External Transfer

Transfer Confirmation

Transfer Confirmation is a service used by Espay Disbursement to retrieve transaction details. Register your Transfer Confirmation URL with Espay following the predefined format. This service is mandatory for those using BI Fast, Transfer, RTGS, or SKN services.
Type Value
Service Code
70
Name
Transfer Credit Confirmation
HTTP Method
POST

Flow

Espay Disbursement will send a request to your server via the Transfer Confirmation URL registered on the Espay when a new transaction occurs. You are required to respond in JSON using the provided format.

API URL

URL Merchant Endpoint Description
https://yourdomain.com
.../api/v1.0/transfer-confirmation
Merchant domain URL.
Port of HTTPS (443).
TLS 1.2

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.
merchantId
String (32)
Y
Merchant code from Espay team.

Example:
SGWYESSISHOP
amount
Array of Object
  value
String (16.2)
Y
Amount transaction.

Format:
Desimal .00 (ISO 4217)

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

Format:
  • Rupiah: IDR
sourceAccountNo
String (64)
O
Source account number.

Format:
Hashing sha256 sourceAccountNo + partnerReferenceNo
sourceBankCode
String (3)
O
Source bank code. See the list of product codes here.

Format:
Hashing sha256 sourceBankCode + partnerReferenceNo.
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+70+00 = 2007000.
responseMessage
String (100)
Y
Response description.
partnerReferenceNo
String (32)
Y
Unique reference code from merchant.
amount
Array of Object.
  value
String (16.2)
Y
Amount transaction.

Format:
Desimal .00 (ISO 4217)

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

Format:
  • Rupiah: IDR
transactionDate
String (25)
Y
Date and time from merchant.

Format:
yyyy-MM- ddThh:mi:ssTZD (ISO 8601).

Example:
2022-08-21T14:56:11+07:00
beneficiaryAccountNo
String (64)
Y
Beneficiary account number.

Format
Hashing sha256 beneficiaryAccountNo + partnerReferenceNo
beneficiaryBankCode
String (64)
Y
Beneficiary bank code.

Format
Hashing sha256 beneficiaryBankCode + partnerReferenceNo
beneficiaryAccountName
String (64)
Y
Beneficiary account name.

Format
Hashing sha256 beneficiaryAccountName + partnerReferenceNo
sourceBankCode
String (64)
O
Source bank code.

Format
Hashing sha256 sourceBankCode + partnerReferenceNo
sourceAccountNo
String (64)
O
Source account number.

Format:
Hashing sha256 sourceAccountNo + partnerReferenceNo
Y: Yes, O: Optional, C: Conditional

Pendaftaran URL

Pastikan format URL dan respons yang Anda buat sudah sesuai dengan panduan dokumentasi ini. Selanjutnya, segera daftarakan URL Transfer Confirmation Anda melalui portal Sandbox Espay. Baca cara menambahkan URL disini.



































Sample Headers

Content-Type: application/json
X-TIMESTAMP: 2025-11-24T14:13:48+07:00
X-ORIGIN: api.espay.id
X-SIGNATURE: X5bFkGFAsx64TwleSGSVR1x7KCaknwcCiwBXUJP0OFKn2CXUqe6IQuYPwI85mCT5dBMWOlDax/5mZnLzPDtvaKsxOXPGvn16/069WQcZ/C1wT8rlwGBB7O8xmS3JjOPweirmieUpY7PG6s/WdRj4rcVpyGy2rBAiBXmJIdwxw/1lvI5oH4sWnmiUDs+5JDWP5U7fGTjj4gSpzNCl15MFeYA32686NYWxZMofE84UD3E0O3OXBEmu78qlbXYlz4l8cQyNs7w3Wf4Za3NMoiGF82esqOltEN0os5smqgrPAH/KfEgjerST5eZJlwcXokcrek3UK7ecAmnBdkwjWaPGVw==
CHANNEL-ID: ESPAY
X-EXTERNAL-ID: a699352d-48c9-40ac-ac1a-b4db4a37a3f6
X-PARTNER-ID: SGWMERCHANTESPAY



































Sample Request

{
    "partnerReferenceNo": "PI1760427801K7FFBFST08TST0047",
    "merchantId": "SGWMERCHANTESPAY",
    "amount": {
        "value": "300000.00",
        "currency": "IDR"
    },
    "sourceAccountNo": "66e7ccabdf6c342a0744091a860987f8ac7f9a1fb601cba9ea4a952c87e973be",
    "sourceBankCode": "e2a2dfd5d7273cff3c709982c2dfe6e861f32650d82248b1d4a1dc57024ec284"
}






























Sample Positive Response

{
    "responseCode": "2007000",
    "responseMessage": "Successful",
    "partnerReferenceNo": "PI1760427801K7FFBFST08TST0047",
    "amount": {
        "value": "300000.00",
        "currency": "IDR"
    },
    "transactionDate": "2025-11-24 14:13:48",
    "beneficiaryAccountNo": "9554f22685f027878789544c1703509d524c55f5929b5a3b2ba8ab3e5a8cf6a5",
    "beneficiaryBankCode": "f161d6f36c1c08da1997d4cc608c72fc53f63de95d6ff9f22abed9fca5ceeff1",
    "beneficiaryAccountName": "8bc17ff44a8d054140e5f7724f4828fa5ad0d8c8216247f59729228d400b5def",
    "sourceBankCode": "e2a2dfd5d7273cff3c709982c2dfe6e861f32650d82248b1d4a1dc57024ec284",
    "sourceAccountNo": "66e7ccabdf6c342a0744091a860987f8ac7f9a1fb601cba9ea4a952c87e973be"
}


HTTP

POST /api/v1.0/transfer-confirmation
HTTP/1.1
Host: {{domain merchant}}


CURL

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