QuickPay Transaction API

Seamless and hassle free checkout experience process

This section will show you how you can tokenize the user and make the payment more seamless with Indodana. With this QuickPay checkout integration, Indodana user can enjoy the easy & fast checkout experience on your platform. Contrast to normal checkout, user with QuickPay checkout activated won't have to input credentials / sign-in to Indodana platform on every transaction. The user will directly proceed to checkout your transaction if we don't detect any suspicious behavior after you redirect the user to our checkout page.

This section only covers the specific QuickPay API integration, so we recommend you to read the Direct API Integration first for general integration information.

User Tokenization Options

This section will guide you on how to get the Indodana QuickPay user token. The Indodana QuickPay user token is a long live unique token per-user that you can store in your system. You need to pass this Indodana QuickPay user token when checkout to enable seamless transaction experience without user sign-in process.

Indodana provides two tokenization flows :

  • Explicit user tokenization from merchant's platform menu The explicit user tokenization is a flow when user explicitly says that he/she wants to tokenize Indodana account on your platform menu. Upon successful authorization, your system will get the Indodana QuickPay user token via callback request.

  • User tokenization on checkout User tokenization on checkout is a flow when user does tokenization while he/she checkouts transactions on your platform using Indodana. Upon successful transaction, your system will get Indodana QuickPay user token via callback request.

API Method References

post
Indodana Connect Account

https://{baseUrl}/v1/connect
Use this API to initiate user tokenization. After calling this API, you will get a redirection URL for the user to authorize your tokenization request. You need to redirect user to the redirection url and upon successful authorization, you will get the Indodana QuickPay user token from the callback.
Request
Response
Request
Headers
Authorization
required
string
The generated authentication signature with format Bearer {api_key}:{nonce}:{signature}
Body Parameters
merchantUserKey
required
string
User identifier in merchant's platform. Indodana will send the Indodana QuickPay token alongside this information so you know the owner of token.
phoneNumber
required
string
Phone number of user in merchant's platform.
backToStoreUrl
required
string
Url to be redirected by Indodana to user after the connect process is complete.
metadata
optional
object
Key value pair of additional information of user / transaction.
Response
200: OK
Connect request successful response with provided redirect url from Indodana. Merchant needs to redirect user to the redirectUrl to continue the connect authorization process from user side.
{
"status": "OK",
"requestId": "4dbc33a5-86ee-11eb-a301-cddc223655fd",
"redirectUrl": “https://quickpay.indodana.com/product-installment/connect?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJyZXF1ZXN0SWQiOiI0ZGJjMzNhNS04NmVlLTExZWItYTMwMS1jZGRjMjIzNjU1ZmQiLCJtZXJjaGFudElkIjoiNGZlZjBjY2EtNmE3Ni0xMWU5LWE5MjMtMTY4MWJlNjYzZDNlIiwic2FsdCI6MTYxNTk2NDM2MiwiaWF0IjoxNjE1OTY0MzYyLCJleHAiOjE2MTU5Njc5NjJ9.xWv0CJPUC_saPOIj_gxVYPOSaAY-PV94ZsVL_YRNZoo”
}
401: Unauthorized
{
"status": "ERROR",
"error": {
"kind": "Unauthorized"
"message": "<String>"
}
}

When you initiate checkout with null / invalid Indodana QuickPay user token, it will give signed-in user an option to do tokenization on Indodana checkout page. With this method, you don't need to create dedicated menu for connect Indodana account in your platform.

Please refer to checkout using QuickPay for the API specification.

post
Get Payment Calculation

https://{baseUrl}/v3/payment_calculation
Once user is tokenized, you can use this API to know installment options available for current user based on his/her limit balance. If you pass a valid Indodana QuickPay user token to call this API, this API will response with additional properties currentAvailableLimitBalance and isEligible. When the user current limit balance is insufficient on the particular tenure option, the property isEligible will be false, so you can gray out the payment option based on your platform UI/UX design.
Request
Response
Request
Headers
X-User-Token
optional
string
Indodana QuickPay user token
Authorization
required
string
The generated authentication signature with format Bearer {api_key}:{nonce}:{signature}
Body Parameters
items
required
array
Array of <Item>. Details of shopping items in the transaction.
amount
required
number
Total amount of the transaction. Should be equal to the sum of all the <Item>'s costs.
Response
200: OK
{
"status": "OK",
"payments": [
{
"amount": 7402500,
"installmentAmount": 8292000,
"monthlyInstallment": 8292000,
"tenure": 1,
"totalInterest": 889500,
"provision": 352500,
"paymentType": "Bayar dalam 30 hari",
"rate": 4,
"id": "30_days",
"merchantDiscountRate": 352500,
"currentAvailableLimitBalance": 7027500,
"isEligible": false
},
{
"amount": 7402500,
"installmentAmount": 8292000,
"monthlyInstallment": 2764000,
"tenure": 3,
"totalInterest": 889500,
"provision": 352500,
"paymentType": "Bayar dalam 3 bulan",
"rate": 4,
"id": "3_months",
"merchantDiscountRate": 352500,
"currentAvailableLimitBalance": 7027500,
"isEligible": false
},
{
"amount": 7404000,
"installmentAmount": 9183000,
"monthlyInstallment": 1530500,
"tenure": 6,
"totalInterest": 1779000,
"provision": 354000,
"paymentType": "Bayar dalam 6 bulan",
"rate": 4,
"id": "6_months",
"merchantDiscountRate": 352500,
"currentAvailableLimitBalance": 14055000,
"isEligible": true
},
{
"amount": 7404000,
"installmentAmount": 10962000,
"monthlyInstallment": 913500,
"tenure": 12,
"totalInterest": 3558000,
"provision": 354000,
"paymentType": "Bayar dalam 12 bulan",
"rate": 4,
"id": "12_months",
"merchantDiscountRate": 352500,
"currentAvailableLimitBalance": 28110000,
"isEligible": true
}
]
}
401: Unauthorized
{
"status": "ERROR",
"error": {
"kind": "Unauthorized",
"message": "User token is invalid"
}
}

post
Purchase Transaction Checkout

https://{baseUrl}/v3/checkout_url
This checkout API v3 enables QuickPay integration. You need to pass valid x-user-token on the header so user can enjoy the easy & fast checkout experience. Don't worry if you don't have the Indodana QuickPay user token for current checkout user in the first place, our checkout page already handle the flow and you need to store the token every time Indodana sends the token via callback to your system and use this token for subsequent transaction.
Request
Response
Request
Headers
X-User-Token
optional
string
Indodana QuickPay user token. You can pass null if user account not connected yet in your platform.
Authorization
required
string
The generated authentication signature with format Bearer {api_key}:{nonce}:{signature}
Body Parameters
merchantUserKey
required
string
User identifier in merchant's platform. Indodana will send the Indodana QuickPay user token alongside this information so you know the owner of the token.
transactionDetails
required
object
<Transaction> - Detail of the transaction.
customerDetails
required
object
<Customer> - Detail of the customer.
sellers
required
array
Array of <Seller> - Detail of the sellers involved in the transaction. May contain more than 1 seller.
billingAddress
required
object
<Address> - Billing address of the customer for the transaction.
shippingAddress
required
string
(Required only for goods, for service / digital product is not required) <Address> - Shipping address of the customer for the transaction.
paymentType
required
string
(Required for active Indodana QuickPay user token) Installment options / payment terms chosen by the customer. Possible values: 30_days, 3_months, 6_months, 12_months
approvedNotificationUrl
required
string
The URL that will be called by Indodana when the transaction is approved and successful.
cancellationRedirectUrl
optional
string
The URL for user to be redirected if transaction's cancelled in Indodana's checkout page.
backToStoreUrl
required
string
The URL for user to be redirected after completes the checkout process.
expirationAt
optional
string
Timestamp when the transaction expired on merchant's platform.
metadata
optional
object
Key value pair contains additional information of transaction.
Response
200: OK
Checkout successful with QuickPay
{
"status": "OK",
"redirectUrl": "https://quickpay.indodana.com/product-installment/quickpay?purchaseTransactionId=aa5023a7-8803-11eb-9b88-7947f72d641d&pid=wat-wat&c=checkout&utm_source=wat-wat&utm_campaign=wat-wat&token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJwdXJjaGFzZVRyYW5zYWN0aW9uSWQiOiJhYTUwMjNhNy04ODAzLTExZWItOWI4OC03OTQ3ZjcyZDY0MWQiLCJ1c2VySWQiOiI1ZjUwMDBkMS1mM2NlLTQ4NDgtYWNiNS0xZmM5YzZkZjU2ZTAiLCJpc3MiOiJJTkRPREFOQSIsInNjb3BlIjoiUVVJQ0tQQVkiLCJpYXQiOjE2MTYwODM0ODgsImV4cCI6MTYxNjA4NTI4OH0.tOEOdk44iMxCO8quk2_mvcc4A38oZL3iE0Kdh_zkCmY",
"transactionId": "aa5023a7-8803-11eb-9b88-7947f72d641d"
}
422: Unprocessable Entity
{
"status": "ERROR",
"error": {
"kind": "GenericValidationError"
"message": "<Object>"
}
}

Object Type References

For object specification of Transaction, Customer, Seller, Address, and Metadata can refer to this API reference.

post
QuickPay User Token Revocation

https://{baseUrl}/v1/revoke_user_token
You can revoke the Indodana QuickPay user token from your platform permanently. When token is revoked, the token will be invalid and system will trigger tokenization again on next user checkout from your platform. The token itself can be revoked from your side and Indodana side. So for the integration, we expect you to always save the token from our callback to your system with the purpose to always have the valid token of the user.
Request
Response
Request
Headers
X-User-Token
required
string
Indodana QuickPay user token to be revoked
Authorization
required
string
The generated authentication signature with format Bearer {api_key}:{nonce}:{signature}
Response
200: OK
Success revoke provided user token
{
"status": "OK",
"isActive":false,
"merchantUserKey": "<merchant user key that has been sent during connect process>"
}
204: No Content
Indodana QuickPay user token previously already revoked (idempotent state). You can mark it as success.
{
"status": "OK"
}
401: Unauthorized
Invalid user token
{
"status": "ERROR",
"error": {
"kind": "Unauthorized",
"message": "User token is invalid"
}
}

Object Type References

For object specification of Item, can refer to this API reference.

get
User Credit Details

https://{base_url}/v1/user_details
Once user is tokenized, you can use this API to know about user information details including account status and remaining credit limit.
Request
Response
Request
Headers
X-User-Token
required
string
Indodana QuickPay user token
Authorization
required
string
The generated authentication signaturee with format Bearer {api_key}:{nonce}:{signature}
Response
200: OK
{
"status": "OK",
"userDetail" : {
"name" : "Nicholas",
"email" : "[email protected]",
"phoneNumber": "+62812xxxx0957",
"connectedOn": "2021-03-19T17:35:25+0700"
},
"creditLimitDetail" : {
"status" : "ACTIVE",
"bucketizedCreditLimits":[
{
"tenure":"1",
"limit":1000000,
"limitBalance":1000000
}
{
"tenure":"3",
"limit":2000000,
"limitBalance":2000000
}
{
"tenure":"6",
"limit":4000000,
"limitBalance":4000000
}
{
"tenure":"12",
"limit":8000000,
"limitBalance":8000000
}
]
}
}
401: Unauthorized
{
"status": "ERROR",
"error": {
"kind": "Unauthorized",
"message": "User token is invalid"
}
}

Sample API Request and Response

Indodana Connect Account

API Request
API Response
API Request
{
"merchantUserKey": "+6281221815339",
"backToStoreUrl": "https://example.merchant/",
"phoneNumber": "+6281221815339"
}
API Response
{
"status": "OK",
"requestId": "4dbc33a5-86ee-11eb-a301-cddc223655fd",
"redirectUrl": “https://quickpay.indodana.com/product-installment/connect?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJyZXF1ZXN0SWQiOiI0ZGJjMzNhNS04NmVlLTExZWItYTMwMS1jZGRjMjIzNjU1ZmQiLCJtZXJjaGFudElkIjoiNGZlZjBjY2EtNmE3Ni0xMWU5LWE5MjMtMTY4MWJlNjYzZDNlIiwic2FsdCI6MTYxNTk2NDM2MiwiaWF0IjoxNjE1OTY0MzYyLCJleHAiOjE2MTU5Njc5NjJ9.xWv0CJPUC_saPOIj_gxVYPOSaAY-PV94ZsVL_YRNZoo”
}

Purchase Transaction Checkout

API Request
API Response with QuickPay [200]
API Response without QuickPay [200]
API Request
{
"transactionDetails": {
"merchantOrderId": "<MERCHANT-ORDER-ID>",
"amount": 4500000,
"items": [
{
"id": "<MERCHANT-ITEM-ID>",
"name": "iPhone 6S",
"price": 4500000,
"url": "http://merchant.com/phone/iphone-6s",
"imageUrl": "http://merchant.com/phone/iphone-6s/cover.jpg",
"type": "Mobile Phone",
"quantity": 1,
"parentType": "SELLER",
"parentId": "<MERCHANT-SELLER-ID>"
}
]
},
"customerDetails": {
"firstName": "First",
"lastName": "Last",
"email": "[email protected]",
"phone": "081212345678"
},
"sellers": [
{
"id": "<MERCHANT-SELLER-ID>",
"name": "Penjual iPhone",
"url": "https://merchant.com/shop",
"sellerIdNumber": "<MERCHANT-SELLER-ID-NUMBER>",
"email": "[email protected]",
"officialSeller": false,
"address": {
"firstName": "Merchant",
"lastName": "Seller",
"address": "Kelapa Gading",
"city": "Jakarta Utara",
"postalCode": "11240",
"phone": "081812345678",
"countryCode": "ID"
}
}
],
"billingAddress": {
"firstName": "First",
"lastName": "Last",
"address": "Tomang",
"city": "Jakarta Barat",
"postalCode": "11430",
"phone": "081987654321",
"countryCode": "ID"
},
"shippingAddress": {
"firstName": "First",
"lastName": "Last",
"address": "Tomang",
"city": "Jakarta Barat",
"postalCode": "11430",
"phone": "081987654321",
"countryCode": "ID"
},
"paymentType": "3_months",
"approvedNotificationUrl": "https://payment-notification.merchant.com/transaction-approval-handler",
"cancellationRedirectUrl": "http://merchant.com/phone/iphone-6s",
"backToStoreUrl": "http://merchant.com/phone/iphone-6s",
"expirationAt": "2019-12-31T18:00:00+07:00"
}
API Response with QuickPay [200]
{
"status": "OK",
"redirectUrl": "https://quickpay.indodana.com/product-installment/quickpay?purchaseTransactionId=aa5023a7-8803-11eb-9b88-7947f72d641d&pid=wat-wat&c=checkout&utm_source=wat-wat&utm_campaign=wat-wat&token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJwdXJjaGFzZVRyYW5zYWN0aW9uSWQiOiJhYTUwMjNhNy04ODAzLTExZWItOWI4OC03OTQ3ZjcyZDY0MWQiLCJ1c2VySWQiOiI1ZjUwMDBkMS1mM2NlLTQ4NDgtYWNiNS0xZmM5YzZkZjU2ZTAiLCJpc3MiOiJJTkRPREFOQSIsInNjb3BlIjoiUVVJQ0tQQVkiLCJpYXQiOjE2MTYwODM0ODgsImV4cCI6MTYxNjA4NTI4OH0.tOEOdk44iMxCO8quk2_mvcc4A38oZL3iE0Kdh_zkCmY",
"transactionId": "aa5023a7-8803-11eb-9b88-7947f72d641d"
}
API Response without QuickPay [200]
{
"status": "OK",
"redirectUrl": "https://quickpay.indodana.com/product-installment/payment?purchaseTransactionId=d820eb22-8802-11eb-9b88-c5e7c9c9cd17&pid=wat-wat&c=checkout&utm_source=wat-wat&utm_campaign=wat-wat&targetTab=Daftar&T38044Flow=false",
"transactionId": "d820eb22-8802-11eb-9b88-c5e7c9c9cd17"
}

Get Payment Calculation

API Request
API Response with QuickPay [200]
API Response without QuickPay [200]
API Request
{
"amount": 4500000,
"items": [
{
"id": "<MERCHANT-ITEM-ID>",
"name": "iPhone 6S",
"price": 4500000,
"url": "http://merchant.com/phone/iphone-6s",
"imageUrl": "http://merchant.com/phone/iphone-6s/cover.jpg",
"type": "Mobile Phone",
"quantity": 1,
"parentType": "SELLER",
"parentId": "<MERCHANT-SELLER-ID>"
}
]
}
API Response with QuickPay [200]
{
"status": "OK",
"payments": [
{
"downPayment": 0,
"paymentType": "Bayar dalam 3 bulan",
"amount": 9450000,
"installmentAmount": 10584000,
"rate": 4,
"monthlyInstallment": 3528000,
"discountedMonthlyInstallment": 0,
"tenure": 3,
"id": "3_months",
"currentAvailableLimitBalance": 11000000,
"isEligible": true
},
{
"downPayment": 0,
"paymentType": "Bayar dalam 6 bulan",
"amount": 9450000,
"installmentAmount": 11718000,
"rate": 4,
"monthlyInstallment": 1953000,
"discountedMonthlyInstallment": 0,
"tenure": 6,
"id": "6_months",
"currentAvailableLimitBalance": 12000000,
"isEligible": true
},
{
"downPayment": 0,
"paymentType": "Bayar dalam 12 bulan",
"amount": 9450000,
"installmentAmount": 13986000,
"rate": 4,
"monthlyInstallment": 1165500,
"discountedMonthlyInstallment": 0,
"tenure": 12,
"id": "12_months",
"currentAvailableLimitBalance": 13000000,
"isEligible": false
}
]
}
API Response without QuickPay [200]
{
"status": "OK",
"payments": [
{
"downPayment": 0,
"paymentType": "Bayar dalam 3 bulan",
"amount": 9450000,
"installmentAmount": 10584000,
"rate": 4,
"monthlyInstallment": 3528000,
"discountedMonthlyInstallment": 0,
"tenure": 3,
"id": "3_months"
},
{
"downPayment": 0,
"paymentType": "Bayar dalam 6 bulan",
"amount": 9450000,
"installmentAmount": 11718000,
"rate": 4,
"monthlyInstallment": 1953000,
"discountedMonthlyInstallment": 0,
"tenure": 6,
"id": "6_months"
},
{
"downPayment": 0,
"paymentType": "Bayar dalam 12 bulan",
"amount": 9450000,
"installmentAmount": 13986000,
"rate": 4,
"monthlyInstallment": 1165500,
"discountedMonthlyInstallment": 0,
"tenure": 12,
"id": "12_months"
}
]
}

Callback User Token

This step is used to retrieve the Indodana QuickPay user token from callback after the authorization from user already completed.

You need to inform us the URL to be registered on Indodana side. After successful store token in your system, you need to response with status code 200 like defined in the response example tab below to acknowledge the token.

API Request
API Response OK [200]
API Request
{
type: 'INDODANA_QUICKPAY_USER_TOKEN',
data: {
requestId: '<requestId>',
merchantUserKey: '<merchantUserKey>',
token: '<token>',
isActive: true
}
}
API Response OK [200]
{
"status":"OK",
"message":"Message from merchant if any"
}