Biller Products

Insurance

Espay provides an API to process insurance payments online. For integration, you only need to use the Bill Payment service without going through the Bill Inquiry process. Learn more about Biller Product | Bill Payment. Learn more about Bill Product | Bill Payment.
Download the Postman collection – Insurance here.

Espay menyediakan API untuk memproses pembayaran Asuransi secara online. Jenis transaksi yang ada pada kode produk Asuransi yaitu PAYMENT. Dimana, proses integrasi hanya membutuhkan service Bill Payment.

Dalam integrasi ini, terdapat dua mekanisme yang diterapkan tergantung pada provider yang digunakan:

  1. Direct Payment – Pembayaran dapat dilakukan langsung tanpa perlu mengirim permintaan Bill Inquiry.
  2. Inquiry-Based Payment – Diperlukan permintaan Bill Inquiry terlebih dahulu untuk mendapatkan detail transaksi sebelum melanjutkan ke Bill Payment.

Untuk mengetahui mekanisme yang digunakan, silakan lihat tabel kode produk yang tersedia.

Product Codes



Bill Payment Sinarmas Life

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: 240
  
rq_uuid=SANDBOXPAYMENTBILLER0101011921&
rq_datetime=2019-10-10%2011%3A02%3A30&
sender_id=SANDBOX&
password=test&
order_id=4111111111&
product_code=STASMF&
amount=100000000&
signature=f46a2c34884c3d9194140f5ab595cae393749a0c5c25f23d2ebcfec3865196d1


Sample Positive Response

{
   "rq_uuid":"SANDBOXPAYMENTBILLER0101011921",
   "rs_datetime":"2025-02-14 14:40:26",
   "error_code":"0000",
   "error_desc":"Success",
   "order_id":"4111111111",
   "ref_id":"20250214144025",
   "data":{
      "customer_id":"4111111111",
      "amount":"000000100000"
   },
   "bankFee":0,
   "mwData":"{\"ftbpTraceNo\":\"658749\"}",
   "barcode_fee":""
}


Sample Negative Response

{
   "rq_uuid":"SANDBOXPAYMENTBILLER010101192",
   "rs_datetime":"2025-02-14 14:40:01",
   "error_code":210,
   "error_desc":"UUID already exist"
}


HTTP

POST /rest/biller/paymentreport HTTP/1.1
Host: sandbox-api.espay.id
Content-Type: application/x-www-form-urlencoded
Authorization: Basic ZXNwYXktdGVzdDp0ZXN0
Content-Length: 239

rq_uuid=SANDBOXPAYMENTBILLER010101192&rq_datetime=2019-10-10%2011%3A02%3A30&sender_id=SANDBOX&password=test&order_id=4111111111&product_code=STASMF&amount=100000000&signature=f46a2c34884c3d9194140f5ab595cae393749a0c5c25f23d2ebcfec3865196d1


CURL

curl --location 'https://sandbox-api.espay.id/rest/biller/paymentreport' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--header 'Authorization: Basic ZXNwYXktdGVzdDp0ZXN0' \
--data-urlencode 'rq_uuid=SANDBOXPAYMENTBILLER010101192' \
--data-urlencode 'rq_datetime=2019-10-10 11:02:30' \
--data-urlencode 'sender_id=SANDBOX' \
--data-urlencode 'password=test' \
--data-urlencode 'order_id=4111111111' \
--data-urlencode 'product_code=STASMF' \
--data-urlencode 'amount=100000000' \
--data-urlencode 'signature=f46a2c34884c3d9194140f5ab595cae393749a0c5c25f23d2ebcfec3865196d1'
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