Linkage

Account Binding

Account Binding merupakan layanan yang disediakan untuk Anda yang akan menggunakan layanan Direct Debit atau Linkage. Untuk dapat terhubung dengan layanan tersebut, Anda perlu mendaftarkan data customer, kemudian akan diverifikasi dan divalidasi untuk memastikan keakuratannya.
Tipe Value
Kode Layanan
07
Nama
API Account Binding
HTTP Method
POST

Flow

Anda melakukan permintaan dengan mengirimkan parameter yang dibutuhkan, dan Espay Payment Gateway akan memberikan respons dalam bentuk JSON.

API URL

Environment URL
Sandbox
Port of HTTPS (443)
https://sandbox-api.espay.id/apidirectdebit/v1.0/debit/registra tion-account-binding
Production
Port of HTTPS (443)
https://api.espay.id/apidirectdebit/v1.0/debit/registra tion-account-binding
Nama Tipe Mandatory Keterangan
Content-Type
String
Y
Isi konten permintaan Anda.

Contoh:
application/json
X-TIMESTAMP
String (25)
Y
Tanggal dan waktu lokal customer saat ini.

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

Contoh:
2024-03-14T07:49:28+07:00
X-SIGNATURE
String (255)
Y
Kode yang digunakan untuk melakukan validasi transaksi. Pelajari Signature Asymmetric
X-EXTERNAL-ID
String (32)
Y
String Numerik. Kode referensi yang bersifat unik pada hari yang sama.
X-PARTNER-ID
String (50)
Y
Merchant code yang diberikan oleh tim Espay.
CHANNEL-ID
String (5)
Y
Kode channel.

Value:
ESPAY
Authorization-Customer
String (150)
C
Kode token B2B2C. Khusus Espay -> Bank.
Y: Yes, O: Optional, C: Conditional

Parameter Permintaan

Parameter Tipe Mandatory Keterangan
partnerReferenceNo
String (64)
Y
Kode unik untuk mengidentifikasi pesanan / penagihan / faktur.

Contoh:
Nomor transaksi, invoice id, dll.
merchantId
String (64)
Y
Kode partner.

Value:
"ESPAY"
phoneNo
String (13)
Y
No handphone customer.
authCode
String (128)
Y
Kode otorisasi dari Get Auh Code.
additionalInfo
Object
  productCode
String (16)
Y
Kode produk. Lihat disini
  accountToken
String (64)
Y
ID customer yang terdaftar.
  ktpFile
base64encoded
C
KTP atau Kartu Identitas dalam bentuk gambar.

Format:
  • Base64 encoded.
  • Batas maksimal compress sampai 50kb).
  npwpFile
base64encoded
C
NPWP dalam bentuk gambar.

Format:
  • Base64 encoded.
  • Batas maksimal compress sampai 50kb).
  pdfFile
base64encoded
C
File PDF.

Format:
  • Base64 encoded.
  amount
String (16.2)
C
    value
String (16.2)
C
Jumlah binding.

Format:
Desimal .00 (ISO 4217)

Contoh:
150000.00
    currency
String (3)
C
Kode mata uang transaksi.

Format:
  • Rupiah: IDR
  customerAccountNumber
String (24)
C
Nomor rekening customer untuk binding.
  customerName
String (100)
C
Nama akun customer.
  debitType
String (1)
C
Tipe debit.

Format:
  • Fix: F
    Jika debitType = F, maka jumlah “nominal transaksi”.
  • Variable: V
    Jika debitType = V, maka jumlah “0”.
Y: Yes, O: Optional, C: Conditional

Parameter Respons

Parameter Tipe Mandatory Keterangan
responseCode
String (7)
Y
Kode respons.

Format:
Kode HTTP + Kode Layanan + Kode Error

Contoh:
200+07+00 = 2000700.
responseMessage
String (150)
Y
Deskripsi respons.
referenceNo
String (64)
C
ID unik yang dibuat oleh Saldomu.
AdditionalInfo
Object
  accountInfo
Object
    accountType
String (64)
O
Tipe akun.
    accountId
String (64)
O
Nomor akun.
linkId
String (64)
O
ID link.
accountToken
String (64)
O
ID customer yang terdaftar.
redirectUrl
String (255)
O
URL untuk halaman persetujuan atau PIN.
Y: Yes, O: Optional, C: Conditional































Contoh Header

Content-Type:application/json
X-TIMESTAMP:2024-03-14T07:49:28+07:00
X-SIGNATURE:jaCUbDOSIjFcDaZ1rO0aCczJrWSfV0wAXVi/zOLlOLOIVH00gucOSOnHpKTARwpnn6qB08Vi8VJviNhIQh1q6zVJAwdhxnHRlwNFa28IVFTtSmD4nXPWT3LsuYuFPNDGJ59/MgKMVjwIofYvq2dwOHoDi9rnyT3nPl7N2bRdIQceQlD6sITcqdEbRUlm+zTFB2MxNy4vFaEZz1LU8fsENp+giMNqxR26DsNcRj1K8JBXO6nY8q2m3jmTmiduXK5VZXxt/5v6bp+OlYCwJhn3hmdZD1zwC3Hu6qZcCIhO6IVe0ThSCfsaCdye9o/Ew6VdMWbTtQUoR983mq6MubLmzg==
X-EXTERNAL-ID:d3be5aec-155b-4b46-bfee-3fd55363d0f4
X-PARTNER-ID:SGWYESSISHOP
CHANNEL-ID:ESPAY

































Contoh Permintaan

{
    "partnerReferenceNo": "156436436456544",
    "merchantId": "ESPAY",
    "phoneNo": "087888XXXXX",
    "authCode": "YT1Ex4UGXzAcxw5Ve8l4QNLH2GmGPN",
    "additionalInfo": {
        "productCode": "DANAMONDIRECTDEBIT",
        "accountToken": "ESP230929094046rRD5mCT1IZkrBhJb5",
        "ktpFile":"data:image/jpeg;base64,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 AWbflLMDkEMX/F6/YjK/pADFQAUNA6alYagKk72m/j9p4Bq2fDDSYKLNXPNLoHE/NT6RYC31cJxZ3yWVM+aBYi/S2ZgiAsnYJx5D21vPmqrm3PTfpQQwyAC8JZvSKDni41ZrMuUVVl+Uz9 w9v/1QWrZsZ5nFPHYH+JZyureQSF5M+fJ0CAfwRAVRBQA1DAWVUayoJUWoDpsxntPsueBV4 +Vxhd+IusqCrv5ZEUVOk1RuJfwSLOOkGFi4XPCoYYrNiKauosBGi9ICstM1UAAAAAAFQ0Vc TBAXUGgIqGoKhKAzRRUQUAwxoSrGRpkQA/qiosOL9oJptMRRVZa0VUqSiChE6BqMgCwqKqI ogAIAqKCKgKoogg0lBFuIKgAAAKNRlf2gqsftsEtZWoAAqAACKoMqAAeSoqp39kL2AqLOlE 8rEBFQARYALhigrNC9gGmooLp4TweEQFFBFAECgIoAu0ifIAqAAA//9k=",
        "npwpFile":"data:image/jpeg;base64,/9j/4AAQSkZJRgABAQEASABIAAD/2wBD AP//////////////////////////////////////////////////////////////////////////////////////2wBDAf/////////////////////////////////////////////////////////////////////////////////////wAARCADqATkDASIAAhEBAxEB/8QAFwABAQEBAAAAAAAAAAAAAAAAAAECA//EACQQAQEBAAIBBAMBAQEBAAAAAAABESExQQISUXFhgZGxocHw/8QAFQEBAQAAAAAAAAAAAAAAAAAAAAH/xAAWEQEBAQAAAAAAAAAAAAAAAAAAEQH/2gAMAwEAAhEDEQA/AMriLyCKgg1gQwCgs4FTMOdutepjQak+FzMSVqgxZdRdPPIIvH5WzzGdBriphtTeAXg2ZjKA1pqKDUGZca3foBek8gFv8Ie3fKdA1qb8s7hoL6eLVt51FsAnql3Ut1M7A WbflLMDkEMX/F6/YjK/pADFQAUNA6alYagKk72m/j9p4Bq2fDDSYKLNXPNLoHE/NT6RYC31cJxZ3yWVM+aBYi/S2ZgiAsnYJx5D21vPmqrm3PTfpQQwyAC8JZvSKDni41ZrMuUVVl+Uz9w 9v/1QWrZsZ5nFPHYH+JZyureQSF5M+fJ0CAfwRAVRBQA1DAWVUayoJUWoDpsxntPsueBV4+ AgL0CAAAALiANCKioNLgM1CrLihmTafkt1EF3SZ5ZVUW4mnIKvAi5fhEURVDWVQBRAAAAAA AAQFRVyAyulgAqCKlF8IqLsEgC9mGoC+IusqCrv5ZEUVOk1RuJfwSLOOkGFi4XPCoYYrNiK auosBGi9ICstM1UAAAAAAFQ0VcTBAXUGgIqGoKhKAzRRUQUAwxoSrGRpkQA/qiosOL9oJpt MRRVZa0VUqSiChE6BqMgCwqKqIogAIAqKCKgKoogg0lBFuIKgAAAKNRlf2gqsftsEtZWoAA qAACKoMqAAeSoqp39kL2AqLOlE8rEBFQARYALhigrNC9gGmooLp4TweEQFFBFAECgIoAu0ifIAqAAA//9k=",
        "pdfFile": "data:application/pdf;base64,JVBERi0xLjcNCiW1tbW1DQoxID Agb2JqDQo8PC9UeXBlL0NhdGFsb2cvUGFnZXMgMiAwIFIvTGFuZyhlbikgL1N0cnVjdFRyZ WVSb290IDE1IDAgUi9NYXJrSW5mbzw8L01hcmtlZCB0cnVlPj4vTWV0YWRhdGEgMjcgMCBS L1ZpZXdlclByZWZlcmVuY2VzIDI4IDAgUj4+DQplbmRvYmoNCjIgMCBvYmoNCjw8L1R5cGU +PDg4Q0RCRTBCODY2MDkzNDZBRTc1MzE3RTExNTgyNUNBPl0gPj4NCnN0YXJ0eHJlZg0KMT UwNzYNCiUlRU9GDQp4cmVmDQowIDANCnRyYWlsZXINCjw8L1NpemUgMzAvUm9vdCAxIDAgU i9JbmZvIDE0IDAgUi9JRFs8ODhDREJFMEI4NjYwOTM0NkFFNzUzMTdFMTE1ODI1Q0E+PDg4 Q0RCRTBCODY2MDkzNDZBRTc1MzE3RTExNTgyNUNBPl0gL1ByZXYgMTUwNzYvWFJlZlN0bSA xNDc2OD4+DQpzdGFydHhyZWYNCjE1ODMzDQolJUVPRg==",
        "amount": {
            "value": "150000.00",
            "currency": "IDR"
        },
        "customerAccountNumber": "108909378902",
        "customerName": "Jhon Doe",
        "debitType": "V"
    }
}




























































Contoh Respons

{
    "responseCode": "2000700",
    "responseMessage": "Successful",
    "referenceNo": "6285156503065",
    "additionalInfo": {
        "accountInfo": {
            "accountType": "ACCOUNT",
            "accountId": "00******0812"
        }
    },
    "linkId": "83d5fa51aec3dc8",
    "accountToken": "ESP230929094046rRD5mCT1IZkrBhJb5",
    "redirectUrl": "https://google.com"
}





CURL


curl --location 'https://sandbox-api.espay.id/apidirectdebit/v1.0/debit/registration-account-binding' \
--header 'X-TIMESTAMP: 2024-03-14T07:49:28+07:00' \
--header 'X-SIGNATURE: k11fOnIYrNxeTZzeCOYmrE6DID3nNvdloeSMGqOLDrio/LLTwI2xCvfzXoi2ZX5eGJ9McYaD1P6FZqmzTYJIcWVz8HGFRUmpWZkutSuH48daQfq3zSpjXm6lbp8sT/ch2fdnjjZh0SZBjbijKaWt9Ci4Kw0e370fi1fTy9/XBPTQ+A0r49yB88aPQ7Nbw9HEzZAKdKLx9d1r3QkYC2Nc+eJFTP/GM/Z8JwX0o5hkTIWuVjk3Jg/gzsLr3CVKEoC2scJjwEKZ+BA+W0pn2Iznqfcpj0TkuA3UwXUcAWdNi70JzfGOrL3wArpyHeU7rxCzbvJlmRJBqurVlzyEm66XxQ==' \
--header 'X-EXTERNAL-ID: 5e33f700-4eef-4f8b-96b2-572156b0b360' \
--header 'X-PARTNER-ID: SGWYESSISHOP' \
--header 'CHANNEL-ID: ESPAY' \
--header 'Content-Type: application/json' \
--data '{
    "partnerReferenceNo":"156436436456544",
    "merchantId":"ESPAY",
    "phoneNo":"0896227489011",
    "authCode":"YT1Ex4UGXzAcxw5Ve8l4QNLH2GmGPN",
    "additionalInfo":{
        "productCode":"DANAMONDIRECTDEBIT",
        "accountToken":"ESP230929094046rRD5mCT1IZkrBhJb5",
        "ktpFile":"data:image/jpeg;base64,/9j/4AAQSkZJRgABAQEASABIAAD/2wBDAwAARCADqATkDASIAAhEBAxEB/8QAFwAB AQEBAAAAAAAAAAAAAAAAAAECA//EACQQAQEBAAIBBAMBAQEBAAAAAAABESExQQISUXFhgZG xocHw/8QAFQEBAQAAAAAAAAAAAAAAAAAAAAH/xAAWEQEBAQAAAAAAAAAAAAAAAAAAEQH/2g AMAwEAAhEDEQA/AMriLyCKgg1gQwCgs4FTMOdutepjQak+FzMSVqgxZdRdPPIIvH5WzzGdB riphtTeAXg2ZjKA1pqKDUGZca3foBek8gFv8Ie3fKdA1qb8s7hoL6eLVt51FsAnql3Ut1M7 AWbflLMDkEMX/F6/YjK/pADFQAUNA6alYagKk72m/j9p4Bq2fDDSYKLNXPNLoHE/NT6RYC3 1cJxZ3yWVM+aBYi/S2ZgiAsnYJx5D21vPmqrm3PTfpQQwyAC8JZvSKDni41ZrMuUVVl+Uz9 w9v/1QWrZsZ5nFPHYH+JZyureQSF5M+fJ0CAfwRAVRBQA1DAWVUayoJUWoDpsxntPsueBV4 +Vxhd+IusqCrv5ZEUVOk1RuJfwSLOOkGFi4XPCoYYrNiKauosBGi9ICstM1UAAAAAAFQ0Vc TBAXUGgIqGoKhKAzRRUQUAwxoSrGRpkQA/qiosOL9oJptMRRVZa0VUqSiChE6BqMgCwqKqI ogAIAqKCKgKoogg0lBFuIKgAAAKNRlf2gqsftsEtZWoAAqAACKoMqAAeSoqp39kL2AqLOlE 8rEBFQARYALhigrNC9gGmooLp4TweEQFFBFAECgIoAu0ifIAqAAA//9k=",
        "npwpFile":"data:image/jpeg;base64,/9j/4AAQSkZJRgABAQEASABIAAD/2wBD ocHw/8QAFQEBAQAAAAAAAAAAAAAAAAAAAAH/xAAWEQEBAQAAAAAAAAAAAAAAAAAAEQH/2gA MAwEAAhEDEQA/AMriLyCKgg1gQwCgs4FTMOdutepjQak+FzMSVqgxZdRdPPIIvH5WzzGdBr iphtTeAXg2ZjKA1pqKDUGZca3foBek8gFv8Ie3fKdA1qb8s7hoL6eLVt51FsAnql3Ut1M7A WbflLMDkEMX/F6/YjK/pADFQAUNA6alYagKk72m/j9p4Bq2fDDSYKLNXPNLoHE/NT6RYC31 cJxZ3yWVM+aBYi/S2ZgiAsnYJx5D21vPmqrm3PTfpQQwyAC8JZvSKDni41ZrMuUVVl+Uz9w 9v/1QWrZsZ5nFPHYH+JZyureQSF5M+fJ0CAfwRAVRBQA1DAWVUayoJUWoDpsxntPsueBV4+ AgL0CAAAALiANCKioNLgM1CrLihmTafkt1EF3SZ5ZVUW4mnIKvAi5fhEURVDWVQBRAAAAAA AAQFRVyAyulgAqCKlF8IqLsEgC9mGoC+IusqCrv5ZEUVOk1RuJfwSLOOkGFi4XPCoYYrNiK auosBGi9ICstM1UAAAAAAFQ0VcTBAXUGgIqGoKhKAzRRUQUAwxoSrGRpkQA/qiosOL9oJpt MRRVZa0VUqSiChE6BqMgCwqKqIogAIAqKCKgKoogg0lBFuIKgAAAKNRlf2gqsftsEtZWoAA qAACKoMqAAeSoqp39kL2AqLOlE8rEBFQARYALhigrNC9gGmooLp4TweEQFFBFAECgIoAu0i fIAqAAA//9k=",
        "pdfFile":"data:application/pdf;base64,JVBERi0xLjcNCiW1tbW1DQoxID Agb2JqDQo8PC9UeXBlL0NhdGFsb2cvUGFnZXMgMiAwIFIvTGFuZyhlbikgL1N0cnVjdFRyZ WVSb290IDE1IDAgUi9NYXJrSW5mbzw8L01hcmtlZCB0cnVlPj4vTWV0YWRhdGEgMjcgMCBS L1ZpZXdlclByZWZlcmVuY2VzIDI4IDAgUj4+DQplbmRvYmoNCjIgMCBvYmoNCjw8L1R5cGU +PDg4Q0RCRTBCODY2MDkzNDZBRTc1MzE3RTExNTgyNUNBPl0gPj4NCnN0YXJ0eHJlZg0KMT UwNzYNCiUlRU9GDQp4cmVmDQowIDANCnRyYWlsZXINCjw8L1NpemUgMzAvUm9vdCAxIDAgU i9JbmZvIDE0IDAgUi9JRFs8ODhDREJFMEI4NjYwOTM0NkFFNzUzMTdFMTE1ODI1Q0E+PDg4 Q0RCRTBCODY2MDkzNDZBRTc1MzE3RTExNTgyNUNBPl0gL1ByZXYgMTUwNzYvWFJlZlN0bSA xNDc2OD4+DQpzdGFydHhyZWYNCjE1ODMzDQolJUVPRg==",
        "amount": {
            "value":"150000.00",
            "currency":"IDR"
        },
    "customerAccountNumber":"108909378902",
    "customerName":"Jhon Doe",
    "debitType":"V"
    }
}
'





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