Cross Bank Transfer

SKN (Sistem Kliring Nasional)

SKN (Sistem Kliring Nasional) Transfer Service is a disbursement method to transfer funds between banks for small to medium amounts that do not require real-time processing. The SKN method is processed in batches on a scheduled basis, making it suitable for non-urgent payment needs.

Before Integration​
Make sure you have received the credentials from the Espay team.
Integration Steps

You can use the following steps to integrate with Cross Bank Transfer – SKN (Sistem Kliring Nasional):

  1. Generate Access Token B2B

Before making a request, you must obtain a B2B Access Token. Learn about Access Token B2B

  1. Generate Signature Asymmetric

Every request you send will be validated by the Espay Disbursement using the signature parameters you have created. Learn how to make a Signature Asymmetric

  1. Validate Destination Account Number
Before transferring, check your destination account to validate the correct number. Learn about Inquiry Account External.
  1. Fund Transfer Process
Type Value
Service Code
23
Name
API Transfer SKNBI
HTTP Method
POST

Flow

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

API URL

Environment URL
Sandbox
Port of HTTPS (443)
https://sandbox-api.espay.id/api/v1.0/transfer-skn
Production
Port of HTTPS (443)
https://api.espay.id/api/v1.0/transfer-skn

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
Y
Access Token from B2B. Learn Access Token B2B

Format:
Bearer (access token).

Example:
Bearer ZDE1MTQxM2QwODE2Zj UyNjk3ZmY0NTA3ZDgwZ Tg2ZDcyNmQ4MTNlYw
Y: Yes, O: Optional, C: Conditional

Request Parameters

Parameter Type Mandatory Description
partnerReferenceNo
String (64)
Y
Unique reference code from merchant.
amount
Array of Object
  value
String (16.2)
Y
Amount of transction.

Format:
Decimal .00 (ISO 4217)

Example:
150000.00.00
  currency
String (3)
Y
Transaction currency code.

Format:
  • Rupiah: IDR
beneficiaryAccountName
String (100)
Y
Beneficiary account name.
beneficiaryAccountNo
String (16)
Y
Beneficiary account number.
beneficiaryAddress
String (255)
O
Beneficiary address.
beneficiaryBankCode
String (10)
Y
Beneficiary bank / swift code. Click here
beneficiaryBankName
String (100)
Y
Beneficiary bank name.
beneficiaryEmail
String (100)
Y
Beneficiary email.
beneficiaryCustomerResidence
String (1)
Y
Beneficiary domicile.

Format:
  • Indonesia: 1
  • Non Indonesia: 2
beneficiaryCustomerType
String (1)
Y
Beneficiary customer type.

Format:
  • Individual: 1
  • Corporation: 2
  • Government: 3
feeType
String (25)
O
Transaction fee types.

Format:
  • Charged to sender (default): OUR
  • Charged to recipient: BEN
  • Sender charged Rp.1.000, the recipient will be charged the rest: SHA|1000
receiverPhone
String (20)
O
Beneficiary phone.

Format:
Inisial 62

Example:
6297322173827
remark
String (40)
Y
Description.
senderCustomerResidence
String (1)
O
Sender domicile.

Format:
  • Indonesia: 1
  • Non Indonesia: 2
senderCustomerType
String (1)
O
Sender type.

Format:
  • Individual: 1
  • Corporation: 2
  • Government: 3
senderPhone
String (20)
O
Sender phone.

Format:
Inisial 62

Example:
6297322173827
sourceAccountNo
String (16)
Y
Source account number.
transactionDate
String (25)
Y
Date and time of the transaction.

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

Example:
2022-08-21T14:56:11+07:00
customerReference
String (20)
Y
Unique identifier for customer.
additionalInfo
Array of Object
Y: Yes, O: Optional, C: Conditional

Response Parameters

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

Format:
HTTP code + Service code + Error code. Click here

Example:
Contoh:
200+23+00 = 2002300.
responseMessage
String (150)
Y
Response description.
referenceNo
String (64)
Y
Reference code from bank.
partnerReferenceNo
String (64)
Y
Unique reference code from merchant.
beneficiaryAccountName
String (100)
O
Beneficiary account name.
beneficiaryAccountNo
String (16)
Y
Beneficiary account number.
beneficiaryBankCode
String (8)
O
Beneficiary bank / swift code. Click here
sourceAccountNo
String (16)
Y
Source account number.
transactionDate
String (25)
Y
Date and time of the transaction.

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

Example:
2022-08-21T14:56:11+07:00
amount
Array of Object
  value
String (16.2)
O
Amount of transction.

Format:
Decimal .00 (ISO 4217)

Example:
150000.00.00
  currency
String (3)
O
Transaction currency code.

Format:
  • Rupiah: IDR
transactionStatus
String (2)
Y
Transaction status.

Format:
  • Success: 00
  • Initiated: 01
  • Paying: 02
  • Pending: 03
  • Refunded: 04
  • Canceled: 05
  • Failed: 06
  • Not found: 07
transactionStatusDesc
String (50)
O
Transaction status description.
Y: Yes, O: Optional, C: Conditional
You send the required parameters to make a request, and Espay Disbursement will respond in JSON format.
  1. Optional API
Espay Disbursement provides an optional API that you can use to support other payment needs

Try It!

Anda bisa coba masukkan data sesuai dengan input yang telah disediakan. Setelah itu Anda submit dan lihat hasilnya!


























































Sample Headers

Content-Type:application/json
X-TIMESTAMP:2024-11-20T14:56:11+07:00
X-SIGNATURE:RbBAnJgAhSRkhwUWHsWae6uif1e1ngIaPz51FmThB7JJYAc4c9xQTozByvbpHdpq73DAnVQzSJfUH+xpcMM5QSjfZ2Rzg3x+zaECnSW6TTb0/QwtB3gjlxnDsIqabiIff+eeUEANIgy3b03vzKZauHFPTHS/6bnDgCF9p/zIpXGm/Lig6C+il+ztNjcUVseuto/lUmzRWrmQaiLEuR5OCYpnTBnDeK+Fd/ltABwx2NpRRzrquUS9m3PNX8Riy11+5SaShE3vQZqZLRdt91vbitWOXkISPHGS97DO8j4ulWbiCJKgQeYe+C4xqvAqzasEAOFwfd3MdLmqCifmfSoLJg==
X-EXTERNAL-ID:9f35304f-74f1-430a-998c-8b0d6086d52f
X-PARTNER-ID:SGWYESSISHOP
CHANNEL-ID:ESPAY
Authorization:Bearer TcXSV/YEE0yBbIeW5luWDvUq7qc53a5omY4nGRPKy/hpA8pgWPyMShENcKWru8bqZVkDEjzL8B52a7H6ix9lJQ==
































Sample Headers

{
    "partnerReferenceNo": "432531252342",
    "amount": {
        "value": "10000.00",
        "currency": "IDR"
    },
    "beneficiaryAccountName": "Yories Yolanda",
    "beneficiaryAccountNo": "888801000157508",
    "beneficiaryAddress": "Palembang",
    "beneficiaryBankCode": "002",
    "beneficiaryBankName": "BRI",
    "beneficiaryEmail": "yories.yolanda@work.co.id",
    "beneficiaryCustomerResidence": "1",
    "beneficiaryCustomerType": "1",
    "feeType": "BEN",
    "receiverPhone": "6281234567890",
    "remark": "remark test",
    "senderCustomerResidence": "1",
    "senderCustomerType": "1",
    "senderPhone": "6281234567890",
    "sourceAccountNo": "001901000613303",
    "transactionDate": "2024-11-20T08:06:09+07:00",
    "customerReference": "10052111",
    "additionalInfo": {}
}















































































Sample Positive Response

{
    "responseCode": "2002300",
    "responseMessage": "Successful",
    "referenceNo": "0865241120992454",
    "beneficiaryAccountName": "Yories Yolanda",
    "partnerReferenceNo": "432531252342",
    "beneficiaryAccountNo": "888801000157508",
    "beneficiaryBankCode": "002",
    "sourceAccountNo": "001901000613303",
    "transactionDate": "2024-11-20T08:06:09+07:00",
    "amount": {
        "value": "101000000.00",
        "currency": "IDR"
    },
    
    "transactionStatus": "00",
    "transactionStatusDesc": "success"
}

Sample Negative Response

{
    "responseCode": "4012301",
    "responseMessage": "Unauthorized. IP Address rejected / unregistered"
}





CURL

curl --location 'https://sandbox-api.espay.id/api/v1.0/transfer-skn' \
--header 'Content-Type: application/json' \
--header 'X-TIMESTAMP: 2024-11-20T14:56:11+07:00' \
--header 'X-SIGNATURE: RbBAnJgAhSRkhwUWHsWae6uif1e1ngIaPz51FmThB7JJYAc4c9xQTozByvbpHdpq73DAnVQzSJfUH+xpcMM5QSjfZ2Rzg3x+zaECnSW6TTb0/QwtB3gjlxnDsIqabiIff+eeUEANIgy3b03vzKZauHFPTHS/6bnDgCF9p/zIpXGm/Lig6C+il+ztNjcUVseuto/lUmzRWrmQaiLEuR5OCYpnTBnDeK+Fd/ltABwx2NpRRzrquUS9m3PNX8Riy11+5SaShE3vQZqZLRdt91vbitWOXkISPHGS97DO8j4ulWbiCJKgQeYe+C4xqvAqzasEAOFwfd3MdLmqCifmfSoLJg==' \
--header 'X-EXTERNAL-ID: 9f35304f-74f1-430a-998c-8b0d6086d52f' \
--header 'X-PARTNER-ID: SGWYESSISHOP' \
--header 'CHANNEL-ID: ESPAY' \
--header 'Authorization: Bearer TcXSV/YEE0yBbIeW5luWDvUq7qc53a5omY4nGRPKy/hpA8pgWPyMShENcKWru8bqZVkDEjzL8B52a7H6ix9lJQ==' \
--data '{
    "partnerReferenceNo": "432531252342",
    "amount": {
        "value": "10000.00",
        "currency": "IDR"
    },
    "beneficiaryAccountName": "Yories Yolanda",
    "beneficiaryAccountNo": "888801000157508",
    "beneficiaryAddress": "Palembang",
    "beneficiaryBankCode": "002",
    "beneficiaryBankName": "BRI",
    "beneficiaryEmail": "yories.yolanda@work.co.id",
    "beneficiaryCustomerResidence": "1",
    "beneficiaryCustomerType": "1",
    "feeType": "BEN",
    "receiverPhone": "6281234567890",
    "remark": "remark test",
    "senderCustomerResidence": "1",
    "senderCustomerType": "1",
    "senderPhone": "6281234567890",
    "sourceAccountNo": "001901000613303",
    "transactionDate": "2024-11-20T08:06:09+07:00",
    "customerReference": "10052111",
    "additionalInfo": {}
}'
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