Direct Debit - V1 Enterprise

8min

About Direct Debit
﻿
﻿NICEPAY﻿ offers Direct Debit﻿ as payment method﻿. This method allows Customer﻿ to use Direct Debit﻿ channel from various Bank﻿s. Real Time Notification will be sent when Customer﻿ completed the﻿ payment﻿.

Supported Direct Debit by NICEPAY


CIMB Clicks

Jenius Pay
Direct Debit Flow V1 Enterprise
﻿
Description Steps:
﻿Merchant﻿ does checkout﻿.
The Customer﻿ requests checkout﻿ to Merchant﻿.
The Customer﻿ requests checkout﻿ registration to NICEPAY﻿.
﻿NICEPAY﻿ registers checkout﻿ data.
﻿NICEPAY﻿ sends response to Merchant﻿.
﻿Merchant﻿ displays payment﻿ page﻿ to Customer﻿.
The Customer﻿ inputs ID or Cashing.
The Customer﻿ sends the﻿ data to Merchant﻿.
﻿Merchant﻿ sends the﻿ data to NICEPAY﻿.
﻿NICEPAY﻿ requests payment﻿ to Bank﻿.
﻿Bank﻿ processing the﻿ authentication.
﻿Bank﻿ sends notification﻿ to Customer﻿.
The Customer﻿ makes authentication.
The Customer﻿ requests charge to Bank﻿.
﻿Bank﻿ generates order﻿.
﻿Bank﻿ sends the﻿ notification﻿ to the﻿ Customer﻿.
﻿Bank﻿ sends the﻿ notification﻿ to the﻿ NICEPAY﻿.
﻿NICEPAY﻿ updates the﻿ status﻿.
﻿NICEPAY﻿ sends notification﻿ to Merchant﻿.
﻿Merchant﻿ sends notification﻿ to Customer﻿.
﻿
Direct Debit Registration
﻿

API Specifications - Direct Debit Registration
API Endpoint
/nicepay/api/onePass.do
Request Method  ﻿application/x-www-form-urlencoded﻿
﻿POST﻿
Description
Request Direct Debit﻿ Transaction on Bank﻿ Page

Merchant Token
SHA256(iMid+referenceNo+amt+merchantKey)
Payment Method
04 Direct Debit﻿﻿
﻿
Request Parameter - Direct Debit Registration
Direct Debit Registration - Request Parameter
// Payment Mandatory Field
nicePay.setPayMethod("04");
nicePay.setCurrency("IDR");
nicePay.setAmt("1000");
nicePay.setReferenceNo("MerchantReferenceNumber001");
nicePay.setMitraCd("MDRC");
nicePay.setGoodsNm("Merchant Goods 1");
nicePay.setBillingNm("John Doe");
nicePay.setBillingEmail("buyer@merchant.com");
nicePay.setBillingPhone("081234567890");
nicePay.setBillingAddr("Billing Address");
nicePay.setBillingCity("Jakarta");
nicePay.setBillingState("Jakarta");
nicePay.setBillingPostCd("12345");
nicePay.setBillingCountry("Indonesia");
nicePay.setDeliveryNm("John Doe");
nicePay.setDeliveryPhone("081234567890");
nicePay.setDeliveryAddr("Billing Address ");
nicePay.setDeliveryCity("Jakarta ");
nicePay.setDeliveryState("Jakarta ");
nicePay.setDeliveryPostCd("12345");
nicePay.setDeliveryCountry("Indonesia ");
nicePay.setCallBackUrl(merchantDomain + "callback");
nicePay.setDbProcessUrl(merchantDomain + "dbprocess");
nicePay.setVat("0");
nicePay.setFee("0");
nicePay.setNotaxAmt("0");
nicePay.setDescription("Description");
nicePay.setUserIP("127.0.0.1");
nicePay.setMerchantToken(nicePay.makeToken(nicePay.getAmt(), nicePay.getReferenceNo()));
nicePay.setCartData("{}");
nicePay.setClickPayNo("1234567890123456");
nicePay.setClickPayToken("000000");
nicePay.setDataField3("3");

// Payment Optional Field
nicePay.setReqDt("20160301");
nicePay.setReqTm("135959");
nicePay.setReqDomain("merchant.com");
nicePay.setReqServerIP("127.0.0.1");
nicePay.setReqClientVer("1.0");
nicePay.setUserSessionID("userSessionID");
nicePay.setUserAgent("Mozilla");
nicePay.setUserLanguage("en-US");
nicePay.setMerFixAcctId("9999000000000001");
nicePay.setPaymentExpiryDt("20160303");
nicePay.setPaymentExpiryTm("135959");


// Payment Request
nicePay.payment();

// Payment Response
System.out.println("Response String : " + nicePay.getResponseString()); // JSON in String format

String resultCd = nicePay.Get("resultCd");
String resultMsg = nicePay.Get("resultMsg");
String tXid= nicePay.Get("tXid ");
String referenceNo= nicePay.Get("referenceNo");
String receiptCode= nicePay.Get("receiptCode");
String payMethod= nicePay.Get("payMethod");
String amount= nicePay.Get("amount");
String transDt = nicePay.Get("transDt ");
String transTm = nicePay.Get("transTm ");
String description= nicePay.Get("description");
String callbackUrl= nicePay.Get("callbackUrl");
String mitraCd= nicePay.Get("mitraCd");
// Payment Mandatory Field
nicePay.setPayMethod("04");
nicePay.setCurrency("IDR");
nicePay.setAmt("1000");
nicePay.setReferenceNo("MerchantReferenceNumber001");
nicePay.setMitraCd("MDRC");
nicePay.setGoodsNm("Merchant Goods 1");
nicePay.setBillingNm("John Doe");
nicePay.setBillingEmail("buyer@merchant.com");
nicePay.setBillingPhone("081234567890");
nicePay.setBillingAddr("Billing Address");
nicePay.setBillingCity("Jakarta");
nicePay.setBillingState("Jakarta");
nicePay.setBillingPostCd("12345");
nicePay.setBillingCountry("Indonesia");
nicePay.setDeliveryNm("John Doe");
nicePay.setDeliveryPhone("081234567890");
nicePay.setDeliveryAddr("Billing Address ");
nicePay.setDeliveryCity("Jakarta ");
nicePay.setDeliveryState("Jakarta ");
nicePay.setDeliveryPostCd("12345");
nicePay.setDeliveryCountry("Indonesia ");
nicePay.setCallBackUrl(merchantDomain + "callback");
nicePay.setDbProcessUrl(merchantDomain + "dbprocess");
nicePay.setVat("0");
nicePay.setFee("0");
nicePay.setNotaxAmt("0");
nicePay.setDescription("Description");
nicePay.setUserIP("127.0.0.1");
nicePay.setMerchantToken(nicePay.makeToken(nicePay.getAmt(), nicePay.getReferenceNo()));
nicePay.setCartData("{}");
nicePay.setClickPayNo("1234567890123456");
nicePay.setClickPayToken("000000");
nicePay.setDataField3("3");

// Payment Optional Field
nicePay.setReqDt("20160301");
nicePay.setReqTm("135959");
nicePay.setReqDomain("merchant.com");
nicePay.setReqServerIP("127.0.0.1");
nicePay.setReqClientVer("1.0");
nicePay.setUserSessionID("userSessionID");
nicePay.setUserAgent("Mozilla");
nicePay.setUserLanguage("en-US");
nicePay.setMerFixAcctId("9999000000000001");
nicePay.setPaymentExpiryDt("20160303");
nicePay.setPaymentExpiryTm("135959");


// Payment Request
nicePay.payment();

// Payment Response
System.out.println("Response String : " + nicePay.getResponseString()); // JSON in String format

String resultCd = nicePay.Get("resultCd");
String resultMsg = nicePay.Get("resultMsg");
String tXid= nicePay.Get("tXid ");
String referenceNo= nicePay.Get("referenceNo");
String receiptCode= nicePay.Get("receiptCode");
String payMethod= nicePay.Get("payMethod");
String amount= nicePay.Get("amount");
String transDt = nicePay.Get("transDt ");
String transTm = nicePay.Get("transTm ");
String description= nicePay.Get("description");
String callbackUrl= nicePay.Get("callbackUrl");
String mitraCd= nicePay.Get("mitraCd");
﻿
Parameter
Type
Size
Description
Example / Notes
iMid
﻿Required﻿
AN
10
﻿Merchant﻿ ID
IONPAYTEST
payMethod
Required
﻿
N
2
﻿Payment Method﻿﻿
04
currency
Required
﻿
A

3
Currency
IDR
amt
Required
﻿
N

12
Goods Amount
15000
referenceNo
Required﻿
ANS
40
﻿Merchant﻿ Order Number
ordNo123124
goodsNm
Required
﻿
AN
100
Goods Name
Test Goods
billingNm
Required
﻿
A
A
Billing Name
John Doe
billingPhone
Required
﻿
N
15
Billing Phone Number
081249195
billingEmail
Required
﻿

ANS
40
Billing E-mail
test@merchant.com
billingCity
Required﻿
A
50
Billing City
Jakarta
billingState
Required
﻿
A
50
Billing State
DKI Jakarta
billingPostCd
Required
﻿
N
10
Billing Post Number
14350
billingCountry
Required
﻿
A
10
Billing Country
﻿Indonesia﻿﻿
callBackUrl
Required
﻿
ANS
255
﻿Payment﻿ Result Page
https://merchant.com/callBackUrl
dbProcessUrl
Required
﻿
ANS
255
﻿Payment﻿ Notif URL
https://merchant.com/dbProcessUrl
description
Required
﻿
AN
100
Description
test item
merchantToken
Required
﻿
AN
255
﻿Merchant﻿ Token
6cfccfc0046773c1b589d8e
98f8b596c284f3c70a4ecf8
6eba14c18944b74bcd
userIP
Required﻿
ANS
15
User IP (Customer﻿)
127.0.0.1
cartData
Required﻿
JSON OBJECT
4000
Cart Data (JSON Format)
{}
mitraCd
Required﻿
A
4
﻿Mitra Code﻿﻿
JENC
clickPayNo
Required
N
16
ClickPay Card Number
﻿
dataField3
Required﻿
N
16
Token 3 for Direct Debit﻿﻿
﻿
clickPayToken
Required﻿
N
6
Response Token
﻿
billingAddr
AN
﻿255﻿
Billing Address
Jln Cendrawasih
deliveryNm
A
30
Delivery Name
John Doe
deliveryPhone
N
15
Delivery Phone
08125912342
deliveryAddr
AN
100
Delivery Address	
Jln Merak
deliveryEmail
ANS
﻿100﻿
Delivery E-Mail
test@merchant.com
deliveryCity
A
50
Delivery City	
Jakarta
deliveryState
A
50
Delivery State	
DKI Jakarta
deliveryPostCd
A
10
Delivery Post Code	
14350
deliveryCountry
A
10
Delivery Country	
﻿Indonesia﻿﻿
vat
N
12
﻿VAT﻿ 
0
fee
N
12
Service Tax	
0
notaxAmt
N
12
Tax Free Amount	
0
reqDt
N
8
Request Date (YYYYMMDD)	
20160301
reqTm
N
6
Request Time (HH24MISS)	
135959
reqDomain
ANS
100
Request Domain	
merchant.com
reqServerIP
ANS
15
Request Server IP	
127.0.0.1
reqClientVer
ANS
50
Request Client Version	
1.0
userSessionID
AN
100
User Session ID	
userSessionID
userAgent
ANS
100
User Agent	
Mozilla
userLanguage
ANS
2
User Language	
en-US
cashtag

Required for Jenius
AN
100
cashtagId (with $)
$johndoe
Note for Jenius, please use iMid : TNICECP041 and PayMethod: 04 then request to Staging for developmental purposes.
﻿
Response Parameter - Direct Debit Registration 

Direct Debit Registrasi - Response Parameter
{
    "resultCd": "0000",
    "amount": "10000",
    "goodsNm": "Test Transaction Nicepay",
    "referenceNo": "99997",
    "transTm": "113152",
    "mitraCd": "MDRC",
    "tXid": "TESTIDTEST04201803011131521855",
    "description": "Payment of referenceNo 99997",
    "resultMsg": "SUCCESS",
    "billingNm": "Customer Name",
    "payMethod": "04",
    "callbackUrl": "http://www.merchant.com/callbackUrl",
    "currency": "IDR",
    "transDt": "20180301"
}
{
    "resultCd": "0000",
    "amount": "10000",
    "goodsNm": "Test Transaction Nicepay",
    "referenceNo": "99997",
    "transTm": "113152",
    "mitraCd": "MDRC",
    "tXid": "TESTIDTEST04201803011131521855",
    "description": "Payment of referenceNo 99997",
    "resultMsg": "SUCCESS",
    "billingNm": "Customer Name",
    "payMethod": "04",
    "callbackUrl": "http://www.merchant.com/callbackUrl",
    "currency": "IDR",
    "transDt": "20180301"
}
﻿
Parameter
Type
Size
Description
Example / Notes
resultCd
N
4
﻿Result Code﻿﻿
0000
resultMsg
AN
255
﻿Result Message﻿﻿
SUCCESS
tXid
AN
30
Transaction ID
TESTIDTEST04201803011131521855
referenceNo
ANS
40
﻿Merchant﻿ Order Number
99997
payMethod
N
2
﻿Payment Method﻿﻿
04
amount
N
12
﻿Payment﻿ Amount
10000
transDt
N
8
Transaction Date (YYYYMMDD)
20180301
transTm
N
6
Transction Time (HH24MISS)
113152
description
ANS
100
Transaction Description
﻿Payment﻿ of Reference Number 99997
callbackUrl
ANS
100
Callback URL
http://www.merchant.com/callbackUrl
currency
A
3
Currency
IDR
goodsNm
AN
100
Goods Name
Test Transaction NICEPAY﻿ 
billingNm
N
30
Buyer Name
﻿Customer﻿ Name
mitraCd
A
4
﻿Mitra Code﻿﻿
MDRC
﻿

API Endpoint	/nicepay/api/onePass.do
Request Method application/x-www-form-urlencoded	POST
Description	Request Direct Debit Transaction on Bank Page
Merchant Token	SHA256(iMid+referenceNo+amt+merchantKey)
Payment Method	04 Direct Debit

Parameter	Type	Size	Description	Example / Notes
iMid Required	AN	10	Merchant ID	IONPAYTEST
payMethod Required	N	2	Payment Method	04
currency Required	A	3	Currency	IDR
amt Required	N	12	Goods Amount	15000
referenceNo Required	ANS	40	Merchant Order Number	ordNo123124
goodsNm Required	AN	100	Goods Name	Test Goods
billingNm Required	A	A	Billing Name	John Doe
billingPhone Required	N	15	Billing Phone Number	081249195
billingEmail Required	ANS	40	Billing E-mail	test@merchant.com
billingCity Required	A	50	Billing City	Jakarta
billingState Required	A	50	Billing State	DKI Jakarta
billingPostCd Required	N	10	Billing Post Number	14350
billingCountry Required	A	10	Billing Country	Indonesia
callBackUrl Required	ANS	255	Payment Result Page	https://merchant.com/callBackUrl
dbProcessUrl Required	ANS	255	Payment Notif URL	https://merchant.com/dbProcessUrl
description Required	AN	100	Description	test item
merchantToken Required	AN	255	Merchant Token	6cfccfc0046773c1b589d8e 98f8b596c284f3c70a4ecf8 6eba14c18944b74bcd
userIP Required	ANS	15	User IP (Customer)	127.0.0.1
cartData Required	JSON OBJECT	4000	Cart Data (JSON Format)	{}
mitraCd Required	A	4	Mitra Code	JENC
clickPayNo Required	N	16	ClickPay Card Number
dataField3 Required	N	16	Token 3 for Direct Debit
clickPayToken Required	N	6	Response Token
billingAddr	AN	255	Billing Address	Jln Cendrawasih
deliveryNm	A	30	Delivery Name	John Doe
deliveryPhone	N	15	Delivery Phone	08125912342
deliveryAddr	AN	100	Delivery Address	Jln Merak
deliveryEmail	ANS	100	Delivery E-Mail	test@merchant.com
deliveryCity	A	50	Delivery City	Jakarta
deliveryState	A	50	Delivery State	DKI Jakarta
deliveryPostCd	A	10	Delivery Post Code	14350
deliveryCountry	A	10	Delivery Country	Indonesia
vat	N	12	VAT	0
fee	N	12	Service Tax	0
notaxAmt	N	12	Tax Free Amount	0
reqDt	N	8	Request Date (YYYYMMDD)	20160301
reqTm	N	6	Request Time (HH24MISS)	135959
reqDomain	ANS	100	Request Domain	merchant.com
reqServerIP	ANS	15	Request Server IP	127.0.0.1
reqClientVer	ANS	50	Request Client Version	1.0
userSessionID	AN	100	User Session ID	userSessionID
userAgent	ANS	100	User Agent	Mozilla
userLanguage	ANS	2	User Language	en-US
cashtag Required for Jenius	AN	100	cashtagId (with $)	$johndoe

Parameter	Type	Size	Description	Example / Notes
resultCd	N	4	Result Code	0000
resultMsg	AN	255	Result Message	SUCCESS
tXid	AN	30	Transaction ID	TESTIDTEST04201803011131521855
referenceNo	ANS	40	Merchant Order Number	99997
payMethod	N	2	Payment Method	04
amount	N	12	Payment Amount	10000
transDt	N	8	Transaction Date (YYYYMMDD)	20180301
transTm	N	6	Transction Time (HH24MISS)	113152
description	ANS	100	Transaction Description	Payment of Reference Number 99997
callbackUrl	ANS	100	Callback URL	http://www.merchant.com/callbackUrl
currency	A	3	Currency	IDR
goodsNm	AN	100	Goods Name	Test Transaction NICEPAY
billingNm	N	30	Buyer Name	Customer Name
mitraCd	A	4	Mitra Code	MDRC

Updated 08 Oct 2024

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About Direct Debit

Supported Direct Debit by NICEPAY

Direct Debit Flow V1

Direct Debit Registration

API Specifications - Direct Debit Registration

Request Parameter - Direct Debit Registration

Response Parameter - Direct Debit Registration

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