External Transfer

Inquiry Account External

Inquiry Account External is a service used to verify the validity of the destination (beneficiary) account number at a bank that is different from the source account.

Type Value
Service Code
16
Nama
API External Account Inquiry
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/account-inquiry-external
Production
Port of HTTPS (443)
https://api-merchant.espay.id/api/v1.0/account-inquiry-external

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.
beneficiaryBankCode
String (3)
Y
Beneficiary bank code.
beneficiaryAccountNo
String (16)
Y
Beneficiary account number.
additionalInfo
Array of Object
O
  amount
Array of Object
Y
    value
String (16.2)
Y
Amount transaction.

Format:
Desimal .00 (ISO 4217)

Example:
150000.00
    currency
String (4)
Y
Transaction currency code.

Format:
  • Rupiah: IDR
  accountNo
String (50)
Y
Source account.

Fixed Value:
PTPLUS
  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
  transferType
String (1)
C
Type of transfer, mandatory for OCBC Bank.

Format:
  • SKN: 1
  • RTGS: 2
  • Interbank: 3
  • BI Fast: 5
  referenceNo
String (64)
C
Reference code from bank. Mandatory if sourceBankCode = 028.
  sourceBankCode
String (3)
Y
Source bank code.

Format:
  • Permata: 013
  • OCBC: 028
  sourceAccountNo
String (6)
Y
Source account.

Value:
PTPLUS
Parameter Type Mandatory Description
partnerReferenceNo
String (32)
Y
Unique reference code from merchant.
beneficiaryBankCode
String (3)
Y
Beneficiary bank code.
beneficiaryAccountNo
String (16)
Y
Beneficiary account number.
additionalInfo
Array of Object
O
  accountNo
String (50)
Y
Source account number.
  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
  referenceNo
String (64)
C
Reference code from bank. Mandatory if sourceBankCode = 028.
transferType
String (1)
C
Type of transfer, mandatory for OCBC Bank.

Format:
  • SKN: 1
  • RTGS: 2
  • Interbank: 3
  • BI Fast: 5
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+16+00 = 2001600.
responseMessage
String (150)
Y
Response description.
referenceNo
String (64)
C
Reference code from bank. Mandatory if sourceBankCode = 028
partnerReferenceNo
String (64)
Y
Unique reference code from merchant.
beneficiaryAccountName
String (100)
Y
Beneficiary account name.
beneficiaryAccountNo
String (16)
Y
Beneficiary account number.
beneficiaryBankCode
String (3)
O
Beneficiary bank code.
beneficiaryBankName
String (100)
O
Beneficiary bank name.
additionalInfo
Array of Object
  trxType
String (2)
Y
Transaction type.
  beneficiaryAccountType
String (6)
Y
Account type.
  currency
String (3)
Y
Transaction currency code.

Format:
  • Rupiah: IDR
Y: Yes, O: Optional, C: Conditional

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:PESpyuSye0sRLnJybkhyDhlqk+1SIlys3a9dfezLWg1EIv7eru9r1cExovkGaammOm3Qp0wMxnaMBwfTI8oRoZRvwtIFjZOotIlexaXRzlfCmm3xtmKP/NFbm4XrqN4eEd6WM5Prldpza1hd68kUbvAU4Jbwtih+rDmPTKcaogftYfE/qHQpZ50ZMqHQsyjSQlonQDulp5xZvzixKT+Tp9CxabJM4YlRtn06hQeIb21Ybc17SrRmO9JyhndEoSCVVSFcvwfXPTYuAyMnXwRLax2zwROLeonvboVjKY7RuCCwSCwIu+S+aSQXBlHixI5c/gKRl3eDC3E2aMmfbiQWiA==
X-EXTERNAL-ID:c3b32464-620c-4cd2-89f9-54e49da20d93
X-PARTNER-ID:SGWYESSISHOP
CHANNEL-ID:ESPAY




































Sample Request

{
   "partnerReferenceNo":"2022029-EXT-ACCT-008",
   "beneficiaryBankCode":"016",
   "beneficiaryAccountNo":"41237031",
   "additionalInfo":{
      "amount":{
         "value":"10000.00",
         "currency":"IDR"
      },
      "accountNo":"PTPLUS",
      "trxType":"02",
      "proxyValue":"",
      "proxyType":"",
      "trxPurposeCode":"01",
      "transferType":"5",
      "sourceBankCode":"013",
      "sourceAccountNo":"PTPLUS"
   }
}








































Sample Positive Response

{
   "responseCode":"2001600",
   "responseMessage":"Successful",
   "partnerReferenceNo":"20220929925496169629",
   "referenceNo":"22091901021167",
   "beneficiaryAccountName":"NAMA SIMULATOR RINTIS",
   "beneficiaryAccountNo":"41237031",
   "beneficiaryBankCode":"016",
   "beneficiaryBankName":"MAYBANK INDONESIA ",
   "additionalInfo":{
      "trxType":"02",
      "beneficiaryAccountType":"SVGS",
      "currency":"IDR"
   }
}


Sample Negative Response

{
    "responseCode": "4011601",
    "responseMessage": "Invalid Token (B2B)"
}


HTTP

POST /api/v1.0/account-inquiry-external HTTP/1.1
Host: sandbox-api.espay.id
Content-Type: application/json
X-TIMESTAMP: 2024-03-14T07:49:28+07:00
X-SIGNATURE: PESpyuSye0sRLnJybkhyDhlqk+1SIlys3a9dfezLWg1EIv7eru9r1cExovkGaammOm3Qp0wMxnaMBwfTI8oRoZRvwtIFjZOotIlexaXRzlfCmm3xtmKP/NFbm4XrqN4eEd6WM5Prldpza1hd68kUbvAU4Jbwtih+rDmPTKcaogftYfE/qHQpZ50ZMqHQsyjSQlonQDulp5xZvzixKT+Tp9CxabJM4YlRtn06hQeIb21Ybc17SrRmO9JyhndEoSCVVSFcvwfXPTYuAyMnXwRLax2zwROLeonvboVjKY7RuCCwSCwIu+S+aSQXBlHixI5c/gKRl3eDC3E2aMmfbiQWiA==
X-EXTERNAL-ID: c3b32464-620c-4cd2-89f9-54e49da20d93
X-PARTNER-ID: SGWYESSISHOP
CHANNEL-ID: ESPAY
Content-Length: 327

{
   "partnerReferenceNo":"2022029-EXT-ACCT-008",
   "beneficiaryBankCode":"016",
   "beneficiaryAccountNo":"41237031",
   "additionalInfo":{
      "amount":{
         "value":"10000.00",
         "currency":"IDR"
      },
      "accountNo":"PTPLUS",
      "trxType":"02",
      "proxyValue":"",
      "proxyType":"",
      "trxPurposeCode":"01",
      "transferType":"5",
      "sourceBankCode":"013",
      "sourceAccountNo":"PTPLUS"
   }
}


CURL

curl --location 'https://sandbox-api.espay.id/api/v1.0/account-inquiry-external' \
--header 'Content-Type: application/json' \
--header 'X-TIMESTAMP: 2024-03-14T07:49:28+07:00' \
--header 'X-SIGNATURE: PESpyuSye0sRLnJybkhyDhlqk+1SIlys3a9dfezLWg1EIv7eru9r1cExovkGaammOm3Qp0wMxnaMBwfTI8oRoZRvwtIFjZOotIlexaXRzlfCmm3xtmKP/NFbm4XrqN4eEd6WM5Prldpza1hd68kUbvAU4Jbwtih+rDmPTKcaogftYfE/qHQpZ50ZMqHQsyjSQlonQDulp5xZvzixKT+Tp9CxabJM4YlRtn06hQeIb21Ybc17SrRmO9JyhndEoSCVVSFcvwfXPTYuAyMnXwRLax2zwROLeonvboVjKY7RuCCwSCwIu+S+aSQXBlHixI5c/gKRl3eDC3E2aMmfbiQWiA==' \
--header 'X-EXTERNAL-ID: c3b32464-620c-4cd2-89f9-54e49da20d93' \
--header 'X-PARTNER-ID: SGWYESSISHOP' \
--header 'CHANNEL-ID: ESPAY' \

--data '{
   "partnerReferenceNo":"2022029-EXT-ACCT-008",
   "beneficiaryBankCode":"016",
   "beneficiaryAccountNo":"41237031",
   "additionalInfo":{
      "amount":{
         "value":"10000.00",
         "currency":"IDR"
      },
      "accountNo":"PTPLUS",
      "trxType":"02",
      "proxyValue":"",
      "proxyType":"",
      "trxPurposeCode":"01",
      "transferType":"5",
      "sourceBankCode":"013",
      "sourceAccountNo":"PTPLUS"
   }
}'
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