Espay

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Introduction

Online Payment Solution Espay provides a secure and convenient online payment solution, by providing a variety of payment channels that make your online and and offline business easier.

Supported Countries

  • Indonesia 🇮🇩

Available Payment Methods

Payment TypePayment Method KeyCurrencyStatusSandbox Availability
Credit CardsESPAY_CREDIT_CARDIDR✅✅
BRI Virtual AccountESPAY_BRI_VAIDR✅✅
BRI E-PayESPAY_BRI_EPAYIDR✅❌
BRI Direct DebitESPAY_BRI_DIRECT_DEBITIDR✅❌
Mandiri Virtual AccountESPAY_MANDIRI_VAIDR✅✅
Permata Virtual AccountESPAY_PERMATA_VAIDR✅✅
Permata NetPayESPAY_PERMATA_NETPAYIDR✅❌
Danamon Virtual AccountESPAY_DANAMON_VAIDR✅✅
Maybank Virtual AccountESPAY_MAYBANK_VAIDR✅✅
BNI Virtual AccountESPAY_BNI_VAIDR✅❌
CIMB Niaga Virtual AccountESPAY_CIMB_NIAGA_VAIDR✅✅
Maspion Virtual AccountESPAY_MASPION_VAIDR✅✅
Artha Graha Virtual AccountESPAY_ARTHA_GRAHA_VAIDR✅✅
BTN Virtual AccountESPAY_BTN_VAIDR✅✅
BTPN Virtual AccountESPAY_BTPN_VAIDR✅❌
LinkAja walletESPAY_LINKAJAIDR✅✅
DANA WalletESPAY_DANAIDR✅❌
Ovo WalletESPAY_OVOIDR✅✅
ShopeePay WalletESPAY_SHOPEEPAYIDR✅❌
CIMB ClickESPAY_CIMB_CLICKIDR✅❌
CIMB Direct DebitESPAY_CIMB_DIRECT_DEBITIDR✅❌
AkulakuESPAY_AKULAKUIDR✅❌
QRISESPAY_QRISIDR✅✅

Refund Details

  • Multiple Partial Refunds are not supported for ESPAY transactions.
  • Only Credit Card Refund (full/partial) can be initialized from the merchant portal. For other payment method refunds please check ESPAY portal.
  • For international cards, the refund time will be from 7-14 days, depending on each bank SLA.

Miscellaneous Details

  • To integrate with ESPAY QRIS, merchants are required to whitelist the PortOne IP and get both the PortOne and ESPay Public keys configured from ESPay team for their ESPay MID.

  • Inquiry URL Settings : Share https://api.portone.cloud/inquire/espay/{PortOne_Key} as Inquiry URL with ESPAY team to configure the Inquiry URL for your account.

  • Webhook Settings : Copy the Webhook URL provided in the PortOne Admin Dashboard & share it with ESPAY team to configure the Webhook URL for your account.

  • In Billing details following fields are mandatory:

    • Billing Name
    • Billing Surname
    • Billing Email
    • Billing Phone

  • In Shipping details following fields are mandatory:

    • Shipping Name
    • Shipping Surname
    • Shipping Phone
    • Shipping Address - Line 1
    • Shipping Address - Line 2
    • Shipping Address - City
    • Shipping Address - Postal Code
    • Shipping Address - Country Code

Sandbox

Use following values in embedded JS code to pay via ESPAY channel

    "pmt_channel": "ESPAY",
    "pmt_method": { Any of above given payment method keys },

Credentials

Merchant CodeMerchant NameAPI KeySignaturePassword
SGWCHAIPAYCHAIPAYaa56978e5564934bce81433b9c2dcc846w61yuqltr3qh1ejIMFVI^|T?G

Test card data for Credit Card payment method

TypeCard number
Credit Card4546335124562623
Credit Card5104812441261692
Credit Card4111111111111111
Credit Card5500296757021801
Credit Card3566111111111113
Credit Card378282246310005
Credit Card4055778918139848
Credit Card5188287781273814
Credit Card4687407712737112

Test Phone details for OVO wallet

Mobile Number
081211111111

User login details for accessing ESPAY sandbox dashboard - VA Simulator and Linkaja Wallet Sandbox

URLCust IDUser IDUser NameUser Password
ESPAY sandbox dashboardCHAIPAY0016287654445CHAIPAY@PortOne123

Sample payload for initiatePayment

{
    "key": {portone_key},
    "merchant_order_id": {merchant_order_id},
    "amount": 20000,
    "currency": "IDR",
    "signature_hash": {signature_hash},
    "billing_details": {
        "billing_name": "Firstwewq",
        "billing_surame": "LAst21223",
        "billing_email": "[email protected]",
        "billing_phone": "+34324324",
    },
    "shipping_details": {
        "shipping_name": "First232",
        "shipping_surname":"LAst21223",
        "shipping_email": "[email protected]",
        "shipping_phone": "89359893980",
        "shipping_address": {
            "city": "City3",
            "country_code": "ID",
            "line_1": "Line 1",
            "line_2":"Line 2"
            "postal_code": "400202",
        }
    },
    "success_url": "https://dev-checkout.portone.cloud/success.html",
    "failure_url": "https://dev-checkout.portone.cloud/failure.html",
    "pending_url": "https://dev-checkout.portone.cloud/pending.html",
    "pmt_channel": "ESPAY",
    "pmt_method": { Any of above given payment method keys },
    "description":"Payment for the order #42140324",
    "environment":"sandbox"
}

Sample payload for paymentLink

{
    "portone_key": {portone_key},
    "merchant_details": {
        "name": "Test Company",
        "back_url": "https://dev-admin.portone.io",
        "promo_code": "NA",
        "promo_discount": 0,
        "shipping_charges": 0
    },
    "signature_hash": {signature_hash},
    "amount": 100000,
    "currency": "IDR",
    "country_code": "ID",
    "merchant_order_id": {merchant_order_id},
   "billing_details": {
        "billing_name": "First Middle Last",
        "billing_surame": "LAst21223",
        "billing_email": "[email protected]",
        "billing_phone": "+8959893980"
    },
    "shipping_details": {
        "shipping_name": "First Middle Last",
        "shipping_surname":"LAst21223",
        "shipping_email": "[email protected]",
        "shipping_phone": "8959893980",
        "shipping_address": {
            "line_1": "Line 1",
            "line_2":"Line 2",
            "city": "City",
            "postal_code": "400202",
            "country_code": "ID"
        }
    },
    "success_url": "https://dev-checkout.portone.cloud/success.html",
    "failure_url": "https://dev-checkout.portone.cloud/failure.html",
    "pending_url": "https://dev-checkout.portone.cloud/pending.html",
    "expiry_hours": 48,
    "source": "api",
    "description": "Payment for the order #42140324",
    "show_shipping_details": false,
    "show_back_button": false,
    "default_guest_checkout": true,
    "is_checkout_embed": false,
    "environment": "sandbox"
}

Reference links

Updated 11 days ago