---
title: Full Payment & Installment - Payment API Credit Card
slug: nicepay-api-non-snap-full-payment-and-installment-payment-api-credit-card
description: Informasi tentang API Non-SNAP Payment - Payment - Full Payment & Installment - API Credit Card yang terdapat pada sistem NICEPAY
image: https://archbee-image-uploads.s3.amazonaws.com/ZHvSjR5ZrsoxwKbJa3xmo/AWpRk6vj3jr-uZ9j90Unk_rdrx9d8diaz-pgm07xfz2-test-1-1.png
icon: {"faIcon":"fa-solid fa-book"}
docTags: 
createdAt: 2023-02-15T08:48:35.000Z
---

# Tentang Full Payment & Installment - Payment API Credit Card

***

API ini digunakan setelah menyelesaikan API [Full Payment & Installment - Registration API Credit Card](docId:_Ls7or4RN1z2Pgc8wH8lD). API yang digunakan pada tahap pembayaran ini sama dengan API untuk pembayaran tipe Recurring Token dan Pre-Auth & Capture. Namun, terdapat perbedaan pada *request* parameter yang dikirimkan.



# Full Payment & Installment - Payment API Credit Card

***





| **API Endpoint**   | `/nicepay/direct/v2/payment`                                 |
| ------------------ | ------------------------------------------------------------ |
| **Request Method** | <font color="#3b9f0f">**POST**</font>****                    |
| **Description**    | Full Payment & Installment - Payment API Credit Card&#xD;    |
| **Merchant Token** | SHA256(`timeStamp`+`iMid`+`referenceNo`+`amt`+`merchantKey`) |
| **Request Format** | `application/x-www-form-urlencoded`                          |

:::hint{type="warning"}
Pada pembayaran Kartu Kredit, jika autentikasi 3Ds diperlukan, Pelanggan Anda akan diarahkan ke halaman 3Ds Bank *Card Issuer* yang memerlukan untuk *input* kode OTP (*One Time Password*) untuk menyelesaikan proses transaksinya.
:::



## Request Parameter for Full Payment & Installment - Payment API Credit Card

***

Berikut ini adalah daftar *request&#x20;*&#x70;arameter untuk memproses pembayaran transaksi pada metode pembayaran Kartu Kredit *Full Payment & Installment*. *Request* parameter dilakukan melalui Form-Url dengan rincian parameter sebagai berikut.

| **Parameter**                                                                                   | **Tipe** | **Ukuran** | **Deskripsi**                          | **Contoh / Catatan**                                             |
| ----------------------------------------------------------------------------------------------- | -------- | ---------- | -------------------------------------- | ---------------------------------------------------------------- |
| `timeStamp`<br /><font color="#2166ae">Required</font>                                          | N        | 14         | Request Timestamp (`YYYYMMDDHH24MISS`) | 20221202141217                                                   |
| `tXid`<br /><font color="#2166ae">Required</font>                                               | AN       | 30         | Transaction ID	                        | IONPAYTEST01202212021455054652                                   |
| `referenceNo`                                                                                   | N        | 40         | Reference Number for Payment           | ordNo20221202141217                                              |
| `cardNo
`<br /><font color="#2166ae">Required for CC 
</font><br />                             | N        | 20         | Credit Card Number                     | 4434260000000008&#xD;                                            |
| `cardExpYymm
`<br /><font color="#2166ae">Required for CC </font><font color="#2166ae">
</font> | A        | 4          | Card Expiry (`YYMM`)	                  | 3901                                                             |
| `cardCvv
`<br /><font color="#2166ae">Required for CC</font>                                    | N        | 4          | Card CVV                               | 101                                                              |
| `cardHolderNm
`<br /><font color="#2166ae">Required
</font>                                     | AN       | 45         | Card Holder Name                       | John Doe<br /><br />**Only alphabet allowed**<br />&#xD;         |
| `cardHolderEmail`<br /><font color="#2166ae">Required</font>                                    | ANS      | 100        | Card Holder Email                      | johndoe\@gmail.com                                               |
| `merchantToken
`<br /><font color="#2166ae">Required
</font>                                    | AN       | 255        | Merchant Token                         | c91e6531f6c84869439bc5ebe5389bd71e7752c054fc9dbfe193d087a1b797ae |
| `callBackUrl
`<br /><font color="#2166ae">Required
</font>                                      | ANS      | 255        | Payment Result URL                     | https\://merchant.com/callBackUrl&#xD;                           |

Parameter yang dibutuhkan untuk proses transaksi adalah data Kartu Kredit/Debit dari Pelanggan Anda, yaitu berupa `cardNo`*,&#x20;*`cardExpYymm`*,&#x20;*`cardCvv`*,&#x20;*`cardHolderNm` & `cardHolderEmail`*.&#x20;*

Jadi, untuk dapat melakukan proses transaksi, kami sarankan agar Anda untuk memperoleh data kartu tersebut dari Pelanggan Anda terlebih dahulu sebelum melakukan proses Payment API.

:::hint{type="warning"}
Mencantumkan `cardCVV` pada setiap transaksi bergantung dari MID tipe *CVV* atau *Non-CVV*.
:::



## Response Parameter for Full Payment & Installment - Payment API Credit Card

***

Setelah Anda melakukan *request*, Anda akan mendapatkan *response&#x20;*&#x64;ari Callback URL dengan rincian r*esponse&#x20;*&#x70;arameter sebagai berikut.

| **Parameter** | **Tipe** | **Ukuran** | **Deskripsi**                                                                                                                                         | **Contoh / Catatan**  |
| ------------- | -------- | ---------- | ----------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------- |
| `resultCd`    | N        | 14         | [Result Code](docId\:gvAdBBr0SQ92N1zHplSFM)                                                                                                           |                       |
| `resultMsg`   | AN       | 255        | Result message: [Error Code](docId\:yEh1VA9k2y6sL1kQF2aWD)                                                                                            |                       |
| `tXid`        | AN       | 30&#xD;    | Transaction ID	                                                                                                                                       | When success&#xD;     |
| `referenceNo` | ANS      | 40         | Merchant Order Number                                                                                                                                 | When success&#xD;     |
| `payMethod`   | N        | 2          | [Payment Method Code](docId\:g7inRV70XcSA9lP7bpmok)                                                                                                   | When success&#xD;     |
| `amt
`        | N        | 12         | Payment Amount	                                                                                                                                       | When success&#xD;     |
| `currency`    | AN       | 3          | Currency                                                                                                                                              | When success&#xD;     |
| `goodsNm`     | A        | 100        | Goods Name	                                                                                                                                           | When success&#xD;     |
| `billingNm`   | A        | 100        | Buyer Name	                                                                                                                                           | When success&#xD;     |
| `transDt`     | N        | 8          | Transaction Date (`YYYYMMDD`)                                                                                                                         | When success&#xD;     |
| `transTm`     | N        | 6          | Transaction Time (`HH24MISS`)	                                                                                                                        | When success&#xD;     |
| `description` | AN       | 100        | Transaction Description	                                                                                                                              | When success&#xD;     |
| `authNo`      | N        | 10         | Approval Number	                                                                                                                                      | When success, CC&#xD; |
| `issuBankCd`  | A        | 4          | [Issuing Bank Code](docId:1U7QOax_wrzXMoCG-Mqad)                                                                                                      | When success, CC&#xD; |
| `acquBankCd`  | A        | 4          | [Acquiring Bank Code](docId:1U7QOax_wrzXMoCG-Mqad)                                                                                                    | When success, CC&#xD; |
| `cardNo`      | ANS      | 20         | Card Number with Masking                                                                                                                              | When success, CC&#xD; |
| `cardExpYymm` | N        | 4          | Card Expiry (`YYMM`)	                                                                                                                                 | When success, CC&#xD; |
| `instmntMon`  | N        | 2          | Installment Month                                                                                                                                     | When success, CC&#xD; |
| `instmntType` | N        | 2          | [Installment Type Code](docId:7CIX-U_4z295XgtNVEsbO)                                                                                                  | When success, CC&#xD; |
| `ccTransType` | N        | 2          | [Credit Card Transaction Type](docId:8m3-7Smhm_jhdrE5pCRzp) <br />`1`: Normal&#xD;<br />`2`: Recurring&#xD;<br />`3`: Pre-Auth&#xD;<br />`4`: Capture | When Success, CC&#xD; |




Sample Parameter for Full Payment & Installment - Payment API Credit Card
-------------------------------------------------------------------------

***

### Request Parameter

:::CodeblockTabs
cURL

```curl
curl --location 'https://www.nicepay.co.id/nicepay/direct/v2/payment' \
  --header 'Content-Type: application/x-www-form-urlencoded' \
  --data-urlencode 'timeStamp=20250922143200' \
  --data-urlencode 'tXid=IONPAYTEST8108202509221432005539' \
  --data-urlencode 'referenceNo=reffNo20250922143200' \
  --data-urlencode 'merchantToken=020c4c90a89a388206d057cffe7c83df2ec1ead78ec17656544e4a58430ab7ea' \
  --data-urlencode 'cardNo=5123450000000008' \
  --data-urlencode 'cardExpYymm=3601' \
  --data-urlencode 'cardCvv=100' \
  --data-urlencode 'cardHolderNm=TEST' \
  --data-urlencode 'callBackUrl=https://www.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp'

```

Node.js

```nodejs
let secondVersion = new SecondApiVersion(config);

let parameterPayment = {
  amt: "1000",
  referenceNo: "reffNo20250922143200",
  tXid: "IONPAYTEST8108202509221432005539",
  cardNo: "5123450000000008",
  callBackUrl: "https://www.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp",
  cardExpYymm: "2901",
  cardCvv: "100",
  recurringToken: "",
  cardHolderNm: "Nicepay Test",
  preauthToken: "",
  cardHolderEmail: "test@email.com",
};

let response = secondVersion.requestPayment(parameterPayment);
```

```java
NICEPay config = NICEPay.builder()
        .isProduction(false) // Set to true for production
        .build();

Card requestData = Card.builder()
        .timeStamp("20250922143200")                           // Current timestamp (yyyyMMddHHmmss)
        .tXid("IONPAYTEST8108202509221432005539")              // Transaction ID from registration
        .iMid("IONPAYTEST")                                   // Your NICEPay iMid
        .referenceNo("reffNo20250922143200")                  // Unique order reference
        .amt("1000")                                          // Payment amount
        .merchantToken(timeStamp, iMid, reffNo, amount, MERCHANT_KEY) // Secure token generation
        .cardNo("5123450000000008")                           // Test card number
        .cardExpYymm("2908")                                  // Card expiry date (YYMM)
        .cardCvv("100")                                       // 3-digit CVV
        .cardHolderNm("NICEPAY TEST")                         // Cardholder name
        .callBackUrl("https://www.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp") // Callback URL
        .recurringToken("")                                   // Leave empty if not recurring
        .preauthToken("")                                     // Leave empty if not pre-auth
        .build();

String responseHtml = V2CardService.callV2CardPaymentRequest(requestData, config);

```

```python
bodyPayment = (
    builderPayment.BuildPayment()
    .setTimestamp(datetime.now().strftime("%Y%m%d%H%M%S"))  # Current timestamp (yyyyMMddHHmmss)
    .setTxid("IONPAYTEST8108202509221432005539")            # Transaction ID from registration
    .setReferenceNo("reffNo20250922143200")                 # Unique order reference
    .setCashtag("")                                         # Leave empty if not using cashtag
    .setCardNo("5123450000000008")                          # Test card number
    .setCardExpYymm("3901")                                 # Card expiry date (YYMM)
    .setCardCvv("100")                                      # 3-digit CVV
    .setRecurringToken("")                                  # Leave empty if not recurring
    .setPreAuthToken("")                                    # Leave empty if not pre-auth
    .setAmt("1000")                                         # Payment amount
    .build()
)

environment = (
    builderEnvironment.BuildEnvironment()
    .isCloud(False)   # Set to True if using NICEPay Cloud
    .isProduction(False)  # Set to True for production
    .build()
)

response = ServiceNicepay.servicePayment(
    DataGenerator.getPaymentBody(bodyPayment.dataPayment()),
    environment
)

```

Vanilla JS

```javascript
const paymentData = {
  cardNo: "5123450000000008",              // Test card number
  cardExpYymm: "2901",                     // Card expiry in YYMM format
  cardCvv: "100",                          // 3-digit CVV
  cardHolderEmail: "customer@example.com", // Cardholder email
  cardHolderNm: "John Doe",                // Cardholder name
  callBackUrl: "https://your-domain.com/callback", // Callback URL after payment
  tXid: "IONPAYTEST8108202509221432005539", // Transaction ID from registration
  merchantToken: "020c4c90a89a388206d057cffe7c83df2ec1ead78ec17656544e4a58430ab7ea", // Secure token
  recurringToken: "",                      // Leave empty if not recurring
};

const response = await Nicepay.paymentTransaction(paymentData);

```

Laravel

```php
$url = HttpUtil::getNicepayDomain($this->useProd, $this->useCloud) . $this->payment_endpoint;

// Request body parameters
$txid = "IONPAYTEST8108202509221432005539";
$timestamp = Carbon::now()->format("YmdHis"); // Current timestamp (yyyyMMddHHmmss)
$reference_no = "reffNO20250922143200";
$amt = "1000";

// Generate secure merchant token
$merchant_token = $this->generateMerchantToken(
    $timestamp,
    $this->imid,
    $reference_no,
    $amt,
    $this->mer_key
);

$param = [
    "timeStamp"       => $timestamp, // Current timestamp
    "tXid"            => $txid,      // Transaction ID from registration
    "merchantToken"   => $merchant_token, // Secure hash token
    "cardNo"          => "5123450000000008", // Test card number
    "cardExpYymm"     => "3901",     // Card expiry date (YYMM)
    "cardCvv"         => "100",      // 3-digit CVV
    "callBackUrl"     => "https://www.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp", // Callback URL
    "returnJsonFormat"=> "1",        // Force JSON response format
];

$response = HttpUtil::redirectWithQueryParams($url, $param);

```

PHP Native

```php
$config = NICEPay::builder()
    ->setIsProduction(true) // Set to false for sandbox/testing
    ->build();

$parameter = Card::builder()
    ->timeStamp($timestamp) // Current timestamp (yyyyMMddHHmmss)
    ->iMid("IONPAYTEST") // Your NICEPay iMid
    ->tXid("IONPAYTEST8108202509221432005539") // Transaction ID from registration
    ->referenceNo("reffNo20250922143200") // Unique order reference
    ->merchantToken(
        $timestamp,
        $iMid,
        $newCCTrx->getReferenceNo(),
        $newCCTrx->getAmt(),
        $this->merchantKey
    ) // Generate secure token
    ->cardNo(TestConst::$CARD_NO) // Test card number from constants
    ->cardExpYymm(TestConst::$CARD_EXP_YYMM) // Card expiry date (YYMM)
    ->cardCvv(TestConst::$CARD_CVV) // 3-digit CVV
    ->cardHolderNm("Nicepay test") // Cardholder name
    ->callBackUrl("https://dev.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp?") // Callback URL after payment
    ->build();

$cardService = new V2CardService($config);
$response = $cardService->payment($parameter);

```

```kotlin
var config: NICEPay? = NICEPay.Builder()
    .isProduction(true) // Set to false for sandbox/testing
    .build()

val request: DirectV2RequestPaymentCard = DirectV2RequestPaymentCard.Builder()
    .timeStamp("20250922143200") // Current timestamp (yyyyMMddHHmmss)
    .tXid("IONPAYTEST8108202509221432005539") // Transaction ID from registration
    .iMid("IONPAYTEST") // Your NICEPay iMid
    .merchantKey(MERCHANT_KEY) // Secret merchant key
    .referenceNo("reffNO20250922143200") // Unique order reference number
    .amt("1000") // Payment amount
    .callBakUrl("https://www.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp") // Callback URL after payment
    .cardNo("5123450000000008") // Test card number
    .cardCvv("123") // 3-digit CVV (sample)
    .cardExpYymm("2512") // Card expiry date (YYMM)
    .build()

val response = paymentService.registration(request, config)!!
```
:::



### Response Parameter

:::CodeblockTabs
Sample Response

```html
<head>
	<style>
		body {min-width: 100%; height: auto; min-height: 500px; overflow: none; border: none; background: url("/nicepay/images/rotate.gif") no-repeat center;
	</style>
	</head>
	<body onload='javascript:getBrowserInfo();'>
		<div style='visibility:hidden'>
			<div id="initiate3dsSimpleRedirect" xmlns="http://www.w3.org/1999/html"> <iframe id="methodFrame" name="methodFrame" height="100" width="200" > </iframe> <form id ="initiate3dsSimpleRedirectForm" method="POST" action="https://mtf.gateway.mastercard.com/acs/mastercard/v2/method" target="methodFrame"> <input type="hidden" name="threeDSMethodData" value="eyJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIjoiaHR0cHM6Ly9tdGYuZ2F0ZXdheS5tYXN0ZXJjYXJkLmNvbS9jYWxsYmFja0ludGVyZmFjZS9nYXRld2F5LzNjMTlhMzU0NjgwMWU2ZDMwMTYwZWJiMDllMjAxYzg2NTU0MzZkMzRjYjgwOWFjNTIyMmMxMzIwZDFhMjI3ZDUiLCJ0aHJlZURTU2VydmVyVHJhbnNJRCI6ImM2YTI5MTllLTdlNWMtNDcyMi1hYmJlLTY5YmVlZDAyM2IzZiJ9" /> </form> <script id="initiate-authentication-script"> var e=document.getElementById("initiate3dsSimpleRedirectForm"); if (e) { e.submit(); if (e.parentNode !== null) { e.parentNode.removeChild(e); } } </script> </div> 
		</div>
		<form name="mpgsAuthFrm" id="mpgsAuthFrm" method="post" action='https://dev.nicepay.co.id/nicepay/api/mpgsAuth.do'>
			<input type='hidden' name='tXid' value='IONPAYTEST8108202509221432005539'>
			<input type='hidden' name='cardNo' value='5123450000000008'>
			<input type='hidden' name='cardExpYymm' value='2901'>
			<input type='hidden' name='cardCvv' value='100'>
			<input type='hidden' name='callbackUrl' value='https://dev.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp'>
			<input type='hidden' name='registered' value='true'>
			<input type='hidden' name='directV1' value='false'>
			<input type='hidden' name='authResult' value='false'>
			<input type='hidden' name='browser' value=''>
			<input type='hidden' name='browserJavaEnabled' value='false'>
			<input type='hidden' name='browserJavascriptEnabled' value='2'>
			<input type='hidden' name='browserLanguage' value=''>
			<input type='hidden' name='browserScreenColorDepth' value=''>
			<input type='hidden' name='browserScreenHeight' value='0'>
			<input type='hidden' name='browserScreenWidth' value='0'>
			<input type='hidden' name='browserTimeZone' value='0'>
		</form>
	<script>
		function getBrowserInfo() {
			document.mpgsAuthFrm.browser.value = navigator.userAgent;
			document.mpgsAuthFrm.browserJavaEnabled.value = window.navigator.javaEnabled() === true ? 'true' : 'false';
			document.mpgsAuthFrm.browserJavascriptEnabled.value = "1"; 
			document.mpgsAuthFrm.browserLanguage.value = navigator.language; 
			document.mpgsAuthFrm.browserScreenColorDepth.value = screen.colorDepth; 
			document.mpgsAuthFrm.browserScreenHeight.value = screen.height; 
			document.mpgsAuthFrm.browserScreenWidth.value = screen.width; 
			document.mpgsAuthFrm.browserTimeZone.value = new Date().getTimezoneOffset(); 
			document.mpgsAuthFrm.submit(); 
		}
	</script>
	</body>
```
:::



## CallBack Handling for Full Payment & Installment - Payment API Credit Card

***

Setelah transaksi terjadi, Anda akan mendapatkan notifikasi dari kami sesuai dengan Callback URL yang Anda masukkan dalam *request* parameter pada [Payment - API Credit Card](docId\:FcJslW1q-2oJhb0HWqJsj).

:::hint{type="success"}
Saat *Callback&#x20;*&#x74;elah diterima `callbackUrl` Anda, kami sangat menganjurkan Merchant untuk melakukan verifikasi Status menggunakan [Status Inquiry - API Credit Card](docId\:voJ9rhAQRLcF-_74cYrFi).
:::

:::hint{type="warning"}
`CallBack Handling` sangat penting untuk membantu meminimalisir tindakan *Fraud,&#x20;*&#x6B;ami sangat merekomendasikan Merchant untuk melakukan verifikasi menggunakan `CallBack Handling`.
:::

:::CodeblockTabs
URL CallBack

```json
"callbackUrl" : "https://www.merchant.com/callbackUrl/"
```

Response CallBack

```json
{
    "resultCd":"0000",
    "resultMsg":"SUCCESS",
    "tXid":"IONPAYTEST01202212141112221428",
    "referenceNo":"",
    "payMethod":"01",
    "amt":"10000",
    "transDt":"20221212",
    "transTm":"121212",
    "description":"Testing Credit Card Transaction",
    "authNo":"080623",
    "issuBankCd":"OTHR"
    "acquBankCd":"BMRI",
    "cardNo":"453211*****1111",
    "goodsNm":"Test Transaction Nicepay"
    "billingNm":"John Doe",
    "currency":"IDR",
    "timeStamp":"20221212121212",
    "merchantToken":"2035d2295d9578fffb40137186f0203474142ae3e57992d4847826c5fcaffce6",
    "cardExpYymm":"2712",
    "instmntMon":"1",
    "instmntType":"1",
    "ccTransType":"1"
}
```
:::