Biller Products

BPJS Kesehatan (Indonesia's National Health Insurance)

Espay provides an API to process BPJS Kesehatan (Indonesia’s national health insurance) payments online. For integration, you send a request to the Bill Inquiry service with the customer code. Then, to complete the payment, you send a request to the Bill Payment service using the data returned from the Bill Inquiry. Learn more about Bill Inquiry and Bill Payment.
Download the Postman collection – BPJS Kesehatan (Indonesia’s National Health Insurance) here.

Product Codes




Bill Inquiry - BPJS Kesehatan (Indonesia's National Health Insurance)

Sample Request

POST /rest/biller/inquirytransaction HTTP/1.1
Host: sandbox-api.espay.id
Content-Type: application/x-www-form-urlencoded
Authorization: ••••••
Content-Length: 225

rq_uuid=SANDBOXINQUIRYBILLER010101034&
rq_datetime=2019-10-10%2011%3A01%3A30&
sender_id=SANDBOX&
password=test&
order_id=8801835307911&
product_code=BPJSKS&
signature=9d6eede295d8865adc9eefa3fc48c059d22773338b01284eb42ab688671a7c9c


Sample Positive Response

{
   "rq_uuid":"SANDBOXINQUIRYBILLER010101034",
   "rs_datetime":"2025-02-14 14:41:39",
   "error_code":"0000",
   "error_message":"Success",
   "amount":10500000,
   "bill_amount":10500000,
   "admin_fee":500000,
   "data":{
      "va_number":"8801835307911",
      "customer_id":"8801835307911",
      "customer_name":"ONI SAPUTRA PRATAMA",
      "family_number":"1",
      "bill_period":"1",
      "bill_amount":105000,
      "admin_fee":5000,
      "amount":105000,
      "remain_payment":0,
      "reff_code":"00000000000000000000004387103120",
      "branch_code":"2301",
      "branch_name":"JAKARTA",
      "remark":""
   }
}


Sample Negative Response

{
   "rq_uuid":"SANDBOXINQUIRYBILLER010101034",
   "rs_datetime":"2025-02-14 14:44:17",
   "error_code":405,
   "error_desc":"product denied"
}



Bill Payment - BPJS Kesehatan (Indonesia's National Health Insurance)

Sample Request

POST /rest/biller/paymentreport HTTP/1.1
Host: sandbox-api.espay.id
Content-Type: application/x-www-form-urlencoded
Authorization: Basic ZXNwYXktdGVzdDp0ZXN0
Content-Length: 1094
  
rq_uuid=SANDBOXPAYMENTBILLER010102987876&
rq_datetime=2019-10-10%2011%3A02%3A30&
sender_id=SANDBOX&
password=test&
order_id=8801835307911&
roduct_code=BPJSKS&
amount=8750000&
signature=f46a2c34884c3d9194140f5ab595cae393749a0c5c25f23d2ebcfec3865196d1&
data={
    "va_number":"8801835307911",
    "customer_id":"8801835307911",
    "customer_name":"EKO SUPRAPTO",
    "family_number":1,
    "bill_period":1,
    "bill_amount":85000,
    "admin_fee":2500,
    "amount":87500,
    "remain_payment":0,
    "reff_code":"00000004985600000000000000000000",
    "branch_code":"0101",
    "branch_name":"BANDA ACEH",
    "remark":""
}


Sample Positive Response

{
   "rq_uuid":"SANDBOXPAYMENTBILLER010102987876",
   "rs_datetime":"2025-02-14 14:44:41",
   "error_code":"0000",
   "error_message":"Success",
   "ref_id":"BPJS20250214144441",
   "order_id":"8801835307911",
   "recon_ref":"425F30F055AD7812",
   "data":{
      "reff":"425F30F055AD7812",
      "va_number":"8801835307911",
      "customer_id":"8801835307911",
      "customer_name":"ONI SAPUTRA PRATAMA",
      "family_number":"1",
      "remain_payment":0,
      "bill_period":1,
      "bill_amount":100000,
      "catatan":"BPJS KESEHATAN MENYATAKAN STRUK INI SEBAGAI BUKTI PEMBAYARAN YANG SAH",
      "admin_fee":5000,
      "amount":102500,
      "message":"SEGERA DAFTARKAN AUTODEBIT IURAN JKN ! MUDAH, AMAN, TEPAT WAKTU, PRAKTIS"
   }
}


Sample Negative Response

{
   "rq_uuid":"SANDBOXPAYMENTBILLER010102987876",
   "rs_datetime":"2025-02-14 14:46:29",
   "error_code":405,
   "error_desc":"product denied"
}


HTTP Bill Inquiry - BPJS Kesehatan (Indonesia's National Health Insurance)

POST /rest/biller/inquirytransaction HTTP/1.1
Host: sandbox-api.espay.id
Content-Type: application/x-www-form-urlencoded
Authorization: Basic ZXNwYXktdGVzdDp0ZXN0
Content-Length: 225

rq_uuid=SANDBOXINQUIRYBILLER010101034&rq_datetime=2019-10-10%2011%3A01%3A30&sender_id=SANDBOX&password=test&order_id=8801835307911&product_code=BPJSKS&signature=9d6eede295d8865adc9eefa3fc48c059d22773338b01284eb42ab688671a7c9c


HTTP Bill Payment - BPJS Kesehatan (Indonesia's National Health Insurance)

POST /rest/biller/paymentreport HTTP/1.1
Host: sandbox-api.espay.id
Content-Type: application/x-www-form-urlencoded
Authorization: Basic ZXNwYXktdGVzdDp0ZXN0
Content-Length: 1094

rq_uuid=SANDBOXPAYMENTBILLER010102987876&rq_datetime=2019-10-10%2011%3A02%3A30&sender_id=SANDBOX&password=test&order_id=8801835307911&product_code=BPJSKS&amount=8750000&signature=f46a2c34884c3d9194140f5ab595cae393749a0c5c25f23d2ebcfec3865196d1&data=%7B%0A%20%20%20%20%20%20%20%20%22va_number%22%3A%20%228801835307911%22%2C%0A%20%20%20%20%20%20%20%20%22customer_id%22%3A%20%228801835307911%22%2C%0A%20%20%20%20%20%20%20%20%22customer_name%22%3A%20%22EKO%20SUPRAPTO%22%2C%0A%20%20%20%20%20%20%20%20%22family_number%22%3A%201%2C%0A%20%20%20%20%20%20%20%20%22bill_period%22%3A%201%2C%0A%20%20%20%20%20%20%20%20%22bill_amount%22%3A%2085000%2C%0A%20%20%20%20%20%20%20%20%22admin_fee%22%3A%202500%2C%0A%20%20%20%20%20%20%20%20%22amount%22%3A%2087500%2C%0A%20%20%20%20%20%20%20%20%22remain_payment%22%3A%200%2C%0A%20%20%20%20%20%20%20%20%22reff_code%22%3A%20%2200000004985600000000000000000000%22%2C%0A%20%20%20%20%20%20%20%20%22branch_code%22%3A%20%220101%22%2C%0A%20%20%20%20%20%20%20%20%22branch_name%22%3A%20%22BANDA%20ACEH%22%2C%0A%20%20%20%20%20%20%20%20%22remark%22%3A%20%22%22%0A%20%20%20%20%7D


CURL Bill Inquiry - BPJS Kesehatan (Indonesia's National Health Insurance)

curl --location 'https://sandbox-api.espay.id/rest/biller/inquirytransaction' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--header 'Authorization: Basic ZXNwYXktdGVzdDp0ZXN0' \
--header 'Cookie: sl-session=EYrJSq5K72ikNuD2E5t3Kg==' \
--data-urlencode 'rq_uuid=SANDBOXINQUIRYBILLER010101034' \
--data-urlencode 'rq_datetime=2019-10-10 11:01:30' \
--data-urlencode 'sender_id=SANDBOX' \
--data-urlencode 'password=test' \
--data-urlencode 'order_id=8801835307911' \
--data-urlencode 'product_code=BPJSKS' \
--data-urlencode 'signature=9d6eede295d8865adc9eefa3fc48c059d22773338b01284eb42ab688671a7c9c'


CURL Bill Payment - BPJS Kesehatan (Indonesia's National Health Insurance)

curl --location 'https://sandbox-api.espay.id/rest/biller/paymentreport' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--header 'Authorization: Basic ZXNwYXktdGVzdDp0ZXN0' \
--header 'Cookie: sl-session=EYrJSq5K72ikNuD2E5t3Kg==' \
--data-urlencode 'rq_uuid=SANDBOXPAYMENTBILLER010102987876' \
--data-urlencode 'rq_datetime=2019-10-10 11:02:30' \
--data-urlencode 'sender_id=SANDBOX' \
--data-urlencode 'password=test' \
--data-urlencode 'order_id=8801835307911' \
--data-urlencode 'product_code=BPJSKS' \
--data-urlencode 'amount=8750000' \
--data-urlencode 'signature=f46a2c34884c3d9194140f5ab595cae393749a0c5c25f23d2ebcfec3865196d1' \
--data-urlencode 'data={
        "va_number": "8801835307911",
        "customer_id": "8801835307911",
        "customer_name": "EKO SUPRAPTO",
        "family_number": 1,
        "bill_period": 1,
        "bill_amount": 85000,
        "admin_fee": 2500,
        "amount": 87500,
        "remain_payment": 0,
        "reff_code": "00000004985600000000000000000000",
        "branch_code": "0101",
        "branch_name": "BANDA ACEH",
        "remark": ""
    }'
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