Registration & Notification - Account Binding Payloan API

about registration & notification account binding api payloan 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}} the account binding {{api}} {{payloan}} currently only used in {{the}} {{payloan}} {{process}} specific for kredivo {{partner}} registration and notification account binding payloan api process flow registration & notification account binding api payloan flow description the {{customer}} registers a phone number to {{the}} {{merchant}} the {{merchant}} requests an account binding to {{nicepay}} {{nicepay}} requests an account binding to {{the}} {{payloan}} {{partner}} the {{payloan}} {{partner}} performs validation the {{payloan}} {{partner}} sends a response to {{nicepay}} {{nicepay}} returns {{the}} redirects url to the {{merchant}} the {{merchant}} redirects {{the}} {{customer}} to {{the}} {{partner}} 's {{page}} the {{customer}} do logins through {{the}} {{partner}} login page the {{customer}} sends a credential to {{the}} {{payloan}} {{partner}} the {{payloan}} {{partner}} performs login validation the {{payloan}} {{partner}} returns an otp to {{the}} {{customer}} the {{customer}} inputs the otp to {{the}} {{payloan}} {{partner}} the {{payloan}} {{partner}} generates a user token the {{payloan}} {{partner}} directs {{the}} {{customer}} to {{the}} {{merchant}} / {{nicepay}} {{page}} 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}} {{payloan}} {{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 payloan api api endpoint /nicepay/v2/useraccountbinding request method post post merchant token sha256 ( imid + referenceno + billingphone + merchantkey ) request format application/json request parameter for registration account binding payloan api parameter type length description example / notes merchanttoken required required an 255 {{merchant}} token 6cfccfc0046773c1b589d8e98f8b596c284f3c70a4ecf86eba14c18944b74bcd imid required required an 10 {{merchant}} id ionpaytest timestamp required required n 14 request timestamp 20190318151435 referenceno required required ans 40 {{merchant}} reference number merchantreferencenumber001 paymethod required required n 2 {{paymentproduct}} method 06 {{payloan}} 06 mitracd required required a 4 {{mitra}} code kdvi kredivo kdvi billingnm required required a 100 user name jhon doe billingphone required required n 15 kredivo user phone +62 82112345678 format +62 user phone number billingemail ans 40 user email mailto\ buyer\@merchant com dbprocessurl required required ans 255 {{merchant}} {{notification}} path url to send user token http //www merchant com/notif/userhandling callbackurl required required ans 255 {{merchant}} {{payment}} result forward url after finish tokenize http //www merchant com/callback clientuserkey required required an 50 {{merchant}} user key 23124532 response parameter for registration account binding payloan api parameter type length description example / notes resultcd n 4 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 {{paymentproduct}} method 06 {{payloan}} 06 transdt n 8 transaction date 20160303 transtm n 6 transaction time 135959 mitracd a 4 docid\ tm257gq3dxgzf98uz0l33 kdvi kredivo kdvi redirecturlhttp ans 255 url to open kredivo linking {{page}} https //pay kredivo com/kredivo/v2/connecting?tk=xxxxxx sample parameter for registration account binding payloan api request parameter { "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 { "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 payloan 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 post request format application/json merchant token sha256 ( imid + referenceno + billingphone + merchantkey ) request parameter for notification account binding payloan api parameter type length description example / notes merchanttoken required required an 255 {{merchant}} token 6cfccfc0046773c1b589d8e98f8b596c284f3c70a4ecf86eba14c18944b74bcd imid required required an 10 {{merchant}} id ionpaytest txid an 30 transaction id ionpaytest06201607291027025291 referenceno required required ans 40 {{merchant}} reference number merchantreferencenumber001 mitracd required required a 4 docid\ tm257gq3dxgzf98uz0l33 kdvi kredivo kdvi billingnm required required a 100 user name jhon doe billingphone required required n 15 kredivo user phone +62 82112345678 clientuserkey required required an 50 {{merchant}} user key 735b7080 e08f 4ed4 927f f77d44a7 usertoken required required an 100 user token 23124532 sample parameter for notification account binding payloan api sample notification { "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" }