Transaction API

About 2 min

Introduce

Service Code	91
Name	API Disbursement Cash Out
Version	1.0
HTTP Method	POST
Path	.../{version}/disbursement/cash-out

orderNo Inspection rule

orderNo is generated by the merchant and is globally unique and does not allow duplications
It is recommended to add the merchantId as a prefix to the order number to increase differentiation.
- in Sandbox Environment merchantId = sandbox-10001 must start with：S10001xxxxxxx
- in Production Environment merchantId = 10001 must start with：10001xxxxxxx
- Only numbers and letters are supported, no special symbols are allowed
If a transaction times out, the transaction Status is checked by calling the Inquiry Status interface through orderNo

Request Header

Field	Attribute	Type	Description
Content-Type	Mandatory	String	String represents indicate the media type of the resource (e.g. application/json, application/pdf)
Authorization	Mandatory	String	String starts with keyword “Bearer ” followed by access_token (e.g. Bearer eyJraWQiOi...Jzc29zIiiY)
X-TIMESTAMP	Mandatory	String	Merchant's current local time in yyyy-MM-ddTHH:mm:ssTZD format
X-SIGNATURE	Mandatory	String	Created using Symmetric signature HMAC_SHA512 algorithm. Refer to:Authentication Specification
ORIGIN	Optional	String	Origin Domain www.yourdomain.com
X-PARTNER-ID	Mandatory	String	MerchantID. Unique ID for a partner as MerchantID
X-EXTERNAL-ID	Mandatory	String	Numeric String. Reference number that should be unique in the same day
CHANNEL-ID	Mandatory	String	PJP’s channel id Device identification on which the API services is currently being accessed by the end user (customer)

Request Body Parameter

Field	Attribute	Type	Description
orderNo	Mandatory	String(32)	String transaction Unique ID
purpose	Mandatory	String(64)	String The reason to transaction
productDetail	Optional	String(128)	String The subject matter of this transaction
additionalParam	Optional	String(128)	String additional parameter
itemDetailList	Mandatory	List<ItemDetail>	Json String The products for this transaction. Refer to:`ItemDetail`
billingAddress	Optional	Address	Json String Address for billing. Refer to:`BillingAddress`
shippingAddress	Optional	Address	Json String Address for shipping. Refer to:`ShippingAddress`
money	Mandatory	Money	Json String Net amount of the transaction. Refer to:`Money`
merchant	Mandatory	Merchant	Json String merchant information. Refer to:`Merchant`
paymentMethod	Mandatory	String(6)	String Payment option which shows the provider of this payment. Refer to:`PaymentMethod`
cashAccount	Mandatory	String(32)	String Payment payout account. If DANA 62-8xxxxxxxxx
payer	Mandatory	Payer	Json String Disbursement initiator. Refer to:`Payer`
receiver	Mandatory	Receiver	Json String Trading beneficiaries. Refer to:`Receiver`
callbackUrl	Optional	String(64)	Callback to customer url

Response Body Parameter

Field	Attribute	Type	Description
responseCode	Mandatory	String(32)	String Response code. success=2009100
responseMessage	Mandatory	String(64)	String Response description
orderNo	Mandatory	String	String Disbursement identifier on service provider system. Must be filled upon successful transaction
tradeNo	Optional	String	String Disbursement identifier on service consumer system
status	Optional	String	String Disbursement status: PROCESSING, SUCCESS, FAILED... Refer to:`TransactionStatus`
merchant	Mandatory	Merchant	Json String Net amount of the transaction. Refer to:`Merchant`
disbursementTime	Mandatory	Merchant	String Disbursement time
money	Mandatory	Money	Json String Net amount of the transaction. Refer to:`Money`
channel	Mandatory	Payer	Json String Disbursement initiator. Refer to:`CashChannel`

Sample Parameter

Sample Request

curl -X POST 'https://sandbox-gateway.smilepay.id/v1.0/disbursement/cash-out' \
  -H 'Authorization: Bearer eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJuYmYiOjE3NDA0NzA0NzIsImV4cCI6MTc0MDQ3MTM3MiwiaWF0IjoxNzQwNDcwNDcyLCJNRVJDSEFOVF9JRCI6InNhbmRib3gtMTAwMDEifQ.eMcSoq4bSnJJOPhplQwW7wSz8f6rdh6U7Tv0L4lZxog' \
  -H 'X-TIMESTAMP: 2025-02-25T16:09:10+07:00' \
  -H 'X-SIGNATURE: J/ZlRT/pO+4z+Nnc+oyrfXcHcxlhc876ZDChnK5xtGBvOqP5n16uPZ45vsg6o7DQZuvIWrCHf9pZUAFOJiYZcA==' \
  -H 'ORIGIN:www.yourdomain.com' \
  -H 'X-PARTNER-ID: sandbox-10001' \
  -H 'X-EXTERNAL-ID: T_1737537970911' \
  -H 'CHANNEL-ID: 95221' \
  -H 'Content-Type: application/json' \
  -d '{
   		 "paymentMethod": "BCA",
   		 "cashAccount": "7031699382",
   		 "payer": {
   		     "name": "test",
   		     "email": "[email protected]",
   		     "phone": "0877983192",
   		     "address": "Jalan Pantai Mutiara TG6, Pluit, Jakarta"
   		 },
   		 "receiver": {
   		     "name": "smilepay",
   		     "email": "[email protected]",
   		     "phone": "0877983192",
   		     "address": "Jl. Pluit Karang Ayu 1 No.B1 Pluit"
   		 },
   		 "orderNo": "D_1740470950370",
   		 "purpose": "Paylabs SINARMAS ",
   		 "productDetail": "Product details",
   		 "additionalParam": "other descriptions",
   		 "itemDetailList": [
   		     {
   		         "name": "mac A1",
   		         "quantity": 1,
   		         "price": 1
   		     }
   		 ],
   		 "billingAddress": {
   		     "address": "Jl. Pluit Karang Ayu 1 No.B1 Pluit",
   		     "city": "jakarta",
   		     "postalCode": "14450",
   		     "phone": "0877983192",
   		     "countryCode": "Indonesia"
   		 },
   		 "shippingAddress": {
   		     "address": "Jl. Pluit Karang Ayu 1 No.B1 Pluit",
   		     "city": "jakarta",
   		     "postalCode": "14450",
   		     "phone": "0877983192",
   		     "countryCode": "Indonesia"
   		 },
   		 "money": {
   		     "currency": "IDR",
   		     "amount": 10000
   		 },
   		 "merchant": {
   		     "merchantId": "sandbox-10001"
   		 }
	 }'

Sample Response

{
    "tradeNo": "T102100012502251512079401",
    "orderNo": "D_1740470950370",
    "status": "PROCESSING",
    "disbursementTime": "2025-02-25T15:12:07+07:00",
    "merchant": {
        "merchantId": "sandbox-10001",
        "merchantName": "[email protected]",
        "accountNo": "000000000000",
        "shopName": null
    },
    "channel": {
        "paymentMethod": "BCA",
        "cashAccount": "7031699382",
        "accountName": null
    },
    "money": {
        "currency": "IDR",
        "amount": 10000
    },
    "responseCode": "2009100",
    "responseMessage": "Successful"
}