---
title: Recurring - Payment API Credit Card
slug: nicepay-api-non-snap-recurring-payment-api-credit-card
description: Informasi tentang API Non-SNAP Payment - Payment - Recurring - API Credit Card yang terdapat pada sistem NICEPAY
image: https://archbee-image-uploads.s3.amazonaws.com/ZHvSjR5ZrsoxwKbJa3xmo/otjXnuqEkvVJt-RYK9y_G_rdrx9d8diaz-pgm07xfz2-test-1-1.png
icon: {"faIcon":"fa-solid fa-book"}
docTags: 
createdAt: 2022-12-01T07:59:26.000Z
---

# Tentang Recurring - Payment API Credit Card

***

Pembayaran tipe Recurring adalah fitur lain dari Kartu Kredit yang dapat melakukan pembayaran suatu tagihan dari Pelanggan Anda secara berkala dengan nominal yang sama seperti yang ditagihkan pada awal pembayaran. 

API yang digunakan pada tahap pembayaran ini sama dengan API untuk pembayaran tipe Full Payment & Installment dan Pre-Auth & Capture. Namun, terdapat perbedaan pada *request* parameter yang dikirimkan.

NICEPAY akan memberikan sebuah `recurringToken` sebagai parameter Payment API *response* yang disebut sebagai `recurring token making`. Merchant dapat menggunakan `recurringToken` pada Payment API request selanjutnya tanpa menggunakan `cardNo` dan `cardExpYymm`. 



# Recurring - Payment API Credit Card (First Payment)

***

Untuk dapat mengaktifkan transaksi Kartu Kredit dengan jenis Recurring*,* Anda wajib membayarkan transaksi yang sudah dibuat untuk mendapatkan `recurringToken` terlebih dahulu. 



| **API Endpoint**                                                               | `/nicepay/direct/v2/payment`                                 |
| ------------------------------------------------------------------------------ | ------------------------------------------------------------ |
| **Method**<br /><font color="#2166ae">application/x-www-form-urlencoded</font> | <font color="#3b9f0f">**POST**</font>****                    |
| **Description**                                                                | Recurring Payment Credit Card                                |
| **Merchant Token**                                                             | SHA256(`timeStamp`+`iMid`+`referenceNo`+`amt`+`merchantKey`) |

:::hint{type="info"}
Spesifikasi API yang digunakan sama dengan [API Recurring Token Credit Card](docId\:SjreJJRgOns-SDo4dqNE2).
:::



## Request Parameter for Recurring - Payment API Credit Card (First Payment)

***

Berikut adalah *request payment* pada Recurring untuk mendapatkan `recurringToken` yang di mana Anda diperlukan untuk menyelesaikan [Recurring - Registration API Credit Card](docId\:SjreJJRgOns-SDo4dqNE2) terlebih dahulu.&#x20;

Anda masih membutuhkan `cardNo`, `cardExpYymm`, `cardCvv`, `cardHolderNm`& `cardHolderEmail` dari Pelanggan pada pembayaran pertama dalam skema Recurring ini.

| **Parameter**                                                | **Tipe** | **Ukuran** | **Deskripsi**                          | **Contoh / Catatan**                                             |
| ------------------------------------------------------------ | -------- | ---------- | -------------------------------------- | ---------------------------------------------------------------- |
| `timeStamp`<br /><font color="#2166ae">Required</font>       | N        | 14         | Request Timestamp (`YYYYMMDDHH24MISS`) | 20230522080502                                                   |
| `tXid`<br /><font color="#2166ae">Required</font>            | AN       | 30         | &#xD;Transaction ID	                   | IONPAYTEST01202305220041509298                                   |
| `referenceNo`<br /><font color="#2166ae">Required</font>     | ANS      | 40         | Merchant Order Number                  | MerchantReferenceNumber001                                       |
| `merchantToken`<br /><font color="#2166ae">Required</font>   | AN       | 255        | Merchant Token                         | ff139e49606387091cd9baeadff3161aff6afd9406e1f481e0fdb8b46d1ae5ae |
| `cardNo`<br /><font color="#2166ae">Required</font>          | N        | 20         | Credit Card Number                     | 51234500\*\*\*\*0000                                             |
| `cardExpYymm`<br /><font color="#2166ae">Required</font>     | A        | 4          | Card Expiry (`YYMM`)	                  | 3901                                                             |
| `cardCvv`<br /><font color="#2166ae">Required</font>         | N        | 4          | Card CVV                               | 100                                                              |
| `cardHolderNm`<br /><font color="#2166ae">Required</font>    | AN       | 45         | Card Holder Name                       | John Doe<br /><br />**Only alphabet allowed**                    |
| `cardHolderEmail`<br /><font color="#2166ae">Required</font> | ANS      | 100        | Card Holder Email                      | johndoe\@gmail.com                                               |
| `callBackUrl`<br /><font color="#2166ae">Required</font>     | ANS      | 255        | Payment Result URL                     | https\://www\.nicepay.co.id/IONPAY\_CLIENT/paymentResult.jsp     |



## Response Parameter for Recurring - Payment API Credit Card (First Payment)

***

Berikut adalah rincian *response* yang Anda dapatkan. Mohon untuk melakukan *save & store&#x20;*`recurringToken` yang sudah didapat demi menjalankan proses fitur Recurring pada transaksi selanjutnya dengan Kartu Kredit Pelanggan yang sama.

| **Parameter**    | **Tipe** | **Ukuran** | **Deskripsi**                                                                                                                     | **Contoh / Catatan**                                             |
| ---------------- | -------- | ---------- | --------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------- |
| `timeStamp`      | N        | 14         | Response Date<br />(`YYYYMMDDHH24MISS`)                                                                                           | 20230520135959                                                   |
| `resultCd`       | N        | 4          | [Result Code](docId\:gvAdBBr0SQ92N1zHplSFM)                                                                                       | 0000                                                             |
| `resultMsg`      | AN       | 255        | [Result Message](docId\:yEh1VA9k2y6sL1kQF2aWD)                                                                                    | SUCCESS                                                          |
| `tXid`           | AN       | 30         | Transaction ID                                                                                                                    | IONPAYTEST01202305161007570327                                   |
| `referenceNo`    | ANS      | 40         | Merchant Order Number                                                                                                             | MerchantReferenceNumber001                                       |
| `payMethod`      | N        | 2          | [Payment Method Code](docId\:g7inRV70XcSA9lP7bpmok)                                                                               | 01<br /><br />When Success                                       |
| `amount`         | N        | 12         | Payment Amount                                                                                                                    | 10000<br /><br />When Success                                    |
| `currency`       | AN       | 3          | Currency                                                                                                                          | IDR<br /><br />When Success                                      |
| `goodsNm`        | AN       | 100        | Goods Name                                                                                                                        | Merchant Goods 1<br /><br />When Success                         |
| `billingNm`      | AN       | 100        | Buyer Name                                                                                                                        | John Doe<br /><br />When Success                                 |
| `transDt`        | N        | 8          | Transaction Date<br />(`YYYYMMDD`)                                                                                                | 20230516<br /><br />When Success                                 |
| `transTm`        | N        | 6          | Transaction Time<br />(`HH24MISS`)                                                                                                | 135959<br /><br />When Success                                   |
| `description`    | AN       | 100        | Transaction Description                                                                                                           | This Is The Description Of The Payment <br /><br />When Success  |
| `authNo`         | N        | 10         | Approval Number                                                                                                                   | 123456<br /><br />When Success                                   |
| `issuBankCd`     | A        | 4          | [Issuing Bank Code](docId:1U7QOax_wrzXMoCG-Mqad)                                                                                  | CENA (Refer Bank Code)<br /><br />When Success                   |
| `acquBankCd`     | A        | 4          | [Acquiring Bank Code](docId:1U7QOax_wrzXMoCG-Mqad)                                                                                | BNIA (Refer Bank Code)<br /><br />When Success                   |
| `cardNo`         | AN       | 20         | Card Number (Masked)                                                                                                              | 51234500\*\*\*\*0008<br /><br />When Success                     |
| `cardExpYymm`    | N        | 4          | Card Expiry<br />(`YYMM`)                                                                                                         | 3901<br /><br />When Success                                     |
| `instmntMon`     | N        | 1          | Installment Month                                                                                                                 | 1<br /><br />When Success                                        |
| `instmntType`    | N        | 2          | [Installment Type Code](docId:7CIX-U_4z295XgtNVEsbO)<br />                                                                        | 1<br /><br />When Success                                        |
| `ccTransType`    | AN       | 2          | [Credit Card Transaction Type](docId:8m3-7Smhm_jhdrE5pCRzp)<br />`1` Normal<br />`2` Recurring<br />`3` Pre-Auth<br />`4` Capture | 2<br /><br />When Success                                        |
| `vat`            | N        | 12         | Value Added Tax ( VAT)                                                                                                            | 0<br /><br />When Success                                        |
| `fee`            | N        | 12         | Service Fee                                                                                                                       | 0<br /><br />When Success                                        |
| `notaxAmt`       | N        | 12         | Tax Free Amount                                                                                                                   | 0<br /><br />When Success                                        |
| `recurringToken` | AN       | 64         | Token That Using Recurring Payment                                                                                                | f19e3128784d0b33c189d5df21321c781b5bd107b185587fd8a54781aa845c84 |
| `acquBankNm`     | A        | 255        | Acquiring Bank Name                                                                                                               | CIMB                                                             |
| `issuBankNm`     | A        | 255        | Issuing Bank Name                                                                                                                 | BCA                                                              |





## Sample Parameter for Recurring - Payment API Credit Card (First Payment)

***

### Request Parameter

:::CodeblockTabs
cURL

```curl
curl --location 'https://dev.nicepay.co.id/nicepay/direct/v2/payment' \
--header 'X-FORWARDED-FOR: 1.2.3' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--data-urlencode 'timeStamp=20250930150955' \
--data-urlencode 'tXid=RECURRTEST01202509301555563979' \
--data-urlencode 'referenceNo=ordNo20250930150915' \
--data-urlencode 'merchantToken=bc2ee7790486a7ee4a5313d4c1d4088a38456b89204e308ae38e0beee3849d0b' \
--data-urlencode 'cardNo=5123450000000008' \
--data-urlencode 'cardExpYymm=3106' \
--data-urlencode 'cardCvv=100' \
--data-urlencode 'cardHolderNm=Nicepay Test' \
--data-urlencode 'callBackUrl=https://dev.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp?order_id=RECURRTEST01202509301555563979'
```

Node.js

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

let parameterPayment = {
  amt: "1000",
  referenceNo: "ordNo20250930150915",
  tXid: "RECURRTEST01202509301555563979",
  cardNo: "5123450000000008",
  callBackUrl: "https://dev.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp?order_id=RECURRTEST01202509301555563979",
  cardExpYymm: "3106",
  cardCvv: "100",
  recurringToken: "",  // Leave empty for first payment
  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("RECURRTEST01202509301555563979")              // Transaction ID from registration
        .iMid("RECURRTEST")                                   // Your NICEPay iMid
        .referenceNo("ordNo20250930150915")                  // Unique order reference
        .amt("1000")                                          // Payment amount
        .merchantToken(timeStamp, iMid, reffNo, amount, MERCHANT_KEY) // Secure token generation
        .cardNo("5123450000000008")                           // Test card number
        .cardExpYymm("3601")                                  // 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 for first payment
        .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("TESTMPGS0501202510011026450166")            # Transaction ID from registration
    .setReferenceNo("ordNo20250930150915")                 # 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 for hold fund request
    .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: "3601",                     // Card expiry in YYMM format
  cardCvv: "100",                          // 3-digit CVV
  cardHolderEmail: "customer@example.com", // Cardholder email
  cardHolderNm: "Nicepay Test",                // Cardholder name
  callBackUrl: "https://your-domain.com/callback", // Callback URL after payment
  tXid: "RECURRTEST01202509301555563979", // Transaction ID from registration
  merchantToken: "bc2ee7790486a7ee4a5313d4c1d4088a38456b89204e308ae38e0beee3849d0b", // Secure token
  recurringToken: "",                      // Leave empty for first payment
};

const response = await Nicepay.paymentTransaction(paymentData);

```

Laravel

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

// Request body parameters
$txid = "RECURRTEST01202509301555563979";
$timestamp = Carbon::now()->format("YmdHis"); // Current timestamp (yyyyMMddHHmmss)
$reference_no = "ordNo20250930150915";
$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
    "recurringToken" => "",
];

$response = HttpUtil::redirectWithQueryParams($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("TESTMPGS05") // Your NICEPay iMid
    ->tXid("TESTMPGS0501202510011026450166") // Transaction ID from registration
    ->referenceNo("ordNo20251001101069") // Unique order reference
    ->merchantToken(
        $timestamp,
        $iMid,
        $referenceNO,
        $amt,
        $this->merchantKey
    ) // Generate secure token
    ->cardNo(TestConst::$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
    ->recurringToken("") 
    ->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("RECURRTEST01202509301555563979") // Transaction ID from registration
    .iMid("RECURRTEST") // Your NICEPay iMid
    .merchantKey(MERCHANT_KEY) // Secret merchant key
    .referenceNo("ordNo20250930150915") // 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("3601") // Card expiry date (YYMM)
    .recurringToken("") // Left empty for first payment 
    .build()

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

### Response Parameter

:::CodeblockTabs
Sample Response

```html
<!-- <!DOCTYPE html PUBLIC "-//W3C//DTD HTML 5.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"> -->

<!DOCTYPE html>
<html>

<head>

    <meta http-equiv="Content-Type" content="text/html; charset=UTF-8" />
    <meta http-equiv="X-UA-Compatible" content="IE=edge,chrome=1" />

    <script type="text/javascript" src="/nicepay/js/bootstrap.js"></script>
    <link rel="stylesheet" type="text/css" href="/nicepay/css/bootstrap.css" />
    <link rel="stylesheet" type="text/css" href="/nicepay/css/bootstrap_backup.css" />
    <link rel="stylesheet" type="text/css" href="/nicepay/css/bootstrap.min.css" />
    <link rel="stylesheet" type="text/css" href="/nicepay/css/form.css" />
    <link rel="stylesheet" type="text/css" href="/nicepay/css/bootstrap-responsive.css" />
    <link rel="stylesheet" type="text/css" href="/nicepay/css/basic.css" />

    <link rel="shortcut icon" href="https://www.nicepay.co.id/favicon.ico" type="image/x-icon" />
    <link rel="icon" href="https://www.nicepay.co.id/favicon.ico" type="image/x-icon" />

    <script type="text/javascript" src="/nicepay/js/jquery.js"></script>
    <script type="text/javascript" src="/nicepay/js/jquery.min.js"></script>
    <script type="text/javascript" src="/nicepay/js/common.js"></script>


</head>

<body>











    <html>

    <head>
        <meta name="viewport" content="width=device-width, initial-scale=1.0">
        <script type="text/javascript">
            function setAcsInfo(){
		if ('01' != '05') {
			document.tranMgr.action = $("#callbackUrl").val();
		} else if ('01' == '05' && '' != null && '' == 'OVOE') {
			document.tranMgr.action = $("#callbackUrl").val();
		}
		
		if (document.tranMgr.cardBrand.value == null || document.tranMgr.cardBrand.value == "")
			document.tranMgr.cardBrand.setAttribute("disabled", true);
		
		document.tranMgr.submit();
	}

        </script>
    </head>
    <style>
        body {
            min-width: 100%;
            height: auto;
            min-height: 500px;
            overflow: none;
            border: none;
        }

        .wrapper {
            position: absolute;
            top: 0;
            left: 0;
            background-color: transparent;
            display: flex;
            justify-content: center;
            align-items: center;
            height: 100%;
            width: 100%;
            z-index: 10;
        }

        .loader {
            color: #79CDBD;
            font-size: 10px;
            width: 1em;
            height: 1em;
            border-radius: 50%;
            position: relative;
            text-indent: -9999em;
            animation: mulShdSpin 1.3s infinite linear;
            transform: translateZ(0);
        }

        @keyframes mulShdSpin {

            0%,
            100% {
                box-shadow: 0 -3em 0 0.2em,
                    2em -2em 0 0em, 3em 0 0 -1em,
                    2em 2em 0 -1em, 0 3em 0 -1em,
                    -2em 2em 0 -1em, -3em 0 0 -1em,
                    -2em -2em 0 0;
            }

            12.5% {
                box-shadow: 0 -3em 0 0, 2em -2em 0 0.2em,
                    3em 0 0 0, 2em 2em 0 -1em, 0 3em 0 -1em,
                    -2em 2em 0 -1em, -3em 0 0 -1em,
                    -2em -2em 0 -1em;
            }

            25% {
                box-shadow: 0 -3em 0 -0.5em,
                    2em -2em 0 0, 3em 0 0 0.2em,
                    2em 2em 0 0, 0 3em 0 -1em,
                    -2em 2em 0 -1em, -3em 0 0 -1em,
                    -2em -2em 0 -1em;
            }

            37.5% {
                box-shadow: 0 -3em 0 -1em, 2em -2em 0 -1em,
                    3em 0em 0 0, 2em 2em 0 0.2em, 0 3em 0 0em,
                    -2em 2em 0 -1em, -3em 0em 0 -1em, -2em -2em 0 -1em;
            }

            50% {
                box-shadow: 0 -3em 0 -1em, 2em -2em 0 -1em,
                    3em 0 0 -1em, 2em 2em 0 0em, 0 3em 0 0.2em,
                    -2em 2em 0 0, -3em 0em 0 -1em, -2em -2em 0 -1em;
            }

            62.5% {
                box-shadow: 0 -3em 0 -1em, 2em -2em 0 -1em,
                    3em 0 0 -1em, 2em 2em 0 -1em, 0 3em 0 0,
                    -2em 2em 0 0.2em, -3em 0 0 0, -2em -2em 0 -1em;
            }

            75% {
                box-shadow: 0em -3em 0 -1em, 2em -2em 0 -1em,
                    3em 0em 0 -1em, 2em 2em 0 -1em, 0 3em 0 -1em,
                    -2em 2em 0 0, -3em 0em 0 0.2em, -2em -2em 0 0;
            }

            87.5% {
                box-shadow: 0em -3em 0 0, 2em -2em 0 -1em,
                    3em 0 0 -1em, 2em 2em 0 -1em, 0 3em 0 -1em,
                    -2em 2em 0 0, -3em 0em 0 0, -2em -2em 0 0.2em;
            }
        }
    </style>

    <body onLoad="javascript:setAcsInfo();">
        <div class="wrapper" id="loader">
            <span class="loader"></span>
        </div>




        <form name="tranMgr" method="post" action="">
            <input type="hidden" id="callbackUrl"  value="https://dev.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp?order_id=RECURRTEST01202509301555563979">
            <input type="hidden" name="resultCd"  value="0000">
            <input type="hidden" name="resultMsg" value="SUCCESS">
            <input type="hidden" name="tXid" value="RECURRTEST01202509301555563979">
            <input type="hidden" name="referenceNo" value="ordNo20250930150915">
            <input type="hidden" name="payMethod" value="01">
            <input type="hidden" name="amt" value="1000">
            <input type="hidden" name="transDt" value="20250930">
            <input type="hidden" name="transTm" value="155556">
            <input type="hidden" name="description" value="">
            <input type="hidden" name="authNo" value="563979">
            <input type="hidden" name="issuBankCd" value="BTPN">
            <input type="hidden" name="acquBankCd" value="BMRI">
            <input type="hidden" name="cardNo" value="51234500****0008">
            <input type="hidden" name="receiptCode" value="">
            <input type="hidden" name="mitraCd" value="">
            <input type="hidden" name="recurringToken" value="20b50427bc05cba305b0d580bf403e3c8487db29454459a920b6af358e435035">
            <input type="hidden" name="preauthToken" value="">

            <input type="hidden" name="currency" value="IDR">
            <input type="hidden" name="goodsNm" value="Goods">
            <input type="hidden" name="billingNm" value="Nicepay test RECURRTEST">
            <input type="hidden" name="ccTransType" value="1">
            <input type="hidden" name="mRefNo" value="">

            <input type="hidden" name="instmntType" value="1">
            <input type="hidden" name="instmntMon" value="1">

            <input type="hidden" name="cardExpYymm" value="3106">

            <input type="hidden" name="issuBankNm" value="BTPN">
            <input type="hidden" name="acquBankNm" value="Mandiri">

            <input type="hidden" name="timeStamp" value="20250930155726">
            <input type="hidden" name="merchantToken" value="2a826d3285de0d09d7fa92cb788dfcb35a1656af15b81b97a0b42c5115510983">
            <input type="hidden" name="cardBrand" value="">



        </form>



    </body>

    </html>
</body>

</html>
```
:::



# Continual Recurring - Payment API Credit Card&#x20;

***

Setelah melakukan pembayaran pertama dan telah mendapatkan `recurringToken` pada [Recurring - Payment API Credit Card (First Payment)](docId\:E8D2ke74fVQIhMJ2zifJu)**.&#x20;**

Anda dapat menggunakan `recurringToken` tersebut untuk melakukan pembayaran tagihan lain menggunakan kredensial Kartu Kredit Pelanggan yang sama demi menerapkan mekanisme pembayaran secara berkala atau Recurrin&#x67;*&#x20;(subscription)*. Namun, untuk menjalankan proses *payment continual recurring* ini, Anda tetap diperlukan untuk melakukan registrasi transaksi terlebih dahulu pada [Recurring - Registration API Credit Card](docId\:SjreJJRgOns-SDo4dqNE2).

Berikut adalah rincian *request&#x20;*&#x64;an *response&#x20;*&#x79;ang digunakan pada pembayaran berikutnya menggunakan recurring token yang sama.



| **API Endpoint**                                                               | `/nicepay/direct/v2/payment`                                 |
| ------------------------------------------------------------------------------ | ------------------------------------------------------------ |
| **Method**<br /><font color="#2166ae">application/x-www-form-urlencoded</font> | <font color="#3b9f0f">**POST**</font>****                    |
| **Description**                                                                | Recurring Continual Payment Credit Card                      |
| **Merchant Token**                                                             | SHA256(`timeStamp`+`iMid`+`referenceNo`+`amt`+`merchantKey`) |

:::hint{type="info"}
Spesifikasi API yang digunakan sama dengan [API Recurring Token Credit Card](docId\:SjreJJRgOns-SDo4dqNE2).
:::



## Request Payment for Continual Recurring - Payment API Credit Card

***

Anda hanya perlu menggunakan `recurringToken` pada Payment API Recurring untuk *request* selanjutnya ini tanpa menggunakan parameter `cardNo` dan `cardExpYymm`.&#x20;

| **Parameter**                                                | **Tipe** | **Ukuran** | **Deskripsi**                          | **Contoh / Catatan**                                                                     |
| ------------------------------------------------------------ | -------- | ---------- | -------------------------------------- | ---------------------------------------------------------------------------------------- |
| `timeStamp`<br /><font color="#2166ae">Required</font>       | N        | 14         | Request Timestamp (`YYYYMMDDHH24MISS`) | 20230522080502                                                                           |
| `tXid`<br /><font color="#2166ae">Required</font>            | AN       | 30         | &#xD;Transaction ID	                   | IONPAYTEST01202305220041509298                                                           |
| `referenceNo`<br /><font color="#2166ae">Required</font>     | ANS      | 40         | Merchant Order Number                  | MerchantReferenceNumber001                                                               |
| `merchantToken`<br /><font color="#2166ae">Required</font>   | AN       | 255        | Merchant Token                         | ff139e49606387091cd9baeadff3161aff6afd9406e1f481e0fdb8b46d1ae5ae                         |
| `recurringToken`<br /><font color="#2166ae">Required</font>  | AN       | 64         | Token That Using Recurring Payment     | When Success<br /><br />f19e3128784d0b33c189d5df21321c781b5bd107b185587fd8a54781aa845c84 |
| `cardCvv`<br /><font color="#2166ae">Required</font>         | N        | 4          | Card CVV                               | 100                                                                                      |
| `cardHolderNm`<br /><font color="#2166ae">Required</font>    | AN       | 45         | Card Holder Name                       | John Doe<br /><br />**Only alphabet allowed**                                            |
| `cardHolderEmail`<br /><font color="#2166ae">Required</font> | ANS      | 100        | Card Holder Email                      | johndoe\@gmail.com                                                                       |
| `callBackUrl`<br /><font color="#2166ae">Required</font>     | ANS      | 255        | Payment Result URL                     | https\://www\.nicepay.co.id/IONPAY\_CLIENT/paymentResult.jsp                             |

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



## Response Payment for Continual Recurring - Payment API Credit Card

***

| **Parameter** | **Tipe** | **Ukuran** | **Deskripsi**                                                                                                                     | **Contoh / Catatan**                                            |
| ------------- | -------- | ---------- | --------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------- |
| `timeStamp`   | N        | 14         | Response Date<br />(`YYYYMMDDHH24MISS`)                                                                                           | 20230520135959                                                  |
| `resultCd`    | N        | 4          | [Result Code](docId\:gvAdBBr0SQ92N1zHplSFM)                                                                                       | 0000                                                            |
| `resultMsg`   | AN       | 255        | [Result Message](docId\:yEh1VA9k2y6sL1kQF2aWD)                                                                                    | SUCCESS                                                         |
| `tXid`        | AN       | 30         | Transaction ID                                                                                                                    | IONPAYTEST202206230959067259                                    |
| `referenceNo` | ANS      | 40         | Merchant Order Number                                                                                                             | MerchantReferenceNumber001                                      |
| `payMethod`   | N        | 2          | [Payment Method Code](docId\:g7inRV70XcSA9lP7bpmok)                                                                               | 01<br /><br />When Success                                      |
| `amt`         | N        | 12         | Payment Amount                                                                                                                    | 10000<br /><br />When Success                                   |
| `currency`    | AN       | 3          | Currency                                                                                                                          | IDR<br /><br />When Success                                     |
| `goodsNm`     | AN       | 100        | Goods Name                                                                                                                        | Merchant Goods 1<br /><br />When Success                        |
| `billingNm`   | AN       | 100        | Buyer Name                                                                                                                        | John Doe<br /><br />When Success                                |
| `transDt`     | N        | 8          | Transaction Date<br />(`YYYYMMDD`)                                                                                                | 20230516<br /><br />When Success                                |
| `transTm`     | N        | 6          | Transaction Time<br />(`HH24MISS`)                                                                                                | 135959<br /><br />When Success                                  |
| `description` | AN       | 100        | Transaction Description                                                                                                           | This Is The Description Of The Payment <br /><br />When Success |
| `authNo`      | N        | 10         | Approval Number                                                                                                                   | 123456<br /><br />When Success                                  |
| `issuBankCd`  | A        | 4          | [Issuing Bank Code](docId\:QBEQ29LJ53Z-VbvXTvB7L)                                                                                 | CENA (Refer Bank Code)<br /><br />When Success                  |
| `acquBankCd`  | A        | 4          | [Acquiring Bank Code](docId\:QBEQ29LJ53Z-VbvXTvB7L)                                                                               | CENA (Refer Bank Code)<br /><br />When Success                  |
| `cardNo`      | AN       | 20         | Card Number (Masked)                                                                                                              | 51234500\*\*\*\*0008<br /><br />When Success                    |
| `cardExpYymm` | N        | 4          | Card Expiry<br />(`YYMM`)                                                                                                         | 3901<br /><br />When Success                                    |
| `instmntMon`  | N        | 1          | Installment Month                                                                                                                 | 1<br /><br />When Success                                       |
| `instmntType` | N        | 2          | [Installment Type Code](docId:7CIX-U_4z295XgtNVEsbO)                                                                              | 1<br /><br />When Success                                       |
| `ccTransType` | AN       | 2          | [Credit Card Transaction Type](docId:8m3-7Smhm_jhdrE5pCRzp)<br />`1` Normal<br />`2` Recurring<br />`3` Pre-Auth<br />`4` Capture | 2<br /><br />When Success                                       |
| `vat`         | N        | 12         | Value Added Tax (VAT)                                                                                                             | 0<br /><br />When Success                                       |
| `fee`         | N        | 12         | Service Fee                                                                                                                       | 0<br /><br />When Success                                       |
| `notaxAmt`    | N        | 12         | Tax Free Amount                                                                                                                   | 0<br /><br />When Success                                       |
| `acquBankNm`  | A        | 255        | Acquiring Bank Name                                                                                                               | CIMB                                                            |
| `issuBankNm`  | A        | 255        | Issuing Bank Name                                                                                                                 | BCA                                                             |



## Sample Parameter for Continual Recurring - Payment API Credit Card

***

### Request Parameter

:::CodeblockTabs
cURL

```curl
curl --location 'https://dev.nicepay.co.id/nicepay/direct/v2/payment' \
--header 'X-FORWARDED-FOR: 1.2.3' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--header 'Cookie: JSESSIONID=95539D2A218BD0BA1EA20D10878B53E2.pg_was1' \
--data-urlencode 'timeStamp=20250930170957' \
--data-urlencode 'tXid=RECURRTEST01202509301729488790' \
--data-urlencode 'referenceNo=ordNo20250930170928' \
--data-urlencode 'merchantToken=7c60ad0bfb38e1599bbcee61e3bba438bf9f6ffbbaa0d1cfc561c9fdcd24f89d' \
--data-urlencode 'cardHolderNm=Nicepay Test' \
--data-urlencode 'recurringToken=20b50427bc05cba305b0d580bf403e3c8487db29454459a920b6af358e435035' \
--data-urlencode 'callBackUrl=https://dev.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp?order_id=RECURRTEST01202509301729488790'
```

Node.js

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

let parameterPayment = {
  amt: "1000",
  referenceNo: "ordNo20250930170928",
  tXid: "RECURRTEST01202509301729488790",
  callBackUrl: "https://dev.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp?order_id=RECURRTEST01202509301555563979",
  cardHolderNm: "Nicepay Test",
  recurringToken: "20b50427bc05cba305b0d580bf403e3c8487db29454459a920b6af358e435035",
  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("RECURRTEST01202509301729488790")              // Transaction ID from registration
        .iMid("RECURRTEST")                                   // Your NICEPay iMid
        .referenceNo("ordNo20250930170928")                  // Unique order reference
        .amt("1000")                                          // Payment amount
        .merchantToken(timeStamp, iMid, reffNo, amount, MERCHANT_KEY) // Secure token generation
        .cardHolderNm("NICEPAY TEST")                         // Cardholder name
        .callBackUrl("https://www.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp") // Callback URL
        .recurringToken("20b50427bc05cba305b0d580bf403e3c8487db29454459a920b6af358e435035")                                   // Leave empty for first payment
        .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("RECURRTEST01202509301729488790")            # Transaction ID from registration
    .setReferenceNo("ordNo20250930170928")                 # Unique order reference
    .setCashtag("")                 
    .setRecurringToken("20b50427bc05cba305b0d580bf403e3c8487db29454459a920b6af358e435035")                                  # 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 = {
  cardHolderEmail: "customer@example.com", // Cardholder email
  cardHolderNm: "Nicepay Test",                // Cardholder name
  callBackUrl: "https://your-domain.com/callback", // Callback URL after payment
  tXid: "RECURRTEST01202509301729488790", // Transaction ID from registration
  merchantToken: "bc2ee7790486a7ee4a5313d4c1d4088a38456b89204e308ae38e0beee3849d0b", // Secure token
  recurringToken: "20b50427bc05cba305b0d580bf403e3c8487db29454459a920b6af358e435035",                      // Leave empty for first payment
};

const response = await Nicepay.paymentTransaction(paymentData);

```

Laravel

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

// Request body parameters
$txid = "RECURRTEST01202509301729488790";
$timestamp = Carbon::now()->format("YmdHis"); // Current timestamp (yyyyMMddHHmmss)
$reference_no = "ordNo20250930170928";
$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
    "callBackUrl"     => "https://www.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp", // Callback URL
    "returnJsonFormat"=> "1",        // Force JSON response format
    "recurringToken" => "20b50427bc05cba305b0d580bf403e3c8487db29454459a920b6af358e435035",
];

$response = HttpUtil::redirectWithQueryParams($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("RECURRTEST01202509301729488790") // Transaction ID from registration
    ->referenceNo("ordNo20250930170928") // Unique order reference
    ->merchantToken(
        $timestamp,
        $iMid,
        $newCCTrx->getReferenceNo(),
        $newCCTrx->getAmt(),
        $this->merchantKey
    ) // Generate secure token
    ->cardHolderNm("Nicepay test") // Cardholder name
    ->callBackUrl("https://dev.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp?") // Callback URL after payment
    ->recurringToken("20b50427bc05cba305b0d580bf403e3c8487db29454459a920b6af358e435035") 
    ->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("RECURRTEST01202509301555563979") // Transaction ID from registration
    .iMid("RECURRTEST") // Your NICEPay iMid
    .merchantKey(MERCHANT_KEY) // Secret merchant key
    .referenceNo("ordNo20250930150915") // Unique order reference number
    .amt("1000") // Payment amount
    .callBakUrl("https://dev.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp") // Callback URL after payment
    .recurringToken("20b50427bc05cba305b0d580bf403e3c8487db29454459a920b6af358e435035") // Left empty for first payment 
    .build()

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

### Response Parameter

:::CodeblockTabs
Sample Response

```html
<!-- <!DOCTYPE html PUBLIC "-//W3C//DTD HTML 5.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"> -->

<!DOCTYPE html>
<html>

<head>

    <meta http-equiv="Content-Type" content="text/html; charset=UTF-8" />
    <meta http-equiv="X-UA-Compatible" content="IE=edge,chrome=1" />

    <script type="text/javascript" src="/nicepay/js/bootstrap.js"></script>
    <link rel="stylesheet" type="text/css" href="/nicepay/css/bootstrap.css" />
    <link rel="stylesheet" type="text/css" href="/nicepay/css/bootstrap_backup.css" />
    <link rel="stylesheet" type="text/css" href="/nicepay/css/bootstrap.min.css" />
    <link rel="stylesheet" type="text/css" href="/nicepay/css/form.css" />
    <link rel="stylesheet" type="text/css" href="/nicepay/css/bootstrap-responsive.css" />
    <link rel="stylesheet" type="text/css" href="/nicepay/css/basic.css" />

    <link rel="shortcut icon" href="https://www.nicepay.co.id/favicon.ico" type="image/x-icon" />
    <link rel="icon" href="https://www.nicepay.co.id/favicon.ico" type="image/x-icon" />

    <script type="text/javascript" src="/nicepay/js/jquery.js"></script>
    <script type="text/javascript" src="/nicepay/js/jquery.min.js"></script>
    <script type="text/javascript" src="/nicepay/js/common.js"></script>


</head>

<body>











    <html>

    <head>
        <meta name="viewport" content="width=device-width, initial-scale=1.0">
        <script type="text/javascript">
            function setAcsInfo(){
		if ('01' != '05') {
			document.tranMgr.action = $("#callbackUrl").val();
		} else if ('01' == '05' && '' != null && '' == 'OVOE') {
			document.tranMgr.action = $("#callbackUrl").val();
		}
		
		if (document.tranMgr.cardBrand.value == null || document.tranMgr.cardBrand.value == "")
			document.tranMgr.cardBrand.setAttribute("disabled", true);
		
		document.tranMgr.submit();
	}

        </script>
    </head>
    <style>
        body {
            min-width: 100%;
            height: auto;
            min-height: 500px;
            overflow: none;
            border: none;
        }

        .wrapper {
            position: absolute;
            top: 0;
            left: 0;
            background-color: transparent;
            display: flex;
            justify-content: center;
            align-items: center;
            height: 100%;
            width: 100%;
            z-index: 10;
        }

        .loader {
            color: #79CDBD;
            font-size: 10px;
            width: 1em;
            height: 1em;
            border-radius: 50%;
            position: relative;
            text-indent: -9999em;
            animation: mulShdSpin 1.3s infinite linear;
            transform: translateZ(0);
        }

        @keyframes mulShdSpin {

            0%,
            100% {
                box-shadow: 0 -3em 0 0.2em,
                    2em -2em 0 0em, 3em 0 0 -1em,
                    2em 2em 0 -1em, 0 3em 0 -1em,
                    -2em 2em 0 -1em, -3em 0 0 -1em,
                    -2em -2em 0 0;
            }

            12.5% {
                box-shadow: 0 -3em 0 0, 2em -2em 0 0.2em,
                    3em 0 0 0, 2em 2em 0 -1em, 0 3em 0 -1em,
                    -2em 2em 0 -1em, -3em 0 0 -1em,
                    -2em -2em 0 -1em;
            }

            25% {
                box-shadow: 0 -3em 0 -0.5em,
                    2em -2em 0 0, 3em 0 0 0.2em,
                    2em 2em 0 0, 0 3em 0 -1em,
                    -2em 2em 0 -1em, -3em 0 0 -1em,
                    -2em -2em 0 -1em;
            }

            37.5% {
                box-shadow: 0 -3em 0 -1em, 2em -2em 0 -1em,
                    3em 0em 0 0, 2em 2em 0 0.2em, 0 3em 0 0em,
                    -2em 2em 0 -1em, -3em 0em 0 -1em, -2em -2em 0 -1em;
            }

            50% {
                box-shadow: 0 -3em 0 -1em, 2em -2em 0 -1em,
                    3em 0 0 -1em, 2em 2em 0 0em, 0 3em 0 0.2em,
                    -2em 2em 0 0, -3em 0em 0 -1em, -2em -2em 0 -1em;
            }

            62.5% {
                box-shadow: 0 -3em 0 -1em, 2em -2em 0 -1em,
                    3em 0 0 -1em, 2em 2em 0 -1em, 0 3em 0 0,
                    -2em 2em 0 0.2em, -3em 0 0 0, -2em -2em 0 -1em;
            }

            75% {
                box-shadow: 0em -3em 0 -1em, 2em -2em 0 -1em,
                    3em 0em 0 -1em, 2em 2em 0 -1em, 0 3em 0 -1em,
                    -2em 2em 0 0, -3em 0em 0 0.2em, -2em -2em 0 0;
            }

            87.5% {
                box-shadow: 0em -3em 0 0, 2em -2em 0 -1em,
                    3em 0 0 -1em, 2em 2em 0 -1em, 0 3em 0 -1em,
                    -2em 2em 0 0, -3em 0em 0 0, -2em -2em 0 0.2em;
            }
        }
    </style>

    <body onLoad="javascript:setAcsInfo();">
        <div class="wrapper" id="loader">
            <span class="loader"></span>
        </div>




        <form name="tranMgr" method="post" action="">
            <input type="hidden" id="callbackUrl"  value="https://dev.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp?order_id=RECURRTEST01202509301729488790">
            <input type="hidden" name="resultCd"  value="0000">
            <input type="hidden" name="resultMsg" value="SUCCESS">
            <input type="hidden" name="tXid" value="RECURRTEST01202509301729488790">
            <input type="hidden" name="referenceNo" value="ordNo20250930170928">
            <input type="hidden" name="payMethod" value="01">
            <input type="hidden" name="amt" value="1000">
            <input type="hidden" name="transDt" value="20250930">
            <input type="hidden" name="transTm" value="172948">
            <input type="hidden" name="description" value="">
            <input type="hidden" name="authNo" value="488790">
            <input type="hidden" name="issuBankCd" value="BTPN">
            <input type="hidden" name="acquBankCd" value="BMRI">
            <input type="hidden" name="cardNo" value="51234500****0008">
            <input type="hidden" name="receiptCode" value="">
            <input type="hidden" name="mitraCd" value="">
            <input type="hidden" name="recurringToken" value="">
            <input type="hidden" name="preauthToken" value="">

            <input type="hidden" name="currency" value="IDR">
            <input type="hidden" name="goodsNm" value="Goods">
            <input type="hidden" name="billingNm" value="Nicepay test RECURRTEST">
            <input type="hidden" name="ccTransType" value="2">
            <input type="hidden" name="mRefNo" value="">

            <input type="hidden" name="instmntType" value="1">
            <input type="hidden" name="instmntMon" value="1">

            <input type="hidden" name="cardExpYymm" value="3106">

            <input type="hidden" name="issuBankNm" value="BTPN">
            <input type="hidden" name="acquBankNm" value="Mandiri">

            <input type="hidden" name="timeStamp" value="20250930173145">
            <input type="hidden" name="merchantToken" value="898c48420ac413ce6cd86bde6a29203b017e8476fc0f2f3f7f92d866adfdfc5a">
            <input type="hidden" name="cardBrand" value="">



        </form>



    </body>

    </html>
</body>

</html>
```
:::



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

***

:::hint{type="info"}
`tXid` tidak akan sama dengan *request hold.&#x20;*&#x50;roses Capture akan memastikan bahwa nilai `amount` yang di-*capture* tidak melebihi dana yang dimiliki
:::

:::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` dapat sangat membantu untuk meminimalisir terjadinya *Fraud*, kami sangat merekomendasikan  untuk melakukan verifikasi `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"
}
```
:::