Banks of Indonesia (legacy)

Banks of Indonesia — payment system that uses the banking mechanism for payments and payouts in Indonesia. Payments are processed by using Payment Page, payouts are processed by using Gate.

Note:

A new technical implementation is available for working with the Banks of Indonesia method. It is described in the Banks of Indonesia section.

For the information on how to switch to a new implementation refer to your key account manager.

Purchase by using Payment Page

Processing of payments in this system can be performed only by using the Indonesian rupiah (IDR). The minimal payout amount is 200,000.00 IDR, the maximum amount is 200,000,000.00 IDR. Payment processing is supported by banks, the list of them is provided in the table below.

Table 1. List of supported banks, purchases
Bank name Bank ID
Bank Central Asia 140
Bank Negara Indonesia 141
Bank Rakyat Indonesia 142
Mandiri Bank 143
Using preselected payment method

You can customise the selecting payment method page on Payment Page.

By default, banks that support Banks of Indonesia payment method are grouped in one button on Payment Page, so the selection of a bank is carried out in two steps. First, the Banks of Indonesia method is chosen among others, and then a particular bank is selected on the next page with the list of the group banks. There are several options for displaying the page with the selecting of payment method on Payment Page:

  • To display each bank of the Banks of Indonesia group with a separate buttons, pass split_banks=true in the request for opening in the payment_methods_options string.
    payment_methods_options={"idr_asian_banks": {"split_banks": true}}
    
  • To display a button of a specific bank (one or several) from Banks of Indonesia group on Payment Page in the list of payment methods, pass the bank identifier in the banks_id parameter. If it is necessary to display several banks from a group, pass the identifiers of these banks separated by a comma with a space.
    payment_methods_options={"idr_asian_banks": {"split_banks": true, "banks_id": [140, 141]}}
  • To preselect Banks of Indonesia as the payment method on Payment Page for customers, pass the code idr_asian_banks in the force_payment_method parameter in the request for opening. The list of the banks from Banks of Indonesia group is displayed to a customer on Payment Page bypassing the page with the payment method selection.
  • To immediately redirect a customer to the website of the specific bank from the Banks of Indonesia group, pass the code idr_asian_banks in the force_payment_method parameter and the bank identifier banks_id in the payment_methods_options string. The customer is redirected to the bank website without confirming willingness to pay, bypassing the pages with the payment method selection and the choice of banks on Payment Page.

Figure: Example of the request for redirecting customer to the bank website

EPayWidget.run(
    { payment_id: 'X03936', 
      payment_amount: 20000000, 
      payment_currency: 'IDR', 
      project_id: 0,
      customer_id: 'user123',
      force_payment_method: 'idr_asian_banks',
      payment_methods_options={"idr_asian_banks": {"banks_id": [140]}},
      signature: "kUi2x9dKHAVNU0FYldJrxh4yo+52Kt8KU+Y1Y4HAS...=="
    }
)

Payouts by using Gate

Processing of payouts in this system can be performed only by using the Indonesian rupiah (IDR). The minimal payout amount is 200,000.00 IDR, the maximum amount is 200,000,000.00 IDR. Payout processing is supported by banks, the list of them is provided in the table below.

Table 2. List of supported banks, payouts
Bank name Bank ID
Bank Central Asia 140
Bank Negara Indonesia 141
Bank Mandiri 143
Bank Rakyat Indonesia 142
Request for payout
Note: POST the /v2/payment/asian-banks/payout request.

In the request specify the unique payment ID in your system, as well as the ID of the bank in which the payment is made.

After Gate finishes processing your request you receive a callback with the result of payment request.

Figure: Example of request for payout

 {
            "general": {
                "project_id": 0,
                "payment_id": "Payout12",
                "signature": "8+oTRZBlWqIEXZxI+8QhvhPBquE/bFSgv7BpTJMl6gmZnEH...=="
            },
            "customer": {
                "id": "Customer_45",
                "ip_address": "1.2.3.4"
            },
            "payment": {
                "amount": 250000,
                "currency": "IDR",
                "customer_name": "Hemachan",
                "account": "642245678952",
                "bank_id": 140,
                "description": "Test payout"
            },
            "return_url": "test_site.com"
        }