Linkage

Account Creation

Account Creation is a service provided for you to create a new account to conduct transactions or manage funds.
Type Value
Service Code
06
Name
API Account Creation
HTTP Method
POST

Flow

You send the required parameters to make a request, and Espay Payment Gateway will respond in JSON format.

API URL

Environment URL
Sandbox
Port of HTTPS (443)
https://sandbox-api.espay.id/apidirectdebit/v1.0/registration-account-creation
Production
Port of HTTPS (443)
https://api.espay.id/apidirectdebit/v1.0/registration-account-creation

Headers

Name Type Mandatory Description
Content-Type
String
Y
Content of your request body.

Example:
application/json
X-TIMESTAMP
String (25)
Y
Customer's current local date and time.

Format:
yyyy-MM-ddThh:mi:ssTZD (ISO 8601)

Example:
2024-03-14T07:49:28+07:00
X-SIGNATURE
String (255)
Y
Code used to validate transactions. Learn Signatures Asymmetric
X-EXTERNAL-ID
String (32)
Y
Numeric String. Reference number that should be unique on the same day.
X-PARTNER-ID
String (50)
Y
Merchant Code from Espay team.

Example:
SGWYESSISHOP
CHANNEL-ID
String (5)
Y
Channel id.

Value:
Espay
Authorization-Customer
String (150)
C
Access Token B2B2C. Espay -> Bank
Y: Yes, O: Optional, C: Conditional

Request Parameters

Parameter Tipe Mandatory Keterangan
partnerReferenceNo
String (64)
Y
Reference code from the merchant.

Example:
2020102900000000000001.
name
String (128)
Y
Customer full name.

Example:
Jhon Doe
phoneNo
String (16)
Y
Customer mobile phone number.

Format:
62xxxxxxxxxxxx
email
String (254)
Y
Customer email.

Example:
john.doe@email.com
customerId
String (45)
Y
Unique customer ID containing numeric.

Example:
9674126689000299
additionalInfo
Object
  productCode
String (16)
C
Product code.

Value:
SALDOMUDIRECTDEBIT
  customerIdType
String (25)
C
Customer identification type.

Format:
  • KTP
  • SIM
  • PASPOR
  custReligion
String (25)
C
Customer religion.

Format:
  • ISLAM
  • KRISTEN
  • KRISTEN PROTESTAN
  • KATOLIK
  • HINDU
  • BUDDHA
  • KHONGHUCU
  dateOfBirth
Date
C
Customer birth date.

Format:
YYYY-MM-DD.

Example:
2007-09-01.
  custBirthPlace
String (40)
C
Customer place of birth.

Example:
Jakarta
  custAddress
String (200)
C
Customer address.
  custGender
String (25)
C
Customer gender.

Format:
  • Perempuan: P
  • Laki-Laki: L
  custMarriageStatus
String (2)
C
Customer marital status.

Format:
  • Kawin: K
  • Belum Kawin: BK
  custNationality
String (25)
C
Customer nationality.

Contoh:
WNI
  custProvinsi
String (40)
C
Province where the customer lives.

Example:
DKI Jakarta
  custKabupaten
String (40)
C
Regency where the customer lives.

Example:
Jakarta Pusat
  custKecamatan
String (40)
C
District where the customer lives. Example:
Menteng
  custKelurahan
String (40)
C
Village where the customer lives.

Example:
Cikini
  custRT
String (5)
C
RT where the customer lives.
  custRW
String (5)
C
RW where the customer lives.
  custOccupation
String (40)
C
Customer occupation.
  ktpPhoto
String (2048)
C
Customer ID card (KTP) in image format.

Format:
  • JPEG/PNG
  selfiePhoto
String (2048)
C
Customer selfie.

Format:
  • JPEG/PNG
  signaturePhoto
String (2048)
C
Customer signature in image format.

Format:
  • JPEG/PNG
Parameter Type Mandatory Description
partnerReferenceNo
String (64)
Y
Reference code from the merchant.

Example:
2020102900000000001.
countryCode
String (2)
Y
Country code.

Format:
ISO 3166-1 Alpha 2

Example:
ID
customerId
String (45)
Y
Unique customer ID containing numeric and alphanumeric characters

Example:
00-abcghijkwxyz0123456789-11.
email
String (254)
Y
Customer email.

Example:
john.doe@email.com
lang
String (8)
Y
Language code used.

Example:
ID
name
String (128)
Y
Customer full name.

Contoh:
John Doe
onboardingPartner
String (8)
Y
Name of the onboarding partner.

Example:
SALDOMU
phoneNo
String (16)
Y
Customer mobile phone number.

Format:
62xxxxxxxxxxxx
redirectUrl
String (2048)
Y
The redirect URL used after the process is complete.

Example:
https://merchant.site.com/apptoken
terminalType
String (32)
Y
The type of terminal used.

Example:
SYSTEM
additionalInfo
Object
  deviceId
String
Y
Customer device ID.

Example:
123456792321
  channel
String
Y
The channel used for the request.

Example:
Mobilephone
  rcUuid
String
Y
UUID of the request session.

Example:
1069a3eb-65f4-4d02-a15b-16352a7ac25f
  commId
String
Y
Unique communication ID.

Example:
EMOSALDOMU1500439694RS6DD
  signature
String (255)
Y
Kode yang digunakan untuk melakukan validasi transaksi. Pelajari Signature Asymmetric
  appSecretKey
String
Y
Application secret key.

Example:
cd66dad6fc87651a14a1936a83.
  isRegister
String
Y
Registration status.

Value:
"Y"
  appId
String
Y
Application ID.

Example:
SDOM.
  custPIN
String
Y
Customer PIN.
  custPassword
String
Y
Customer password.
  custBirthDate
String
Y
Customer birth date.

Format:
YYYY-MM-DD.

Example:
2007-09-01.
  motherName
String
Y
Customer mother's name.
  custRW
String
Y
RW where the customer lives.
  custRT
String
Y
RT where the customer lives.
  custOccupation
String
Y
Customer occupation.
  custGender
String
Y
Customer gender.

Example:
Perempuan
  custKelurahan
String
Y
Village where the customer lives.

Example:
Paseban
  custBirthPlace
String
Y
Customer place of birth.

Example:
Jakarta
  bankCode
String
Y
Product code. Click here
  custMarriageStatus
String
Y
Customer marital status.

Example:
BELUM KAWIN
  custAddress
String
Y
Customer address.
  custKecamatan
String
Y
District where the customer lives.

Example:
Senen
  userId
String
Y
Customer ID.

Format:
Phone number.

Example:
62878123987.
  custCountry
String
Y
Country where the customer lives.
  custNationality
String
Y
Customer nationality.

Contoh:
WNI
  custProvinsi
String
Y
Province where the customer lives.

Example:
DKI Jakarta.
  custId
String
Y
Customer ID.

Example:
62878123987.
  custIdType
String
Y
Customer identification type.

Example:
KTP
  custReligion
String
Y
Customer religion.

Example:
ISLAM
  ktpPhoto
String
Y
Customer ID card (KTP) in image format.

Format:
  • JPEG/PNG
  selfiePhoto
String
Y
Customer selfie.

Format:
  • JPEG/PNG
  signaturePhoto
String
Y
Customer signature in image format.

Format:
  • JPEG/PNG
Y: Yes, O: Optional, C: Conditional

Response Parameter

Parameter Type Mandatory Description
responseCode
String (7)
Y
Response Code.

Format:
HTTP Code + Service Code + Error Code

Example:
200+06+00 = 2000600.
responseMessage
String (150)
Y
Response description.
referenceNo
String (64)
Y
Unique ID created by Espay and is mandatory when the status is successful.
partnerReferenceNo
String (64)
C
A unique ID created by merchant
authCode
String
O
Authorization code used to obtain accessToken and agreementToken.
apiKey
Numeric
O
Customer ID in numeric format.
accountId
String (32)
O
Customer account ID.
additionalInfo
Object
  custId
String (...)
O
Customer ID.

Format:
Phone number

Example:
62878123987
  ktpPhotoUrl
String
O
URL of the uploaded KTP photo.
  selfiePhotoUrl
String
O
URL of the uploaded selfie photo.
  signaturePhotoUrl
String
O
URL of the uploaded signature photo.
Parameter Type Mandatory Description
responseCode
String (7)
Y
Response code.

Format:
HTTP Code + Service Code + Error CodeError

Example:
200+06+00 = 2000600.
responseMessage
String (150)
Y
Response description.
phoneNo
String (16)
Y
Customer mobile phone number.

Format:
62xxxxxxxxxxxx
referenceNo
String (64)
Y
Unique ID created by Espay and is mandatory when the status is successful.
additionalInfo
Object
  webRedirectUrl
String (2048)
O
URL to redirect Saldomu page.

Format:
Urlencode
  originalUrl
String (2048)
O
URL to redirect Saldomu page.

Format:
Plain Text
Y: Yes, O: Optional, C: Conditional





























Sample Headers

Content-Type:application/json
X-TIMESTAMP:2024-03-14T07:49:28+07:00
X-SIGNATURE:jaCUbDOSIjFcDaZ1rO0aCczJrWSfV0wAXVi/zOLlOLOIVH00gucOSOnHpKTARwpnn6qB08Vi8VJviNhIQh1q6zVJAwdhxnHRlwNFa28IVFTtSmD4nXPWT3LsuYuFPNDGJ59/MgKMVjwIofYvq2dwOHoDi9rnyT3nPl7N2bRdIQceQlD6sITcqdEbRUlm+zTFB2MxNy4vFaEZz1LU8fsENp+giMNqxR26DsNcRj1K8JBXO6nY8q2m3jmTmiduXK5VZXxt/5v6bp+OlYCwJhn3hmdZD1zwC3Hu6qZcCIhO6IVe0ThSCfsaCdye9o/Ew6VdMWbTtQUoR983mq6MubLmzg==
X-EXTERNAL-ID:d3be5aec-155b-4b46-bfee-3fd55363d0f4
X-PARTNER-ID:SGWYESSISHOP
CHANNEL-ID:ESPAY



























Sample Request

{
    "partnerReferenceNo":"TESTING010",
    "name": "Putra",
    "phoneNo": "62821378692136",
    "email": "test@sgo.co.id",
    "customerId": "31710499994222",
    "additionalInfo": {
        "productCode": "SALDOMUDIRECTDEBIT",
        "customerIdType": "KTP",
        "custReligion": "KRISTEN PROTESTAN",
        "dateOfBirth": "1999-01-30",
        "custBirthPlace": "TANGERANG", 
        "custAddress": "JL. TEST 01",
        "custGender": "L",
        "custMarriageStatus": "BK",
        "custNationality": "WNI",
        "custProvinsi": "DKI JAKARTA",
        "custKabupaten": "KOTA JAKARTA PUSAT",
        "custKecamatan": "SENEN", 
        "custKelurahan": "PASEBAN", 
        "custRT": "11",
        "custRW": "12",
        "custOccupation": "karyawan",
        "ktpPhoto": "1.jpg",
        "selfiePhoto": "2.jpg",
        "signaturePhoto": "3.jpg"
    }
}





























































































Sample Responses

{
    "responseCode": "2020600",
    "responseMessage": "Request In Progress",
    "phoneNo": "62821378692136",
    "referenceNo": "56d3b9d2-604f-47a9-89aa-03c11cfdb19e",
    "additionalInfo": {
        "webRedirectUrl": "https%3A%2F%2Fapisaldomu-dev.saldomu.com%2Fuser%2Faccount%2Faccount-creation-create-pin%3Fauth%3DurStnr173319921756d3b9d2-604f-47a9-89aa-03c11cfdb19e",
        "originalUrl": "https://apisaldomu-dev.saldomu.com/user/account/account-creation-create-pin?auth=urStnr173319921756d3b9d2-604f-47a9-89aa-03c11cfdb19e"
    }
}







CURL


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