Overview

Biller Product

Biller Product is an Espay service that enables you to perform purchases or payments for various services such as Insurance, Indonesia’s National Health Insurance (BPJS Kesehatan), Cable TV, Instalments, Credit Card Payments, E-Wallet Top-up, Mobile Credit (Postpaid and Prepaid), Electricity (Postpaid and Prepaid), Non-Electricity Bills (PLN Non-Tagihan Listrik), and Water Utility (PDAM) all through a single platform.

For merchants who wish to use Biller Product, Espay provides two mechanisms: Deposit and Invoicing .
  • Deposit: You need to top up your balance in advance to Espay, which will then be used to process your customers transactions.
  • Invoicing: Transactions are processed under a billing system, and payment is made according to the total amount of completed transactions.

Before Integration

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

Integration Steps

You can use the following steps to integrate with Bill Product:
1. Basic Authentication

Each request must be verified using Basic Auth. Basic Auth is an authentication method used to verify the user identity before allowing access to data.
Learn more about Basic Auth.

2. See Available Biller Products

Before starting a transaction, you can check the available biller products through the Biller Products service.
Learn more about Biller Product | Get Biller Products.

3. Generate Signature

Every request you send will be validated by the Espay Payment Gateway using the signature parameters you have created.
Learn more about Biller Product | Hash-Based Signature.

4. Check the bill before payment
Bill checking is required for biller products that fall under recurring or postpaid bills, such as Postpaid Electricity, PDAM (water), Insurance, Internet, Cable TV, and others. This process is intended to display bill details before payment.
Learn more about Biller Product | Bill Inquiry.
5. Make a payment

Payment is the final step in the transaction process, both for biller products that use the Bill Inquiry service and those that do not. This process is performed using the Bill Payment service by sending data such as the product code and payment amount, according to the requirements of each biller product.
Learn more about Biller Product | Bill Payment.

Supporting Services

The following are supporting services that you can use based on your needs:
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