NICEPAY API V2 Payment - Payment - API Payloan

Payment - API Payloan

13min

About API Payloan Payment 
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Through the Payloan 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.
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API Payloan Payment
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Payment Payloan aims to activate the Payloan payment method on Merchant, so Customers can proceed with payment transactions using Payloan on Merchant. 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
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Request Parameter for Payloan Payment
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The following is a list of parameters for performing the payment integration process for the Payloan 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
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AN
255
merchant Token
d27544e13fd9937be9fc5d99ba39a75344b0e6dd1c6c358c9858a94606a74c4e
callBackUrl 
Required
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ANS
255
Payment Result URL
http://merchant.com/callbackUrl

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Sample JSON for Payloan Payment 
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FormUrlencoded
Java Request
nicePay.setTimeStamp("20200910170911");
nicePay.settXid("PAYLOANTES06202010221238593706");
nicePay.setMerchantToken(nicePay.getMerchantToken());
nicePay.setCallBackUrl("http://merchant.com/callbackUrl");

// Payment Request
nicePay.payment();


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

// Payment Request
nicePay.payment();

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CallBack Handling Payloan
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Callback Handling obtained from Payloan payment method using URL. After Merchant call API on Payloan, 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 Payloan﻿.  
CallBack Handling is very important to minimize the Fraud act, we highly recommend the Merchant to do the verification using CallBack Handling
URL CallBack
Response CallBack
{
    "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": ""
}
{
    "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": ""
}
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Confirm Receipt (Akulaku Only)
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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)
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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
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AN
10
Merchant ID
IONPAYTEST
merchantToken
Required
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AN
255
merchant Token
6cfccfc0046773c1b589d8e98f8
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Response Parameter
Parameter
Type
Size
Description
Example / Notes
resultCd
﻿Required﻿
N
4
﻿Result Code﻿﻿
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resultMsg
﻿Required﻿
AN
30
﻿Result Message﻿﻿
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ResponseData
Required
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AN
255
merchant Token
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Bank Indonesia already release API Standard relate to the Payment listed on Peraturan Anggota Dewan Gubernur No 23/15/PADG/2021 about Standar Nasional Open Application Interface Pembayaran (SNAP) Implementation.

As the form of suppport and compliance to Bank Indonesia Rules, NICEPAY drives all Merchant to conduct the migration to API SNAP BI.

All Merchants aim to complete the API SNAP BI migration on June 2024.

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

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)

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

Payment - API Payloan

About API Payloan Payment

API Payloan Payment

Request Parameter for Payloan Payment

Sample JSON for Payloan Payment

CallBack Handling Payloan

Confirm Receipt (Akulaku Only)

Request Parameter

Response Parameter

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