Documentation

Introduction

API Updated: April 3rd, 2023

New API: Internal Account Inquiry

Overview of BCA Sandbox APIs:

Request

Method	Endpoint	Usage
POST	/api/oauth/token	Get Access Token for Oauth2.0
GET	/banking/v3/corporates/{CorporateID} /accounts/{AccountNumber1},{AccountNumber2},…,{AccountNumber20}	Get your account(s) balance
GET	/banking/v3/corporates/{CorporateID} /accounts/{AccountNumber}/statements	Get your account statement
POST	/banking/corporates/transfers	Fund Transfer to another BCA account
POST	/banking/corporates/transfers/v2/domestic	Fund Transfer to domestic Bank account
GET	/banking/offline/corporates/accounts/{AccountNumber}/filestatements	Account Statement Offline
GET	/banking/corporates/transfers/status/{TransactionNumber}	Inquiry Transfer Status
GET	/banking/corporates/transfers/v2/domestic/beneficiaries/banks/ (beneficiary_bank_code)/accounts/(beneficiary_account_number)	Inquiry Domestic Account
GET	/general/rate/forex	Foreign Exchange Rate Information
GET	/general/info-bca/branch	BCA Branch Location
POST	/fire/accounts/balance	Get balance information
POST	/fire/accounts	Get beneficiary account’s information
POST	/fire/transactions	Get status of a transaction
POST	/fire/transactions/to-account	Transfer funds directly to beneficiary account
POST	/fire/transactions/cash-transfer	Transfer funds to beneficiary to be taken personally
PUT	/fire/transactions/cash-transfer/amend	Amend cash transfer transaction’s detail
POST	/fire/transactions/cash-transfer/cancel	Cancel cash transfer transaction
POST	/va/payments?CompanyCode=&RequestID= OR /va/payments?CompanyCode=&CustomerNumber=	Get status of payment by CompanyCode and CustomerNumber or RequestID
POST	https://www.somesecurities.com/bca/investor-account/statement	Retrieve information of Account Statement of Investor Account for being debited or credited.
POST	https://www.copartners.com/bca-ku/notif-tolakan	Service for BCA to send notification for rejection of domestic bank transfer.
POST	https://www.copartners.com/bca-df/disbursement/notification	Service for BCA to send notification of disbursement.
POST	https://www.copartners.com/bca-df/txn-limit/notification	Service for BCA to send notification of transaction limit update.
POST	https://www.copartners.com/bca-df/stop-supply/notification	Service for BCA to send notification of transaction limit update.
POST	/df/invoice	Send your invoice data to BCA
PUT	/df/invoice	Cancel your invoice data which had been sent to BCA
POST	/fund-collection	Add Fund collection
POST	/fund-blockingAdd data fund blocking	Add data fund blocking
PUT	/fund-blocking	Update data fund blocking
PUT	/fund-blocking/release	Release/cancel data fund blocking
GET	/fund-blocking	Inquiry data fund blocking
POST	/account-authorization/registration	Registration Request
POST	https://copartners.com/account-authorization/notification	Send Notification of Account Authorization Registration status
GET	/accountauthorization/inquiry/{customer_id_merchant}	Inquiry account authorization status
POST	/flazz/getKey	Get Session Key (Part of Topup Flazz Co-Partner API)
POST	/flazz/topup	Send topup request from copartner (Part of Topup Flazz Co-Partner API)
POST	/flazz/reversal	Send reversal request from copartner (Part of Topup Flazz Co-Partner API)
POST	/flazz/ack	Send ack (Part of Topup Flazz Co-Partner API)

Try our APIs using Sandbox. We provide sandbox with dummy and static datas. All the parameter value that can be used to try our sandbox are written on the blue box in this Documentation.

AUTHENTICATION

OAuth2.0

BCA APIs is using OAuth 2.0 as the authorization framework. To get the access token, you need to be authorized by client_id and client_secret. To learn more about the OAuth 2.0 authorization framework, you can read the RFC6749 Documentation.

client_secret dan client_id are used for authentication using OAuth 2.0. You can generate client_id and client_secret after sign in and create application.

Do not share your client_secret! This token act like password, keep it secret and secure, should anyone obtain this information, immediately reset or revoke your client_secret.

Access Token

access_token is an opaque string token that identify the user of the API. This token is required each time an application call API. There are several way to obtain an access_token, which will be described bellow.

Access token must be stored in a secure storage!
Since access_token is portable which mean that once its obtained any request with valid credentials will be considered valid, any agent (mobile device, web browser, or server) could call API requests.

Obtaining Access Token

Access token can be obtained in many way, depend on the grant_type of the application. To access all the services in this sandbox, you will need the access token with grant_type = client_credentials.

Client Credentials Grant

client_credentials grant will provide application access to API without requiring any user credential. Any call requested using access_token obtained using this method are made on behalf of the application instead of the user.

This grant type is designed to be used by server to server call. In order to obtain access_token a request must be made with following specification

Request

Setting	Value
HTTP Method	POST
Path	/api/oauth/token
Host	sandbox.bca.co.id

Request Headers

Name	Format	Mandatory	Description
Authorization	Basic `base64(client_id:client_secret)`	Yes
Content-Type	application/x-www-form-urlencoded	Yes

Request

Field	Data Type	Mandatory	Description
grant_type	String	Yes	value = `client_credentials`

Result of the request will contains following information:

Response

Field	Data Type	Description
access_token	String	your access_token
token_type	String	default is `Bearer`
expires_in	String	`access_token` validity, in seconds
scope	String	application scope/permission granted to application

Signature

Signature is used by BCA to verify that your request is not altered by attackers.

The outline of the HMAC validation process is as follows:

Retrieve Timestamp from HTTP Header (X-BCA-Timestamp)
Retrieve the API Key form HTTP Header (X-BCA-Key)
Lookup the API Secret corresponding to the received key in internal store
Retrieve client HMAC from HTTP Header lowercase hexadecimal format (X-BCA-Signature)
Calculate HMAC using the API Secret as the HMAC secret key
Compare client HMAC with calculated HMAC

If HMAC hash comparison is invalid API Gateway will return a HTTP 400 error code with "HMAC Mismatch" message.

API Key and API Secret are used for hashing HMAC. You can generate API Key and API Secret after sign in and create application.

Generate Signature

SHA-256 HMAC is used to generate the signature with your API secret as the key.

Signature = HMAC-SHA256(apiSecret, StringToSign)

The StringToSign will be a colon-separated list derived from some request data as below:

StringToSign = HTTPMethod+":"+RelativeUrl+":"+AccessToken+":"+Lowercase(HexEncode(SHA-256(RequestBody)))+":"+Timestamp

For GET request (with no RequestBody), you still need to calculate SHA-256 of an empty string.

Details about the data used to derived The StringToSign is explained in the next sections.

HTTP Method

HTTP Method is HTTP Method such as GET, POST, PUT, PATCH, DELETE.
HTTP Method must be given in upper case.

Relative URL

Relative URL is the URL after the hostname & port number.
Relative URL alse includes the query string and must begin with a slash character. Example

Timestamp

The timestamp must be presented in ISO8601 format (yyyy-MM-ddTHH:mm:ss.SSSTZD)

Format	Description
yyyy	four-digit year
MM	two-digit month (01=January, etc.)
dd	two-digit day of month (01 through 31)
T	literal ’T’ as date and time separator
HH	two digits of hour (00 through 23) (am/pm NOT allowed)
mm	two digits of minute (00 through 59)
s	two digits of second (00 through 59)
SSS	three digits representing millisecond (000 through 999)
TZD	time zone designator (+hh:mm or -hh:mm)

EXAMPLE

Request

POST EXAMPLE

Data :
  - Method : POST
  - Relative URL : /banking/corporates/transfers
  - Access token : lIWOt2p29grUo59bedBUrBY3pnzqQX544LzYPohcGHOuwn8AUEdUKS
  - Request body :
    { 
    "CorporateID" : "BCAAPI2016",
        "SourceAccountNumber" : "0201245680",
        "TransactionID" : "00000001",
        "TransactionDate" : "2016-01-30",
        "ReferenceID" : "12345/PO/2016",
        "CurrencyCode" : "IDR",
        "Amount" : "100000.00",
        "BeneficiaryAccountNumber" : "0201245681",
        "Remark1" : "Transfer Test",
        "Remark2" : "Online Transfer"
    }
  - Timestamp : 2016-02-03T10:00:00.000+07:00

API Secret : 22a2d25e-765d-41e1-8d29-da68dcb5698b

Lowercase(HexEncode(SHA-256(RequestBody))) : e3cf5797ac4ac02f7dad89ed2c5f5615c9884b2d802a504e4aebb76f45b8bdfb

StringToSign : POST:/banking/corporates/transfers:lIWOt2p29grUo59bedBUrBY3pnzqQX544LzYPohcGHOuwn8AUEdUKS:e3cf5797ac4ac02f7dad89ed2c5f5615c9884b2d802a504e4aebb76f45b8bdfb:2016-02-03T10:00:00.000+07:00

Signature : 69ad66589ade078a30922a0848725cf153aecfcca82eba94e3270285b4a9c604

GET Example:

Data:
  - Method : GET
  - Relative URL : /banking/v3/corporates/BCAAPI2016/accounts/0201245680/statements?StartDate=2016-09-01&EndDate=2016-09-01
  - Access token : lIWOt2p29grUo59bedBUrBY3pnzqQX544LzYPohcGHOuwn8AUEdUKS
  - Request body : 
  - Timestamp : 2016-02-03T10:00:00.000+07:00

API Secret : 22a2d25e-765d-41e1-8d29-da68dcb5698b

Lowercase(HexEncode(SHA-256(RequestBody))) : e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855

StringToSign : GET:/banking/v2/corporates/BCAAPI2016/accounts/0201245680/statements?EndDate=2016-09-01&StartDate=2016-09-01:lIWOt2p29grUo59bedBUrBY3pnzqQX544LzYPohcGHOuwn8AUEdUKS:e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855:2016-02-03T10:00:00.000+07:00

Signature : 3ac124303746d222387d4398dddf33201a384aa22137aa08f4d9843c6f467a48

Response

Headers

To successfully communicate with BCA Banking API, you must provide the following headers in every API request:

Name	Type	Description
Authorization	Alphanumeric	OAuth2.0 Token Format value: Bearer {access_token}
Content-Type	Alphanumeric	Content of your request body e.g. application/json
Origin	url	Origin domain e.g. yourdomain.com
X-BCA-Key	Alphanumeric	Your API Key generated by BCA
X-BCA-Timestamp	yyyy-MM-ddTHH:mm:ss.SSSTZD (ISO 8601)	Timestamp generated by merchant in ISO 8601 e.g. “2016-02-03T10:00:00.000+07:00”
X-BCA-Signature	Alphanumeric	Signature, please refer to section above

Sample request with complete headers:

Request

GET /general/rate/forex HTTP/1.1
Host: sandbox.bca.co.id
Authorization: Bearer a0daAPsGwPDHGMv6MpWzoIPgZvN9YvrSi7xdVI7Jb98638ilM7ila7
Content-Type: application/json
Origin: yourdomain.com
X-BCA-Key: 41138489-1057-4e7e-ab93-9bc97b511cf6 
X-BCA-Timestamp:  2016-02-03T10:00:00.000+07:00
X-BCA-Signature: ce20470484c27c0441d7c9dedc7d3e187e5e908df1780c6c389941b779033519

Response

AUTHENTICATION SNAP

OAuth2.0 (SNAP)

The BCA Corporate Banking API is using OAuth 2 as the authorization framework. To access all the services you’ll need the access token with grantType=client_credentials. To get the access token, you need to be authorized by client_id. To learn more about the OAuth 2 authorization framework you can read the rfc6749 documentation (https://tools.ietf.org/html/rfc6749).

POST /openapi/v1.0/access-token/b2b HTTP/1.1
Host: server.example.com
X-TIMESTAMP : DateTime with timezone, which follows the ISO-8601 standard
X-CLIENT-KEY : client_id
X-SIGNATURE : Signature Asymmetric
Content-Type : application/json
{
"grantType": "client_credentials"
}

Errors

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message (Indonesian)
400	4007300	Invalid field format [clientId/clientSecret/grantType]
400	4007300	Unauthorized. [Connection not allowed]
400	4007301	invalid field format [X-TIMESTAMP]
400	4007302	Invalid mandatory field [X-CLIENT-KEY]
401	4017300	Unauthorized. [Signature]
401	4017300	Unauthorized. [Unknown client]
504	5047300	Timeout

OAuth2.0 (SNAP)

Request

curl https://sandbox.bca.co.id/openapi/v1.0/access-token/b2b \
-H "X-TIMESTAMP: 2022-04-21T17:34:52+07:00" \
-H "X-CLIENT-KEY: 123 \
-H "X-SIGNATURE:
cjCDSRIf8FIXGs28uVFhxBuRhgV/xEnMOxargNqkTwvgMqDMdyEfwqQ2PIFz891K0LE81dgN
b2CEsJrGAG7tRTur68A0YEHpx8iXXWHD40+iSCgBa8o3QsVBB1ryP1d8FV+dMEeixUKw08fh
QCsN1vqIJhPyZFkg2r3Sr8h+dzG4t7ldr7fTkO7wvEFT4LG9kTAEDqPNPW1P8bZqdHZUe6VD
zqlUWO12Zu2wHofuzRjvXXVYDm1/lwhDmdJqVrvi9g8L5/PmLnzGkjcniJlpBGYYkGE0eA25
bOdJEWdaklQjQDrFg+G8Pl4EnY3PXW1/u7ZwGU131mVy1kvUw801Yw== \
-H "Content-Type: application/json \
 -d "{
 "grantType": "client_credentials"
 }"

Response

{
 "responseCode": "2007300",
 "responseMessage": "Successful",
"accessToken": "7t4tbXnlyn4NABRn0FAhB69CRhxghlPPfPK2l9quE29l4D4k5DLH57,
"tokenType": "bearer",
"expiresIn": "900"
}

Headers (SNAP)

1. Headers

To successfully communicate with BCA Banking Open API, you must provide the following headers in every API request :

Request

Name	Type	Length	Mandatory	Description
Authorization	AN	N/A	Y	Represents access_token of a request, String starts with keyword “Bearer” followed by accessToken
Content-Type	AN	16 (Fixed Length)	Y	Content of you request body e.g. application/json
X-TIMESTAMP	yyyy-MMddThh:mi:ssTZD (ISO 8601)	25 (Fixed Length)	Y	Client’s current local time in yyyy-MM-ddTHH:mm:ssTZD format
X-SIGNATURE	AN	N/A	Y	Signature Symmetric, please refer to Signature section
ORIGIN		N/A	N	Origin Domain www.yourdomain.com
X-EXTERNAL-ID		36 (Max Length)	Y	Numeric String Reference number that should be unique in the same day

Signature (SNAP)

1. Signature (SNAP)

Signature Asymmetric

Signature asymmetric is used by BCA to verify that your access token request is not altered by attackers.

The outline of the HMAC validation process is as follows:

Retrieve Timestamp from HTTP Header (X-TIMESTAMP)
Retrieve the Client Key form HTTP Header (X-CLIENT-KEY)
Retrieve client HMAC from HTTP Header lowercase base64 format (X-SIGNATURE)
Calculate HMAC using the Private Key as the HMAC secret key
Compare client HMAC with calculated HMAC

If HMAC hash comparison is invalid API Gateway will return a HTTP 401 error code together with the following error message on JSON format:

{
"responseCode" : "4017300",
"responseMessage" : "Unathorized. [Signature]"
}

If the HMAC calculation is successful and the calculated value matches the value received from the client, the signature is considered valid.

Generate Signature Asymmetric

SHA256withRSA is used to generate the signature with your Private Key as the key

X-SIGNATURE = SHA256withRSA(PrivateKey, StringToSign)

Note = X-SIGNATURE should be encoded by Base64

The StringToSign will be a colon-separated list derived from some request data as below :

StringToSign = client_ID+"|"+X-TIMESTAMP

Details about the data used to derived The StringToSign is explained in the next sections.

Note : Partner need to send their public key in x.509 format for BCA to use when verifying signature
Sample public key in x.509 format :

Signature Symmetric

Signature is used by BCA to verify that your open api service request is not altered by attackers.

The outline of the HMAC validation process is as follows:

Retrieve Timestamp from HTTP Header (X-TIMESTAMP)
Lookup the Client Secret corresponding to the received key in internal store
Retrieve client HMAC from HTTP Header lowercase base64 format (X-SIGNATURE)
Calculate HMAC using the Client Secret as the HMAC secret key
Compare client HMAC with calculated HMAC

If HMAC hash comparison is invalid API Gateway will return a HTTP 401 error code together with the following error message on JSON format:

{
"responseCode" : "401xx00",
"responseMessage" : " Unauthorized. [Signature]",
"data" : {}
}

Note : xx -> customize to each service code

If the HMAC calculation is successful and the calculated value matches the value received from the client, the signature is considered valid.

Generate Signature Symmetric

SHA-512 HMAC is used to generate the signature with your Client Secret as the key.

X-SIGNATURE = HMAC-SHA512(ClientSecret, StringToSign)

Note = X-SIGNATURE should be encoded by Base64

The StringToSign will be a colon-separated list derived from some request data as below :

StringToSign = HTTPMethod+":"+RelativeUrl+":"+AccessToken+":"+ Lowercase(HexEncode(SHA-256(MinifyJson(RequestBody))))+":"+Timestamp

HexEncode are optional to use, use it if the SHA-256 returns a binary stream.

Details about the data used to derived The StringToSign is explained in the next sections.

HTTP Method

HTTP Method is HTTP Method such as GET, POST, PUT, PATCH, DELETE.
HTTP Method must be given in upper case.

Relative URL

Relative URL is the URL after the hostname & port number.
Relative URL also includes the query string and must begin with a slash character. Example :

Full URL	Relative URL
https://example.com/api/v2/sample?param1=value	/api/v2/sample?param1=value1&pa ram2=value2
https://example.com or https://example.com/	/

The Relative URL must be URI-encoded according to the following rules:

Do not URI-encode forward slash ( / ) if it was used as path component.
Do not URI-encode question mark ( ? ), equals sign ( = ), and ampersand ( & ) if they were used as query string component: as separator between the path and query string, between query parameter and its value, and between each query parameter and value pairs.
Do not URI-encode these characters: A-Z, a-z, 0-9, hyphen ( - ), underscore ( _ ), period ( . ), and tilde ( ~ ) which are defined as unreserved characters in RFC 3986. As for RFC 3986, means that comma that appear in the value of query params or path params should be encoded too when generating Signature.
Percent-encode all other characters not meeting the above conditions using the format: %XY, where X and Y are hexadecimal characters (0-9 and uppercase A-F). For example, the space character must be encoded as %20 (not using '+', as some encoding schemes do) and extended UTF-8 characters must be in the form %XY%ZA%BC.

The query string parameters must be re-ordered according to the following rules:

Sorted by parameter name lexicographically
If there are two or more parameters with the same name, sort them by parameter values.

Relative URL	Sorted Relative URL
/api/v2/sample?A-param=value1&Zparam=value2&B-param=value3	/api/v2/sample?A-param=value1&Bparam=value3&Z-param=value2

AccessToken

AccessToken is an OAuth 2 access token retrieved from the HTTP “Authorization” header.
AccessToken has a validity time of 900 seconds

RequestBody

RequestBody need to be hashed with SHA-256.
Before hashed with SHA-256, RequestBody must to convert to MinifyJSON (remove whitespace except for the key or value json)
If the RequestBody is empty, set it to empty string. .

Timestamp

The timestamp must be presented in ISO8601 format (YYYY-MM-DDThh:mm:ssTZD)
YYYY = four-digit year
MM = two-digit month (01=January, etc.)
DD = two-digit day of month (01 through 31)
T = literal 'T' as date and time separator
hh = two digits of hour (00 through 23) (am/pm NOT allowed)
mm = two digits of minute (00 through 59)
ss = two digits of second (00 through 59)
TZD = time zone designator (Z or +hh:mm or –hh:mm)

API Services

Account Information

1. Account Statement Offline

You can get your bulk statement in form of file for a period up to 7 days. Your Request must contain following information:

Headers

Field	DataType	Mandatory	Description
ChannelID	String(5)	Y	Channel Identification Number (Ex: 95051 for KlikBCA Bisnis)
CredentialID	String(10)	Y	Your Channel Identity (ex: Your KlikBCA Bisnis CorporateID)

Payload

Field	DataType	Mandatory	Description
AccountNumber	String(10)	Y	Account Number
StartDate	String(10)	Y	Start Date of the account statement that you wants to get. Format: yyyy-MM-dd
EndDate	String(10)	Y	End Date of the account statement that you wants to get. Format: yyyy-MM-dd

Response

Field	DataType	Description
RequestID	String(21)	Statement request ID
TransactionDate	String(10)	Transcation date. Format: yyyy-MM-dd

Error

HTTP Code	Error Code	Error Message (Indonesian)	Error Message (English)
404	ESB-07-271	Tidak ada transaksi	No transaction
400	ESB-07-279	Tanggal awal lebih kecil dari tanggal buka rekening	Start date less than account open date
400	ESB-14-001	HMAC tidak cocok	HMAC mismatch
400	ESB-14-002	Permintaan tidak valid	Invalid request
400	ESB-14-003	Timestamp tidak valid	Invalid timestamp
400	ESB-14-004	parameter input tidak valid	Invalid input parameter
500	ESB-14-005	Sistem sedang dalam maintenance	System under maintenance
504	ESB-14-006	Timeout, silakan periksa mutasi rekening	Timeout, please check your account statement
504	ESB-14-007	Timeout	Timeout
401	ESB-14-008	client_id/client_secret/grant_type tidak valid	Invalid client_id/client_secret/grant_type
401	ESB-14-009	Tidak berhak	Unauthorized
429	ESB-14-010	Jumlah permintaan melebihi limit	Limit request exceeded
400	ESB-14-015	Content Type tidak valid	Invalid Content Type
400	ESB-14-016	Format JSON tidak valid	Invalid JSON format
403	ESB-14-019	Koneksi tidak diperbolehkan	Connection not allowed
400	ESB-14-020	Request tidak valid	Invalid Request
400	ESB-14-021	API Key Tidak Valid	API Key Invalid
400	ESB-14-022	API Key/API Secret tidak cocok	API Key/API Secret mismatch
400	ESB-82-001	Field [FieldName] harus diisi	Missing mandatory field [FieldName]
400	ESB-82-002	Corporate Id tidak valid	Invalid CorporateID
400	ESB-82-003	TransactionID tidak unik	TransactionID not unique
400	ESB-82-004	TransactionDate tidak valid	Invalid TransactionDate
403	ESB-82-006	Nominal transaksi melebihi batas maksimum	Max amount transaction is exceeded
400	ESB-82-008	Rekening perusahaan tidak valid	Company account invalid
400	ESB-82-009	CurrencyCode tidak valid	Invalid CurrencyCode
400	ESB-82-010	Format TransactionID tidak valid	Invalid TransactionID format
400	ESB-82-011	Amount tidak valid	Invalid Amount
400	ESB-82-012	Panjang karakter data input tidak valid	Invalid input length
400	ESB-82-013	Tipe data input tidak valid	Invalid data type
400	ESB-82-014	AccountNumber tidak valid	Invalid AccountNumber
403	ESB-82-015	Min Max Amount Execeeded	Min Max Amount Execeeded
403	ESB-82-018	Rekening Dormant	Account Dormant
402	ESB-82-019	Saldo tidak cukup	Insufficient fund
400	ESB-82-020	Tipe rekening tidak valid	Invalid account type
403	ESB-82-021	Rekening tidak dapat melakukan transaksi	Account cannot do transaction
404	ESB-82-022	Rekening tutup	Account closed
500	ESB-82-023	Transaksi gagal	Transaction failed
504	ESB-82-024	Timeout, silakan periksa mutasi rekening	Timeout, please check your account statement
500	ESB-82-025	Sedang diproses, silakan periksa mutasi rekening	In progress, please check your account statement
500	ESB-82-026	Lewat batas waktu cut off	Cut off time is exceeded
400	ESB-99-009	Field [FieldName] harus diisi	Missing mandatory field [FieldName]
403	ESB-99-075	KeyID tidak ditemukan	KeyID is not found
403	ESB-99-089	Transaksi berhasil sebagian	Transaction success partially
400	ESB-99-112	Input string JSON tidak valid	Invalid JSON string input
400	ESB-99-113	Transaksi ditolak	Transaction rejected
400	ESB-99-128	Panjang field [FieldName] melebihi ketentuan	Field [FieldName] exceed limit
400	ESB-99-128	Total input [FieldName] melebihi ketentuan	Total [FieldName] input exceed limit
400	ESB-99-156	ChannelType tidak valid	ChannelType is not valid
400	ESB-99-156	AccountNumber Tidak Valid	Invalid AccountNumber
400	ESB-99-157	Transaksi ditolak	Transaction rejected
400	ESB-99-158	Tanggal berakhir lebih besar dari tanggal hari ini	End date more than today
400	ESB-99-158	Tanggal mulai lebih besar dari tanggal hari ini	Start date more than today
400	ESB-99-158	Maksimal mutasi rekening yang dipilih 31 hari yang lalu	Maximal account statement 31 days ago
400	ESB-99-158	Tanggal mulai lebih besar dari tanggal berakhir	Start date more than end date
404	ESB-99-127	Transaksi tidak ditemukan	Transaction not found
400	ESB-99-197	Nama atau nomor rekening tidak sesuai	Account name/number does not match
400	ESB-99-284	[FieldName] tidak valid	Invalid [FieldName]
500	ESB-99-999	Sistem sedang tidak tersedia	System unavaliable

GET /banking/offline/corporates/accounts/{AccountNumber}/filestatements

Request

GET /banking/offline/corporates/accounts/0201245680/filestatements?StartDate=2016-06-24&EndDate=2016-06-24 HTTP/1.1
Host: sandbox.bca.co.id
Authorization: Bearer [access_token]
Content-Type: application/json
Origin: [yourdomain.com]
X-BCA-Key: [api_key]
X-BCA-Timestamp: [timestamp]
X-BCA-Signature: [signature]

Response

{
    "RequestID" : "ABCDEFGHIJ_0000000752",
    "ResponseWS" : "Request Account Statement Berhasil Diterima dan Sedang
Diproses",    
}

2. Customer Fund Account Notification

Retrieve information of Account Statement of Investor Account for being debited or credited.

Request:

Field	DataType	Mandatory	Description
ExternalReference	String(32)	Y	Alphanumeric. Unique reference number for the request sent.
SeqNumber	String(14)	Y	Numeric. Identifier for the transaction.
AccountNumber	String(10)	Y	Numeric. The investor account number.
Currency	String(3)	Y	Currently always set to IDR
TxnDate	String(15)	Y	Numeric. In format ”mmddyyyy hhmmss”.
TxnType	String(4)	Y	Refer to table Transaction Type
TxnCode	String(1)	Y	D/C indicate debit or credit transaction.
AccountDebit	String(23)	Y	Numeric. The debited account (source of fund).
AccountCredit	String(23)	Y	Numeric. The credited account (transfer destination account).
TxnAmount	String(13.2)	Y	Numeric. Money nominal of the transfer.
OpenBalance	String(13.2)	Y	Numeric. Possible signed amount with - / + symbol.
CloseBalance	String(13.2)	Y	Numeric. Possible signed amount with - / + symbol.
TxnDesc	String(90)	Y	Any description.

Result of the request will contains following information:

No.	Transaction Type	Transaction Code	Description
1.	NTRF	D	Fund Transfer from KlikBCA Bisnis MFTS – Auto collection from KlikBCA Bisnis
		C	Fund Transfer from KlikBCA Bisnis, KlikBCA Individu, m-BCA, BCA by Phone, ATM, ATM Kiosk MFTS – Auto credit from KlikBCA Bisnis Cash deposit, Fund Transfer, Credit Note from Branch Deposit Clearing
2.	NINT	C	Interest Giro Service
3.	NREV	D	Credit Reversal
4.	NKOR	D	Debit Correction
		C	Credit Correction
5.	NTAX	D	Tax
6.	NCHG	D	Admin Fee

When Transaction Type (TxnType) value is NREV, the value of External Reference (ExternalReference) will be the same with the reversed transaction (the original transaction with same ExternalReference number but TxnType is NTRF).

Response:

Field	DataType	Description
ResponseWS	String	Flag received status. 0 : request successfully accepted and no internal error 1 : request unsuccessfully accepted and or some internal error occurred

Customer Fund Account Notification

Request

POST https://www.somesecurities.com/bca/investor-account/statement
{
"ExternalReference":"AAABBBCCCDDDEEEE1234567890123456",
"SeqNumber":"10023",
"AccountNumber":"5421036985",
"Currency":"IDR",
"TxnDate":"08252017 143801",
"TxnType":"NTRF",
"TxnCode":"C",
"AccountDebit":"1704000420",
"AccountCredit":"5421036985",
"TxnAmount":"200000.00",
"OpenBalance":"-150000.00",
"CloseBalance":"+50000.00",
"TxnDesc":"-"
}

Response

{
    "ResponseWS":"0"
}

3. Notification Account Statement Offline

Service for BCA to send notification that File Statement is ready to download.

Request:

Field	DataType	Mandatory	Description
RequestID	String(21)	Y	ID for every request
AccountNumber	String(10)	Y	Requested Account Number
StartDate	String(10)	Y	Statement start date. Format: yyyy-MM-dd
EndDate	String(10)	Y	Statement end date. Format: yyyy-MM-dd

Response:

Field	DataType	Description
ResponseWS	String	Statement request ID
ResponseWS	String	Response from Co-Partner

NOTIFICATION ACCOUNT STATEMENT OFFLINE

Request

POST https://www.copartners.com/bca/async/statement

-H "X-Pass-Signature:b9125ab10816f6929d214c96ffca77dfd5a1ea13856362b85eeaeb70155"
-d "{
"RequestID": "h2hauto014_0000000551",
"AccountNumber": "0613004197",
"StartDate": "2019-02-20",
"EndDate": "2019-02-20",
}"

Response

{
    "RequestID" : "h2hauto014_0000000551",
    "ResponseWS" : "1",    
}

4. SNAP Banking Balance Inquiry

This service is used to inquiry account balance.

Additional Headers and URI Params

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String (5)	Fixed	Y	Channel’s identifier using WSID KlikBCA Bisnis (95051)
X-PARTNER-ID	Header	String (32)	Max	Y	Corporate ID

Payload

Field	DataType	Length Type	Mandatory	Format	Description
partnerReferenceNo	String(64)	Max	Y	-	Transaction identifier on service customer system
accountNo	String(16)	Max	Y	Numeric	Registered account number in KlikBCA Bisnis. For BCA, length account number is 10 digit

Result of the request will contains following information:

Response

Field	DataType	Length Type	Mandatory	Format	Description
responseCode	String (7)	Fixed	Y	-	Response code
responseMessage	String (150)	Max	Y	-	Response description
referenceNo	String (64)	Max	Y (When the transaction is successful)	Numeric	Transaction identifier on service provider system. Unique each day from BCA Must be filled upon successful transaction With format as follows : yymmddHH (from timestamp, 8 digit) xx (prefix menu, 2 digit) sequence number (8 digit)
partnerReferenceNo	String (64)	Max	Y	-	Transaction identifier on service customer system *according to the request input
accountNo	String (32)	Max	N	Numeric	Send by BCA according to the request input. Registered account number in KlikBCA Bisnis. For BCA, length account number is 10 digit.
name	String (140)	Max	N	Alphanumeric	Send by BCA. Customer account name
accountInfos	Array of object				Starting and ending balance before the first/last transaction.
amount	Object		Y		Send by BCA. Net amount of the transaction
value	String(16.2)	Max	Y	Numeric	If it’s IDR then value includes 2 decimal digits. BCA will send response amount with format value Numeric (13.2)
currency	String(3)	Fixed	Y	Alphanumeric	Currency ISO 4217
floatAmount	Object		N		Send by BCA. Amount of deposit that is not effective yet (due to holiday, etc)
value	String(16.2)	Max	Y	Numeric	If it’s IDR then value includes 2 decimal digits. BCA will send response amount with format value Numeric (13.2)
currency	String(3)	Fixed	Y	Alphanumeric	Currency ISO 4217
holdAmount	Object		N		Send by BCA. Hold amount that cannot be used
value	String(16.2)	Max	Y	Numeric	If it’s IDR then value includes 2 decimal digits. BCA will send response amount with format value Numeric (13.2)
currency	String(3)	Fixed	Y	Alphanumeric	Currency ISO 4217
availableBalance	Object		Y		Send by BCA. Account balance that can be used for financial transaction
value	String(16.2)	Max	Y	Numeric	If it’s IDR then value includes 2 decimal digits. BCA will send response amount with format value Numeric (13.2)
currency	String(3)	Fixed	Y	Alphanumeric	Currency ISO 4217

Error

HTTP Code	Error Code	Error Message (Indonesian)
400	4001100	Bad request
400	4001101	Invalid Mandatory Field {Field}
400	4001102	Invalid Field Format {Field}
401	4011100	Unauthorized. [Reason]
401	4011101	Invalid token (B2B)
403	4031101	Feature Not Allowed
403	4031118	Inactive Account
404	4041111	Invalid Account
409	4091100	Conflict
500	5001100	General Error
504	5041100	Timeout

curl –X POST https://sandbox.bca.co.id:8443/openapi/v1.0/balance-inquiry

Request

-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': 'KBBABCINDO'
-d '{
 "partnerReferenceNo": "2020102900000000000001",
 "accountNo": "1234567890"
}

Response

{
 "responseCode": "2001100",
 "responseMessage": "Successful",
 "referenceNo": "2020102977770000000009",
 "partnerReferenceNo": "2020102900000000000001",
 "accountNo": "1234567890",
 "name": "ANDHIKA",
 "accountInfos": {
 "amount": {
 "value": "100000.00",
 "currency": "IDR"
 },
 "floatAmount": {
 "value": "500000.00",
 "currency": "IDR"
 },
 "holdAmount": {
 "value": "200000.00",
 "currency": "IDR"
 },
 "availableBalance": {
 "value": "200000.00",
 "currency": "IDR"
 }
}
}

5. SNAP Banking Bank Statement

This service is used to inquiry account statement.

Additional Headers and URI Params

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String (5)	Fixed	Y	Channel’s identifier using WSID KlikBCA Bisnis (95051)
X-PARTNER-ID	Header	String (32)	Max	Y	Corporate ID

Payload

Field	DataType	Length Type	Mandatory	Format	Description
partnerReferenceNo	String(64)	Max	Y	-	Transaction identifier on service customer system
accountNo	String(16)	Max	Y	Numeric	Registered account number in KlikBCA Bisnis. For BCA, length account number is 10 digit
fromDateTime	Date (25)	Max	Y	ISODateTime ISO-8601	Starting time range Default : NOW (DESCENDING) or NOW -1 year (ASCENDING) (must be filled YYYYMMDDT00:00:00+07:00) For BCA, only provide data for NOW - 31 days
toDateTime	Date (25)	Max	Y	ISODateTime ISO-8601	Ending time range Default : NOW (DESCENDING) or NOW – 1 year (ASCENDING) (must be filled YYYYMMDDT00:00:00+07:00) For BCA, only provide data for NOW – 31 days

Account mutations appear in the order of the newest transaction to the oldest transaction.
The maximum number of mutations that can be withdrawn in 1x request is 9000.
If fromDateTime and toDateTime are inputted on the request for a holiday date, then the mutation that will be displayed is the mutation from the request date to the date of the next working day.

Result of the request will contains following information:

Response

Field	DataType	Length Type	Mandatory	Format	Description
responseCode	String (7)	Fixed	Y	-	Response code
responseMessage	String (150)	Max	Y	-	Response description
referenceNo	String (64)	Max	Y (When the transaction is successful)	Numeric	Transaction identifier on service provider system. Unique each day from BCA Must be filled upon successful transaction With format as follows : yymmddHH (from timestamp, 8 digit) xx (prefix menu, 2 digit) sequence number (8 digit)
partnerReferenceNo	String (64)	Max	Y	-	Transaction identifier on service customer system *according to the request input
balance	Array of object				Starting and ending balance before the first/last transaction.
amount	Object		Y		Amount of balance
value	String(16.2)	Max	Y	Numeric	If it’s IDR then value includes 2 decimal digits. BCA will send response amount with format value Numeric (13.2)
currency	String(3)	Fixed	Y	Alphanumeric	Currency ISO 4217
dateTime	String(25)	Max	Y	ISODateTime 8601	Timestamp of the balance
startingBalance	Object		N		Starting and ending balance before the first/last transaction
value	String(16.2)	Max	Y	Numeric	If it’s IDR then value includes 2 decimal digits. BCA will send response amount with format value Numeric (13.2)
currency	String(3)	Fixed	Y	Alphanumeric	Currency ISO 4217
dateTime	String(25)	Max	Y	ISODateTime 8601	Timestamp of the balance
endingBalance	Object		N		Starting and ending balance before the first/last transaction
value	String(16.2)	Max	Y	Numeric	If it’s IDR then value includes 2 decimal digits. BCA will send response amount with format value Numeric (13.2)
currency	String(3)	Fixed	Y	Alphanumeric	Currency ISO 4217
dateTime	String(25)	Max	Y	ISODateTime 8601	Timestamp of the balance
totalCreditEntries	Object		N		Total transaction amount with type = CREDIT
numberOfEntries	String (5)	Max	Y	Numeric	Number of entries for credit transaction
amount	Object		Y		Amount of balance
value	String(16.2)	Max	Y	Numeric	If it’s IDR then value includes 2 decimal digits. BCA will send response amount with format value Numeric (13.2)
currency	String(3)	Fixed	Y	Alphanumeric	Currency ISO 4217
totalDebitEntries	Object		N		Total transaction amount with type =DEBIT
numberOfEntries	String (5)	Max	Y	Numeric	Number of entries for credit transaction
amount	Object		Y		Amount of balance
value	String(16.2)	Max	Y	Numeric	If it’s IDR then value includes 2 decimal digits. BCA will send response amount with format value Numeric (13.2)
currency	String(3)	Fixed	Y	Alphanumeric	Currency ISO 4217
detailData	Array of object
endAmount	Object		Y		Net amount of the transaction
value	String(16.2)	Max	Y	Numeric	If it’s IDR then value includes 2 decimal digits. BCA will send response amount with format value Numeric (13.2)
currency	String(3)	Fixed	Y	Alphanumeric	Currency ISO 4217
amount	Object		Y
value	String(16.2)	Max	Y	Numeric	If it’s IDR then value includes 2 decimal digits. BCA will send response amount with format value Numeric (13.2)
currency	String(3)	Fixed	Y	Alphanumeric	Currency ISO 4217
transactionDate	String (25)	Fixed	Y	ISO8601	Transaction date
remark	String (256)	Max	Y	-	Remark / transaction description. For BCA, remark is 36 digit divided in 2 field (remark 1 with 18 digit and remark 2 with 18 digit). Filled with data from txn_name and trailer 1-6
type	String (6)	Fixed	Y	Alphanumeric	Transaction type CREDIT/DEBIT

Error

HTTP Code	Error Code	Error Message (Indonesian)
400	4001402	Invalid Mandatory Field {Field}
400	4001402	Invalid Field Format {Field}
401	4011400	Unauthorized. [Reason]
401	4011401	Invalid token (B2B)
403	4031401	Feature Not Allowed
404	4041411	Invalid Account
409	4091400	Conflict
429	4291400	Too Many Requests
500	5001400	General Error
504	5041400	Timeout

curl –X POST https://sandbox.bca.co.id/openapi/v1.0/bank-statement

Request

-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': 'KBBABCINDO'
-d '
{
	"partnerReferenceNo": "2020102900000000000001",
	"accountNo": "1234567890",
	"fromDateTime": "2021-04-21T00:00:00+07:00",
	"toDateTime": "2021-04-21T00:00:00+07:00"
}'

Response

{
	"responseCode": "2001400",
	"responseMessage": "Successful",
	"referenceNo": "2020102977770000000009",
	"partnerReferenceNo": "2020102900000000000001",
	"balance": [
	{
		"amount": {
			"value": "500000.00",
			"currency": "IDR",
			"dateTime": "2020-12-19T16:03:45+07:00"
		},
		"startingBalance": {
			"value": "500000.00",
			"currency": "IDR?",
			"dateTime": "2020-12-19T16:03:45+07:00"
		},
		"endingBalance": {
			"value": "500000.00",
			"currency": "IDR?",
			"dateTime": "2020-12-19T16:03:45+07:00"
		}
	}],
	"totalCreditEntries": 
	{
		"numberOfEntries": "10",
		"amount": {
			"value": "500000.00",
			"currency": "IDR"
		}
	},
	"totalDebitEntries": 
	{
		"numberOfEntries": "10",
		"amount": {
			"value": "500000.00",
			"currency": "IDR"
		}
	},
	"detailData": [
	{
		"amount": 
		{
			"value": "10000.00",
			"currency": "IDR"
		},
		"transactionDate": "2020-12-18T16:03:45+07:00",
		"remark": "TRSF E-BANKING DB 1111/ATRTG/WS95051 09112016123456pencairan merchant SITI KHADIJAH",
		"type": "DEBIT", 
	},
	{
		"amount": 
		{
			"value": "10000.00",
			"currency": "IDR"
		},
		"transactionDate": "2020-12-18T16:03:45+07:00",
		"remark": "BA JASA E-BANKING 0709/FTCHG/WS95321DOM210907115626680PPU_CGAMBIAYA TRANSAKSI",
		"type": "DEBIT",
	}]
}

Account Debiting Consent

1. Account Debiting Consent Notification

Service for BCA to notify Account Authorization Registration Status.

Your Request must contain following information:

Request

Field	Data Type	Mandatory	Length Type	Format	Description
request_id	String(33)	Y	Fix	-	Request ID
customer_id_merchant	String(15)	Y	Max Length	Number	CustomerID Merchant
customer_name	String(30)	Y	Max Length	-	Customer Name
db_account_no	String(10)	Y	Fix	Number	Mandatory if the status is 01 and 03
status	String(2)	Y	Fix	Number	SKPR Registration Status “01” = Success Register “02” = Failed Register “03” = Success Delete “04” = Failed Delete
Reason	Object	-	-	-	-
english	String(50)	N	Max Length	-
indonesia	String(50)	N	Max Length	-

Response

Field	DataType	Mandatory	Description
request_id	String(33)	Y (if SKPR Digital)	Request ID if SKPR Digital
response_ws	String(1)	Y	Response 0 = Success 1 = Failed

POST https://copartners.com/account-authorization/notification

Request

SKPR Digital Success

POST https://copartners.com/account-authorization/notification
-d '{
"request_id" : "A2AAB46BE91573E6E05400144FFED17AB",
 "customer_id_merchant" : "081818181818181",
 "customer_name" : "nama pelanggan",
 "db_account_no" : "0611112221",
 "status" : "01"
 } '

Request for registration SKPR Digital (failed) 
POST https://copartners.com/account-authorization/notification
-d '{
 "request_id" : "A2AAB46BE91573E6E05400144FFED17AB",
 "customer_id_merchant" : "081818181818181",
 "customer_name" : "nama pelanggan",
 "status" : "02",
 "reason" : {
 "english" : "Invalid Account",
 "indonesia" : "Rekening tidak valid"
 }
 } '

Request for delete SKPR Digital (success)
POST https://copartners.com/account-authorization/notification
-d '{
 "request_id" : "A2AAB46BE91573E6E05400144FFED17AB",
 "customer_id_merchant" : "081818181818181",
 "customer_name" : "nama pelanggan",
 "db_account_no" : "0611112221",
 "status" : "03"
 } '

Request for delete SKPR Digital (failed)
POST https://copartners.com/account-authorization/notification
-d '{
 "customer_id_merchant" : "081818181818181",
 "customer_name" : "nama pelanggan",
 "db_account_no" : "0611112221",
 "status" : "04",
 "reason" : {
 "english" : "Invalid Account",
 "indonesia" : "Rekening tidak valid"
 }
 } '

Request for delete SKPR Conventional (success)
POST https://copartners.com/account-authorization/notification
-d '{
 "customer_id_merchant" : "081818181818181",
 "db_account_no" : "0611112221",
 "status" : "03"
 } '

Request for delete SKPR Conventional (failed)
POST https://copartners.com/account-authorization/notification
-d '{
 "customer_id_merchant" : "081818181818181",
 "db_account_no" : "0611112221",
 "status" : "04",
 "reason" : {
 "english" : "Invalid Account",
 "indonesia" : "Rekening tidak valid"
 }
 } '

Response

Response for SKPR Digital
{
 "request_id" : "A2AAB46BE91573E6E05400144FFED17AB”,
 "response_ws" : "0"
}

Response for SKPR Conventional
{
 "response_ws" : "0"
}

2. Account Debiting Consent Registration

Get your request ID which will be required to access Account Authorization webview.

Your Request must contain following information:

Additional headers

Field	DataType	Mandatory	Description
ChannelID	String(5)	Y	Channel ID (BCA channel’s identifier).Ex: “95051”.
CredentialID	String(10)	Y	Company Code Auto-Collection

Request

Field	DataType	Mandatory	Description
customer_id_merchant	String(15)	Y	Customer id merchant in number.
identifications	Object	Y	Customer data
type	Numeric(1)	Y	Customer data type. Type contains numbers 1, 2, and 3. 1 = “Nama Pelanggan” 2 = “Tipe Debit” 3 = “Nominal Pembayaran”
identification	String(30)	Y	If “type” : “1” then “identification ” : “customer name”. Example : “identification” : “budi”
identification	String(1)	Y	If “type” : “2” then “identification ” : “tipe_debit” (F : Fix / V : Variable). Example : “identification” : “V”
identification	Numeric(13)	Y	If “type” : “3” then “identification ” :“nominal pembayaran”. If tipe_debit = V then amount “0”. If tipe_debit = F the amount “nominal transaksi. Example : “identification” : “0”
merchant_logo_url	String	N	Merchant logo URL to display on webview

Response

Field	DataType	Mandatory	Description
request_id	String(33)	Y	Registration token to open a webview
random_string	String(16)	Y	Random string used to generate String verification to open webview
expired_date	Long(13)	Y	Expired date in epoch
created_date	Long(13)	Y	Created date in epoch

Here is the list of error codes that can be returned:

HTTP Code	Error Code	Error Message (Indonesian)	Error Message (English)
400	3-2-100	ID pelanggan harus diisi	Customer ID cannot be empty
400	3-2-100	ID pelanggan tidak valid	Invalid customer ID
400	3-2-100	Nama pelanggan harus diisi	Customer name cannot be empty
400	3-2-100	Nama pelanggan tidak valid	Invalid customer name
400	3-2-100	Tipe debit harus diisi	Debit type cannot be empty
400	3-2-100	Tipe debit tidak valid	Invalid debit type
400	3-2-100	Jumlah pembayaran harus diisi	Amount cannot be empty
400	3-2-100	Jumlah pembayaran tidak valid	Invalid amount
400	3-2-101	Kode perusahaan tidak valid	Invalid company code
400	3-2-300	Registrasi Kuasa Debet telah melebihi batas maksimal. Silahkan hubungi Halo BCA untuk informasi lebih lanjut	Account Authorization registrastion already exceed the limit. Please contact Halo BCA for the further information
400	3-2-307	ID pelanggan sudah aktif	Customer ID already active
400	3-2-325	Data pelanggan tidak ditemukan	Customer data not found
400	3-2-300	Transaksi tidak dapat diproses. Silahkan ulangi beberapa saat lagi	Transaction cannot be completed. Please try again later
400	3-2-998	Transaksi gagal. Silahkan ulangi beberapa saat lagi	Transaction failed. Please try again later.
400	3-2-999	Transaksi tidak dapat diproses. Silahkan ulangi beberapa saat lagi	Transaction cannot be completed. Please try again later

POST /account-authorization/registration

Request

POST /account-authorization/registration HTTP/1.1
Host: sandbox.bca.co.id
Authorization: Bearer [access_token]
Content-Type: application/json
Origin: [yourdomain.com]
X-BCA-Key: [api_key]
X-BCA-Timestamp: [timestamp]
X-BCA-Signature: [signature]
ChannelID: [channelID]
CredentialID: [credentialID]

{
    "customer_id_merchant" : "081818181818181",
     "identifications" : [
        {"type":"1","identification" : "nama pelanggan"},
        {"type":"2","identification" : "V"},
	{"type":"3","identification" : "0"},
        ],
    "merchant_logo_url" : "https://logo.com/",
}

Response

{
    "request_id" : "A2AAB46BE91573E6E05400144FFED17A",
    "random_string"" : "L1APowN4R3uM1CiY",
    "expired_date" : "1586226654111",
    "created_date" : "1586224854111"
}

3. Account Debiting Consent Status Inquiry

This service is used to get account authorization status based on the customer id.

Your Request must contain following information:

Additional headers and URI Params

Field	Params Type	DataType	Mandatory	Description
ChannelID	Header	String(5)	Y	Channel ID (BCA channel’s identifier).Ex: “95051”.
CredentialID	Header	String(10)	Y	Company Code Auto-Collection
customer_id_merchant	Path	String(15)	Y	Customer ID in number. Account authorization status that can be inquired is 7 days back from the inquiry date

Response

Field	DataType	Description
customer_id_merchant	String(15)	Customer id from input
skpr_pending	Object	Account authorization pending list. Shows list of on process/failed account authorization registration
request_id	String(33)	Request ID. ID when request registration
status	String(2)	Registration status: 02 = Failed 03 = On process
failed_date	String(10)	Account authorization failed date (only when status = 02) Format: yyyy-MM-dd
skpr_active	Object	Account authorization active list. Shows list of active account authorization registration
skpr_id	String(33)	SKPR ID. ID when request registration
db_account_no	String(10)	Account number registered
active_date	String(10)	SKPR active date Format: yyyy-MM-dd

Here is the list of error codes that can be returned:

HTTP Code	Error Code	Error Message (Indonesian)	Error Message (English)
400	3-2-100	ID pelanggan harus diisi	Customer ID cannot be empty
400	3-2-100	ID pelanggan tidak valid	Invalid customer ID
400	3-2-100	Nama pelanggan harus diisi	Customer name cannot be empty
400	3-2-100	Nama pelanggan tidak valid	Invalid customer name
400	3-2-100	Tipe debit harus diisi	Debit type cannot be empty
400	3-2-100	Tipe debit tidak valid	Invalid debit type
400	3-2-100	Jumlah pembayaran harus diisi	Amount cannot be empty
400	3-2-100	Jumlah pembayaran tidak valid	Invalid amount
400	3-2-101	Kode perusahaan tidak valid	Invalid company code
400	3-2-300	Registrasi Kuasa Debet telah melebihi batas maksimal. Silahkan hubungi Halo BCA untuk informasi lebih lanjut	Account Authorization registrastion already exceed the limit. Please contact Halo BCA for the further information
400	3-2-307	ID pelanggan sudah aktif	Customer ID already active
400	3-2-325	Data pelanggan tidak ditemukan	Customer data not found
400	3-2-300	Transaksi tidak dapat diproses. Silahkan ulangi beberapa saat lagi	Transaction cannot be completed. Please try again later
400	3-2-998	Transaksi gagal. Silahkan ulangi beberapa saat lagi	Transaction failed. Please try again later.
400	3-2-999	Transaksi tidak dapat diproses. Silahkan ulangi beberapa saat lagi	Transaction cannot be completed. Please try again later

GET /account-authorization/inquiry/{customer_id_merchant}

Request

GET /account-authorization/inquiry/081818181818181 HTTP/1.1
Host: sandbox.bca.co.id
Authorization: Bearer [access_token]
Content-Type: application/json
Origin: [yourdomain.com]
X-BCA-Key: [api_key]
X-BCA-Timestamp: [timestamp]
X-BCA-Signature: [signature]
ChannelID: [channelID]
CredentialID: [credentialID]

Response

{
    "customer_id_merchant" : "081818181818181",
    "skpr_pending" : [
	{
		"request_id" : "A9DB1D7A9CE804C5E05400144FFED17A"",
		"status" : "03""	
	},
	{
		"request_id" : "A9DB1D7A9CE704C5E05400144FFED17A"",
		"status" : "02"",	
		"failed_date" : "2020-07-06"	
	}
      ],
      "skpr_active" : [
	{
		"skpr_id" : "A7C6791C9ADC6CB9E05400144FFED17A"",
		"db_account_no" : "0250995514"",	
		"active_date" : "2020-06-11"	
	}
      ]
}

4. Delete Account Debiting Consent

Delete your registration Account Authorization.

Your Request must contain following information:

Request Headers and URI Params

Field	Params Type	DataType	Mandatory	Description
channel-id	Header	String(5)	Y	Channel ID KlikBCA Bisnis 95051
credential-id	Header	String(8)	Y	Company Code Auto-Collection
customer_id_merchant	Path	String(15)	Y	Customer ID Merchant
db_account_no	Path	String(10)	Y	Customer Account No

Response

Field	DataType	Mandatory	Description
customer_id_merchant	String(15)	Y	Customer ID Merchant
db_account_no	String(10)	Y	Customer Account No
status	String(11)	Y	Default status “In Progress”

Here is the list of error codes that can be returned:

HTTP Code	Error Code	Error Message (Indonesian)	Error Message (English)
400	3-2-100	ID pelanggan harus diisi	Customer ID cannot be empty
400	3-2-100	ID pelanggan tidak valid	Invalid customer ID
400	3-2-100	Nama pelanggan harus diisi	Customer name cannot be empty
400	3-2-100	Nama pelanggan tidak valid	Invalid customer name
400	3-2-100	Tipe debit harus diisi	Debit type cannot be empty
400	3-2-100	Tipe debit tidak valid	Invalid debit type
400	3-2-100	Jumlah pembayaran harus diisi	Amount cannot be empty
400	3-2-100	Jumlah pembayaran tidak valid	Invalid amount
400	3-2-101	Kode perusahaan tidak valid	Invalid company code
400	3-2-300	Registrasi Kuasa Debet telah melebihi batas maksimal. Silahkan hubungi Halo BCA untuk informasi lebih lanjut	Account Authorization registrastion already exceed the limit. Please contact Halo BCA for the further information
400	3-2-307	ID pelanggan sudah aktif	Customer ID already active
400	3-2-325	Data pelanggan tidak ditemukan	Customer data not found
400	3-2-300	Transaksi tidak dapat diproses. Silahkan ulangi beberapa saat lagi	Transaction cannot be completed. Please try again later
400	3-2-998	Transaksi gagal. Silahkan ulangi beberapa saat lagi	Transaction failed. Please try again later.
400	3-2-999	Transaksi tidak dapat diproses. Silahkan ulangi beberapa saat lagi	Transaction cannot be completed. Please try again later

DELETE /accountauthorization/customer/832789861532974/account-number/51421329865

Request

curl –X DELETE https://sandbox.bca.co.id/accountauthorization/customer/832789861532974/account-number/51421329865
-H 'channel-id':'95051'
-H 'credential-id': '00000001'

Response

{
 "customer_id_merchant": "832789861532974",
 "db_account_no": "51421329865",
 "status" : "In Progress"
}

Virtual Account for Biller

1. SNAP Virtual Account Inquiry

This service is used to VA BillPresentment.

This feature is not yet available to be accessed via Sandbox.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)		Y	Channel’ Identifier using WSID BCA Virtual Account (95231)
X-PARTNER-ID	Header	String(32)		Y	Partner ID using Company Code VA
X-EXTERNAL-ID	Header	String (36)		Y	Numeric String. Reference number that should be unique in the same day

Payload:

Field	Data Type	Mandatory	Description
partnerServiceId	String (8)	Y	Derivative of XPARTNER-ID, similar to company code 8 digit left padding space
customerNo	String (20)	Y	Unique number (up to 20 digits)
virtualAccountNo	String (28)	Y	partnerServiceId (8 digit left padding space “ “) + customerNo (up to 20 digit)
trxDateInit	Date (25)	N	BCA internal system datetime with timezone, which follows the ISO-8601 standard
channelCode	Numeric (4)	N	Channel code based on ISO 18245
inquiryRequestId	String (128)	Y	Unique identifier for this inquiry. Generated by BCA.
additionalInfo	Object	N	Optional. Additional Information for custom user

Result of the request will contains following information:

Response:

Field	Data Type	Mandatory	Description
responseCode	String (7)	Y	Mandatory in BCA. Response code from Partner, refer to Appendix for list of response code
responseMessage	String (150)	Y	Mandatory in BCA. Response message from Partner, refer to Appendix for list of response code
virtualAccountData	Object	Y
inquiryStatus	String (2)	N	Mandatory in BCA. Status of inquiry, refer to Notes for status values
inquiryReason	Object	N	Mandatory in BCA. Reason for inquiry Status multi language
english	String (64)	N	Reason for inquiry Status in English
indonesia	String (64)	N	Reason for inquiry Status in Bahasa
partnerServiceId	String (8)	Y	Mandatory in BCA. Derivative of X-PARTNER-ID, similar to company code, 8 digit left padding space “ ”
customerNo	String (20)	Y	Mandatory in BCA. Unique number (up to 20 digits).
virtualAccountNo	String (28)	N	Mandatory in BCA. partnerServiceId (8 digit left padding space “ ”) + customerNo (up to 20 digit)
virtualAccountName	String (255)	N	Mandatory in BCA. Customer name
inquiryRequestId	String (128)	Y	Mandatory in BCA. From Inquiry Request
totalAmount	Object	N	Mandatory in BCA.
value	String (16.2) ISO 4217	Y	Transaction Amount. Total Amount with 2 decimal
currency	String (3)	Y	Currency
subCompany	String (5)	N	Mandatory in BCA. Partner's product code (sub company code). Mandatory for non-multibills transaction.
billDetails	Array of Objects	N	Array with maximum 24 Objects
billNo	String (18)	N	Customer bill number generated by Partner
billDescription	Object	N	Bill Description
english	String (18)	N	Bill Description in English
indonesia	String (18)	N	Bill Description in Bahasa
billSubCompany	String (5)	C	Bill sub company code
billAmount	Object	N	Amount specific to bill number
value	String (16.2) ISO 4217	Y	Transaction Amount
currency	String (3)	Y
additionalInfo	Object	N	Optional. Additional information for custom use. Refer to Appendix C for complete list of additionalInfo for Virtual Account
freeTexts	Array of Objects	N	Optional. Array with maximum 9 objects. freeTexts field in inquiry bill should not be greater than 5

Note :

The final status of inquiry response is not determined by responseCode and responseMessage.
Status of inquiry will be defined in inquiryStatus and inquiryReason field to be displayed to channel's screen. This field may vary with these values:
00 = Success inquiry, detail bill returned
01 = Failed inquiry, partner must defined reason for this status in InquiryReason field.
BCA will continue to check the inquiryStatus and inquiryReason if the responseCode received is 2002400 and 2022400.
If the response code is not either 2002400 or 2022400, BCA will on consider the response as failed transaction and will be rejected.
If the inquiryStatus and inquiryReason field are empty, BCA will consider it a failed transaction and will be rejected.
If virtualAccountName length > 30, channel will display first 30 characters.
If any amount field value > 13.2 digit length, BCA will consider it a failed inquiry and error message will be displayed in channel.
currency of totalAmount and billAmount must be the same. currency field may vary with these values: IDR, USD, SGD
For multi bills transaction, totalAmount field value can be 0, but for non-multi bills transaction totalAmount field value should be total amount of all the detail bills provided.
For non multi bils transaction with single settlement, billDetails is optional. If billDetails available then billSubCompany field in billDetails must match with subCompany field value.
For multi bills and non multi bills transaction with multi settlements,
- billSubCompany & billAmount field is mandatory
- billSubCompany field value must be different for each bill number, used for multiple settlements needs. Product Name and Admin Fee from subCompany 00000 would be used and shown in channel.
billNo and billDescription field value are defined by co-partner and will be displayed in BCA channel’s screen
subCompany and billSubCompany value must be registered in BCA, else transaction will be rejected.
freeTexts field defined by partner and will be displayed in channel's screen. This field must be defined in two languages, The occurences for freeTexts field in inquiry bill should not be greater than 5.
feeAmount field will be ignored. feeAmount will refer to company profile data registered in BCA's system.
virtualAccountTrxType will be ignored. will refer to company profile data (bill type: YV/NV/YF) registered in BCA's system.
billDetails should not be greater than 5
channelCode field may vary with these values based on ISO 18245:
- 6010 = Teller (Financial institutions - manual cash disbursements)
- 6011 = eBanking (Financial institutions - automated cash disbursements)
inquiryRequestId is unique from BCA for each transaction.
the usage of additional info is to be discussed with BCA first.

Expected Response from Partner.

Scenario	responseCode	responseMessage	inquiryStatus
Access Token Invalid	4012401	"Invalid Token (B2B)"	-
Unauthorized . Signature	4012400	"Unauthorized. [Signature]"	-
Unauthorized . stringToSign	4012400	"Unauthorized. [Signature]"	-
Unauthorized . Unknown Client	4012400	"Unauthorized. [Unknown client]"	-
Missing Mandatory Field {} …, etc	4002402	"Invalid Mandatory Field {........}"	01
Invalid Field Format {} .., etc	4002401	"Invalid Field Format {........}"	01
Cannot use the same X-EXTERNAL-ID	4092400	"Conflict"	01
Input no Virtual Account Valid	2002400	"Success"	01
Input no Virtual Account Valid sudah lunas	4042414	"Paid Bill"	01
Input no Virtual Account Valid kadaluarsa	4042419	"Invalid Bill/Virtual Account"	01
Input no Virtual Account tidak terdaftar	4042412	"Invalid Bill/Virtual Account [Reason]"	01
Request Parsing Error	4002400	"Bad Request"	01
Response Parsing Error	4002400	"Bad Request"	01

curl –X POST https://copartners.com/openapi/v1.0/transfer-va/inquiry

Request

-H 'CHANNEL-ID':'95231'
-H 'X-PARTNER-ID': '12345'
-d '
{
	"partnerServiceId": " 12345",
	"customerNo": "123456789012345678",
	"virtualAccountNo": " 12345123456789012345678",
	"trxDateInit": "2022-02-12T17:29:57+07:00",
	"channelCode": 6011,
	"inquiryRequestId": "202202110909311234500001136962"
}'

Response

Sample for single settlement (non multi bills) transaction:

{
	"responseCode": "2002400",
	"responseMessage": "Successful",
	"virtualAccountData": 
	{
		"inquiryStatus": "00",
		"inquiryReason": {
			"english": "Success",
			"indonesia": "Sukses"
		},
		"partnerServiceId": " 12345",
		"customerNo": "123456789012345678",
		"virtualAccountNo": " 12345123456789012345678",
		"virtualAccountName": "Jokul Doe",
		"inquiryRequestId": "202202110909314440200001136962",
		"totalAmount": {
			"value": "100000.00",
			"currency": "IDR"
		},
		"subCompany": "00000",
		"billDetails": [
		{
			"billNo": "123456789012345678",
			"billDescription": {
				"english": "Maintenance",
				"indonesia": "Pemeliharaan"
			},
			"billSubCompany": "00000",
			"billAmount": {
				"value": "100000.00",
				"currency": "IDR"
			}
		}],
		"freeTexts": [
		{
			"english": "Free text",
			"indonesia": "Tulisan bebas"
		}],
		"virtualAccountTrxType": "1",
		"feeAmount": {
			"value": "",
			"currency": ""
		},
		"additionalInfo": {
			"additionalInfo1": {
				"label": {
					"indonesian": "Unit",
					"english": "Unit"
				},
				"value": {
					"indonesian": "10C",
					"english": "10C"
				}
			},
			"additionalInfo2": {
				"label": {
					"indonesian": "Bulan",
					"english": "Month"
				},
				"value": {
					"indonesian": "Januari",
					"english": "January"
				}
			}
		}
	}
}

Sample for multi settlement (non multi bills/multi bills) transaction:

{
	"responseCode": "2002400",
	"responseMessage": "Successful",
	"virtualAccountData": 
	{
		"inquiryStatus": "00",
		"inquiryReason": 
		{
			"english": "Success",
			"indonesia": "Sukses"
		},
		"partnerServiceId": " 12345",
		"customerNo": "123456789012345678",
		"virtualAccountNo": " 12345123456789012345678",
		"virtualAccountName": "Jokul Doe",
		"inquiryRequestId": "202202110909314440200001136962",
		"totalAmount": 
		{
			"value": "100000.00",
			"currency": "IDR"
		},
		"subCompany": "",
		"billDetails": [
		{
			"billNo": "123456789012345678",
			"billDescription": 
			{
				"english": "Maintenance",
				"indonesia": "Pemeliharaan"
			},
			"billSubCompany": "00000",
			"billAmount": 
			{
				"value": "50000.00",
				"currency": "IDR"
			}
		},
		{
			"billNo": "223456789012345678",
			"billDescription": 
			{
				"english": "Electricity",
				"indonesia": "Listrik"
			},
			"billSubCompany": "00001",
			"billAmount": 
			{
				"value": "20000.00",
				"currency": "IDR"
			}
		},
		{
			"billNo": "323456789012345678",
			"billDescription": {
				"english": "Water",
				"indonesia": "Air"
			},
			"billSubCompany": "00002",
			"billAmount": {
				"value": "30000.00",
				"currency": "IDR"
			}
		}
		],
		"freeTexts": [
		{
			"english": "Free text",
			"indonesia": "Tulisan bebas"
		}],
		"virtualAccountTrxType": "1",
		"feeAmount": {
			"value": "",
			"currency": ""
		},
		"additionalInfo": {
			"additionalInfo1": {
				"label": {
					"indonesian": "Unit",
					"english": "Unit"
				},
				"value": {
					"indonesian": "10C",
					"english": "10C"
				}
			},
			"additionalInfo2": {
				"label": {
					"indonesian": "Bulan",
					"english": "Month"
				},
				"value": {
					"indonesian": "Januari",
					"english": "January"
				}
			}
		}
	}
}

2. SNAP Virtual Account Inquiry Status

This service is used to VA Payment Status.

This feature is not yet available to be accessed via Sandbox.

Additional Headers:

Field	Params Type	Data Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Y	Channel’ Identifier using WSID Virtual Account (95231)
X-PARTNER-ID	Header	String(32)	Y	Partner ID using Company Code VA
X- EXTERNAL -ID	Header	String(36)	Y	Reference number that should be unique in the same day

Payload:

Field	Data Type	Mandatory	Description
partnerServiceId	String (8)	Y	Derivative of X-PARTNER-ID, similar to company code, 8 digit left padding space “ “
customerNo	String (20)	Y	Unique number (up to 20 digits)
virtualAccountNo	String (28)	Y	partnerServiceId (8 digit left padding space “ “) + customerNo (up to 20 digit)
paymentRequestId	String (128)	N	Unique identifier from Payment generated by BCA.

Result of the request will contains following information:

Response:

Field	Data Type	Mandatory	Description
responseCode	String (7)	Y	Response code
responseMessage	String (150)	Y	Response description
virtualAccountData	Object	Y
paymentFlagReason	Object	N	Reason for Payment Status multi language
english	String (200)	N	Reason for inquiry status in English
indonesia	String (200)	N	Reason for inquiry status in Bahasa
partnerServiceId	String (8)	Y	Derivative of XPARTNER-ID, similar to company code, 8 digit left padding space “ “
customerNo	String (20)	Y	Unique number (up to 20 digit)
virtualAccountNo	String (28)	Y	partnerServiceId (8 digit left padding space “ “) + customerNo (up to 20 digit)
inquiryRequestId	String (128)	Y	Unique identifier from Inquiry
paymentRequestId	String (128)	C	Unique identifier for this Payment from BCA. Mandatory if payment happened.
paidAmount	Array of Objects	N
value	String (16.2) ISO 4217	Y	Paid amount with 2 decimal
currency	String (3)	Y	Currency
totalAmount	Object	N	-
value	String (16.2) ISO 4217	Y	Transaction Amount. Total Amount from Inquiry with 2 decimal
currency	String (3)	Y	Currency
transactionDate	Date (25)	N	Payment datetime when the payment happened
referenceNo	String (15)	N	Payment auth code generated by BCA
paymentFlagStatus	String (2)	N	Status for Payment Flag
billDetails	Array of Objects	N	Array with maximum 24 Objects
billNo	String (18)	N	Bill number from Partner
billDescription	Object	N	Bill Description
english	String (18)	N	Bill Description in English
indonesia	String (18)	N	Bill Description in Bahasa
billSubCompany	String (5)	N	Partner’s product code
billAmount	Object	N	Nominal inputted by Customer with 2 decimal
value	String (16.2) ISO 4217	Y	Transaction Amount. Total Amount from Inquiry with 2 decimal
currency	String (3)	Y	Currency
billReferenceNo	Numeric (15)	N	Bill auth code generated by BCA
status	String (2)	N	Payment status for specific Bill
reason	Object	N	Reason for Payment Status for specific Bill multi language
english	String (64)	N	Reason for Payment Status for specific Bill in English
indonesia	String (64)	N	Reason for Payment Status for specific Bill in Bahasa

Note :

Inquiry payment status can only be requested if the payment flag transaction has been made.
The available payment (transaction) status are D-day and D-1 transaction.
The key for inquiry payment status can either be
- partnerServiceId + customerNo
- virtualAccountNo
- paymentRequestId
If all keys are filled in, then the payment status will be enquired based on the paymentRequestID.
If using partnerServiceId + customerNo or virtualAccountNo as the key, then the payment status will be enquired based on the most recent transaction using that partnerServiceId + customerNo or virtualAccountNo.
The final status of payment flag is not determined by responseCode and responseMessage.
Status for payment flag will be defined in paymentFlagStatus and paymentFlagReason field.

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
400	4002600	Bad Request
400	4002601	Invalid Field Format {field name}
400	4002602	Invalid Mandatory Field {field name}
401	4012600	Unauthorized. [Reason]
401	4012601	Invalid token (B2B)
404	4042601	Transaction Not Found
500	5002600	Internal Server Error
504	5042600	Timeout

curl –X POST https://sandbox.bca.co.id/openapi/v1.0/transfer-va/status

Request

-H 'CHANNEL-ID':'95231'
-H 'X-PARTNER-ID': '12345’
-H 'X-EXTERNAL-ID': '123456789012345678901234567890123456’
-d '
{
	"partnerServiceId":" 12345",
	"customerNo":123456789012345678,
	"virtualAccountNo":" 12345123456789012345678",
       "paymentRequestId":"202202111031031234500001136962",
}'

Response

"Sample for single settlement (non multi bills) transaction:"

{
	"responseCode": "2002600",
	"responseMessage": "Success",
	"virtualAccountData": {
		"paymentFlagStatus": "00",
		"paymentFlagReason": {
			"indonesia": "BERHASIL",
			"english": "SUCCESS"
		},
		"partnerServiceId": " 12345",
		"customerNo": "123456789012345678",
		"virtualAccountNo": " 12345123456789012345678",
		"inquiryRequestId": "202202111031031234500001136962",
		"paymentRequestId": "202202111031031234500001136962",
		"paidAmount": {
			"value": "100000.00",
			"currency": "IDR"
		},
		"totalAmount": {
			"value": "100000.00",
			"currency": "IDR"
		},
		"transactionDate": "2022-02-11T10:16:04+07:00",
		"referenceNo": "00113696201",
		"billDetails": [
		{
			"billNo": "123456789012345678",
			"billDescription": {
				"english": "Maintenance",
				"indonesia": "Pemeliharaan"
			},
			"billSubCompany": "00000",
			"billAmount": {
				"value": "100000.00",
				"currency": "IDR"
			},
			"additionalInfo": {
				"value": ""
			},
			"billReferenceNo": "00113696201",
			"status": "00",
			"reason": {
				"english": "Success",
				"indonesia": "Sukses"
			}
		}
		],
	}
}

Sample for multi settlement (non multi bills/multi bills) transaction:
{
	"responseCode": "2002600",
	"responseMessage": "Success",
	"virtualAccountData": {
		"paymentFlagStatus": "00",
		"paymentFlagReason": {
			"indonesia": "BERHASIL",
			"english": "SUCCESS"
		},
		"partnerServiceId": " 12345",
		"customerNo": "123456789012345678",
		"virtualAccountNo": " 12345123456789012345678",
		"inquiryRequestId": "202202111031031234500001136962",
		"paymentRequestId": "202202111031031234500001136962",
		"paidAmount": {
			"value": "100000.00",
			"currency": "IDR"
		},
		"totalAmount": {
			"value": "100000.00",
			"currency": "IDR"
		},
		"transactionDate": "2022-02-11T10:16:04+07:00",
		"referenceNo": "",
		"billDetails": [
		{
			"billNo": "123456789012345678",
			"billDescription": {
				"english": "Maintenance",
				"indonesia": "Pemeliharaan"
			},
			"billSubCompany": "00000",
			"billAmount": {
				"value": "50000.00",
				"currency": "IDR"
			},
			"additionalInfo": {
				"value": ""
			},
			"billReferenceNo": "00113696201",
			"status": "00",
			"reason": {
				"english": "Success",
				"indonesia": "Sukses"
			}
		},
		{
			"billNo": "223456789012345678",
			"billDescription": {
				"english": "Electricity",
				"indonesia": "Listrik"
			},
			"billSubCompany": "00001",
			"billAmount": {
				"value": "20000.00",
				"currency": "IDR"
			},
			"additionalInfo": {
				"value": ""
			},
			"billReferenceNo": "00213696201",
			"status": "00",
			"reason": {
				"english": "Success",
				"indonesia": "Sukses"
			}
		},
		{
			"billNo": "323456789012345678",
			"billDescription": {
				"english": "Water",
				"indonesia": "Air"
			},
			"billSubCompany": "00002",
			"billAmount": {
				"value": "30000.00",
				"currency": "IDR"
			},
			"additionalInfo": {
				"value": ""
			},
			"billReferenceNo": "00313696201",
			"status": "00",
			"reason": {
				"english": "Success",
				"indonesia": "Sukses"
			}
		}
		],
	}
}

This service is used to VA Payment Flag.

This feature is not yet available to be accessed via Sandbox.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)		Y	Channel’ Identifier using WSID BCA Virtual Account (95231)
X-PARTNER-ID	Header	String(32)		Y	Partner ID using Company Code VA
X-EXTERNAL-ID	Header	String (36)		Y	Numeric String. Reference number that should be unique in the same day

Payload:

Field	Data Type	Mandatory	Description
partnerServiceId	String (8)	Y	Derivative of X-PARTNER-ID, similar to company code, 8 digit left padding space “ “
customerNo	String (20)	Y	Unique number (up to 20 digits)
virtualAccountNo	String (28)	Y	partnerServiceId (8 digit left padding space “ “) + customerNo (up to 20 digit)
virtualAccountName	String (255)	N	Customer name
paymentRequestId	String (128)	Y	Unique identifier generated by BCA. If payment comes from the Inquiry process, this value must be the same with inquiryRequestId.
channelCode	Numeric (4)	N	Channel code based on ISO 18245
hashedSourceAccountNo	String (32)	N	Optional. Source account number in hash
sourceBankCode	String (3)	N	Optional. Source account bank code
paidAmount	Object	Y	-
value	String (16.2) ISO 4217	Y	Paid Amount with 2 decimal
currency	String (3)	Y	Currency
referenceNo	String (64)	N	Payment auth code generated by BCA
flagAdvise	String (1)	N	Status is this a retry notification. (Default value: N)
subCompany	String (5)	N	Sub Company code generated by Partner
billDetails	Array of Objects	N	Array with maximum 24 Objects
billNo	String (18)	N	From Inquiry Response
billDescription	JSON Object	N	From Inquiry Response
english	String (18)	N	From Inquiry Response
indonesia	String (18)	N	From Inquiry Response
billSubCompany	String (5)	N	From Inquiry Response
billAmount	Objects	N
value	String (16.2) ISO 4217	Y	Transaction Amount. From Inquiry Response
currency	String (3)	Y	Currency
billReferenceNo	Numeric (15)	N	From Inquiry Response
additionalInfo	Object	N	Optional. Additional information for custom user.

Note :

totalAmount field value will be same with totalAmount field value returned from partner when BCA do inquiry list of bils.
paymentRequestID corresponds to inquiryRequestID for each transaction (one pair of inquiry and payment)
paymentRequestID is the same value with inquiryRequestID from BCA for each transaction.
paidAmount field value will be total amount paid by customer through BCA.
For multi bills transaction, paidAmount field value might be different with totalAmount field value. For non multi bills transaction, paidAmount field value will be same with totalAmount field value.
currency must be same for totalAmount, billAmount, and paidAmount. currency field may vary with these values: IDR, SGD, USD.
For multi bills and non multi bills transaction with multi settlements,
- billSubCompany field is mandatory.
- billSubCompany field value must be different for each bill number and billReferenceNo field value will be different for each bill number. referenceNo and subCompany field value will be blank for multi settlement transaction. Transaction would be settled according to each billSubCompany field value.
flagAdvice field may vary with these values: N= new request for payment flag; Y= advice request (retry flag) for payment flag.
billDetails should not be more than 5. BCA will returns only bills that customer choose to pay in payment flag request to partner.
channelCode field may vary with these values :
- 6010 = Teller (Financial institutions - manual cash disbursements)
- 6011 = eBanking (Financial institutions - automated cash disbursements)

Result of the request will contains following information:

Response:

Field	Data Type	Mandatory	Description
responseCode	String (7)	Y	Mandatory In BCA. Response code from Partner, refer to Appendix for list of response code
responseMessage	String (150)	Y	Mandatory in BCA. Response message from Partner, refer to Appendix for list of response code
virtualAccountData	Object	Y
paymentFlagReason	Object	N	Mandatory in BCA. Reason for Payment Status multi language
english	String (200)	N	Reason for inquiry status in English
indonesia	String (200)	N	Reason for inquiry status in Bahasa
partnerServiceId	String (8)	Y	Mandatory in BCA. Derivative of XPARTNER-ID, similar to company code, 8 digit left padding space “ “
customerNo	String (20)	Y	Mandatory in BCA. Unique number (up to 20 digit)
virtualAccountNo	String(28)	Y	Mandatory in BCA. partnerServiceId (8 digit left padding space “ “) + customerNo (up to 20 digit)
virtualAccountName	String (255)	Y	Mandatory in BCA. Customer name
paymentRequestId	String (128)	Y	Mandatory in BCA. Payment request id from request payload
paidAmount	Object	N	Mandatory in BCA.
value	String (16.2) ISO 4217	Y	Transaction Amount. From Payment Request
currency	String (3)	Y	Currency
totalAmount	Object	N	Mandatory in BCA.
value	String (16.2) ISO 4217	Y	Transaction Amount. From Payment Request
currency	String (3)	Y	Currency
trxDateTime	Date (25)	N	Mandatory in BCA. From Payment Request
referenceNo	String (15)	N	From Payment Request
paymentFlagStatus	String (2)	N	Mandatory in BCA. Status for Payment Flag from Partner
billDetails	Array of Objects	N	Array with maximum 24 Objects
billerReferenceId	String (64)	N	From Inquiry Response
billNo	String (18)	N	From Inquiry Response
billDescription	Object	N	From Inquiry Response
english	String (18)	N	From Inquiry Response
indonesia	String (18)	N	From Inquiry Response
billSubCompany	String (5)	N	From Inquiry Response
billAmount	Array of Objects	N	From Inquiry Response
value	String (16.2) ISO 4217	Y	Transaction Amount. From Payment Request
currency	String (3)	Y	Currency
additionalInfo	Object	N	Additional Information for custom use in each bill. Refer to Appendix C for complete list of additionalInfo for Virtual Account
status	String (2)	N	Payment status for specific Bill
reason	Object	N	Reason for Payment Status for specific Bill multi language
english	String (64)	N	Reason for Payment Status for specific Bill in English
indonesia	String (64)	N	Reason for Payment Status for specific Bill in Bahasa
freeTexts	Array of Objects	N	Optional. Array with maximum 9 Objects
english	String (32)	N	Will be shown in Channel
indonesia	String (32)	N	Will be shown in Channel
additionalInfo	Object	N	Additional Information for custom use. Refer to Appendix C for complete list of additionalInfo for Virtual Account

Note :

The final status of payment flag response is not determined by responseCode and responseMessage.
Status for payment flag will be defined in paymentFlagStatus and paymentFlagReason field to be displayed to channel's screen. This field may vary with these values:
00 = success payment flag
01 = Reject payment flag by partner, partner must defined reason for this status in paymentFlagReason field values in two languages.
02 = Timeout payment flag between switcher to partner. If company's reconciliation type are reversal or force settle, transaction with status 02 will be considered as success transaction. (payment flag status other than 00,01,02 will be considered as 01)
BCA will continue to check the paymentFlagStatus and paymentFlagReason field if the responseCode received is 2002500 and 2022500.
If the response code is not either 2002500 or 2022500, BCA will consider the response as failed transaction and will be rejected.
For responseCode, paymentFlagStatus and status inside billdetail, this is condition for timeout :

responseCode	paymentFlagStatus	status inside billdetail	Final Status
N	N	N	Timeout
N	Y	Y	Timeout
Y (Success)	N	N	Timeout
Y (Failed)	N	N	Failed

If the paymentFlagStatus and paymentFlagReason field are empty, BCA will be treated as a timeout condition.
For multi bills and non multi bills transaction with multi settlement, billSubCompany field value must be different for each bill number. paymentFlagStatus field shows the final status for all bills. Status and reason defined in billDetails must be the same for all bills, and also contain the same status and reason as paymentFlagStatus and paymentFlagReason field.
If virtualAccountName length is greater than 30, then only first 30 character will be displayed on channel's screen
totalAmount field value will be same with totalAmount field value returned from partner when BCA do inquiry list of bills.
paymentRequestID is the same value with inquiryRequestID from BCA for each transaction.
paidAmount field value will be total amount paid by customer through BCA.
For multi bills transaction, paidAmount field value might be different with totalAmount field value. For non multi bills transaction, paidAmount field value will be same with totalAmount field value.
currency must be same for totalAmount, billAmount, and paidAmount. currency field may vary with these values: IDR, SGD, USD.
freeTexts field defined by partner and will be displayed in channel's screen. This field must be defined in two languages. The occurences of freeTexts field in payment flag should not be greater than 9
If a system error occurs and causing BCA to send double flagging request with the same X-EXTERNAL-ID and paymentRequestId, then partner can send responseCode
"4042518" and responseMessage "Inconsistent Request", with paymentFlagStatus and paymentFlagReason according to the results of the first request
If BCA sends a flagging request with the same X-EXTERNAL-ID but a different paymentRequestId, then partner can send responseCode "4092500" and responseMessage "Conflict".

Expected Response from Partner.

Scenario	responseCode	responseMessage	paymentFlagStatus
Access Token Invalid	4012501	"Invalid Token (B2B)"	-
Unauthorized . Signature	4012500	"Unauthorized. [Signature]"	-
Unauthorized . stringToSign	4012500	"Unauthorized. [Signature]"	-
Unauthorized . Unknown Client	4012500	"Unauthorized. [Unknown client]"	-
Missing Mandatory Field {} …, etc	4002502	"Invalid Mandatory Field {........}"	01
Invalid Field Format {} .., etc	4002501	"Invalid Field Format {........}"	01
Cannot use the same X-EXTERNAL-ID	4092500	"Conflict"	01
Input no Virtual Account Valid	2002500	"Success"	00
Input no Virtual Account Valid sudah lunas	4042514	"Bill has been paid"	01
Duplicate XEXTERNAL-ID and paymentRequestId	4042518	"Inconsistent Request"	00/01
Input no Virtual Account Valid kadaluarsa	4042519	"Invalid Bill/Virtual Account"	01
Input no Virtual Account tidak terdaftar	4042512	"Invalid Bill/Virtual Account [Reason]"	01
Request Parsing Error	4002500	"Bad Request"	01
Request Parsing Error	4002500	"Bad Request"	01

curl –X POST https://copartners.com/openapi/v1.0/transfer-va/payment

Request

-H 'CHANNEL-ID':'95231'
-H 'X-PARTNER-ID': '12345'
-H 'X-EXTERNAL-ID': '123456789012345678901234567890123456'

-d '
{
	"partnerServiceId": " 12345",
	"customerNo": "123456789012345678",
	"virtualAccountNo": " 12345123456789012345678",
	"virtualAccountName": "Jokul Doe",
	"paymentRequestId": "202202111031031234500001136962",
	"channelCode": 6011,
	"paidAmount": {
		"value": "100000.00",
		"currency": "IDR"
	},
	"referenceNo": "00113696201",
	"flagAdvise": "N",
	"subCompany": "00000",
	"billDetails": [
	{
		"billNo": "123456789012345678",
		"billDescription": {
			"english": "Maintenance",
			"indonesia": "Pemeliharaan"
		},
		"billSubCompany": "00000",
		"billAmount": {
			"value": "100000.00",
			"currency": "IDR"
		},
		"additionalInfo": {
			"value": "Test Additional Data"
		},
		"billReferenceNo": "00113696201"
	}
	]
}'

Sample for multi settlement (non multi bills/multi bills) transaction:

-H 'CHANNEL-ID':'95231'
-H 'X-PARTNER-ID': '12345'
-H 'X-EXTERNAL-ID': '123456789012345678901234567890123456'

-d '
{
	"partnerServiceId": " 12345",
	"customerNo": "123456789012345678",
	"virtualAccountNo": " 12345123456789012345678",
	"virtualAccountName": "Jokul Doe",
	"paymentRequestId": "202202111031031234500001136962",
	"channelCode": 6011,
	"hashedSourceAccountNo": "",
	"sourceBankCode": "014",
	"paidAmount": {
		"value": "100000.00",
		"currency": "IDR"
	},
	"cumulativePaymentAmount": null,
	"paidBills": "",
		"totalAmount": {
		"value": "100000.00",
		"currency": "IDR"
	},
	"trxDateTime": "2022-02-12T17:29:57+07:00",
	"referenceNo": "",
	"flagAdvise": "N",
	"subCompany": "",
	"billDetails": [
	{
		"billNo": "123456789012345678",
		"billDescription": {
			"english": "Maintenance",
			"indonesia": "Pemeliharaan"
		},
		"billSubCompany": "00000",
		"billAmount": {
			"value": "50000.00",
			"currency": "IDR"
		},
		"additionalInfo": {
			"value": "Additional Data 1"
		},
		"billReferenceNo": "00113696201"
	},
	{
		"billNo": "223456789012345678",
		"billDescription": {
			"english": "Electricity",
			"indonesia": "Listrik"
		},
		"billSubCompany": "00001",
		"billAmount": {
			"value": "20000.00",
			"currency": "IDR"
		},
		"additionalInfo": {
			"value": "Additional Data 2"
		},
		"billReferenceNo": "00213696201"
	},
	{
		"billNo": "323456789012345678",
		"billDescription": {
			"english": "Water",
			"indonesia": "Air"
		},
		"billSubCompany": "00002",
		"billAmount": {
			"value": "30000.00",
			"currency": "IDR"
		},
		"additionalInfo": {
			"value": "Additional Data 3"
		},
		"billReferenceNo": "00313696201"
	}
	],
}'

Response

{
	"responseCode": "2002500",
	"responseMessage": "Successful",
	"virtualAccountData": {
		"paymentFlagReason": {
			"english": "Success",
			"indonesia": "Sukses"
		},
		"partnerServiceId": " 12345",
		"customerNo": "123456789012345678",
		"virtualAccountName": "Jokul Doe",
		"paymentRequestId": "202202111031031234500001136962",
		"paidAmount": {
			"value": "100000.00",
			"currency": "IDR"
		},
		"totalAmount": {
			"value": "100000.00",
			"currency": "IDR"
		},
		"trxDateTime": "2022-02-12T17:29:57+07:00",
		"referenceNo": "00113696201",
		"paymentFlagStatus": "00",
		"billDetails": [
		{
			"billerReferenceId": "00113696201",
			"billNo": "123456789012345678",
			"billDescription": {
				"english": "Maintenance",
				"indonesia": "Pemeliharaan"
			},
			"billSubCompany": "00000",
			"billAmount": {
				"value": "100000.00",
				"currency": "IDR"
			},
			"additionalInfo": {},
			"status": "00",
			"reason": {
				"english": "Success",
				"indonesia": "Sukses"
			}
		}
		],
	}
	"additionalInfo": 
	{
		"additionalInfo1": 
		{
			"label": 
			{
				"indonesian": "Unit",
				"english": "Unit"
			},
			"value": 
			{
				"indonesian": "10C",
				"english": "10C"
			}
		},
		"additionalInfo2": 
		{
			"label": 
			{
				"indonesian": "Bulan",
				"english": "Month"
			},
			"value": 
			{
				"indonesian": "Januari",
				"english": "January"
			}
		}
	}
}


Sample for multi settlement (non multi bills/multi bills) transaction:

{
	"responseCode": "2002500",
	"responseMessage": "Successful",
	"virtualAccountData": {
		"paymentFlagReason": {
			"english": "Success",
			"indonesia": "Sukses"
		},
		"partnerServiceId": " 12345",
		"virtualAccountNo": " 12345123456789012345678",
		"virtualAccountName": "Jokul Doe",
		"paymentRequestId": "202202111031031234500001136962",
		"paidAmount": {
			"value": "100000.00",
			"currency": "IDR"
		},
		"totalAmount": {
			"value": "100000.00",
			"currency": "IDR"
		},
		"trxDateTime": "2022-02-12T17:29:57+07:00",
		"referenceNo": "",
		"paymentFlagStatus": "00",
		"billDetails": [
		{
			"billerReferenceId": "00113696201",
			"billNo": "123456789012345678",
			"billDescription": {
				"english": "Maintenance",
				"indonesia": "Pemeliharaan"
			},
			"billSubCompany": "00000",
			"billAmount": {
				"value": "50000.00",
				"currency": "IDR"
			},
			"additionalInfo": {},
			"status": "00",
			"reason": {
				"english": "Success",
				"indonesia": "Sukses"
			}
		},
		{
			"billerReferenceId": "00213696201",
			"billNo": "223456789012345678",
			"billDescription": {
				"english": "Electricity",
				"indonesia": "Listrik"
			},
			"billSubCompany": "00001",
			"billAmount": {
				"value": "20000.00",
				"currency": "IDR"
			},
			"additionalInfo": {},
			"status": "00",
			"reason": {
				"english": "Success",
				"indonesia": "Sukses"
			}
		},
		{
			"billerReferenceId": "00313696201",
			"billNo": "323456789012345678",
			"billDescription": {
				"english": "Water",
				"indonesia": "Air"
			},
			"billSubCompany": "00002",
			"billAmount": {
				"value": "30000.00",
				"currency": "IDR"
			},
			"additionalInfo": {},
			"status": "00",
			"reason": {
				"english": "Success",
				"indonesia": "Sukses"
			}
		}
		],
	}
	"additionalInfo": 
	{
		"additionalInfo1": 
		{
			"label": 
			{
				"indonesian": "Unit",
				"english": "Unit"
			},
			"value": 
			{
				"indonesian": "10C",
				"english": "10C"
			}
		},
		"additionalInfo2": 
		{
			"label": 
			{
				"indonesian": "Bulan",
				"english": "Month"
			},
			"value": 
			{
				"indonesian": "Januari",
				"english": "January"
			}
		}
	}
}

Transfer to Virtual Account BCA

1. SNAP Virtual Account Inquiry Payment to VA from Intrabank

This service is used to VA transfer BillPresentment.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)		Y	Channel’ Identifier using WSID KlikBCA Bisnis (95051)
X-PARTNER-ID	Header	String(32)		Y	Partner ID using Corporate ID KlikBCA Bisnis
X-EXTERNAL-ID	Header	String (32)		Y	Numeric String. Reference number that should be unique in the same day

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
virtualAccountNo	String (28)	Max	Y	Alphanumeric	Mandatory in BCA. partnerServiceId (8 digit left padding space) + customerNo (up to 20 digit) In BCA, virtualAccountNo max length is 26 (partnerServiceId(8 digits)+customerNo(18 digits)).

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)	Fixed	Y	-	Response code
responseMessage	String (150)	Max	Y	-	Response message description
virtualAccountData	Object		Y
virtualAccountNo	String (28)	Max	Y	Alphanumeric	partnerServiceId (8 digit left padding space) + customerNo (up to 20 digits)
virtualAccountName	String (255)	Max	Y	Alphanumeric	Customer name
totalAmount	Array of Objects		N
value	String (16.2)	Max	Y		Send by BCA. Total amount with 2 decimal In BCA, totalAmount max length is 13.2 digits.
currency	String (3)	Fixed	Y	ISO-4217	Send by BCA. Currency of amount based on ISO 4217
billDetails	Array of Objects		N		Array with maximum 24 Objects
billDescription	Object		N		Send by BCA. Bill Description
english	String (18)	Max	N	Alphanumeric	Send by BCA. Bill Description in English
indonesia	String (18)	Max	N	Alphanumeric	Send by BCA Bill Description in Bahasa
billAmount	Array of Objects		N
value	String (16.2)		N		Send by BCA. Transaction amount. Nominal inputted by Customer with 2 decimal In BCA, billAmount max length is 13.2 digits.
currency	String (3)	Max	Y	ISO-4217	Currency
additionalInfo	String	Max	N	Alphanumeric	Additional information for custom use for each bill
freeTexts	String		N		Send by BCA. Array with maximum 25 objects
english	String (32)	Max	N	Alphanumeric	Will be shown in Channel
indonesia	String (32)	Max	N	Alphanumeric	Will be shown in Channel
virtualAccountTrxType	String (1)	Fixed	N		Type of Virtual Account that send by BCA is the highlighted transaction type. 1. Closed Payment (C): Tagihan muncul, harus dibayar sesuai tagihan (Fixed Bill) 2. Open Payment (O): Tagihan tidak muncul (No Bill) 3. Partial (I): Sisa tagihan 4. Minimum (M): Dibayar hanya sekali dengan nominal minimum namun tidak boleh lebih kecil dari tagihan. 5. Maximum (L): Dibayar hanya sekali, tidak boleh lebih besar dari tagihan, dan tagihan muncul 6. Open Minimum (N): Dibayar berkali2 dengan nominal minimum namun tidak boleh lebih kecil dari tagihan dan muncul tagihannya. 7. Open Maximum (X): Dibayar berkali2 dengan nominal maksimum (cumulative) namun tidak boleh lebih besar dari tagihan dan muncul tagihannya. 8. Bill Variable (V): Bisa dibayar sekail, bisa lebih besar / lebih kecil dari tagihan, dan tagihan muncul. 9. Multi Bill Variable (W)
feeAmount	Array of Object		N
value	String (16.2)	Max	Y		Send by BCA. Nominal inputted by customer with 2 decimal. In BCA, totalAmount max length is 13.2 digits.
currency	String (3)	Fixed	Y	ISO-4217	Currency
productName	String (30)	Max	N	Alphanumeric	Send by BCA. Product category

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
400	4003200	Bad request
400	4003201	Invalid Field Format {field name}
400	4003202	Invalid Mandatory Field {field name}
401	4013200	Invalid token (B2B)
401	4013201	Unauthorized. [Reason]
403	4033201	Feature Not Allowed
404	4043212	Invalid Bill
404	4043214	Paid Bills
409	4093211	Conflict
429	4293200	Too Many Requests
500	5003200	General Error
500	5003200	Internal Server Error
504	5043200	Timeout

curl –X POST https://sandbox.bca.co.id/openapi/v1.0/transfer-va/inquiry-intrabank

Request

-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': '1234567890'
-H 'X-EXTERNAL-ID': '41807553358950093184162180797837'
-d '
{
	"virtualAccountNo" : " 8899912345678901234567890",
	"amount" : {
		"value" : "50000.00",
		"currency" : "IDR"
	}
}'

Response

{
	"responseCode": "2003200",
	"responseMessage": "Successful",
	"virtualAccountData": {
		"virtualAccountNo": "0008889912345678901234567890",
		"virtualAccountName": "Jokul Doe",
		"totalAmount": {
			"value" : "88000.00",
			"currency" : "IDR"
		},
		"billDetails": [
		{
			"billDescription": {
				"english": "Maintenance",
				"indonesian": "Pemeliharaan"
			},
			"billAmount": {
				"value" : "88000.00",
				"currency" : "IDR"
			}
		}
		],
		freeTexts": [
		{
			"english": "Free text",
			"indonesia": "Tulisan bebas"
		}
		],
		"virtualAccountTrxType": "C",
		"feeAmount": {
			"value" : "1000.00",
			"currency" : "IDR"
		},
		"productName": "OVO"
	}
}

2. SNAP Virtual Account Notification Payment to VA from Intrabank

This service is used to Notification VA transfer.

Additional Headers:

Field	Params Type	Data Type	Mandatory	Format	Description
CHANNEL-ID	Header	String(5)	Y	95051	Channel’ Identifier using WSID KlikBCA Bisnis (95051)
X-PARTNER-ID	Header	String(32)	Y	-	Partner client id using KlikBCA Bisnis’s Corporate ID
X-EXTERNAL-ID	Header	String(32)	Y	Alphanumeric	Numeric String. Reference number that should be unique in the same day

Payload:

Field	Data Type	Mandatory	Format	Description
virtualAccountNo	String (28)	Y	Alphanumeric	Send by BCA. partnerServiceId (8 digit left padding space) + customerNo (up to 20 digits) In BCA, virtualAccountNo max length is 26 (partnerServiceId (8 digits) + customerNo (18 digits)).
partnerReferenceNo	String (128)	Y	-	Send by BCA. Unique identifier for this Payment. Generated by Partner. In BCA, partnerReferenceNo max length is 64 digits.
trxDateTime	Date (25)	N	-	Send by BCA. PJP internal system datetime with timezone, which follows the ISO-8601 standard
paymentStatus	String (20)	N	Alphanumeric	Send by BCA. Status of payment request
paymentFlagReason	Objects	N	-	Reason for Payment Status multi language
english	String (200)	N	Alphanumeric	Send by BCA. Reason for Payment Status in English
indonesia	String (200)	N	Alphanumeric	Send by BCA. Reason for Payment Status in Bahasa

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)	Fixed	Y	-	Response code
responseMessage	String (150)	Max	Y	-	Response description
virtualAccountData	Object		Y
virtualAccountNo	String (28)	Max	Y	Alphanumeric	Mandatory in BCA according to request input. partnerServiceId (8 digit left padding space) + customerNo (up to 20 digits). In BCA, virtualAccountNo max length is 26 (partnerServiceId (8 digits) + customerNo (18 digits)).
partnerReferenceNo	String (128)	Max	Y	-	Mandatory in BCA according to request input. From Payment request

The following structure should be returned only when not-success with additional related HTTP status of the response if applicable.
The copartners define the responseCode by themselves. For the multi-languageresponseMessage, it allowed to use same value if multi-language are not possible

{
"responseCode" : "Error Code",
"responseMessage" : "Error Message",
"virtualAccountData":
{
"virtualAccountNo": "",
"partnerReferenceNo": ""
}
}

curl –X POST https://copartners.com/openapi/v1.0/transfer-va/notify-payment-intrabank

Request

-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': 'KBCABCINDO'
-H 'X-EXTERNAL-ID': '41807553358950093184162180797837'
-d '
{
	"virtualAccountNo": " 8889912345678901234567890",
	"partnerReferenceNo": "12345678",
	"trxDateTime": "2020-12-21T10:30:24+07:00",
	"paymentStatus": "Success",
	"paymentFlagReason": {
		"english": "Success",
		"indonesia": "Sukses"
	}
}'

Response

{
	"responseCode": 2003400,
	"responseMessage": "Successful",
	"virtualAccountData": {
		"virtualAccountNo": " 8889912345678901234567890",
		"partnerReferenceNo": "12345678"
	}
}

3. SNAP Virtual Account Payment to VA from Intrabank

This service is used to VA transfer.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Format	Description
CHANNEL-ID	Header	String(5)	Fixed	Y	95051	Channel’ Identifier using WSID KlikBCA Bisnis (95051)
X-PARTNER-ID	Header	String(32)	Max	Y		Partner client id using KlikBCA Bisnis’s WSID (95051)

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
virtualAccountNo	String (28)	Max	Y	Alphanumeric	Mandatory in BCA. partnerServiceId (8 digit left padding space) + customerNo (up to 20 digit) In BCA, virtualAccountNo max length is 26 (partnerServiceId(8 digits)+customerNo(18 digits)).
virtualAccountEmail	String (255)	Max	N	-	Optional BCA Customer email with max length is 255 digits.
sourceAccountNo	String (32)	Max	N	Numeric	Source account number
partnerReferenceNo	String (128)	Max	Y	-	Mandatory in BCA. Unique identifier for this Payment. Generated by PJP
paidAmount	Object		Y
value	String (16.2)	Max	Y		Mandatory in BCA. Paid amount with 2 decimal In BCA, partnerReferen ceNumber max length is 13.2 digits
currency	String (3)	Fixed	Y	ISO-4217	Mandatory in BCA. Currency of amount based on ISO 4217
trxDateTime	Date (25)	Fixed	N	-	Mandatory in BCA. PJP internal system datetime with timezone, which follows the ISO-8601 standard

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)	Fixed	Y	-	Response code
responseMessage	String (150)	Max	Y	-	Response message description
virtualAccountData	Object		Y
virtualAccountNo	String (28)	Max	Y	Alphanumeric	partnerServiceId (8 digit left padding space) + customerNo (up to 20 digits)
virtualAccountName	String (255)	Max	Y	Alphanumeric	Customer name
virtualAccountEmail	String (255)	Max	N		Customer email
sourceAccountNo	String (32)	Max	N	-	Source account number
partnerReferenceNo	String (128)	Max	Y	-	From Payment request
referenceNo	String (128)	Max	N	Numeric	Generated by PJP
paidAmount	Object		N		-
value	String (16.2)	Max	Y		Send by BCA according to the request input. From Payment request with max length (13.2).
currency	String (3)	Fixed	Y	ISO-4217	Send by BCA according to the request input. Currency from Payment request.
paidAmount	Object		N
value	String (16.2)	Max	Y		Send by BCA according to the request input. From Payment request with max length (13.2).
currency	String (3)	Fixed	Y	ISO-4217	Send by BCA. Currency
trxDateTime	Date (25)	Max	N		From Payment Request
billDetails	Array of Objects		N		Array with maximum 24 Objects
billDescription	JSON Object		N		Bill Description
english	String (18)	Max	N	Alphanumeric	Bill Description in English
indonesia	String (18)	Max	N	Alphanumeric	Bill Description in Bahasa
billAmount	Array of Objects		N
value	String (16.2)		N		Send by BCA. Nominal inputted by Customer with 2 decimal In BCA, billAmount max length is (13.2) digits.
currency	String (3)	Max	Y	ISO-4217	Currency
freeTexts	Array of Objects		N	-	From Inquiry response
english	String (32)	Max	N	Alphanumeric	From Inquiry response
indonesia	String (32)	Max	N	Alphanumeric	From Inquiry response
feeAmount	Object		N
value	String (16.2)	Max	Y		Send by BCA. Nominal inputted by customer with 2 decimal. In BCA, totalAmount max length is 13.2 digits.
currency	String (3)	Fixed	Y	ISO-4217	Send by BCA. Currency
productName	String (30)	Max	N	Alphanumeric	Send by BCA. Product category

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
400	4003300	Bad request
400	4003301	Invalid Field Format {field name}
400	4003302	Invalid Mandatory Field {field name}
401	4013300	Unauthorized. [Reason]
401	4013301	Invalid token (B2B)
403	4033301	Feature Not Allowed
403	4033302	Exceeds Transaction Amount Limit
403	4033304	Activity Count Limit Exceeded
404	4043312	Invalid Bill
404	4043314	Paid Bills
409	4093311	Conflict
429	4293300	Too Many Requests
500	5003301	Internal Server Error
500	5003300	General Error
504	5043300	Timeout

curl –X POST https://sandbox.bca.co.id/openapi/v1.0/transfer-va/payment-intrabank

Request

-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': 'KBCABCINDO'
-H 'X-EXTERNAL-ID': '41807553358950093184162180797837'
-d '
{
	"virtualAccountNo": " 8889912345678901234567890",
	"virtualAccountEmail": "john@email.com",
	"sourceAccountNo": "1234567890",
	"partnerReferenceNo": "12345678",
	"paidAmount": {
		"value": "50000.00",
		"currency": "IDR"
	}
	 "trxDateTime": "2020-12-21T10:30:24+07:00"
}'

Response

{
	"responseCode": 2023300,
	"responseMessage": "Request In Progress",
	"virtualAccountData": 
	{
		"virtualAccountNo": "0008889912345678901234567890",
		"virtualAccountName": "Jokul Doe",
		"virtualAccountEmail": "john@email.com",
		"sourceAccountNo": "1234567890",
		"partnerReferenceNo": "12345678",
		"referenceNo": "12345678901234",
		"paidAmount": 
		{
			"value": "55000.00",
			"currency": "IDR"
		},
		"totalAmount": 
		{
			"value": "55000.00",
			"currency": "IDR"
		},
		"trxDateTime": "2020-12-21T10:30:24+07:00",
		"billDetails": [
		{
			"billDescription": 
			{
				"english": "Maintenance",
				"indonesia": "Pemeliharaan"
			},
			"billAmount": [
			{
				"value": "55000.00",
				"currency": "IDR"
			}]
		}],
		"freeTexts": [
		{
			"english": "Free text",
			"Indonesia": "Tulisan bebas"
		}
		],
		"feeAmount": 
		{
			"value": "5000.00",
			"currency": "IDR"
		},
		"productName": "OVO"
	}
}

QRIS MPM

1. SNAP QR MPM Generate QR

This service is used to generate QRIS.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Fixed	Y	Channel’s identifier using EDC’s WSID (95251)
X-PARTNER-ID	Header	String(36)	Max	Y	Unique ID for a partner (MerchantID/ID Partner) - Merchant direct : MerchantID - Merchant Facilitator : ID partner facilitator - Merchant Integrator : ID partner integrator - Merchant Aggregator : ID partner aggregator

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
partnerReferenceNo	String(64)	Max	N	Numeric	Mandatory in BCA. Transaction identifier on service from partner
amount	Object		N		Mandatory in BCA. Net amount of the (exclude convenience fee)
value	String (16.2)	Max	Y	Numeric 10000.00	Length data in BCA = 13.2 BCA will send response amount with format value Numeric (13.2) Example : IDR 10.000,- will be placed with 10000.00
currency	String (3)	Fixed	Y	ISO 4217 IDR	Currency code
merchantId	String (64)	Max	N	Numeric	Mandatory in BCA. Length in BCA data = 9 Merchant ID from BCA - Merchant direct : merchantID - Merchant facilitator : merchantID - Merchant integrator : merchantID - Merchant aggregator : merchantID partner aggregator
subMerchantId	String (32)	Max	N	Alphanumeric	Conditional in BCA submerchantID for Merchant partner aggregator only
terminalId	String (16)	Max	N	Alphanumeric	Mandatory in BCA Terminal ID Length data in BCA = 16 Can be : - TID BCA (merchant integrator/direct) - TID non BCA (merchant aggregator/facilitator)
additionalInfo	Object		N		Additional Information
convenienceFee	String (10.2)	Max	N	Numeric	Convenience fee or tips
partnerMerchantType	String (4)	Max	N	Alphanumeric	Conditional in BCA for Merchant partner only
terminalLocationName	String (25)	Max	N	Alphanumeric	Conditional in BCA Merchant name for Merchant partner aggregator only

Result of the request will contains following information:

Response:

Field	DataType	Length Type	Mandatory	Format	Description
responseCode	String(7)	Fixed	Y	AAABBCC	Error code to identify transaction status (success or failed) Format: AAAABBCC AAA : HTTP Code BB : Service Code CC : Case Code Service Code Generate QRIS : 47 Example : 2004700
responseMessage	String (150)	Max	Y	Alphanumeric	Error message in English Example : successful
referenceNo	String (64)	Max	N	Numeric	Conditional in BCA length data in BCA : 36 Transaction identifier on service provider system (generate by QR server) #created if request generate QR from merchant is valid
partnerReferenceNo	String (64)		N	Numeric	Transaction identifier on service from partner
qrImage	String	Max	N	Alphanumeric	Length = unlimited Encode string (Base64) from QR image QR String MPM #created if generate QR Success only
merchantName	String (25)	Max	N	Alphanumeric	Mandatory in BCA Merchant name for print receipt (outlet name)
terminalId	String (16)		N	Alphanumeric	Mandatory in BCA Length data in BCA : 16 terminalId BCA/non BCA

Error

HTTP Code	Error Code	Error Message
400	4004700	Bad request
400	4004701	Invalid Field Format {field name}
400	4004702	Invalid Mandatory Field {field name}
401	4014700	Unauthorized. [Reason]
401	4014701	Invalid token (B2B)
404	4044708	Invalid Merchant
404	4044701	Transaction Not Found
403	4034706	Feature Not Allowed At This Time
404	4044718	Inconsistent Request [X-PARTNER-ID & merchantID not match]
500	5004700	General Error
500	5004701	Internal Server Error
504	5044700	Timeout

curl –X POST https://sandbox.bca.co.id/openapi/v1.0/qr/qr-mpm-generate

Request

-H 'CHANNEL-ID':'95251'
-H 'X-PARTNER-ID': '1234567890'
-d '
{
 "partnerReferenceNo": "2020102900000000000001",
 "amount": {
 "value": "100000.00",
 "currency": "IDR"
 },
 "merchantId": "23489182303312",
 "subMerchantId": "23489182303312",
 "terminalId": "213141251124",
 "additionalInfo": {
 "convenienceFee": "0.00",
 "partnerMerchantType": "SA",
 "terminalLocationName": "Bakso Malang"
 }
}'

Response

{
	"responseCode": "2004700",
	"responseMessage": "Request has been processed successfully",
	"referenceNo": "2020102977770000000009",
	"partnerReferenceNo": "2020102900000000000001"
	"qrImage":
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		gAQtYwAIWsIAFLGABa068Wh3P1XoDatHUPWtHbfG7FvC0+GPWAlkXUgUWsIAFLGABC1jAAhawumPWYqPpeW
		GG3ocMtd7Jzu7X9DzTqkNzgAUsYAELWMACFrCABSxgAQtYwLofUkd3ghbHGZ658/c+lrA2zj3+gNX+DHpfx
		BdYwAIWsIAFLGABC1jAuilYPU7V0fNwldYX4Dy7H9gSmlYXpa3dbzIPC1jAAhawgAUsYAELWMACFrCABSxg
		1djQzwSr1g5Se/5Zj7ljrZFtvW30/kIGWMACFrCABSxgAQtYwALWsIe5tL6CSu++S4+e35nr8swzjjo0B1j
		AAhawgAUsYAELWMACFrCABSxXzWkNZGt4Wh
		//NuqxhC0+n54Itvgy4KoNeWABC1jAAhawgAUsYAHrhP7J0Q22xtJjY27dPxm1h9Ua59Y9ph4XugUWsIAFL
		GABC1jAAhawgAUsYAELWGM1vlujUev1t/7dmTtx79OxtF5fZ2+LwAIWsIAFLGABC1jAAhawuvfFZtj5z3z8
		3r211j3MFj3G3usPWMACFrCABSxgAQtYwALWUD2znhfxPApprefuufO36CP2/qN3d9iABSxgAQtYwAIWsIA
		FLGABC1jAMg9rTDRanO1y62uu9b5b/64Flq138N7r6yoBFrCABSxgAQtYwAIWsDr1Cno+ZuuLHPS4wGfvnk
		zrPxK1X2OPnh+wgAUsYAELWMACFrCABSxgAQtYwLomWC12zp6A1Lpfz3XZ+upBPY4lrAGRYwmBBSxgAQtYw
		AIWsIAFrFuD1fsiFEfWUYuLeNY6k2jPXmQtJM48dApYwAIWsIAFLGABC1jAAhawgAUsYAHr1Y2mRdO19/GP
		rXFp3bSu9RnX/nzOvFArsIAFLGABC1jAAhawgHVxsHr2EVr0bkbqYfXeyXpCfeZFT8/8wwMsYAELWMACFrC
		ABSxgAQtYwAIWsM4Bq/cpkls3Vs+88nOtpnvvz6fGdlPjD2TvK38DC1jAAhawOiEFLGABC1gqLBGRVlj98N
		XX/wUZWCIyMlbfffHl+/effq7CEpFx8+OHDx+x+umTzz6CpcISkSHzyzfffkQqYQUsERlu6FcOAQMrYInIc
		FClpOZ6DhWwRGSaygpYIjIMVmnJm+trC7BE5NSqKqVsrgNLRIZEa61fBSwRGQ6rLZXV7cDacgxgy+dueb8j
		j7/nGMS1+259zFd+t+X93eX0wFcE61nP6tZgtdjItzzOaGBtXRd7YM9/XuJz9HePcNz6exkXK2Dt3KnXdpy
		1v/rlz5YqkbX7bdnhH91vy+223H8rWHur0EeP+ervnr0PYM0bYFUAa8vOumVnKW+zF5BnsOyFam9Vs/X5Wo
		G1FV5gGRIC60kP7NHOsnabGmBteQ1bh6l70N0ynOsJ1h6gBVi3r7D2DmmODKeO9ppe7Wm1GtrVBuuO1+UzJ
		NR07wJWiyFhDbCO9qXOBusVoEWFNQVYe6Y1PGu6PxsqrQ259jTdnz32M9iOfLu2ZYpBr2kNW6soYKmwRESA
		JSJiSCgiKiwREWCJiCEhsEREhSUiosISEWABS0QMCUVEVFgiosIClogAS0Tk8HDQkFBEVFgics0qp6x4ei/
		AEpFdYKWrLic4zlj2XJMQWCI3T2C1B40zF2CJ3DR7r7oMLBE5ZSg4U1UFLJEbY5UqqxmxApbIjaCaubICls
		jNqqrZ+lXAErkZVCnpm8ArYAUskYvnSlgBS+TCldVVhoHAErlwfvzw4WFzfWbEgCVyocoqLVerqoAlclGsZ
		p+2ACyRG2S2YwKBJXLTyuqKzXVgiVy0sroLVsASmayayv878zGBwBK5CVrPpi0AS0SGyJ2xApbIZEPBO/Wr
		gCUyKVZ3a64DS2RSrO40bQFYIhPnzv0qYIlMlDtOWwCWyIRDwSPX7AOWiHSN5jqwRKaoqmC1Day0roAlAqu
		5wEqzaAMui8XSZ0nN9dSzOrqknThfjtzn6P3OeI0fwQrpLRZLnyUKBNlXjab8GxpTVlC0LW3pAAAAAElFTk
		SuQmCC",
	 "merchantName": "Baso Malang",
	 "terminalId": "213141251124",
}

2. SNAP QR MPM Payment Notify

This service is used to Notification QRIS.

Additional Headers:

Field	Params Type	Data Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Y	Channel’s identifier using EDC’s WSID (95251)
X-PARTNER-ID	Header	String(36)	Y	Unique ID for a partner (MerchantID/ID Partner) - Merchant direct : MerchantID - Merchant Facilitator : ID partner facilitator - Merchant Integrator : ID partner integrator - Merchant Aggregator : ID partner aggregator
X-EXTERNAL-ID	Header	String(36)	Y	ID that should be unique per co-partner per service in the same day

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
originalReferenceNo	String(64)	Max	Y	Numeric	Transaction identifier on service provider system length in BCA: 36
originalPartnerReferenceNo	String(64)	Max	N	Numeric	Mandatory in BCA Transaction identifier on service consumer system (Transction ID partner)
latestTransactionStatus	String (2)	Fixed	Y	Numeric	Mandatory in BCA Transaction Status recorded in DB QR Server 00 - Success : transaction is paid 01 - Initiated 02 - Paying 03 - Pending : transaction is recorded, but still unpaid or inquiry to EAI timeout 04 - Refunded 05 - Canceled 06 - Failed : transaction failed, because QR Expired 07 - Not found This data must be informed on the proof of the transaction provided to the customer
customerNumber	String(64)	Max	N	Numeric	Mandatory in BCA if transaction is successful length in BCA: 19 Buyer card number (customer_pan), will be used to calculate transaction limit. Mandatory if payment requires limit validation (i.e. payment from mBCA) This data must be informed on the proof of the transaction provided to the customer
destinationNumber	String(25)		N	Numeric	Mandatory in BCA if transaction is successful length in BCA: 19 Merchant identifier This data must be informed on the proof of the transaction provided to the customer
destinationAccountName	String(25)		N	Alphanumeric	Mandatory in BCA if transaction is successful merchant name
amount	Object		N		Mandatory in BCA if transaction is successful Net amount of the transaction. (exclude convenience fee) This data must be informed on the proof of the transaction provided to the customer
value	String (16.2)	Max	Y	Numeric 10000.00	Length data in BCA = 13.2 BCA will send response amount with format value Numeric (13.2) Example : IDR 10.000,- will be placed with 10000.00
currency	String (3)		Y	Alphanumeric	Currency code
additionalInfo	Object		N		Mandatory field only if transaction is successful
referenceNumber	String (12)		Y	Alphanumeric	Unique ID for tracing
transactionDate	String (14)		Y	Numeric	Transaction date with format YYYY-MMDDThh:mm:ss.sssTZD Example: 2020-12- 21T10:30:24.000+07:00 This data must be informed on the proof of the transaction provided to the customer
approvalCode	String (6)		Y	Alphanumeric	Approval code from host for success transaction
payerPhoneNumber	String (16)		N	Alphanumeric	Buyer phone number to be shown in both buyer and seller account statement
batchNumber	String(6)		Y	Numeric	Transaction batch number recorded in QRIS Server
convenienceFee	String(10.2)		N	Numeric	Convenience fee or tips This data must be informed on the proof of the transaction provided to the customer
issuerReferenceNumber	String(12)		Y	Numeric	RRN QRIS This data must be informed on the proof of the transaction provided to the custome
payerName	String(30)		N	Alphanumeric	Buyer name This data must be informed on the proof of the transaction provided to the customer
issuerName	String(26)		Y	Alphanumeric	Issuer name This data must be informed on the proof of the transaction provided to the customer
acquirerName	String(3)		Y	Alphanumeric	Acquirer name = BCA This data must be informed on the proof of the transaction provided to the customer
merchantInfo	Array of Object
terminalId	String(8)		Y	Alphanumeric	Terminal ID
merchantId	String(15)		Y	Numeric	Merchant ID in BCA - Merchant direct: merchantID - Merchant facilitator: merchantID - Merchant integrator: merchantID - Merchant aggregator: merchantID partner aggregator
city	String(13)		Y	Alphanumeric	Merchant city
postalCode	String(10)		Y	Numeric	Merchant postal code
country	String(2)		Y	Alphanumeric	Merchant location country
email	String		N	Alphanumeric	Merchant e-mail address
paymentChannelName	String(10)		Y	Alphanumeric	- Sakuku - Debit - Switching - Paylater

Result of the request will contains following information:

Response:

Field	DataType	Length Type	Mandatory	Format	Description
responseCode	String(7)	Fixed	Y	AAABBCC	Error code to identify transaction status (success or failed) Format: AAAABBCC AAA : HTTP Code BB : Service Code CC : Case Code Service Code Notification Payment QRIS : 52 Example: 2005200 Response from copartner
responseMessage	String (150)	Max	Y	Alphanumeric	Error message in English Example : successful

The following structure should be returned only when not-success with additional related HTTP status of the response if applicable.
The copartners define the responseCode by themselves. For the multi-language responseMessage, it allowed to use same value if multi-language are not possible

{
"responseCode" : "Error Code",
"responseMessage" : "Error Message","
additionalInfo ": "null"
}

curl –X POST https://copartners.com/openapi/v1.0/qr-mpm-notify

Request

-H 'CHANNEL-ID':'95251'
-H 'X-PARTNER-ID': '1234567890'
-H 'X-EXTERNAL-ID': '41807553358950093184162180797837'
-d '
{
	"originalReferenceNo": "2020102977770000000009",
	"originalPartnerReferenceNo": "2020102900000000000001",
	"latestTransactionStatus": "00",
	"transactionStatusDesc": "success",
	"customerNumber": "6281388370001",
	"destinationNumber": "8377388292",
	"destinationAccountName": "John Doe",
	"amount": {
		"value": "50000.00",
		"currency": "IDR"
	},
	"additionalInfo": {
		"referenceNumber": "022411000106",
		"transactionDate": "2020-12-23T08:43:11.000+07:00",
		"approvalCode": "ATTRT0",
		"payerPhoneNumber": "08174964450",
		"batchNumber": "000004",
		"convenienceFee": "0.00",
		"issuerReferenceNumber": "000013101",
		"payerName": "DEV Apos",
		"issuerName": "BCA",
		"acquirerName": "BCA",
		"merchantNnfo": {
			"terminalId": "DTESTDRA",
			"merchantId": "00088500033345",
			"city": "JAKARTA PUSAT",
			"postalCode": "10310",
			"country": "ID",
			"email": "null",
			"paymentChannelName": "Sakuku"
		}
	}
}'

Response

{
 "responseCode": "2005200",
 "responseMessage": "Successful",
 "additionalInfo": "null"
}

3. SNAP QR MPM Query Payment

This service is used to inquiry transaction status.

Additional Headers:

Field	Params Type	Data Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Y	Channel’s identifier using EDC’s WSID (95251)
X-PARTNER-ID	Header	String(36)	Y	Unique ID for a partner (MerchantID/ID Partner) - Merchant direct : MerchantID - Merchant Facilitator : ID partner facilitator - Merchant Integrator : ID partner integrator - Merchant Aggregator : ID partner aggregator

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
originalReferenceNo	String(64)	Max	N	Numeric	Mandatory in BCA length data: 36 in BCA Transaction identifier on service provider system (generate by QR Server) Response from API Generate QR
originalPartnerReferenceNo	String(64)	Max	N	Numeric	Mandatory in BCA Transaction identifier on service from partner
serviceCode	String(2)	Fixed	Y	Numeric	Transaction type indicator (service code of the original transaction request) Example: serviceCode query payment QR = 51
merchantId	String(64)	Max	N	Numeric	Mandatory in BCA Length in BCA data = 9 Merchant ID from BCA - Merchant direct: merchantID - Merchant facilitator: merchantID - Merchant integrator: merchantID - Merchant aggregator: merchantID partner aggregator
subMerchantId	String(32)	Max	N	Alphanumeric	Conditional in BCA submerchantID for Merchant partner aggregator only (passthrough from merchant)
additionalInfo	Object		N		Additional Information
partnerMerchantType	String(4)	Max	N	Alphanumeric	Conditional in BCA for Merchant partner only
terminalId	String (16)	Max	Y	Alphanumeric	Mandatory in BCA length data in BCA : 16 Can be : - Terminal ID BCA (merchant integrator / direct) - Terminal ID non BCA (merchant aggregator / facilitator)

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String(7)	Fixed	Y	AAABBCC	Error code to identify transaction status (success or failed) format : AAABBCC AAA : HTTP Code BB : Service Code CC : Case Code Service Code Inquiry Payment QRIS : 51 Example: 2005100
responseMessage	String(150)	Max	Y	Alphanumeric	Error message in English Example: successful
originalReferenceNo	String(64)	Max	N	Numeric	Mandatory in BCA length in BCA: 36 Transaction identifier on service provider system (generate by QR Server
originalPartnerReferenceNo	String(64)	Max	N	Numeric	Mandatory in BCA Transaction identifier on service consumer system (Transction ID partner)
originalExternalId	String(36)	Fixed	N	Numeric	Mandatory in BCA ID that should be unique per co-partner per service in the same day
serviceCode	String(2)	Fixed	Y	Numeric	Transaction type indicator (service code of the original transaction request) Example: serviceCode query payment QR = 51
latestTransactionStatus	String (2)	Fixed	Y	Numeric	Mandatory in BCA Transaction Status recorded in DB QR Server 00 - Success : transaction is paid 01 - Initiated 02 - Paying 03 - Pending : transaction is recorded, but still unpaid or inquiry to EAI timeout 04 - Refunded 05 - Canceled 06 - Failed : transaction failed, because QR Expired 07 - Not found This data must be informed on the proof of the transaction provided to the customer
transactionStatusDesc	String (50)	Max	N	Alphanumeric	Mandatory in BCA Show description of transaction status Example: - Success (transaction Success) - Pending (Unpaid Transaction) - Failed (QR Expired)
paidTime	String (255)	Max	N	YYYY-MMDDThh:mm:ss.sssTZ D	Mandatory in BCA if transaction is successful Transaction date ISO8601 Example: 2020-12- 21T10:30:24.000+07:00 This data must be informed on the proof of the transaction provided to the customer
Amount	Object	N			Mandatory in BCA if transaction is successful "amount": { "value": "10000.00", "currency": "IDR" }
value	String (16.2)	Max	Y	Numeric 10000.00	length in BCA = 13.2 Net amount of the transaction BCA will send response amount with format value Numeric (13.2) Examlple: IDR 10.000,- will be placed with 10000.00
currency	String(3)	Fixed	Y	IDR	Currency code
terminalId	String (16)	Max	N	Alphanumeric	Mandatory in BCA if transaction is successful length data in BCA : 16 Terminal ID BCA/non BCA
additionalInfo	Object		N		Mandatory field only if transaction is successful
referenceNumber	String (12)		Y	Alphanumeric	Unique ID for tracing
approvalCode	String (6)		Y	Alphanumeric	Approval code from host for success transaction
payerPhoneNumber	String (13)		N	Alphanumeric	Buyer phone number to be shown in both buyer and seller account statement
batchNumber	String (6)		Y	Numeric	Transaction batch number recorded in QRIS Server
convenienceFee	String (10.2)		N	Numeric	Convenience fee or tips This data must be informed on the proof of the transaction provided to the customer
customerPan	String (19)		N	Numeric	Buyer card number (customer_pan), will be used to calculate transaction limit. Mandatory if payment requires limit validation (i.e. payment from mBCA) This data must be informed on the proof of the transaction provided to the customer
issuerReferenceNumber	String (12)		Y	Numeric	RRN QRIS This data must be informed on the proof of the transaction provided to the customer
payerName	String (30)		Y	Alphanumeric	Buyer name This data must be informed on the proof of the transaction provided to the customer
issuerName	String (26)		Y	Alphanumeric	Issuer name This data must be informed on the proof of the transaction provided to the customer
acquirerName	String (3)		Y	Alphanumeric	Acquirer name = BCA This data must be informed on the proof of the transaction provided to the customer
merchantInfo	Array of Object				Mandatory in BCA (except field email) if transaction is successful
merchantId	String (64)		Y	Numeric	Mandatory in BCA Length data = 15 in BCA Example: 000 855 MID(9) Merchant ID transaction - Merchant direct : merchantID - merchant facilitator : merchantID - merchant integrator : merchantID - merchant aggregator : merchantID partner aggregator
merchantPan	String (19)		Y	Numeric	Merchant identifier This data must be informed on the proof of the transaction provided to the customer
name	String (25)		Y	Alphanumeric	Merchant name
city	String (13)		Y	Alphanumeric	Merchant city
postalCode	String (10)		Y	Numeric	Merchant postal code
country	String (2)		Y	Alphanumeric	Merchant location country
email	String (30)		N	Alphanumeric	Merchant e-mail address
paymentChannelName	String (10)		Y	Alphanumeric	- Sakuku - Debit - Switching - Paylater

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
400	4005100	Bad request
400	4005101	Invalid Field Format {field name}
400	4005102	Invalid Mandatory Field {field name}
401	4015100	Unauthorized. [Reason]
401	4015101	Invalid token (B2B)
403	4035100	Transaction Expired
403	4035106	Feature Not Allowed At This Time
404	4045108	Invalid Merchant
404	4045101	Transaction Not Found
404	4045118	Inconsistent Request [X-PARTNER-ID & merchantID not match]
500	5005100	General Error
500	5005101	Internal Server Error
504	5045100	Timeout

curl –X POST https://sandbox.bca.co.id/openapi/v1.0/qr/qr-mpm-query

Request

-H 'CHANNEL-ID':'95251'
-H 'X-PARTNER-ID': '1234567890'
-d '
{
	"originalPartnerReferenceNo": "2020102900000000000001",
	"originalReferenceNo": "2020102977770000000009",
	"serviceCode": "51",
	"merchantId": "23489182303312",
	"subMerchantId": "23489182303312",
	"additionalInfo": {
		"terminalId": "213141251124",
		"partnerMerchantType": "SA"
	}
}'

Response

{
	"responseCode": "2005100",
	"responseMessage": "Success",
	"originalPartnerReferenceNo": "2020102900000000000001",
	"originalReferenceNo": "2020102977770000000009",
	"originalExternalId": "30443786930722726463280097920912",
	"serviceCode": "51",
	"latestTransactionStatus": "00",
	"transactionStatusDesc": "Success (transaction Success)",
	"paidTime": "2020-12-23T08:43:11.000+07:00",
	"amount": {
		"value": "50000.00",
		"currency": "IDR"
	},
	"terminalId": "DTESTDRA",
	"additionalInfo": {
		"referenceNumber": "022411000106",
		"approvalCode": "ATTRT0",
		"payerPhoneNumber": "08174964450",
		"batchNumber": "000004",
		"convenienceFee": "0.00",
		"issuerReferenceNumber": "000013101",
		"payerName": "DEV Apos",
		"customerPan": "9360001430000131018",
		"issuerName": "BCA",
		"acquirerName": "BCA",
		"merchantInfo": {
			"merchantId": "000885000333456",
			"merchantPan": "9360001430003334569",
			"name": "FDM DUMMY MAGENTA TOKO",
			"city": "JAKARTA PUSAT",
			"postalCode": "10310",
			"country": "ID",
			"email": null,
			"paymentChannelName": "Sakuku"
		}
	}
}

BCA Shared Biller

1. SNAP Shared Biller Inquiry Payment to VA from Intrabank

This service is used for billing inquiry to biller.

This feature is not yet available to be accessed via Sandbox.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Fixed	Y	Mandatory in BCA. Channel’ Identifier using WSID Shared Biller (95391)
X-PARTNER-ID	Header	String(32)	Max	Y	Mandatory in BCA. Partner ID (Mitra ID)
X-EXTERNAL-ID	Header	String(36)	Max	Y	Mandatory in BCA. Reference number that should be unique in the same day

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
partnerReferenceNo	String (128)	Max	N	Alphanumeric	Mandatory in BCA. Unique identifier for this Payment. Generated by Mitra (channel-transactionID)
virtualAccountNo	String (28)	Max	Y	Alphanumeric	Mandatory in BCA. partnerServiceId (8 digit left padding space) + customerNo (up to 20 digit). In BCA, virtualAccountNo max length is 26 (partnerServiceId(8 digits) + customerNo(18 digits)).
trxDateTime	Date(25)	Max	N	ISO-8601	Mandatory in BCA. Mitra internal system datetime with timezone, which follows the ISO-8601 standard
additionalInfo	Object	-	N	-	Optional in BCA. Additional Information for custom use

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)	Fixed	Y	Numeric	Mandatory in BCA. Response code: HTTP Code + Service Code + Case Code
responseMessage	String (150)	Max	Y	Alphanumeric	Mandatory in BCA. Response description
virtualAccountData	Object	-	Y	-
partnerReferenceNo	String (128)	Max	N	Alphanumeric	Mandatory in BCA. From Inquiry Request (channeltransaction-ID)
virtualAccountNo	String (28)	Max	Y	Alphanumeric	Mandatory in BCA. partnerServiceI d (8 digit left padding space) + customerNo (up to 20 digit) In BCA, virtualAccountNo max length is 26. 9 (partnerServiceId(8 digits)+customerNo(18 digits)).
virtualAccountName	String (255)	Max	Y	Alphanumeric	Mandatory in BCA. Customer name
inquiryRequestId	String (128)	Max	N	Alphanumeric	Mandatory in BCA. Unique identifier for inquiry. Generated by BCA.
totalAmount	Objects	-	N	-
value	String (16,2)	Max	Y	Decimal	Mandatory in BCA. Send by BCA. Total amount with 2 decimal In BCA, totalAmount max length is 13.2 digits.
currency	String(3)	Fixed	Y	ISO-4217	Mandatory in BCA. Currency of amount Send by BCA. Currency of amount based on ISO 4217. Currency only available for IDR
billDetails	Array of Objects	-	N	-	Optional in BCA. Array with maximum 24 Objects
billNo	String (18)	Max	N	Alphanumeric	Bill number from Biller
billDescription	Object	-	N	-	Send by BCA. Bill Description
english	String (18)	Max	N	Alphanumeric	Send by BCA. Bill Description in English
indonesia	String(18)	Max	N	Alphanumeric	Send by BCA. Bill Description in Bahasa
billSubCompany	String(5)	Max	N	Alphanumeric	Biller’s product code
billAmount	Object	-	N	-
value	String (16,2)	Max	Y	Decimal	Send by BCA. Transaction amount for specific bill. Nominal inputted by Customer with 2 decimal In BCA, billAmount max length is 13.2 digits
currency	String (3)	Fixed	Y	ISO-4217	Currency
additionalInfo	Object	-	N	-	Additional Information for custom use for each bill
freeTexts	Array of Objects	-	N	-	Optional in BCA. Array with maximum 5 Objects send by BCA.
english	String (32)	Max	N	Alphanumeric	Will be shown in Channel
indonesia	String (32)	Max	N	Alphanumeric	Will be shown in Channel
virtualAccountTrxType	String(1)	Fixed	N	Alphanumeric	Mandatory in BCA. Type of Virtual Account. BCA will response virtualAccountT rxType value only for one of these value: - O - Open Payment - C - Closed Payment - V - Bill Variable -I - Partial -W- Multi Bill Variable
productName	String(30)	Max	N	Alphanumeric	Mandatory in BCA. Send by BCA. Product Category

Note:
Note:
1. BCA will response virtualAccountTrxType value only for one of these value:
- O (Open Payment) = (non Multi Bill - No Bill) Bill amount is not displayed, customer may enter paid amount freely
- C (Closed Payment) = (non Multi Bill - Fixed Bill)
 Bill amount is displayed, customer must pay according to the displayed amount
 If more than one bill is displayed, customer must pay all displayed bills & total amount for all bills
- V (Bill Variable) = (non Multi Bill - Variable Bill) Bill amount is displayed, customer may enter paid amount freely
- I (Partial) = (Flexible Multi Bill - Fixed Bill)
 More than one bill may be displayed, customer may choose more than one of the displayed bills to pay
 Bill amount is displayed, customer must pay according to the displayed amount in each bill  Total of paid amount is equal to the sum of chosen bills
- W (Variable Multi Bill) = (Multi Bill - Fixed Bill)
 More than one bill may be displayed, customer may choose only one of the displayed bills to pay
 Bill amount is displayed, customer must pay according to the displayed amount of the chosen bill
2. Currency only availabe for IDR

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
200	2003200	Successful
400	4003201	Invalid Field Format {Field Name}
400	4003202	Invalid Mandatory Field {Field Name}
400	4003200	Bad request
400	4003200	invalid timestamp format [X-TIMESTAMP]
401	4013200	Unauthorized. [Reason]
401	4013201	Invalid token (B2B)
403	4033201	Feature Not Allowed
404	4043208	Invalid Merchant
404	4043212	Invalid Bill. [Reason] (Reason is defined by Biller)
404	4043214	Paid Bills
404	4043216	Partner Not Found
404	4043218	Inconsistent Request
409	4093200	Conflict
500	5003200	General Error
500	5003201	Internal Server Error

/openapi/shared-biller/v1.0/transferva/inquiry-intrabank

Request

curl –X POST https://sandbox.bca.co.id/openapi/shared-biller/v1.0/transferva/inquiry-intrabank
-H 'CHANNEL-ID': '95391'
-H 'X-PARTNER-ID': '676767'
-H 'X-EXTERNAL-ID': '123456789'
-d '
{
 "partnerServiceId": " 03013",
"customerNo": "123456789012345678",
"partnerReferenceNo": "1122334455",
"virtualAccountNo": " 03013123456789012345678",
 "trxDateTime": "2022-09-16T10:33:07+07:00"
}'

Response

{
	"responseCode": "2003200",
	"responseMessage": "Successful",
	"virtualAccountData": {
		"inquiryStatus": "",
		"inquiryReason": {
			"english": "",
			"indonesia": ""
		},
		"partnerServiceId": " 21180",
		"partnerReferenceNo": "90903200114",
		"customerNo": "22203",
		"virtualAccountNo": " 2118022203",
		"virtualAccountName": "Customer Name",
		"virtualAccountEmail": "",
		"virtualAccountPhone": "",
		"sourceAccountNo": "",
		"sourceAccountType": "",
		"inquiryRequestId": "202307311953292118000043785288",
		"totalAmount": {
			"value": "8045000.00",
			"currency": "IDR"
		},
		"billDetails": [
		{
			"billCode": "",
			"billNo": "00011111",
			"billName": "",
			"billShortName": "",
			"billDescription": {
				"english": "Pencil",
				"indonesia": "Pensil"
			},
			"billSubCompany": "00000",
			"billAmount": {
				"value": "800000.00",
				"currency": "IDR"
			},
			"billAmountLabel": "",
			"billAmountValue": "800000.00",
			"additionalInfo": []
		},
		{
			"billCode": "",
			"billNo": "00011112",
			"billName": "",
			"billShortName": "",
			"billDescription": {
				"english": "Book",
				"indonesia": "Buku"
			},
			"billSubCompany": "00001",
			"billAmount": {
				"value": "801000.00",
				"currency": "IDR"
			},
			"billAmountLabel": "",
			"billAmountValue": "801000.00",
			"additionalInfo": []
		},
		{
			"billCode": "",
			"billNo": "00011113",
			"billName": "",
			"billShortName": "",
			"billDescription": {
				"english": "Bag",
				"indonesia": "Tas"
			},
			"billSubCompany": "00002",
			"billAmount": {
				"value": "802000.00",
				"currency": "IDR"
			},
			"billAmountLabel": "",
			"billAmountValue": "802000.00",
			"additionalInfo": []
		},
		{
			"billCode": "",
			"billNo": "00011114",
			"billName": "",
			"billShortName": "",
			"billDescription": {
				"english": "Pencil",
				"indonesia": "Pensil"
			},
			"billSubCompany": "00003",
			"billAmount": {
				"value": "803000.00",
				"currency": "IDR"
			},
			"billAmountLabel": "",
			"billAmountValue": "803000.00",
			"additionalInfo": []
		},
		{
			"billCode": "",
			"billNo": "00011115",
			"billName": "",
			"billShortName": "",
			"billDescription": {
				"english": "Book",
				"indonesia": "Tas"
			},
			"billSubCompany": "00004",
			"billAmount": {
				"value": "804000.00",
				"currency": "IDR"
			},
			"billAmountLabel": "",
			"billAmountValue": "804000.00",
			"additionalInfo": []
		},
		{
			"billCode": "",
			"billNo": "00011110",
			"billName": "",
			"billShortName": "",
			"billDescription": {
				"english": "Bag",
				"indonesia": "Pensil"
			},
			"billSubCompany": "00005",
			"billAmount": {
				"value": "805000.00",
				"currency": "IDR"
			},
			"billAmountLabel": "",
			"billAmountValue": "805000.00",
			"additionalInfo": []
		},
		{
			"billCode": "",
			"billNo": "00011116",
			"billName": "",
			"billShortName": "",
			"billDescription": {
				"english": "Pencil",
				"indonesia": "Pencil"
			},
			"billSubCompany": "00006",
			"billAmount": {
				"value": "806000.00",
				"currency": "IDR"
			},
			"billAmountLabel": "",
			"billAmountValue": "806000.00",
			"additionalInfo": []
		},
		{
			"billCode": "",
			"billNo": "00011117",
			"billName": "",
			"billShortName": "",
			"billDescription": {
				"english": "Book",
				"indonesia": "Buku"
			},
			"billSubCompany": "00007",
			"billAmount": {
				"value": "807000.00",
				"currency": "IDR"
			},
			"billAmountLabel": "",
			"billAmountValue": "807000.00",
			"additionalInfo": []
		},
		{
			"billCode": "",
			"billNo": "00011118",
			"billName": "",
			"billShortName": "",
			"billDescription": {
				"english": "Bag",
				"indonesia": "Tas"
			},
			"billSubCompany": "00008",
			"billAmount": {
				"value": "808000.00",
				"currency": "IDR"
			},
			"billAmountLabel": "",
			"billAmountValue": "808000.00",
			"additionalInfo": []
		},
		{
			"billCode": "",
			"billNo": "00011119",
			"billName": "",
			"billShortName": "",
			"billDescription": {
				"english": "Pencil",
				"indonesia": "Pensil"
			},
			"billSubCompany": "00009",
			"billAmount": {
				"value": "809000.00",
				"currency": "IDR"
			},
			"billAmountLabel": "",
			"billAmountValue": "809000.00",
			"additionalInfo": []
		}
		],
		"freeTexts": [
		{
			"english": "free text english",
			"indonesia": "free text indonesia"
		}
		],
		"virtualAccountTrxType": "W",
		"feeAmount": {
			"value": "0.00",
			"currency": "IDR"
		},
		"productName": "Limit VA",
		"additionalInfo": ""
	}
}

2. SNAP Shared Biller Inquiry Status

This service is used for inquiry payment status.

This feature is not yet available to be accessed via Sandbox.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Fixed	Y	Mandatory in BCA. Channel’ Identifier using WSID Shared Biller (95391)
X-PARTNER-ID	Header	String(32)	Max	Y	Mandatory in BCA. Partner ID (Mitra ID)
X-EXTERNAL-ID	Header	String(36)	Max	Y	Mandatory in BCA. Reference number that should be unique in the same day

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
virtualAccountNo	String (28)	Max	Y	Alphanumeric	Mandatory in BCA. partnerServiceId (8 digit left padding space) + customerNo (up to 20 digit). In BCA, virtualAccountNo max length is 26 (partnerServiceId(8 digits) + customerNo(18 digits)).
inquiryRequestId	String (128)	Max	N	Alphanumeric	Mandatory in BCA. Unique identifier for inquiry. Generated by BCA from inquiry response.

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)	Fixed	Y	Numeric	Mandatory in BCA. Response code: HTTP Code + Service Code + Case Code
responseMessage	String (150)	Max	Y	Alphanumeric	Mandatory in BCA. Response description
paymentRequestId	String (128)	Max	N	Alphanumeric	Mandatory in BCA. Unique identifier for payment. Generated by BCA and has the same value with inquiryRequestI d.
virtualAccountNo	String (28)	Max	Y	Alphanumeric	Mandatory in BCA. partnerServiceId (8 digit left padding space) + customerNo (up to 20 digit) In BCA, virtualAccountNo max length is 9 (partnerServiceId(8 digits)+customerNo(18 digits)).
paymentFlagReason	Object	-	N	-	Mandatory in BCA. Reason for Payment Status from Biller in multi language
english	String (64)	Max	N	Alphanumeric	Reason for inquiry status in English
indonesia	String (64)	Max	N	Alphanumeric	Reason for inquiry status in Bahasa
inquiryRequestId	String (128)	Max	N	Alphanumeric	Mandatory in BCA. Inquiry identifier for inquiry. Generated by BCA from inquiry response.
paidAmount	Objects	-	N	-	Mandatory in BCA.
value	String (16,2)	Max	Y	Decimal	Paid amount with 2 decimal. In BCA, totalAmount max length is 13.2 digits
currency	String (3)	Fixed	Y	ISO-4217	Currency of amount based on ISO 4217
trxDateTime	Date(25)	Fixed	N	ISO-8601	Mandatory in BCA. BCA internal system datetime with timezone, which follows the ISO-8601 standard
transactionDate	Date(25)	Fixed	N	ISO-8601	Mandatory in BCA. Payment datetime when the payment happened
paymentFlagStatus	String (2)	Fixed	N	Numeric	Mandatory in BCA. Status for payment flag, This field may vary with these values: 00 : success transaction 01 : transaction in progress 99 : failed transaction
billDetails	Array of Objects	-	N	-	Array with maximum 24 Objects
billNo	String (18)	Max	N	Alphanumeric	Bill number that customer choose to pay. From Payment Request
billDescription	Object	-	N	-	Bill Description
english	String (18)	Max	N	Alphanumeric	Bill Description in English
indonesia	String (18)	Max	N	Alphanumeric	Bill Description in Bahasa
billSubCompany	String (5)	Max	N	Alphanumeric	Biller’s product code
billAmount	Objects	-	N	-
value	String (16,2)	Max	Y	Decimal	Transaction amount for specific bill. Nominal inputted by Customer with 2 decimal In BCA, billAmount max length is 13.2 digits.
currency	String (3)	Fixed	Y	ISO-4217	Currency
additionalInfo	Object	-	N	-	Additional Information for customer use for each bill
freeTexts	Array of Objects	-	N	-	Array with maximum 9 Objects send by BCA.
english	String (32)	Max	N	Alphanumeric	Will be shown in Channel
indonesia	String (32)	Max	N	Alphanumeric	Will be shown in Channel

Note:
- The final status of payment flag is not determined by responseCode and responseMessage.
- Status for payment flag will be defined in paymentFlagStatus and paymentFlagReason field. This field may vary with these values:
00 = success transaction
01 = transaction in progress
99 = failed transaction
- If the paymentFlagStatus is 01, the result will be defined after reconciliation process.
- If the reconciliation results show that the transaction was successfully settled, the paymentFlagStatus will contains 00.
- If the reconciliation results show a refund transaction, the paymentFlagStatus will contains 99.
- ResponseCode 4042601 shows request inquiry status is failed, because the transaction data is not available/not recorded at BCA, the paymentFlagStatus will be empty.

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
200	2002600	Successful
400	4002601	Invalid Field Format {Field Name}
400	4002602	Invalid Mandatory Field {Field Name}
400	4002600	Bad request
400	4002600	invalid timestamp format [X-TIMESTAMP]
401	4012600	Unauthorized. [Reason]
401	4012601	Invalid token (B2B)
403	4032601	Feature Not Allowed
404	4042601	Transaction Not Found
404	4042616	Partner Not Found
409	4092600	Conflict
500	5002600	General Error
500	5002601	Internal Server Error

/openapi/shared-biller/v1.0/transfer-va/status

Request

curl –X POST https://sandbox.bca.co.id/openapi/shared-biller/v1.0/transfer-va/status
-H 'CHANNEL-ID': '95391'
-H 'X-PARTNER-ID': '676767'
-H 'X-EXTERNAL-ID': '123456789'
-d '
{
	"partnerServiceId": "03013",
	"customerNo": "123456789012345678",
	"virtualAccountNo": "03013123456789012345678",
	"inquiryRequestId": "202209161033070301300001197441"
} '

Response

{
	"responseCode": "2002600",
	"responseMessage": "Successful",
	"virtualAccountData": {
		"paymentFlagReason": {
			"english": "Transaction Success",
			"indonesia": "Transaksi Berhasil"
		},
		"partnerServiceId": " 21180",
		"customerNo": "22203",
		"virtualAccountNo": " 2118022203",
		"inquiryRequestId": "202307311953292118000043785288",
		"paymentRequestId": "202307311953292118000043785288",
		"paidAmount": {
			"value": "803000.00",
			"currency": "IDR"
		},
		"paidBills": "",
		"totalAmount": {
			"value": "",
			"currency": ""
		},
		"trxDateTime": "2023-07-31T19:57:18+07:00",
		"transactionDate": "2023-07-31T19:53:29+07:00",
		"referenceNo": "",
		"paymentType": "",
		"flagAdvise": "",
		"paymentFlagStatus": "00",
		"billDetails": [
		{
			"billCode": "",
			"billNo": "00011114",
			"billName": "",
			"billShortName": "",
			"billDescription": {
			"english": "Pencil",
			"indonesia": "Pensil"
			},
			"billSubCompany": "00003",
			"billAmount": {
				"value": "803000.00",
				"currency": "IDR"
			},
			"billReferenceNo": "",
			"status": "",
			"reason": {
				"english": "",
				"indonesia": ""
			},
			"additionalInfo": ""
		}
		],
		"freeTexts": [
		{
			"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 1",
			"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 1"
		},
		{
			"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 1",
			"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 1"
		},
		{
			"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 1",
			"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 1"
		},
		{
			"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 1",
			"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 1"
		},
		{
			"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 1",
			"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 1"
		},
		{
			"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 1",
			"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 1"
		},
		{
			"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 1",
			"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 1"
		},
		{
			"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 1",
			"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 1"
		},
		{
			"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 1",
			"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 1"
		}
		],
		"additionalInfo": ""
	}
}

3. SNAP Shared Biller Payment to VA from Intrabank

This service is to make payment to biller

This feature is not yet available to be accessed via Sandbox.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Fixed	Y	Mandatory in BCA. Channel’ Identifier using WSID Shared Biller (95391)
X-PARTNER-ID	Header	String(32)	Max	Y	Mandatory in BCA. Partner ID (Mitra ID)
X-EXTERNAL-ID	Header	String(36)	Max	Y	Mandatory in BCA. Reference number that should be unique in the same day

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
partnerReferenceNo	String (128)	Max	N	Alphanumeric	Mandatory in BCA. Unique identifier for this Payment. Generated by Mitra (channel-transactionID)
virtualAccountNo	String (28)	Max	Y	Alphanumeric	Mandatory in BCA. partnerServiceId (8 digit left padding space) + customerNo (up to 20 digit). In BCA, virtualAccountNo max length is 26 (partnerServiceId(8 digits) + customerNo(18 digits)).
inquiryRequestId	String (128)	Max	N	Alphanumeric	Mandatory in BCA. Inquiry identifier for inquiry. Generated by BCA from inquiry response.
paidAmount	Objects	-	Y	-
value	String (16,2)	Max	Y	Decimal	Mandatory in BCA. Paid amount with 2 decimal. In BCA, totalAmount max length is 13.2 digits.
currency	String (3)	Fixed	Y	ISO-4217	Mandatory in BCA. Currency of amount based on ISO 4217 Currency only available for IDR
trxDateTime	Date(25)	Max	N	ISO-8601	Mandatory in BCA. Mitra internal system datetime with timezone, which follows the ISO-8601 standard
billDetails	Array of Objects	-	N	-	Array with maximum 24 Objects
billNo	String (18)	Max	N	Alphanumeric	Bill number that customer choose to pay
billDescription	Object	-	N	-	From Inquiry Response
english	String (18)	Max	N	Alphanumeric	From Inquiry Response
indonesia	String (18)	Max	N	Alphanumeric	From Inquiry Response
billSubCompany	String (5)	Max	N	Alphanumeric	From Inquiry Response
billAmount	Objects	-	N	-	From Inquiry Response
value	String (16,2)	Max	Y	Decimal	From Inquiry Response
currency	String (3)	Fixed	Y	ISO-4217	From Inquiry Response
additionalInfo	Object	-	N	-	From Inquiry Response
freeText	Array of Objects	-	N	-	From Inquiry Response
english	String (32)	Max	N	Alphanumeric	From Inquiry Response
indonesia	String (32)	Max	N	Alphanumeric	From Inquiry Response

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)	Fixed	Y	Numeric	Mandatory in BCA. Response code: HTTP Code + Service Code + Case Code
responseMessage	String (150)	Max	Y	Alphanumeric	Mandatory in BCA. Response description
paymentRequestId	String (128)	Max	N	Alphanumeric	Mandatory in BCA. Unique identifier for payment. Generated by BCA and has the same value with inquiryRequestI d.
partnerReferenceNo	String (128)	Max	N	Alphanumeric	Mandatory in BCA. From Inquiry Request (channeltransaction-ID)
virtualAccountNo	String (28)	Max	Y	Alphanumeric	Mandatory in BCA. partnerServiceI d (8 digit left padding space) + customerNo (up to 20 digit) In BCA, virtualAccountN o max length is 26 Tech. Doc. OpenAPI-Shared-Biller API v1.1\| PT. Bank Central Asia, Tbk. 9 (partnerServiceI d(8 digits)+custome rNo(18 digits)).
billDetails	Array of Objects	-	N	-	Array with maximum 24 Objects
billNo	String (18)	Max	N	Alphanumeric	Bill number that customer choose to pay
billDescription	Object	-	N	-	From Inquiry Response
english	String (18)	Max	N	Alphanumeric	From Inquiry Response
indonesia	String (18)	Max	N	Alphanumeric	From Inquiry Response
billSubCompany	String (5)	Max	N	Alphanumeric	From Inquiry Response
billAmount	Objects	-	N	-	From Inquiry Response
value	String (16,2)	Max	Y	Decimal	From Inquiry Response
currency	String (3)	Fixed	Y	ISO-4217	From Inquiry Response
additionalInfo	Object	-	N	-	From Inquiry Response
freeTexts	Array of Objects	-	N	-	Optional in BCA. Array with maximum 9 Objects send by BCA.
english	String (32)	Max	N	Alphanumeric	Will be shown in Channel
indonesia	String (32)	Max	N	Alphanumeric	Will be shown in Channel

Note:
1. currency only availabe for IDR
2. paymentRequestID is the same value with inquiryRequestID from BCA for each transaction.
Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
200	2003300	Successful
202	2023300	Request In Progress
400	4003301	Invalid Field Format {Field Name}
400	4003302	Invalid Mandatory Field {Field Name}
400	4003300	Bad request
400	4003300	invalid timestamp format [X-TIMESTAMP]
401	4013300	Unauthorized. [Reason]
401	4013301	Invalid token (B2B)
403	4033201	Feature Not Allowed
403	4033302	Exceeds Transaction Amount Limit
403	4033316	Suspend Transaction
404	4043208	Invalid Merchant
404	4043313	Invalid Amount
404	4043212	Invalid Bill. [Reason] (Reason is defined by Biller)
404	4043214	Paid Bills
404	4043216	Partner Not Found
404	4043218	Inconsistent Request
409	4093200	Conflict
500	5003200	General Error
500	5003201	Internal Server Error

/openapi/shared-biller/v1.0/transferva/payment-intrabank

Request

curl –X POST https://sandbox.bca.co.id/openapi/shared-biller/v1.0/transferva/payment-intrabank
-H 'CHANNEL-ID': '95391'
-H 'X-PARTNER-ID': '676767'
-H 'X-EXTERNAL-ID': '123456789'
-d '
{
	"partnerServiceId": " 21180",
	"customerNo": "22203",
	"referenceNo": "12345",
	"virtualAccountNo": " 2118022203",
	"inquiryRequestId": "202307311953292118000043785288",
	"partnerReferenceNo": "5555614",
	"paidAmount": {
		"value": "803000.00",
		"currency": "IDR"
	},
	"trxDateTime": "2023-07-31T15:08:24+07:00",
	"billDetails": [
	{
		"billcode": "",
		"billNo": "00011114",
		"billName": "",
		"billShortName": "",
		"billDescription": {
			"english": "Pencil",
			"indonesia": "Pensil"
		},
		"billSubCompany": "00003",
		"billAmount": {
			"value": "803000.00",
			"currency": "IDR"
		},
		"additionalInfo": "",
		"billReferenceNo": ""
	}
	],
	"freeText": {
		"english": "eating",
		"indonesia": "makan"
	},
	"additionalInfo": "alalalala"
}'

Response

{
	"responseCode": "2003300",
	"responseMessage": "Successful",
	"virtualAccountData": {
		"paymentFlagReason": {
			"english": "",
			"indonesia": ""
		},
		"partnerServiceId": " 21180",
		"customerNo": "22203",
		"virtualAccountNo": " 2118022203",
		"virtualAccountName": "",
		"virtualAccountEmail": "",
		"virtualAccountPhone": "",
		"sourceAccountNo": "",
		"sourceAccountType": "",
		"inquiryRequestId": "202307311953292118000043785288",
		"paymentRequestId": "202307311953292118000043785288",
		"partnerReferenceNo": "5555614",
		"referenceNo": "",
		"paidAmount": {
			"value": "803000.00",
			"currency": "IDR"
		},
		"paidBills": "",
		"totalAmount": {
			"value": "",
			"currency": ""
		},
		"trxDateTime": "",
		"journalNum": "",
		"paymentType": "",
		"flagAdvise": "",
		"billDetails": [
		{
			"billCode": "",
			"billNo": "00011114",
			"billName": "",
			"billShortName": "",
			"billDescription": {
				"english": "Pencil",
				"indonesia": "Pensil"
			},
			"billSubCompany": "00003",
			"billAmount": {
				"value": "803000.00",
				"currency": "IDR"
			},
			"additionalInfo": "",
			"status": "",
			"reason": {
				"english": "",
				"indonesia": ""
			}
		}
		],
		"freeTexts": [
			{
				"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 1",
				"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 1"
			},
			{
				"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 2",
				"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 2"
			},
			{
				"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 3",
				"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 3"
			},
			{
				"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 4",
				"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 4"
			},
			{
				"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 5",
				"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 5"
			},
			{
				"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 6",
				"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 6"
			},
			{
				"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 7",
				"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 7"
			},
			{
				"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 8",
				"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 8"
			},
			{
				"english": "ABCDEFGHIJKLM ENGLISH FREETEXT 9",
				"indonesia": "ABCDEFGHIJ INDONESIAN FREETEXT 9"
			}
		],
		"virtualAccountTrxType": "",
		"feeAmount": {
			"value": "",
			"currency": ""
		},
		"productName": "",
		"additionalInfo": ""
	}
}

Fund Transfer

1. SNAP Banking External Account Inquiry

This service is used to inquiry account external.

This feature is not yet available to be accessed via Sandbox.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Fixed	Y	Channel’s identifier using WSID KlikBCA Bisnis (95051)
X-PARTNER-ID	Header	String(32)	Max	Y	Corporate ID

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
partnerReferenceNo	String (64)	Max	Y	-	Mandatory in BCA. Transaction identifier on service consumer system
beneficiaryBankCode	String (8)	Max	Y	Numeric	Mandatory in BCA. Beneficiary Bank Code. In BCA using SWIFT Code or 3 digit bank code (if destination doesn’t have SWIFT Code)
beneficiaryAccountNo	String (34)	Max	Y	Numeric	Mandatory in BCA. Beneficiary Account

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
partnerReferenceNo	String (64)	Max	N	-	Send by BCA according to the request input. Transaction identifier on service consumer system
responseCode	String (7)	Fixed	Y	Numeric	Response code
responseMessage	String (150)	Max	Y	-	Response description
referenceNo	String (64)	Max	C	Numeric	Send by BCA. Transaction identifier on service provider system. Must be filled upon successful transaction
benefiaryAcco untName	String (100)	Max	Y	-	Send by BCA. Beneficiary Account Name
beneficiaryAccountNo	String (34)	Max	Y	Numeric	Send by BCA according to the request input. Beneficiary account number
beneficiaryBankCode	String (8)	Max	N	Numeric	Send by BCA according to the request input. Beneficiary Bank Code. In BCA using SWIFT Code or 3 digit bank code (if destination doesn’t have SWIFT Code)

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
400	4001600	Bad request
400	4001601	Invalid Field Format {field}
400	4001602	Invalid Mandatory Field {Field}
401	4011600	Unauthorized. [Reason]
401	4011601	Invalid token (B2B)
403	4031601	Feature Not Allowed
404	4041602	Invalid Routing
404	4041611	Invalid Account
409	4091600	Conflict
500	5001600	General Error
504	5041600	Timeout

curl –X POST https://sandbox.bca.co.id/openapi/v1.0/account-inquiry-external

Request

-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': 'KBBABCINDO'
-d '
{
	"beneficiaryBankCode": "002",
	"beneficiaryAccountNo": "888801000157508",
	"partnerReferenceNo": "2020102900000000000001"
}'

Response

{
	"responseCode": "2001600",
	"responseMessage": "Request has been processed successfully",
	"referenceNo": "2020102977770000000009",
	"partnerReferenceNo": "2020102900000000000001",
	"beneficiaryAccountName": "Yories Yolanda",
	"beneficiaryAccountNo": "888801000157508",
	"beneficiaryBankCode": "002",
}

2. SNAP Banking Interbank Transfer

This service is used to transfer fund to other banks via switching & BI-FAST services

This feature is not yet available to be accessed via Sandbox.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Fixed	Y	Channel’s identifier using WSID KlikBCA Bisnis (95051)
X-PARTNER-ID	Header	String(32)	Max	Y	Corporate ID

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
partnerReferenceNo	String (64)	Max	Y	-	Mandatory in BCA. Transaction identifier on service consumer system
amount	Object		Y		-
value	String (16.2)	Max	Y	Decimal	Mandatory in BCA. Net amount of the transaction. If it’s IDR then value includes 2 decimal digits. In BCA, max length = 13.2
currency	String (3)	Fixed	Y	ISO-4217	Mandatory in BCA. Currency
beneficiaryAccountName	String (100)	Max	Y	-	Mandatory in BCA. Beneficiary Account Name
beneficiaryAccountNo	String (34)	Max	Y	-	Mandatory in BCA. Beneficiary Account
beneficiaryBankCode	String(8)	Max	Y	-	Mandatory in BCA. Beneficiary Bank Code. In BCA using SWIFT Code or 3 digit bank code (if destination doesn’t have SWIFT Code)
beneficiaryEmail	String(50)	Max	N	abc@domain.com	Optional in BCA. Beneficiary Email
sourceAccountNo	String (19)	Max	Y	Numeric	Mandatory in BCA. Source Account. Source Account. For BCA, length account number is 10 digit.
transactionDate	String (25)	Max	Y	ISO-8601	Mandatory in BCA. Transaction date
additionalInfo	Object		Y
transferType	String (1)	Fixed	Y		1 = Transfer via switcher 2 = Transfer via BIFAST
purposeCode	String (5)	Max	C		Mandatory if transferType = 2 Purpose Code as defined in techdoc BI 01 = Investment/Investasi 02 = Transfer of Wealth/Pemindahan Dana 03 = Purchase/Pembelian 99 = Others/Lainnya

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
partnerReferenceNo	String(64)	Max	N	-	Send by BCA according to the request input. Transaction identifier on sevice consumer system
responseCode	String (7)	Fixed	Y	-	Response code
responseMessage	String(150)	Max	Y	-	Response description
referenceNo	String (64)	Max	N	Numeric	Send by BCA according to the request input. Transaction identifier on service provider system. Must be filled upon successful transaction.
amount	Object		Y
value	String (16.2)	Max	Y	Decimal	Send by BCA according to the request input. Net amount of the transaction. If it’s IDR then value includes 2 decimal digits. In BCA, max length = 13.2
currency	String (3)	Fixed	Y	ISO-4217	Send by BCA according to the request input. Currency
beneficiaryAccountNo	String (34)	Max	Y	Numeric	Send by BCA according to the request input. Beneficiary account number
beneficiaryBankCode	String (8)	Max	N	BCA : SWIFT	Send by BCA according to the request input. Beneficiary Bank Code
sourceAccountNo	String (19)	Max	N	-	Send by BCA according to the request input. Source account

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
400	4001800	Bad request
400	4001801	Invalid Field Format {field}
400	4001802	Invalid Mandatory Field {Field}
401	4011800	Unauthorized. [Reason]
401	4011801	Invalid token (B2B)
403	4031802	Exceeds Transaction Amount Limit
403	4031804	Activity Count Limit Exceeded
403	4031814	Insufficient Funds
403	4031801	Feature Not Allowed
404	4041803	Bank Not Supported By Switch
404	4041811	Invalid Account
404	4041813	Invalid Amount
404	4041802	Invalid Routing
409	4091800	Conflict
500	5001801	Internal Server Error
504	5041800	Timeout

If you get responseCode 5001801 (Unknown Error/Unknown internal server failure, please retry the process again) from BCA, please make sure to check your account statement before retry the transaction.

curl –X POST https://sandbox.bca.co.id/openapi/v2.0/transfer-interbank

Request

Transfer Switching
-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': 'KBBABCINDO'
-d '
{
	"partnerReferenceNo": "2020102900000000000001",
	"amount": {
		"value": "10000.00",
		"currency": "IDR"
	},
	"beneficiaryAccountName": "Yories Yolanda",
	"beneficiaryAccountNo": "888801000157508",
	"beneficiaryBankCode": "002",
	"beneficiaryEmail": "yories.yolanda@work.bri.co.id",
	"sourceAccountNo": "0123456789",
	"transactionDate": "2020-12-21T10:30:24+07:00"
	"additionalInfo": {
        "transferType": "1",
        "purposeCode": ""
    }
}'

Transfer BI Fast 

-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': 'KBBABCINDO'
-d '
{
	"partnerReferenceNo": "2020102900000000000001",
	"amount": {
	"value": "10000.00",
	"currency": "IDR"
	},
	"beneficiaryAccountName": "Yories Yolanda",
	"beneficiaryAccountNo": "888801000157508",
	"beneficiaryAddress": "Palembang",
	"beneficiaryBankCode": "BRINDIJA",
	"beneficiaryBankName": "Bank BRI",
	"beneficiaryEmail": "yories.yolanda@work.bri.co.id",
	"currency": "IDR",
	"customerReference": "10052019",
	"sourceAccountNo": "0123456789",
	"transactionDate": "2020-12-21T14:36:11+07:00",
	"additionalInfo": {
		"transferType": "2",
		"purposeCode": "02"
	}
}

Response

{
	"responseCode": "2001800",
	"responseMessage": "Successful",
	"referenceNo": "2020102977770000000009",
	"partnerReferenceNo": "2020102900000000000001",
	"amount": {
		"value": "10000.00",
		"currency": "IDR"
	},
	"beneficiaryAccountNo": "888801000157508",
	"beneficiaryBankCode": "BRINDIJA",
	"sourceAccountNo": "0123456789"
}

3. SNAP Banking Internal Account Inquiry

This service is used to inquiry BCA account.

This feature is not yet available to be accessed via Sandbox.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Fixed	Y	Channel’s identifier using WSID KlikBCA Bisnis (95051)
X-PARTNER-ID	Header	String(10)	Fixed	Y	KlikBCA Bisnis’s Corporate ID.
X-EXTERNAL-ID	Header	String(32)	Max	Y	Numeric String. Reference number that should be unique in the same day.

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
partnerReferenceNo	String (64)	Max	Y	Numeric	Transaction identifier on service consumer systems. The partnerReferenceNo used in the inquiry transaction must be reused when transferring to the account inquired.
beneficiaryAccountNo	String (10)	Fixed	Y	Numeric	Beneficiary Account

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)	Fixed	Y	Numeric	Response code
responseMessage	String (150)	Max	Y	Alphanumeric	Response description
referenceNo	String (64)	Max	Y	Numeric	This response will be sent as transaction identifier on service provider system. Must be filled upon successful transaction.
partnerReferenceNo	String (64)	Max	N	Numeric	This response will be sent according to the request input. Transaction identifier on service consumer system
beneficiaryAccountName	String (100)	Max	Y	Alphanumeric & Special Character	This response will be sent according to the request input. Beneficiary Account Name. The name returned is the name displayed on the channel, which have 24 digit characters. There is no special character validation, but the special characters displayed are: \| @ # $ % ¬ & * ( ) _ + - = ¢ ! \ { } ] ; : , . / < > ? ` ^
beneficiaryAccountNo	String (10)	Fixed	Y	Numeric	This response will be sent according to the request input. Beneficiary account number.

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message	Condition
400	4001500	Bad request	General request failed error.
400	4001501	Invalid Field Format {field name}	The data you entered does not match the format requirements.
400	4001502	Invalid Mandatory Field {field name}	Mandatory field should be fulfilled.
401	4011500	Unauthorized. [Reason]	Invalid Signature/Unknown Client/Connection Not Allowed.
401	4011501	Invalid token (B2B)	Access Token Not Exist/Access Token Expired/Token is Invalid.
403	4031501	Feature Not Allowed	The feature is not allowed to use. Please make sure you registered this feature in your partnership data.
409	4091500	Conflict	X-EXTERNAL-ID duplicate.
403	4031518	Inactive Account	Indicates inactive account
404	4041511	Invalid Account	The account used in transaction not valid (do not exist/can’t be used for transactions).
500	5001500	General Error	Wrong request field input.
500	5001501	Internal Server Error	Unknown internal server failure, please retry the process again.
504	5041500	Timeout	Your transaction timeout.

curl –X POST https://sandbox.bca.co.id/openapi/v1.0/account-inquiry-internal

Request

-H 'Content-type': 'application/json'
-H 'Authorization': 'Bearer gp9HjjEj813Y9JGoqwOeOPWbnt4CUpvIJbU1mMU4a11MNDZ7Sg5u9a'
-H 'X-TIMESTAMP': '2020-12-17T13:50:04+07:00'
-H 'X-SIGNATURE': '85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5'
-H 'ORIGIN': 'www.hostname.com'
-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': 'KBCABCINDO'
-H 'X-EXTERNAL-ID': '28910000006578499987546738976812'
-d '
{
"partnerReferenceNo": "202010290000000001",
"beneficiaryAccountNo": "8010001575"
}

Response

-H 'Content-type': 'application/json'
-H 'X-TIMESTAMP': '2020-12-17T13:50:04+07:00'
{
"responseCode": "2001500",
"responseMessage": "Successful",
"referenceNo": "202010297777000009",
"partnerReferenceNo": "202010290000000001",
"beneficiaryAccountName": "Yories Yolanda",
"beneficiaryAccountNo": "8010001575"
}

4. SNAP Banking Intrabank Transfer

This service is used to transfer BCA.

This feature is not yet available to be accessed via Sandbox.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Fixed	Y	Channel’s identifier using WSID KlikBCA Bisnis (95051)
X-PARTNER-ID	Header	String(32)	Max	Y	Corporate ID

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
partnerReferenceNo	String (64)	Max	Y	-	Mandatory in BCA. Transaction identifier on service consumer system For transfers that begin with beneficiary account number inquiry using the SNAP Banking Internal Account Inquiry, it is required to use the same partnerReferenceNo with SNAP Banking Internal Account Inquiry that has been done.
amount	Object		Y	Numeric	Mandatory in BCA. Net amount of the transaction
value	String (16.2)	Max	Y	Decimal	Mandatory in BCA. If it’s IDR then value includes 2 decimal digits. BCA will send response amount with format value Numeric (13.2)
currency	String (3)	Fixed	Y	ISO-4217	Mandatory in BCA. Account currency type
beneficiaryAccountNo	String (34)	Max	Y	Numeric	Mandatory in BCA. Beneficiary Account Number registered in BCA. For BCA, length account number is 10 digit
remark	String (50)	Max	N		Optional in BCA. Remark/transac tion description. For BCA, remark is 36 digit divided in 2 field (remark 1 with 18 digit and remark 2 with 18 digit) with no special character
sourceAccountNo	String (19)	Max	Y	Numeric	sourceAccountNo registered in BCA. For BCA, length account number is 10 digit
transactionDate	String (25)	Max	Y	ISODateTime ISO-8601	Mandatory in BCA. Transaction date
additionalInfo	Object		N		Additional information
economicActivity	String (60)	Max	Y (if the beneficiaryAccountNumber are WNA citizenship)	-	For details, please check on the Economic Activity table below
transactionPurpose	String (2)	Fixed	Y (if the currency of beneficiaryAccountNumber are in SGD or USD)	Numeric	01 Pembelian barang / Purchase of Goods 02 Pembelian jasa / Purchase of Service 03 Pembayaran hutang / Debt Payment 04 Pembayaran pajak / Tax Payment 05 Impor / Import 06 Biaya Perjalanan Luar Negeri / Business Travel Expenses 07 Biaya remunerasi pegawai / Remuneration Expenses 08 Biaya administrasi / Administration Fee 09 Biaya overhead / Overhead Expenses 10 Simpanan dalam valas / Saving 11 Investasi Pembelian Obligasi Korporasi / Purchase of Corporate Bonds 12 Investasi Pembelian Surat Berharga Negara (SBN) / Purchase of Government Securities 13 Investasi Penyertaan Langsung / Direct Capital Investment 14 Penambahan modal kerja / Working Capital 15 Telah mendapat ijin BI / Approved by BI

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)	Fixed	Y	-	Response code
responseMessage	String (150)	Max	Y	-	Response description
referenceNo	String (64)	Max	Y (When the transaction is successful)	Numeric	Send by BCA. Transaction identifier on service provider system. Unique each day from BCA Must be filled upon successful transaction.
partnerReferenceNo	String (64)	Max	Y	-	Send by BCA according to the request input. Transaction identifier on service customer system (unique each day from partner)
amount	Object		Y
value	String (16.2)	Max	Y	Decimal	Send by BCA according to the request input. If it’s IDR then value includes 2 decimal digits. BCA will send response amount with format value Numeric (13.2)
currency	String (3)	Max	Y	ISO-4217	Send by BCA according to the request input. Currency
beneficiaryAccountNo	String (34)	Max	Y	Numeric	Send by BCA according to the request input. Beneficiary account number
sourceAccountNo	String (19)	Max	Y	Numeric	Send by BCA according to the request input. Source account number
transactionDate	String (25)	Max	Y	ISODateTime ISO-8601	Send by BCA according to the request input. Transaction date
additionalInfo	Object		N		Additional information
economicActivity	String (60)	Max	Y (if the beneficiaryAccountNumber are WNA citizenship)	-	Send by BCA according to the request input. For details, please check on the Economic Activity table below
transactionPurpose	String (2)	Fixed	Y (if the currency of beneficiaryAccountNumber are in SGD or USD)	Numeric	Send by BCA according to the request input. 01 Pembelian barang / Purchase of Goods 02 Pembelian jasa / Purchase of Service 03 Pembayaran hutang / Debt Payment 04 Pembayaran pajak / Tax Payment 05 Impor / Import 06 Biaya Perjalanan Luar Negeri / Business Travel Expenses 07 Biaya remunerasi pegawai / Remuneration Expenses 08 Biaya administrasi / Administration Fee 09 Biaya overhead / Overhead Expenses 10 Simpanan dalam valas / Saving 11 Investasi Pembelian Obligasi Korporasi / Purchase of Corporate Bonds 12 Investasi Pembelian Surat Berharga Negara (SBN) / Purchase of Government Securities 13 Investasi Penyertaan Langsung / Direct Capital Investment 14 Penambahan modal kerja / Working Capital 15 Telah mendapat ijin BI / Approved by BI

Economic Activity Table

Source Account	Destination Account	Economic Activity
WNI	WNA	A : Biaya Hidup Pihak Asing Jual beli barang & jasa di Ind Pembukaan SKBDN Pembukaan LC Impor dlm Negeri Pembukaan LC Impor dlm Negeri Utang LN & restrukturisasi Surat Berharga (SSB) dalam Rp Penyertaan langsung di Ind
WNA	WNA	B : Pengalihan milik penyertaan lsg Surat berharga dalam Rp Jual beli barang & jasa di Ind Biaya hidup pihak asing

Choose one of the economic activities according to the transaction needs.

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
400	4001700	Bad request
400	4001702	Invalid Mandatory Field {Field}
400	4001701	Invalid Field Format {Field}
401	4011700	Unauthorized. [Reason]
401	4011701	Invalid token (B2B)
403	4031701	Feature Not Allowed
403	4031718	Inactive Account
403	4031702	Exceeds Transaction Amount Limit
403	4031704	Activity Count Limit Exceeded
403	4031714	Insufficient Funds
404	4041713	Invalid Amount
404	4041711	Invalid Account
409	4091700	Conflict
429	4291700	Too Many Requests
500	5001700	General Error
500	5001701	Internal Server Error
504	5041700	Timeout

If you get responseCode 5001701 (Internal Server Error) from BCA, please make sure to check your account statement before retry the transaction.

curl –X POST https://sandbox.bca.co.id/openapi/v1.0/transfer-intrabank

Request

-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': 'KBBABCINDO'
-d '
{
	"partnerReferenceNo": "2020102900000000000001",
	"amount": {
		"value": "10000.00",
		"currency": "IDR"
	},
	"beneficiaryAccountNo": "888801000157508",
	"beneficiaryEmail": "yories.yolanda@work.co.id",
	"remark": "remark test",
	"sourceAccountNo": "888801000157508",
	"transactionDate": "2020-12-21T10:30:24+07:00",
	"additionalInfo": {
		"economicActivity": "Biaya Hidup Pihak Asing",
		"transactionPurpose": "01"
	}
}

Response

{
	"responseCode": "2001700",
	"responseMessage": "Successful",
	"referenceNo": "2020102977770000000009",
	"partnerReferenceNo": "2020102900000000000001",
	"amount": {
		"value": "10000.00",
		"currency": "IDR"
	},
	"beneficiaryAccountNo": "888801000157508",
	"sourceAccountNo": "888801000157508",
	"transactionDate": "2020-12-21T10:30:24+07:00",
	"additionalInfo": {
		"economicActivity": "Biaya Hidup Pihak Asing",
		"transactionPurpose": "01"
	}
}

5. SNAP Banking Notify RTGS

This service is used to Transfer RTGS Notification.

This feature is not yet available to be accessed via Sandbox.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Fixed	Y	Channel’ Identifier
X-PARTNER-ID	Header	String(32)	Max	Y	Corporate ID

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
originalPartnerReferenceNo	String (64)	Max	N	-	Sent by BCA Original transaction identifier on service consumer system
originalReferenceNo	String (64)	Max	N	-	Sent by BCA Original transaction identifier on service provider system
originalExternalId	String (19)	Max	N	-	Sent by BCA Original Customer Reference Number
latestTransactionStatus	String (2)	Fixed	Y		Sent by BCA. BCA only notifies rejection from transactions that have been successfully processed by BCA 00 - Success 01 - Initiated 02 - Paying 03 - Pendin 04 - Refunded 05 - Canceled 06 - Failed 07 - Not found
amount	Object		Y
value	String (16.2)	Max	Y	Decimal	Sent by BCA Net amount of the transaction. If it's IDR then value includes 2 decimal digits. In BCA, max length = 13.2
currency	String (3)	Fixed	Y	ISO-4217	Sent by BCA. Currency
beneficiaryAccountName	String (100)	Max	Y	-	Sent by BCA Beneficiary Account Name
beneficiaryAccountNo	String (34)	Max	Y	-	Sent by BCA Beneficiary Account
beneficiaryBankCode	String(8)	Max	Y	-	Sent by BCA. Beneficiary Bank Code. In BCA using SWIFT Code or 3 digit bank code (if destination doesn't have SWIFT Code)
sourceAccountNo	String (19)	Max	Y	-	Sent by BCA Source Account. 10 digits for BCA Account.
transactionDate	String (25)	Max	Y	ISO-8601	Mandatory in BCA. Transaction Date, which follows the ISO-8601 standard
additionalInfo	Object	-	Y	-	Sent by BCA Additional Info
rejectStatusID	String (100)	Max	Y	-	Sent by BCA Reject Description in Indonesian
rejectStatusEN	String (100)	Max	Y	-	Sent by BCA Reject Description in English
traceNo	String (100)	Max	Y	-	Sent by BCA Number for tracking to destination bank. In BCA traceNo=ppu_num ber with prefix “(“

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)	Fixed	Y	-	Response code
responseMessage	String(150)	Max	Y	-	Response description

curl –X POST https://copartners.com/openapi/v1.0/transfer-rtgs/notify

Request

-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': 'KBCABCINDO'
-d '
{
 "originalPartnerReferenceNo": "2020102900000000000001",
 "originalReferenceNo": "2020102977770000000009",
 "originalExternalId": "10052019",
 "latestTransactionStatus": "00",
 "amount": {
 "value": "10000.00",
 "currency": "IDR"
 },
 "beneficiaryAccountName": "Yories Yolanda",
 "beneficiaryAccountNo": "888801000003301",
 "beneficiaryBankCode": "002",
 "sourceAccountNo": "1234567890",
 "transactionDate": "2020-12-21T14:06:21+07:000",
 "additionalInfo": {
 "rejectStatusID": "Nomor rekening tidak terdaftar",
 "rejectStatusEN": "Account number is not registered",
 "traceNo": "(DAC8"
}
}'

Response

{
 "responseCode": "2007600",
 "responseMessage": "Successful"
 }

6. SNAP Banking Notify SKNBI

This service is used to Transfer SKN Notification.

This feature is not yet available to be accessed via Sandbox.

Additional Headers:

Field	Params Type	Data Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Y	Channel’ Identifier
X-PARTNER-ID	Header	String(32)	Y	Corporate ID

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
originalPartnerReferenceNo	String (64)	Max	N	-	Sent by BCA Original transaction identifier on service consumer system
originalReferenceNo	String (64)	Max	N	-	Sent by BCA Original transaction identifier on service provider system
originalExternalId	String (19)	Max	N	-	Sent by BCA Original Customer Reference Number
latestTransactionStatus	String (2)	Fixed	Y		Sent by BCA. BCA only notifies rejection from transactions that have been successfully processed by BCA 00 - Success 01 - Initiated 02 - Paying 03 - Pendin 04 - Refunded 05 - Canceled 06 - Failed 07 - Not found
amount	Object		Y
value	String (16.2)	Max	Y	Decimal	Sent by BCA Net amount of the transaction. If it's IDR then value includes 2 decimal digits. In BCA, max length = 13.2
currency	String (3) ISO 4217	Fixed	Y	-	Sent by BCA. Currency
beneficiaryAccountName	String (100)	Max	Y	-	Sent by BCA Beneficiary Account Name
beneficiaryAccountNo	String (34)	Max	Y	-	Sent by BCA Beneficiary Account
beneficiaryBankCode	String(8)	Max	Y	-	Sent by BCA. Beneficiary Bank Code. In BCA using SWIFT Code or 3 digit bank code (if destination doesn't have SWIFT Code)
sourceAccountNo	String (19)	Max	Y	-	Sent by BCA Source Account. 10 digits for BCA Account.
transactionDate	String (25)	Max	Y	ISO-8601	Mandatory in BCA. Transaction Date, which follows the ISO-8601 standard
additionalInfo	Object	-	Y	-	Sent by BCA Additional Info
rejectStatusID	String (100)	Max	Y	-	Sent by BCA Reject Description in Indonesian
rejectStatusEN	String (100)	Max	Y	-	Sent by BCA Reject Description in English
traceNo	String (100)	Max	Y	-	Sent by BCA Number for tracking to destination bank. In BCA traceNo=ppu_num ber with prefix “(“

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)	Fixed	Y	-	Response code
responseMessage	String(150)	Max	Y	-	Response description

curl –X POST https://copartners.com/openapi/v1.0/transfer-skn/notify

Request

-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': 'KBCABCINDO'
-d '
{
 "originalPartnerReferenceNo": "2020102900000000000001",
 "originalReferenceNo": "2020102977770000000009",
 "originalExternalId": "10052019",
 "latestTransactionStatus": "00",
 "amount": {
 "value": "10000.00",
 "currency": "IDR"
 },
 "beneficiaryAccountName": "Yories Yolanda",
 "beneficiaryAccountNo": "888801000003301",
 "beneficiaryBankCode": "002",
 "sourceAccountNo": "1234567890",
 "transactionDate": "2020-12-21T14:06:21+07:000",
 "additionalInfo": {
 "rejectStatusID": "Nomor rekening tidak terdaftar",
 "rejectStatusEN": "Account number is not registered",
 "traceNo": "(DAC8"
 }
}'

Response

{
 "responseCode": "2007500",
 "responseMessage": "Successful"
 }

7. SNAP Banking RTGS Transfer

This service is used to transfer RTGS.

This feature is not yet available to be accessed via Sandbox.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Fixed	Y	Channel’s identifier using WSID KlikBCA Bisnis (95051)
X-PARTNER-ID	Header	String(32)	Max	Y	Corporate ID

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
partnerReferenceNo	String (64)	Max	Y	-	Mandatory in BCA. Transaction identifier on service consumer system
amount	Object		Y
value	String (16.2)	Max	Y	Decimal	Mandatory in BCA. Net amount of the transaction. If it’s IDR then value includes 2 decimal digits. In BCA, max length = 13.2
currency	String (3)	Fixed	Y	ISO-4217	Mandatory in BCA. Currency
beneficiaryAccountName	String (100)	Max	Y	-	Mandatory in BCA. Beneficiary Account Name
beneficiaryAccountNo	String (34)	Max	Y	-	Mandatory in BCA. Beneficiary Account
beneficiaryAddress	String (100)	Max	N	-	Mandatory in BCA. Beneficiary Address.
beneficiaryBankCode	String(8)	Max	Y	-	Mandatory in BCA. Beneficiary Bank Code. In BCA using SWIFT Code
beneficiaryCustomerResidence	String (1)	Fixed	Y	Numeric	Mandatory in BCA. Beneficiary Customer Residence 1. Indonesia 2. Non Indonesia
beneficiaryCustomerType	String (1)	Fixed	Y	Numeric	Mandatory in BCA. Beneficiary Customer Type 1. Individual 2. Corporation 3. Government
beneficiaryEmail	String(50)	Max	N	abc@domain.com	Optional in BCA. Beneficiary Email
remark	String (50)	Max	N	-	Optional in BCA. Remark/transact ion description. For BCA, the remark is divided into two parts. The max length of each part is 18.
sourceAccountNo	String (19)	Max	Y	-	Mandatory in BCA. Source Account. For BCA, length account number is 10 digit.
transactionDate	String (25)	Max	Y	ISO-8601	Mandatory in BCA. Transaction date

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
partnerReferenceNo	String(64)	Max	N	-	Send by BCA according to the request input. Transaction identifier on sevice consumer system
responseCode	String (7)	Fixed	Y	-	Response code
responseMessage	String(150)	Max	Y	-	Response description
referenceNo	String (64)	Max	N	Numeric	Send by BCA. Transaction identifier on service provider system. Must be filled upon successful transaction.
amount	Object		Y
value	String (16.2)	Max	Y	Decimal	Send by BCA according to the request input. Net amount of the transaction. If it’s IDR then value includes 2 decimal digits. In BCA, max length = 13.2
currency	String (3)	Fixed	Y	ISO-4217	Send by BCA according to the request input. Currency
beneficiaryAccountName	String (100)	Max	Y	-	Send by BCA according to the request input. Beneficiary Account Name
beneficiaryAccountNo	String (34)	Max	Y	Numeric	Send by BCA according to the request input. Beneficiary accoun
beneficiaryBankCode	String (8)	Max	N	BCA : SWIFT	Send by BCA according to the request input. Beneficiary Bank Code
sourceAccountNo	String (19)	Max	N	-	Send by BCA according to the request input. Source account. For BCA account 10 digits
traceNo	String (16)	Max	N	-	Send by BCA. Number for tracking to destination bank. In BCA, traceNo = ppu_number with prefix “(” and the length is 5
transactionDate	String (25)	Max	Y	ISO-8601	Send by BCA according to the request input. Transaction date
transactionStatus	String (2)	Fixed	Y	Numeric	00 - Success 03 – Pending 06 – Failed

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
400	4002200	Bad request
400	4002201	Invalid Field Format {field}
400	4002202	Invalid Mandatory Field {Field}
401	4012200	Unauthorized. [Reason]
401	4012201	Invalid token (B2B)
403	4032201	Feature Not Allowed
403	4032202	Exceeds Transaction Amount Limit
403	4032204	Activity Count Limit Exceeded
403	4032206	Feature Not Allowed At This Time. The transaction has exceeded time limit for today processing
403	4032206	Feature Not Allowed At This Time. Transfer service to other bank is temporarily closed
403	4032214	Insufficient Funds
403	4032218	Inactive Account
404	4042211	Invalid Account
404	4042213	Invalid Amount
404	4041802	Invalid Routing
409	4092200	Conflict
500	5002201	Internal Server Error
504	5042200	Timeout

If you get responseCode 5002201 (Unknown Error/Unknown internal server failure, please retry the process again) from BCA, please make sure to check your account statement before retry the transaction.

curl –X POST https://sandbox.bca.co.id/openapi/v1.0/transfer/rtgs

Request

-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': 'KBBABCINDO'
-d '
{
	"partnerReferenceNo": "2020102900000000000001",
	"amount": {
		"value": "10000.00",
		"currency": "IDR"
	},
	"beneficiaryAccountName": "Yories Yolanda",
	"beneficiaryAccountNo": "888801000157508",
	"beneficiaryAddress": "Palembang",
	"beneficiaryBankCode": "002",
	"beneficiaryCustomerResidence": "1",
	"beneficiaryCustomerType": "1",
	"beneficiaryEmail": "yories.yolanda@work.bri.co.id",
	"remark": "remark test",
	"sourceAccountNo": "1234567899",
	"transactionDate": "2020-12-21T14:36:11+07:00"
}'

Response

{
	"responseCode": "2002200",
	"responseMessage": "Request has been processed successfully",
	"referenceNo": "2020102977770000000009",
	"partnerReferenceNo": "2020102900000000000001",
	"amount": {
		"value": "10000.00",
		"currency": "IDR"
	},
	"beneficiaryAccountName": "Yories Yolanda",
	"beneficiaryAccountNo": "888801000157508",
	"beneficiaryBankCode": "002",
	"sourceAccountNo": "1234567899",
	"traceNo": "(DAC8",
	"transactionDate": "2020-12-21T14:36:11+07:00",
	"transactionStatus": "00"
}

8. SNAP Banking SKNBI Transfer

This service is used to transfer SKN.

This feature is not yet available to be accessed via Sandbox.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Fixed	Y	Channel’s identifier using WSID KlikBCA Bisnis (95051)
X-PARTNER-ID	Header	String(32)	Max	Y	Corporate ID

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
partnerReferenceNo	String (64)	Max	Y	-	Mandatory in BCA. Transaction identifier on service consumer system
amount	Object		Y
value	String (16.2)	Max	Y	Decimal	Mandatory in BCA. Net amount of the transaction. If it’s IDR then value includes 2 decimal digits. In BCA, max length = 13.2
currency	String (3)	Fixed	Y	ISO-4217	Mandatory in BCA. Currency
beneficiaryAccountName	String (100)	Max	Y	-	Mandatory in BCA. Beneficiary Account Name
beneficiaryAccountNo	String (34)	Max	Y	-	Mandatory in BCA. Beneficiary Account
beneficiaryAddress	String (100)	Max	N	-	Mandatory in BCA. Beneficiary Address.
beneficiaryBankCode	String(8)	Max	Y	-	Mandatory in BCA. Beneficiary Bank Code. In BCA using SWIFT Code
beneficiaryCustomerResidence	String (1)	Fixed	Y	Numeric	Mandatory in BCA. Beneficiary Customer Residence 1. Indonesia 2. Non Indonesia
beneficiaryCustomerType	String (1)	Fixed	Y	Numeric	Mandatory in BCA. Beneficiary Customer Type 1. Individual 2. Corporation 3. Government
beneficiaryEmail	String(50)	Max	N	abc@domain.com	Optional in BCA. Beneficiary Email
remark	String (50)	Max	N	-	Optional in BCA. Remark/transact ion description. For BCA, the remark is divided into two parts. The max length of each part is 18.
sourceAccountNo	String (19)	Max	Y	-	Mandatory in BCA. Source Account. For BCA, length account number is 10 digit.
transactionDate	String (25)	Max	Y	ISO-8601	Mandatory in BCA. Transaction date

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
partnerReferenceNo	String(64)	Max	N	-	Send by BCA according to the request input. Transaction identifier on service consumer system
responseCode	String (7)	Fixed	Y	-	Response code
responseMessage	String(150)	Max	Y	-	Response description
referenceNo	String (64)	Max	N	Numeric	Send by BCA. Transaction identifier on service provider system. Must be filled upon successful transaction.
amount	Object		Y
value	String (16.2)	Max	Y	Decimal	Send by BCA according to the request input. Net amount of the transaction. If it’s IDR then value includes 2 decimal digits. In BCA, max length = 13.2
currency	String (3)	Fixed	Y	ISO-4217	Send by BCA according to the request input. Currency
beneficiaryAccountName	String (100)	Max	Y	-	Send by BCA according to the request input. Beneficiary Account Name
beneficiaryAccountNo	String (34)	Max	Y	Numeric	Send by BCA according to the request input. Beneficiary accoun
beneficiaryBankCode	String (8)	Max	N	BCA : SWIFT	Send by BCA according to the request input. Beneficiary Bank Code
sourceAccountNo	String (19)	Max	N	-	Send by BCA according to the request input. Source account. For BCA account 10 digits
traceNo	String (16)	Max	N	-	Send by BCA. Number for tracking to destination bank. In BCA, traceNo = ppu_number with prefix “(” and the length is 5
transactionDate	String (25)	Max	Y	ISO-8601	Send by BCA according to the request input. Transaction date
transactionStatus	String (2)	Fixed	Y	Numeric	00 - Success 03 – Pending 06 – Failed

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
400	4002300	Bad request
400	4002301	Invalid Field Format {field}
400	4002302	Invalid Mandatory Field {Field}
401	4012300	Unauthorized. [Reason]
401	4012301	Invalid token (B2B)
403	4032301	Feature Not Allowed
403	4032302	Exceeds Transaction Amount Limit
403	4032304	Activity Count Limit Exceeded
403	4032306	Feature Not Allowed At This Time. The transaction has exceeded time limit for today processing
403	4032306	Feature Not Allowed At This Time. Transfer service to other bank is temporarily closed
403	4032314	Insufficient Funds
403	4032318	Inactive Account
404	4042311	Invalid Account
404	4042313	Invalid Amount
404	4041802	Invalid Routing
409	4092300	Conflict
500	5002301	Internal Server Error
504	5042300	Timeout

If you get responseCode 5002301 (Unknown Error/Unknown internal server failure, please retry the process again) from BCA, please make sure to check your account statement before retry the transaction.

curl –X POST https://sandbox.bca.co.id/openapi/v1.0/transfer-skn

Request

-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': 'KBBABCINDO'
-d '
{
	"partnerReferenceNo": "2020102900000000000001",
	"amount": {
		"value": "10000.00",
		"currency": "IDR"
	},
	"beneficiaryAccountName": "Yories Yolanda",
	"beneficiaryAccountNo": "888801000157508",
	"beneficiaryAddress": "Palembang",
	"beneficiaryBankCode": "002",
	"beneficiaryCustomerResidence": "1",
	"beneficiaryCustomerType": "1",
	"beneficiaryEmail": "yories.yolanda@work.bri.co.id",
	"remark": "remark test",
	"sourceAccountNo": "1234567899",
	"transactionDate": "2020-12-21T14:36:11+07:00"
}'

Response

{
	"responseCode": "2002300",
	"responseMessage": "Request has been processed successfully",
	"referenceNo": "2020102977770000000009",
	"partnerReferenceNo": "2020102900000000000001",
	"amount": {
		"value": "10000.00",
		"currency": "IDR"
	},
	"beneficiaryAccountName": "Yories Yolanda",
	"beneficiaryAccountNo": "888801000157508",
	"beneficiaryBankCode": "002",
	"sourceAccountNo": "1234567899",
	"traceNo": "(DAC8",
	"transactionDate": "2020-12-21T14:36:11+07:00",
	"transactionStatus": "00",
}

9. SNAP Banking Transaction Status Inquiry

This service is used to transfer BCA.

This feature is not yet available to be accessed via Sandbox.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)	Fixed	Y	Channel’s identifier using WSID KlikBCA Bisnis (95051)
X-PARTNER-ID	Header	String(32)	Max	Y	Corporate ID

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
originalPartnerReferenceNo	String (64)	Max	N	-	Mandatory in BCA. Original transaction identifier on service from partner
originalReferenceNo	String (64)	Max	N	Numeric	Optional in BCA. Original transaction identifier on service provider system (from BCA)
originalExternalId	String (32)	Max	N	Numeric	Mandatory in BCA. Original External-ID on header message
serviceCode	String (2)	Fixed	Y	Numeric	Mandatory in BCA. Transaction type indicator (service code of the original transaction request) Service code of original transaction that can be requested 17 : Service Intrabank Transfer 18 : Service Interbank Transfer 22 : Service Interbank Transfer RTGS 23 : Service Interbank Transfer SKN 33 : Service Payment to VA from Intrabank
transactionDate	String (25)	Max	N	ISODateTime ISO-8601	Mandatory in BCA. Transaction date

Note :

Transaction Status Inquiry can only make inquiries on the status of the transaction below via Open API.

Intrabank Transfer
Interbank Transfer
RTGS Transfer
SKNBI Transfer
Payment to VA from Intrabank

Transaction that can be inquired are only valid for the past 31 days.

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)	Fixed	Y	-	Response code
responseMessage	String(150)	Max	Y	-	Response description
originalReferenceNo	String (64)	Max	N	Numeric	Send by BCA according to the request input. Original transaction identifier on service provider system.
originalPartnerReferenceNo	String (64)	Max	N	-	Send by BCA according to the request input. Original transaction identifier on service customer system
originalExternalId	String (32)	Max	N	Numeric	Send by BCA according to the request input. Original External-ID on header message
serviceCode	String (2)	Fixed	Y	Numeric	Send by BCA according to the request input. Transaction type indicator (service code of the original transaction request) Service code of original transaction that can be checked 17 : Service Intrabank Transfer 18 : Service Interbank Transfer 22 : Service Interbank Transfer RTGS 23 : Service Interbank Transfer SKN 33 : Service Payment to VA
transactionDate	String (25)	Max	N	ISODateTime ISO-8601	Send by BCA according to the request input. Transaction date
amount	Object	-	N	-	Send by BCA. Net amount of the transaction
value	String (16.2)	Max	Y	Numeric	Send by BCA. If it’s IDR then value includes 2 decimal digits. BCA will send response amount with format value Numeric (13.2)
currency	String (3)	Fixed	Y	ISO-4217	Send by BCA. Currency of the amount
beneficiaryAccountNo	String (34)	Max	Y	Numeric	Send by BCA. Beneficiary account number
beneficiaryBankCode	String (8)	Max	N	Alphanumeric	Send by BCA for domestic transfer only. Beneficiary Bank Code, can be sent as follows 1. As swift code 2. As 3 digit bank code 3. Blank, if the bank is inactive/closed
referenceNumber	String (30)	Max	Y	Numeric	Send by BCA. Transaction identifier on service provider system. Unique each day from BCA Must be filled upon successful transaction.
sourceAccountNo	String (19)	Max	Y	Numeric	Send by BCA. Source Account Number. If it’s BCA account number, the length is 10 digit.
latestTransactionStatus	String (2)	Fixed	Y	Numeric	00 - Success 03 - Pending 06 – Failed
transactionStatusDesc	String(50)	Max	N		Description status transaction 00 : Transaction Success 03 : Transaction In Progress 06 : Response message from failed transaction

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
400	4003600	Bad request
400	4003601	Invalid Field Format {field}
400	4003602	Invalid Mandatory Field {Field}
401	4013600	Unauthorized. [Reason]
401	4013601	Invalid token (B2B)
403	4033601	Feature Not Allowed
404	4043601	Transaction not found
409	4093600	Conflict
500	5003600	General Error
504	5043600	Timeout

curl –X POST https://sandbox.bca.co.id/openapi/v1.0/transfer/status

Request

-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': 'KBBABCINDO'
-d '
{
	"originalPartnerReferenceNo": "2020102900000000000001",
	"originalReferenceNo": "2020102977770000000009",
	"originalExternalId": "30443786930722726463280097920912",
	"serviceCode": "17",
	"transactionDate": "2020-12-21T14:56:11+07:00"
}'

Response

{
	"responseCode": "2003600",
	"responseMessage": "Successful",
	"originalReferenceNo": "2020102977770000000009",
	"originalPartnerReferenceNo": "2020102900000000000001",
	"originalExternalId": "30443786930722726463280097920912",
	"serviceCode": "17",
	"transactionDate": "2020-12- 21T14:56:11+07:00",
	"amount": {
		"value": "10000.00",
		"currency": "IDR"
	},
	"beneficiaryAccountNo": "888801000157508",
	"beneficiaryBankCode": "002",
	"referenceNumber": "10052019",
	"sourceAccountNo": "888801000157508",
	"latestTransactionStatus": "00",
	"transactionStatusDesc": "Transaction Success"
}

Collection

1. Blocking Fund

This service is used to request new blocking on some amount of money from your destination bank account. No request cut off time applied so you can add new blocking request anytime. Every blocking request has its own expiry date.

Your Request must contain following information:

Additional headers

Field	DataType	Mandatory	Description
ChannelID	String(5)	Y	Channel’s identifier. Fill it with “95051”.
CredentialID	String(10)	Y	Channel’s credential (KlikBCA Bisnis Corporate ID)

Request

Field	DataType	Mandatory	Description
TransactionID	String(18)	Y	Unique data from Corporate. Format: Numeric.
ReferenceNumber	String(14)	Y	Sender's Transaction Reference ID. Format: Numeric.
RequestType	String(2)	Y	A = Request Add Blocking. Format: Alphabet.
DebitedAccount	String(10)	O	Account to be debited, must registered at KlikBCA Bisnis. Format: Numeric.
Amount	String(13,2)	Y	Total length is 15, include decimal amount. Format: Numeric, 13.2
Currency	String(3)	Y	Currently is IDR only.
ExpiredDate	String(10)	Y	Transaction Expired Date. Max : 366 days. Format: yyyy-MM-dd.
TransactionDate	String(10)	Y	The date of the Transaction. Format: yyyy-MM-dd.
Remark1	String(18)	Y	Transfer remark for receiver.
Remark2	String(18)	Y	Transfer remark for receiver.
Email	String(254)	Y	Email address of beneficiary (blocked account’s owner).

Response

Field	DataType	Description
TransactionID	String(18)	Unique data from Corporate. Format: Numeric.
ReferenceNumber	String(14)	Sender's Transaction Reference ID. Format: Numeric.
DebitedAccount	String(10)	Account to be debited, must registered at KlikBCA Bisnis. Format: Numeric.
Amount	String(13,2)	Total length is 15, include decimal amount. Format: Numeric, 13.2
Currency	String(3)	Currently is IDR only.
TransactionDate	String(10)	The date of the Transaction Performed get by system. Format: yyyy-MM-dd.
Status	String(10)	Transaction status

Error

HTTP Code	Error Code	Error Message (Indonesian)	Error Message (English)
400	ESB-07-086	Rekening tutup	Account closed
400	ESB-07-087	Rekening Dormant	Account Dormant
400	ESB-07-089	Rekening tidak terdaftar	Account not registered
400	ESB-07-090	Rekening tidak dapat digunakan untuk transaksi	Account cannot be used for transaction
400	ESB-11-138	Update Gagal	Failed to update
400	ESB-11-139	Delete Gagal	Failed to delete
400	ESB-14-001	HMAC tidak cocok	HMAC mismatch
400	ESB-14-002	Permintaan tidak valid	Invalid request
400	ESB-14-003	Timestamp tidak valid	Invalid timestamp
500	ESB-14-005	Sistem sedang dalam maintenance	System under maintenance
401	ESB-14-008	client_id/client_secret/grant_type tidak valid	Invalid client_id/client_secret/grant_type
401	ESB-14-009	Tidak berhak	Unauthorized
429	ESB-14-010	Jumlah permintaan melebihi limit	Limit request exceeded
404	ESB-14-011	Service tidak ada	Service doesn’t exist
401	ESB-14-012	Tidak berhak mengakses service ini	Not allowed to access this service
401	ESB-14-014	ChannelID/CredentialID tidak valid	Invalid ChannelID/CredentialID
400	ESB-14-015	Content Type tidak valid	Invalid Content Type
400	ESB-14-016	Format JSON tidak valid	Invalid JSON format
504	ESB-14-023	Koneksi Timeout. Silakan cek transaksi kembali untuk memastikan keberhasilan transaksi Anda.	Connection timeout. Please reinquiry your transaction to ensure transaction status.
400	ESB-82-003	TransactionID tidak unik	TransactionID not unique
402	ESB-82-019	Saldo tidak cukup	Insufficient fund
400	ESB-99-009	Field (0) harus diisi	Missing mandatory field (0)
400	ESB-99-022	Format alamat email tidak sesuai	Email address format is not valid
400	ESB-99-040	Tipe isian field (0) tidak valid	Input type for field (0) not valid
400	ESB-99-112	Input string JSON tidak valid	Invalid JSON string input
400	ESB-99-113	Transaksi ditolak	Transaction rejected
400	ESB-99-125	Format tanggal tidak valid	Invalid date format
400	ESB-99-128	Panjang field (0) melebihi ketentuan	Field (0) exceed limit
400	ESB-99-155	Mata uang harus IDR	Currency must in IDR
400	ESB-99-173	Format tanggal tidak sesuai	Invalid date format
400	ESB-99-211	Panjang field (0) tidak valid	Invalid (0) field length
400	ESB-99-376	Format (0) tidak sesuai	Invalid field (0) format
400	ESB-99-395	Tidak ada transaksi	No transaction found
400	ESB-99-533	Field (0) harus numerik	Field (0) should be numeric
400	ESB-99-573	TransactionDate harus diisi dengan tanggal hari ini	Transaction Date must be filled with today's date
400	ESB-99-669	Transaksi tidak dapat diproses	Transaction cannot be processed
400	ESB-99-670	Jenis transaksi tidak diijinkan	Transaction Type not allowed
400	ESB-99-671	Reference Number sedang digunakan oleh transaksi lain	Reference Number is still used for another transactions
400	ESB-99-672	Tanggal kadaluarsa lebih kecil dari tanggal hari ini	Expiry Date is smaller than today
400	ESB-99-673	Tanggal kadaluarsa melebihi batas maksimum	Expiry Date exceeds maximum limit
400	ESB-99-674	Gagal membuat reference number	Failed Generate Reference Number
400	ESB-99-675	Gagal memperbaharui data	Failed to update data
400	ESB-99-676	Status Blokir tidak aktif	Hold status is inactive
400	ESB-99-677	Rekening tidak terdaftar	Account not registered
400	ESB-99-678	Kata kunci pencarian tidak valid	Invalid inquiry keyword
400	ESB-99-999	Sistem sedang tidak tersedia	System unavailable
500	ESB-99-999	Koneksi Timeout. Silakan cek transaksi kembali untuk memastikan keberhasilan transaksi Anda.	Connection timeout. Please reinquiry your transaction to ensure transaction status.

POST /fund-collection

Request

POST /fund-blocking HTTP/1.1
Host: sandbox.bca.co.id
Authorization: Bearer [access_token]
Content-Type: application/json
Origin: [yourdomain.com]
X-BCA-Key: [api_key]
X-BCA-Timestamp: [timestamp]
X-BCA-Signature: [signature]
ChannelID: [channelID]
CredentialID: [credentialID]

{
    "TransactionID" : "0000000001",
    "ReferenceNumber" : "1111111110",
    "RequestType" : "A",
    "DebitedAccount"" : "1234567890",
    "Amount" : "100200300.00",
    "Currency" : "IDR",
    "ExpiredDate" : "2018-03-30",
    "TransactionDate" : "2018-02-15",
    "Remark1"" : "Testing block 1",
    "Remark2"" : "Testing block 2",
    "Email"" : "beneficiary@mail.com",
}

Response

{
    "TransactionID" : "0000000001",
    "ReferenceNumber"" : "1111111110",
    "DebitedAccount" : "1234567890",
    "Amount" : "100200300.00",
    "Currency" : "IDR",
    "TransactionDate" : "2018-02-15"
	"Status"" : "Success",
}

2. Cancellation of Blocking Fund

This service is used to request release or cancelation on existing. No request cut off time applied so you can add new release request anytime.

Your Request must contain following information:

Additional headers

Field	DataType	Mandatory	Description
ChannelID	String(5)	Y	Channel’s identifier. Fill it with “95051”.
CredentialID	String(10)	Y	Channel’s credential (KlikBCA Bisnis Corporate ID)

Request

Field	DataType	Mandatory	Description
TransactionID	String(18)	Y	Existing unique data from Corporate. Format: Numeric.
ReferenceNumber	String(14)	Y	Existing sender's Transaction Reference ID. Format: Numeric.
RequestType	String(2)	Y	D = Request Cancel Blocking.

Response

Field	DataType	Description
TransactionID	String(18)	Unique data from Corporate. Format: Numeric.
ReferenceNumber	String(14)	Sender's Transaction Reference ID. Format: Numeric.
DebitedAccount	String(10)	Account to be debited, must registered at KlikBCA Bisnis. Format: Numeric.
Amount	String(13,2)	Total length is 15, include decimal amount. Format: Numeric, 13.2
Currency	String(3)	Currently is IDR only.
TransactionDate	String(10)	The date of the Transaction Performed get by system. Format: yyyy-MM-dd.
Status	String(10)	Transaction status

Error

HTTP Code	Error Code	Error Message (Indonesian)	Error Message (English)
400	ESB-07-086	Rekening tutup	Account closed
400	ESB-07-087	Rekening Dormant	Account Dormant
400	ESB-07-089	Rekening tidak terdaftar	Account not registered
400	ESB-07-090	Rekening tidak dapat digunakan untuk transaksi	Account cannot be used for transaction
400	ESB-11-138	Update Gagal	Failed to update
400	ESB-11-139	Delete Gagal	Failed to delete
400	ESB-14-001	HMAC tidak cocok	HMAC mismatch
400	ESB-14-002	Permintaan tidak valid	Invalid request
400	ESB-14-003	Timestamp tidak valid	Invalid timestamp
500	ESB-14-005	Sistem sedang dalam maintenance	System under maintenance
401	ESB-14-008	client_id/client_secret/grant_type tidak valid	Invalid client_id/client_secret/grant_type
401	ESB-14-009	Tidak berhak	Unauthorized
429	ESB-14-010	Jumlah permintaan melebihi limit	Limit request exceeded
404	ESB-14-011	Service tidak ada	Service doesn’t exist
401	ESB-14-012	Tidak berhak mengakses service ini	Not allowed to access this service
401	ESB-14-014	ChannelID/CredentialID tidak valid	Invalid ChannelID/CredentialID
400	ESB-14-015	Content Type tidak valid	Invalid Content Type
400	ESB-14-016	Format JSON tidak valid	Invalid JSON format
504	ESB-14-023	Koneksi Timeout. Silakan cek transaksi kembali untuk memastikan keberhasilan transaksi Anda.	Connection timeout. Please reinquiry your transaction to ensure transaction status.
400	ESB-82-003	TransactionID tidak unik	TransactionID not unique
402	ESB-82-019	Saldo tidak cukup	Insufficient fund
400	ESB-99-009	Field (0) harus diisi	Missing mandatory field (0)
400	ESB-99-022	Format alamat email tidak sesuai	Email address format is not valid
400	ESB-99-040	Tipe isian field (0) tidak valid	Input type for field (0) not valid
400	ESB-99-112	Input string JSON tidak valid	Invalid JSON string input
400	ESB-99-113	Transaksi ditolak	Transaction rejected
400	ESB-99-125	Format tanggal tidak valid	Invalid date format
400	ESB-99-128	Panjang field (0) melebihi ketentuan	Field (0) exceed limit
400	ESB-99-155	Mata uang harus IDR	Currency must in IDR
400	ESB-99-173	Format tanggal tidak sesuai	Invalid date format
400	ESB-99-211	Panjang field (0) tidak valid	Invalid (0) field length
400	ESB-99-376	Format (0) tidak sesuai	Invalid field (0) format
400	ESB-99-395	Tidak ada transaksi	No transaction found
400	ESB-99-533	Field (0) harus numerik	Field (0) should be numeric
400	ESB-99-573	TransactionDate harus diisi dengan tanggal hari ini	Transaction Date must be filled with today's date
400	ESB-99-669	Transaksi tidak dapat diproses	Transaction cannot be processed
400	ESB-99-670	Jenis transaksi tidak diijinkan	Transaction Type not allowed
400	ESB-99-671	Reference Number sedang digunakan oleh transaksi lain	Reference Number is still used for another transactions
400	ESB-99-672	Tanggal kadaluarsa lebih kecil dari tanggal hari ini	Expiry Date is smaller than today
400	ESB-99-673	Tanggal kadaluarsa melebihi batas maksimum	Expiry Date exceeds maximum limit
400	ESB-99-674	Gagal membuat reference number	Failed Generate Reference Number
400	ESB-99-675	Gagal memperbaharui data	Failed to update data
400	ESB-99-676	Status Blokir tidak aktif	Hold status is inactive
400	ESB-99-677	Rekening tidak terdaftar	Account not registered
400	ESB-99-678	Kata kunci pencarian tidak valid	Invalid inquiry keyword
400	ESB-99-999	Sistem sedang tidak tersedia	System unavailable
500	ESB-99-999	Koneksi Timeout. Silakan cek transaksi kembali untuk memastikan keberhasilan transaksi Anda.	Connection timeout. Please reinquiry your transaction to ensure transaction status.

POST /fund-collection

Request

POST /fund-blocking HTTP/1.1
Host: sandbox.bca.co.id
Authorization: Bearer [access_token]
Content-Type: application/json
Origin: [yourdomain.com]
X-BCA-Key: [api_key]
X-BCA-Timestamp: [timestamp]
X-BCA-Signature: [signature]
ChannelID: [channelID]
CredentialID: [credentialID]

{
    "TransactionID" : "0000000001",
    "ReferenceNumber" : "1111111110",
    "RequestType" : "D",
}

Response

{
    "TransactionID" : "0000000001",
    "ReferenceNumber"" : "1111111110",
    "DebitedAccount" : "1234567890",
    "Amount" : "200300400.00",
    "Currency" : "IDR",
    "TransactionDate" : "2018-02-15"
	"Status"" : "Success",
}

3. Change of Blocking Fund

This service is used to request update on existing blocking data. No request cut off time applied so you can add new update request anytime. Only several data that can be updated.

Your Request must contain following information:

Additional headers

Field	DataType	Mandatory	Description
ChannelID	String(5)	Y	Channel’s identifier. Fill it with “95051”.
CredentialID	String(10)	Y	Channel’s credential (KlikBCA Bisnis Corporate ID)

Request

Field	DataType	Mandatory	Description
TransactionID	String(18)	Y	Existing unique data from Corporate. Format: Numeric.
ReferenceNumber	String(14)	Y	Existing sender's Transaction Reference ID. Format: Numeric.
RequestType	String(2)	Y	U = Request Update Blocking. Format: Alphabet.
Amount	String(13,2)	Y	Updatable. Total length is 15, include decimal amount. Format: Numeric, 13.2
Currency	String(3)	Y	Currently is IDR only.
ExpiredDate	String(10)	Y	Updatable. Transaction Expired Date. Max : 366 days. Format: yyyy-MM-dd.
TransactionDate	String(10)	Y	The date of the Transaction. Format: yyyy-MM-dd.
Remark1	String(18)	Y	Updatable. Transfer remark for receiver.
Remark2	String(18)	Y	Updatable. Transfer remark for receiver.
Email	String(254)	Y	Updatable. Email address of beneficiary (blocked account’s owner).

Response

Field	DataType	Description
TransactionID	String(18)	Unique data from Corporate. Format: Numeric.
ReferenceNumber	String(14)	Sender's Transaction Reference ID. Format: Numeric.
DebitedAccount	String(10)	Account to be debited, must registered at KlikBCA Bisnis. Format: Numeric.
Amount	String(13,2)	Total length is 15, include decimal amount. Format: Numeric, 13.2
Currency	String(3)	Currently is IDR only.
TransactionDate	String(10)	The date of the Transaction Performed get by system. Format: yyyy-MM-dd.
Status	String(10)	Transaction status

Error

HTTP Code	Error Code	Error Message (Indonesian)	Error Message (English)
400	ESB-07-086	Rekening tutup	Account closed
400	ESB-07-087	Rekening Dormant	Account Dormant
400	ESB-07-089	Rekening tidak terdaftar	Account not registered
400	ESB-07-090	Rekening tidak dapat digunakan untuk transaksi	Account cannot be used for transaction
400	ESB-11-138	Update Gagal	Failed to update
400	ESB-11-139	Delete Gagal	Failed to delete
400	ESB-14-001	HMAC tidak cocok	HMAC mismatch
400	ESB-14-002	Permintaan tidak valid	Invalid request
400	ESB-14-003	Timestamp tidak valid	Invalid timestamp
500	ESB-14-005	Sistem sedang dalam maintenance	System under maintenance
401	ESB-14-008	client_id/client_secret/grant_type tidak valid	Invalid client_id/client_secret/grant_type
401	ESB-14-009	Tidak berhak	Unauthorized
429	ESB-14-010	Jumlah permintaan melebihi limit	Limit request exceeded
404	ESB-14-011	Service tidak ada	Service doesn’t exist
401	ESB-14-012	Tidak berhak mengakses service ini	Not allowed to access this service
401	ESB-14-014	ChannelID/CredentialID tidak valid	Invalid ChannelID/CredentialID
400	ESB-14-015	Content Type tidak valid	Invalid Content Type
400	ESB-14-016	Format JSON tidak valid	Invalid JSON format
504	ESB-14-023	Koneksi Timeout. Silakan cek transaksi kembali untuk memastikan keberhasilan transaksi Anda.	Connection timeout. Please reinquiry your transaction to ensure transaction status.
400	ESB-82-003	TransactionID tidak unik	TransactionID not unique
402	ESB-82-019	Saldo tidak cukup	Insufficient fund
400	ESB-99-009	Field (0) harus diisi	Missing mandatory field (0)
400	ESB-99-022	Format alamat email tidak sesuai	Email address format is not valid
400	ESB-99-040	Tipe isian field (0) tidak valid	Input type for field (0) not valid
400	ESB-99-112	Input string JSON tidak valid	Invalid JSON string input
400	ESB-99-113	Transaksi ditolak	Transaction rejected
400	ESB-99-125	Format tanggal tidak valid	Invalid date format
400	ESB-99-128	Panjang field (0) melebihi ketentuan	Field (0) exceed limit
400	ESB-99-155	Mata uang harus IDR	Currency must in IDR
400	ESB-99-173	Format tanggal tidak sesuai	Invalid date format
400	ESB-99-211	Panjang field (0) tidak valid	Invalid (0) field length
400	ESB-99-376	Format (0) tidak sesuai	Invalid field (0) format
400	ESB-99-395	Tidak ada transaksi	No transaction found
400	ESB-99-533	Field (0) harus numerik	Field (0) should be numeric
400	ESB-99-573	TransactionDate harus diisi dengan tanggal hari ini	Transaction Date must be filled with today's date
400	ESB-99-669	Transaksi tidak dapat diproses	Transaction cannot be processed
400	ESB-99-670	Jenis transaksi tidak diijinkan	Transaction Type not allowed
400	ESB-99-671	Reference Number sedang digunakan oleh transaksi lain	Reference Number is still used for another transactions
400	ESB-99-672	Tanggal kadaluarsa lebih kecil dari tanggal hari ini	Expiry Date is smaller than today
400	ESB-99-673	Tanggal kadaluarsa melebihi batas maksimum	Expiry Date exceeds maximum limit
400	ESB-99-674	Gagal membuat reference number	Failed Generate Reference Number
400	ESB-99-675	Gagal memperbaharui data	Failed to update data
400	ESB-99-676	Status Blokir tidak aktif	Hold status is inactive
400	ESB-99-677	Rekening tidak terdaftar	Account not registered
400	ESB-99-678	Kata kunci pencarian tidak valid	Invalid inquiry keyword
400	ESB-99-999	Sistem sedang tidak tersedia	System unavailable
500	ESB-99-999	Koneksi Timeout. Silakan cek transaksi kembali untuk memastikan keberhasilan transaksi Anda.	Connection timeout. Please reinquiry your transaction to ensure transaction status.

POST /fund-collection

Request

POST /fund-blocking HTTP/1.1
Host: sandbox.bca.co.id
Authorization: Bearer [access_token]
Content-Type: application/json
Origin: [yourdomain.com]
X-BCA-Key: [api_key]
X-BCA-Timestamp: [timestamp]
X-BCA-Signature: [signature]
ChannelID: [channelID]
CredentialID: [credentialID]

{
    "TransactionID" : "0000000001",
    "ReferenceNumber" : "1111111110",
    "RequestType" : "U",
    "Amount" : "200300400.00",
    "Currency" : "IDR",
    "ExpiredDate" : "2018-03-11",
    "TransactionDate" : "2018-02-15",
    "Remark1"" : "Testing updt 1",
    "Remark2"" : "Testing updt 2",
    "Email"" : "beneficiary@mail.com",
}

Response

{
    "TransactionID" : "0000000001",
    "ReferenceNumber"" : "1111111110",
    "DebitedAccount" : "1234567890",
    "Amount" : "200300400.00",
    "Currency" : "IDR",
    "TransactionDate" : "2018-02-15"
	"Status"" : "Success",
}

4. Collection

This service is used to collect some amount of money from your destination bank account that have been blocked before.

Your Request must contain following information:

Additional headers

Field	DataType	Mandatory	Description
ChannelID	String(5)	Y	Channel’s identifier. Fill it with “95051”.
CredentialID	String(10)	Y	Channel’s credential (KlikBCA Bisnis Corporate ID)

Request

Field	DataType	Mandatory	Description
TransactionID	String(18)	Y	Unique data from Corporate. Format: Numeric.
ReferenceNumber	String(14)	Y	Sender's Transaction Reference ID. Format: Numeric.
RequestType	String(2)	Y	B = With Blocking, NB = Without Blocking. Format: B or NB.
DebitedAccount	String(10)	O	Account to be debited, must registered at KlikBCA Bisnis.Mandatory ONLY IF RequestType = NB (Without Blocking). Otherwise must left empty. Format: Numeric.
Amount	String(16)	Y	Maximum length is 16, include decimal amount. Format: Numeric, 13.2
Currency	String(3)	Y	Currently is IDR only.
CreditedAccount	String(10)	Y	Account to be credited
EffectiveDate	String(10)	Y	Transaction Effective Date. Max : 366 days. Format: yyyy-MM-dd.
TransactionDate	String(10)	Y	The date of the Transaction. Format: yyyy-MM-dd.
Remark1	String(18)	Y	Transfer remark for receiver.
Remark2	String(18)	Y	Transfer remark for receiver.
Email	String(254)	Y	Email address of beneficiary (blocked account’s owner).

Response

Field	DataType	Description
TransactionID	String(18)	Unique data from Corporate. Format: Numeric.
ReferenceNumber	String(14)	Sender's Transaction Reference ID. Format: Numeric.
RequestType	String(2)	B = With Blocking, NB = Without Blocking. Format: B or NB.
DebitedAccount	String(10)	Account to be debited, must registered at KlikBCA Bisnis.Mandatory ONLY IF RequestType = NB (Without Blocking). Otherwise must left empty. Format: Numeric.
Amount	String(16)	Maximum length is 16, include decimal amount. Format: Numeric, 13.2
Currency	String(3)	Currently is IDR only.
CreditedAccount	String(10)	Account to be credited
EffectiveDate	String(10)	Transaction Effective Date. Max : 366 days. Format: yyyy-MM-dd.
TransactionDate	String(10)	The date of the Transaction Performed get by system. Format: yyyy-MM-dd.
Status	String(10)	Transaction status

POST /fund-collection

Request

POST /fund-collection HTTP/1.1
Host: sandbox.bca.co.id
Authorization: Bearer [access_token]
Content-Type: application/json
Origin: [yourdomain.com]
X-BCA-Key: [api_key]
X-BCA-Timestamp: [timestamp]
X-BCA-Signature: [signature]
ChannelID: [channelID]
CredentialID: [credentialID]

{
    "TransactionID" : "0000000001",
    "ReferenceNumber" : "1111111110",
    "RequestType" : "B",
    "DebitedAccount"" : "1234567890",
    "Amount" : "100200300.00",
    "Currency" : "IDR",
    "CreditedAccount"" : "1234567891",
    "EffectiveDate"" : "2018-02-15",
    "TransactionDate" : "2018-02-15",
    "Remark1"" : "Testing block 1",
    "Remark2"" : "Testing block 2",
    "Email"" : "beneficiary@mail.com",
}

Response

{
    "TransactionID" : "0000000001",
    "ReferenceID"" : "1111111110",
    "DebitedAccount" : "1234567890",
    "Amount" : "100200300.00",
    "Currency" : "IDR",
    "CreditedAccount" : "1234567891",
    "EffectiveDate" : "2018-02-15",
    "TransactionDate" : "2018-02-15"
	"Status"" : "Success",
}

5. Transaction Information of Blocking Fund

This service is used to request inquiry fund blocking. No request cut off time applied so you can inquiry fund blocking request anytime.

Your Request must contain following information:

Additional headers

Field	DataType	Mandatory	Description
ChannelID	String(5)	Y	Channel’s identifier. Fill it with “95051”.
CredentialID	String(10)	Y	Channel’s credential (KlikBCA Bisnis Corporate ID)

Request

Field	DataType	Mandatory	Description
SearchBy	String(15)	Y	There are 3 options to inquiry block status which are : - TransactionID - ReferenceNumber - DebitedAccount
Value	String(20)	Y	Value to be inquired based on the “SearchBy” parameter.

Response

Field	DataType	Description
FundBlockDetails	Array of Object	The object that hold information of the FundBlockDetails.
TransactionID	String(18)	Unique data from Corporate. Format: Numeric.
ReferenceNumber	String(14)	Sender's Transaction Reference ID. Format: Numeric.
DebitedAccount	String(10)	Account to be debited, must registered at KlikBCA Bisnis. Format: Numeric.
Amount Blocked	String(13,2)	Total length is 15, include decimal amount. Format: Numeric, 13.2
TransactionDate	String(10)	The date of the Transaction Performed get by system. Format: yyyy-MM-dd.
ExpiredDate	String(10)	The date of the Blocking Fund will expired. Format: yyyy-MM-dd.
Currency	String(3)	Currently is IDR only.
Remark1	String(18)	Transfer remark for receiver.
Remark2	String(18)	Transfer remark for receiver.
Email	String(254)	Email address of beneficiary (blocked account’s owner).

Error

HTTP Code	Error Code	Error Message (Indonesian)	Error Message (English)
400	ESB-07-086	Rekening tutup	Account closed
400	ESB-07-087	Rekening Dormant	Account Dormant
400	ESB-07-089	Rekening tidak terdaftar	Account not registered
400	ESB-07-090	Rekening tidak dapat digunakan untuk transaksi	Account cannot be used for transaction
400	ESB-11-138	Update Gagal	Failed to update
400	ESB-11-139	Delete Gagal	Failed to delete
400	ESB-14-001	HMAC tidak cocok	HMAC mismatch
400	ESB-14-002	Permintaan tidak valid	Invalid request
400	ESB-14-003	Timestamp tidak valid	Invalid timestamp
500	ESB-14-005	Sistem sedang dalam maintenance	System under maintenance
401	ESB-14-008	client_id/client_secret/grant_type tidak valid	Invalid client_id/client_secret/grant_type
401	ESB-14-009	Tidak berhak	Unauthorized
429	ESB-14-010	Jumlah permintaan melebihi limit	Limit request exceeded
404	ESB-14-011	Service tidak ada	Service doesn’t exist
401	ESB-14-012	Tidak berhak mengakses service ini	Not allowed to access this service
401	ESB-14-014	ChannelID/CredentialID tidak valid	Invalid ChannelID/CredentialID
400	ESB-14-015	Content Type tidak valid	Invalid Content Type
400	ESB-14-016	Format JSON tidak valid	Invalid JSON format
504	ESB-14-023	Koneksi Timeout. Silakan cek transaksi kembali untuk memastikan keberhasilan transaksi Anda.	Connection timeout. Please reinquiry your transaction to ensure transaction status.
400	ESB-82-003	TransactionID tidak unik	TransactionID not unique
402	ESB-82-019	Saldo tidak cukup	Insufficient fund
400	ESB-99-009	Field (0) harus diisi	Missing mandatory field (0)
400	ESB-99-022	Format alamat email tidak sesuai	Email address format is not valid
400	ESB-99-040	Tipe isian field (0) tidak valid	Input type for field (0) not valid
400	ESB-99-112	Input string JSON tidak valid	Invalid JSON string input
400	ESB-99-113	Transaksi ditolak	Transaction rejected
400	ESB-99-125	Format tanggal tidak valid	Invalid date format
400	ESB-99-128	Panjang field (0) melebihi ketentuan	Field (0) exceed limit
400	ESB-99-155	Mata uang harus IDR	Currency must in IDR
400	ESB-99-173	Format tanggal tidak sesuai	Invalid date format
400	ESB-99-211	Panjang field (0) tidak valid	Invalid (0) field length
400	ESB-99-376	Format (0) tidak sesuai	Invalid field (0) format
400	ESB-99-395	Tidak ada transaksi	No transaction found
400	ESB-99-533	Field (0) harus numerik	Field (0) should be numeric
400	ESB-99-573	TransactionDate harus diisi dengan tanggal hari ini	Transaction Date must be filled with today's date
400	ESB-99-669	Transaksi tidak dapat diproses	Transaction cannot be processed
400	ESB-99-670	Jenis transaksi tidak diijinkan	Transaction Type not allowed
400	ESB-99-671	Reference Number sedang digunakan oleh transaksi lain	Reference Number is still used for another transactions
400	ESB-99-672	Tanggal kadaluarsa lebih kecil dari tanggal hari ini	Expiry Date is smaller than today
400	ESB-99-673	Tanggal kadaluarsa melebihi batas maksimum	Expiry Date exceeds maximum limit
400	ESB-99-674	Gagal membuat reference number	Failed Generate Reference Number
400	ESB-99-675	Gagal memperbaharui data	Failed to update data
400	ESB-99-676	Status Blokir tidak aktif	Hold status is inactive
400	ESB-99-677	Rekening tidak terdaftar	Account not registered
400	ESB-99-678	Kata kunci pencarian tidak valid	Invalid inquiry keyword
400	ESB-99-999	Sistem sedang tidak tersedia	System unavailable
500	ESB-99-999	Koneksi Timeout. Silakan cek transaksi kembali untuk memastikan keberhasilan transaksi Anda.	Connection timeout. Please reinquiry your transaction to ensure transaction status.

POST /fund-collection

Request

POST /fund-blocking?SearchBy=TransactionID&Value=0000000001 HTTP/1.1
Host: sandbox.bca.co.id
Authorization: Bearer [access_token]
Content-Type: application/json
Origin: [yourdomain.com]
X-BCA-Key: [api_key]
X-BCA-Timestamp: [timestamp]
X-BCA-Signature: [signature]
ChannelID: [channelID]
CredentialID: [credentialID]

Response

{
    "FundBlockDetails":
	 [{
		"TransactionID" : "0000000001",
		"ReferenceNumber"" : "1111111110",
		"DebitedAccount" : "1234567890",
		"AmountBlocked" : "200300400.00",
		"TransactionDate" : "2018-02-15"
		"ExpiredDate" : "2018-02-20"
		"Currency" : "IDR"
		"Remark1" : "-",
		"Remark2" : "-",
		"Email" : "aaa@bbb.com",
	}]
}

OneKlik

1. SNAP OneKlik Account Binding

This service is used to pre-processing OneKlik Registration by Generating OneKlik Registration Web Token.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)		Y	Channel’s identifier (95221)
X-PARTNER-ID	Header	String(36)		Y	Partner/Merchant Unique ID
X-EXTERNAL-ID	Header	String (36)		Y	Reference Number from Partner/Merchant
X-DEVICE-ID	Header	String (400)		Y	Customer Device Info Format: {device-id}\|\|{user-agent} device-id : - Android ID (Android) - UUID (iOS) - "WEB" (browser) user-agent : user agent device / browser (max 300 characters)
X-IP-ADDRESS	Header	String (15)		Y	Customer IP Address (IPv4 Format)

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
merchantId	String (5)		Y		Partner/Merchant Unique ID
additionalData	Object		Y
userId	String (18)		Y		Customer Id from Merchant
additionalInfo	Object		Y
additionalInfo	String (50)		Y		Additional information about customer (phone/email/etc)
merchantLogoUrl	String (300)		N		Merchant logo URL to show in OneKlik Registration Web

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)		Y		Response code
responseMessage	String (150)		Y		Response message description
referenceNo	String (32)		Y		Response reference number from OneKlik
additionalInfo	Object		C		Filled upon transaction with responseCode success
requestId	String (32)		Y		Request ID to open OneKlik Registration Web
randomString	String (16)		Y		Random String to generate token to open OneKlik Registration Web

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
200	2000700	Successful
400	4000700	Bad request
400	4000701	Invalid Field Format {field name}
400	4000702	Invalid Mandatory Field {field name}
401	4010701	Invalid token (B2B)
401	4010700	Unauthorized. [Reason]
403	4030701	Feature Not Allowed
403	4030704	Activity Count Limit Exceeded
404	4040708	Invalid Merchant
500	5000700	General Error
500	5000700	Internal Server Error
504	5040700	Timeout

curl –X POST https://sandbox.bca.co.id/openapi/oneklik/v1.0/registration-account-binding

Request

DEVICE WEB

-H 'CHANNEL-ID':'95221'
-H 'X-PARTNER-ID': '61123'
-H 'X-EXTERNAL-ID': 'ef343939477c4f19b01c7600ca487bc8'
-H 'X-IP-ADDRESS': '123.123.123.123'
-H 'X-DEVICE-ID': 'WEB||Mozilla/5.0 (Windows NT 10.0; Win64; x64)
AppleWebKit/537.36 (KHTML, like Gecko) Chrome/95.0.4638.69 Safari/537.36'
-d '
{
 "merchantId": "61123",
 "additionalData": {
 "userId": "customer01"
 },
 "additionalInfo": {
 "additionalInfo": "customer01@gmail.com",
 "merchantLogoUrl": " https://png.pngtree.com/pngvector/20190223/ourmid/pngtree-vector-picture-icon-png-image_695350.jpg"
 }
}'

DEVICE ANDROID/IOS

-H 'CHANNEL-ID':'95221'
-H 'X-PARTNER-ID': '61123'
-H 'X-EXTERNAL-ID': 'ef343939477c4f19b01c7600ca487bc8'
-H 'X-IP-ADDRESS': '123.123.123.123'
-H 'X-DEVICE-ID': '84723551-f7f0-452b-b9a5-b0f270752761||Mozilla/5.0 (iPhone; CPU
iPhone OS 14_8_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko)
Mobile/15E148'
-d '
{
 "merchantId": "61123",
 "additionalData": {
 "userId": "customer01"
 },
 "additionalInfo": {
 "additionalInfo": "customer01@gmail.com",
 "merchantLogoUrl": " https://png.pngtree.com/pngvector/20190223/ourmid/pngtree-vector-picture-icon-png-image_695350.jpg"
 }
}'

Response

{
 "responseCode": "2000700",
 "responseMessage": "Successful",
 "referenceNo": "37f89370b5034db0a283130c231dd27b",
 "additionalInfo": {
 "requestId": "2c90c800702d1234017033ab9a060003",
 "randomString": "g4BoEz43jfjVvAvN"
 }
}

2. SNAP OneKlik Account Binding Inquiry

This service is used to inquiry OneKlik Account Binding Status.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)		Y	Channel’s identifier (95221)
X-PARTNER-ID	Header	String(36)		Y	Partner/Merchant Unique ID
X-EXTERNAL-ID	Header	String (36)		Y	Reference Number from Partner/Merchant

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
additionalInfo	Object		Y		Must only fill one field : requestIds or userId
requestIds	Array of String [1..10] @32		C		Request ID to search registration status. Can be filled up to 10 strings
userId	String (18)		C		Customer id from merchant

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)		Y		Response code
responseMessage	String (150)		Y		Response message description
referenceNo	String (32)		C		Response reference number from OneKlik Filled if response success
additionalInfo	Object		C		Filled upon transaction with responseCode success
requestId	String (32)		C		Request ID used when registering account. Only show up when inquiry registration data
accountData	Array of Object		C		List of account. Sent if inquiry data successful. If input filled with requestId then Registration datas. If input filled with userId then Active account datas
xcoId	String (32)		C		Valid OneKlik Identifier when credential successfully registered to BCA. Only show up when data already active
credentialType	String (2)		C		Credential type. DC = Debit card CC = Credit card
credentialNumber	String (16)		C		Customer credential number (masked)
maxLimit	String (9)		C		OneKlik max daily limit registered
userId	String (18)		C		Customer id from merchant
merchantId	String (5)		C		Partner/Merchant Unique ID
createdDate	String		C	DateTime	Request Id created date. Format: ISO 8601 Note: registration data can only be inquiried maximum of 7 days
status	String (3)		Y		Registration Status REG = Registration in progress EXP = Expired ACT = Already activated (** does not define the latest account status) -= not found/already past 7 days Account Status ACT = Active BLK = Temporarily Blocked

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
200	2000800	Successful
400	4000800	Bad request
400	4000801	Invalid Field Format {field name}
400	4000802	Invalid Mandatory Field {field name}
401	4010801	Invalid token (B2B)
401	4010800	Unauthorized. [Reason]
403	4030801	Feature Not Allowed
404	4040808	Invalid Merchant
500	5000800	General Error
500	5000800	Internal Server Error
504	5040800	Timeout

With userId: curl –X POST https://sandbox.bca.co.idopenapi/oneklik/v1.0/registration-account-inquiry With requestIds: curl –X POST https://sandbox.bca.co.id/openapi/oneklik/v1.0/registration-accountbinding

Request

WITH userId

curl –X POST https://sandbox.bca.co.id/openapi/oneklik/v1.0/registration-account-inquiry
-H 'CHANNEL-ID':'95221'
-H 'X-PARTNER-ID': '61123'
-H 'X-EXTERNAL-ID': 'ef343939477c4f19b01c7600ca487bc8'
-d '
{
 "additionalInfo": {
 "userId": "customer01"
 }
}'


WITH requestIds

curl –X POST https://sandbox.bca.co.id/openapi/oneklik/v1.0/registration-accountbinding
-H 'CHANNEL-ID':'95221'
-H 'X-PARTNER-ID': '61123'
-H 'X-EXTERNAL-ID': 'ef343939477c4f19b01c7600ca487bc8'
-d '
{
 "additionalInfo": {
 "requestIds": [
 "2c90c800702d1234017033ab9a060003",
 "2c90c800702d1234017033ab9a060004",
 "2c90c800702d1234017033ab9a060005",
 "2c90c800702d1234017033ab9a060006"
 ]
 }
}'

Response

WITH userId

{
 "responseCode": "2000800",
 "responseMessage": "Successful",
 "referenceNo": "37f89370b5034db0a283130c231dd27b",
 "additionalInfo": {
 "accountData": [
 {
 "xcoId": "a6fe3266cafd4cddbe3d77e1a9855634",
 "credentialType": "DC",
 "credentialNumber": "************1234",
 "maxLimit": "1000000",
 "userId": "customer01",
 "merchantId": "61123",
 "createdDate": "2022-01-03T01:07:51+07:00",
 "status": "ACT"
 },
 {
"xcoId": "76feef3439394cddbe3d77e1a98556ab",
 "credentialType": "DC",
 "credentialNumber": "************5678",
 "maxLimit": "1000000",
 "userId": "customer01",
 "merchantId": "61123",
 "createdDate": "2022-01-03T01:10:49+07:00",
 "status": "BLK"
 }
 ]
 }
}

WITH requestIds

{
 "responseCode": "2000800",
 "responseMessage": "Successful",
 "referenceNo": "37f89370b5034db0a283130c231dd27b",
 "additionalInfo": {
 "accountData": [
 {
 "requestId": "2c90c800702d1234017033ab9a060003",
 "xcoId": "a6fe3266cafd4cddbe3d77e1a9855634",
 "credentialType": "DC",
 "credentialNumber": "************1234",
 "maxLimit": "1000000",
 "userId": "customer01",
 "merchantId": "61123",
 "createdDate": "2022-01-03T01:02:03+07:00",
 "status": "ACT"
 },
 {
 "requestId": "2c90c800702d1234017033ab9a060004",
 "userId": "customer02",
"merchantId": "61123",
 "createdDate": "2022-01-03T01:05:25+07:00",
 "status": "REG"
 },
 {
 "requestId": "2c90c800702d1234017033ab9a060005",
 "userId": "customer03",
 "merchantId": "61123",
 "createdDate": "2022-01-03T01:10:09+07:00",
 "status": "EXP"
 },
 {
 "requestId": "2c90c800702d1234017033ab9a060006",
 "status": "-"
 }
 ]
 }
}

3. SNAP OneKlik Account Unbinding

This service is used to unbinding OneKlik Account.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)		Y	Channel’s identifier (95221)
X-PARTNER-ID	Header	String(36)		Y	Partner/Merchant Unique ID
X-EXTERNAL-ID	Header	String (36)		Y	Reference Number from Partner/Merchant

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
merchantId	String (5)		Y		Partner/Merchant Unique ID
additionalInfo	Object		Y
xcoId	String (32)		Y		Valid OneKlik Identifier when credential successfully registered to BCA

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)		Y		Response code
responseMessage	String (150)		Y		Response message description
referenceNo	String (32)		C		Response reference number from OneKlik Filled if response success
unlinkResult	String (32)		C		Result of Unlinking process. “success”/”failed”
additionalInfo	Object		C		Filled upon transaction with responseCode success
xcoId	String (32)		Y		Valid OneKlik Identifier when credential successfully registered to BCA. Only show up when data already active.

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
200	2000900	Successful
400	4000900	Bad request
400	4000901	Invalid Field Format {field name}
400	4000902	Invalid Mandatory Field {field name}
401	4010901	Invalid token (B2B)
401	4010900	Unauthorized. [Reason]
403	4030901	Feature Not Allowed
404	4040911	Invalid Card/Account/Customer
500	5000900	General Error
500	5000900	Internal Server Error
504	5040900	Timeout

curl –X POST https://sandbox.bca.co.id/openapi/oneklik/v1.0/registration-account-unbinding

Request

-H 'CHANNEL-ID':'95221'
-H 'X-PARTNER-ID': '61123'
-H 'X-EXTERNAL-ID': 'ef343939477c4f19b01c7600ca487bc8'
-d '
{
 "merchantId": "61123",
 "additionalInfo": {
 "xcoId": "a6fe3266cafd4cddbe3d77e1a9855634"
 }
}'

Response

{
 "responseCode": "2000900",
 "responseMessage": "Successful",
 "referenceNo": "37f89370b5034db0a283130c231dd27b",
 "unlinkResult": "success",
 "additionalInfo": {
 "xcoId": "a6fe3266cafd4cddbe3d77e1a9855634"
 }
}

4. SNAP OneKlik Direct Debit Payment

This service is used to pre-processing OneKlik Registration by Generating OneKlik Registration Web Token.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)		Y	Channel’s identifier (95221)
X-PARTNER-ID	Header	String(36)		Y	Partner/Merchant Unique ID
X-EXTERNAL-ID	Header	String (36)		Y	Reference Number from Partner/Merchant
X-DEVICE-ID	Header	String (400)		Y	Customer Device Info Format: {device-id}\|\|{user-agent} device-id : - Android ID (Android) - UUID (iOS) - "WEB" (browser) user-agent : user agent device / browser (max 300 characters)
X-IP-ADDRESS	Header	String (15)		Y	Customer IP Address (IPv4 Format)

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
partnerReferenceNo	String (18)		Y		Transaction ID from Partner/Merchant
chargeToken	String (40)		C		Token to validate OTP. Received from Generate OTP service (service code 81). Mandatory if otp field filled
otp	String (6)		N		OTP from SMS to validate transaction (used on different device / on merchant’s accord)
merchantId	String (5)		Y		Partner/Merchant Unique ID
payOptionDetails	Array of Object (1)		Y		Payment options used for this payment
payMethod	String (64)		Y		Payment method. Fill with “ONEKLIK”
payOption	String (64)		Y		Payment option. Fill with “ONEKLIK_BCA”
transAmount	Object		Y		Total billed amount from customer (transaction amount + fee amount)
value	String (16.2)		Y	Numeric	TransAmount value
currency	String (3)		Y		TransAmount currency
feeAmount	Object		Y		Fee/Admin Fee for BCA
value	String (16.2)		Y	Numeric	FeeAmount value
currency	String (3)		Y		FeeAmount currency
additionalInfo	Object		Y
userId	String (18)		Y		Customer Id from Merchant
customerName	String (18)		Y		Customer name from Merchant. If sent more than 18 characters, it will be trimmed to 18 in BCA side
description	String (100)		Y		Transaction description
paymentType	String (7)		Y		Payment Type: FULL = full payment PARTIAL = partial payment
transactionTime	String		Y	DateTime	Transaction date and time from merchant. Format yyyy-MMddTHH:mm:ssTZD format (ISO 8601 format)
xcoId	String (32)		Y		Valid OneKlik Identifier when credential successfully registered to BCA
billDetails	Array of Object (5)		Y		Bill distributed to specified details
subBillAmount	String (16.2)		Y		Sub Bill amount that will be credited to the specified subCompanyCode
subCompanyCode	String (5)		Y		Sub Company Code. Filled with “00000” if none

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)		Y		Response code
responseMessage	String (150)		Y		Response message description
referenceNo	String (32)		C		Response reference number from OneKlik appear only on success transaction
partnerReferenceNo	String (18)		Y		Transaction ID from merchant
additionalInfo	Object		C		Filled upon transaction with responseCode success
status	String (50)		Y		Transaction status. “SUCCESS” = transaction success “DEVICE IS DIFFERENT” = OTP verification is required
billAmount	String (16.2)		C	Numeric	Total bill amount from merchant. Appear if status = "SUCCESS"
paidAmount	String (16.2)		C	Numeric	Total paid amount from customer. Appear if status = "SUCCESS"
msisdnList	Array of Object		C		List of phone number to send OTP. Appear if status = “DEVICE IS DIFFERENT”
phoneNumber	String (15)		Y		Masked customer phone number
phoneId	String (32)		Y		Phone id

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
200	2005400	Successful
202	2025400	Request In Progress
400	4005400	Bad request
400	4005401	Invalid Field Format {field name}
400	4005402	Invalid Mandatory Field {field name}
401	4015401	Invalid token (B2B)
401	4015400	Unauthorized. [Reason]
403	4035401	Feature Not Allowed
403	4035414	Insufficient Funds
403	4035402	Exceeds Transaction Amount Limit
403	4035412	OTP Lifetime Expired
403	4035418	Inactive Card/Account/Customer
404	4045411	Invalid Card/Account/Customer
404	4045408	Invalid Merchant
404	4045406	Need to Request OTP
404	4045412	Invalid Bill/Virtual Account total additionalInfo billDetails subBillAmount does not match transAmount.value
404	4045412	Invalid Bill/Virtual Account adminFee.value does not match
404	4045412	Invalid Bill/Virtual Account transAmount.value below transaction amount limit
404	4045412	Invalid Bill/Virtual Account transAmount.value above transaction amount limit
409	4095401	Duplicate partnerReferenceNo
500	5005400	General Error
500	5005400	Internal Server Error
504	5045400	Timeout

curl –X POST https://sandbox.bca.co.id/openapi/oneklik/v1.0/debit/payment-host-to-host

Request

Without OTP – without Subcompany – device type WEB

-H 'CHANNEL-ID':'95221'
-H 'X-PARTNER-ID': '61123'
-H 'X-EXTERNAL-ID': 'ef343939477c4f19b01c7600ca487bc8'
-H 'X-IP-ADDRESS': '123.123.123.123'
-H 'X-DEVICE-ID': 'WEB||Mozilla/5.0 (Windows NT 10.0; Win64; x64)
AppleWebKit/537.36 (KHTML, like Gecko) Chrome/95.0.4638.69 Safari/537.36'
-d '
{
 "partnerReferenceNo": "202010290000000001",
 "merchantId": "61123",
 "payOptionDetails": [
 {
 "payMethod": "ONEKLIK",
 "payOption": "ONEKLIK_BCA",
 "transAmount": {
 "value": "100000.00",
 "currency": "IDR"
 },
 "feeAmount": {
 "value": "1000.00",
 "currency": "IDR"
 }
 }
 ],
 "additionalInfo": {
 "userId": "customer01",
 "customerName": "John Smith",
 "description": "Payment for phone billing",
 "paymentType": "FULL",
 "transactionTime": "2020-10-29T00:00:01+07:00",
 "xcoId": " a6fe3266cafd4cddbe3d77e1a9855634",
 "billDetails": [
 {
 "subCompanyCode": "00000",
 "subBillAmount": "99000.00"
 }
 ]
 }
}'

With OTP – with Subcompany – device type MOBILE (iOS/Android)

-H 'CHANNEL-ID':'95051'
-H 'X-PARTNER-ID': '61123'
-H 'X-EXTERNAL-ID': 'ef343939477c4f19b01c7600ca487bc8'
-H 'X-IP-ADDRESS': '123.123.123.123'
-H 'X-DEVICE-ID': '84723551-f7f0-452b-b9a5-b0f270752761||Mozilla/5.0 (iPhone; CPU
iPhone OS 14_8_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko)
Mobile/15E148'
-d '
{
 "partnerReferenceNo": "202010290000000001",
 "merchantId": "61123",
 "chargeToken": "1a6418f60dad46b9bdb2216d1a641186",
 "otp": "123456",
 "payOptionDetails": [
 {
 "payMethod": "ONEKLIK",
 "payOption": "ONEKLIK_BCA",
 "transAmount": {
 "value": "100000.00",
 "currency": "IDR"
 },
 "feeAmount": {
 "value": "1000.00",
 "currency": "IDR"
 }
 }
 ],
 "additionalInfo": {
 "userId": "customer01",
 "customerName": "John Smith",
 "description": "Payment for phone billing",
 "paymentType": "FULL",
 "transactionTime": "2020-10-29T00:00:01+07:00",
"xcoId": " a6fe3266cafd4cddbe3d77e1a9855634",
 "billDetails": [
 {
 "subCompanyCode": "00000",
 "subBillAmount": "50000.00"
 },
 {
 "subCompanyCode": "12345",
 "subBillAmount": "49000.00"
 }
 ]
 }
}'

Response

{
 "responseCode": "2005400",
 "responseMessage": "Successful",
 "referenceNo": "37f89370b5034db0a283130c231dd27b",
 "partnerReferenceNo": "202010290000000001",
 "additionalInfo": {
 "status": "SUCCESS",
 "billAmount": "100000.00",
 "paidAmount": "100000.00"
 }


DEVICE IS DIFFERENT

{
 "responseCode": "4045406",
 "responseMessage": "Need to Request OTP",
 "partnerReferenceNo": "202010290000000001",
"additionalInfo": {
 "status": "DEVICE IS DIFFERENT",
 "msisdnList": [
 {
 "phoneId": "b5da903138c748a38264cea0424a191e",
 "phoneNumber": "0812XXXXX29"
 },
 {
 "phoneId": "2648cd3b308d4037bf4a3e75cc8988c9",
 "phoneNumber": "0817XXXXXX55"
 }
 ]
 }
}

5. SNAP OneKlik Direct Debit Payment Status

This service is used to inquiry OneKlik transaction status.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)		Y	Channel’s identifier (95251)
X-PARTNER-ID	Header	String(36)		Y	Partner/Merchant Unique ID
X-EXTERNAL-ID	Header	String (36)		Y	Reference Number from Partner/Merchant

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
originalPartnerReferenceNo	String (18)		Y		Transaction ID from Partner/Merchant
serviceCode	String (2)		Y		Original transaction service code. Fill with “54”

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)		Y		Response code
responseMessage	String (150)		Y		Response message description
originalReferenceNo	String (32)		C		Original Response reference number from OneKlik. Filled if response success
originalPartnerReferenceNo	String (18)		Y		Transaction ID from merchant
serviceCode	String (2)		Y		Original transaction service code. Filled with "54" (Direct Debit OneKlik)
latestTransactionStatus	String (2)		C	Numeric	00 - Success 01 - Initiated 02 - Paying 06 - Failed 07 - Not found
transAmount	Object		C		Total billed amount from customer (transaction amount + fee amount)
value	String (16.2)		Y	Numeric	TransAmount value
currency	String (3)		Y		TransAmount currency
feeAmount	Object		C		Fee/Admin Fee for BCA
value	String (16.2)		Y	Numeric	FeeAmount value
currency	String (3)		Y		FeeAmount currency
paidTime	String		C	DateTime	Timestamp when the payment done. Sent in yyyy-MMddTHH:mm:ssTZD format (ISO 8601 format)
additionalInfo	Object		C		Filled upon transaction with responseCode success
paidAmount	String (16.2)		C	Numeric	Total paid amount from customer.
isTimeout	String (1)		C	Y”/”N”	Indicates if status 06 is Timeout or not
chargeToken	String (32)		C		Charge token after Generate OTP for status 01

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
200	2005500	Successful
400	4005500	Bad request
400	4005501	Invalid Field Format {field name}
400	4005502	Invalid Mandatory Field {field name}
401	4015501	Invalid token (B2B)
401	4015500	Unauthorized. [Reason]
403	4035501	Feature Not Allowed
403	4035518	Inactive Card/Account/Customer
404	4045511	Invalid Card/Account/Customer
404	4045508	Invalid Merchant
500	5005500	General Error
500	5005500	Internal Server Error
504	5045500	Timeout

curl –X POST https://sandbox.bca.co.id/openapi/oneklik/v1.0/debit/status

Request

-H 'CHANNEL-ID':'95221'
-H 'X-PARTNER-ID': '61123'
-H 'X-EXTERNAL-ID': 'ef343939477c4f19b01c7600ca487bc8'
-d '
{
 "originalPartnerReferenceNo": "202010290000000001",
 "serviceCode": "54"
}'

Response

{
 "responseCode": "2005500",
 "responseMessage": "Successful",
 "originalReferenceNo": "37f89370b5034db0a283130c231dd27b",
 "originalPartnerReferenceNo": "202010290000000001",
 "serviceCode": "54",
 "latestTransactionStatus": "00",
 "transAmount": {
 "value": "100000.00",
 "currency": "IDR"
},
 "feeAmount": {
 "value": "1000.00",
 "currency": "IDR"
 },
 "paidTime": "2020-10-29T00:00:04+07:00",
 "additionalInfo": {
 "paidAmount": "100000.00"
 }
}


Success – Timeout Transaction

{
 "responseCode": "2005500",
 "responseMessage": "Successful",
 "originalReferenceNo": "37f89370b5034db0a283130c231dd27b",
 "originalPartnerReferenceNo": "202010290000000001",
 "serviceCode": "54",
 "latestTransactionStatus": "06",
 "transAmount": {
 "value": "100000.00",
 "currency": "IDR"
 },
 "feeAmount": {
 "value": "1000.00",
 "currency": "IDR"
 },
 "paidTime": "2020-10-29T00:00:04+07:00",
 "additionalInfo": {
 "paidAmount": "100000.00",
 "isTimeout": "Y"
 }
}

Success – Initiated Transaction (Need OTP)
{
 "responseCode": "2005500",
 "responseMessage": "Successful",
 "originalReferenceNo": "37f89370b5034db0a283130c231dd27b",
 "originalPartnerReferenceNo": "202010290000000001",
 "serviceCode": "54",
 "latestTransactionStatus": "06",
 "transAmount": {
 "value": "100000.00",
 "currency": "IDR"
 },
 "feeAmount": {
 "value": "1000.00",
 "currency": "IDR"
 },
 "paidTime": "2020-10-29T00:00:04+07:00",
 "additionalInfo": {
 "chargeToken": "1a6418f60dad46b9bdb2216d1a641186"
 }
}

6. SNAP OneKlik Inquiry OTP

This service is used to inquiry list of phone numbers that can be used to send OTP.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)		Y	Channel’s identifier (95221)
X-PARTNER-ID	Header	String(36)		Y	Partner/Merchant Unique ID
X-EXTERNAL-ID	Header	String (36)		Y	Reference Number from Partner/Merchant

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
merchantId	String (5)		Y		Partner/Merchant Unique ID
additionalInfo	Object		Y
xcoId	String (32)		Y		Valid OneKlik Identifier when credential successfully registered to BCA
userId	String (18)		Y		Customer Id from Merchant

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)		Y		Response code
responseMessage	String (150)		Y		Response message description
additionalInfo	Object		C		Filled upon transaction with responseCode success
msisdnList	Array of Object		Y		List of phone number to send OTP.
phoneNumber	String (15)		Y		Masked customer phone number
phoneId	String (32)		Y		Phone id

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
200	2008500	Successful
400	4008500	Bad request
400	4008501	Invalid Field Format {field name}
400	4008502	Invalid Mandatory Field {field name}
401	4018501	Invalid token (B2B)
401	4018500	Unauthorized. [Reason]
403	4038501	Feature Not Allowed
403	4038518	Inactive Card/Account/Customer
404	4048511	Invalid Card/Account/Customer
500	5008500	General Error
500	5008500	Internal Server Error
504	5048500	Timeout

curl –X POST https://sandbox.bca.co.id/openapi/oneklik/v1.0/payment/inquiry-phone-number

Request

-H 'CHANNEL-ID':'95221'
-H 'X-PARTNER-ID': '61123'
-H 'X-EXTERNAL-ID': 'ef343939477c4f19b01c7600ca487bc8'
-d '
{
 "merchantId": "61123",
 "additionalInfo": {
 "userId": "customer01",
 "xcoId": "a6fe3266cafd4cddbe3d77e1a9855634"
 }
}'

Response

{
 "responseCode": "2008500",
 "responseMessage": "Successful",
 "additionalInfo": {
 "msisdnList": [
 {
 "phoneId": "b5da903138c748a38264cea0424a191e",
 "phoneNumber": "0812XXXXX29"
 },
 {
 "phoneId": "2648cd3b308d4037bf4a3e75cc8988c9",
 "phoneNumber": "0817XXXXXX55"
 }
 ]
 }
}

7. SNAP OneKlik Notify Registration/Delete

This service is used to inquiry list of phone numbers that can be used to send OTP.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)		Y	Channel’s identifier (95221)
X-PARTNER-ID	Header	String(32)		Y	Partner/Merchant Unique ID
X-EXTERNAL-ID	Header	String (32)		Y	Reference Number from Partner/Merchant

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
additionalInfo	Object		Y
requestId	String (32)		C	Alphanumeric	Request ID used when registering account. Only show up when notifying activation data
xcoId	String (32)		Y	Alphanumeric	Valid OneKlik Identifier when credential successfully registered to BCA.
credentialType	String (2)		C	Alphanumeric	Credential type. DC = Debit card CC = Credit card
credentialNumber	String (16)		C	Alphanumeric	Customer credential number (masked)
maxLimit	String (9)		C	Numeric	OneKlik max daily limit registered
userId	String (18)		Y	Alphanumeric	Customer id from merchant
createdDate	String		Y	DateTime	Created / Deleted date. Format: ISO-8601
status	String(3)		Y	Alphanumeric	OneKlik Account Nofitication Status ACT = Activated DEL = Deleted

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)		Y	Numeric	Response code
responseMessage	String (150)		Y	Alphanumeric	Response message description
referenceNo	String (32)		C	Alphanumeric	Response reference from copartner. Filled if the response was success
additionalInfo	Object		C		Filled upon transaction with responseCode success
xcoId	String (32)		Y	Alphanumeric	XCO ID
responseWs	String (16)		Y	Alphanumeric	Response: 0 = Success 1 = Failed

POST https://copartners.com/oneklik/v2.0/notification

Request

Request (Activation Notification)

-H 'CHANNEL-ID':'95221'
-H 'X-PARTNER-ID':'61123'
-H 'X-EXTERNAL-ID': 'ef343939477c4f19b01c7600ca487bc8'
-d ' {
 "additionalInfo":{
"requestd":" 2c909de773e578f80173e600b7950018",
"xcoId":" 2c909de773e578f80173e600b7950019",
"createdDate":"2022-01-03T01:02:03+07:00",
"credentialNumber":"************1234",
"credentialType":"DC",
"maxLimit":"100000",
"userId":"customer01",
"status":"ACT"
}
}'

Request (Delete Account Notification)

-H 'CHANNEL-ID':'95221'
-H 'X-PARTNER-ID':'61123'
-H 'X-EXTERNAL-ID': 'ef343939477c4f19b01c7600ca487bc8'
-d ' {
 "additionalInfo":{
"xcoId":" 2c909de773e578f80173e600b7950019",
"createdDate":"2022-01-03T01:02:03+07:00",
"userId":"customer01",
"status":"DEL"
 }
}'

Response

{
 "responseCode": "2008600",
 "responseMessage": "Successful",
 "referenceNo": "37f89370b5034db0a283130c231dd27b",
 "additionalInfo": {
 "xcoId": "2c90c800702d1234017033ab9a060003",
 "responseWs": "0"
 }
}

8. SNAP OneKlik OTP

This service is used to generate and send OTP to customer phone to authorize payment.

Additional Headers:

Field	Params Type	Data Type	Length Type	Mandatory	Description
CHANNEL-ID	Header	String(5)		Y	Channel’s identifier (95221)
X-PARTNER-ID	Header	String(36)		Y	Partner/Merchant Unique ID
X-EXTERNAL-ID	Header	String (36)		Y	Reference Number from Partner/Merchant

Payload:

Field	Data Type	Length Type	Mandatory	Format	Description
journeyId	String (32)		Y		Journey Identifier. Must be equal with XEXTERNAL-ID header
bankCardToken	String (32)		Y		Card Token for Payment. Fill with XCOID
merchantId	String (5)		Y		Partner/Merchant Unique ID
partnerReferenceNo	String (18)		Y		Transaction ID from Partner/Merchant
trxDateTime	String		Y	DateTime	Transaction date and time from merchant. Format yyyy-MMddTHH:mm:ssTZD format (ISO 8601 format)
additionalInfo	Object		Y
userId	String (18)		Y		Customer Id from Merchant
transAmount	Object		Y		Total billed amount from customer (transaction amount + fee amount)
value	String (16.2)		Y	Numeric	TransAmount value
currency	String (3)		Y		TransAmount currency
phoneId	String (32)		Y		Phone id

Result of the request will contains following information:

Response:

Field	Data Type	Length Type	Mandatory	Format	Description
responseCode	String (7)		Y		Response code
responseMessage	String (150)		Y		Response message description
chargeToken	String (32)		C		String code for OTP verification. Sent when response code success / timeout
additionalInfo	Object		C		Filled upon transaction with responseCode success
xcoId	String (32)		Y		Valid Identifier when credential successfully registered to BCA
phoneId	String (32)		Y		Phone id
merchantId	String (5)		Y		Partner/Merchant Unique ID

Here is the list of error codes that can be returned.

HTTP Code	Error Code	Error Message
200	2008100	Successful
400	4008100	Bad request
400	4008101	Invalid Field Format {field name}
400	4008102	Invalid Mandatory Field {field name}
401	4018101	Invalid token (B2B)
401	4018100	Unauthorized. [Reason]
403	4038101	Feature Not Allowed
403	4038118	Inactive Card/Account/Customer
404	4048111	Invalid Card/Account/Customer
404	4048108	Invalid Merchant
429	4298100	Too Many Requests
500	5005100	General Error
500	5008500	Internal Server Error
504	5048500	Timeout

curl –X POST https://sandbox.bca.co.id/openapi/oneklik/v1.0/otp

Request

-H 'CHANNEL-ID':'95221'
-H 'X-PARTNER-ID': '61123'
-H 'X-EXTERNAL-ID': 'ef343939477c4f19b01c7600ca487bc8'
-d '
{
 "journeyId": "ef343939477c4f19b01c7600ca487bc8",
 "bankCardToken": "a6fe3266cafd4cddbe3d77e1a9855634",
 "merchantId": "61123",
 "partnerReferenceNo": "202010290000000001",
 "trxDateTime": "2020-10-29T00:00:01+07:00",
 "additionalInfo": {
 "userId": "customer01",
 "transAmount": {
 "value": "100000.00",
 "currency": "IDR"
 },
 "phoneId": "b5da903138c748a38264cea0424a191e"
 }
}'

Response

SUCCESS

{
 "responseCode": "2008100",
 "responseMessage": "Successful",
 "chargeToken": "1a6418f60dad46b9bdb2216d1a641186",
 "additionalInfo": {
 "xcoId": "a6fe3266cafd4cddbe3d77e1a9855634",
 "phoneId": "b5da903138c748a38264cea0424a191e",
 "merchantId": "61123"
 }
}

TIMEOUT

{
 "responseCode": "5048100",
 "responseMessage": "Timeout",
 "chargeToken": "1a6418f60dad46b9bdb2216d1a641186",
 "additionalInfo": {
 "xcoId": "a6fe3266cafd4cddbe3d77e1a9855634",
 "phoneId": "b5da903138c748a38264cea0424a191e",
 "merchantId": "61123"
 }
}

Foreign Exchange

1. Exchange Rate Inquiry

Inquiry exchange rate to be used on Forex Transaction API

Additional Headers:

Field	Data Type	Mandatory	Description
channel-id	String(5)	Y	Channel Identification Number (Ex: 95057 for JVALAS)
credential-id	String(10)	Y	CIN/CIS Example : 01234567890

Path Parameters:

Field	DataType	Mandatory	Description
cis	String(10)	Y	Customer number
currency-code	String(3)	Y	Foreign currency code. Following are the known foreign currency in BCA. AUD - Australia Dollar BND - Bruneian Dollar CAD - Canadian Dollar CHF - Francs CNY - China Yuan DKK - Danish Krone EUR - Euro GBP - Great Britain Poundsterling HKD - Hongkong Dollar JPY - Japan Yen KRW - Korea Won NOK - Norwegian Krone NZD - New Zealand Dollar PHP - Phillipine Peso SAR - Saudi Riyal SEK - Swedish Krona SGD - Singapore Dollar THB - Thailand Baht TWD - Taiwan Dollar USD - US Dollar If the field was left empty, it will considered as “all know currencies”.

Query Parameter

Field	Data Type	Mandatory	Description
settlement-type	String	Y	Param2 for decide Valas or Outward Remmitance (OR)

Result of the request will contains following information:

Response:

Field	DataType	Description
currency_code	String(3)	The currency code. e.g. IDR, USD, JPY
buy	String (13)	In format number(6.6). When the currency has no value for this field, it will be set to “-“.
sell	String (13)	In format number(6.6). When the currency has no value for this field, it will be set to “-“.
session_id	String (50)

Error

HTTP Code	Error Code	Error Message (Indonesian)	Error Message (English)
404	ESB-07-271	Tidak ada transaksi	No transaction
400	ESB-07-279	Tanggal awal lebih kecil dari tanggal buka rekening	Start date less than account open date
400	ESB-14-001	HMAC tidak cocok	HMAC mismatch
400	ESB-14-002	Permintaan tidak valid	Invalid request
400	ESB-14-003	Timestamp tidak valid	Invalid timestamp
400	ESB-14-004	parameter input tidak valid	Invalid input parameter
500	ESB-14-005	Sistem sedang dalam maintenance	System under maintenance
504	ESB-14-006	Timeout, silakan periksa mutasi rekening	Timeout, please check your account statement
504	ESB-14-007	Timeout	Timeout
401	ESB-14-008	client_id/client_secret/grant_type tidak valid	Invalid client_id/client_secret/grant_type
401	ESB-14-009	Tidak berhak	Unauthorized
429	ESB-14-010	Jumlah permintaan melebihi limit	Limit request exceeded
404	ESB-14-011	Service tidak ada	Service doesn’t exist
401	ESB-14-012	Tidak berhak mengakses service ini	Not allowed to access this service
400	ESB-99-009	Field Latitude harus diisi	Missing Mandatory field Latitude
400	ESB-99-009	Field Longitude harus diisi	Missing Mandatory field Longitude
400	ESB-99-039	Isian input field Count tidak valid	Input for field Count not valid
400	ESB-99-040	Tipe isian field Count tidak valid	Input type for field Count not valid
400	ESB-99-040	Tipe isian field Latitude tidak valid	Input type for field Latitude not valid
400	ESB-99-040	Tipe isian field Longitude tidak valid	Input type for field Longitude not valid
400	ESB-99-040	Tipe isian field Radius tidak valid	Input type for field Radius not valid
400	ESB-99-132	Data tidak ditemukan	No Data Found
400	ESB-99-335	Mata uang tidak valid	Invalid CurrencyCode
400	ESB-99-339	Tipe Kurs tidak valid	Invalid RateType
400	ESB-99-392	Nilai SearchBy tidak valid	Invalid SearchBy value
400	ESB-99-460	Panjang input Value tidak valid	Input Value minimal length invalid
500	ESB-99-999	Sistem sedang tidak tersedia	System unavaliable

GET /rate/management/customers/{cis}/currenc ies/{currency_code}

Request

GET
https://sandbox.bca.co.id/rate/management/customers/00000002120/currencies/USD?settle
ment-type=VALAS
-H "channel-id" : "95057"
-H "credential-id" : "00000002120"

Response

{
 "currency_code": "USD",
 "buy": "14058",
 "sell": "14068",
"session_id": "rHaaVK4vNlb713GMmdXFXB94MSfhZMwjL+Uqv9EKqwIpA1CGKcOF36IWHaa0DKqaBK6Im1mvzCRg9HMHUZ550w=="
}

2. Foreign Exchange Rate

Get information about Foreign Currency Exchange Rate for applicable currencies in BCA. The exchange rate are divide into four types eRate (Electronic Rate), TT (Telegrafic Transfer), TC (Travellers Cheque) and BN (Bank Notes).

Query String Parameters:

Field	DataType	Mandatory	Description
CurrencyCode	String	N	Known currency code. For multiple currencies use comma separated. Following are the known foreign currency in BCA. AUD - Australia Dollar BND - Bruneian Dollar CAD - Canadian Dollar CHF - Francs CNY - China Yuan DKK - Danish Krone EUR - Euro GBP - Great Britain Poundsterling HKD - Hongkong Dollar JPY - Japan Yen KRW - Korea Won NOK - Norwegian Krone NZD - New Zealand Dollar PHP - Phillipine Peso SAR - Saudi Riyal SEK - Swedish Krona SGD - Singapore Dollar THB - Thailand Baht TWD - Taiwan Dollar USD - US Dollar If the field was left empty, it will considered as “all know currencies”.
RateType	String	Y	The type for the desired rate. eRate (electronic Rate) TT (Telegrafic Transfer) TC (Travellers Cheque) BN (Bank Notes) If the field was left empty, it will considered as “all rate type”.

Result of the request will contains following information:

Response:

Field	DataType	Description
InvalidRateType	String	If the request contains valid and invalid rate types in single request, the invalid rate will be list down in this field.
InvalidCurrencyCode	String	If the request contains valid and invalid currency code in single request, the invalid currency code will be list down in this field.
Currencies
CurrencyCode	String (3)	The currency code. e.g. IDR, USD, JPY
RateDetail
RateType	String (5)	Must be among `erate, tt, tc, bn`.
Buy	String (13)	In format `6.6`. When the currency has no value for this field, it will be set to `"-"`.
Sell	String (13)	In format `6.6`. When the currency has no value for this field, it will be set to `"-"`.
LastUpdate	String (19)	In format `YYYY-MM-DDTHH24:Mi:SS`.SSSZ. When the currency has no value for this type, it will be set to `"-"`.

Error

HTTP Code	Error Code	Error Message (Indonesian)	Error Message (English)
404	ESB-07-271	Tidak ada transaksi	No transaction
400	ESB-07-279	Tanggal awal lebih kecil dari tanggal buka rekening	Start date less than account open date
400	ESB-14-001	HMAC tidak cocok	HMAC mismatch
400	ESB-14-002	Permintaan tidak valid	Invalid request
400	ESB-14-003	Timestamp tidak valid	Invalid timestamp
400	ESB-14-004	parameter input tidak valid	Invalid input parameter
500	ESB-14-005	Sistem sedang dalam maintenance	System under maintenance
504	ESB-14-006	Timeout, silakan periksa mutasi rekening	Timeout, please check your account statement
504	ESB-14-007	Timeout	Timeout
401	ESB-14-008	client_id/client_secret/grant_type tidak valid	Invalid client_id/client_secret/grant_type
401	ESB-14-009	Tidak berhak	Unauthorized
429	ESB-14-010	Jumlah permintaan melebihi limit	Limit request exceeded
404	ESB-14-011	Service tidak ada	Service doesn’t exist
401	ESB-14-012	Tidak berhak mengakses service ini	Not allowed to access this service
400	ESB-99-009	Field Latitude harus diisi	Missing Mandatory field Latitude
400	ESB-99-009	Field Longitude harus diisi	Missing Mandatory field Longitude
400	ESB-99-039	Isian input field Count tidak valid	Input for field Count not valid
400	ESB-99-040	Tipe isian field Count tidak valid	Input type for field Count not valid
400	ESB-99-040	Tipe isian field Latitude tidak valid	Input type for field Latitude not valid
400	ESB-99-040	Tipe isian field Longitude tidak valid	Input type for field Longitude not valid
400	ESB-99-040	Tipe isian field Radius tidak valid	Input type for field Radius not valid
400	ESB-99-132	Data tidak ditemukan	No Data Found
400	ESB-99-335	Mata uang tidak valid	Invalid CurrencyCode
400	ESB-99-339	Tipe Kurs tidak valid	Invalid RateType
400	ESB-99-392	Nilai SearchBy tidak valid	Invalid SearchBy value
400	ESB-99-460	Panjang input Value tidak valid	Input Value minimal length invalid
500	ESB-99-999	Sistem sedang tidak tersedia	System unavaliable

Foreign Exchange Rate

Request

GET /general/rate/forex?CurrencyCode=USD,JPY,XXX&RateType=erate,tt,yy HTTP/1.1
Host: sandbox.bca.co.id
Authorization: Bearer [access_token]
Content-Type: application/json
Origin: [yourdomain.com]
X-BCA-Key: [api_key]
X-BCA-Timestamp: [timestamp]
X-BCA-Signature: [signature]

Response

{
  "Currencies": [{
	"CurrencyCode": "USD",
	"RateDetail": [{
		"RateType": "erate"
		"Buy": 17500.00,
		"Sell": 17000.00,
		"LastUpdate": "2015-09-04T19:45:44.234+07:00",
		},
		{
		"RateType": "tt"
		"Buy": 12000.00,
		"Sell": 12300.00,
		"LastUpdate": "2015-09-04T19:45:44.234+07:00",
		}]
	},
	{
	"CurrencyCode": "JPY",
	"RateDetail": [{
		"RateType": "erate"
		"Buy": 121.00,
		"Sell": 122.00,
		"LastUpdate": "2015-09-04T19:45:44.234+07:00",
		},
		{
		"RateType": "tt"
		"Buy": -,
		"Sell": -,
		"LastUpdate": "-",
		}]
	}],
  "InvalidRateType":"yy"
  "InvalidCurrency":"XXX"
}

3. Forex Transaction

You can send fund transfer forex instructions to BCA using this service. The source of fund transfer must be from your corporate's own deposit account. The recipient may be any deposit account within domestic bank include BCA.

Additional Headers:

Field	Data Type	Mandatory	Description
channel-id	String(5)	Y	Channel Identification Number (Ex: 95057 for JVALAS)
credential-id	String(10)	Y	CIN/CIS Example : 01234567890

Path Parameters:

Field	DataType	Mandatory	Description
cis	String(10)	Y	Customer number
currency-code	String(3)	Y	Foreign currency code. Following are the known foreign currency in BCA. AUD - Australia Dollar BND - Bruneian Dollar CAD - Canadian Dollar CHF - Francs CNY - China Yuan DKK - Danish Krone EUR - Euro GBP - Great Britain Poundsterling HKD - Hongkong Dollar JPY - Japan Yen KRW - Korea Won NOK - Norwegian Krone NZD - New Zealand Dollar PHP - Phillipine Peso SAR - Saudi Riyal SEK - Swedish Krona SGD - Singapore Dollar THB - Thailand Baht TWD - Taiwan Dollar USD - US Dollar If the field was left empty, it will considered as “all know currencies”.

Query Parameter

Field	Data Type	Mandatory	Description
settlement-type	String	Y	Param2 for decide Valas or Outward Remmitance (OR)

Result of the request will contains following information:

Response:

Field	DataType	Description
currency_code	String(3)	The currency code. e.g. IDR, USD, JPY
buy	String (13)	In format number(6.6). When the currency has no value for this field, it will be set to “-“.
sell	String (13)	In format number(6.6). When the currency has no value for this field, it will be set to “-“.
session_id	String (50)

Error

HTTP Code	Error Code	Error Message (Indonesian)	Error Message (English)
404	ESB-07-271	Tidak ada transaksi	No transaction
400	ESB-07-279	Tanggal awal lebih kecil dari tanggal buka rekening	Start date less than account open date
400	ESB-14-001	HMAC tidak cocok	HMAC mismatch
400	ESB-14-002	Permintaan tidak valid	Invalid request
400	ESB-14-003	Timestamp tidak valid	Invalid timestamp
400	ESB-14-004	parameter input tidak valid	Invalid input parameter
500	ESB-14-005	Sistem sedang dalam maintenance	System under maintenance
504	ESB-14-006	Timeout, silakan periksa mutasi rekening	Timeout, please check your account statement
504	ESB-14-007	Timeout	Timeout
401	ESB-14-008	client_id/client_secret/grant_type tidak valid	Invalid client_id/client_secret/grant_type
401	ESB-14-009	Tidak berhak	Unauthorized
429	ESB-14-010	Jumlah permintaan melebihi limit	Limit request exceeded
404	ESB-14-011	Service tidak ada	Service doesn’t exist
401	ESB-14-012	Tidak berhak mengakses service ini	Not allowed to access this service
400	ESB-99-009	Field Latitude harus diisi	Missing Mandatory field Latitude
400	ESB-99-009	Field Longitude harus diisi	Missing Mandatory field Longitude
400	ESB-99-039	Isian input field Count tidak valid	Input for field Count not valid
400	ESB-99-040	Tipe isian field Count tidak valid	Input type for field Count not valid
400	ESB-99-040	Tipe isian field Latitude tidak valid	Input type for field Latitude not valid
400	ESB-99-040	Tipe isian field Longitude tidak valid	Input type for field Longitude not valid
400	ESB-99-040	Tipe isian field Radius tidak valid	Input type for field Radius not valid
400	ESB-99-132	Data tidak ditemukan	No Data Found
400	ESB-99-335	Mata uang tidak valid	Invalid CurrencyCode
400	ESB-99-339	Tipe Kurs tidak valid	Invalid RateType
400	ESB-99-392	Nilai SearchBy tidak valid	Invalid SearchBy value
400	ESB-99-460	Panjang input Value tidak valid	Input Value minimal length invalid
500	ESB-99-999	Sistem sedang tidak tersedia	System unavaliable

General Information

1. ATM BCA Location

Inquiry ATM information, such as, locate the nearest ATM to user or find by ATM Type, Name, Address or City.

Query String Parameters:

Field	DataType	Mandatory	Description
Latitude	String	Y	In format number( (-)3.12 ) Latitude of client location, possible for minus signed value.
Longitude	String	Y	In format number( (-)3.12 ) Longitude of client location, possible for minus signed value.
Count	String	N	Number of branches to search, in Integer. Maximum value = 20.
SearchBy	String	N	Possible values: Address/City/Type/Name
Radius	String	N	Branch distance (in meters) from client location, in Integer. *default = 500
Value	String	N	Value should be filled in : - String; If SearchBy = Address or City or Name - ATM, ANT, or CRM; If SearchBy = Type

Result of the request will contains following information:

Response:

Field	DataType	Description
atm_details	Array of Object	The object that hold information of the ATM.
WSID	String	ATM wsid
Type	String	ATM type eg: ATM Tarik Tunai ATM Non-Tunai ATM Setor Tarik
Name	String	ATM name
Address	String	ATM full address
City	String	ATM city
Country	String	ATM country
Latitude	String	ATM latitude
Longitude	String	ATM longitude
Distance	String	ATM distance from client location in meters

Error

HTTP Code	Error Code	Error Message (Indonesian)	Error Message (English)
404	ESB-07-271	Tidak ada transaksi	No transaction
400	ESB-07-279	Tanggal awal lebih kecil dari tanggal buka rekening	Start date less than account open date
400	ESB-14-001	HMAC tidak cocok	HMAC mismatch
400	ESB-14-002	Permintaan tidak valid	Invalid request
400	ESB-14-003	Timestamp tidak valid	Invalid timestamp
400	ESB-14-004	parameter input tidak valid	Invalid input parameter
500	ESB-14-005	Sistem sedang dalam maintenance	System under maintenance
504	ESB-14-006	Timeout, silakan periksa mutasi rekening	Timeout, please check your account statement
504	ESB-14-007	Timeout	Timeout
401	ESB-14-008	client_id/client_secret/grant_type tidak valid	Invalid client_id/client_secret/grant_type
401	ESB-14-009	Tidak berhak	Unauthorized
429	ESB-14-010	Jumlah permintaan melebihi limit	Limit request exceeded
404	ESB-14-011	Service tidak ada	Service doesn’t exist
401	ESB-14-012	Tidak berhak mengakses service ini	Not allowed to access this service
400	ESB-99-009	Field Latitude harus diisi	Missing Mandatory field Latitude
400	ESB-99-009	Field Longitude harus diisi	Missing Mandatory field Longitude
400	ESB-99-039	Isian input field Count tidak valid	Input for field Count not valid
400	ESB-99-040	Tipe isian field Count tidak valid	Input type for field Count not valid
400	ESB-99-040	Tipe isian field Latitude tidak valid	Input type for field Latitude not valid
400	ESB-99-040	Tipe isian field Longitude tidak valid	Input type for field Longitude not valid
400	ESB-99-040	Tipe isian field Radius tidak valid	Input type for field Radius not valid
400	ESB-99-132	Data tidak ditemukan	No Data Found
400	ESB-99-335	Mata uang tidak valid	Invalid CurrencyCode
400	ESB-99-339	Tipe Kurs tidak valid	Invalid RateType
400	ESB-99-392	Nilai SearchBy tidak valid	Invalid SearchBy value
400	ESB-99-460	Panjang input Value tidak valid	Input Value minimal length invalid
500	ESB-99-999	Sistem sedang tidak tersedia	System unavaliable

GET /general/info-bca/atm?SearchBy= &Latitude=&Longitude=&Value=&Radius=&Count=

Request

GET /general/info-bca/atm?Latitude=6.1900718&Longitude=106.797190 HTTP/1.1
Host: sandbox.bca.co.id
Authorization: Bearer [access_token]
Content-Type: application/json
Origin: [yourdomain.com]
X-BCA-Key: [api_key]
X-BCA-Timestamp: [timestamp]
X-BCA-Signature: [signature]

Response

{
    "atm_details": [
      {
        "WSID": "69715",
        "Type": "ATM",
        "Name": "221U-Mayapada Tower 2"
        "Address": "Jl. Jend. Sudirman Kav.28, Jakarta 12920",
        "City": "Jakarta Selatan",
        "Country": "INDONESIA",
        "Latitude": "-6.2112194",
        "Longitude": "106.8201026",
        "Distance": ""8243.97"
      },
      {
        "WSID": "84034",
        "Type": "ATM",
        "Name": "221U-Mayapada Tower 2"
        "Address": "Jl. Jend. Sudirman Kav.28, Jakarta 12920",
        "City": "Jakarta Selatan",
        "Country": "INDONESIA",
        "Latitude": "-6.2112194",
        "Longitude": "106.8201026",
        "Distance": ""8243.97"
      },
      {
        "WSID": "69765",
        "Type": "ATM",
        "Name": "2748-Prudential Tower 2"
        "Address": "Jl. Jend. Sudirman Kav.79 Jakarta Selatan",
        "City": "Jakarta Selatan",
      }
    ]
}

2. BCA Branches Location

Get information about nearest branch location by distance, address, city or branch type.

Query String Parameters:

Field	DataType	Mandatory	Description
Latitude	String	Y	In format number( (-)3.12 ) Latitude of client location, possible for minus signed value.
Longitude	String	Y	In format number( (-)3.12 ) Longitude of client location, possible for minus signed value.
Count	String	N	Number of branches to search, in Integer. Maximum value = 20.
Radius	String	N	Branch distance (in meters) from client location, in Integer. *default = 500
SearchBy	String	N	Possible values: Address/City/Type
Value	String	N	If SearchBy = Address or City, value should be filled in : String; If SearchBy = Type, value should be filled with: kcu , kcp, e-branch, weekendbanking

Result of the request will contains following information:

Response:

Field	DataType	Description
BranchDetails	Array of Object	The object that hold information of the branch.
Type	String	Branch type eg. KCU, KCP
Name	String	Branch name
Address	String	Branch full address
City	String	Branch city
Country	String	Branch country
Latitude	String	Branch latitude
Longitude	String	Branch longitude
Distance	String	Branch distance from client location in meters
E-Branch	String	“Y” if e-branch reservation is available otherwise it will be set to “N”
WeekendBankingOperation	String	The name of the day of weekend, “Saturday”, “Sunday” and “Saturday&Sunday”

Error

HTTP Code	Error Code	Error Message (Indonesian)	Error Message (English)
404	ESB-07-271	Tidak ada transaksi	No transaction
400	ESB-07-279	Tanggal awal lebih kecil dari tanggal buka rekening	Start date less than account open date
400	ESB-14-001	HMAC tidak cocok	HMAC mismatch
400	ESB-14-002	Permintaan tidak valid	Invalid request
400	ESB-14-003	Timestamp tidak valid	Invalid timestamp
400	ESB-14-004	parameter input tidak valid	Invalid input parameter
500	ESB-14-005	Sistem sedang dalam maintenance	System under maintenance
504	ESB-14-006	Timeout, silakan periksa mutasi rekening	Timeout, please check your account statement
504	ESB-14-007	Timeout	Timeout
401	ESB-14-008	client_id/client_secret/grant_type tidak valid	Invalid client_id/client_secret/grant_type
401	ESB-14-009	Tidak berhak	Unauthorized
429	ESB-14-010	Jumlah permintaan melebihi limit	Limit request exceeded
404	ESB-14-011	Service tidak ada	Service doesn’t exist
401	ESB-14-012	Tidak berhak mengakses service ini	Not allowed to access this service
400	ESB-99-009	Field Latitude harus diisi	Missing Mandatory field Latitude
400	ESB-99-009	Field Longitude harus diisi	Missing Mandatory field Longitude
400	ESB-99-039	Isian input field Count tidak valid	Input for field Count not valid
400	ESB-99-040	Tipe isian field Count tidak valid	Input type for field Count not valid
400	ESB-99-040	Tipe isian field Latitude tidak valid	Input type for field Latitude not valid
400	ESB-99-040	Tipe isian field Longitude tidak valid	Input type for field Longitude not valid
400	ESB-99-040	Tipe isian field Radius tidak valid	Input type for field Radius not valid
400	ESB-99-132	Data tidak ditemukan	No Data Found
400	ESB-99-335	Mata uang tidak valid	Invalid CurrencyCode
400	ESB-99-339	Tipe Kurs tidak valid	Invalid RateType
400	ESB-99-392	Nilai SearchBy tidak valid	Invalid SearchBy value
400	ESB-99-460	Panjang input Value tidak valid	Input Value minimal length invalid
500	ESB-99-999	Sistem sedang tidak tersedia	System unavaliable

GET /general/info-bca/branch

Request

GET /general/info-bca/branch?Latitude=-6.137235&Longitude=106.824928 HTTP/1.1
Host: sandbox.bca.co.id
Authorization: Bearer [access_token]
Content-Type: application/json
Origin: [yourdomain.com]
X-BCA-Key: [api_key]
X-BCA-Timestamp: [timestamp]
X-BCA-Signature: [signature]

Response

{
    "BranchDetails": [
      {
        "Type": "KCP",
        "Name": "Mangga Dua Mal",
        "Address": "Mangga Dua Mal No. RM. 49, Jl. Mangga Dua Raya,,,",
        "City": "Jakarta Pusat",
        "Country": "INDONESIA",
        "Latitude": "-6.137235",
        "Longitude": "106.824928",
        "Distance": "0"
        "E-Branch": "N"
        "WeekendBankingOperation": "Saturday&Sunday"
      },
      {
        "Type": "KCP",
        "Name": "Mangga Dua",
        "Address": "Pst. Perd. Grosir Psr Pagi Lt. 2 Bl. KA No. 001A-B,002 & 012, Jl. Arteri M.D.,,",
        "City": "Jakarta Utara",
        "Country": "INDONESIA",
        "Latitude": "-6.133801",
        "Longitude": "106.822994",
        "Distance": "437.63"
        "E-Branch": "N"
        "WeekendBankingOperation": "-"
      }
    ]
}

Financing

1. Cancel Invoice

You can cancel your invoice data which had been sent to BCA using this service, at least 1(one) day before disburse date.

Cut-off time: 08.00 P.M - 04.00 A.M (using UTC+07 Time Zone)

Your Request must contain following information:

Additional Headers

Field	DataType	Mandatory	Description
ChannelID	String(5)	Y	Channel’s identifier. Fill it with “95051”.
CredentialID	String(10)	Y	Channel’s credential (KlikBCA Bisnis Corporate ID)

Request

Field	Data Type	Mandatory	Description
TransactionID	String(20)	Y	Transaction ID unique per request (using UTC+07 Time Zone format). Must be 20 in length
TransactionDate	String(10)	Y	Transaction date. Format: yyyyMM-dd. Must be today’s date
ReferenceID	String(30)	Y	Sender’s invoice number. Must be same as previous created sender’s invoice number.
DistributorCode	String(20)	Y	Distributor Code. Format: Alphanumeric and Special Character
Amount	String(16)	Y	Transfer Amount. Format: Number, 13.2. Must be same as previous created invoice transfer amount
CurrencyCode	String(3)	Y	Currency Code. Format: Alphanumeric
PrincipalCode	String(11)	Y	Principal Code. Must be 11 in length. Format: Numeric
SubPrincipalCode	String(11)	Y	Sub Principal Code. Must be 11 in length. Disbursement to Sub Principal only. Format: Numeric.
DisburseDate	String(10)	Y	Transaction date. Format: yyyy-MM-dd. Must be same as previous created invoice disburse date

Response

Field	DataType	Description
TransactionID	String(20)	Transaction ID unique per request (using UTC+07 Time Zone format). Must be 20 in length
TransactionDate	String(10)	Transaction date. Format: yyyy-MM-dd. Must be today’s date
ReferenceID	String(30)	Sender’s invoice number. Must be unique
DistributorCode	String(20)	Distributor Code. Format: Alphanumeric and Special Character
Amount	String(16)	Transfer Amount. Format: Number, 13.2
CurrencyCode	String(3)	Currency Code. Format: Alphanumeric
PrincipalCode	String(11)	Principal Code. Must be 11 in length. Format: Numeric
SubPrincipalCode	String(11)	Sub Principal Code. Must be 11 in length. Disbursement to Sub Principal only. Format: Numeric.
DisburseDate	String(10)	Transaction date. Format: yyyy-MM-dd

Error

HTTP Code	Error Code	Error Message (Indonesian)	Error Message (English)
400	ESB-01-005	Data tidak ditemukan	No Data Found
400	ESB-11-005	Kode mata uang tidak vaild	Currency not valid
400	ESB-11-038	Prinsipal tidak aktif	Principal is inactive
400	ESB-11-040	Distributor tidak aktif	Distributor is not active
400	ESB-14-001	HMAC tidak cocok	HMAC mismatch
400	ESB-14-002	Permintaan tidak valid	Invalid request
400	ESB-14-003	Timestamp tidak valid	Invalid timestamp
500	ESB-14-005	Sistem sedang dalam maintenance	System under maintenance
504	ESB-14-007	Timeout	Timeout
401	ESB-14-008	client_id/client_secret/grant_type tidak valid	Invalid client_id/client_secret/grant_type
401	ESB-14-009	Tidak berhak	Unauthorized
429	ESB-14-010	Jumlah permintaan melebihi limit	Limit request exceeded
404	ESB-14-011	Service tidak ada	Service doesn’t exist
401	ESB-14-012	Tidak berhak mengakses service ini	Not allowed to access this service
504	ESB-14-013	Timeout. Silakan melakukan transaksi kembali	Timeout. Please retry your transaction
400	ESB-14-015	Content Type tidak valid	Invalid Content Type
400	ESB-14-016	Format JSON tidak valid	Invalid JSON format
400	ESB-82-002	Corporate ID tidak valid	Invalid Corporate ID
400	ESB-82-003	TransactionID tidak unik	TransactionID not unique
400	ESB-82-026	Lewat batas waktu cut off	Cut off time is exceeded
400	ESB-99-009	Field (0) harus diisi	Missing mandatory field (0)
400	ESB-99-113	Transaksi ditolak	Transaction rejected
400	ESB-99-128	Panjang field (0) melebihi ketentuan	Field (0) exceed limit
400	ESB-99-284	(0) tidak valid	Invalid (0)
400	ESB-99-524	ReferenceID sudah diproses pada tanggal (entry_date)	ReferenceID already processed by (entry_date)
400	ESB-99-559	Timeout. Silakan melakukan transaksi kembali	Timeout. Please retry your transaction
400	ESB-99-568	SubprincipalCode tidak terdaftar	SubprincipalCode is not registered
400	ESB-99-569	Tidak terdaftar untuk fitur Distributor Financing	Not registered for Distributor Financing features
400	ESB-99-573	TransactionDate harus diisi dengan tanggal hari ini	Transaction Date must be filled with today's date
400	ESB-99-655	Subprinsipal tidak aktif	Subprincipal is inactive

PUT /df/invoice

Request

PUT df/invoice HTTP/1.1
Host: sandbox.bca.co.id
Authorization: Bearer [access_token]
Content-Type: application/json
Origin: [yourdomain.com]
X-BCA-Key: [api_key]
X-BCA-Timestamp: [timestamp]
X-BCA-Signature: [signature]
ChannelID: [channelID]
CredentialID: [credentialID]

{
    "TransactionID" : "ABCDEFGHIJ0123456789",
    "TransactionDate" : "2018-02-15",
    "ReferenceID" : "INV0000001",
    "DistributorCode"" : "ABCDE-12345",
    "Amount" : "100000000.00",
    "CurrencyCode" : "IDR",
    "PrincipalCode"" : "00000000001",
    "DisburseDate"" : "2018-02-30",
}

Response

{
    "TransactionID" : "ABCDEFGHIJ0123456789",
    "TransactionDate" : "2018-02-15",
    "ReferenceID"" : "INV0000001",
    "DistributorCode" : "ABCDE-12345",
    "Amount" : "100000000.00",
    "CurrencyCode" : "IDR",
    "PrincipalCode" : "00000000001",
    "SubPrincipalCode" : "",
    "DisburseDate" : "2018-02-30"
}

2. Invoice Payment Notification

Service for BCA to send notification of disbursement.

Additional Headers

Field	DataType	Mandatory	Description
X-Pass-Signature	String(5)	Y	This is a header field, use to replace the “Pass” field on everybody payload that contains signature. This field occurred on every BCA request to Copartner’s API.

Request

Field	Data Type	Mandatory	Description
TransactionID	String(20)	Y	UUID as unique ID for every request
TransactionDate	String(10)	Y	Transaction date. Format: yyyyMM-dd. Must be today’s date
ReferenceID	String(30)	Y	Invoice number. Must be unique
DistributorCode	String(20)	Y	Distributor Code. Format: Alphanumeric and Special Character
Amount	String(16)	Y	Transfer Amount. Format: Number, 13.2
CurrencyCode	String(3)	Y	Currency Code. Format: Alphanumeric
PrincipalCode	String(11)	Y	Principal Code. Must be 11 in length. Format: Numeric
SubPrincipalCode	String(11)	Y	Sub Principal Code. Format : Numeric
DisburseDate	String(10)	Y	Transaction date. Format: yyyy-MM-dd

Response

Field	DataType	Description
TransactionID	String(20)	Same TransactionID from request. It’s a UUID
TransactionDate	String(10)	Transaction date. Format: yyyy-MM-dd. Must be today’s date
ReferenceID	String(30)	Invoice number. Must be unique
DistributorCode	String(20)	Distributor Code. Format: Alphanumeric and Special Character
Amount	String(16)	Transfer Amount. Format: Number, 13.2
CurrencyCode	String(3)	Currency Code. Format: Alphanumeric
PrincipalCode	String(11)	Principal Code. Must be 11 in length. Format: Numeric
SubPrincipalCode	String(11)	Sub Principal Code. Must be 11 in length. Disbursement to Sub Principal only. Format: Numeric.
DisburseDate	String(10)	Transaction date. Format: yyyy-MM-dd

POST https://www.copartners.com/bca-df/disbursement/notification

Request

POST https://www.copartners.com/bca-df/disbursement/notification HTTP/1.1
X-Pass-Signature: b9125ab10816f6929d214c96ffca77dfd5a1ea13856362b85eeaeb70155

{
    "TransactionID" : "65d5dd3474b44c5abbb0ce1cb5ff563f",",
    "TransactionDate" : "2018-02-15",
    "ReferenceID"" : "INV001923",",
    "PrincipalCode"" : "00000000001",
    "SubPrincipalCode"" : "",
    "DistributorCode" : "ABCDE-12345",
    "Amount" : "100000000.00",
    "CurrencyCode" : "IDR",
}

Response

{
    "TransactionID" : "65d5dd3474b44c5abbb0ce1cb5ff563f",",
    "TransactionDate" : "2018-02-15",
    "ReferenceID"" : "INV001923",",
    "PrincipalCode"" : "00000000001",
    "SubPrincipalCode"" : "00000000001",
    "DistributorCode" : "ABCDE-12345",
    "Amount" : "100000000.00",
    "CurrencyCode" : "IDR",
}

3. Invoice sending

You can send your invoice data to BCA using this service.
Cut-off time: 08.00 P.M - 04.00 A.M (using UTC+07 Time Zone)
Your Request must contain following information:

Additional Headers

Field	DataType	Mandatory	Description
ChannelID	String(5)	Y	Channel’s identifier. Fill it with “95051”.
CredentialID	String(10)	Y	Channel’s credential (KlikBCA Bisnis Corporate ID)

Payload

Field	Data Type	Mandatory	Description
TransactionID	String(20)	Y	Transaction ID unique per request (using UTC+07 Time Zone format). Must be 20 in length
TransactionDate	String(10)	Y	Transaction date. Format: yyyyMM-dd. Must be today’s date
ReferenceID	String(30)	Y	Sender’s invoice number. Must be unique
DistributorCode	String(20)	Y	Distributor Code. Format: Alphanumeric and Special Character
Amount	String(16)	Y	Transfer Amount. Format: Number, 13.2
CurrencyCode	String(3)	Y	Currency Code. Format: Alphanumeric
PrincipalCode	String(11)	Y	Principal Code. Must be 11 in length. Format: Numeric
SubPrincipalCode	String(11)	Y	Sub Principal Code. Must be 11 in length. Disbursement to Sub Principal only. Format: Numeric.
DisburseDate	String(10)	Y	Transaction date. Format: yyyyMM-dd

Response

Field	DataType	Description
TransactionID	String(20)	Transaction ID unique per request (using UTC+07 Time Zone format). Must be 20 in length
TransactionDate	String(10)	Transaction date. Format: yyyy-MM-dd. Must be today’s date
ReferenceID	String(30)	Sender’s invoice number. Must be unique
DistributorCode	String(20)	Distributor Code. Format: Alphanumeric and Special Character
Amount	String(16)	Transfer Amount. Format: Number, 13.2
CurrencyCode	String(3)	Currency Code. Format: Alphanumeric
PrincipalCode	String(11)	Principal Code. Must be 11 in length. Format: Numeric
SubPrincipalCode	String(11)	Sub Principal Code. Must be 11 in length. Disbursement to Sub Principal only. Format: Numeric.
DisburseDate	String(10)	Transaction date. Format: yyyy-MM-dd

Error

HTTP Code	Error Code	Error Message (Indonesian)	Error Message (English)
400	ESB-01-005	Data tidak ditemukan	No Data Found
400	ESB-11-005	Kode mata uang tidak vaild	Currency not valid
400	ESB-11-038	Prinsipal tidak aktif	Principal is inactive
400	ESB-11-040	Distributor tidak aktif	Distributor is not active
400	ESB-14-001	HMAC tidak cocok	HMAC mismatch
400	ESB-14-002	Permintaan tidak valid	Invalid request
400	ESB-14-003	Timestamp tidak valid	Invalid timestamp
500	ESB-14-005	Sistem sedang dalam maintenance	System under maintenance
504	ESB-14-007	Timeout	Timeout
401	ESB-14-008	client_id/client_secret/grant_type tidak valid	Invalid client_id/client_secret/grant_type
401	ESB-14-009	Tidak berhak	Unauthorized
429	ESB-14-010	Jumlah permintaan melebihi limit	Limit request exceeded
404	ESB-14-011	Service tidak ada	Service doesn’t exist
401	ESB-14-012	Tidak berhak mengakses service ini	Not allowed to access this service
504	ESB-14-013	Timeout. Silakan melakukan transaksi kembali	Timeout. Please retry your transaction
400	ESB-14-015	Content Type tidak valid	Invalid Content Type
400	ESB-14-016	Format JSON tidak valid	Invalid JSON format
400	ESB-82-002	Corporate ID tidak valid	Invalid Corporate ID
400	ESB-82-003	TransactionID tidak unik	TransactionID not unique
400	ESB-82-026	Lewat batas waktu cut off	Cut off time is exceeded
400	ESB-99-009	Field (0) harus diisi	Missing mandatory field (0)
400	ESB-99-113	Transaksi ditolak	Transaction rejected
400	ESB-99-128	Panjang field (0) melebihi ketentuan	Field (0) exceed limit
400	ESB-99-284	(0) tidak valid	Invalid (0)
400	ESB-99-524	ReferenceID sudah diproses pada tanggal (entry_date)	ReferenceID already processed by (entry_date)
400	ESB-99-559	Timeout. Silakan melakukan transaksi kembali	Timeout. Please retry your transaction
400	ESB-99-568	SubprincipalCode tidak terdaftar	SubprincipalCode is not registered
400	ESB-99-569	Tidak terdaftar untuk fitur Distributor Financing	Not registered for Distributor Financing features
400	ESB-99-573	TransactionDate harus diisi dengan tanggal hari ini	Transaction Date must be filled with today's date
400	ESB-99-655	Subprinsipal tidak aktif	Subprincipal is inactive

POST /df/invoice

Request

POST df/invoice HTTP/1.1
Host: sandbox.bca.co.id
Authorization: Bearer [access_token]
Content-Type: application/json
Origin: [yourdomain.com]
X-BCA-Key: [api_key]
X-BCA-Timestamp: [timestamp]
X-BCA-Signature: [signature]
ChannelID: [channelID]
CredentialID: [credentialID]

{
    "TransactionID" : "ABCDEFGHIJ0123456789",
    "TransactionDate" : "2018-02-15",
    "ReferenceID" : "INV0000001",
    "DistributorCode"" : "ABCDE-12345",
    "Amount" : "100000000.00",
    "CurrencyCode" : "IDR",
    "PrincipalCode"" : "00000000001",
    "DisburseDate"" : "2018-02-30",
}

Response

{
    "TransactionID" : "ABCDEFGHIJ0123456789",
    "TransactionDate" : "2018-02-15",
    "ReferenceID"" : "INV0000001",
    "DistributorCode" : "ABCDE-12345",
    "Amount" : "100000000.00",
    "CurrencyCode" : "IDR",
    "PrincipalCode" : "00000000001",
    "SubPrincipalCode" : "",
    "DisburseDate" : "2018-02-30"
}

4. Loan Payment Notification

Service for BCA to send notification of transaction limit update.

Additional Headers

Field	DataType	Mandatory	Description
X-Pass-Signature	String(5)	Y	This is a header field, use to replace the “Pass” field on everybody payload that contains signature. This field occurred on every BCA request to Copartner’s API.

Request

Field	Data Type	Mandatory	Description
TransactionID	String(32)	Y	UUID as unique ID for every request
DistributorCode	String(20)	Y	Distributor Code. Format: Alphanumeric and Special Character
PrincipalCode	String(11)	Y	Principal Code. Format: Numeric
Amount	String(16)	Y	Transfer Amount. Minus sign ( - ) is applied for corrective payment. Format: Number, 13.2.
TransactionDate	String(10)	Y	Transaction date. Format: yyyy-MM-dd

Response

Field	DataType	Description
TransactionID	String(32)	Same TransactionID from request. It’s a UUID
DistributorCode	String(20)	Same Distributor Code from request.

POST https://www.copartners.com/bca-df/txn-limit/notification

Request

POST https://www.copartners.com/bca-df/txn-limit/notification HTTP/1.1
X-Pass-Signature: b9125ab10816f6929d214c96ffca77dfd5a1ea13856362b85eeaeb70155

{
    "TransactionID" : "65d5dd3474b44c5abbb0ce1cb5ff563f",",
    "PrincipalCode"" : "00000000001",
    "DistributorCode"" : "ABCDE-12345",
    "Amount" : "100000000.00",
    "TransactionDate" : "2018-02-15",
}

Response

{
    "TransactionID" : "65d5dd3474b44c5abbb0ce1cb5ff563f",",
    "DistributorCode" : "ABCDE-12345",
}

5. Notification of credit facility status

Service for BCA to send notification of transaction limit update.

Additional Headers

Field	DataType	Mandatory	Description
X-Pass-Signature	String(5)	Y	This is a header field, use to replace the “Pass” field on everybody payload that contains signature. This field occurred on every BCA request to Copartner’s API.

Request

Field	Data Type	Mandatory	Description
TransactionID	String(32)	Y	UUID as unique ID for every request
DistributorCode	String(20)	Y	Distributor Code. Format: Alphanumeric and Special Character
PrincipalCode	String(11)	Y	Principal Code. Must be 11 in length. Format: Numeric
StopSupplyFlag	String(1)	Y	0 : Stop (Distributor Non-Aktif/Wanprestasi); 1: Open (Distributor Aktif)
TransactionDate	String(10)	Y	Transaction date. Format: yyyy-MM-dd

Response

Field	DataType	Description
TransactionID	String(32)	Same TransactionID from request. It’s a UUID
DistributorCode	String(20)	Same Distributor Code from request.

POST https://www.copartners.com/bca-df/stop-supply/notification

Request

POST https://www.copartners.com/bca-df/stop-supply/notification HTTP/1.1
X-Pass-Signature: b9125ab10816f6929d214c96ffca77dfd5a1ea13856362b85eeaeb70155

{
    "TransactionID" : "65d5dd3474b44c5abbb0ce1cb5ff563f",",
    "DistributorCode"" : "ABCDE-12345",
    "PrincipalCode"" : "00000000001",
    "TransactionDate" : "2018-02-15",
    "StopSupplyFlag"" : "1",
}

Response