Internal Transfer

Intrabank Transfer

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

Integration Steps

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

  1. Credential and Signature Setup
  • Make sure you already have Espay credentials, including Merchant Name, Merchant Code, and other required information.
  • For every request sent to Espay, you must generate a signature using the Asymmetric Signature method and include it in the request header. Learn more about Disbursement | Asymmetric Signature.
  1. Destination Account Validation

Before initiating the transfer, ensure that the destination account number is valid and correct. Learn more about Inquiry Account Internal.

  1. Transfer Confirmation Setup

Set up a Transfer Confirmation callback URL that must be provided and registered for validation. Learn more about Transfer Confirmation.

  1. Fund Transfer Process

Perform the fund transfer using Intrabank Transfer (a internal transfer between accounts within the same bank) by triggering the Intrabank Transfer API.

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 Disbursement | Asymmetric Signature.
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
C
Access Token from B2B. Learn B2B Access Token.

Format:
Bearer (access token).

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

Request Parameters

Parameter Type Mandatory Description
partnerReferenceNo
String (32)
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)
C
Economic activity. See the list of economic activites here.
  transactionPurpose
String (2)
C
Transaction purpose. See the list of transaction purpose codes here.
  referenceNo
String (64)
C
Reference code from bank. Mandatory if sourceBankCode = 028.
  deviceId
String (32)
C
A randomly generated unique identifier of the device. Mandatory if sourceBankCode = 028.
  channel
String (32)
C
The channel through which the request is made (e.g., mobilephone, web). Mandatory if sourceBankCode = 028.
  sendEmailNotification 
Bolean
C
Mandatory if sourceBankCode = 028. false.
  sourceBankCode
String (3)
C
Kode bank sumber. Lihat kode bank di sini.
Wajib diisi jika sourceBankCode = 028.
Y: Yes, O: Optional, C: Conditional

Response Parameters

Parameter Type Mandatory Description
responseCode
String (7)
Y
Response code. See response codes here.

Format:
HTTP code + Service code + Error code

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
referenceNo
String (64)
Y
Transaction ID from bank if sourceBankCode = 028
additionalInfo
Array of Object
  economicActivity
String (255)
Y
Economic activity. See the list of economic activites here.
  transactionPurpose
String (2)
Y
Transaction purpose. See the list of transaction purpose codes here.
partnerReferenceNo
String (32)
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. Response

Espay will respond with a message indicating whether the transfer was successful. For more details, see the Disbursement | Response Codes.

Other Disbursement Supporting Services

Espay Disbursement also has optional APIs for other disbursement needs.

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": "[email protected]",
    "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",
        "referenceNo": "BVFAST473297424328",
        "deviceId": "12345679237",
        "channel": "mobilephone",
        "sendEmailNotification":false,
        "sourceBankCode":"028"
    }
}































































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"
}


HTTP

POST /api/v1.0/transfer-intrabank HTTP/1.1
Host: sandbox-api.espay.id
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==
Content-Length: 556

{
    "partnerReferenceNo": "2020102900000020220902",
    "amount": {		
        "value": "892356.00",
        "currency": "IDR"
    },
    "beneficiaryAccountNo": "888801000157508",
    "beneficiaryEmail": "[email protected]",
    "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",
        "referenceNo": "BVFAST473297424328",
        "deviceId": "12345679237",
        "channel": "mobilephone",
        "sendEmailNotification":false,
        "sourceBankCode":"028"
    }
}


CURL

curl --location 'https://sandbox-api.espay.id/api/v1.0/transfer-intrabank' \
--header 'Content-Type: application/json' \
--header 'X-TIMESTAMP: 2024-03-14T07:49:28+07:00' \
--header 'X-SIGNATURE: Ez4VM6yLWfgSLPZifeXDxjc8ko6IK1qa9V0nvohRGAL5dgfCXgpjMShRB+r4wthYwsb2BUSOh//gW0a2qqnVwUbg31MdUytp9FnZq6O7Kp6jGHSConvkaxMSp764iFCbpcjciaGwekXFmIdfnRB3Tn988Yz89Vb6qhxRZ30aLha+2JoRbY7ajy1Ml/upOvmmhhuwCdXgzjcsNVpSUO2RPag9Zasx+gmUc7vX4kWcpkd5gjNpp1d9h/arKaO+0xWYELWbbVyDUkwVdydhsH5YDMd5vt1TS/49lNSH/eMN1QevI7ayV3cxv8YP3i7QwBncXOV24OXNpxvegxabn/5CCA==' \
--header 'X-EXTERNAL-ID: a948d7db-1b8a-4f38-abc7-a9d68c245372' \
--header 'X-PARTNER-ID: SGWYESSISHOP' \
--header 'CHANNEL-ID: ESPAY' \
--header 'Authorization: Bearer zSOwxBf/NXOesRn9cPj1X+jCZp1OZ15tpdPlGoLtrfv7h+RF2H9uCZVNO5qOQS4cNCgtQGyHyYjj13UoPWo5hg==' \
--data-raw '{
    "partnerReferenceNo": "2020102900000020220902",
    "amount": {		
        "value": "892356.00",
        "currency": "IDR"
    },
    "beneficiaryAccountNo": "888801000157508",
    "beneficiaryEmail": "[email protected]",
    "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",
        "referenceNo": "BVFAST473297424328",
        "deviceId": "12345679237",
        "channel": "mobilephone",
        "sendEmailNotification":false,
        "sourceBankCode":"028"
    }
}'
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