--- title: Registration & Notification - Account Binding Paylater API slug: en/nicepay-api-non-snap-advance-registration-and-notification-account-binding-api-paylater-api description: Information about Non-SNAP Advance Registration & Notification - Account Binding Paylater API available on NICEPAY system image: https://archbee-image-uploads.s3.amazonaws.com/ZHvSjR5ZrsoxwKbJa3xmo/t25TBPstDWfF0lp2Fahu2_nicepay-docs-logo.png icon: {"faIcon":"fa-solid fa-book"} docTags: createdAt: 2025-09-24T00:04:24.348Z --- # About Registration & Notification - Account Binding API Paylater *** This API uses by the Merchant to links a user's account to ease the Merchant before proceed checking the user account detail also swifting the payment process. :::hint{type="info"} The Account Binding API Paylater currently only used in the Paylater process specific for Kredivo Partner. ::: # Registration and Notification - Account Binding Paylater API Process Flow *** ![Registration & Notification - Account Binding Paylater API](https://api.archbee.com/api/optimize/ZHvSjR5ZrsoxwKbJa3xmo/l8UDhrC12AHMaddXNdn-i_diagram-seamless-payment-api-paylater-tokenize-without-transaction.jpg "Registration & Notification - Account Binding Paylater API") Flow description: 1. The Customer registers a phone number to the Merchant. 2. The Merchant requests an account binding to NICEPAY. 3. NICEPAY requests an account binding to the Paylater Partner. 4. The Paylater Partner performs validation. 5. The Paylater Partner sends a response to NICEPAY. 6. NICEPAY returns the redirects URL to the Merchant. 7. The Merchant redirects the Customer to the Partner's page. 8. The Customer do logins through the Partner Login Page. 9. The Customer sends a credential to the Paylater Partner. 10. The Paylater Partner performs login validation. 11. The Paylater Partner returns an OTP to the Customer. 12. The Customer inputs the OTP to the Paylater Partner. 13. The Paylater Partner generates a User Token. 14. The Paylater Partner directs the Customer to the Merchant/NICEPAY page. 15. During the account binding request process: - On the Customer's section: - The Merchant/NICEPAY page will be shown to the Customer. - The Customer waiting for approval. - From the Notification section: - Paylater Partner sends a notification to the NICEPAY. - NICEPAY receives the notification. - NICEPAY sends a notification to the Merchant. - The Merchant receives the notification. - The Merchant displays the account binding result to the Customer. Registration - Account Binding Paylater API =========================================== *** | **API Endpoint** | `/nicepay/v2/userAccountBinding` | | ------------------ | ------------------------------------------------------------------------- | | **Request Method** | **POST****** | | **Merchant Token** | **SHA256 **(`iMid` + `referenceNo` + `billingPhone` + `merchantKey`) | | **Request Format** | `application/JSON` | ## Request Parameter for Registration - Account Binding Paylater API *** | **Parameter** | **Type** | **Length** | **Description** | **Example / Notes** | | ---------------------------------------------------------- | -------- | ---------- | --------------------------------------------------------- | ---------------------------------------------------------------------------------------- | | `merchantToken`
Required | AN | 255 | Merchant Token | 6cfccfc0046773c1b589d8e98f8b596c284f3c70a4ecf86eba14c18944b74bcd | | `iMid`
Required | AN | 10 | Merchant ID | IONPAYTEST | | `timestamp`
Required | N | 14 | Request Timestamp | 20190318151435 | | `referenceNo`
Required | ANS | 40 | Merchant Reference Number | MerchantReferenceNumber001 | | `payMethod`
Required | N | 2 | Payment Method
`06` : Paylater | 06 | | `mitraCd`
Required | A | 4 | Mitra Code
`KDVI` : Kredivo | KDVI | | `billingNm`
Required | A | 100 | User Name | Jhon Doe | | `billingPhone`
Required | N | 15 | Kredivo User Phone | +62-82112345678

Format:
+62-`user phone number` | | `billingEmail` | ANS | 40 | User Email | [buyer@merchant.com](mailto\:buyer@merchant.com) | | `dbProcessUrl`
Required | ANS | 255 | Merchant notification path URL to send user token | [http://www.merchant.com/notif/userHandling](http://www.merchant.com/notif/userHandling) | | `callBackUrl`
Required | ANS | 255 | Merchant payment result forward URL after finish tokenize | [http://www.merchant.com/callback](http://www.merchant.com/callback) | | `clientUserKey`
Required | AN | 50 | Merchant User Key | 23124532 | ## Response Parameter for Registration - Account Binding Paylater API *** | **Parameter** | **Type** | **Length** | **Description** | **Example / Notes** | | ----------------- | -------- | ---------- | ----------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------ | | `resultCd` | N | 4 | [Result Code](docId\:lKqJXSl5CMKdXYXxHYYSs) | `0000` | | `resultMsg` | AN | 255 | Result Message | SUCCESS | | `tXid` | AN | 30 | Transaction ID | IONPAYTEST06201607291027025291 | | `referenceNo` | ANS | 40 | Merchant Reference Number | MerchantReferenceNumber001 | | `payMethod` | N | 2 | Payment Method
`06` : Paylater | 06 | | `transDt` | N | 8 | Transaction Date | 20160303 | | `transTm` | N | 6 | Transaction Time | 135959 | | `mitraCd` | A | 4 | [Mitra Code](docId\:Tm257gq3DxgZf98uZ0l33)
`KDVI` : Kredivo | `KDVI` | | `redirectUrlHttp` | ANS | 255 | URL to open Kredivo linking page | [https://pay.kredivo.com/kredivo/v2/connecting?tk=xxxxxx](https://pay.kredivo.com/kredivo/v2/connecting?tk=xxxxxx) | ## Sample Parameter for Registration - Account Binding Paylater API *** :::CodeblockTabs Request Parameter ```json { "merchantToken": "6cfccfc0046773c1b589d8e98f8b596c284f3c70a4ecf86eba14c18944b74bcd", "iMid": "IONPAYTEST", "timestamp": "20190318151435", "referenceNo": "MerchantReferenceNumber001", "payMethod": "06", "mitraCd": "KDVI", "billingNm": "Jhon Doe", "billingPhone": "+62-82112345678", "billingEmail": "buyer@merchant.com", "dbProcessUrl": "http://www.merchant.com/notif/userHandling", "callBackUrl": "http://www.merchant.com/callback", "clientUserKey": "23124532" } ``` Response Parameter ```json { "resultCd": "0000", "resultMsg": "SUCCESS", "tXid": "IONPAYTEST06201607291027025291" "referenceNo": "MerchantReferenceNumber001", "payMethod": "06", "transDt": "20160303", "transTm": "135959", "mitraCd": "KDVI", "redirectUrlHttp": "https://pay.kredivo.com/kredivo/v2/connecting?tk=xxxxxx" } ``` ::: Notification - Account Binding Paylater API =========================================== *** NICEPAY sends a push notification through Merchant's `dbProcessUrl`. The Merchant needs to reassure there is no Blacklist NICEPAY IP and should Whitelist NICEPAY IP to get the push notification only from NICEPAY server. | **API Endpoint** | Merchant `dbProcessUrl` | | ------------------ | -------------------------------------------------------------- | | **Request Method** | **POST****** | | **Request Format** | `application/JSON` | | **Merchant Token** | SHA256 (`iMid`+ `referenceNo`+ `billingPhone` + `merchantKey`) | ## Request Parameter for Notification - Account Binding Paylater API *** | **Parameter** | **Type** | **Length** | **Description** | **Example / Notes** | | ---------------------------------------------------------- | -------- | ---------- | ----------------------------------------------------------------- | ---------------------------------------------------------------- | | `merchantToken`
Required | AN | 255 | Merchant Token | 6cfccfc0046773c1b589d8e98f8b596c284f3c70a4ecf86eba14c18944b74bcd | | `iMid`
Required | AN | 10 | Merchant ID | IONPAYTEST | | `tXid` | AN | 30 | Transaction ID | IONPAYTEST06201607291027025291 | | `referenceNo`
Required | ANS | 40 | Merchant Reference Number | MerchantReferenceNumber001 | | `mitraCd`
Required | A | 4 | [Mitra Code](docId\:Tm257gq3DxgZf98uZ0l33)
`KDVI` : Kredivo | KDVI | | `billingNm`
Required | A | 100 | User Name | Jhon Doe | | `billingPhone`
Required | N | 15 | Kredivo User Phone | +62-82112345678 | | `clientUserKey`
Required | AN | 50 | Merchant User Key | 735b7080-e08f-4ed4-927f-f77d44a7 | | `userToken`
Required | AN | 100 | User Token | 23124532 | ## Sample Parameter for Notification - Account Binding Paylater API *** :::CodeblockTabs Sample Notification ```json { "merchantToken": "6cfccfc0046773c1b589d8e98f8b596c284f3c70a4ecf86eba14c18944b74bcd", "iMid": "IONPAYTEST", "tXid": "IONPAYTEST06201607291027025291", "referenceNo": "MerchantReferenceNumber001", "mitraCd": "KDVI", "billingNm": "Jhon Doe", "billingPhone": "+62-82112345678", "billingEmail": "buyer@merchant.com", "userToken": "735b7080-e08f-4ed4-927f-f77d44a7" "clientUserKey": "23124532" } ``` :::