---
title: User Detail - Account Binding Paylater API
slug: en/nicepay-api-non-snap-advance-user-detail-account-binding-api-paylater-api
description: Information about Non-SNAP Advance User Detail - Account Binding Paylater API available on NICEPAY system
image: https://archbee-image-uploads.s3.amazonaws.com/ZHvSjR5ZrsoxwKbJa3xmo/kaWOJEAGCr4eL3bu13z8d_nicepay-docs-logo.png
icon: {"faIcon":"fa-solid fa-book"}
docTags: 
createdAt: 2025-09-24T00:05:06.568Z
---

# About User Detail - Account Binding Paylater API

***

This API uses to obtain detailed information about a Customer's account that has been linked.

:::hint{type="info"}
User Detail (Account Binding API Paylater) can currently only be used in the Paylater process specific for Kredivo Partner.
:::



# User Detail - Account Binding Paylater API Process Flow

![Account Binding - User Detail](https://api.archbee.com/api/optimize/ZHvSjR5ZrsoxwKbJa3xmo/39WOV4JdZ2OYS63WjfP0e_diagram-user-detail-account-binding-paylater-api.jpg "Account Binding - User Detail")

Flow description:

1. The Merchant requests get user detail to the NICEPAY.
2. NICEPAY requests get user detail to the Paylater Partner.
3. The Paylater Partner do validation.
4. The Paylater Partner sends the response to the NICEPAY.
5. NICEPAY sends a user data to the Merchant.




User Detail - Account Binding Paylater API
==========================================

***

| **API Endpoint**   | [`https://www.nicepay.co.id/nicepay/direct/v2/user-details`](https://www.nicepay.co.id/nicepay/direct/v2/user-details)`` |
| ------------------ | ------------------------------------------------------------------------------------------------------------------------ |
| **Request Method** | <font color="#3b9f0f">**POST**</font>****                                                                                |
| **Merchant Token** | **SHA256&#x20;**(`iMid` + `userToken` + `merchantKey`)                                                                   |
| **Request Format** | `application/JSON`                                                                                                       |



## Request Parameter for User Detail - Account Binding Paylater API

| **Parameter**                                              | **Type** | **Length** | **Description**                 | **Example / Notes** |
| ---------------------------------------------------------- | -------- | ---------- | ------------------------------- | ------------------- |
| `iMid`<br /><font color="#2166ae">Required</font>          | AN       | 10         | Merchant ID                     |                     |
| `timeStamp`<br /><font color="#2166ae">Required</font>     | N        | 14         | Request Timestamp               |                     |
| `merchantToken`<br /><font color="#2166ae">Required</font> | AN       | 255        | Merchant Token                  |                     |
| `userToken`<br /><font color="#2166ae">Required</font>     | AN       | 100        | User Token from Binding Account |                     |



## Response Parameter for User Detail - Account Binding Paylater API

| **Parameter**          | **Type**     | **Length** | **Description**      | **Example / Notes**                  |
| ---------------------- | ------------ | ---------- | -------------------- | ------------------------------------ |
| `billingPhone`         | AN           | 15         | Billing Phone        | Format:<br />+62-`user phone number` |
| `accountStatus`        | N            | 1          | Account Status       |                                      |
| `accountType`          | N            | 1          | Account Type         |                                      |
| `limitDetails`         | Array Object |            |                      |                                      |
| - `paymentType`        | AN           | 10         | Installment Month    |                                      |
| * `remainingUserLimit` | AN           | 50         | Remaining User Limit |                                      |
| - `totalUserLimut`     | AN           | 50         | Total User Limit     |                                      |



## Sample Parameter for User Detail - Account Binding Paylater API

:::CodeblockTabs
Request Parameter

```json
{
    "timeStamp":"{{timestampTrx}}",
    "userToken":"{{userToken}}",
    "iMid":"{{iMid}}",
    "merchantToken":"{{merTok}}"
}
```

Response Parameter

```json
{
    "resultCd": "0000",
    "resultMsg": "SUCCESS",
    "billingNm": "Jajang Basirudin",
    "billingPhone": "+62-883****7325",
    "accountStatus": "1",
    "accountType": "2",
    "limitDetails": [
        {
            "paymentType": "9_months",
            "remainingUserLimit": "15265763.00",
            "totalUserLimit": "15200000.00"
        },
        {
            "paymentType": "3_months",
            "remainingUserLimit": "5661939.00",
            "totalUserLimit": "5600000.00"
        },
        {
            "paymentType": "12_months",
            "remainingUserLimit": "19373196.00",
            "totalUserLimit": "19300000.00"
        },
        {
            "paymentType": "6_months",
            "remainingUserLimit": "10720111.00",
            "totalUserLimit": "10700000.00"
        },
        {
            "paymentType": "30_days",
            "remainingUserLimit": "2000000.00",
            "totalUserLimit": "2000000.00"
        }
    ]
} 
```
:::