Transfer to Bank

• Endpoint: POST /v1.0/emoney/transfer-bank
• Tags: Indonesia SNAP/Disbursement

Description

This API is used for bank transfer payments. When handling the response of this interface, please pay attention to the following points; otherwise, there may be a risk of financial loss:

When "responseCode": "2004300" , "responseMessage": "Success." , "additionalInfo.status": "PENDING" are returned, it means the order has been successfully placed. Please refer to the callback notification or qTransaction Inquiry API for the order status; When "responseCode": "4094301" and "responseMessage": "The order number repeat." , it means that the partnerReferenceNo has already been submitted. Please wait for the callback or use the Transaction Inquiry API to confirm the order status. Ensure that each partnerReferenceNo is unique; In other scenarios, please check the parameters and reinitiate request without changing partnerReferenceNo, and pay attention to resetting X-TIMESTAMP;

Service Code=43

Parameters

Field	In	Type	Required	Constraints	Description
Content-Type	header	string	Yes		Media type of the resource, i.e. application/json.
X-TIMESTAMP	header	string	Yes		Request time, compliant with rfc3339 specification, format: yyyy-MM-dd'T'HH:mm:ss.SSSXXX The time must be within two minutes of the current time
X-SIGNATURE	header	string	Yes		Represents signature of a request.
CHANNEL-ID	header	string	Yes		Device identification on which the API services is currently being accessed by the end user , like APP，WAP，WEB.
Authorization	header	string	Yes		Represents access_token of a request; string starts with keyword “Bearer ” followed by access_token
X-PARTNER-ID	header	string	Yes		Merchant Id, the unique identifier generated when the merchant signs the contract with PayerMax
X-EXTERNAL-ID	header	string	Yes		Unique reference number for each request and should be unique within the same day.
sign	header	string	Yes		签名信息请参考技术文档

Parameter Examples

• Content-Type: ""
• X-TIMESTAMP: ""
• X-SIGNATURE: ""
• CHANNEL-ID: ""
• Authorization: ""
• X-PARTNER-ID: ""
• X-EXTERNAL-ID: ""
• sign: "FPFVT3o227JrFRbqu19boZCpVVTF9KznxyRawUmxpfXilHV/0yK46haPhAjNu1hPUMy7Vw/ILXhfzffNm4Fj0apWknlTY9OJxnSoQxS9BTFtc61tn5yV1q69x/kkBl82/qwg+XTJ4fOzy7Mar3VaC1E2PlDA6RkkKBUyNE6RYgsdB+Su7an4+4HVTNAnoe74WyvBgxTLMNg28igBTdqxaO3w/UBY6ObVp7vkqkQGdL1Y+HgmMYaAVwrM3+ALWGId0sJ+YqTY4WJ+0xCRGhaSnybiIjZsQEYyID68WNUfuavDLDsEhaMm/HfQvf5p0R1Ltovp3wwJnEbQcjY458iX5A=="

Request Body

Required

Content-Type: application/json

Field	Type	Required	Constraints	Description	Enum
partnerReferenceNo	string	Yes	maxLength: 64	Merchant Order Id, a unique identifier for a merchant transaction, must not be duplicated and can only contain letters, numbers, and underlines.
beneficiaryAccountNumber	string	Yes	maxLength: 128	Payee account, fill in the corresponding account number according to the payment method.
amount	object	Yes
amount.value	string	Yes	maxLength: 12	The transaction amount should be submitted according to the Decimal separator place supported by the currencies of each country. Note: Indonesia, Vietnam, South Korea, and Chile do not support decimal amounts in local currency.
amount.currency	string	Yes	maxLength: 3	Transaction currency, uppercase letters.
additionalInfo	object	Yes
additionalInfo.sourceAccount	string	No	maxLength: 3	Currency code of the deduction account, in uppercase letters.
additionalInfo.destinationCurrency	string	No	maxLength: 3	Currency code of the receiving account, in uppercase letters.
additionalInfo.payeeInfo	object	Yes
additionalInfo.payeeInfo.targetOrg	string	Yes	maxLength: 64	Target organization.
additionalInfo.payeeInfo.payeeType	string	Yes		Payee type (PERSONAL/CORPORATION), default to PERSONAL
additionalInfo.payeeInfo.name	object	Yes
additionalInfo.payeeInfo.name.fullName	string	Yes	maxLength: 512	Full name of payee.
additionalInfo.payeeInfo.name.firstName	string	Yes		First name of payee.
additionalInfo.payeeInfo.name.middleName	string	Yes		The payee’s Middle name is separated by spaces when there are multiple Middle name.
additionalInfo.payeeInfo.name.lastName	string	Yes		Family name of payee.
additionalInfo.payeeInfo.address	object	No		Receiving address information.
additionalInfo.payeeInfo.address.address	string	No	maxLength: 512	Address of payee.
additionalInfo.payeeInfo.address.city	string	No	maxLength: 255	City of payee.
additionalInfo.payeeInfo.address.state	string	No	maxLength: 255	State.
additionalInfo.payeeInfo.address.postalCode	string	No	maxLength: 32	Postal code of payee.
additionalInfo.notifyUrl	string	Yes	maxLength: 255	The backend callback address for merchants to receive payment results, starting with http/https.
additionalInfo.reference	string	No	maxLength: 255	A pass-through parameter, which will be returned the same in the notification callback API. This field is primarily to hold customized data from merchant.
additionalInfo.purpose	string	No		Disbursement purpose,enumeration value, ISUBIL:Pay to utilities (i.e. water, electricity, gas bills); EPTOUR:Tourism; EPTKAG:Pay for travel tickets or travel agency fees; ISPAYR:Pay Salary; ISPAYRA:Pay Agent Salary; ISGDDS:Goods Trade; ISSCVE:Purchase and Sale of Services; ISSUPP:Supplier Payment; ISLOGS:Logistics and Transportation Service Payment; INCEN:Incentive/Promotion/User Acquisition Activity; GAME:Gaming Equipment, Game Coins, and Other Game Items; SAMENM:Same Name Business Account Transfer; PAYCMSN:Reimbursement/Benefit Distribution/Commission Distribution; SAMENMC:Legal Person/Shareholder/Director Personal Account; AGOPEXP:Agency operating expenses; ADEXP:Advertising expenses;RFND:Refund;SMCNTST:Sub merchant settlement;LGTEP:Logistics expenses;GOODPAY:Goods payment;SINVEST:Investment in shares;FINVEST:Fund investment;TAXPAY:Tax payment;LOANPAY:Payment of loans; OTHER:Other;
additionalInfo.notifyEmail	string	No	maxLength: 64	Recipient notification email. Currently, only certain payment methods, such as FAWRY, send withdrawal code emails.
additionalInfo.remark	string	No	maxLength: 100	Postscript or remarks for disbursement, allows format of English, numbers, dash lines, spaces and dots; Due to channel constraints, this field may undergo special processing, such as ultra long truncation or filling in default values.

Example

"{\n  \"partnerReferenceNo\": \"20260825152920150100189\",\n  \"beneficiaryAccountNumber\": \"08123456789\",\n  \"amount\": {\n    \"value\": \"10000.00\",\n    \"currency\": \"IDR\"\n  },\n  \"additionalInfo\": {\n    \"sourceAccount\": \"IDR\",\n    \"destinationCurrency\": \"IDR\",\n    \"payeeInfo\": {\n      \"targetOrg\": \"ACEH\",\n      \"payeeType\": \"PERSONAL\",\n      \"name\": {\n        \"fullName\": \"James Shri Williams Kanta\"\n         \"firstName\": \"James\",\n        \"middleName\": \"Shri Williams\",\n        \"lastName\": \"Kanta\",\n      }\n    },\n    \"remark\": \"SNAP payout test\",\n    \"reference\": \"merchant-reference\",\n    \"notifyUrl\": \"https://merchant.example.com/snap/payout-notify\",\n    \"notifyEmail\": \"merchant@example.com\",\n    \"purpose\": \"ISPAYR\"\n  }\n}"

Responses

200

Field	Type	Required	Constraints	Description	Enum
responseCode	string	Yes		Response code, following the SNAP standard.
responseMessage	string	Yes		Response description, following the SNAP standard.
partnerReferenceNo	string	No	maxLength: 64	Merchant Order Id.
referenceNo	string	No	maxLength: 64	PayerMax transaction serial Order Number.
additionalInfo	object	No
additionalInfo.status	string	No	maxLength: 2	Transaction status: 00 - Success, 03 - Pending, 04 - Bounced Back, 06 - Failed.

Response Example

{
  "responseCode": "2004300",
  "responseMessage": "Success.",
  "partnerReferenceNo": "20260825152920150100189",
  "referenceNo": "20260825072921TD0090053503027291T08",
  "additionalInfo": {
    "status": "PENDING"
  }
}