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Akulaku Guide

Jokul has partenered with various P2P Lending providers and one of them is Akulaku to provide Buy Now Pay Later. Learn more about how Jokul can help you integrate with Akulaku here.


Integration steps#

Here is the overview of how to integrate with Akulaku:

  1. Obtain payment.url by generating order
  2. Display Akulaku payment page to customer
  3. Acknowledge payment result
Jokul Direct - Akulaku Sequence DiagramJokul Direct Akulaku Merchant Flow

1. Obtain payment.url by generating order#

To generate order, you will need to hit this API through your Backend:

API Request#

TypeValue
HTTP MethodPOST
API endpoint (Sandbox)https://api-sandbox.doku.com/akulaku-peer-to-peer/v2/generate-order
API endpoint (Production)https://api.doku.com/akulaku-peer-to-peer/v2/generate-order

Here is the sample of request header to generate order:

Client-Id: MCH-0001-10791114622547Request-Id: baec7d95-f30a-4b78-b711-6ebe0ccdf50bRequest-Timestamp: 2021-07-07T08:45:42ZSignature: HMACSHA256=vl9DBTX5KhEiXmnpOD0TSm8PYQknuHPdyHSTSc3W6Ps=
Request Header Explanation
ParameterDescription
Client-IdClient ID retrieved from Jokul Back Office
Request-IdUnique random string (max 128 characters) generated from merchant side to protect duplicate request
Request-TimestampTimestamp 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
SignatureSecurity 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 request body to generate order:

{    "order": {        "invoice_number": "INV-20210707-0001",        "amount": 90000,        "line_items": [            {                "name": "T-Shirt Red",                "price": 30000,                "quantity": 2,                "sku": "1002",                "category": "Shirt"            },            {                "name": "Polo Navy",                "price": 30000,                "quantity": 1,                "sku": "1001",                "category": "Shirt"            }        ],        "callback_url": "https://merchant.com/return-url"    },    "payment": {        "merchant_unique_reference": "MUR-20210707-0001"    },    "customer": {        "id": "CUST-0001",        "name": "Anton Budiman",        "phone": "6285694566147",        "address": "Menara Mulia Lantai 8",        "city": "Jakarta Selatan",        "state": "DKI Jakarta",        "postcode": "120129"    }}
Request Body Explanation
ParameterTypeMandatoryDescription
order.invoice_numberstringMandatoryGenerated by merchant to identify the order and must unique per request
Allowed chars: alphabetic, numeric, special chars
Max length: 64
order.amountnumberMandatoryIn IDR currency and without decimal
Allowed chars: numeric
Max length: 12
order.line_items.namestringMandatoryName of the product item
Allowed chars: alphabetic, numeric, special chars
Max Length: 255
order.line_items.pricenumberMandatoryPrice of the product item. Total price and quantity must match with the order.amount
Allowed chars: numeric
Max Length: 12
order.line_items.quantitynumberMandatoryQuantity of the product item
Allowed chars: numeric
Max Length: 4
order.line_items.skustringMandatorySKU of the item in this transaction
order.line_items.categorystringMandatoryCategory of the item in this transaction
order.callback_urlstringMandatoryMerchant URL that will redirected to after the order completed
Allowed chars: alphabetic, numeric, special chars
payment.merchant_unique_referencestringMandatoryUnique reference number generated by merchant, can be same value as order.invoice_number
Allowed chars: alphabetic, numeric, special chars
Max length: 64
customer.idstringMandatoryUnique customer identifier generated by merchant
Allowed chars: alphabetic, numeric, special chars
Max Length: 50
customer.namestringMandatoryCustomer name that will be displayed on acquirer channel when do inquiry
Allowed chars: alphabetic, numeric, special chars
Max length: 64
customer.phonestringMandatoryCustomer phone number. Format: {calling_code}{phone_number}. Example: 6281122334455
Allowed chars: numeric
Max Length: 16
customer.addressstringOptionalCustomer address
Allowed chars: alphabetic, numeric, special chars
Max Length: 400
customer.citystringOptionalCustomer city
Allowed chars: alphabetic, numeric, special chars
Max Length: 64
customer.statestringOptionalCustomer province
Allowed chars: alphabetic, numeric, special chars
Max Length: 64

API Response#

After hitting the above API request, Jokul will give the response.

TypeValue
HTTP Status200
ResultSUCCESS
Client-Id: MCH-0001-10791114622547Request-Id: baec7d95-f30a-4b78-b711-6ebe0ccdf50bResponse-Timestamp: 2021-07-07T08:45:42ZSignature: HMACSHA256=9UPUFzOqJc47aJzD9ESOTcWg6TMsg3mqSP+DnUO8ENE=
Response Header Explanation
ParameterDescription
Client-IdSame as the request
Request-IdSame as the request
Response-TimestampTimestamp Response on UTC with format ISO8601 UTC+0 from Jokul
SignatureSignature generated by Jokul based on the response body

Here is the sample of response body:

{    "order": {        "invoice_number": "INV-20210707-0001",        "amount": 90000    },    "payment": {        "merchant_unique_reference": "MUR-20210707-0001",        "url": "https://test-mall.akulaku.com/v2/openPay.html?appId=15006801&refNo=MCH%2D0022%2D2599139268305MUR%2D20210712%2D0010&sign=Gd4XpzDEaxse6aoMQzpFNIGCSednnBT5X2iF5P%2DkLswSJGFCndyCER8IfeWI7n3t4XrwNAEevO2x2wuwkN5sjw",        "status": "PENDING",        "identifier": [            {                "name": "ORDER_ID",                "value": "1000035148"            },            {                "name": "AKULAKU_UNIQUE_REFERENCE",                "value": "MCH-0001-10791114622547MUR-20210707-0001"            }        ]    }}
Response Body Explanation
ParameterTypeMandatoryDescription
order.invoice_numberstringMandatorySame as the request
order.amountnumberMandatorySame as the request
payment.merchant_unique_referencestringMandatorySame as the request
payment.urlstringMandatoryAkulaku payment page URL to display for the customer
payment.statusstringMandatoryThe current payment status
Possible value:
PENDING: continue redirect the customer to payment.url.
FAILED: Retry generate order with different order.invoice_number and payment.merchant_unique_reference
payment.identifierarrayOptionalList of transaction identifier that coming from the acquiring. Merchant can save these data for reference

2. Display Akulaku payment page to customer#

Once you have the payment.url, you can now display the payment page by redirecting your customer to the Akulaku payment page.

After the customer completed the payment, they will be redirected to the defined order.callback_url that you set on the API request.


3. Acknowledge payment result#

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


Additional features#

We provide various additional features to suited your needs. Learn more here.

Cancel Order#

If you wish to cancel your order request, you can do that by hitting the API with POST method:

API Request#

TypeValue
HTTP MethodPOST
API endpoint (Sandbox)https://api-sandbox.doku.com/akulaku-peer-to-peer/v2/cancel
API endpoint (Production)https://api.doku.com/akulaku-peer-to-peer/v2/cancel

Here is the sample of request header to Cancel Order:

Client-Id: MCH-0001-10791114622547Request-Id: 2dc5985e-adaa-4f82-b126-b09e9006da14Request-Timestamp: 2020-08-11T08:45:42ZSignature: HMACSHA256=vl9DBTX5KhEiXmnpOD0TSm8PYQknuHPdyHSTSc3W6Ps=
Request Header Explanation
ParameterDescription
Client-IdClient ID retrieved from Jokul Back Office
Request-IdUnique random string (max 128 characters) generated from merchant side to protect duplicate request
Request-TimestampTimestamp 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
SignatureSecurity 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 Cancel Order:

{    "order": {        "invoice_number": "MINV20201231468"    },    "payment": {        "merchant_unique_reference": "ABC0001",        "identifier": [        {             "name": "AKULAKU_UNIQUE_REFERENCE",             "value": "MCH-12345678ABC0001"        },        {             "name": "ORDER_ID",             "value": "893102"        }        ]    }}
Request Body Explanation
ParameterTypeMandatoryDescription
order.invoice_numberstringSame as the generate VA request
payment.merchant_unique_referencestringMandatoryUnique reference number of merchant's order. generated by merchant. Please note, this reference is unique per request.
payment.identifierobjectOptionalKey Value pairing data

API Response#

After hitting the above API request, Jokul will give the response.

TypeValue
HTTP Status200
ResultSUCCESS
Client-Id: MCH-0001-10791114622547Request-Id: 09e0defe-a071-45b3-9feb-ac134374628cResponse-Timestamp: 2020-08-11T08:45:42ZSignature: HMACSHA256=9UPUFzOqJc47aJzD9ESOTcWg6TMsg3mqSP+DnUO8ENE=
Response Header Explanation
ParameterDescription
Client-IdSame as the request
Request-IdSame as the request
Response-TimestampTimestamp Response on UTC with format ISO8601 UTC+0 from Jokul
SignatureSignature generated by Jokul based on the response body

Here is the sample of response body:

{    "order": {        "invoice_number": "MINV20201231468",        "amount": 100000    },    "payment": {        "status": "CANCELLED",        "date": "2020-08-11T08:50:02Z",        "merchant_unique_reference": "ABC0001",        "identifier": [        {             "name": "AKULAKU_UNIQUE_REFERENCE",             "value": "MCH-12345678ABC0001"        },        {             "name": "ORDER_ID",             "value": "893102"        }        ]    },    "cancel": {        "status": "SUCCESS",        "date": "2020-08-11T08:50:02Z"    },    "error":{        "message": "Order Not Found"    }}
Response Body Explanation
ParameterTypeMandatoryDescription
order.invoice_numberstringMandatorySame as the request
`order.amountnumberMandatorySame as the request
payment.statusstringMandatoryStatus of the payment.

Possible Value:
1. SUCCESS = If Akulaku approved payment request
2. FAILED = If Akulaku reject payment request.
payment.datestringMandatoryDate time of Akulaku will be expired with the format of yyyyMMddHHmmss. The expired date uses UTC+7 time. Use this to set the expiry order on merchant side
payment.merchant_unique_referenceobjectMandatoryUnique reference number of merchant's order. generated by merchant. Please note, this reference is unique per request.
cancel.statusstringMandatoryStatus of Cancel.

Possible Value:
1. SUCCESS = If Cancellation success
2. FAILED = If Cancellation failed.
cancel.datestringMandatoryDate time of Order Akulaku already cancel.

Jokul Fin - Split Settlement#

If you are a platform or a marketplace, you can use this feature to settle the funds to your sellers or partners programmatically, save many operational efforts.