Payment - API Paylater

12 min

About API Paylater Payment

Through the Paylater payment method, NICEPAY offers you the convenience of cross-app payments (Jump App) for your Customers. Notifications will be sent to Customers in real-time as soon as the Customers complete payments. The Customer will receive notification regularly related to the loan request through NICEPAY Partner.

API Paylater Payment

Paylater Payment aims Customers can proceed the payment transactions. This step uses to perform integration of the Merchant system with the NICEPAY system.

API End Point	/nicepay/direct/v2/payment
Request Method	POST
Description	Performs Transaction Regist to NICEPAY
Merchant Token	SHA256(timeStamp+iMid+referenceNo+amt+merchantKey)
Request Format	application/x-www-form-urlencoded

Request Parameter for Paylater Payment

The following is a list of parameters for performing the payment integration process for the Paylater payment method. This parameter uses in the API testing platform as one of the steps so the Merchant system can connect with the NICEPAY service.

Parameter	Type	Size	Description	Example / Notes
timeStamp Required	N	14	Request Timestamp (YYYYMMDDHH24MISS)	20200910170911
tXid Required	AN	30	Transaction ID	IONPAYTEST01201804191202084760
merchantToken Required	AN	255	Merchant Token	d27544e13fd9937be9fc5d99ba39a75344b0e6dd1c6c358c9858a94606a74c4e
callBackUrl Required	ANS	255	Payment Result URL	http://merchant.com/callbackUrl

Sample JSON for Paylater Payment

nicePay.setTimeStamp("20200910170911");
nicePay.settXid("PAYLOANTES06202010221238593706");
nicePay.setMerchantToken(nicePay.getMerchantToken());
nicePay.setCallBackUrl("http://merchant.com/callbackUrl");

// Payment Request
nicePay.payment();

CallBack Handling Paylater

Callback Handling obtained from Paylater payment method using URL. After Merchant call API on Paylater, then Merchant will be directed to the payment page on NICEPAY Partner application.

When Your callback already received callbackUrl, we recommended the Merchant to do the status verification using the Status Inquiry - API Paylater.

CallBack Handling is very important to minimize the Fraud act, we highly recommend the Merchant to do the verification using CallBack Handling.

{
    "resultCd": "0000",
    "resultMsg": "SUCCESS",
    "tXid": "PAYLOANTES06202212141336161529",
    "referenceNo": "815123412341",
    "payMethod": "06",
    "amt": "20000",
    "transDt": "20221214",
    "transTm": "133616",
    "description": "",
    "authNo": "",
    "issuBankCd": "",
    "acquBankCd": "",
    "cardNo": "",
    "receiptCode": "",
    "mitraCd": "KDVI",
    "recurringToken": "",
    "preauthToken": "",
    "currency": "IDR",
    "goodsNm": "Test Transaction Nicepay",
    "billingNm": "Customer Name",
    "ccTransType": "",
    "mRefNo": "",
    "instmntType": "",
    "instmntMon": "",
    "cardExpYymm": "",
    "issuBankNm": "",
    "acquBankNm": "",
    "timeStamp": "",
    "merchantToken": ""
}

Confirm Receipt (Akulaku Only)

Only Confirm Receipt after the Customer have received the item. Merchants are required to do this in order to receive settlement funds from completed transactions.

API End Point	/nicepay/api/direct/v2/confirmAkulaku
Request Method	POST
Description	Performs Receipt Confirmation for Fund Settlement
Merchant Token	SHA256(timeStamp+tXid+iMid+merchantKey)

Request Parameter

Parameter	Type	Size	Description	Example / Notes
timeStamp Required	N	14	Request Timestamp (YYYYMMDDHH24MISS)	20170708123456
tXid Required	AN	30	Transaction ID	IONPAYTEST02201607291027025291
iMid Required	AN	10	Merchant ID	IONPAYTEST
merchantToken Required	AN	255	Merchant Token	6cfccfc0046773c1b589d8e98f8

Response Parameter

Parameter	Type	Size	Description
resultCd Required	N	4	Result Code
resultMsg Required	AN	30	Result Message
ResponseData Required	AN	255	Merchant Token