Virtual Account - V1 Enterprise

9min

Virtual Account
﻿

﻿NICEPAY﻿ menawarkan Virtual Account﻿ sebagai metode pembayaran﻿. Dengan ini, Pembeli dapat melakukan pembayaran﻿ melalui ATM, SMS﻿ Bank﻿ing, Internet Bank﻿ing, atau Mobile Bank﻿ing. Real Time Notification akan dikirimkan ketika Pembeli berhasil melakukan pembayaran﻿.
Supported Bank by NICEPAY
﻿Bank﻿ Mandiri.
﻿Bank﻿ International Indonesia﻿ Maybank.
﻿Bank﻿ Permata.
﻿Bank﻿ Permata Syariah.
﻿Bank﻿ Central Asia (BCA).
﻿Bank﻿ Negara Indonesia﻿ 46 (BNI).
﻿Bank﻿ KEB Hana Indonesia﻿.
﻿Bank﻿ Rakyat Indonesia﻿ (BRI).
﻿Bank﻿ CIMB Niaga.
﻿Bank﻿ DANAMON.
Kami juga mendukung pembayaran﻿ Virtual Account﻿ dari Bank﻿ lain melalui ATM BERSAMA, ALTO, LINK, dan PRIMA.
VA Flow V1
﻿Merchant﻿ melakukan Request untuk Registrasi VA.
﻿Merchant﻿ menampilkan rincian dan cara pembayaran﻿.
Pembeli melakukan pembayaran﻿ dengan channel yang﻿ diinginkan (m-Banking, ATM, dll).
﻿NICEPAY﻿ mengirimkan Notifikasi ke Merchant﻿.
Virtual Account Flow V1 Enterprise
﻿
Alur transaksi:
﻿Pelanggan﻿ mengirimkan data checkout﻿ kepada Merchant﻿.
﻿Merchant﻿ mengirimkan pengajuan pendaftaran menggunakan Regist API kepada NICEPAY﻿. 
﻿NICEPAY﻿ mengirimkan response nomor VA dan TXID kepada Merchant﻿.
﻿Merchant﻿ menyimpan nomor VA.
﻿Merchant﻿ mengirim informasi﻿ VA kepada Pelanggan﻿.
﻿Pelanggan﻿ memasukkan nomor VA kemudian mengirimkan data kepada Bank﻿.
﻿Bank﻿ mengirimkan informasi﻿ Inquiry kepada Pelanggan﻿.
﻿Pelanggan﻿ melakukan pembayaran﻿ menggunakan VA kepada Bank﻿.
﻿Bank﻿ melakukan validasi pembayaran﻿.
﻿Bank﻿ mengirimkan informasi﻿ hasil pembayaran﻿ kepada Pelanggan﻿.
﻿Pelanggan﻿ mengirimkan Payment Notification/Payment Message kepada Merchant﻿.
﻿NICEPAY﻿ memperbaharui status﻿ pembayaran﻿.
﻿NICEPAY﻿ mengirimkan notifikasi﻿ dbProcessUrl kepada Merchant﻿.
﻿Merchant﻿ menerima notifikasi﻿.
﻿Merchant﻿ memeriksa Inquiry Status menggunakan Inquiry API﻿ kepada NICEPAY﻿.
﻿NICEPAY﻿ mengirim response kepada Merchant﻿.
﻿Merchant﻿ memperbaharui status﻿.
﻿Merchant﻿ mengirimkan konfirmasi pesanan kepada Pelanggan﻿.
﻿
VA Registration
﻿

API Specifications - VA Registration
API Endpoint
/nicepay/api/onePass.do
Request Method application/x-www-form-urlencoded
﻿POST﻿
Description
Request vacctNo for Virtual Account﻿ Payment﻿﻿
Merchant Token
SHA256(iMid+referenceNo+amt+merchantKey)
Payment Method
02 Virtual Account﻿﻿
﻿
Request Parameter - VA Registration
Sample API Request
// Payment Mandatory Field
nicePay.setPayMethod("02");
nicePay.setCurrency("IDR");
nicePay.setAmt("1000");
nicePay.setReferenceNo("MerchantReferenceNumber001");
nicePay.setBankCd("BMRI");
nicePay.setGoodsNm("Merchant Goods 1");
nicePay.setBillingNm("John Doe");
nicePay.setBillingEmail("buyer@merchant.com");
nicePay.setBillingPhone("08123456789");
nicePay.setBillingAddr("Billing Address");
nicePay.setBillingCity("Jakarta");
nicePay.setBillingState("Jakarta");
nicePay.setBillingPostCd("12345");
nicePay.setBillingCountry("Indonesia");
nicePay.setDeliveryNm("John Doe Delivery");
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("{}");

// 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");
nicePay.setVacctValidDt("20160303");
nicePay.setVacctValidTm("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 bankVacctNo= nicePay.Get("bankVacctNo");
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");
// Payment Mandatory Field
nicePay.setPayMethod("02");
nicePay.setCurrency("IDR");
nicePay.setAmt("1000");
nicePay.setReferenceNo("MerchantReferenceNumber001");
nicePay.setBankCd("BMRI");
nicePay.setGoodsNm("Merchant Goods 1");
nicePay.setBillingNm("John Doe");
nicePay.setBillingEmail("buyer@merchant.com");
nicePay.setBillingPhone("08123456789");
nicePay.setBillingAddr("Billing Address");
nicePay.setBillingCity("Jakarta");
nicePay.setBillingState("Jakarta");
nicePay.setBillingPostCd("12345");
nicePay.setBillingCountry("Indonesia");
nicePay.setDeliveryNm("John Doe Delivery");
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("{}");

// 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");
nicePay.setVacctValidDt("20160303");
nicePay.setVacctValidTm("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 bankVacctNo= nicePay.Get("bankVacctNo");
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");
﻿
Parameter
Tipe
Ukuran
Deskripsi
Contoh / Catatan
iMid
﻿Required﻿
AN
10
﻿Merchant﻿ ID
IONPAYTEST
payMethod
Required
﻿
AN
2
﻿Payment Method﻿﻿
02
currency
Required
﻿
N

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
30
Billing Name
John Doe
billingPhone
Required
﻿
N
15
Billing Phone Number
08123456789
billingEmail
Required
﻿

AN
40
Billing E-Mail
test@merchant.com
billingAddr
AN
100
Billing Address
Billing Address
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 URL
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
6cfccfc0046773c1b589d8e98f8b596c284f3c70a4ecf8 6eba14c18944b74bcd
userIP
Required﻿
ANS
15
User IP (Customer﻿)
127.0.0.1
cartData
Required﻿
JSON OBJECT
4000
Cart Data (JSON Format)
{}
bankCd
Required﻿
A
4
﻿Bank Code﻿﻿
CENA
deliveryNm
A
30
Delivery Name
John Doe
deliveryPhone
N
15
Delivery Phone
08125912342
deliveryAddr
AN
100
Delivery Address	
Jln Merak
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
merFixAcctId
AN
40
﻿Merchant﻿ Reserved VA ID
9999000000000001
﻿
Only VA Fix Account
vacctValidDt
N
8
VA Expiry Date (YYYYMMDD)	
20200303
vacctValidTm
N
6
VA Expiry Time (HH24MISS)	
135959
﻿
Response Parameter - VA Registration
Sample API Response
{
    "resultCd": "0000",
    "amount": "10000",
    "goodsNm": "Test Transaction Nicepay",
    "referenceNo": "99997",
    "transTm": "104721",
    "tXid": "TESTIDTEST02201803011047210789",
    "description": "Payment of referenceNo 99997,This Description",
    "bankVacctNo": "1047210789",
    "resultMsg": "SUCCESS",
    "billingNm": "Thomas Alfa Edison",
    "vacctValidDt": "20180308",
    "payMethod": "02",
    "bankCd": "BMRI",
    "callbackUrl": "http://www.merchant.com/callbackUrl",
    "currency": "IDR",
    "transDt": "20180301",
    "vacctValidTm": "235959"
}
{
    "resultCd": "0000",
    "amount": "10000",
    "goodsNm": "Test Transaction Nicepay",
    "referenceNo": "99997",
    "transTm": "104721",
    "tXid": "TESTIDTEST02201803011047210789",
    "description": "Payment of referenceNo 99997,This Description",
    "bankVacctNo": "1047210789",
    "resultMsg": "SUCCESS",
    "billingNm": "Thomas Alfa Edison",
    "vacctValidDt": "20180308",
    "payMethod": "02",
    "bankCd": "BMRI",
    "callbackUrl": "http://www.merchant.com/callbackUrl",
    "currency": "IDR",
    "transDt": "20180301",
    "vacctValidTm": "235959"
}
﻿

Parameter
Tipe
Ukuran
Deskripsi
Contoh / Catatan
resultCd
N
4
﻿Result Code﻿﻿
0000
resultMsg
AN
255
﻿Result Message﻿﻿
SUCCESS
tXid
AN
30
Transaction ID
TESTIDTEST02201803011047210789
referenceNo
ANS
40
﻿Merchant﻿ Order Number
99997
payMethod
N
2
﻿Payment Method﻿﻿
02
amount
N
12
﻿Payment﻿ Amount
10000
transDt
N
8
Transaction Date (YYYYMMDD)
20180301
transTm
N
6
Transaction Time (HH24MISS)
104721
description
ANS
100
Transaction Description
﻿Payment﻿ of Reference Number 99997, This Description
callbackUrl
ANS
100
Callback URL
http://www.merchant.com/callbackUrl
bankCd
A
4
﻿Bank Code﻿﻿
BMRI
bankVacctNo
N
20
VA Number
1047210789
currency
A
3
Currency
IDR
goodsNm
AN
100
Goods Name
Test Transaction {{nic}}
billingNm
A
30
Buyer Name
Thomas Alfa Edison
vacctValidDt
N
8
VA Expired Date (YYYYMMDD)
20180308
vacctValidTm
N
6
VA Expired Time (HH24MISS)
235959
﻿

API Endpoint	/nicepay/api/onePass.do
Request Method application/x-www-form-urlencoded	POST
Description	Request vacctNo for Virtual Account Payment
Merchant Token	SHA256(iMid+referenceNo+amt+merchantKey)
Payment Method	02 Virtual Account

Parameter	Tipe	Ukuran	Deskripsi	Contoh / Catatan
iMid Required	AN	10	Merchant ID	IONPAYTEST
payMethod Required	AN	2	Payment Method	02
currency Required	N	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	30	Billing Name	John Doe
billingPhone Required	N	15	Billing Phone Number	08123456789
billingEmail Required	AN	40	Billing E-Mail	test@merchant.com
billingAddr	AN	100	Billing Address	Billing Address
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 URL	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	6cfccfc0046773c1b589d8e98f8b596c284f3c70a4ecf8 6eba14c18944b74bcd
userIP Required	ANS	15	User IP (Customer)	127.0.0.1
cartData Required	JSON OBJECT	4000	Cart Data (JSON Format)	{}
bankCd Required	A	4	Bank Code	CENA
deliveryNm	A	30	Delivery Name	John Doe
deliveryPhone	N	15	Delivery Phone	08125912342
deliveryAddr	AN	100	Delivery Address	Jln Merak
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
merFixAcctId	AN	40	Merchant Reserved VA ID	9999000000000001 Only VA Fix Account
vacctValidDt	N	8	VA Expiry Date (YYYYMMDD)	20200303
vacctValidTm	N	6	VA Expiry Time (HH24MISS)	135959

Parameter	Tipe	Ukuran	Deskripsi	Contoh / Catatan
resultCd	N	4	Result Code	0000
resultMsg	AN	255	Result Message	SUCCESS
tXid	AN	30	Transaction ID	TESTIDTEST02201803011047210789
referenceNo	ANS	40	Merchant Order Number	99997
payMethod	N	2	Payment Method	02
amount	N	12	Payment Amount	10000
transDt	N	8	Transaction Date (YYYYMMDD)	20180301
transTm	N	6	Transaction Time (HH24MISS)	104721
description	ANS	100	Transaction Description	Payment of Reference Number 99997, This Description
callbackUrl	ANS	100	Callback URL	http://www.merchant.com/callbackUrl
bankCd	A	4	Bank Code	BMRI
bankVacctNo	N	20	VA Number	1047210789
currency	A	3	Currency	IDR
goodsNm	AN	100	Goods Name	Test Transaction {{nic}}
billingNm	A	30	Buyer Name	Thomas Alfa Edison
vacctValidDt	N	8	VA Expired Date (YYYYMMDD)	20180308
vacctValidTm	N	6	VA Expired Time (HH24MISS)	235959

Updated 08 Oct 2024

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