Same Bank Transfer

Intrabank Transfer

Intrabank Transfer is a disbursement service used to move funds without involving other banks.

Before Integration​

Make sure you have received the credentials from the Espay team.

Integration Steps

You can use the following steps to integrate with Same Bank Transfer – Intrabank Transfer:

  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 Internal.

  1. Fund Transfer Process
Type Value
Service Code
17
Name
API Trigger Intrabank Transfer
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-intrabank
Production
Port of HTTPS (443)
https://api.espay.id/api/v1.0/transfer-intrabank

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 transaction.

Format:
Decimal .00 (ISO 4217)

Example:
150000.00
  currency
String (3)
Y
Transaction currency code.

Format:
  • Rupiah: IDR
beneficiaryAccountNo
String (16)
Y
Beneficiary account number.
beneficiaryEmail
String (64)
Y
Beneficiary email.
currency
String (3)
Y
Transaction currency code.

Format:
  • Rupiah: IDR
customerReference
String (64)
Y
Unique identifier for customer.
feeType
String (3)
Y
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
remark
String (64)
Y
Description.
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
additionalInfo
Array of Object
  economicActivity
String (255)
Y
Economic activity. Click here
  transactionPurpose
String (2)
Y
Transaction purpose. Click here
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:
200+17+00 = 2001700.
responseMessage
String (150)
Y
Response description.
beneficiaryAccountNo
String (16)
Y
Beneficiary account number.
amount
Array of Object
  value
String (16.2)
Y
Amount transaction.

Format:
Decimal .00 (ISO 4217)

Example:
150000.00
  currency
String (3)
Y
Transaction currency code.

Format:
  • Rupiah: IDR
refferenceNo
String (64)
Y
Transaction ID from bank.
additionalInfo
Array of Object
  economicActivity
String (255)
Y
Economic activity. Click here
  transactionPurpose
String (2)
Y
Transaction purpose. Click here
partnerReferenceNo
String (64)
Y
Unique reference code from merchant.
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
Y: Yes, O: Optional, C: Conditional
  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:2024-03-14T07:49:28+07:00
X-SIGNATURE:Ez4VM6yLWfgSLPZifeXDxjc8ko6IK1qa9V0nvohRGAL5dgfCXgpjMShRB+r4wthYwsb2BUSOh//gW0a2qqnVwUbg31MdUytp9FnZq6O7Kp6jGHSConvkaxMSp764iFCbpcjciaGwekXFmIdfnRB3Tn988Yz89Vb6qhxRZ30aLha+2JoRbY7ajy1Ml/upOvmmhhuwCdXgzjcsNVpSUO2RPag9Zasx+gmUc7vX4kWcpkd5gjNpp1d9h/arKaO+0xWYELWbbVyDUkwVdydhsH5YDMd5vt1TS/49lNSH/eMN1QevI7ayV3cxv8YP3i7QwBncXOV24OXNpxvegxabn/5CCA==
X-EXTERNAL-ID:a948d7db-1b8a-4f38-abc7-a9d68c245372
X-PARTNER-ID:SGWYESSISHOP
CHANNEL-ID:ESPAY
Authorization:Bearer zSOwxBf/NXOesRn9cPj1X+jCZp1OZ15tpdPlGoLtrfv7h+RF2H9uCZVNO5qOQS4cNCgtQGyHyYjj13UoPWo5hg==
































Sample Request

{
    "partnerReferenceNo": "2020102900000020220902",
    "amount": {		
        "value": "892356.00",
        "currency": "IDR"
    },
    "beneficiaryAccountNo": "888801000157508",
    "beneficiaryEmail": "yories.yolanda@work.co.id",
    "currency": "IDR",
    "customerReference": "10052019",
    "feeType": "BEN",
    "remark": "remark test",
    "sourceAccountNo": "0613339253",
    "transactionDate": "2024-03-14T10:30:24+07:00",
    "additionalInfo": {
        "economicActivity": "Biaya Hidup Pihak Asing",
        "transactionPurpose": "01"
    }
}













































Sample Positive Response

{
    "responseCode": "2001700",
    "responseMessage": "Successful",
    "beneficiaryAccountNo": "888801000157508",
    "amount": {
        "value": "892356.00",
        "currency": "IDR"
    },
    "referenceNo": "22091901021167",
    "additionalInfo": {
        "economicActivity": "Biaya Hidup Pihak Asing",
        "transactionPurpose": "01"
    },
    "partnerReferenceNo": "2020102900000020220902",
    "sourceAccountNo": "0613339253",
    "transactionDate": "2024-03-14T10:30:24+07:00"
}


Sample Negative Response

    
{
    "responseCode": "4011701",
    "responseMessage": "Unauthorized. IP Address rejected / unregistered"
}





CURL

curl --location 'https://sandbox-api.espay.id/api/v1.0/transfer-intrabank' \
--header 'Content-Type: application/json' \
--header 'X-PARTNER-ID: SGWYESSISHOP' \
--header 'X-EXTERNAL-ID: 8aae999e-c336-4cfd-914b-ca20f78c754c' \
--header 'X-SIGNATURE: Ez4VM6yLWfgSLPZifeXDxjc8ko6IK1qa9V0nvohRGAL5dgfCXgpjMShRB+r4wthYwsb2BUSOh//gW0a2qqnVwUbg31MdUytp9FnZq6O7Kp6jGHSConvkaxMSp764iFCbpcjciaGwekXFmIdfnRB3Tn988Yz89Vb6qhxRZ30aLha+2JoRbY7ajy1Ml/upOvmmhhuwCdXgzjcsNVpSUO2RPag9Zasx+gmUc7vX4kWcpkd5gjNpp1d9h/arKaO+0xWYELWbbVyDUkwVdydhsH5YDMd5vt1TS/49lNSH/eMN1QevI7ayV3cxv8YP3i7QwBncXOV24OXNpxvegxabn/5CCA==' \
--header 'X-TIMESTAMP: 2024-03-14T07:49:28+07:00' \
--header 'CHANNEL-ID: ESPAY' \
--header 'Authorization: Bearer zSOwxBf/NXOesRn9cPj1X+jCZp1OZ15tpdPlGoLtrfv7h+RF2H9uCZVNO5qOQS4cNCgtQGyHyYjj13UoPWo5hg==' \
--data '{
    "partnerReferenceNo": "2020102900000020220902",
    "amount": {		
        "value": "892356.00",
        "currency": "IDR"
    },
    "beneficiaryAccountNo": "888801000157508",
    "beneficiaryEmail": "yories.yolanda@work.co.id",
    "currency": "IDR",
    "customerReference": "10052019",
    "feeType": "BEN",
    "remark": "remark test",
    "sourceAccountNo": "0613339253",
    "transactionDate": "2024-03-14T10:30:24+07:00",
    "additionalInfo": {
        "economicActivity": "Biaya Hidup Pihak Asing",
        "transactionPurpose": "01"
    }
}'
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