Introduction

Welcome to the Artha Remit API V1. Our API services are accepts json-encoded POST request bodies and returns JSON-encoded responses.

Request And Response

API can be requested through HTTPS Request to Artha Remit API Base URL endpoint. The HTTPS Header has to be used to allow proper authentication, additionally HTTPS Request should only be made from IP Address which has been registered in Artha Remit.

Endpoint Url

Production : https://api.artharemit.co.id

Sanbox : Coomingsoon

Request Common Parameters

Parameter	Type	Description
mchNo	string	provide by us.
appId	string	provide by us.
reqTime	int	request time in minute.
signType	string	Use MD5 or RSA2
version	string	Use 1.0 only
sign	string	authenticate a partner request, see how to compute sign here

Sign

To sign, use this code:

function getSign($params, $appSecret) {
    $arrayToSort = [];
    foreach($params as $key => $value) {
        if ($key == 'sign') {
            continue;
        }
        if ($value == null || $value == '') {
            continue;
        }
        $arrayToSort[] = "$key=$value&";
    }
    sort($arrayToSort);
    return md5(implode('', $arrayToSort) . 'key=' . $appSecret);
}

public class SignKit {
    private static String encodingCharset = "UTF-8";
    public static String getSign(Map<String,Object> map, String appSecret){
        ArrayList<String> list = new ArrayList<String>();
        for(Map.Entry<String,Object> entry:map.entrySet()){
            if(null != entry.getValue() && !"".equals(entry.getValue())){
                list.add(entry.getKey() + "=" + entry.getValue() + "&");
            }
        }
        int size = list.size();
        String [] arrayToSort = list.toArray(new String[size]);
        Arrays.sort(arrayToSort, String.CASE_INSENSITIVE_ORDER);
        StringBuilder sb = new StringBuilder();
        for(int i = 0; i < size; i ++) {
            sb.append(arrayToSort[i]);
        }
        String result = sb.toString();
        result += "key=" + appSecret;
        result = md5(result, encodingCharset).toUpperCase();
        return result;
    }

    public static String md5(String value, String charset) {
        MessageDigest md = null;
        try {
            byte[] data = value.getBytes(charset);
            md = MessageDigest.getInstance("MD5");
            byte[] digestData = md.digest(data);
            return toHex(digestData);
        } catch (NoSuchAlgorithmException e) {
            e.printStackTrace();
            return null;
        } catch (UnsupportedEncodingException e) {
            e.printStackTrace();
            return null;
        }
    }
}

sort the all key of parameters and generate string array to use template "{key}={value}", then get variable string source by combining string array into a string with separator "&" and splice "&key={appSecret}", finally get sign use md5(source). eg:

{
    "name": "xxx",
    "gender": 1,
    "address": "bbb"
}

appSecret=df8xnjfsd0dsf

source is "address=bbb&gender=1&name=xxx&key=df8xnjfsd0dsf"

sign = md5(source)

The appSecret provide by us.

Response error

when happend error, response has properties code and msg

{
  "code": 100,
  "msg": "Parameter value error[reqTime error]"
}

Parameter	Type	Description
code	int	error code, when error, it is not zero. see error code detail
msg	string	error message.

Response success

when happend success, response has properties code, msg, data and sign

{
  "code": 0,
  "data": {
  },
  "msg": "SUCCESS",
  "sign": "8402789DFFF08AEF95A4187FAFB02A9E"
}

Parameter	Type	Description
code	int	0, fixed
msg	string	"SUCCESS" fixed.
sign	string	sign for data.
data	object	the result data

Virtual Account

Use this API to create new VA number

path="/api/pay/virtual_account"

to create new VA number, use this code

<?php
$mchNo = 'mch000000001';
$appId = 'app0000000001';
$appSecret = 'fd8sjx9saoka';

$signType = 'MD5';
$version = '1.0';

$phone = "0811223344";
$userName = "jony"
$amount = 10000;
$mchOrderNo = "TX00001210200";
$subject = "shopping";
$wayCode = "BNI";
$displayName = "app name";
$expiredTime = 60; // 60 minutes
$notifyUrl = "https://yourcallback.com/notify";

$req_data = [
    'mchNo' => $mchNo,
    'appId' => $appId,
    'signType' => $signType,
    'version' => $version,
    'phone' => $phone,
    'userName' => $userName,
    'amount' => $amount,
    'mchOrderNo' => $mchOrderNo,
    'subject' => $subject,
    'wayCode' => $wayCode,
    'displayName' => $displayName,
    'expiredTime' => $expiredTime,
    'notifyUrl ' => $notifyUrl,
];
$req_data['sign'] = getSign($req_data, $appSecret);

$data_payload = json_encode($req_data);

$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => 'https://api.artharemit.co.id/api/pay/virtual_account',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS => $data_payload,
));

$response = curl_exec($curl);

curl_close($curl);
echo $response;

public class Example {
    public static void sendRequest() throws Exception {
        String mchNo = "mch000000001";
        String appId = "app0000000001";
        String appSecret = "fd8sjx9saoka";
        String signType = "MD5";
        String version = "1.0";
        String phone = "0811223344";
        String userName = "jony";
        int amount = 10000;
        String mchOrderNo = "TX00001210200";
        String subject = "shopping";
        String wayCode = "BNI";
        String displayName = "app name";
        int expiredTime = 60;
        String notifyUrl = "https://yourcallback.com/notify";

        Map<String, Object> reqData = new TreeMap<>();
        reqData.put("mchNo", mchNo);
        reqData.put("appId", appId);
        reqData.put("signType", signType);
        reqData.put("version", version);
        reqData.put("phone", phone);
        reqData.put("userName", userName);
        reqData.put("amount", amount);
        reqData.put("mchOrderNo", mchOrderNo);
        reqData.put("subject", subject);
        reqData.put("wayCode", wayCode);
        reqData.put("displayName", displayName);
        reqData.put("expiredTime", expiredTime);
        reqData.put("notifyUrl ", notifyUrl);
        reqData.put("sign", SignKit.getSign(reqData, appSecret));

        String dataPayload = new Gson().toJson(reqData);

        URL url = new URL("https://api.artharemit.co.id/api/pay/virtual_account");
        HttpURLConnection conn = (HttpURLConnection) url.openConnection();
        conn.setRequestMethod("POST");
        conn.setRequestProperty("Content-Type", "application/json");
        conn.setDoOutput(true);

        conn.getOutputStream().write(dataPayload.getBytes());

        String response = new String(conn.getInputStream().readAllBytes());

        System.out.println(response);

        conn.disconnect();
    }
}

Request

Parameter	Required	Type	Description
userName	true	string	user's name
phone	true	string	Customer mobile number, prefix 08 e.g (0811223344)
amount	true	long	Amount your user must paid to complete the transaction
mchOrderNo	true	string	merchant trx id must be unique
subject	true	string	product description
wayCode	true	string	code product, see wayCode here
displayName	true	string	Customizable VA display name that will be seen by user
expiredTime	true	int	Transaction expiration time in minutes, e.g If Transaction want to be expired after 5 minutes, you just have to set expired_on to 5.
notifyUrl	true	string	url that will receive payment success/fail notification. see callback
commonParameter	-	-	see Request Common Parameters

Response

Parameter	Required	Type	Description
data.accountNumber	true	string	Generated VA number
data.mchFeeAmount	true	long	the fee we provide
data.mchOrderNo	true	string	trx id from merchant
data.payOrderId	true	string	id transaction from us
data.state	true	int	VA state, see state detail

Payment Code Virtual Account

VA wayCode
BRI
BNI
BCA
PERMATA
DANAMON
CIMB
MANDIRI

Disburstment

Use this API to start disbursing money to a specific beneficiary account.

path="/api/transfer/bank_card"

to disburstment, use this code

<?php
$mchNo = 'mch000000001';
$appId = 'app0000000001';
$appSecret = 'fd8sjx9saoka';

$signType = 'MD5';
$version = '1.0';

$phone = "0811223344";
$accountName = "jony"
$amount = 10000;
$mchOrderNo = "TX00001210200";
$remark = "Refund";
$entryType = "BANK_CARD";
$bankCode = "BCA";
$accountNo = '0000000000001';
$notifyUrl = "https://yourcallback.com/notify";

$req_data = [
    'mchNo' => $mchNo,
    'appId' => $appId,
    'signType' => $signType,
    'version' => $version,
    'phone' => $phone,
    'accountName' => $accountName,
    'amount' => $amount,
    'mchOrderNo' => $mchOrderNo,
    'remark' => $remark,
    'entryType' => $entryType,
    'bankCode' => $bankCode,
    'accountNo' => $accountNo,
    'notifyUrl ' => $notifyUrl,
];
$req_data['sign'] = getSign($req_data, $appSecret);

$data_payload = json_encode($req_data);

$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => 'https://api.artharemit.co.id/api/transfer/bank_card',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS => $data_payload,
));

$response = curl_exec($curl);

curl_close($curl);
echo $response;

public class Example {
    public static void sendRequest() throws Exception {
        String mchNo = "mch000000001";
        String appId = "app0000000001";
        String appSecret = "fd8sjx9saoka";

        String signType = "MD5";
        String version = "1.0";

        String phone = "0811223344";
        String accountName = "jony";
        int amount = 10000;
        String mchOrderNo = "TX00001210200";
        String remark = "Refund";
        String entryType = "BANK_CARD";
        String bankCode = "BCA";
        String accountNo = "0000000000001";
        String notifyUrl = "https://yourcallback.com/notify";

        Map<String, Object> reqData = new HashMap<String, Object>();
        reqData.put("mchNo", mchNo);
        reqData.put("appId", appId);
        reqData.put("signType", signType);
        reqData.put("version", version);
        reqData.put("phone", phone);
        reqData.put("accountName", accountName);
        reqData.put("amount", amount);
        reqData.put("mchOrderNo", mchOrderNo);
        reqData.put("remark", remark);
        reqData.put("entryType", entryType);
        reqData.put("bankCode", bankCode);
        reqData.put("accountNo", accountNo);
        reqData.put("notifyUrl", notifyUrl);
        reqData.put("sign", SignKit.getSign(reqData, appSecret));

        String dataPayload = new Gson().toJson(reqData);

        URL url = new URL("https://api.artharemit.co.id/api/transfer/bank_card");
        HttpURLConnection conn = (HttpURLConnection) url.openConnection();
        conn.setRequestMethod("POST");
        conn.setRequestProperty("Content-Type", "application/json");
        conn.setDoOutput(true);

        conn.getOutputStream().write(dataPayload.getBytes());

        String response = new String(conn.getInputStream().readAllBytes());

        System.out.println(response);

        conn.disconnect();
  }
}

Request

Parameter	Required	Type	Description
accountName	true	string	name of account
phone	true	string	Customer mobile number, prefix 08 e.g (0811223344)
amount	true	long	Amount of disbursement (Number Only), min amount 10000
mchOrderNo	true	string	merchant trx id must be unique
entryType	true	string	only "BANK_CARD"
remark	true	string	remark
bankCode	true	string	Bank Code of the Beneficiary account, see Disbursement Bank Codes
accountNo	true	string	Beneficiary account number, numeric only
notifyUrl	true	string	For notification transaction disburst status success or fail. see callback
commonParameter	-	-	see Request Common Parameters

Response

Parameter	Required	Type	Description
data.amount	true	long	Amount of disbursement
data.mchFeeAmount	true	long	the fee we provide
data.mchOrderNo	true	string	trx id from merchant
data.transferId	true	string	id transaction from us
data.state	true	int	transfer state, see state detail

List Bank Supported (bankShort)

bankShort	Bank Name	Digital Code
BCA	Bank Central Asia	014
MANDIRI	Bank Mandiri	008
BNI	Bank Negara Indonesia	009
PERMATA	Bank Permata	013
BRI	Bank Rakyat Indonesia	002
CIMB_NIAGA	CIMB Niaga Bank	022
DANAMON	Bank Danamon	011
PANIN	Bank Panin	019
BII	Bank Maybank	016
ANGLOMAS	Anglomas International Bank	531
BANGKOK	Bangkok Bank	040
IBK	Bank IBK Indonesia	945
SINARMAS	Sinarmas	153
BRI_AGRO	Bank BRI Agro	494
ANDARA	Bank Andara	466
ANTAR_DAERAH	Bank CCB Indonesia	088
ANZ	Bank ANZ Indonesia	061
ARTHA	Bank Artha Graha International	037
ARTOS	Bank Artos Indonesia	542
BISNIS	Bank Bisnis Internasional	459
BJB	Bank BJB	110
BNP	Bank BNP Paribas	057
BUKOPIN	Bank Bukopin	441
BUMI_ARTA	Bank Bumi Arta	076
CAPITAL	Bank Capital Indonesia	054
BCA_SYR	Bank Central Asia (BCA) Syariah	536
CHINATRUST	Bank Chinatrust Indonesia	069
CIMB_UUS	Bank CIMB Niaga UUS	022
COMMONWEALTH	Bank Commonwealth	950
DBS	Bank DBS Indonesia	046
DINAR_INDONESIA	Bank Dinar Indonesia	526
OKE	Bank OKE	466
DKI	Bank DKI	111
FAMA	Bank Fama International	562
GANESHA	Bank Ganesha	161
HANA	Bank Hana	484
HARDA_INTERNASIONAL	Bank Harda Internasional	567
WOORI_SAUDARA	Bank Woori Saudara	212
ICBC	Bank ICBC Indonesia	164
INA_PERDANA	Bank Ina Perdana	513
INDEX_SELINDO	Bank Index Selindo	555
JASA_JAKARTA	Bank Jasa Jakarta	472
KESEJAHTERAAN_EKONOMI	Bank Kesejahteraan Ekonomi	535
MASPION	Bank Maspion Indonesia	157
MAYAPADA	Bank Mayapada International	097
MAYBANK_SYR	Bank Maybank Syariah Indonesia	947
MAYORA	Bank Mayora	553
MEGA	Bank Mega	426
MESTIKA_DHARMA	Bank Mestika Dharma	151
SHINHAN	Bank Shinhan Indonesia	152
MIZUHO	Bank Mizuho Indonesia	48
MNC_INTERNASIONAL	Bank MNC Internasional	485
MUAMALAT	Bank Muamalat Indonesia	147
MULTI_ARTA_SENTOSA	Bank Multi Arta Sentosa	548
J_TRUST	Bank J Trust Indonesia	095
NATIONALNOBU	Bank Nationalnobu	503
NUSANTARA_PARAHYANGAN	Bank Nusantara Parahyangan	145
OCBC	Bank OCBC NISP	028
BOC	Bank of China (BOC)	069
INDIA	Bank of India Indonesia	146
PANIN_SYR	Bank Panin Syariah	517
QNB	Bank QNB Indonesia	167
RABOBANK	Bank Rabobank International Indonesia	060
RESONA	Bank Resona Perdania	047
ROYAL	Bank Royal Indonesia	501
BTPN_SYR	Bank BTPN Syariah	547
SAHABAT_SAMPOERNA	Bank Sahabat Sampoerna	523
SBI_INDONESIA	Bank SBI Indonesia	498
MANDIRI_TASPEN	Bank Mandiri Taspen	564
MITSUI	Bank Sumitomo Mitsui Indonesia	045
BRI_SYR	Bank Syariah BRI	422
BUKOPIN_SYR	Bank Syariah Bukopin	521
MANDIRI_SYR	Bank Syariah Mandiri	451
MEGA_SYR	Bank Syariah Mega	506
BTN	Bank Tabungan Negara (BTN)	200
UOB	Bank UOB Indonesia	023
VICTORIA_INTERNASIONAL	Bank Victoria Internasional	566
VICTORIA_SYR	Bank Victoria Syariah	405
CCB	Bank CCB Indonesia	036
YUDHA_BHAKTI	Bank Yudha Bhakti	490
ACEH	BPD Aceh	116
BANTEN	BPD Banten	137
BALI	BPD Bali	129
BENGKULU	BPD Bengkulu	133
BPD_DIY	Bank Pembangunan Daerah (BPD DIY)	112
JAMBI	BPD Jambi	115
JAWA_TENGAH	BPD Jawa Tengah	113
JAWA_TIMUR	BPD Jawa Timur	114
KALIMANTAN_BARAT	BPD Kalimantan Barat	123
KALIMANTAN_SELATAN	BPD Kalimantan Selatan	122
KALIMANTAN_TENGAH	BPD Kalimantan Tengah	123
KALIMANTAN_TIMUR	BPD Kalimantan Timur	124
LAMPUNG	BPD Lampung	121
MALUKU	BPD Maluku	131
PAPUA	BPD Papua	132
RIAU_DAN_KEPRI	BPD Riau Dan Kepri	119
SULAWESI	BPD Sulawesi Tengah	134
SULSELBAR	BPD Sulselbar	126
SULUTGO	Bank Sulutgo	127
SUMSEL_DAN_BABEL	BPD Sumsel Dan Babel	120
SUMUT	BPD Sumut	117
CENTRATAMA	Centratama Nasional Bank	559
CITIBANK	Citibank	031
HSBC	Hongkong and Shanghai Bank Corporation (HSBC)	087
JPMORGAN	JP Morgan Chase Bank	032
PRIMA_MASTER	Prima Master Bank	520
STANDARD_CHARTERED	Standard Charted Bank	050
MITRA_NIAGA	Bank Mitra Niaga	491
EKSPOR_INDONESIA	Bank Ekspor Indonesia	003
ARTA_NIAGA_KENCANA	Bank Arta Niaga Kencana	020
BJB_SYR	Bank BJB Syariah	425
BNI_SYR	Bank BNI Syariah	427
BPR_KS	BPR Karyajatnika Sadaya	688
METRO_EXPRESS	Bank Metro Express	152
SINAR_HARAPAN_BALI	Bank Sinar Harapan Bali	564
WINDU	Bank Windu Kentjana Int	162
PUNDI_INDONESIA	Bank Eksekutif Internasional	558
ABN_AMRO	Bank ABN Amro	052
KEBD	Korea Exchange Bank Danamon	059
OCBC_INDONESIA	Bank OCBC - Indonesia	028
JENIUS	Bank Jenius (BTPN)	213
topup_ovo	OVO	ovo
topup_linkaja	LinkAja	linkaja
topup_dana	DANA	dana
topup_gopay	Gopay	gopay
topup_shopeepay	ShopeePay	shopeepay

Bank Account Inquiry

Use this API to get beneficiary account details.

path="/api/other/account_inquiry"

to inquiry, use this code

<?php
$mchNo = 'mch000000001';
$appId = 'app0000000001';
$appSecret = 'fd8sjx9saoka';

$signType = 'MD5';
$version = '1.0';

$mchOrderNo = "TX00001210200";
$accountNo = "900000000000";
$accountName = "jony"
$bankCode = 'MANDIRI';

$req_data = [
    'mchNo' => $mchNo,
    'appId' => $appId,
    'signType' => $signType,
    'version' => $version,
    'mchOrderNo' => $mchOrderNo,
    'accountNo' => $accountNo,
    'bankCode' => $bankCode,
    'accountNo' => $accountNo,
];
$req_data['sign'] = getSign($req_data, $appSecret);

$data_payload = json_encode($req_data);

$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => 'https://api.artharemit.co.id/api/other/account_inquiry',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS => $data_payload,
));

$response = curl_exec($curl);

curl_close($curl);
echo $response;

public class Example {
    public static void sendRequest() throws Exception {
        String mchNo = 'mch000000001';
        String appId = 'app0000000001';
        String appSecret = 'fd8sjx9saoka';
        String signType = 'MD5';
        String version = '1.0';
        String mchOrderNo = "TX00001210200";
        String accountNo = "900000000000";
        String accountName = "jony";
        String bankCode = 'MANDIRI';

        Map<String, Object> reqData = new HashMap<String, Object>();
        reqData.put("mchNo", mchNo);
        reqData.put("appId", appId);
        reqData.put("signType", signType);
        reqData.put("version", version);
        reqData.put("mchOrderNo", mchOrderNo);
        reqData.put("accountNo", accountNo);
        reqData.put("accountName", accountName);
        reqData.put("bankCode", bankCode);

        String sign = SignKit.getSign(reqData, appSecret);
        reqData.put("sign", sign);

        String dataPayload = new Gson().toJson(reqData);

        URL url = new URL("https://api.artharemit.co.id/api/other/account_inquiry");
        HttpURLConnection conn = (HttpURLConnection) url.openConnection();
        conn.setRequestMethod("POST");
        conn.setRequestProperty("Content-Type", "application/json");
        conn.setDoOutput(true);

        conn.getOutputStream().write(dataPayload.getBytes());

        String response = new String(conn.getInputStream().readAllBytes());

        System.out.println(response);

        conn.disconnect();
    }
}

Request

Parameter	Required	Type	Description
mchOrderNo	true	string	merchant trx id must be unique
accountName	true	string	name of account
bankCode	true	string	Bank Code of the Beneficiary account, see Disbursement Bank Codes
accountNo	true	string	Beneficiary account number, numeric only
commonParameter	-	-	see Request Common Parameters

Response

Parameter	Required	Type	Description
data.accountName	true	string	the name you provide
data.targetAccountName	true	string	the name that is inquiry from banking institution
data.similarity	true	double	similarity of the above two names
data.mchFeeAmount	true	long	the fee we provide
data.mchOrderNo	true	string	trx id from merchant
data.transactionId	true	string	id transaction from us

Response Error Code Inquiry

code	Description
900	Inquiry process is complete but the account number is invalid or maybe a virtual account number
901	Bank account have been suspected on doing fraud. You still can do a disbursement to this account
902	Bank account have been confirmed on doing a fraud and therefore is blacklisted. You can’t do a disbursment to this account.
903	The inquiry process is complete and the account is valid, but it is closed/inactive so that it cannot receive money. You cannot do a disbursement to this account.
1002	Submit fail, inquiry fail

Credit Card Link

Use this API to request Credit Card Link for payment.

path="/api/pay/credit_card"

to request Credit Card Link, use this code

<?php
$mchNo = 'mch000000001';
$appId = 'app0000000001';
$appSecret = 'fd8sjx9saoka';

$signType = 'MD5';
$version = '1.0';

$phone = "0811223344";
$userName = "jony"
$amount = 10000;
$mchOrderNo = "TX00001210200";
$subject = "shopping";
$displayName = "app name";
$expiredTime = 60; // 60 minutes
$notifyUrl = "https://yourcallback.com/notify";
$redirectUrl = "https://yourcallback.com/success";

$req_data = [
    'mchNo' => $mchNo,
    'appId' => $appId,
    'signType' => $signType,
    'version' => $version,
    'phone' => $phone,
    'userName' => $userName,
    'amount' => $amount,
    'mchOrderNo' => $mchOrderNo,
    'subject' => $subject,
    'displayName' => $displayName,
    'expiredTime' => $expiredTime,
    'notifyUrl ' => $notifyUrl,
    'redirectUrl' => $redirectUrl,
];
$req_data['sign'] = getSign($req_data, $appSecret);

$data_payload = json_encode($req_data);

$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => 'https://api.artharemit.co.id/api/pay/credit_card',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS => $data_payload,
));

$response = curl_exec($curl);

curl_close($curl);
echo $response;

public class Example {
    public static void sendRequest() throws Exception {
        String mchNo = "mch000000001";
        String appId = "app0000000001";
        String appSecret = "fd8sjx9saoka";

        String signType = "MD5";
        String version = "1.0";

        String phone = "0811223344";
        String userName = "jony";
        int amount = 10000;
        String mchOrderNo = "TX00001210200";
        String subject = "shopping";
        String displayName = "app name";
        int expiredTime = 60; // 60 minutes
        String notifyUrl = "https://yourcallback.com/notify";
        String redirectUrl = "https://yourcallback.com/success";

        Map<String, Object> reqData = new HashMap<String, Object>();
        reqData.put("mchNo", mchNo);
        reqData.put("appId", appId);
        reqData.put("signType", signType);
        reqData.put("version", version);
        reqData.put("phone", phone);
        reqData.put("userName", userName);
        reqData.put("amount", amount);
        reqData.put("mchOrderNo", mchOrderNo);
        reqData.put("subject", subject);
        reqData.put("displayName", displayName);
        reqData.put("expiredTime", expiredTime);
        reqData.put("notifyUrl", notifyUrl);
        reqData.put("redirectUrl", redirectUrl);

        String sign = SignKit.getSign(reqData, appSecret);
        reqData.put("sign", sign);

        String dataPayload = new Gson().toJson(reqData);

        URL url = new URL("https://api.artharemit.co.id/api/pay/credit_card");
        HttpURLConnection conn = (HttpURLConnection) url.openConnection();
        conn.setRequestMethod("POST");
        conn.setRequestProperty("Content-Type", "application/json");
        conn.setDoOutput(true);

        conn.getOutputStream().write(dataPayload.getBytes());

        String response = new String(conn.getInputStream().readAllBytes());

        System.out.println(response);

        conn.disconnect();
    }
}

Request

Parameter	Required	Type	Description
userName	true	string	user's name
phone	true	string	Customer mobile number, prefix 08 e.g (0811223344)
amount	true	long	Amount your user must paid to complete the transaction
mchOrderNo	true	string	merchant trx id must be unique
subject	true	string	product description
displayName	true	string	Customizable display name that will be seen by user
expiredTime	true	int	Transaction expiration time in minutes, e.g If Transaction want to be expired after 5 minutes, you just have to set expired_on to 5.
notifyUrl	true	string	url that will receive payment success/fail notification. see callback
redirectUrl	true	string	Indicates the URL of your environment (to redirect the customers back once payment has been completed in Credit Card Link issuers.)
commonParameter	-	-	see Request Common Parameters

Response

Parameter	Required	Type	Description
data.returnUrl	true	int	Payment link which used for payment
data.mchFeeAmount	true	long	the fee we provide
data.mchOrderNo	true	string	trx id from merchant
data.payOrderId	true	string	id transaction from us
data.state	true	int	transfer state, see state detail

E-Wallet

E-Wallet Aggregator API allows partners / mitra to seamlessly charge and receive payments directly from top e-wallet issuers. With one integration, they are able to get access to all of Artha Remit ID available e-wallets ((OVO, ShopeePay, LinkAja, and DANA) and upcoming e-wallet integrations.

path="/api/pay/e_wallet"

Example Request E-Wallet

<?php

<?php
$mchNo = 'mch000000001';
$appId = 'app0000000001';
$appSecret = 'fd8sjx9saoka';

$signType = 'MD5';
$version = '1.0';

$phone = "0811223344";
$userName = "jony"
$amount = 10000;
$mchOrderNo = "TX00001210200";
$subject = "shopping";
$wayCode = "OVO";
$displayName = "app name";
$expiredTime = 60; // 60 minutes
$notifyUrl = "https://yourcallback.com/notify";
$redirectUrl = "https://yourcallback.com/success";

$req_data = [
    'mchNo' => $mchNo,
    'appId' => $appId,
    'signType' => $signType,
    'version' => $version,
    'phone' => $phone,
    'userName' => $userName,
    'amount' => $amount,
    'mchOrderNo' => $mchOrderNo,
    'subject' => $subject,
    'wayCode' => $wayCode,
    'displayName' => $displayName,
    'expiredTime' => $expiredTime,
    'notifyUrl ' => $notifyUrl,
    'redirectUrl ' => $redirectUrl
];
$req_data['sign'] = getSign($req_data, $appSecret);

$data_payload = json_encode($req_data);

$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => 'https://api.artharemit.co.id/api/pay/e_wallet',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS => $data_payload,
));

$response = curl_exec($curl);

curl_close($curl);
echo $response;

public class Example {
    public static void sendRequest() throws Exception {
        String mchNo = "mch000000001";
        String appId = "app0000000001";
        String appSecret = "fd8sjx9saoka";

        String signType = "MD5";
        String version = "1.0";

        String phone = "0811223344";
        String userName = "jony";
        int amount = 10000;
        String mchOrderNo = "TX00001210200";
        String subject = "shopping";
        String wayCode = "OVO";
        String displayName = "app name";
        int expiredTime = 60; // 60 minutes
        String notifyUrl = "https://yourcallback.com/notify";
        String redirectUrl = "https://yourcallback.com/success";

        Map<String, Object> reqData = new HashMap<String, Object>();
        reqData.put("mchNo", mchNo);
        reqData.put("appId", appId);
        reqData.put("signType", signType);
        reqData.put("version", version);
        reqData.put("phone", phone);
        reqData.put("userName", userName);
        reqData.put("amount", amount);
        reqData.put("mchOrderNo", mchOrderNo);
        reqData.put("subject", subject);
        reqData.put("wayCode", wayCode);
        reqData.put("displayName", displayName);
        reqData.put("expiredTime", expiredTime);
        reqData.put("notifyUrl", notifyUrl);
        reqData.put("redirectUrl", redirectUrl);

        String sign = SignKit.getSign(reqData, appSecret);
        reqData.put("sign", sign);

        String dataPayload = new Gson().toJson(reqData);

        URL url = new URL("https://api.artharemit.co.id/api/pay/e_wallet");
        HttpURLConnection conn = (HttpURLConnection) url.openConnection();
        conn.setRequestMethod("POST");
        conn.setRequestProperty("Content-Type", "application/json");
        conn.setDoOutput(true);

        conn.getOutputStream().write(dataPayload.getBytes());

        String response = new String(conn.getInputStream().readAllBytes());

        System.out.println(response);

        conn.disconnect();
    }
}

Example Response

{
    "code": 0,
    "data": {
        "checkoutUrl": "https://checkout.negapay.com/success",
        "imageUrl": "",`
        "mchFeeAmount": 200,
        "mchOrderNo": "TX00001210200",
        "mobileNumber": "0811223344",
        "payOrderId": "P1632984294158790658",
        "qrCode": "",
        "state": 1,
        "viewName": "jony"
    },
    "msg": "SUCCESS",
    "sign": "8651697B00D66D83898CB5814EAEB39E"
}

Request

Parameter	Required	Type	Description
userName	true	string	user's name
phone	true	string	Customer mobile number, prefix 08 e.g (0811223344)
amount	true	long	Amount your user must paid to complete the transaction
mchOrderNo	true	string	merchant trx id must be unique
subject	true	string	product description
wayCode	true	string	code product, see wayCode here
displayName	true	string	Customizable VA display name that will be seen by user
expiredTime	true	int	Transaction expiration time in minutes, e.g If Transaction want to be expired after 5 minutes, you just have to set expired_on to 5.
notifyUrl	true	string	url that will receive payment success/fail notification. see callback
redirectUrl	true	string	Indicates the URL of your environment (to redirect the customers back once payment has been completed in e-wallet issuers.)
commonParameter	-	-	see Request Common Parameters

Response

Parameter	Required	Type	Description
data.mchFeeAmount	true	long	the fee we provide
data.mchOrderNo	true	string	trx id from merchant
data.payOrderId	true	string	id transaction from us
data.mobileNumber	true	string	number phone enduser
data.checkoutUrl	true	string	Checkout URL passed from the e-wallet issuers to be used for payment purposes(OVO does not return, and the user will be notified directly in the OVO wallet APP)
data.imageUrl	true	string	Url Image QR National Dynamic Data
data.qrCode	true	string	QR National Dynamic Data
data.viewName	true	string	Customizable display name that will be seen by user
data.state	true	int	E-Wallet state, see state detail

Payment Code E-wallet

E-Wallet Providers	E_WALLET_CODE	Minimum (IDR)	Maximum (IDR)
DANA	dana	10.000	10.000.000
OVO	ovo	10.000	10.000.000
SHOPEEPAY	shopeepay	10.000	10.000.000

Dynamic QRIS

This API will be used by partner to request Dynamic QRIS for payment.

path="/api/pay/qris"

Example Request Dynamic QRIS

<?php

<?php
$mchNo = 'mch000000001';
$appId = 'app0000000001';
$appSecret = 'fd8sjx9saoka';

$signType = 'MD5';
$version = '1.0';

$phone = "0811223344";
$userName = "jony"
$amount = 10000;
$mchOrderNo = "TX00001210200";
$subject = "shopping";
$wayCode = "QRIS";
$displayName = "app name";
$expiredTime = 60; // 60 minutes
$notifyUrl = "https://yourcallback.com/notify";
$redirectUrl = "https://yourcallback.com/success";

$req_data = [
    'mchNo' => $mchNo,
    'appId' => $appId,
    'signType' => $signType,
    'version' => $version,
    'phone' => $phone,
    'userName' => $userName,
    'amount' => $amount,
    'mchOrderNo' => $mchOrderNo,
    'subject' => $subject,
    'wayCode' => $wayCode,
    'displayName' => $displayName,
    'expiredTime' => $expiredTime,
    'notifyUrl ' => $notifyUrl,
    'redirectUrl ' => $redirectUrl
];
$req_data['sign'] = getSign($req_data, $appSecret);

$data_payload = json_encode($req_data);

$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => 'https://api.artharemit.co.id/api/pay/e_wallet',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS => $data_payload,
));

$response = curl_exec($curl);

curl_close($curl);
echo $response;

public class Example {
    public static void sendRequest() throws Exception {
        String mchNo = "mch000000001";
        String appId = "app0000000001";
        String appSecret = "fd8sjx9saoka";

        String signType = "MD5";
        String version = "1.0";

        String phone = "0811223344";
        String userName = "jony";
        int amount = 10000;
        String mchOrderNo = "TX00001210200";
        String subject = "shopping";
        String wayCode = "QRIS";
        String displayName = "app name";
        int expiredTime = 60; // 60 minutes
        String notifyUrl = "https://yourcallback.com/notify";
        String redirectUrl = "https://yourcallback.com/success";

        Map<String, Object> reqData = new HashMap<String, Object>();
        reqData.put("mchNo", mchNo);
        reqData.put("appId", appId);
        reqData.put("signType", signType);
        reqData.put("version", version);
        reqData.put("phone", phone);
        reqData.put("userName", userName);
        reqData.put("amount", amount);
        reqData.put("mchOrderNo", mchOrderNo);
        reqData.put("subject", subject);
        reqData.put("wayCode", wayCode);
        reqData.put("displayName", displayName);
        reqData.put("expiredTime", expiredTime);
        reqData.put("notifyUrl", notifyUrl);
        reqData.put("redirectUrl", redirectUrl);

        String sign = SignKit.getSign(reqData, appSecret);
        reqData.put("sign", sign);

        String dataPayload = new Gson().toJson(reqData);

        URL url = new URL("https://api.artharemit.co.id/api/pay/qris");
        HttpURLConnection conn = (HttpURLConnection) url.openConnection();
        conn.setRequestMethod("POST");
        conn.setRequestProperty("Content-Type", "application/json");
        conn.setDoOutput(true);

        conn.getOutputStream().write(dataPayload.getBytes());

        String response = new String(conn.getInputStream().readAllBytes());

        System.out.println(response);

        conn.disconnect();
    }
}

Example Response

{
    "code": 0,
    "data": {
        "imageUrl": "https://negapay.com/image-qris/MDAwMjAxMDEwMjEyMjY2NzAwMTZDT00uTk9CVUJBTksuV1dXMDExO",
        "mchFeeAmount": 200,
        "mchOrderNo": "TX00001210200",
        "mobileNumber": "0811223344",
        "payOrderId": "P1632994407934148609",
        "qrCode": "00020101021226680016COM.NOBUBANK.WWW011993600503000000309000214082200000002450303UBE51440014ID.CO.QRISWWW0215ID20190822000010303UBE520454995303360540450005502015802ID5925GAJAHPAY ID, JAKARTA610515811625301140822000022963305031230617201908221840560010703A0163042904",
        "state": 1,
        "viewName": "jony"
    },
    "msg": "SUCCESS",
    "sign": "25EA605C497808F282D228F11C4D4BDF"
}

Request

Parameter	Required	Type	Description
userName	true	string	user's name
phone	true	string	Customer mobile number, prefix 08 e.g (0811223344)
amount	true	long	Amount your user must paid to complete the transaction
mchOrderNo	true	string	merchant trx id must be unique
subject	true	string	product description
wayCode	true	string	Artha Remit Code product, for qris use qris
displayName	true	string	Customizable VA display name that will be seen by user
expiredTime	true	int	Transaction expiration time in minutes, e.g If Transaction want to be expired after 5 minutes, you just have to set expired_on to 5.
notifyUrl	true	string	url that will receive payment success/fail notification. see callback
redirectUrl	true	string	for qris this feature disable
commonParameter	-	-	see Request Common Parameters

Response

Parameter	Required	Type	Description
data.mchFeeAmount	true	long	the fee we provide
data.mchOrderNo	true	string	trx id from merchant
data.payOrderId	true	string	id transaction from us
data.mobileNumber	true	string	number phone enduser
data.checkoutUrl	true	string	Checkout URL passed from the e-wallet issuers to be used for payment purposes
data.imageUrl	true	string	Url Image QR National Dynamic Data
data.qrCode	true	string	QR National Dynamic Data
data.viewName	true	string	Customizable display name that will be seen by user
data.state	true	int	QRIS state, see state detail

Callback

Once the request is opened, our system will generate a request callback status to open the system to your system and will send it according to the notifyUrl

the callback use json-encoded POST request

Payorder callback

the callback contains Virtual Account, Credit Card Link

Parameter	Required	Type	Description
mchNo	true	string	mchNo
appId	true	string	appId
payOrderId	true	string	id transaction from us
amount	true	long	Amount your user must paid to complete the transaction
mchOrderNo	true	string	merchant trx id must be unique
wayCode	true	string	wayCode
reqTime	true	long	(s)the time of push callback into notify task
createdAt	true	long	(ms) create time of order
state	true	int	payment state, see state detail
sign	true	sign for notify data. see how to compute sign here

Transfer callback

Parameter	Required	Type	Description
mchNo	true	string	mchNo
appId	true	string	appId
transferId	true	string	id transaction from us
amount	true	long	Amount your user must paid to complete the transaction
mchOrderNo	true	string	merchant trx id must be unique
entryType	true	string	entryType
reqTime	true	long	(s)the time of push callback into notify task
createdAt	true	long	(ms)create time of order
successTime	true	long	(ms)transaction success time
state	true	int	payment state, see state detail
sign	true	sign for notify data. see how to compute sign here

Status Transaction

Status	State	Description
0	NON-FINAL	Transaction is pending (Processed / Unpaid)
1	FINAL	Transaction is completed (Success / Paid)
2	FINAL	Transaction is failed
6	FINAL	Transaction is expired

Error Response Code

code	Description
0	SUCCESS
10	System error
11	Parameter error
12	Server error
100	Paramter value error
101	App error
102	Sign error
900	Inquiry process is complete but the account number is invalid or maybe a virtual account number
901	Bank account have been suspected on doing fraud. You still can do a disbursement to this account
902	Bank account have been confirmed on doing a fraud and therefore is blacklisted. You can’t do a disbursment to this account.
903	The inquiry process is complete and the account is valid, but it is closed/inactive so that it cannot receive money. You cannot do a disbursement to this account.
1001	Available balance is insufficient
1002	Submit fail, Explicitly indicate failure
1003	Logic error
others	others error

Introduction

Request And Response

Request Common Parameters

Sign

Response error

Response success

Virtual Account

Request

Response

Payment Code Virtual Account

Disburstment

Request

Response

List Bank Supported (bankShort)

Bank Account Inquiry

Request

Response

Response Error Code Inquiry

Credit Card Link

Request

Response

E-Wallet

Request

Response

Payment Code E-wallet

Dynamic QRIS

Request

Response

Callback

Payorder callback

Transfer callback

Status Transaction

Error Response Code

Change Log