';
  $amount = 125000;
  $payment_method_id='pm_testing_id_123';
  $payer_email = 'sample_email@xendit.co';
  $interval = 'MONTH';
  $interval_count = 1;
  $description = 'Monthly room cleaning service';
  $total_recurrence=10;
  $charge_immediately=true;
  $invoice_duration=300;

  $response = $xenditPHPClient->createRecurringPayment($external_id, $amount, $payer_email, $interval, $interval_count, $description);
  print_r($response);
?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { RecurringPayment } = x;
const rpSpecificOptions = {};
const rp = new RecurringPayment(rpSpecificOptions);

const resp = await rp.createPayment({
  externalID: 'recurring_31451441',
  amount: 125000,
  payerEmail: 'sample_email@xendit.co',
  interval: RecurringPayment.Interval.Month,
  intervalCount: 1,
  description: 'Monthly room cleaning service',
  payment_method_id: 'pm_testing_id_123',
  total_recurrence: 10,
  charge_immediately: true,
  invoice_duration: 300
});
console.log(resp);

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
RecurringPayment = xendit_instance.RecurringPayment

recurring_payment = RecurringPayment.create_recurring_payment(
    external_id="recurring_12345",
    payer_email="test@x.co",
    description="Test Curring Payment",
    amount=100000,
    interval="MONTH",
    interval_count=1,
    payment_method_id="pm_testing_id_123",
)
print(recurring_payment)

Body Parameter	Type	Description
external_id required	string	ID of your choice (typically the unique identifier of a recurring payment in your system)
payment_method_id optional	string	Fill this with the payment method id created for the customer in create payment method
payer_email required	string	Email of the end user you're charging
description required	string	Description for the recurring payment and invoices
amount required	number	Amount per invoice per interval. The minimum amount to create an invoice is 10.000 IDR. The maximum amount is 1.000.000 IDR for direct debit
interval required	string	One of DAY, WEEK, MONTH. The frequency with which a recurring payment invoice should be billed.
interval_count required	number	The number of intervals (specified in the interval property) between recurring. For example, interval=MONTH and interval_count=3 bills every 3 months.
invoice_duration required	number	Set this value to 300 for direct debit recurring to work. Duration of time that end user have in order to pay the invoice before it's expired (in Second).
total_recurrence optional	number	The number of times you will charge your customer. If you input it as 3, Xendit will charge your customer 3 times. If you input total_recurrence as 3, interval_count as 1 and interval as "DAY", Xendit will charge customer 3 times in first day after you trigger create recurring api, the day after and 2 days after you trigger create recurring api.
should_send_email optional	boolean	Specify should the end user get email when invoice is created, paid, or expired; or not default: false
missed_payment_action optional	string	One of IGNORE, STOP. If there is an invoice from a recurring payment that expired, IGNORE will continue with the recurring payment as usual. STOP will stop the recurring payment. default: IGNORE
start_date optional	string (ISO 8601)	time when the first invoice will be issued. When left blank, the invoice will be created immediately
charge_immediately optional	boolean	Specify should the first invoice created immediately when creating recurring payment with a valid start_date, The next invoice will be created at start_date and the calculation for the following recurring invoice will be at interval*interval_count + start_date

Response Parameters

Example: Create Recurring Response

{
    "id": "579c8d61f23fa4ca35e52da3",
    "user_id": "5781d19b2e2385880609791c",
    "external_id": "recurring_31451441",
    "status": "ACTIVE",
    "amount": 125000,
    "payer_email": "sample_email@xendit.co",
    "description": "Monthly room cleaning service",
    "interval": "MONTH",
    "interval_count": 1,
    "recurrence_progress": 1,
    "should_send_email": false,
    "missed_payment_action": "IGNORE",
    "last_created_invoice_url": "https://invoice-staging.xendit.co/web/invoices/5dddeea6bdb99f4b23e5eef7",
    "created": "2017-06-12T14:00:00.306Z",
    "updated": "2017-06-12T14:00:00.306Z",
    "start_date": "2017-07-12T14:00:00.306Z",
    "recharge": true,
    "payment_method_id": "pm_testing_id_123"
}

Parameter	Type	Description
id	string	An recurring ID generated by Xendit
user_id	string	Your Xendit Business ID
external_id	string	The recurring ID in your server, that can be used to reconcile between you and Xendit
status	string	ACTIVE the recurring payment is currently active STOPPED the recurring payment has been stopped PAUSED the recurring payment is currently paused and will not automatically creating invoices. resume to reactivate
amount	number	Nominal amount of the recurring payment in IDR
payer_email	string	Email of the payer, we get this information from your API call
description	string	Description for the recurring payment and invoices
should_send_email	boolean	A flag showing should payer get email when invoice is created, paid, or expired; or not
interval	string	One of DAY, WEEK, MONTH. The frequency with which a recurring payment invoice should be billed.
interval_count	number	The number of intervals (specified in the interval property) between recurring. For example, interval=MONTH and interval_count=3 bills every 3 months.
recurrence_progress	number	The current cycle of recurring payment. If your end customer is on the 4th cycle of the recurring, you will get 4 from recurrence_progress response
last_created_invoice_url	string	url leading to the last invoice create by this recurring payment
invoice_duration	number	Ensure that this value is 300duration of time that end user have in order to pay the invoice before it's expired (in Second).
created	string (ISO 8601)	An ISO timestamp that tracks when the recurring payment was created. Timezone is UTC+0
updated	string (ISO 8601)	An ISO timestamp that tracks when the recurring payment was updated. Timezone is UTC+0
charge_immediately optional	boolean	A flag showing should the first invoice created immediately when creating recurring payment with a valid start_date
recharge	boolean	This parameter will be true for direct debit payments.
payment_method_id	string	the payment_method_id assigned to this recurring payment

Error Codes

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation The errors field contains details about which fields are violating validation
INVALID_JSON_FORMAT 400	The request body is not a valid JSON format
INVALID_PAYMENT_METHOD_ID_ERROR 400	Payment method id is invalid
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here

Other Recurring Operations

For post recurring payment creation operations like get, edit, pause, resume, stop - refer to recurring payments

List Payment Methods

This endpoint returns an array of payment methods that are linked to the provided customer_id

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Endpoint: Get Payment Methods by Customer ID

GET https://api.xendit.co/payment_methods?customer_id={customer_id}

Get Payment Methods by Customer ID - Request

Example Get Payment Methods by Customer ID Request

curl https://api.xendit.co/payment_methods?customer_id=ba830b92-4177-476e-b097-2ad5ae4d3e55 -X GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: 

<?php
  $url = "https://api.xendit.co/payment_methods";
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = [];
  $headers[] = "Content-Type: application/json";

  $queryString = "?customer_id=ba830b92-4177-476e-b097-2ad5ae4d3e55";

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url.$queryString);
  curl_setopt($curl, CURLOPT_CUSTOMREQUEST, "GET");
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { DirectDebit } = x;
const directDebitSpecificOptions = {};
const dd = new DirectDebit(directDebitSpecificOptions);

const resp = await dd.getPaymentMethodsByCustomerID({
  customerID: 'ba830b92-4177-476e-b097-2ad5ae4d3e55',
});
console.log(resp);

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
DirectDebit = xendit_instance.DirectDebit

payment_methods = DirectDebit.get_payment_methods_by_customer_id(
    customer_id="ed20b5db-df04-41fc-8018-8ea4ac4d1030",
)

print(payment_methods)

Query String Parameter	Type	Description
customer_id required	string	Customer object ID of interest

Get Payment Methods by Customer ID - Response

This endpoint returns an array of matching objects with the following properties:

Example Get Payment Methods by Customer ID Success Response

[{    
    "id": "pm-c30d4800-afe4-4e58-ad5f-cc006d169139",
    "type": "DEBIT_CARD",
    "properties": {
        "id": "la-aa620619-124f-41db-995b-66a52abe036a",
        "channel_code": "DC_BRI",
        "currency": "IDR",
        "card_last_four": "1234",
        "card_expiry": "06/24",
        "description": null,
    },
    "customer_id": "ba830b92-4177-476e-b097-2ad5ae4d3e55",
    "status": "ACTIVE",
    "created": "2020-03-19T05:34:55+0800",
    "updated": "2020-03-19T05:24:55+0800",
    "metadata": null  
}]

Parameter	Type	Description
id	string	Unique identifier for the payment method. This has a prefix of pm-.
type	string	Type of account that has been linked. For BRI, BCA OneKlik: DEBIT_CARD For BCA KlikPay: BANK_REDIRECT For BPI, Unionbank: BANK_ACCOUNT
properties	object	Object containing information regarding the account. The values inside properties change based on the type of account: For BRI: Key Value channel_code Identifier for the specific channel of the account to be linked. Code must be in uppercase. Supported banks and their respective channel codes: Bank BRI (ID) - DC_BRI card_last_four stringLast four digits of the debit card card_expiry stringExpiry month and year of the debit card (in MM/YY format) currency stringCurrency of the account in ISO 4217 description stringDescription of the account (provided by the bank) For BCA OneKlik: Key Value channel_code Identifier for the specific channel of the account to be linked. Code must be in uppercase. Supported banks and their respective channel codes: BCA OneKlik (ID) - BCA_ONEKLIK account_mobile_number stringMobile number of the end-customer registered to the partner channel card_last_four stringLast four digits of the debit card card_expiry stringExpiry month and year of the debit card (in MM/YY format) currency stringCurrency of the account in ISO 4217 description stringDescription of the account (provided by the bank) For type BCA KlikPay: Key Value channel_code Identifier for the specific channel of the account to be linked. Code must be in uppercase. Supported banks and their respective channel codes: BCA KlikPay (PH) - BCA_KLIKPAY For type BPI, Unionbank: Key Value channel_code Identifier for the specific channel of the account to be linked. Code must be in uppercase. Supported banks and their respective channel codes: Bank of the Philippine Islands (PH) - BA_BPI Unionbank (PH) - BA_UBP account_details stringMasked account details as provided by the bank. Used for displaying a portion of the account number. account_hash stringUnique hash for the specific account. This does not change across different authorizations or integrations. account_type stringType of bank account (provided by the bank) currency stringCurrency of the account in ISO 4217 description stringDescription of the account (provided by the bank)
customer_id	string	ID of the customer object in which this payment method is linked to
status required	string	Status of the payment method. Will be equal to ACTIVE upon creation.
created	string	Timestamp in ISO 8601 when the request was made Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
updated	string	Timestamp in ISO 8601 when transaction information was updated Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
metadata	object	A free-format JSON for additional information that you provded during request.

Get Payment Methods by Customer ID - Errors

See other common errors here.

Get Payment by ID

Retrieve the details of a direct debit payment by Xendit transaction ID

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Endpoint: Get Payment Status by ID

GET https://api.xendit.co/direct_debits/:direct_debit_id/

Get Payment Status by ID - Request

Example Payment Status by ID Request

curl https://api.xendit.co/direct_debits/ddpy-623dca10-5dad-4916-test/ -X GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: 

<?php
  $direct_debit_id = "ddpy-623dca10-5dad-4916-test";
  $url = "https://api.xendit.co/direct_debits/" . $direct_debit_id . "/";
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = [];
  $headers[] = "Content-Type: application/json";

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_POST, true);
  curl_setopt($curl, CURLOPT_POSTFIELDS, $payload);
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { DirectDebit } = x;
const directDebitSpecificOptions = {};
const dd = new DirectDebit(directDebitSpecificOptions);

const resp = await dd.getDirectDebitPaymentStatusByID({
  directDebitID: 'ddpy-623dca10-5dad-4916-test',
});
console.log(resp);

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
DirectDebit = xendit_instance.DirectDebit

payment = DirectDebit.get_payment_status(
    direct_debit_id="ddpy-38ef50a8-00f0-4019-8b28-9bca81f2cbf1",
)

print(payment)

Path Parameter	Type	Description
direct_debit_id required	string	Xendit identifier for specified direct debit transaction

Get Payment Status by ID - Response

Example Get Payment Status by ID Success Response

{
    "id": "ddpy-623dca10-5dad-4916-b14d-81aaa76b5d14",
    "reference_id": "e17a0ac8-6fed-11ea-bc55-0242ac130003",
    "channel_code": "DC_BRI",
    "payment_method_id": "pm-c30d4800-afe4-4e58-ad5f-cc006d169139",
    "currency": "IDR",
    "amount": "10000",
    "description": "",
    "status": "PENDING",
    "basket": [],
    "failure_code": "",
    "is_otp_required": true,
    "otp_mobile_number": "",
    "otp_expiration_timestamp": "",
    "created": "2020-03-26T05:44:26+0800",
    "updated": "",
    "metadata": {}
}

Parameter	Type	Description
id	string	Unique identifier for the transaction
reference_id	string	Reference ID provided by merchant
channel_code	string	Code identifier for the channel
payment_method_id	string	Payment method ID of end-customer source of funds
currency	string	Currency of the payment
amount	number	Amount to debit from the end-customer’s account
description	string	Description provided by merchant
status	string	Status of the payment
failure_code	string	Reason if direct debit has failed. List of failure codes can be found here
is_otp_required	boolean	The flag for merchant to know whether OTP is required for the particular direct debit transaction
otp_mobile_number	string	Masked mobile number of the OTP recipient from the channel. Empty string if OTP was not enabled.
otp_expiration_timestamp	string	Timestamp until when the OTP is valid. Empty string if OTP was not enabled.
created	string	Timestamp in ISO 8601 when the request was madeFormat: YYYY-MM-DDTHH:mm:ssZTimezone: UTC+0
updated	string	Timestamp in ISO 8601 when transaction information was updated Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
basket	array	Array of basket objects provided by merchant
metadata	object	Metadata provided by merchant

Get Payment by Reference ID

Retrieve the details of a direct debit payment by merchant provided transaction ID

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Endpoint: Get Payment Status by Reference ID

POST https://api.xendit.co/direct_debits?reference_id={reference_id}

Get Payment Status by Reference ID - Request

Example Payment Status by Reference ID Request

curl https://api.xendit.co/direct_debits?reference_id=test_merchant_reference_id/ -X GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: 

<?php
  $url = "https://api.xendit.co/direct_debits/";
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = [];
  $headers[] = "Content-Type: application/json";

  $queryString = "?reference_id=test_merchant_reference_id";

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url.$queryString);
  curl_setopt($curl, CURLOPT_CUSTOMREQUEST, "GET");
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

const x = new require("xendit-node")({
  secretKey:
    "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==",
});

const { DirectDebit } = x;
const directDebitSpecificOptions = {};
const dd = new DirectDebit(directDebitSpecificOptions);

const resp = await dd.getDirectDebitPaymentStatusByReferenceID({
  referenceID: 'test_merchant_reference_id',
});
console.log(resp);

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
DirectDebit = xendit_instance.DirectDebit

payments = DirectDebit.get_payment_status_by_ref_id(
    reference_id="direct-debit-ref-1594717458",
)

print(payments)

Query String Parameter	Type	Description
reference_id required	string	Merchant provided identifier for specified direct debit transaction

Get Payment Status by ID - Response

Example Get Payment Status by ID Success Response

{
    "id": "ddpy-623dca10-5dad-4916-b14d-81aaa76b5d14",
    "reference_id": "e17a0ac8-6fed-11ea-bc55-0242ac130003",
    "channel_code": "DC_BRI",
    "payment_method_id": "pm-c30d4800-afe4-4e58-ad5f-cc006d169139",
    "currency": "IDR",
    "amount": "10000",
    "description": "",
    "status": "PENDING",
    "basket": [],
    "failure_code": "",
    "is_otp_required": true,
    "otp_mobile_number": "",
    "otp_expiration_timestamp": "",
    "created": "2020-03-26T05:44:26+0800",
    "updated": "",
    "metadata": {}
}

Parameter	Type	Description
id	string	Unique identifier for the transaction
reference_id	string	Reference ID provided by merchant
channel_code	string	Code identifier for the channel
payment_method_id	string	Payment method ID of end-customer source of funds
currency	string	Currency of the payment
amount	number	Amount to debit from the end-customer’s account
description	string	Description provided by merchant
status	string	Status of the payment
failure_code	string	Reason if direct debit has failed. List of failure codes can be found here
is_otp_required	boolean	The flag for merchant to know whether OTP is required for the particular direct debit transaction
otp_mobile_number	string	Masked mobile number of the OTP recipient from the channel. Empty string if OTP was not enabled.
otp_expiration_timestamp	string	Timestamp until when the OTP is valid. Empty string if OTP was not enabled.
created	string	Timestamp in ISO 8601 when the request was madeFormat: YYYY-MM-DDTHH:mm:ssZTimezone: UTC+0
updated	string	Timestamp in ISO 8601 when transaction information was updated Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
basket	array	Array of basket objects provided by merchant
metadata	object	Metadata provided by merchant

Refund Object

Refund API allows you to fully or partially refund a successfully completed direct debit payment. It is possible to do multiple refunds for a single transaction as long as the amount does not exceed the original transaction amount.

A callback will be sent when a refund has been determined to have succeeded or failed.

Note: Transaction fees will not be refunded.

Example Refund a Direct Debit Payment Success Response

{
    "id": "ddrfd-c3970211-f73a-49c4-a3e5-7e93ea49b85f",
    "direct_debit_id": "ddpy-623dca10-5dad-4916-b14d-81aaa76b5d14",
    "channel_code": "DC_BRI",
    "currency": "IDR",
    "amount": "1500",
    "status": "PENDING",
    "reason": "REQUESTED_BY_CUSTOMER",
    "failure_code": null,
    "created": "2020-03-26T05:44:26+0800",
    "updated": null,
    "metadata": null
}

Parameter	Type	Description
id	string	Unique identifier for the refund. Starts with ddrfd-
direct_debit_id	string	ID of the original payment transaction.
channel_code	string	Code identifier for the channel
currency	string	Currency of the refund in ISO4217 format
amount	string	Amount to be refunded
status	string	Status of the refund - PENDING, COMPLETED, FAILED
reason	string	Reason why refund was made Possible values: FRAUDULENT DUPLICATE REQUESTED_BY_CUSTOMER CANCELLATION OTHER
failure_code	string	Contains an error code if refund fails. null by default. See possible failure codes here.
created	string	Timestamp in ISO 8601 when transaction information was updated Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
updated	string	Timestamp in ISO 8601 when transaction information was updated Format: YYYY-MM-DDTHH:mm:ssZ Timezone: UTC+0
metadata	object	Metadata provided by merchant

Refund a Direct Debit Payment - Failure Codes

Failure Code	Description
REFUND_FAILED	The bank was unable to process the refund successfully
ACCOUNT_ACCESS_BLOCKED	Access to the bank account has been blocked by the bank. The bank account may be frozen, closed, or blocked.
ACCOUNT_NOT_FOUND	Refund failed because bank account find the bank account
INSUFFICIENT_BALANCE	Source bank account does not have enough balance to perform a refund.

Create Refund

Endpoint: Refund a Direct Debit Payment

POST https://api.xendit.co/direct_debits/:direct_debit_id/refunds

Request Parameters

Example Refund a Direct Debit Payment Request

curl https://api.xendit.co/direct_debits/ddpy-623dca10-5dad-4916-b14d-81aaa76b5d14/refunds -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   -H 'Content-Type: application/json' \
   -H 'Idempotency-key: Test_Idempotent_Key'\
   --data-raw '{
    "currency": "IDR",
    "amount": 1500,
    "reason": "REQUESTED_BY_CUSTOMER"
}'

<?php
  $url = "https://api.xendit.co/direct_debits/ddpy-623dca10-5dad-4916-b14d-81aaa76b5d14/refunds";
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = $headers = [
    "Content-Type : application/json",
    "Idempotency-key: Test_Idempotent_Key",
    ];
  $data = [
    "currency" => "IDR",
    "amount" => 1500,
    "reason" => "REQUESTED_BY_CUSTOMER",
    ];

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_POST, true);
  curl_setopt($curl, CURLOPT_POSTFIELDS, $payload);
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

Path Parameter	Type	Description
direct_debit_id required	string	Xendit identifier for specified direct debit transaction

Header Parameter	Type	Description
Idempotency-key required	string	Provided by the merchant to prevent duplicate requests. May be equal to any GUID. Note: Max 100 characters
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Request Body Parameter	Type	Description
amount required	number	Amount to be refunded If none is provided, it will default to the maximum possible amount to be refunded
reason required	string	Reason why refund is made Accepted values: FRAUDULENT DUPLICATE REQUESTED_BY_CUSTOMER CANCELLATION OTHER
currency optional	string	Currency of the refund. Should be in ISO4217 format. If none is provided, it will follow the currency of the direct debit transaction. Only supports IDR
metadata optional	object	Object of additional information the user may use. User defines the JSON properties and values. You can specify up to 50 keys, with key names up to 40 characters long and values up to 500 characters long

Response Parameters

Returns Refund Object with status code 200

Errors

Example Refund a Direct Debit Payment Error Response

{
    "error_code" : "IDEMPOTENCY_ERROR",
    "message" : "Idempotency key has been used before. Use a unique idempotency key and try again"
}

Error Code	Description
IDEMPOTENCY_ERROR 409	Provided Idempotency-key already exists but the request body provided does not match the original request
DATA_NOT_FOUND 404	We couldn’t find a valid payment matching the payment id given.
MAXIMUM_REFUND_AMOUNT_REACHED 400	The refund amount you have entered is greater than the refundable amount.
REFUND_NOT_SUPPORTED 400	Refund request failed because refunds are not supported by the channel.
INELIGIBLE_TRANSACTION 400	Refund request failed because the original transaction was not completed successfully or the refund period has passed.
PARTIAL_REFUND_NOT_SUPPORTED 400	Refund request failed because partial refunds are not supported by the channel
INSUFFICIENT_BALANCE 400	Xendit balance is not enough to perform a refund

Get Refund by ID

You may use this endpoint to retrieve information regarding a specific refund request by its refund ID.

Endpoint: Get Direct Debit Refund by ID

GET https://api.xendit.co/direct_debits/:direct_debit_id/refunds/:refund_id

Request Parameters

Example Get Direct Debit Refund by ID Request

curl https://api.xendit.co/direct_debits/ddpy-623dca10-5dad-4916-b14d-81aaa76b5d14/refunds/ddrfd-c3970211-f73a-49c4-a3e5-7e93ea49b85f -X GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:
}'

<?php
  $direct_debit_id = "ddpy-623dca10-5dad-4916-test";
  $refund_id = "ddrfd-c3970211-f73a-49c4-a3e5-7e93ea49b85f";
  $url = "https://api.xendit.co/direct_debits/" . $direct_debit_id . "/refunds" . $refund_id;
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = [];
  $headers[] = "Content-Type: application/json";

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_POST, true);
  curl_setopt($curl, CURLOPT_POSTFIELDS, $payload);
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

Path Parameter	Type	Description
direct_debit_id required	string	Xendit identifier for specified direct debit transaction. Starts with ddpy-.
refund_id required	string	Unique identifier for the refund generated by Xendit. Starts with ddrfd-.

Response Parameters

Returns Refund Object with status code 200

Errors

Example Get Direct Debit Refund by ID Error Response

{
    "error_code" : "DATA_NOT_FOUND",
    "message" : "We couldn’t find a valid payment matching the payment id given."
}

Error Code	Description
DATA_NOT_FOUND 404	We couldn’t find a valid payment matching the payment id given.

List Refunds

You may use this endpoint to retrieve all associated refund requests for a specific direct debit payment.

Endpoint: List Refunds by Direct Debit ID

GET https://api.xendit.co/direct_debits/:direct_debit_id/refunds

Request Parameters

Example List Refunds by Direct Debit ID Request

curl https://api.xendit.co/direct_debits/ddpy-623dca10-5dad-4916-b14d-81aaa76b5d14/refunds -X GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:
}'

<?php
  $direct_debit_id = "ddpy-623dca10-5dad-4916-test";
  $url = "https://api.xendit.co/direct_debits/" . $direct_debit_id . "/refunds";
  $apiKey = "xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:";
  $headers = [];
  $headers[] = "Content-Type: application/json";

  $curl = curl_init();

  $payload = json_encode($data);
  curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($curl, CURLOPT_USERPWD, $apiKey.":");
  curl_setopt($curl, CURLOPT_URL, $url);
  curl_setopt($curl, CURLOPT_POST, true);
  curl_setopt($curl, CURLOPT_POSTFIELDS, $payload);
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = curl_exec($curl);
  echo $result;

Path Parameter	Type	Description
direct_debit_id required	string	Xendit identifier for specified direct debit transaction. Starts with ddpy-.

List Refunds by Direct Debit ID - Response

Example List Refunds by Direct Debit ID Success Response

[
    {
        "data": [
            {
                "id": "ddrfd-c3970211-f73a-49c4-a3e5-7e93ea49b85f",
                "direct_debit_id": "ddpy-623dca10-5dad-4916-b14d-81aaa76b5d14",
                "channel_code": "DC_BRI",
                "currency": "IDR",
                "amount": "1500",
                "status": "PENDING",
                "failure_code": null,
                "reason": "REQUESTED_BY_CUSTOMER",
                "created": "2020-03-26T05:44:26+0800",
                "updated": null,
                "metadata": null
            }
        ],
        "has_more": false,
        "links": null
    }
]

Parameter	Type	Description
data	array	Array containing refund object that matches the query provided
has_more	boolean	Indicates whether there are more items to be queried with last_id of the last item from the current result.
links	object	Array of objects containing target links to access the rest of the data. Will be null if there is no further data available. Each object will have the following properties: Parameter Description href string Representation of link that contains the next set of data ref string The link relation type describes how the current data is related to the target href. Only next is supported. method string HTTP method to be used to call the href. Only GET is supported.

List Refunds by Direct Debit ID - Errors

Example List Refunds by Direct Debit ID Error Response

{
    "error_code" : "DATA_NOT_FOUND",
    "message" : "We couldn’t find a valid payment matching the payment id given."
}

Error Code	Description
DATA_NOT_FOUND 404	We couldn’t find a valid payment matching the payment id given.

Callback Notifications

In our direct debit flow, there are up to 2 types of callbacks that could be sent. We will send callback to your system during Linked Account Tokenization and Direct Debit Payment process. Merchants need to set up URL to receive callback notifications from our system.

Linked Account Tokenization Callback

Linked Account Tokenization callback is only supported for BPI, Unionbank, and BCA OneKlik. Merchants can skip this flow if they are only integrating for BRI Direct Debit.

Example: Linked Account Tokenization Callback Payload (BCA OneKlik)

{
    "event": "linked_account_token.successful",
    "timestamp": "2020-03-19T05:34:55+0800",
    "id": "lat-aa620619-4177-476e-b097-2ad5ae4d3e55",
    "channel_code": "BCA_ONEKLIK",
    "type": "DEBIT_CARD",
    "accounts": [
        {
            "id": "la-aa620619-124f-41db-995b-66a52abe036a",
            "card_last_four": "1234",
            "card_expiry": "06/24",
            "account_mobile_number": "+62818555988",
            "currency": "IDR",
            "description": null
        }
    ]
}

Example: Linked Account Tokenization Callback Payload (BPI)

{
    "event": "linked_account_token.successful",
    "timestamp": "2020-03-27T05:45:06+0800",
    "id": "lat-aa620619-124f-41db-995b-66a52abe036a",
    "channel_code": "BA_BPI",
    "type": "BANK_ACCOUNT",
    "accounts": [
        {
            "id": "la-7f2bc3ad-8049-42ff-8b57-6578088e9641",
            "account_details": "XXXXXXX123",
            "account_hash": "5789fb5c4b051701928af5ac268c8178",
            "currency": "PHP",
            "account_type": "SAVINGS",
            "description": null
        }
    ]
}

Parameter	Type	Description
event	string	Identifier of the event - "linked_account_token.successful"
timestamp	string	ISO 8601 timestamp of the event. Timezone is UTC+0
id	string	Unique identifier for the Linked Account Tokenization. This has a prefix of lat-.
channel_code	string	Code identifier for the channel
type	string	Payment method type. Possible values: DEBIT_CARD, BANK_ACCOUNT
accounts	array	An array of objects containing bank account informations linked to the authorization. For BCA OneKlik: Key Value id string Unique identifier for bank account specific to this object. This has a prefix of la-. card_last_four string Last four digits of the linked debit card card_expiry string Will be null for BCA OneKlik account_mobile_number string Masked mobile number registered with the bank. currency string Currency of the account in ISO 4217 description string Description of the account (provided by the bank) For BPI and Unionbank: Key Value id string Unique identifier for bank account specific to this object. This has a prefix of la-. account_details string Masked account details as provided by the bank. Used for displaying a portion of the account number. account_hash string Unique hash for the specific account. This does not change across different authorizations or integrations, providing a consistent reference to end user bank account through rounds of renewal. currency string Currency of the account in ISO 4217 account_type string Type of bank account (provided by the bank) description string Description of the account (provided by the bank)

Expiring Payment Method Callback

This callback will be sent if the currently linked payment method object is discovered to be invalidated in 7 days. When received, you may notify your user to relink. This is only supported for BPI and Unionbank.

Example: Expiring Payment Method Callback

{
    "event": "payment_method.expiry.expiring",
    "timestamp": "2020-03-26T05:44:26+0800",
    "id": "pm-c30d4800-afe4-4e58-ad5f-cc006d169139",
    "channel_code": "BA_BPI",
    "customer_id": "e17a0ac8-6fed-11ea-bc55-0242ac130003",
    "expiration_timestamp": "2021-03-26T05:44:26+0800",
    "business_id": "5f21361959ef2b788cbbe97f"
}

Parameter	Type	Description
event	string	Identifier of the event - payment_method.expiry.expiring
timestamp	string	ISO 8601 timestamp of the event. Timezone is UTC+0
id	string	Unique identifier for the transaction. Will have pm- as prefix.
channel_code	string	Code identifier for the channel
expiration_timestamp	string	ISO 8601 timestamp of when the payment method will be expired.
customer_id	string	ID of the customer object that owns the payment method object
business_id	string	Xendit-internal business ID identifying the merchant

Expired Payment Method Callback

This will be sent when a specific payment method has expired or has been invalidated. You may use this to notify your customers to relink. This feature is only supported for BPI and Unionbank.

Example: Expired Payment Method Callback

{
    "event": "payment_method.expiry.expired",
    "timestamp": "2020-03-26T05:44:26+0800",
    "id": "pm-c30d4800-afe4-4e58-ad5f-cc006d169139",
    "customer_id": "e17a0ac8-6fed-11ea-bc55-0242ac130003",
    "business_id": "5f21361959ef2b788cbbe97f"
}

Parameter	Type	Description
event	string	Identifier of the event - payment_method.expiry.expired
timestamp	string	ISO 8601 timestamp of the event. Timezone is UTC+0
id	string	Unique identifier for the transaction. Will have pm- as prefix.
customer_id	string	ID of the customer object that owns the payment method object
business_id	string	Xendit-internal business ID identifying the merchant

Direct Debit Payment Callback

Example: Direct Debit Payment Callback

{
    "event": "direct_debit.payment",
    "timestamp": "2020-03-26T05:44:26+0800",
    "id": "ddpy-623dca10-5dad-4916-b14d-81aaa76b5d14",
    "reference_id": "e17a0ac8-6fed-11ea-bc55-0242ac130003",
    "channel_code": "BA_BPI",
    "payment_method_id": "pm-c30d4800-afe4-4e58-ad5f-cc006d169139",
    "currency": "PHP",
    "amount": "1000.00",
    "description": null,
    "status": "COMPLETED",
    "failure_code": null,
    "metadata": null
}

Parameter	Type	Description
event	string	Identifier of the event - "direct_debit.payment"
timestamp	string	ISO 8601 timestamp of the event. Timezone is UTC+0
id	string	Unique identifier for the transaction
reference_id	string	Reference ID provided by merchant
channel_code	string	Code identifier for the channel
payment_method_id	string	Payment method ID of end-customer source of funds
currency	string	Currency of the payment
amount	number	Amount to debited from the end-customer’s account
description	string	Description provided by merchant
status	string	Status of the payment - PENDING, COMPLETED, FAILED
failure_code	string	Reason if direct debit has failed. List of failure codes can be found here
metadata	object	Metadata provided by merchant

Payment Failure Reasons

Example: Payment Status Failure Examples

{
    "event": "direct_debit.payment",
    "timestamp": "2020-03-26T05:44:26+0800",
    "id": "ddpy-623dca10-5dad-4916-b14d-81aaa76b5d14",
    "reference_id": "e17a0ac8-6fed-11ea-bc55-0242ac130003",
    "channel_code": "BA_BPI",
    "payment_method_id": "pm-c30d4800-afe4-4e58-ad5f-cc006d169139",
    "currency": "PHP",
    "amount": 1000.00,
    "description": "",
    "status": "FAILED",
    "failure_code": "INSUFFICIENT_BALANCE",
    "metadata": {}
}

Failure Code	Description
MAX_AMOUNT_LIMIT_ERROR	End customer's daily limit has been reached, unable to process debit request. End user required to increase daily limit or retry another day
INSUFFICIENT_BALANCE	End customer has insufficient balance, unable to process debit request. End user required to top up balance
CHANNEL_UNAVAILABLE	Bank service for direct debit is currently unavailable, unable to process debit request.
ACCOUNT_ACCESS_BLOCKED	End customer bank account has been blocked, end user should contact the bank for resolution.
MAX_OTP_ATTEMPTS_ERROR	The transaction has been failed because the maximum attempts for validating the OTP has been reached.
INVALID_PAYMENT_METHOD_ERROR	The payment_method_id provided either does not exist or has already expired.
SERVER_ERROR	There was an unexpected error while processing with the bank.

Recurring Payment Callback

{
  "id": "5ebd6test32631dda4ef73",
  "external_id": "testing_123_123-1589472179990",
  "user_id": "5ebd26b7da0bf912db2fc716",
  "is_high": false,
  "payment_method": "DIRECT_DEBIT",
  "status": "PAID",
  "merchant_name": "Live Validation Test 2",
  "amount": 15000,
  "paid_amount": 15000,
  "paid_at": "2020-05-14T16:03:00.504Z",
  "payer_email": "test@xendit.co",
  "description": "description",
  "adjusted_received_amount": 15000,
  "fees_paid_amount": 0,
  "created": "2020-05-14T16:03:00.154Z",
  "updated": "2020-05-14T16:03:02.765Z",
  "recurring_payment_id": "5ebd6bb37d674631dda4ef72",
  "currency": "IDR",
  "payment_channel": "DC_BRI"
}

Parameter	Type	Description
id	string	An invoice ID generated by Xendit
user_id	string	Your Xendit Business ID
external_id	string	The reference ID used to generate the recurring payment. This can be used to reconcile between you and Xendit
is_high (DEPRECATED)	boolean	Should unique numbers go above or below the amount.
merchant_name	string	The name of your company or website
amount	number	Nominal amount for the invoice (without taxes, fees)
status	string	PAID the recurring direct debit has successfully been paid or EXPIRED the recurring direct debit has failed
payer_email	string	Email of the payer, we get this information from your API call
description	string	Description for the invoice, we get this information from your API call
fees_paid_amount	number	Xendit fees that was directly paid from this invoice - thanks for supporting a better world of payments :)
adjusted_received_amount	number	Amount attributable to you net of our fees.
recurring_payment_id	string	ID of the recurring that created this invoice
paid_amount	number	Total amount paid for the invoice
updated	string (ISO 8601)	An ISO timestamp that tracks when the invoice was updated. Timezone is UTC+0
created	string (ISO 8601)	An ISO timestamp that tracks when the invoice was created. Timezone is UTC+0
currency	string (ISO 4217)	Currency of the amount that you created.
paid_at	string (ISO 8601)	Date time data when your customer pay the invoice. You will get this response when your invoice is paid
payment_method	string	Payment method that is used when a customer pays the invoice. You will get this response when your invoice is paid - DIRECT_DEBIT
payment_channel	string	The payment channel used when a customer pays the invoice. You will get this response when your invoice is paid Example : DC_BRI

Direct Debit Refund Callback

Example: Direct Debit Refund Callback

{
    "event": "“direct_debit.refund",
    "created": "2020-03-26T05:44:26+0800",
    "business_id": "5f21361959ef2b788cbbe97f",
    "data": {
        "id": "ddrfd-c3970211-f73a-49c4-a3e5-7e93ea49b85f",
        "direct_debit_id": "ddpy-623dca10-5dad-4916-b14d-81aaa76b5d14",
        "channel_code": "DC_BRI",
        "currency": "IDR",
        "amount": "1500",
        "status": "COMPLETED",
        "failure_code": null,
        "reason": "REQUESTED_BY_CUSTOMER",
        "created": "2020-03-26T05:44:26+0800",
        "updated": null,
        "metadata": null
    }
}

Parameter	Type	Description
event	string	Identifier of the event - "direct_debit.refund"
created	string	ISO 8601 timestamp of when the event was created. Timezone is UTC+0
busines_id	string	Xendit-internal business ID identifying the merchant
data	object	Returns Refund Object with status COMPLETED or FAILED

Virtual Accounts

Virtual Accounts are virtual bank accounts that can be created and assigned to your customers and act as medium to receive payments where your customers will pay via Bank Transfer.

You have 2 environments to try and use Virtual Account APIs: TEST mode and LIVE mode. In TEST mode, Virtual Account is ready and available for you to integrate. For LIVE mode, activate Virtual Account in Dashboard to start using your preferred Virtual Account. Read more about virtual accounts.

Looking for your virtual accounts to be tied to a transaction rather than a user? Use our invoices API.

Virtual Account Object

Example of Virtual Account Object

{
  "id": "57f6fbf26b9f064272622aa6",
  "external_id": "va-1475804036622",
  "owner_id": "57b4e5181473eeb61c11f9b9",
  "bank_code": "BRI",
  "merchant_code": "26215",
  "account_number": "262159939380502",
  "name": "Michael Chen",
  "currency": "IDR",
  "is_single_use": true,
  "is_closed": true,
  "expected_amount": 50000,
  "suggested_amount": 50000,
  "expiration_date": "2021-09-27T17:00:00.000Z",
  "description": "Utensils Payment 27 September 2021",
  "status": "PENDING"
}

Parameter	Type	Description
id required	string	Unique Xendit ID for the Virtual Account. Use this ID for support escalation and reconciliation. Can be used to link VA to Invoice using create Invoices API
external_id required	string	An ID of your choice which you provided upon request
owner_id required	string	Your Xendit Business ID
bank_code required	string	Bank code for the relevant bank, Available values: MANDIRI, BNI, BNI_SYARIAH, BRI, PERMATA, BCA, SAHABAT_SAMPOERNA
merchant_code required	string	Prefix for the Virtual Account. This is Xendit's merchant code for aggregator model or your merchant code retrieved from bank for switcher model. Learn more about Virtual Account models here
account_number required	string	Complete Virtual Account number (including merchant code as prefix). This is what a user will use to pay Virtual Account
name required	string	Name for the Virtual Account
currency required	string	The currency in which the Virtual Account operates. Available for API version 2018-12-21
is_single_use required	boolean	There are 2 types of Virtual Account: Single-use Virtual Account will be inactive automatically upon successful payment. Multiple-use Virtual Account (is_single_use: false) remain active upon successful payment and can continue to receive payments using the same Virtual Account
is_closed required	boolean	There are 2 types of Virtual Account amount: open or closed amount Open amount means your customer can pay any amount to the Virtual Account Closed amount means your customer can only pay amount specified by you. Payment will be rejected if attempted payment amount deviates from the amount you specified. Specify the amount using expected_amount parameter below
expected_amount optional	number	Required amount to be paid by your customer for closed Virtual Account
suggested_amount optional	number	Suggested amount for the Virtual Account. Only supported for Mandiri and BRI Virtual Account
expiration_date optional	string	ISO8601 timestamp of Virtual Account expiration time. Timezone UTC+0
description optional	string	Description of the Virtual Account that will be displayed in payment interface. Only supported for BRI Virtual Account
status required	string	Status of Virtual Account that defines if it’s PENDING, INACTIVE, or ACTIVE Status is PENDING if Virtual Account creation request has been sent and request is being processed by the bank Status is INACTIVE either the single use Virtual Account has been paid or already expired If status is ACTIVE the Virtual Account is ready to be used by the end user

Virtual Account Payment Object

Example Virtual Account Payment Object

{
    "id": "598d91b1191029596846047f",
    "payment_id": "5f218745736e619164dc8608",
    "callback_virtual_account_id": "598d5f71bf64853820c49a18",
    "external_id": "demo-1502437214715",
    "bank_code": "BNI",
    "merchant_code": "8808",
    "account_number": "8808999939380502",
    "amount": 50000,
    "transaction_timestamp": "2021-07-24T05:22:55.115Z",
    "sender_name": "Michael Chen"
}

Parameter	Type	Description
id required	string	ID of the Virtual Account Payment. Use this ID for support escalation and reconciliation
payment_id required	string	Our internal system’s payment ID
callback_virtual_account_id required	string	ID of the Virtual Account that was paid
external_id required	string	External ID of the Virtual Account
bank_code required	string	Bank code of the Virtual Account
merchant_code required	string	Virtual Account merchant code identified via the first 4-5 digits of Virtual Account number
account_number required	string	Virtual Account number
amount required	integer positive	Amount that was paid to the Virtual Account
transaction_timestamp required	string	Date time of the Virtual Account transaction
sender_name	string	Name of the end user that paid into the Virtual Account. This field is only supported for Sahabat Sampoerna Virtual Accounts.

Create Virtual Account

Endpoint: Create Virtual Account

POST https://api.xendit.co/callback_virtual_accounts

Request Parameters

Example Create Virtual Accounts Request

curl https://api.xendit.co/callback_virtual_accounts -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   -d external_id=demo_virtual_account_1475459775872 \
   -d bank_code=BNI \
   -d name='Michael Chen'

<?php

  use Xendit\Xendit;
  require 'vendor/autoload.php';

  Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

  $params = [ 
    "external_id" => "va-1475804036622",
    "bank_code" => "BNI",
    "name" => "Michael Chen"
  ];

  $createVA = \Xendit\VirtualAccounts::create($params);
  var_dump($createVA);

?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { VirtualAcc } = x;
const vaSpecificOptions = {};
const va = new VirtualAcc(vaSpecificOptions);

const resp = await va.createFixedVA({
  externalID: 'va-1475804036622',
  bankCode: 'BNI',
  name: 'Michael Chen',
});
console.log(resp);

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  Map<String, Object> params = new HashMap<>();
  params.put("external_id", "demo_virtual_account_1475459775872");
  params.put("bank_code", BankCode.BNI.getText());
  params.put("expected_amount", 100000);
  params.put("name", "Michael Chen");

  //For closed virtual account
  FixedVirtualAccount closedVirtualAccount = FixedVirtualAccount.createClosed(params);

  //For open virtual account
  FixedVirtualAccount openVirtualAccount = FixedVirtualAccount.createOpen(params);
} catch (XenditException e) {
  e.printStackTrace();
}

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

data := virtualaccount.CreateFixedVAParams{
  ExternalID: "va-1475804036622",
  BankCode:   "BNI",
  Name:       "Michael Chen",
}

resp, err := virtualaccount.CreateFixedVA(&data)
if err != nil {
  log.Fatal(err)
}

fmt.Printf("created fixed va: %+v\n", resp)

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
VirtualAccount = xendit_instance.VirtualAccount

virtual_account = VirtualAccount.create(
    external_id="va-1475804036622",
    bank_code="BNI",
    name="Michael Chen",
)
print(virtual_account)

Example Request of BNI Open VA

{
   "external_id": "va-1475804036622",
   "bank_code": "BNI",
   "name": "Michael Chen"
}

Example Request of BRI Closed VA

{
  "external_id": "va-1475804036622",
  "bank_code": "BRI",
  "name": "Michael Chen",
  "is_closed": true,
  "expected_amount": 50000,
  "expiration_date": "2021-09-27T17:00:00.000Z"
}

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information
with-fee-rule optional	string	Fee Rule ID that you would like to apply to payments coming into this VA Please note: If you include this parameter, we will return the fee_rule_id and the fee_id in the header of the API response. Currently supports is_closed, is_single_use VA only This header is only used if you have access to xenPlatform. See xenPlatform for more information

Body Parameter	Type	Description
external_id required	string	An ID of your choice. Often it is unique identifier like a phone number, email or transaction ID Note: External IDs cannot be changed once set Characters: Special and alphanumeric Minimum character: 1 character Maximum characters: 950 characters
bank_code required	string	Bank code of the virtual account you want to create Note: We recommend you to create BNI Virtual Account for interbank transfers for higher success rate Available bank codes: MANDIRI, BNI, BNI_SYARIAH, BRI, PERMATA, BCA, SAHABAT_SAMPOERNA
name required	string	Name of user/virtual account, - this will be displayed in the bank's user interface, e.g. ATM confirmation screens. Note that this field can only contain letters and spaces and has length restriction depending on the banks. And also cannot contains name from bank/institution/government. Characters Only alphabet Minimum length 1 character, except BCA the minimum length is 3 characters
virtual_account_number optional. default: random	string	You can assign specific Virtual Account number using this parameter. If you do not send one, one will be picked at random. Make sure the number you specify is within your Virtual Account range. Check your Virtual Account range in Virtual Account Settings. API will throw error if you include merchant code (first 4 or 5 digits of your VA range, ie 26215 for BRI). Example: If your BRI Virtual Account range: 26215 9999000001 - 26215 9999999999, request virtual_account_number: 9999100101 will be accepted as the value is within VA range, while virtual_account_number: 262159999100101 will throw VIRTUAL_ACCOUNT_NUMBER_OUTSIDE_RANGE Note: Your VA range in TEST and LIVE mode might be different. When going live, double check and adjust your request to follow the respective VA range
is_single_use optional. default: false	boolean	There are 2 types of Virtual Account: single-use and multiple-use Virtual Account Single-use Virtual Account (is_single_use: true) can only be paid once. Used VA number can be recreated for other customer/invoice/transaction Multiple-use Virtual Account (is_single_use: false) allows your customer to pay to the same Virtual Account continuously
is_closed optional. default: false	boolean	There are 2 types of Virtual Account amount: open or closed amount Open amount means your customer can pay any amount to the Virtual Account Closed amount means your customer can only pay amount specified by you. Payment will be rejected if attempted payment amount deviates from the amount you specified. Specify the amount using expected_amount parameter below
expected_amount optional	number	Required amount to be paid by your customer for closed Virtual Account. For MANDIRI, BNI, and BRI: Minimum amount: Rp 1 Maximum amount: Rp 50,000,000,000
suggested_amount optional	number	The suggested amount you want to assign Note: Suggested amounts is the amounts that can see as a suggestion, but user can still put any numbers (only supported for Mandiri and BRI)
expiration_date optional. default: +31 years from creation date	string	ISO8601 timestamp of Virtual Account expiration time Timezone: UTC+0
description optional	string	Description for the Virtual Account. Only BRI supports this feature Characters Special and alphanumeric Minimum length 1 character

Response Parameters

Example of BNI Open VA Response

{
  "id": "57f6fbf26b9f064272622aa6",
  "external_id": "va-1475804036622",
  "owner_id": "57b4e5181473eeb61c11f9b9",
  "bank_code": "BNI",
  "merchant_code": "8808",
  "account_number": "8808999939380502",
  "name": "Michael Chen",
  "currency": "IDR",
  "is_single_use": false,
  "is_closed": false,
  "expiration_date": "2051-09-27T17:00:00.000Z",
  "status": "PENDING"
}

Example of BRI Single Use Close VA Response

{
  "id": "57f6fbf26b9f064272622aa6",
  "external_id": "va-1475804036622",
  "owner_id": "57b4e5181473eeb61c11f9b9",
  "bank_code": "BRI",
  "merchant_code": "26215",
  "account_number": "262159939380502",
  "name": "Michael Chen",
  "currency": "IDR",
  "is_single_use": true,
  "is_closed": true,
  "expected_amount": 50000,
  "suggested_amount": 50000,
  "expiration_date": "2021-09-27T17:00:00.000Z",
  "description": "Utensils Payment 27 September 2021",
  "status": "PENDING"
}

Returns Virtual Account Object with status 200

Error Codes

Example of Error Message

{
    "error_code": "BANK_NOT_SUPPORTED_ERROR",
    "message": "That bank code is not currently supported. Use Get Virtual Account Banks API to check available banks"
}

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation. The errors field contains details about which fields are violating validation.
INVALID_JSON_FORMAT 400	The request body is not a valid JSON format. Change your body format to JSON to proceed.
VIRTUAL_ACCOUNT_NUMBER_OUTSIDE_RANGE 400	The virtual account number you want is outside your range. Check your VA range in Virtual Accounts Settings and make sure the account_number is within your VA range
BANK_NOT_SUPPORTED_ERROR 400	The bank code is not currently supported. You can check the available bank with Get virtual account banks endpoint.
EXPIRATION_DATE_NOT_SUPPORTED_ERROR 400	Custom expiration date (the time when the virtual account will be expired) for the virtual account is not currently supported.
EXPIRATION_DATE_INVALID_ERROR 400	Invalid custom expiration date because it's earlier than current time.
SUGGESTED_AMOUNT_NOT_SUPPORTED_ERROR 400	The suggested amount for the virtual account is not currently supported.
EXPECTED_AMOUNT_REQUIRED_ERROR 400	The expected_amount is required for Closed Virtual Account (is_closed: true). Specify required amount to proceed.
CLOSED_VA_NOT_SUPPORTED_ERROR 400	The closed option for this virtual account is not currently supported.
DUPLICATE_CALLBACK_VIRTUAL_ACCOUNT_ERROR 400	The Virtual Account number already exist. Check your Virtual Account in Virtual Account tab in Dashboard or Get Virtual Account API. Expire existing Virtual Account first if persists to proceed.
MINIMUM_EXPECTED_AMOUNT_ERROR 400	The minimum expected amount is Rp. 1 for BNI, BRI and MANDIRI
MAXIMUM_EXPECTED_AMOUNT_ERROR 400	The maximum expected amount is Rp. 50,000,000,000 for BNI, BRI and MANDIRI
CALLBACK_VIRTUAL_ACCOUNT_NAME_NOT_ALLOWED_ERROR 400	The name cannot contain bank or institution name. Use non-bank and non-institutions name to proceed.
DESCRIPTION_NOT_SUPPORTED_ERROR 400	The requested Virtual Account bank doesn't support description feature. Description field is only supported for BRI
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here

Get Virtual Account

Endpoint: Get Virtual Account

GET https://api.xendit.co/callback_virtual_accounts/:id

Example Get Virtual Account Request

curl https://api.xendit.co/callback_virtual_accounts/:id -X GET \
  -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:

<?php

  use Xendit\Xendit;
  require 'vendor/autoload.php';

  Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

  $id = '59e03a976fab8b1850fdf347';
  $getVA = \Xendit\VirtualAccounts::retrieve($id);
  var_dump($getVA);

?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { VirtualAcc } = x;
const vaSpecificOptions = {};
const va = new VirtualAcc(vaSpecificOptions);

const resp = await va.getFixedVA({ id: '59e03a976fab8b1850fdf347' });
console.log(resp);

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  FixedVirtualAccount fpa = FixedVirtualAccount.getFixedVA("EXAMPLE_ID");
} catch (XenditException e) {
  e.printStackTrace();
}

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

data := virtualaccount.GetFixedVAParams{
  ID: "59e03a976fab8b1850fdf347",
}

resp, err := virtualaccount.GetFixedVA(&data)
if err != nil {
  log.Fatal(err)
}

fmt.Printf("retrieved fixed va: %+v\n", resp)

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
VirtualAccount = xendit_instance.VirtualAccount

virtual_account = VirtualAccount.get(
    id="5eec3a3e8dd9ea2fc97d6728",
)
print(virtual_account)

Sometime, you need to know the detail for your virtual account. This endpoint can be used to get the latest details from your virtual account

Request Parameters

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Path Parameter	Type	Description
id required	string	ID of the Virtual Account object

Response Parameters

Example Get Virtual Account Response

{
  "id": "57f6fbf26b9f064272622aa6",
  "external_id": "va-1475804036622",
  "owner_id": "57b4e5181473eeb61c11f9b9",
  "bank_code": "BNI",
  "merchant_code": "8808",
  "account_number": "8808999939380502",
  "name": "Michael Chen",
  "currency": "IDR",
  "is_single_use": false,
  "is_closed": false,
  "expiration_date": "2051-09-27T17:00:00.000Z",
  "status": "PENDING"
}

Returns Virtual Account Object with status 200

Error Codes

Example of Error Message

{
    "error_code": "CALLBACK_VIRTUAL_ACCOUNT_NOT_FOUND_ERROR",
    "message": "Callback virtual account not found"
}

Error Code	Description
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here
CALLBACK_VIRTUAL_ACCOUNT_NOT_FOUND_ERROR 404	Could not find callback virtual account.

Update Virtual Account

Endpoint: Update Virtual Account (VA)

PATCH https://api.xendit.co/callback_virtual_accounts/:id

Example Update Fixed Virtual Accounts Request

curl https://api.xendit.co/callback_virtual_accounts/57f6fbf26b9f064272622aa6 -X PATCH \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   -d expected_amount=150000

<?php

  use Xendit\Xendit;
  require 'vendor/autoload.php';

  Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

  $id = 'VA-id';
  $updateParams = ["suggested_amount" => 150000];

  $updateVA = \Xendit\VirtualAccounts::update($id, $updateParams);
  var_dump($updateVA);

?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { VirtualAcc } = x;
const vaSpecificOptions = {};
const va = new VirtualAcc(vaSpecificOptions);

const resp = await va.updateFixedVA({
  id: '57f6fbf26b9f064272622aa6',
  expectedAmt: 150000,
})

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  Map<String, Object> params = new HashMap<>();
  params.put("is_single_use", true);

  FixedVirtualAccount fixedVirtualAccount = FixedVirtualAccount.update("EXAMPLE_ID", params);
} catch (XenditException e) {
  e.printStackTrace();
}

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

expirationDate := time.Now().AddDate(0, 0, 1)

updateFixedVAData := virtualaccount.UpdateFixedVAParams{
  ID:             "57f6fbf26b9f064272622aa6",
  ExpirationDate: &expirationDate,
  ExpectedAmount: 150000,
}

resp, err := virtualaccount.UpdateFixedVA(&updateFixedVAData)
if err != nil {
  log.Fatal(err)
}

fmt.Printf("updated fixed va: %+v\n", resp)

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
VirtualAccount = xendit_instance.VirtualAccount

virtual_account = VirtualAccount.update(
    id="57f6fbf26b9f064272622aa6",
    is_single_use=True,
)
print(virtual_account)

Update Virtual Account API allows you to update Virtual Account type and information according to your business need. You can update VA when the VA status is ACTIVE. API will throw error when you update INACTIVE VA.

Request Parameters

Example Update Virtual Accounts Request

{
    "expiration_date": "2021-09-27T17:00:00.000Z",
    "expected_amount": 150000
}

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Path Parameter	Type	Description
id required	string	ID of the Virtual Account object

Body Parameter	Type	Description
is_single_use optional. default: false	boolean	When set to true, the virtual account status will be inactive after it is paid
expected_amount optional	number	The amount that the virtual account will expect if is_closed is set to true
suggested_amount optional	number	Suggested amount you want to assign
expiration_date optional. default: +31 years from creation date	string	The time when the virtual account will be expired. You can set it to be days in the past to expire virtual account immediately Timezone: UTC
description optional	string	Virtual account description shown to end user during payment. This field is only supported for BRI Characters Special and alphanumeric Minimum length 1 character

Response Parameters

Example Update Virtual Account Response

{
  "id": "57f6fbf26b9f064272622aa6",
  "external_id": "va-1475804036622",
  "owner_id": "57b4e5181473eeb61c11f9b9",
  "bank_code": "BRI",
  "merchant_code": "26215",
  "account_number": "262159939380502",
  "name": "Michael Chen",
  "currency": "IDR",
  "is_single_use": true,
  "is_closed": true,
  "expected_amount": 150000,
  "expiration_date": "2021-09-27T17:00:00.000Z",
  "description": "Utensils Payment 27 September 2021",
  "status": "PENDING"
}

Returns Virtual Account Object with status 200

Error Codes

Example of Error Message

{
    "error_code": "BANK_NOT_SUPPORTED_ERROR",
    "message": "That bank code is not currently supported. Use Get Virtual Account Banks API to check available banks"
}

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation. The errors field contains details about which fields are violating validation.
INVALID_JSON_FORMAT 400	The request body is not a valid JSON format. Change your body format to JSON to proceed.
VIRTUAL_ACCOUNT_NUMBER_OUTSIDE_RANGE 400	The virtual account number you want is outside your range. Check your VA range in Virtual Accounts Settings and make sure the account_number is within your VA range
BANK_NOT_SUPPORTED_ERROR 400	The bank code is not currently supported. You can check the available bank with Get virtual account banks endpoint.
EXPIRATION_DATE_NOT_SUPPORTED_ERROR 400	Custom expiration date (the time when the virtual account will be expired) for the virtual account is not currently supported.
EXPIRATION_DATE_INVALID_ERROR 400	Invalid custom expiration date because it's earlier than current time.
SUGGESTED_AMOUNT_NOT_SUPPORTED_ERROR 400	The suggested amount for the virtual account is not currently supported.
EXPECTED_AMOUNT_REQUIRED_ERROR 400	The expected_amount is required for Closed Virtual Account (is_closed: true). Specify required amount to proceed.
INACTIVE_VIRTUAL_ACCOUNT_ERROR 400	Account number that you want to update is inactive.
MINIMUM_EXPECTED_AMOUNT_ERROR 400	The minimum expected amount is Rp. 1 for BNI, BRI and MANDIRI
MAXIMUM_EXPECTED_AMOUNT_ERROR 400	The maximum expected amount is Rp. 50,000,000,000 for BNI, BRI and MANDIRI
DESCRIPTION_NOT_SUPPORTED_ERROR 400	The requested Virtual Account bank doesn't support description feature. Description field is only supported for BRI
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here

Get Virtual Account Banks

Endpoint: Get Virtual Account Available Banks

GET https://api.xendit.co/available_virtual_account_banks

Example Get Virtual Account Banks Request

curl https://api.xendit.co/available_virtual_account_banks -X GET \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:

<?php

  use Xendit\Xendit;
  require 'vendor/autoload.php';

  Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

  $getVABanks = \Xendit\VirtualAccounts::getVABanks();
  var_dump($getVABanks);

?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { VirtualAcc } = x;
const vaSpecificOptions = {};
const va = new VirtualAcc(vaSpecificOptions);

const resp = await va.getVABanks();
console.log(resp);

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  AvailableBank[] availableBanks = FixedVirtualAccount.getAvailableBanks();
} catch (XenditException e) {
  e.printStackTrace();
}

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

availableBanks, err := virtualaccount.GetAvailableBanks()
if err != nil {
  log.Fatal(err)
}

fmt.Printf("available va banks: %+v\n", availableBanks)

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
VirtualAccount = xendit_instance.VirtualAccount

virtual_account_banks = VirtualAccount.get_banks()
print(virtual_account_banks)

Request Parameters

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Response Parameters

Example Get Virtual Account Banks Response

[
    {
        "name": "Bank Mandiri",
        "code": "MANDIRI"
    },
    {
        "name": "Bank Negara Indonesia",
        "code": "BNI"
    },
    {
        "name": "Bank Rakyat Indonesia",
        "code": "BRI"
    },
    {
        "name": "Bank Permata",
        "code": "PERMATA"
    },
    {
        "name": "Bank Central Asia",
        "code": "BCA"
    }
]

Returns array of the following object:

Parameter	Type	Description
name required	string	Full name of the bank
code required	string	Code of the bank, relevant during creation of virtual accounts

Simulate Payment

Simulate Virtual Account Payment API allows you to mimic your customer behavior to pay to your Virtual Account in TEST mode. This is similar to your customers paying your Virtual Account using ATM/internet banking/mobile banking in LIVE mode. A callback will be sent to your callback URL upon payment completion.

Endpoint: Simulate VA Payment

POST https://api.xendit.co/callback_virtual_accounts/external_id={external_id}/simulate_payment

Request Parameters

Simulation Example

{
    "amount": 50000
}

Path Parameter	Type	Description
external_id required	string	External ID of the Virtual Account

Response Parameters

Simulation Response

{
    "status": "COMPLETED",
    "message": "Payment for the Fixed VA with external id {{$external_id}} is currently being processed. Please ensure that you have set a callback URL for VA payments via Dashboard Settings and contact us if you do not receive a VA payment callback within the next 5 mins."
}

Parameters	Type	Description
status required	string	Status of the payment simulation
message required	string	Additional information regarding the payment simulation process

Get Virtual Account Payment

Endpoint: Get Virtual Account Payment

GET https://api.xendit.co/callback_virtual_account_payments/payment_id={payment_id}

Example Get Virtual Account Payment Request

curl https://api.xendit.co/callback_virtual_account_payments/payment_id={payment_id} -X GET \
    -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:

<?php

  use Xendit\Xendit;
  require 'vendor/autoload.php';

  Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

  $paymentID = '1502450097080';
  $getFVAPayment = \Xendit\VirtualAccounts::getFVAPayment($paymentID);
  var_dump($getFVAPayment);

?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { VirtualAcc } = x;
const vaSpecificOptions = {};
const va = new VirtualAcc(vaSpecificOptions);

const resp = await va.getVAPayment({
  paymentID: '598d91b1191029596846047f',
});
console.log(resp);

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  FixedVirtualAccountPayment payment = FixedVirtualAccount.getPayment("EXAMPLE_PAYMENT_ID");
} catch (XenditException e) {
  e.printStackTrace();
}

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

payment, err := virtualaccount.GetPayment(&virtualaccount.GetPaymentParams{
  PaymentID: "1502450097080",
})

if err != nil {
  log.Fatal(err)
}

fmt.Printf("retrieved va payment: %+v\n", payment)

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
VirtualAccount = xendit_instance.VirtualAccount

virtual_account_payment = VirtualAccount.get_payment(
    payment_id="5ef18efca7d10d1b4d61fb52",
)
print(virtual_account_payment)

When you receive our callback in your URL, you can verify that the callback you receive is coming from us.

Request Parameters

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Path Parameter	Type	Description
payment_id required	string	ID of the payment retrieved from Virtual Account Payment object

Response Parameters

Example Get Virtual Account Payment Response

{
    "id": "598d91b1191029596846047f",
    "payment_id": "5f218745736e619164dc8608",
    "callback_virtual_account_id": "598d5f71bf64853820c49a18",
    "external_id": "demo-1502437214715",
    "bank_code": "BNI",
    "merchant_code": "8808",
    "account_number": "8808999939380502",
    "amount": 50000,
    "transaction_timestamp": "2021-07-24T05:22:55.115Z",
    "sender_name": "Michael Chen"
}

Returns Virtual Account Payment object with status 200

Error Codes

Error Code	Description
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here
CALLBACK_VIRTUAL_ACCOUNT_PAYMENT_NOT_FOUND_ERROR 404	Could not find callback virtual account payment by payment id.

Virtual Account Callback

Endpoint: Virtual Account Callback

POST https://yourcompany.com/virtual_account_paid_callback_url

Xendit notifies your system upon successful payments via callback. You need to provide an URL to receive callback. Please specify your URL in Callback Settings in Xendit Dashboard.

The payment notification will be sent as POST request to the URL you set. Xendit attach x-callback-token header that you can validate against Verification Token in Callback Settings to verify message authenticity.

Please response back with status 200 immediately. Xendit marks callback event as failed if there is no response within 30s. When events failed, automatic retry will kick-off for the next 24h. Alternatively, you can resend any event in Callback tab at anytime. You can also receive notification via email every 6h to check your callback health.

Learn more about Callback

Header Parameters

Header Parameter	Type	Description
x-callback-token required	string	Your Xendit unique callback token to verify the origin of the callback

Payment Callback Payload

Example Virtual Account Payment Callback Payload

{
  "id": "598d91b1191029596846047f",
  "created": "2021-07-24T05:22:55.115Z",
  "updated": "2021-07-24T05:22:55.115Z",
  "payment_id": "5f218745736e619164dc8608",
  "owner_id": "5a02cd4798ccd5c92ce44353",
  "callback_virtual_account_id": "598d5f71bf64853820c49a18",
  "external_id": "demo-1502437214715",
  "bank_code": "BNI",
  "merchant_code": "8808",
  "account_number": "8808999939380502",
  "amount": 50000,
  "transaction_timestamp": "2021-07-24T05:22:55.115Z",
  "sender_name": "Michael Chen"
}

Returns Virtual Account Payment Object with additional parameters:

Body Parameter	Type	Description
created required	string	ISO8601 timestamp of when the Virtual Account payment was created. Timezone UTC+0
updated required	string	ISO8601 timestamp of the Virtual Account payment last updated. Timezone UTC+0
owner_id required	string	Owner of the payment with the value of your Xendit business ID

Creation / Update Callback Payload

Example of Virtual Account Active Callback Payload

{
  "id": "57f6fbf26b9f064272622aa6",
  "external_id": "va-1475804036622",
  "owner_id": "57b4e5181473eeb61c11f9b9",
  "bank_code": "BNI",
  "merchant_code": "8808",
  "account_number": "8808999939380502",
  "name": "Michael Chen",
  "currency": "IDR",
  "is_single_use": false,
  "is_closed": false,
  "expiration_date": "2051-09-27T17:00:00.000Z",
  "status": "ACTIVE"
}

Returns Virtual Account Object with additional parameters:

Body Parameter	Type	Description
created required	string	ISO8601 timestamp of when the Virtual Account was created. Timezone UTC+0
updated required	string	ISO8601 timestamp of the Virtual Account last updated. Timezone UTC+0

Retail Outlets - ID

Create Fixed Payment Code

Endpoint: Create Fixed Payment Code (FPC)

POST https://api.xendit.co/fixed_payment_code

One way for your customer to pay through Retail Outlets is by providing them Fixed Payment Code. Fixed payment code is a dedicated payment code under a name you choose, e.g. 'YourCompany - Becca Salim'. You will receive a callback each time this fixed payment code is paid.

Request Parameters

Example Create Fixed Payment Code Request

curl https://api.xendit.co/fixed_payment_code -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   -d external_id=demo_fixed_payment_code_123 \
   -d retail_outlet_name=ALFAMART \
   -d name='Rika Sutanto' \
   -d expected_amount=10000

<?php

  use Xendit\Xendit;
  require 'vendor/autoload.php';

  Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

  $params = [
    'external_id' => '123',
    'retail_outlet_name' => 'ALFAMART',
    'name' => 'Rika Sutanto',
    'expected_amount' => 10000
  ];

  $createFPC = \Xendit\Retail::create($params);
  var_dump($createFPC);

?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { RetailOutlet } = x;
const retailOutletSpecificOptions = {};
const ro = new RetailOutlet(retailOutletSpecificOptions);

const resp = await ro.createFixedPaymentCode({
  externalID: 'demo_fixed_payment_code_123',
  retailOutletName: 'ALFAMART',
  name: 'Rika Sutanto',
  expectedAmt: 10000,
});
console.log(resp);

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  Map<String, Object> params = new HashMap<>();
  params.put("external_id", "test");
  params.put("retail_outlet_name", "ALFAMART");
  params.put("name", "Rika Sutanto");
  params.put("expected_amount", 10000);

  FixedPaymentCode fpc = RetailOutlet.createFixedPaymentCode(params);
} catch (XenditException e) {
  e.printStackTrace();
}

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

data := retailoutlet.CreateFixedPaymentCodeParams{
  ExternalID:       "123",
  RetailOutletName: xendit.RetailOutletNameAlfamart,
  Name:             "Rika Sutanto",
  ExpectedAmount:   10000,
}

resp, err := retailoutlet.CreateFixedPaymentCode(&data)
if err != nil {
  log.Fatal(err.ErrorCode)
}

fmt.Printf("created retail outlet fixed payment code: %+v\n", resp)

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
RetailOutlet = xendit_instance.RetailOutlet

retail_outlet = RetailOutlet.create_fixed_payment_code(
    external_id="demo_fixed_payment_code_123",
    retail_outlet_name="ALFAMART",
    name="Rika Sutanto",
    expected_amount=10000,
)
print(retail_outlet)

JSON

{
  "external_id": "123",
  "retail_outlet_name": "ALFAMART",
  "name": "Rika Sutanto",
  "expected_amount": 10000
}

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Body Parameter	Type	Description
external_id required	string	An ID of your choice. Often it is unique identifier like a phone number, email or transaction ID. Maximum length allowed is 1000 characters. Characters Special and alphanumeric Minimum length 1 character
retail_outlet_name required	string	Name of the fixed payment code you want to create Available Retail Outlets: ALFAMART and INDOMARET
name required	string	Name of user - this might be used by the Retail Outlets cashier to validate the end user Characters Only alphanumeric Minimum length 1 character Maximum length For Alfamart 40 character, for Indomaret 45 character
expected_amount required	integer positive	The amount that is expected to be paid by end customer the minimum is Rp 10,000 and the maximum is Rp 2,500,000 for Alfamart the minimum is Rp 10,000 and the maximum is Rp 5,000,000 for Indomaret
payment_code optional	string	The fixed payment code that you want to assign, e.g 12345. If you do not send one, one will be picked at random default: random string
expiration_date optional	ISO 8601 Date	The time when the fixed payment code will be expired timezone: UTC default: The expired date will be 31 years from payment code generated
is_single_use optional	boolean	When set to true, the fixed payment code will be inactive after it is paid default: false

Response Parameters

Example Create Fixed Payment Code Response

{
    "is_single_use": false,
    "status": "ACTIVE",
    "owner_id": "5c2323c67d6d305ac433ba20",
    "external_id": "123",
    "retail_outlet_name": "ALFAMART",
    "prefix": "TEST",
    "name": "Rika Sutanto",
    "payment_code": "TEST906558",
    "type": "USER",
    "expected_amount": 10000,
    "expiration_date": "2051-11-01T17:00:00.000Z",
    "id": "5f9fb01c4134b42c56b034c1"
}

Parameter	Type	Description
owner_id required	string	Your user ID
external_id required	string	An ID of your choice which you provided upon request
retail_outlet_name required	string	Name of the Retail Outlets, e.g. ALFAMART or INDOMARET
prefix required	string	3-6 characters that differentiate your fixed payment code from the others
name required	string	Name for the fixed payment code
payment_code required	string	Complete fixed payment code (including prefix). This is what a user will need to tell Retail Outlets cashier or show via barcode page. You can append payment_code into the barcode page URL (barcode page currently only supports Alfamart): TEST: https://retail-outlet-barcode-dev.xendit.co/alfamart/:payment_code LIVE: https://retail-outlet-barcode.xendit.co/alfamart/:payment_code
expected_amount required	integer positive	The amount that is expected to be paid by end customer the minimum is Rp 10,000 and the maximum is Rp 2,500,000 for Alfamart the minimum is Rp 10,000 and the maximum is Rp 5,000,000 for Indomaret
is_single_use required	boolean	Value that determines whether a fixed payment code will be inactive after it is paid or not
expiration_date required	ISO 8601 Date	The time when the fixed payment code will be expired
id required	string	Unique ID for the fixed payment code that generated randomly by system.
status required	string	Status of fixed payment code that defines if it’s ACTIVE, INACTIVE, or EXPIRED. Status is ACTIVE if fixed payment code has not paid or has not expired yet. Status is INACTIVE if fixed payment code is already paid. Status is EXPIRED if fixed payment code that has expiration date and been updated to the date less than now.
type required	string	To define that this is user generated payment code

Error Codes

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation. The errors field contains details about which fields are violating validation.
INVALID_JSON_FORMAT 400	The request body is not a valid JSON format.
PAYMENT_CODE_OUTSIDE_RANGE 400	The fixed payment code you want is outside your range. Can resolve by check the dashboard to see the range Retail Outlets Settings
RETAIL_OUTLET_NOT_SUPPORTED_ERROR 400	The Retail Outlets is not currently supported.
DUPLICATE_PAYMENT_CODE_ERROR 400	The payment code that you want to create is already exist
EXPIRATION_DATE_INVALID_ERROR 400	Invalid custom expiration date because it's earlier than current time.
MINIMUM_EXPECTED_AMOUNT_ERROR 400	The expected amount can only be more than or equal Rp 10,0000
MAXIMUM_EXPECTED_AMOUNT_ERROR 400	The expected amount can only be less than or equal Rp 5,000,000
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here

Update Fixed Payment Code

Endpoint: Update Fixed Payment Code (FPC)

PATCH https://api.xendit.co/fixed_payment_code/{fixed_payment_code_id}

Fixed Payment Code is so adaptable, and it's all based on your needs. Therefore, we provide you this endpoint to easily update your fixed payment code as you like.

Request Parameters

Example Update Fixed Payment Code Request

curl https://api.xendit.co/fixed_payment_code/{fixed_payment_code_id} -X PATCH \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   -d expected_amount=20000
   -d name='Joe Contini'

<?php

  use Xendit\Xendit;
  require 'vendor/autoload.php';

  Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

  $id = '5b61881e6cc2770f00117f73';
  $updateParams = ['expected_amount' => 20000];

  $updateFPC = \Xendit\Retail::update($id, $updateParams);
  var_dump($updateFPC);

?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { RetailOutlet } = x;
const retailOutletSpecificOptions = {};
const ro = new RetailOutlet(retailOutletSpecificOptions);

const resp = await ro.updateFixedPaymentCode({
  id: '5b61881e6cc2770f00117f73',
  name: 'Joe Contini',
  expectedAmt: 20000,
});
console.log(resp);

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  Map<String, Object> params = new HashMap<>();
  params.put("name", "Lorem Ipsum");

  FixedPaymentCode fpc = RetailOutlet.updateFixedPaymentCode("EXAMPLE_ID", params);
} catch (XenditException e) {
  e.printStackTrace();
}

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

expirationDate := time.Now().AddDate(0, 0, 1)

updateFixedPaymentCodeData := retailoutlet.UpdateFixedPaymentCodeParams{
  FixedPaymentCodeID: "5b61881e6cc2770f00117f73",
  Name:               "Joe Contini",
  ExpectedAmount:     20000,
  ExpirationDate:     &expirationDate,
}

resp, err := retailoutlet.UpdateFixedPaymentCode(&updateFixedPaymentCodeData)
if err != nil {
  log.Fatal(err.ErrorCode)
}
fmt.Printf("updated retail outlet fixed payment code: %+v\n", resp)

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
RetailOutlet = xendit_instance.RetailOutlet

retail_outlet = RetailOutlet.update_fixed_payment_code(
    fixed_payment_code_id="5ef2f0f8e7f5c14077275493",
    name="Joe Contini",
)
print(retail_outlet)

JSON

{
  "expected_amount": 20000,
  "name": "Joe Contini"
}

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Body Parameter	Type	Description
name optional	string	Name for the fixed payment code Characters Only alphanumeric Minimum length 1 character
expected_amount optional	integer positive	The amount that is expected to be paid by end customer the minimum is Rp 10,000 and the maximum is Rp 2,500,000 for Alfamart the minimum is Rp 10,000 and the maximum is Rp 5,000,000 for Indomaret
expiration_date optional	ISO 8601 Date	The time when the fixed payment code will be expired. You can set it to be days in the past to expire fixed payment code immediately timezone: UTC default: The expired date will be 31 years from payment code generated

Response Parameters

Example Update Fixed Payment Code Response

{
    "is_single_use": false,
    "status": "ACTIVE",
    "owner_id": "5c2323c67d6d305ac433ba20",
    "external_id": "123",
    "retail_outlet_name": "ALFAMART",
    "prefix": "TEST",
    "name": "JOHN DOE",
    "payment_code": "TEST906558",
    "type": "USER",
    "expected_amount": 25000,
    "expiration_date": "2051-11-01T17:00:00.000Z",
    "id": "5f9fb01c4134b42c56b034c1"
}

Parameter	Type	Description
owner_id required	string	Your user ID
external_id required	string	An ID of your choice which you provided upon request
retail_outlet_name required	string	Name of the Retail Outlets, e.g. ALFAMART or INDOMARET
prefix required	string	3-6 characters that differentiate your fixed payment code from the others
name required	string	Name for the fixed payment code
payment_code required	string	Complete fixed payment code (including prefix). This is what a user will need to tell Retail Outlets cashier or show via barcode page. You can append payment_code into the barcode page URL (barcode page currently only supports Alfamart): TEST: https://retail-outlet-barcode-dev.xendit.co/alfamart/:payment_code LIVE: https://retail-outlet-barcode.xendit.co/alfamart/:payment_code
expected_amount required	integer positive	The amount that is expected to be paid by end customer the minimum is Rp 10,000 and the maximum is Rp 2,500,000 for Alfamart the minimum is Rp 10,000 and the maximum is Rp 5,000,000 for Indomaret
is_single_use required	boolean	Value that determines whether a fixed payment code will be inactive after it is paid or not
expiration_date required	ISO 8601 Date	The time when the fixed payment code will be expired
id required	string	Unique ID for the fixed payment code that generated randomly by system.
status required	string	Status of fixed payment code that defines if it’s ACTIVE, INACTIVE, or EXPIRED. Status is ACTIVE if fixed payment code has not paid or has not expired yet. Status is INACTIVE if fixed payment code is already paid. Status is EXPIRED if fixed payment code that has expiration date and been updated to the date less than now.
type required	string	To define that this is user generated payment code

Error Codes

Error Code	Description
API_VALIDATION_ERROR 400	Inputs are failing validation. The errors field contains details about which fields are violating validation.
INVALID_JSON_FORMAT 400	The request body is not a valid JSON format.
PAYMENT_CODE_OUTSIDE_RANGE 400	The fixed payment code you want is outside your range. Can resolve by check the dashboard to see the range Retail Outlets Settings
INACTIVE_FIXED_PAYMENT_CODE_ERROR 400	Account number that you want to update is inactive.
MINIMUM_EXPECTED_AMOUNT_ERROR 400	The expected amount can only be more than or equal Rp 10,000
MAXIMUM_EXPECTED_AMOUNT_ERROR 400	The expected amount can only be less than or equal Rp 5,000,000
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here

Get Fixed Payment Code

Endpoint: Get Fixed Payment Code

GET https://api.xendit.co/fixed_payment_code/{fixed_payment_code_id}

Example Get Fixed Payment Code Request

curl https://api.xendit.co/fixed_payment_code/{fixed_payment_code_id} -X GET \
  -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==:

<?php

  use Xendit\Xendit;
  require 'vendor/autoload.php';

  Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

  $id = '5b61881e6cc2770f00117f73';

  $getFPC = \Xendit\Retail::retrieve($id);
  var_dump($getFPC);

?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { RetailOutlet } = x;
const retailOutletSpecificOptions = {};
const ro = new RetailOutlet(retailOutletSpecificOptions);

const resp = await ro.getFixedPaymentCode({
  id: '5b61881e6cc2770f00117f73',
});
console.log(resp);

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  FixedPaymentCode fpc = RetailOutlet.getFixedPaymentCode("EXAMPLE_ID");
} catch (XenditException e) {
  e.printStackTrace();
}

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

getFixedPaymentCodeData := retailoutlet.GetFixedPaymentCodeParams{
  FixedPaymentCodeID: "5b61881e6cc2770f00117f73",
}

resp, err := retailoutlet.GetFixedPaymentCode(&getFixedPaymentCodeData)
if err != nil {
  log.Fatal(err.ErrorCode)
}

fmt.Printf("retrieved retail outlet fixed payment code: %+v\n", resp)

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
RetailOutlet = xendit_instance.RetailOutlet

retail_outlet = RetailOutlet.get_fixed_payment_code(
    fixed_payment_code_id="5ef2f0f8e7f5c14077275493",
)
print(retail_outlet)

Sometimes, you need to know the detail for your fixed payment code. This endpoint can be used to get the latest details from your fixed payment code

Request Parameters

Header Parameter	Type	Description
for-user-id optional	string	The sub-account user-id that you want to make this transaction for. This header is only used if you have access to xenPlatform. See xenPlatform for more information

Path Parameter	Type	Description
fixed_payment_code_id required	string	ID of the fixed payment code to retrieve

Response Parameters

Example Get Fixed Payment Code Response

{
    "is_single_use": false,
    "status": "ACTIVE",
    "owner_id": "5c2323c67d6d305ac433ba20",
    "external_id": "123",
    "retail_outlet_name": "ALFAMART",
    "prefix": "TEST",
    "name": "JOHN DOE",
    "payment_code": "TEST906558",
    "type": "USER",
    "expected_amount": 25000,
    "expiration_date": "2051-11-01T17:00:00.000Z",
    "id": "5f9fb01c4134b42c56b034c1"
}

Parameter	Type	Description
owner_id required	string	Your user ID
external_id required	string	An ID of your choice which you provided upon request
retail_outlet_name required	string	Name of the Retail Outlets, e.g. ALFAMART or INDOMARET
prefix required	string	3-6 characters that differentiate your fixed payment code from the others
name required	string	Name for the fixed payment code
payment_code required	string	Complete fixed payment code (including prefix). This is what a user will need to tell Retail Outlets cashier or show via barcode page. You can append payment_code into the barcode page URL (barcode page currently only supports Alfamart): TEST: https://retail-outlet-barcode-dev.xendit.co/alfamart/:payment_code LIVE: https://retail-outlet-barcode.xendit.co/alfamart/:payment_code
expected_amount required	integer positive	The amount that is expected to be paid by end customer the minimum is Rp 10,000 and the maximum is Rp 2,500,000 for Alfamart the minimum is Rp 10,000 and the maximum is Rp 5,000,000 for Indomaret
is_single_use required	boolean	Value that determines whether a fixed payment code will be inactive after it is paid or not
expiration_date required	ISO 8601 Date	The time when the fixed payment code will be expired
id required	string	Unique ID for the fixed payment code that generated randomly by system.

Error Codes

Error Code	Description
REQUEST_FORBIDDEN_ERROR 403	API key in use does not have necessary permissions to perform the request. Please assign proper permissions for the key. Learn more here
FIXED_PAYMENT_CODE_NOT_FOUND_ERROR 404	Could not find fixed payment code.

Fixed Payment Code Callback

Endpoint: Fixed Payment Code Callback

POST https://yourcompany.com/fixed_payment_code_paid_callback_url

Xendit notifies your system upon successful payments via callback. You need to provide an URL to receive callback. Please specify your URL in Callback Settings in Xendit Dashboard.

The payment notification will be sent as POST request to the URL you set. Xendit attach x-callback-token header that you can validate against Verification Token in Callback Settings to verify message authenticity.

Please response back with status 200 immediately. Xendit marks callback event as failed if there is no response within 30s. When events failed, automatic retry will kick-off for the next 24h. Alternatively, you can resend any event in Callback tab at anytime. You can also receive notification via email every 6h to check your callback health.

Learn more about Callback

Callback Payload

Header Parameter	Type	Description
x-callback-token required	string	Your Xendit unique callback token to verify the origin of the callback

Example Fixed Payment Code Payment Callback Request

curl --include \
    --request POST \
    --url https://yourcompany.com/fixed_payment_code_paid_callback_url \
    --header 'content-type: application/json' \
    --header 'x-callback-token: MuaJALKJSDK12LASHD123kSAKSDHzjahwUWjkasJSDSA12KSNAK21n==' \
    --data '{
  "id": "58a435201b6ce2a355f46070",
  "external_id": "fixed-payment-code-14876410",
  "prefix": "TEST",
  "payment_code": "TEST123",
  "retail_outlet_name": "ALFAMART",
  "name": "John Doe",
  "amount": 123456,
  "status": "SETTLING",
  "transaction_timestamp": "2019-11-08T11:51:28.613Z",
  "payment_id": "1573213888613",
  "fixed_payment_code_payment_id": "5dc556c07a58de7c114f0347",
  "fixed_payment_code_id": "5dc5567bdf120fd64988a79b",
  "owner_id": "5be9b2f03ef77262c2bd49e6"
}'

JSON

{
  "id": "58a435201b6ce2a355f46070",
  "external_id": "fixed-payment-code-14876410",
  "prefix": "TEST",
  "payment_code": "TEST123",
  "retail_outlet_name": "ALFAMART",
  "name": "John Doe",
  "amount": 123456,
  "status": "SETTLING",
  "transaction_timestamp": "2019-11-08T11:51:28.613Z",
  "payment_id": "1573213888613",
  "fixed_payment_code_payment_id": "5dc556c07a58de7c114f0347",
  "fixed_payment_code_id": "5dc5567bdf120fd64988a79b",
  "owner_id": "5be9b2f03ef77262c2bd49e6"
}

Body Parameter	Type	Description
id required	string	Unique identifier for this transaction
external_id required	string	An ID of your choice which you provided upon fixed payment code creation
prefix required	string	3-6 characters that differentiate your fixed payment code from the others
payment_code required	string	Complete fixed payment code (including prefix). This is what a user will need to tell Retail Outlets cashier or show via barcode page. You can append payment_code into the barcode page URL (barcode page currently only supports Alfamart): TEST: https://retail-outlet-barcode-dev.xendit.co/alfamart/:payment_code LIVE: https://retail-outlet-barcode.xendit.co/alfamart/:payment_code
retail_outlet_name required	string	Name for the relevant Retail Outlets, e.g. ALFAMART or INDOMARET
name required	string	Name for the fixed payment code
amount required	integer positive	Nominal amount that is paid
status required	string	Status of payment. Possible value(s): SETTLING or COMPLETED
transaction_timestamp required	ISO 8601 Date	Date time that the fixed payment code was paid
payment_id required	string	Our internal system’s payment ID that can be used as payment reference
fixed_payment_code_payment_id required	string	Unique ID for the fixed payment code payment
fixed_payment_code_id required	string	Unique ID for the fixed payment code
owner_id required	string	Your user ID

Retail Outlets - PH

Retail Outlets (OTC) is a payment method allowing your end customer to make payments through one of our retail outlet partners throughout Philippines.

End customers can visit any of our partners and inform the cashier of the merchant they are paying to, quote the unique payment code for the transaction, and make a payment in cash.

Create Payment Code

Endpoint: Create Payment Code

POST https://api.xendit.co/payment_codes

Payment code allows your customers to make a payment through the branches of our partners.

Provide the payment code to your customer, and receive a callback once the payment has been made.

Request Parameters

Example Create Payment Code Request

curl https://api.xendit.co/payment_codes -X POST \
   -u xnd_development_O46JfOtygef9kMNsK+ZPGT+ZZ9b3ooF4w3Dn+R1k+2fT/7GlCAN3jg==: \
   -d reference_id=demo_payment_code_123 \
   -d channel_code=7ELEVEN \
   -d customer_name='Rika Sutanto' \
   -d amount=50
   -d currency=PHP
   -d market=PH

<?php

  use Xendit\Xendit;
  require 'vendor/autoload.php';

  Xendit::setApiKey('xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==');

  $params = [
    'reference_id' => 'demo_payment_code_123',
    'channel_code' => '7ELEVEN',
    'customer_name' => 'Rika Sutanto',
    'amount' => 50
    'currency' => 'PHP'
    'market' => 'PH'
  ];

  $createFPC = \Xendit\RegionalRetailOutlet::create($params);
  var_dump($createFPC);

?>

const x = new require('xendit-node')({ secretKey: 'xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==' });

const { RegionalRetailOutlet } = x;
const retailOutletSpecificOptions = {};
const ro = new RegionalRetailOutlet(retailOutletSpecificOptions);

const resp = await ro.createPaymentCode({
  referenceId: 'demo_payment_code_123',
  channelCode: '7ELEVEN',
  customerName: 'Rika Sutanto',
  amount: 50,
  currency: 'PHP',
  market: 'PH'
});
console.log(resp);

Xendit.apiKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw==";
try {
  Map<String, Object> params = new HashMap<>();
  params.put("reference_id", "demo_payment_code_123");
  params.put("channel_code", "7ELEVEN");
  params.put("customer_name", "Rika Sutanto");
  params.put("amount", 50);
  params.put("currency", "PHP");
  params.put("market", "PH");

  FixedPaymentCode fpc = RegionalRetailOutlet.createPaymentCode(params);
} catch (XenditException e) {
  e.printStackTrace();
}

xendit.Opt.SecretKey = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="

data := regionalRetailoutlet.CreatePaymentCodeParams{
  ReferenceId:  "demo_payment_code_123",
  ChannelCode:  xendit.RetailOutletName7eleven,
  CustomerName: "Rika Sutanto",
  Amount:       50,
  Currency:     "PHP",
  Market:       "PH"
}

resp, err := regionalRetailoutlet.CreatePaymentCode(&data)
if err != nil {
  log.Fatal(err.ErrorCode)
}

fmt.Printf("created retail outlet payment code: %+v\n", resp)

from xendit import Xendit

api_key = "xnd_development_P4qDfOss0OCpl8RtKrROHjaQYNCk9dN5lSfk+R1l9Wbe+rSiCwZ3jw=="
xendit_instance = Xendit(api_key=api_key)
RegionalR