Direct Transfer Integration Guide

Preparation

Make sure you already have a Client ID & Secret Key to continue this section. Please refer to this section.

Integration Steps

Obtain payment.url on Backend
Display Direct Transfer Page on Frontend
Create test payment
Acknowledge payment result

Direct Transfer Sequence Diagram

Direct Transfer Corporate - Merchant Flow

1. Obtain Payment URL on Backend

To obtain Direct Transfer you need to hit this API through your Backend :

API Request

Type	Value
HTTP Method	POST
API endpoint (Sandbox)	`https://api-sandbox.doku.com/bca-direct-transfer/v1/order`
API endpoint (Production)	`https://api.doku.com/bca-direct-transfer/v1/order`

Here is the sample of request header to generate payment code:

Client-Id: MCH-0001-10791114622547
Request-Id: 15022aab-444f-4b04-afa8-ddfce89432ec
Request-Timestamp: 2020-08-11T08:45:42Z
Signature: HMACSHA256=vl9DBTX5KhEiXmnpOD0TSm8PYQknuHPdyHSTSc3W6Ps=

Request Header Explanation

Parameter	Description
Client-Id	Client ID retrieved from DOKU Back Office
Request-Id	Unique random string (max 128 characters) generated from merchant side to protect duplicate request
Request-Timestamp	Timestamp request on UTC time in ISO8601 UTC+0 format. It means to proceed transaction on UTC+7 (WIB), merchant need to subtract time with 7. Ex: to proceed transaction on September 22th 2020 at 08:51:00 WIB, the timestamp should be 2020-09-22T01:51:00Z
Signature	Security parameter that needs to be generated on merchant Backend and placed to the header request to ensure that the request is coming from valid merchant. Please refer to this section to generate the signature

Here is the sample of request body to generate payment code:

{
    "order": {
        "invoice_number": "INV-20210124-0001",
        "amount": 10000,
        "item_name": "White T-Shirt",
        "customer_adress" : "Menara Mulia, Jakarta Selatan"
    },
    "customer": {
        "name": "Anton Budiman",
        "email": "anton@example.com"
    },
    "additional_info": {
        "hold_settlement": false,
        "report": [
            {
                "key": "string",
                "value": "string"
            }
        ],
        "settlement":[
            {
                "bank_account_settlement_id": "SBA-0403-1633576353470",
                "value": 50,
                "type":"PERCENTAGE"
            },
            {
                "bank_account_settlement_id": "SBA-0004-20211007102624009",
                "value": 30,
                "type":"PERCENTAGE"
            },
            {
                "bank_account_settlement_id": "SBA-0004-20211007102634009",
                "value": 20,
                "type":"PERCENTAGE"
            }
        ],
        "account": {
            "id": "SAC-0001234234"
        }
    } 
}

Request Body Explanation

Parameter	Type	Mandatory	Description
`order.invoice_number`	`string`	Mandatory	Generated by merchant to identify the order and must unique per request Allowed chars: `alphabetic, numeric, special chars` Max length: `64`
`order.amount`	`number`	Mandatory	In IDR currency and without decimal. Allowed chars: `numeric` Max length: `12`
`order.item_name`	`string`	Optional	Name of the product item Allowed chars: `alphabetic, numeric, spesial chars` Max length: `255`
`order.customer_address`	`string`	Optional	Customer address Allowed chars: `alphabeticc,numeric,spesial chars` Max length: `400`
`customer.name`	`string`	Mandatory	Customer name Allowed chars: `alphabetic` Max length: `255`
`customer.email`	`string`	Optional	Customer email Allowed chars: `alphabetic, numeric, special chars` Max length: `128`
`additional_info.hold_settlement`	`boolean`	Optional	For hold and release settlement feature. More details in here
`additional_info.report.key`	`string`	Optional	For custom your settlement report. More details in here
`additional_info.report.value`	`string`	Optional	For custom your settlement report. More details in here
`additional_info.settlement.bank_account_settlement_id`	`string`	Optional	For split settlement feature. More details in here
`additional_info.settlement.value`	`string`	Optional	For split settlement feature. More details in here
`additional_info.settlement.type`	`string`	Optional	For split settlement feature. More details in here
`additional_info.account.id`	`string`	Optional	ID of your Sub Account, use this id to create transactions on behalf of your Partner. More details in here

API Response

Type	Value
HTTP Status	200
Result	SUCCESS

Client-Id: MCH-0001-10791114622547
Request-Id: 15022aab-444f-4b04-afa8-ddfce89432ec
Response-Timestamp: 2020-08-11T08:45:42Z
Signature: HMACSHA256=9UPUFzOqJc47aJzD9ESOTcWg6TMsg3mqSP+DnUO8ENE=

Response Header Explanation

Parameter	Description
Client-Id	Same as the request
Request-Id	Same as the request
Response-Timestamp	Timestamp Response on UTC with format ISO8601 UTC+0 from DOKU
Signature	Signature generated by DOKU based on the response body

Here is the sample of response body :

{
    "order": {
        "invoice_number": "INV-20210124-0001",
        "amount": 10000,
        "item_name": "White T-Shirt",
        "customer_adress" : "Menara Mulia, Jakarta Selatan"
    },
    "customer": {
        "name": "Anton Budiman",
        "email": "anton@example.com"
    },
    "direct_transfer_info": {
        "created_date": "2021-10-18T07:15:15Z",
        "account_number": "0201245680",
        "how_to_pay_page": "https://app-sandbox.doku.com/direct-transfer/v1/how-to-pay?id=iTFRhfwnY%2F2YIwInQxSLcQ%3D%3d%7CDEV-AA%7C2%7C2%7CHe7vSVOPLaf%2FuNzhvrH%2FQ%3D%3D",
        "how_to_pay_api": "https://api-sandbox.doku.com/direct-transfer/v1/how-to-pay?id=iTFRhfwnY%2F2YIwInQxSLcQ%3D%3d%7CDEV-AA%7C2%7C2%7CHe7vSVOPLaf%2FuNzhvrH%2FQ%3D%3D",
        "account_name": "PT Nusa Satu Inti Artha",
        "expired_date": "2021-10-18T10:15:18Z",
        "total_amount": 10543,
        "unique_amount" : 543
    } 
}

Response Body Explanation

Parameter	Type	Mandatory	Description
`order.invoice_number`	`string`	Mandatory	Same as the request
`order.amount`	`number`	Mandatory	Same as the request
`order.item_name`	`string`	Optional	Same as the request
`order.customer_address`	`string`	Optional	Same as the request
`customer.name`	`string`	Mandatory	Same as the request
`customer.email`	`string`	Optional	Same as the request
`direct_transfer_info.created_date`	`string`	Mandatory	Payment order date generated by DOKU with SimpleDateFormat `yyyy-MM-dd’T’HH:mm:ss’Z’`. The created date uses UTC+7 time
`direct_transfer_info.account_number`	`number`	Mandatory	Merchant’s account number registered on acquirer that will be used by customer for doing a payment through acquirer channel (eg. ATM, Internet Banking, Mobile Banking)
`direct_transfer_info.how_to_pay_page`	`string`	Optional	Page URL that merchant can use to display how customer can complete the payment process through acquirer channel (eg. ATM, Internet Banking, Mobile Banking)
`direct_transfer_info.account_name`	`string`	Mandatory	Merchant’s account name registered on acquirer
`direct_transfer_info.expired_date`	`string`	Mandatory	Date and time when Direct Transfer will expire exactly 3 hours after payment created date with SimpleDateFormat `yyyy-MM-dd’T’HH:mm:ss’Z’`. The created date uses UTC+7 time.
`direct_transfer_info.total_amount`	`number`	Mandatory	The amount the customer has to pay. It is the sum of order amount and unique amount
`direct_transfer_info.unique_amount`	`number`	Mandatory	Unique amount generated from 3-last digit order amount as an identifier.

Display Payment URL ( Direct Transfer Page)

You can display payment URL as an iFrame using how_to_pay_page or as a dedicated page to your customer by using how_to_pay_api that you retrieved from API Response. Here is the sample of Direct Transfer on the iFrame:

Create Test Payment

You can try the payment with Direct Transfer like the example on Direct Transfer Summary Report page below :

The status will be updated as SUCCESS if the customer has finished the payment process.

Temporary Simulator

If you want to simulate the payment, you can input the amount in the request payment with 10000, so our system can automate simulate the payment with success transaction.

Acknowledge Payment Result

After the payment is made by your customer, DOKU will send HTTP Notification to your defined Notification URL. Learn how to handle the notification from DOKU here

View your transaction

You can monitor all transactions you have from various payment channel services you have activated including Direct Transfers. Learn more about it here.

Invoice

You can learn more about the invoice you need to pay on here.

What's next?

Congratulations! Now you are ready to go live. Make sure you have registered to our production environment and the business has been approved by our team.

Explore the New API Documentation!

Preparation​

Integration Steps​

1. Obtain Payment URL on Backend​

API Request​

API Response​

Display Payment URL ( Direct Transfer Page)​

Create Test Payment​

Temporary Simulator

Acknowledge Payment Result​

View your transaction​

Invoice​

What's next?​

Preparation

Integration Steps

1. Obtain Payment URL on Backend

API Request

API Response

Display Payment URL ( Direct Transfer Page)

Create Test Payment

Acknowledge Payment Result

View your transaction

Invoice

What's next?