--- title: Registration & Notification - Account Binding Paylater API slug: nicepay-api-non-snap-advance-registration-and-notification-account-binding-api-paylater-api description: Informasi tentang API Non-SNAP Advance Registration & Notification - Account Binding Paylater API yang terdapat pada sistem NICEPAY image: https://archbee-image-uploads.s3.amazonaws.com/ZHvSjR5ZrsoxwKbJa3xmo/HXye3FrXtixPUgnf_atAv_nicepay-docs-logo.png icon: {"faIcon":"fa-solid fa-book"} docTags: createdAt: 2025-09-16T07:55:14.876Z --- # Tentang Registration & Notification - Account Binding Paylater API *** API ini digunakan oleh Merchant untuk menghubungkan akun pengguna guna mempermudah Merchant saat melakukan pemeriksaan detail akun serta mempercepat proses pembayaran. :::hint{type="info"} Account Binding API Paylater saat ini hanya dapat digunakan pada proses Paylater khusus Mitra Kredivo. ::: # Alur Proses Registration & Notification - Account Binding Paylater API *** ![Registration & Notification - Account Binding Paylater API](https://api.archbee.com/api/optimize/ZHvSjR5ZrsoxwKbJa3xmo/l8UDhrC12AHMaddXNdn-i_diagram-seamless-payment-api-paylater-tokenize-without-transaction.jpg "Registration & Notification - Account Binding Paylater API") Deskripsi alur: 1. Pelanggan mendaftarkan nomor telepon kepada Merchant. 2. Merchant mengajukan penghubungan akun kepada NICEPAY. 3. NICEPAY mengajukan penghubungan akun kepada Paylater Partner. 4. Paylater Partner melakukan validasi. 5. Paylater Partner mengirimkan *response *kepada NICEPAY. 6. NICEPAY melakukan return redirect URL terhadap Merchant. 7. Merchant melakukan *redirect* ke halaman Partner terhadap Pelanggan. 8. Pelanggan melakukan login melalui halaman login Partner. 9. Pelanggan mengirimkan kredensial kepada Paylater Partner. 10. Paylater Partner melakukan validasi login. 11. Paylater Partner melakukan *return *OTP terhadap Pelanggan. 12. Pelanggan memasukkan OTP kepada Paylater Partner . 13. Paylater Partner melakukan *generate *User Token (Account Bound). 14. Paylater Partner mengarahkan Pelanggan menuju halaman Merchant/NICEPAY. 15. Pada saat proses pengajuan penghubungan akun: - Pada bagian Pelanggan: - Halaman NICEPAY/Merchant ditampilkan pada Pelanggan. - Pelanggan menunggu persetujuan. - Dari bagian Notifikasi: - Paylater Partner mengirimkan notifikasi kepada NICEPAY. - NICEPAY menerima notifikasi. - NICEPAY mengirimkan notifikasi kepada Merchant. - Merchant menerima notifikasi. - Merchant menampilkan hasil penghubungan akun kepada Pelanggan. Registration - Account Binding Paylater API =========================================== *** | **API Endpoint** | `/nicepay/v2/userAccountBinding` | | ------------------ | ------------------------------------------------------------------------- | | **Request Method** | **POST****** | | **Merchant Token** | **SHA256 **(`iMid` + `referenceNo` + `billingPhone` + `merchantKey`) | | **Request Format** | `application/JSON` | ## Request Parameter for Registration - Account Binding Paylater API *** | **Parameter** | **Tipe** | **Ukuran** | **Deskripsi** | **Contoh / Catatan** | | ---------------------------------------------------------- | -------- | ---------- | ---------------------------------------------------------------------- | ---------------------------------------------------------------------------------------- | | `merchantToken`
Required | AN | 255 | Merchant Token | 6cfccfc0046773c1b589d8e98f8b596c284f3c70a4ecf86eba14c18944b74bcd | | `iMid`
Required | AN | 10 | Merchant ID | IONPAYTEST | | `timestamp`
Required | N | 14 | Request Timestamp | 20190318151435 | | `referenceNo`
Required | ANS | 40 | Merchant Reference Number | MerchantReferenceNumber001 | | `payMethod`
Required | N | 2 | Payment Method
| `06`

`06` : Paylater | | `mitraCd`
Required | A | 4 | Mitra Code | `KDVI`

`KDVI` : Kredivo | | `billingNm`
Required | A | 100 | User Name | Jhon Doe | | `billingPhone`
Required | N | 15 | Kredivo User Phone | +62-82112345678

Format:
+62-`user phone number` | | `billingEmail` | ANS | 40 | User Email | [buyer@merchant.com](mailto\:buyer@merchant.com) | | `dbProcessUrl`
Required | ANS | 255 | Merchant notification path URL to receive "User token" (Account Bound) | [http://www.merchant.com/notif/userHandling](http://www.merchant.com/notif/userHandling) | | `callBackUrl`
Required | ANS | 255 | Merchant payment result forward URL after finish tokenize | [http://www.merchant.com/callback](http://www.merchant.com/callback) | | `clientUserKey`
Required | AN | 50 | Merchant User Key | 23124532 | ## Response Parameter for Registration - Account Binding Paylater API *** | **Parameter** | **Tipe** | **Ukuran** | **Deskripsi** | **Contoh / Catatan** | | ----------------- | -------- | ---------- | -------------------------------------------- | ------------------------------------------------------------------------------------------------------------------ | | `resultCd` | N | 4 | [Result Code](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 | Payment Method
`06` : Paylater | 06 | | `transDt` | N | 8 | Transaction Date | 20160303 | | `transTm` | N | 6 | Transaction Time | 135959 | | `mitraCd` | A | 4 | [Mitra Code](docId\:DwzaQDD7DXZMECz80A6o8) | `KDVI`

`KDVI` : Kredivo | | `redirectUrlHttp` | ANS | 255 | URL to open linking page | [https://pay.kredivo.com/kredivo/v2/connecting?tk=xxxxxx](https://pay.kredivo.com/kredivo/v2/connecting?tk=xxxxxx) | ## Sample Parameter for Registration - Account Binding Paylater API *** :::CodeblockTabs Request Parameter ```json { "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 ```json { "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 Paylater API =========================================== *** NICEPAY akan mengirimkan *user token *dengan *push notification* yang dikirim melalui `dbProcessUrl` Merchant pada saat Registration - Account Binding. Merchant harus memastikan tidak melakukan Blacklist IP NICEPAY dan melakukan Whitelist IP NICEPAY untuk mendapatkan *push notification* yang hanya dikirim dari server NICEPAY. | **API Endpoint** | Merchant `dbProcessUrl` | | ------------------ | -------------------------------------------------------------- | | **Request Method** | **POST****** | | **Request Format** | `application/JSON` | | **Merchant Token** | SHA256 (`iMid`+ `referenceNo`+ `billingPhone` + `merchantKey`) | ## Request Parameter for Notification - Account Binding Paylater API *** | **Parameter** | **Tipe** | **Ukuran** | **Deskripsi** | **Contoh / Catatan** | | ---------------------------------------------------------- | -------- | ---------- | ----------------------------------------------------------------- | ---------------------------------------------------------------- | | `merchantToken`
Required | AN | 255 | Merchant token | 6cfccfc0046773c1b589d8e98f8b596c284f3c70a4ecf86eba14c18944b74bcd | | `iMid`
Required | AN | 10 | Merchant ID | IONPAYTEST | | `tXid` | AN | 30 | Transaction ID | IONPAYTEST06201607291027025291 | | `referenceNo`
Required | ANS | 40 | Merchant Reference Number | MerchantReferenceNumber001 | | `mitraCd`
Required | A | 4 | [Mitra Code](docId\:DwzaQDD7DXZMECz80A6o8)
`KDVI` : Kredivo | KDVI | | `billingNm`
Required | A | 100 | User Name | Jhon Doe | | `billingPhone`
Required | N | 15 |


User phone | +62-82112345678 | | `clientUserKey`
Required | AN | 50 | Merchant User Key | 735b7080-e08f-4ed4-927f-f77d44a7 | | `userToken`
Required | AN | 100 | User Token | 23124532 | ## Sample Parameter for Notification - Account Binding Paylater API *** :::CodeblockTabs Sample Notification ```json { "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" } ``` :::