ESPAY Integration

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 Type	Payment Method Key	Currency	Status	Sandbox Availability
Credit Cards	`ESPAY_CREDIT_CARD`	IDR	✅	✅
BRI Virtual Account	`ESPAY_BRI_VA`	IDR	✅	✅
BRI E-Pay	`ESPAY_BRI_EPAY`	IDR	✅	❌
BRI Direct Debit	`ESPAY_BRI_DIRECT_DEBIT`	IDR	✅	❌
Mandiri Virtual Account	`ESPAY_MANDIRI_VA`	IDR	✅	✅
Permata Virtual Account	`ESPAY_PERMATA_VA`	IDR	✅	✅
Permata NetPay	`ESPAY_PERMATA_NETPAY`	IDR	✅	❌
Danamon Virtual Account	`ESPAY_DANAMON_VA`	IDR	✅	✅
Maybank Virtual Account	`ESPAY_MAYBANK_VA`	IDR	✅	✅
BNI Virtual Account	`ESPAY_BNI_VA`	IDR	✅	❌
CIMB Niaga Virtual Account	`ESPAY_CIMB_NIAGA_VA`	IDR	✅	✅
Maspion Virtual Account	`ESPAY_MASPION_VA`	IDR	✅	✅
Artha Graha Virtual Account	`ESPAY_ARTHA_GRAHA_VA`	IDR	✅	✅
BTN Virtual Account	`ESPAY_BTN_VA`	IDR	✅	✅
BTPN Virtual Account	`ESPAY_BTPN_VA`	IDR	✅	❌
LinkAja wallet	`ESPAY_LINKAJA`	IDR	✅	✅
DANA Wallet	`ESPAY_DANA`	IDR	✅	❌
Ovo Wallet	`ESPAY_OVO`	IDR	✅	✅
ShopeePay Wallet	`ESPAY_SHOPEEPAY`	IDR	✅	❌
CIMB Click	`ESPAY_CIMB_CLICK`	IDR	✅	❌
CIMB Direct Debit	`ESPAY_CIMB_DIRECT_DEBIT`	IDR	✅	❌
Akulaku	`ESPAY_AKULAKU`	IDR	✅	❌
QRIS	`ESPAY_QRIS`	IDR	✅	✅

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 Code	Merchant Name	API Key	Signature	Password
SGWCHAIPAY	CHAIPAY	aa56978e5564934bce81433b9c2dcc84	6w61yuqltr3qh1ej	IMFVI^\|T?G

Test card data for Credit Card payment method

Type	Card number
Credit Card	4546335124562623
Credit Card	5104812441261692
Credit Card	4111111111111111
Credit Card	5500296757021801
Credit Card	3566111111111113
Credit Card	378282246310005
Credit Card	4055778918139848
Credit Card	5188287781273814
Credit Card	4687407712737112

Test Phone details for OVO wallet

Mobile Number
081211111111

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

URL	Cust ID	User ID	User Name	User Password
ESPAY sandbox dashboard	CHAIPAY001	6287654445	CHAIPAY	@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

ESPAY Integration guide