Payment Instruction

Fund Transfer

Used to transfer bookings from accounts already registered in ESPay or from the balance deposits of partners in ESPay to the desired account number

API URL

Development : https://sandbox-api.espay.id/b2b/transfer/fund

Production : https://api.espay.id/b2b/transfer/fund

The format of the submitted message must be in the form of an encoded URL. Description for each field in the HTTP POST message:

Fund Transfer Request Data:

Name Field	Attribute	Mandatory	Description
rq_uuid	ANS 255	Yes	Request Identifier. Unique ID to identify the request message with other messages. Format : Client ID + Unique ID Ex : CLIENTID123abc-def456
rq_datetime	ANS 19	Yes	The date and time in the client application server when the massage is sent. Format : YYYY-MM-DD HH:MM:SS Ex : 2014-12-17 12:30:45
sender_id	AN 32	Yes	The unique identity of Client applications listed on the ESPay system
signature	AN 255	Yes	Signature ( view Signature Validation )
transfer_type	N 1	Yes	Transfer Type : 0: Online transmission 1: SKN 2: RTGS 5: Deposit Merchant (If not specified, Espay will determine this as an online transfer.)
source_bank_code	AN 32	Optional	Deposit : Mandatory Code provided by ESPay. Direct : Source Bank Code, if not filled ESPay system execute to default account
source_account_number	AN 32	Optional	Deposit : Mandatory Code provided by ESPay. Direct : Source Account Number, if not filled ESPay system execute to default account
beneficiary_bank_code	AN 5	Yes	Destination Bank Code
beneficiary_bank_name	AN 255	No	Destination Bank Name
swift_code	AN 10	Yes	Recipient bank swift code. (Mandatory for SKN and RTGS type transfers)
beneficiary_account_number	AN 32	Yes	Destination account number
beneficiary_account_name	AN 32	Yes	Recipient's name
beneficiary_phone_number	ANS 16	No	Recipient's phone number (Mandatory for transfer type SKN and RTGS Source Bank Permata
beneficiary_email	ANS 64	No	Recipient's email address (Mandatory for SKN and RTGS type transfers)
beneficiary_address1	AN 64	No	Recipient's residential address (Mandatory for SKN and RTGS type transfers)
beneficiary_address2	AN 32	No	Recipient's residential address (Mandatory for SKN and RTGS type transfers)
beneficiary_district	AN 32	No	Recipient's living area (Mandatory for transfer type SKN and RTGS Source Bank Permata)
beneficiary_category	N 1	No	Recipient category : 0 : Individual 1 : Company 2 : Government (Mandatory for transfer type SKN and RTGS)
beneficiary_citizenship	N 1	No	Recipient's nationality : 0 : Resident 1 : Non Resident (Mandatory for transfer type SKN and RTGS)
beneficiary_nationality	N 1	No	Recipient's nationality : 0 : WNI 1 : WNA (Mandatory for transfer type SKN and RTGS Source Bank Permata)
amount	NUM 15,2	Yes	Transaction amount Format: 1000000.00
transaction_id	AN 32	Yes	Transaction ID Client. It is required to be different for each transaction
transfer_reff	AN 32	No	Reference Number from service Inquiry Name (if any)
description	AN 255	Yes	Transaction description
description_detail	AN 255	No	Transaction Description (added)
email	AN 255	No	Destination Email Address
address1	AN 255	No	Destination Address1
address2	AN 255	No	Destination Address2
beneficiary_account_type	AN 32	Optional	Deposit : Mandatory beneficiary_account_type code form reponse Inquiry Name service
category_purpose	N 1	Optional	Deposit : Mandatory 0: Investment, 1: Transfer of Wealth, 2: Purchase, 3: Others (for various purposes)

After making a request with the example above, the client will get a response with details and examples as follows :

Fund Transfer Response Data:

Name Field	Attribute	Mandatory	Description
rq_uuid	ANS 255	Yes	Request Identifier. Unique ID to identify the request message with other message (obtained from request). Format : Client ID + Unique ID Ex : CLIENTID123abc-def456
rs_datetime	ANS 19	Yes	The date and time in the client application server when the message is sent. Format : YYYY-MM-DD HH:MM:SS Ex : 2014-12-17 12:30:45
error_code	ANS 4	Yes	Error code
error_message	ANS 255	Yes	Error description
source_bank_code	AN 32	Yes	Source Bank Code, if not filled ESPay system will execute to default account
source_account_number	AN 32	Yes	Source account number, if not filled ESPay system will execute to default account
beneficiary_bank_code	AN 5	Yes	Destination Bank Code
beneficiary_account_number	AN 32	Yes	Destination account number
transaction_id	AN 32	Yes	Transaction code Client
reference_id	AN 32	Yes	Reference Code ESPay System
reference_bank	AN 32	Conditional	Deposit : Mandatory Reference Code bank
trace_no_bank	AN 32	Conditional	Reference Code from bank to check status transaction

Sample Request:

POST /b2b/transfer/fund HTTP/1.1 Host: sandbox-api.espay.id Connection: keep-alive Content-Length: 293 Authorization: Basic Um9tZW86SnVsaWV0 Content-Type: application/x-www-form-urlencoded Accept: */* rq_uuid=CLIENTIDUUID171214003 &rq_datetime=2017-12-14 15:34:00 &signature=547b56a2a2ff08dab4d3baa73beff19a9c93f615ca912579d2bc64beba67b633 &sender_id=CLIENTID &beneficiary_bank_code=002 &beneficiary_account_number=720801001600505 &amount=1000000.00 &description=Pembayaran Transaksi TRX171214001 &transaction_id=TRX171214001

Sample Response:

{ "rq_uuid":"CLIENTIDUUID171214003", "rs_datetime":"2017-12-14 15:30:02", "error_code":"0000", "error_message":"Success", "beneficiary_bank_code":"002", "beneficiary_account_number":"720801001600505", "transaction_id":"TRX171214001", "reference_id":"B9AO10293U381011", "reference_bank":"799102077483101" }