Market specifications

Take a look of all the payment methods available.

Country reference Cards supported APM supported

Cards

Find all the information about the card supported capabilities.

Capabilities Process Card Payments

Alternative Payments

Learn how to integrate cash, bank transfer or wallet payment.

Virtual Accounts Cash OVO (Redirect) OVO Dana LinkAja ShopeePay QRIS Flip Recurring Payments

Market specifications

Do you want to know more information about Indonesia's market? Go to the Indonesia’s economy and eCommerce market article.

Country reference

`country` code	`currency` code	`amount` decimals	`document` name	`document` format	`document` required?
`ID`	`IDR`	2	NIK	16 digits	Yes

Cards supported

`payment_method_id`	Brand ID	Name	`payment_method_type`	Details	Allowed Flows
`CARD`	`VI`	Visa	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`VD`	Visa Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`MC`	Mastercard	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`MD`	Mastercard Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`JC`	JCB	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`AE`	American Express	`CARD`	Credit Card	`DIRECT` `REDIRECT`

Alternative Payment Method supported

`payment_method_id`	Name	`payment_method_type`	Details	Allowed Flows
`VS`	Virtual Accounts	`WALLET`	Wallet	`DIRECT` `REDIRECT`
`RO`	Cash	`TICKET`	Cash Payments	`REDIRECT`
`XW`	OVO (Redirect)	`WALLET`	Wallet	`REDIRECT`
`OV`	OVO	`WALLET`	Wallet	`DIRECT`
`DN`	Dana	`WALLET`	Wallet	`DIRECT` `REDIRECT`
`LK`	LinkAja	`WALLET`	Wallet	`REDIRECT`
`SO`	ShopeePay	`WALLET`	Wallet	`REDIRECT`
`QR`	QRIS	`WALLET`	Wallet	`DIRECT` `REDIRECT`
`IO`	Flip	`BANK_TRANSFER`	Bank Transfer	`REDIRECT`
`XU`	Recurring Payments	`WALLET`	Wallet	`REDIRECT`

Cards

Capabilities

	Visa Credit	Visa Debit	Mastercard Credit	Mastercard Debit	JBC	American Express
Minimum amount	11000 IDR	11000 IDR	11000 IDR	11000 IDR	11000 IDR	11000 IDR
Refunds	Yes	Yes	Yes	Yes	Yes	Yes
Recurring	Yes	Yes	Yes	Yes	Yes	Yes
Chargeback option	Yes	Yes	Yes	Yes	Yes	Yes
Chargeback Dispute option	Yes	Yes	Yes	Yes	Yes	Yes
Descriptor	Can be personalized, depending on provider.	Can be personalized, depending on provider.	Can be personalized, depending on provider.	Can be personalized, depending on provider.	Can be personalized, depending on provider.	Can be personalized, depending on provider.

How to process Card Payments?

Learn how to process payments with credit and debit cards with dLocal in our Card Payments section.

Alternative Payment Method

Wallets are the most popular form of fintech service in Indonesia. They allow the user to pay for almost anything: bill payments, barcode scan transactions for offline payments, and online purchases.

Virtual Accounts

A Virtual Account is a digital payment method through an account that is created virtually for each customer. To make payments, customers will be referred to their Virtual Accounts.

A Virtual Account consists of a unique customer ID number. It requires the customer to transfer funds to a virtual bank account via a banking mobile application, internet banking, or physically via ATM.

Capabilities

	Virtual Accounts
Min. amount	11000 IDR
Max. expiration time supported	30 days (Can be extended by provider)
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT` `REDIRECT`

UX Flow

Payers select their bank, and payment instructions will be displayed.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	.Amount to be charged.	Yes
`currency`	String	`IDR` Transaction currency in ISO 4217.	Yes
`country`	String	`ID` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`VS` ID of the selected payment method.	Yes
`payment_method_flow`	String	`DIRECT` or `REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 15000,
    "currency": "IDR",
    "country": "ID",
    "payment_method_id": "VS",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "1234567890123456",
        "address": {
            "country": "ID",
            "state": "Jakarta",
            "city": "Jakarta",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "34545sdk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.comm/success_page"
}

{
    "id": "D-4-89fb9d50-f025-dg43-b4d2-047114b2bac2",
    "amount": 15000,
    "currency": "IDR",
    "payment_method_id": "VS",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "DIRECT",
    "country": "ID",
    "bank_transfer": {},
    "ticket": {},
    "created_date": "2023-01-27T18:30:24.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545hgdsdk3483kqw0",
    "notification_url": "http://merchant.com/notification/new"
}

Cash

Reach the unbanked by enabling your customers to complete cash payments. With dLocal’s solution, you can show your customers a payment code for them to complete the payment in any of the supported payment points.

Capabilities

	Cash
Min. amount	11000 IDR
Max. expiration time supported	48 hours
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT` `REDIRECT`

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`IDR` Transaction currency in ISO 4217.	Yes
`country`	String	`ID` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`RO` ID of the selected payment method.	Yes
`payment_method_flow`	String	`DIRECT` or `REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

UX Flow

Examples

{
    "amount": 15000,
    "currency": "IDR",
    "country": "ID",
    "payment_method_id": "RO",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "1234567890123456",
        "address": {
            "country": "ID",
            "state": "Jakarta",
            "city": "Jakarta",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "D-4-59104f48-fd43-432b-80a7-795d01ae295c",
    "amount": 15000,
    "currency": "IDR",
    "payment_method_id": "RO",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "DIRECT",
    "country": "ID",
    "bank_transfer": {},
    "ticket": {},
    "created_date": "2023-01-27T18:23:38.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sdk3483kqw0",
    "notification_url": "http://merchant.com/notification/new"
}

OVO (Redirect)

The most popular form of fintech service in Indonesia.

They allow the user to pay for almost anything: bill payments, barcode scan transactions for offline payments, and online purchases. If a merchant is unable to collect the payer's data, dLocal can do it with the OVO Redirect option.

Capabilities

	OVO (Redirect)
Min. amount	11000 IDR
Max. expiration time supported	55 seconds
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic OVO redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`IDR` Transaction currency in ISO 4217.	Yes
`country`	String	`ID` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`XW` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 15000,
    "currency": "IDR",
    "country": "ID",
    "payment_method_id": "XW",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "1234567890123456",
        "address": {
            "country": "ID",
            "state": "Jakarta",
            "city": "Jakarta",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "34545hgdsdk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-1203e06f-b9e6-47fb-h6yt-76d657c95ba2",
    "amount": 15000,
    "currency": "IDR",
    "payment_method_id": "XW",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "ID",
    "created_date": "2023-01-27T18:32:42.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545hgdsdk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-202e8b95-6964-4de6-a431-0b64b3bf0b66"
}

OVO

The most popular form of fintech service in Indonesia.

They allow the user to pay for almost anything: bill payments, barcode scan transactions for offline payments, and online purchases. Using the Direct option allows merchants to collect payer's data on their checkout and send them in the payment request to dLocal.

It supports both one-time and tokenized recurring payments.

Capabilities

	OVO
Min. amount	11000 IDR
Max. expiration time supported	55 seconds
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT`

UX Flow

The screenshots illustrate a generic OVO direct flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`IDR` Transaction currency in ISO 4217.	Yes
`country`	String	`ID` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`OV` ID of the selected payment method.	Yes
`payment_method_flow`	String	`DIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`payer.phone`	Number	User's phone number.	Yes
`wallet.name`	String	Name of the payer's wallet	No
`wallet.save`	Boolean	Determines if you want to receive a wallet token for future payments or not.	No
`wallet.capture`	Boolean	Determines if you want to capture the payment funds or not.	No
`wallet.username`	String	Username of the payer's wallet account.	Yes
`wallet.email`	String	Email of the payer's wallet account.	Yes
`wallet.token`	String	Token of a previous payment from the same wallet,	For recurring payments, yes.
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 15000,
    "currency": "IDR",
    "country": "ID",
    "payment_method_id": "OV",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "phone": "+628432003239",
        "address": {
             "country": "ID",
            "state": "Jakarta",
            "city": "Jakarta",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        },
        "document": 1234567890123456
    },
    "wallet": {
        "name": "Jane Doe",
        "save": true,
        "capture": true,
        "verify": false,
        "username": "Jane123",
        "email": "[email protected]",
        "expiration": 60,
        "label": "label",
        "state": "state",
        "token": ""
    },
    "order_id": "34545hgdsdk3483kqw0"
}

{
    "id": "D-4-db437e3c-8ead-gf45-bec4-aaed792ed96a",
    "amount": 15000,
    "currency": "IDR",
    "payment_method_id": "OV",
    "payment_method_type": "TICKET",
    "payment_method_flow": "DIRECT",
    "country": "ID",
    "bank_transfer": {},
    "ticket": {},
    "created_date": "2023-01-27T20:19:20.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545hgdsdk3483kqw0"
}

Dana

Dana is a digital wallet that provides cashless and cardless payments. It brings a faster, easier, and more secure way of paying for all online and offline transactions.

DANA is Indonesia's one-stop solution for Indonesian daily activities; from transferring money, and purchasing in DANA merchants, to topping up mobile credit and paying your bills.

It supports both one-time and tokenized recurring payments.

Capabilities

	Dana
Min. amount	11000 IDR
Max. expiration time supported	30 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT` `REDIRECT`

UX Flow

The screenshots illustrate a generic Dana redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`IDR` Transaction currency in ISO 4217.	Yes
`country`	String	`ID` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`DN` ID of the selected payment method.	Yes
`payment_method_flow`	String	`DIRECT` or `REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 15000,
    "currency": "IDR",
    "country": "ID",
    "payment_method_id": "DN",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "1234567890123456",
        "address": {
            "country": "ID",
            "state": "Jakarta",
            "city": "Jakarta",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "34545hgdsdk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "D-4-58463cf7-7de6-dsf2-be7f-eedf8ced2141",
    "amount": 15000,
    "currency": "IDR",
    "payment_method_id": "DN",
    "payment_method_type": "TICKET",
    "payment_method_flow": "DIRECT",
    "country": "ID",
    "bank_transfer": {},
    "ticket": {},
    "created_date": "2023-01-27T18:50:03.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545hgdsdk3483kqw0",
    "notification_url": "http://merchant.com/notification/new"
}

LinkAja

LinkAja is an integrated e-wallet service.

It allows users to top up credit, buy packages, pay online, pay merchants, pay bills, buy game vouchers, donate, send money, and many more from the smartphone.

Capabilities

	LinkAja
Min. amount	11000 IDR
Max. expiration time supported	30 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic LinkAja redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`IDR` Transaction currency in ISO 4217.	Yes
`country`	String	`ID` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`LK` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

"{
    "amount": 15000,
    "currency": "IDR",
    "country": "ID",
    "payment_method_id": "LK",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "1234567890123456",
        "address": {
            "country": "ID",
            "state": "Jakarta",
            "city": "Jakarta",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "34545hgdsdk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}"

{
    "id": "R-4-0c601b8a-fr43-4765-920e-300daf285388",
    "amount": 15000,
    "currency": "IDR",
    "payment_method_id": "LK",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "ID",
    "created_date": "2023-01-27T18:58:45.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545hgdsdk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-353e669b-70b1-4223-a8eb-962c1fcd0511"
}

ShopeePay

ShopeePay is Shopee’s digital wallet where users can make safe and cashless payments.

Through dLocal it can be used for any online transactions within Shopee - such as buying mobile load and bills payment.

It supports both one-time and tokenized recurring payments.

Capabilities

	ShopeePay
Min. amount	11000 IDR
Max. expiration time supported	30 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic ShopeePay redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`IDR` Transaction currency in ISO 4217.	Yes
`country`	String	`ID` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`SO` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 39900,
    "currency": "IDR",
    "country": "ID",
    "payment_method_id": "SO",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Test dLocal",
        "email": "[email protected]",
        "phone": "81331452156",
        "document": "1234567890123456",
        "address": {
            "country": "ID",
            "state": "Jakarta",
            "city": "Jakarta",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "34545hgdsdk3483kqw0",
    "description": "Tshirt",
     "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-55078-23e5449a-8i76-4b5e-b4f3-c19aedd33180",
    "amount": 39900,
    "currency": "IDR",
    "payment_method_id": "SO",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "ID",
    "created_date": "2023-02-16T20:09:53.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545hgdsdk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-1a8d233e-87y6-4938-b043-ae7d0e3b3975"
}

QRIS

Customers can pay by scanning the QR code using any payment method. Quick Response Indonesian Standard is a standardized QR code regulated by Bank Indonesia (BI) to facilitate cashless payment in Indonesia.

Capabilities

	QRIS
Min. amount	11000 IDR
Max. expiration time supported	2 days
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT` `REDIRECT`

UX Flow

The screenshots illustrate a generic Internet banking redirect flow. The specifics of the flow can change depending on the payment method selected to complete the transaction. — The screenshots illustrate a generic QRIS redirect flow. The specifics of the flow can change depending on the payment method selected to complete the transaction.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`IDR` Transaction currency in ISO 4217.	Yes
`country`	String	`ID` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`QR` ID of the selected payment method.	Yes
`payment_method_flow`	String	`DIRECT` or `REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 15000,
    "currency": "IDR",
    "country": "ID",
    "payment_method_id": "QR",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "1234567890123456",
        "address": {
            "country": "ID",
            "state": "Jakarta",
            "city": "Jakarta",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "34545hgdsdk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "D-4-528db4f4-gg55-478b-9d85-44bb32495523",
    "amount": 15000,
    "currency": "IDR",
    "payment_method_id": "QR",
    "payment_method_type": "TICKET",
    "payment_method_flow": "DIRECT",
    "country": "ID",
    "bank_transfer": {},
    "ticket": {},
    "created_date": "2023-01-27T19:12:50.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545hgdsdk3483kqw0",
    "notification_url": "http://merchant.com/notification/new"
}

Flip

A leading interbank money transfer fintech company in Indonesia.

With Flip, the platform opens bank accounts in most of the largest Indonesian banks and receives money from end-users who have accounts with these banks.

Capabilities

	Flip
Min. amount	11000 IDR
Max. expiration time supported	3 days
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic Flip redirect flow.  The specifics of the flow can change depending on the payment method selected to complete the transaction.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`IDR` Transaction currency in ISO 4217.	Yes
`country`	String	`ID` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`IO` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 15000,
    "currency": "IDR",
    "country": "ID",
    "payment_method_id": "IO",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "1234567890123456",
        "address": {
            "country": "ID",
            "state": "Jakarta",
            "city": "Jakarta",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "34545hgdsdk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-382eddf7-21da-rfe3-b07b-d99637d16930",
    "amount": 15000,
    "currency": "IDR",
    "payment_method_id": "IO",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "ID",
    "created_date": "2023-01-27T19:26:33.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "1134545hgdsdk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-d793dd29-1a7b-4re3-b955-e67adbbae840"
}

Recurring Payments

Recurring Payments allow Indonesian customers to pay for subscriptions and choose their preferred payment method: Dana or BRI.

Dana is a digital wallet that takes cashless and cardless spending to the next level. It brings a faster, easier, and more secure way of paying for all online and offline transactions. With Dana subscription, an automatic payment system for subscription products, after purchasing, the next month's payment will be deducted directly from the customer's DANA Balance.

BRI Direct Debit is an e-Commerce payment feature that connects e-Commerce accounts with BRI debit cards as a Source of Funds (SoF) so that the transaction payment process takes place quickly with a single registration process. By using the Direct Debit feature, digital business customers only need to register their debit card once, then for the next transaction the customer only needs to enter the one-time password (OTP) code received.

Capabilities

	Recurring Payments
Min. amount	11000 IDR
Max. expiration time supported	30 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`
Supported wallets	Dana (Recurring), BRI (Direct Debit Recurring).

UX Flow

The screenshots illustrate a generic Recurring payment redirect flow using Dana wallet. The specifics of the flow can change depending on the payment method selected to complete the transaction. — The screenshots illustrate a generic Recurring Payment redirect flow using Dana wallet. The specifics of the flow can change depending on the payment method selected to complete the transaction.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`IDR` Transaction currency in ISO 4217.	Yes
`country`	String	`ID` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`XU` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`payer.phone`	Number	User's phone number.	Yes
`wallet.name`	String	Name of the payer's wallet.	No
`wallet.save`	Boolean	Determines if you want to receive a wallet token for future payments or not.	No
`wallet.capture`	Boolean	Determines if you want to capture the payment funds or not.	No
`wallet.username`	String	Username of the payer's wallet account.	Yes
`wallet.email`	String	Email of the payer's wallet account.	Yes
`wallet.token`	String	Token of a previous payment from the same wallet.	For recurring payments, yes.
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 10000,
    "currency": "IDR",
    "country": "ID",
    "payment_method_id": "XU",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "phone": "+628050976593",
        "document": "1234567890123456",
        "address": {
            "country": "ID",
            "state": "Jakarta",
            "city": "Jakarta",
            "zip_code": "88058",
            "street": "Main St.",
            "number": "5940"
        }
    },
    "wallet": {
        "name": "Jane Doe",
        "save": true,
        "capture": true,
        "username": "Jane2002",
        "email": "[email protected]",
        "token": ""
    },
    "order_id": "Rully Test",
    "description": "Rully Test",
    "callback_url": "http://merchantsite.com/notification/new",
    "notification_url": "http://merchantsite.com/success_page"
}

{
    "id": "F-4-011d13f9-829d-4re3-8b2b-3b20c39d942f",
    "amount": 15000,
    "currency": "IDR",
    "payment_method_id": "XU",
    "payment_method_type": "WALLET",
    "payment_method_flow": "REDIRECT",
    "country": "ID",
    "created_date": "2023-02-15T21:45:29.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/success_page",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-continue/M-c6f3f62c-fgt5-4be8-9108-794f9235abdf"
}