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Learn how to use the Payment API to enable Indonesia bank transfer deposits from your user.

Overview

Each connected user on your platform will be assigned a unique virtual account number for bank transfer payments. We check the sender's name against the user's name to ensure the payment is being made to the correct virtual account. This creates a secure and seamless experience for your users and makes it easy for your team to reconcile these transactions.

Learn more about virtual accounts →

Step 1 — Display bank transfer instructions

curl --location --request POST 'https://sandbox.xfers.io/api/v3/payment_methods/virtual_bank_accounts' \
--header 'Accept: application/json' \
--header 'Content-Type: application/json' \
--header 'X-XFERS-APP-API-KEY: KVBZxX2YVOxlSjbxH0j6Wpc408FJKv88zXHU2aewdyO' \
--form 'data[attributes][referenceId]="hello_world"' \
--form 'data[attributes][bankShortCode]="SAHABAT_SAMPOERNA"' \
--form 'data[relationships][customerProfile][data][id]="customer_profile_08d5ffe5-8a02-4dc2-aabb-9057b8ab3c65"'

curl --location --request POST 'https://www.xfers.io/api/v3/payment_methods/virtual_bank_accounts' \
--header 'Accept: application/json' \
--header 'Content-Type: application/json' \
--header 'X-XFERS-APP-API-KEY: {{APP_API_KEY}}' \
--form 'data[attributes][referenceId]="{{MERCHANT_REF}}"' \
--form 'data[attributes][bankShortCode]="SAHABAT SAMPOERNA"' \
--form 'data[relationships][customerProfile][data][id]="{{CP_ID}}"'

• To provide payee details for your user, initiate a request to create a virtual bank account to display bank transfer instructions.
• This enables your user to add a payee in their bank app using the fields: bank name, recipient name and bank account number.

Step 2 — Add callback URL

On a successful completion of a deposit transaction, StraitsX will send a callback notification to you via a callback URL indicated on the StraitsX Business Dashboard.

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Add the callback URL on the dashboard to receive callbacks when the transaction has been completed.

Step 3a — Make a mock bank transfer (Sandbox)

curl --location --request PUT 'https://sandbox.xfers.io/api/v3/sandbox/customer_profile/customer_profile_08d5ffe5-8a02-4dc2-aabb-9057b8ab3c65/bank_accounts/?verification_status=verified' \
--header 'X-XFERS-APP-API-KEY: KVBZxX2YVOxlSjbxH0j6Wpc408FJKv88zXHU2aewdyO'

• In the sandbox environment, you can make a mock bank transfer by initiating a mock bank transfer payment.

Step 3b — Make a bank transfer (Production)

To make a bank transfer payment, your users will need to deposit funds via their personal bank.

Step 4 — Confirm deposit has been received

Securing your callback

When the payment is received, we will send a callback to the URL indicated on the StraitsX Business Dashboard. The callback can be decoded using the HMAC-SHA256 algorithm to display the Request Body.

{
  "data": {
    "id": "contract_5333a88ef30147f2835c0f6202abeb26",
    "type": "payment",
    "attributes": {
      "referenceId": "external_id_61a4cf0be8",
      "amount": "151515.0",
      "fees": 3500.0,
      "status": "completed",
      "description": null,
      "createdAt": "2022-07-28T09:41:44.000Z",
      "paymentMethod": {
        "id": "va_05224da3d7871455afe882a78b67ad6e",
        "type": "virtual_bank_account",
        "referenceId": "va_test_sandbox",
        "instructions": {
          "bankShortCode": "SAHABAT_SAMPOERNA",
          "accountNo": "2020130000000528",
          "displayName": "IKN-Kenneth Ng"
        },
        "senderName": null,
        "failureReason": ""
      }
    }
  }
}

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You may use the merchant_ref parameter to match with the incoming bank transfers from your users to check if the amount received was correct.

Summary

Next step — Sending a payout

Learn more about how to send a payout to your user's bank account.

Try it out!

Getting started with StraitsX APIs is easy. Our business development and integration teams will be with you every step of the way. If you have any questions or would like to connect with our team, please do so via Support!