Cross Bank Transfer

BI Fast (Interbank Transfer)

BI Fast service is a disbursement method that enables interbank fund transfers in real-time, efficiently, quickly, and securely.

Before Integration
Make sure you have received the credentials from the Espay team.
Integration Steps
You can use the following steps to integrate with Cross Bank Transfer – BI Fast:
  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 External.

  1. Fund Transfer Process
Type Value
Service Code
18
Name
API Trigger Interbank 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-interbank
Production
Port of HTTPS (443)
https://api.espay.id/api/v1.0/transfer-interbank

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 Tipe Mandatory Keterangan
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
beneficiaryAccountName
String (100)
Y
Beneficiary account name.
beneficiaryAccountNo
String (16)
Y
Beneficiary account number.
beneficiaryAddress
String (100)
O
Beneficiary address.
beneficiaryBankCode
String (3)
Y
Beneficiary bank code.
beneficiaryBankName
String (100)
Y
Beneficiary bank name.
beneficiaryEmail
String (100)
O
Beneficiary email.
customerReference
String (20)
O
Unique identifier for customer.
currency
String (3)
Y
Transaction currency code.

Format:
  • Rupiah:IDR
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
feeType
String (25)
O
Transaction fee types.

Format:
  • Charged to sender: OUR
  • Charged to recipient: BEN
  • Sender charged Rp.1.000, the recipient will be charged the rest: SHA|1000
additionalInfo
Array of Object
  sourceAccountName
String (40)
C
Source account name, mandatory for Permata Bank.
  remark
String (40)
C
Transaction description, mandatory for Permata and CIMB Bank.
  sourceBankCode
String (3)
Y
Source bank code. Click here
  trxType
String (2)
C
Type of transaction, mandatory for CIMB Bank.

Format:
  • GPN: 01
  • BI FAST: 02
  proxyValue
String (62)
C
Proxy value, mandatory for CIMB Bank.

Format:
  • Initials 62: 01
  • Email format: 02
  proxyType
String (2)
C
Proxy type, mandatory for CIMB Bank.

Format:
  • Account number: ""
  • Phone number: 01
  • Email: 02
  trxPurposeCode
String (8)
C
Transaction purpose code, mandatory for CIMB Bank.

Format:
  • Investment: 01
  • Transfer og wealth: 02
  • Purchase: 03
  • Others: 99
  chargeBearerCode
String (4)
C
Code, mandatory for Permata Bank.

Fixed Value:
DEBT
  beneficiaryAccountType
String (4)
C
Beneficiary account type, mandatory for Permata Bank.

Format:
  • Current account: CACC
  • Savings Account: SVGS
  • Loan: LOAN
  • Credit Card: CCRD
  • E-Money: UESB
  • None of the above: OTHR
  purposeOfTransaction
String (2)
C
Transaction purpose code, mandatory for Permata Bank.

Format:
  • Investment: 01
  • Transfer og wealth: 02
  • Purchase: 03
  • Others: 99
  beneficiaryCustomerType
String (2)
C
Beneficiary customer type, mandatory for Permata Bank.

Format:
  • Individual: 01
  • Corporate: 02
  • Government: 03
  • Remittance: 04
  • Others: 99
  memo
String (40)
C
Remark / description, mandatory for Permata Bank.

Format:
Without special character like @, #, !, etc.
  beneficiaryCustomerResidentStatus
String (2)
C
Beneficiary customer resident status, mandatory for Permata Bank.

Format:
  • Resident: 01
  • Non-Resident: 02
  beneficiaryCustomerTownName
String (10)
C
Beneficiary customer town name, mandatory for Permata Bank.

Format:
If doesn’t exist, fill the empty string.
  swiftCode
String (8)
Y
Bank identifier code to international transaction. Click here
  transferType
String (1)
Y
Transfer type.

Format:
BI Fast: 5
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+18+00 = 2001800.
responseMessage
String (150)
Y
Response description.
partnerReferenceNo
String (64)
Y
Unique reference code from merchant.
referenceNo
String (64)
Y
Reference code from bank.
beneficiaryAccountNo
String (16)
Y
Beneficiary account number.
beneficiaryBankCode
String (8)
O
Beneficiary bank code.
sourceAccountNo
String (16)
Y
Source account number.
amount
Array of Object
  value
String (16.2)
O
Amount transaction.

Format:
Decimal .00 (ISO 4217)

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

Format:
  • Rupiah: IDR
traceNo
String (16)
O
Number to track the transaction.
additionalInfo
Array of Object
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:LbVH9JjY59G+ZgWXmvX/pUwCuswiBuw/w1I2Y+EOITaA/Tp2sYYYdcF1rKrbHI6Kz9sVZPlFOadbN/o7iPcRTJ0s71Kwi+/jWlM5qRw1IoZRnDkKYPRLehX2F7mlOLz5jOTWaDPeqI2rXOcF/yvASdWCwSY/gdutw4rDs9RYAv815j3pbOYNpYyvCHJgMjbJ2r2A191CWwnRzAFnOGJHJqgu1XebCdF44WhiQPDmf2IGonYzQZXS/Or1G8jRxC8PQ+L0/7TQOxI17evxAYZ4QYqUN4s17xALxX89aSgfA3yZYCqY5wq0/BJBXq4mxAUkR3QZ0dVoQMwse1WrFGPVhQ==
X-EXTERNAL-ID:a948d7db-1b8a-4f38-abc7-a9d68c245372
X-PARTNER-ID:SGWYESSISHOP
CHANNEL-ID:ESPAY
Authorization:Bearer 0BtYxiGK6LGLRlCM4fd5x7F6iiZRCRszYlbRXeVKirBJzPyXMobQ+y3G7NG7GNqdIQAXsyMF3dWusX9j/ifJWg==
































Sample Request

{
    "partnerReferenceNo": "523525234423423",
    "amount": {
        "value": "10000.00",
        "currency": "IDR"
    },
    "beneficiaryAccountName": "Yories Yolanda",
    "beneficiaryAccountNo": "888801901234567",
    "beneficiaryAddress": "Palembang",
    "beneficiaryBankCode": "002",
    "beneficiaryBankName": "Bank BRI",
    "beneficiaryEmail": "yories.yolanda@work.bri.co.id",
    "customerReference": "100520138",
    "currency": "IDR",
    "sourceAccountNo": "988901000187608",
    "transactionDate": "2024-03-14T07:49:28+07:00",
    "feeType": "BEN",
    "additionalInfo": {
        "sourceAccountName": "PT ABC",
        "remark": "Pencairan Dana",
        "sourceBankCode": "013",
        "chargeBearerCode": "DEBT",
        "beneficiaryAccountType": "SVGS",
        "purposeOfTransaction": "01",
        "beneficiaryCustomerType": "01",
        "memo": "Pemindahan Dana",
        "beneficiaryCustomerResidentStatus": "1",
        "beneficiaryCustomerTownName": "",
        "swiftCode": "BRINIDJA",
        "transferType": "5"
    }
}












































































































































Sample Positive Response

{
    "responseCode": "2001800",
    "responseMessage": "Successful",
    "partnerReferenceNo": "2022091935776601369723117385",
    "referenceNo": "22091901021167",
    "beneficiaryAccountNo": "0611116411",
    "beneficiaryBankCode": "002",
    "sourceAccountNo": "0613008753",
    "amount": {
        "value": "892356.00",
        "currency": "IDR"

    },
    "traceNo": "1781927843",
    "additionalInfo": {}
}


Sample Negative Response

{
    "responseCode": "4011801",
    "responseMessage": "Invalid Token (B2B)"
}


CURL

curl --location 'https://sandbox-api.espay.id/api/v1.0/transfer-interbank' \
--header 'Content-Type: application/json' \
--header 'X-TIMESTAMP: 2024-03-14T07:49:28+07:00' \
--header 'X-PARTNER-ID: SGWYESSISHOP' \
--header 'X-SIGNATURE: LbVH9JjY59G+ZgWXmvX/pUwCuswiBuw/w1I2Y+EOITaA/Tp2sYYYdcF1rKrbHI6Kz9sVZPlFOadbN/o7iPcRTJ0s71Kwi+/jWlM5qRw1IoZRnDkKYPRLehX2F7mlOLz5jOTWaDPeqI2rXOcF/yvASdWCwSY/gdutw4rDs9RYAv815j3pbOYNpYyvCHJgMjbJ2r2A191CWwnRzAFnOGJHJqgu1XebCdF44WhiQPDmf2IGonYzQZXS/Or1G8jRxC8PQ+L0/7TQOxI17evxAYZ4QYqUN4s17xALxX89aSgfA3yZYCqY5wq0/BJBXq4mxAUkR3QZ0dVoQMwse1WrFGPVhQ==' \
--header 'X-EXTERNAL-ID: a948d7db-1b8a-4f38-abc7-a9d68c245372' \
--header 'CHANNEL-ID: ESPAY' \
--header 'Authorization: Bearer 0BtYxiGK6LGLRlCM4fd5x7F6iiZRCRszYlbRXeVKirBJzPyXMobQ+y3G7NG7GNqdIQAXsyMF3dWusX9j/ifJWg==' \
--data '{
  {
    "partnerReferenceNo": "523525234423423",
    "amount": {
      "value": "10000.00",
      "currency": "IDR"
    },
    "beneficiaryAccountName": "Yories Yolanda",
    "beneficiaryAccountNo": "888801901234567",
    "beneficiaryAddress": "Palembang",
    "beneficiaryBankCode": "002",
    "beneficiaryBankName": "Bank BRI",
    "beneficiaryEmail": "yories.yolanda@work.bri.co.id",
    "customerReference": "100520138",
    "currency": "IDR",
    "sourceAccountNo": "988901000187608",
    "transactionDate": "2024-03-14T07:49:28+07:00",
    "feeType": "BEN",
    "additionalInfo": {
      "sourceAccountName": "PT ABC",
      "remark": "Pencairan Dana",
      "sourceBankCode": "013",
      "chargeBearerCode": "DEBT",
      "beneficiaryAccountType": "SVGS",
      "purposeOfTransaction": "01",
      "beneficiaryCustomerType": "01",
      "memo": "Pemindahan Dana",
      "beneficiaryCustomerResidentStatus": "1",
      "beneficiaryCustomerTownName": "",
      "swiftCode": "BRINIDJA",
      "transferType": "5"
    }
  }
}'
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