Introduction

Welcome to Flip for Business API Documentation. Flip will help you in doing and managing your business transaction, so you can focus on creating a better product.

Currently, we have API endpoints from two different versions (V2 and V3). There are endpoints that exclusively exist in V2 or V3. On the body of the endpoints we have incorporated information about which version does the API endpoint belong to. This is done to help you avoid using incompatible URL base, because each version has their own product environment.

Request Introduction

In V3, we add new features that enhance transaction security by using Idempotency Key and allow you to notify the beneficiaries of your transactions via email. We also add new endpoints to get transactions by Idempotency Key and ID so it is easier for you to navigate your transactions.

This documentation will be updated every time there is a change or if there is a new endpoint introduced. Every change will be documented in the changelog section.

We try to make this API and documentation to be as easy as possible and pleasing for the developer trying to implement this API. So if you have a suggestion or correction, feel free to send us an email at [email protected].

General Explanation

To know if the request is success or failed, you can see the HTTP Status Code on each response.

Every request should be sent as application/x-www-form-urlencoded unless told differently. The body of the request must be sent as post data (e.g attribute=value&attribute2=value2&attribute3=value3).

422 status code is used to indicate the mistake from your side. The common response for this status code is like on the right side:

{
  "code": [outer_code],
  "errors": [
    {
      "attribute": "[attribute]",
      "code": [inner_code],
      "message": "[message]"
    }
  ]
}

Possible value for outer_code is:

BALANCE_INSUFFICIENT, happens when your Flip account balance is insufficient for the current transaction (balance < (transfer amount + transfer fee)).
VALIDATION_ERROR, error related to the validation of your payload data.

Possible value for inner_code is all the code listed in respective products’ Error List section:

Money Transfer error list
Special Money Transfer error list
Agent Money Transfer error list
Agent Verification error list
Accept Payment error list
International Transfer error list

Destination Bank

Find the list of bank codes below for the supported destination banks and e-Wallets. Currently, we support transfer to 100+ banks in Indonesia including Virtual Account/VA (BNI, BRI, CIMB, Mandiri, Danamon, Muamalat, and Permata) and e-Wallets.

Bank

Bank Code	Bank Name
`harda`	Allo Bank/Bank Harda Internasional
`anz`	ANZ Indonesia
`aceh`	Bank Aceh Syariah
`aladin`	Bank Aladin Syariah
`amar`	Bank Amar Indonesia
`antardaerah`	Bank Antardaerah
`artha`	Bank Artha Graha Internasional
`bengkulu`	Bank Bengkulu
`daerah_istimewa`	Bank BPD DIY
`daerah_istimewa_syr`	Bank BPD DIY Syariah
`btpn_syr`	Bank BTPN Syariah
`bukopin_syr`	Bank Bukopin Syariah
`bumi_arta`	Bank Bumi Arta
`capital`	Bank Capital Indonesia
`bca`	Bank Central Asia
`ccb`	Bank China Construction Bank Indonesia
`cnb`	Bank CNB (Centratama Nasional Bank)
`danamon`	Bank Danamon & Danamon Syariah
`dinar`	Bank Dinar Indonesia
`dki`	Bank DKI
`dki_syr`	Bank DKI Syariah
`ganesha`	Bank Ganesha
`agris`	Bank IBK Indonesia
`ina_perdana`	Bank Ina Perdana
`index_selindo`	Bank Index Selindo
`artos_syr`	Bank Jago Syariah
`jambi`	Bank Jambi
`jambi_syr`	Bank Jambi Syariah
`jasa_jakarta`	Bank Jasa Jakarta
`jawa_tengah`	Bank Jateng
`jawa_tengah_syr`	Bank Jateng Syariah
`jawa_timur`	Bank Jatim
`jawa_timur_syr`	Bank Jatim Syariah
`kalimantan_barat`	Bank Kalbar
`kalimantan_barat_syr`	Bank Kalbar Syariah
`kalimantan_selatan`	Bank Kalsel
`kalimantan_selatan_syr`	Bank Kalsel Syariah
`kalimantan_tengah`	Bank Kalteng
`kalimantan_timur_syr`	Bank Kaltim Syariah
`kalimantan_timur`	Bank Kaltimtara
`lampung`	Bank Lampung
`maluku`	Bank Maluku
`mandiri`	Bank Mandiri
`mantap`	Bank MANTAP (Mandiri Taspen)
`maspion`	Bank Maspion Indonesia
`mayapada`	Bank Mayapada
`mayora`	Bank Mayora Indonesia
`mega`	Bank Mega
`mega_syr`	Bank Mega Syariah
`mestika_dharma`	Bank Mestika Dharma
`mizuho`	Bank Mizuho Indonesia
`mas`	Bank Multi Arta Sentosa (Bank MAS)
`mutiara`	Bank Mutiara
`sumatera_barat`	Bank Nagari
`sumatera_barat_syr`	Bank Nagari Syariah
`nusa_tenggara_barat`	Bank NTB Syariah
`nusa_tenggara_timur`	Bank NTT
`nusantara_parahyangan`	Bank Nusantara Parahyangan
`ocbc`	Bank OCBC NISP
`ocbc_syr`	Bank OCBC NISP Syariah
`america_na`	Bank of America NA
`boc`	Bank of China (Hong Kong) Limited
`india`	Bank of India Indonesia
`tokyo`	Bank of Tokyo Mitsubishi UFJ
`papua`	Bank Papua
`prima`	Bank Prima Master
`bri`	Bank Rakyat Indonesia
`riau_dan_kepri`	Bank Riau Kepri
`sahabat_sampoerna`	Bank Sahabat Sampoerna
`shinhan`	Bank Shinhan Indonesia
`sinarmas`	Bank Sinarmas
`sinarmas_syr`	Bank Sinarmas Syariah
`sulselbar`	Bank Sulselbar
`sulselbar_syr`	Bank Sulselbar Syariah
`sulawesi`	Bank Sulteng
`sulawesi_tenggara`	Bank Sultra
`sulut`	Bank SulutGo
`sumsel_dan_babel`	Bank Sumsel Babel
`sumsel_dan_babel_syr`	Bank Sumsel Babel Syariah
`sumut`	Bank Sumut
`sumut_syr`	Bank Sumut Syariah
`resona_perdania`	Bank Resona Perdania
`victoria_internasional`	Bank Victoria International
`victoria_syr`	Bank Victoria Syariah
`woori`	Bank Woori Saudara
`bca_syr`	BCA (Bank Central Asia) Syariah
`bjb`	BJB
`bjb_syr`	BJB Syariah
`royal`	Blu/BCA Digital
`bni`	BNI (Bank Negara Indonesia)
`bnp_paribas`	BNP Paribas Indonesia
`bali`	BPD Bali
`banten`	BPD Banten
`eka`	BPR EKA (Bank Eka)
`agroniaga`	BRI Agroniaga
`bsm`	BSI (Bank Syariah Indonesia)
`btn`	BTN
`btn_syr`	BTN Syariah
`tabungan_pensiunan_nasional`	BTPN
`cimb`	CIMB Niaga & CIMB Niaga Syariah
`citibank`	Citibank
`commonwealth`	Commonwealth Bank
`chinatrust`	CTBC (Chinatrust) Indonesia
`dbs`	DBS Indonesia
`hsbc`	HSBC Indonesia
`icbc`	ICBC Indonesia
`artos`	Jago/Artos
`hana`	LINE Bank/KEB Hana
`bii`	Maybank Indonesia
`bii_syr`	Maybank Syariah
`mnc_internasional`	Motion/MNC Bank
`muamalat`	Muamalat
`yudha_bakti`	Neo Commerce/Yudha Bhakti
`nationalnobu`	Nobu (Nationalnobu) Bank
`panin`	Panin Bank
`panin_syr`	Panin Dubai Syariah
`permata`	Permata
`permata_syr`	Permata Syariah
`qnb_kesawan`	QNB Indonesia
`rabobank`	Rabobank International Indonesia
`sbi_indonesia`	SBI Indonesia
`kesejahteraan_ekonomi`	Seabank/Bank BKE
`standard_chartered`	Standard Chartered Bank
`super_bank`	Superbank
`uob`	TMRW/UOB
`bukopin`	Wokee/Bukopin

e-Wallet

e-Wallet Code	e-Wallet Name
`dana`	Dana
`gopay`	GoPay
`linkaja`	LinkAja
`ovo`	OVO
`shopeepay`	ShopeePay

Authentication

<?php
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

$curl = curl_init();
curl_setopt($curl, CURLOPT_USERPWD, $secret_key.":");

<?php
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";
$encoded_auth = base64_encode($secret_key.":");

$curl = curl_init();
curl_setopt($curl, CURLOPT_HTTPHEADER, ["Authorization: Basic ".$encoded_auth]);

curl --user <wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd>: https://bigflip.id/api/v2/disbursement

We are using Basic Authentication by including Authorization header in each of your request. Value of the header is the provided Secret Key from your Flip for Business dashboard. You should include your secret key like a usual basic auth request, and use the secret key as the username:

Authorization: Basic [base64encode(<secret_key>+":")]

You can also see another example of how to include the secret key on the right column.

Signature

Signature is used to secure your request API, to avoid attackers change your payload. Signature is optional, by default it is disabled. Signature only for API that related to Disbursement.


<?php
// Generate public key and private key pair.
$key_pair = openssl_pkey_new(array(
            'private_key_bits' => 2048,
            'private_key_type' => OPENSSL_KEYTYPE_RSA,
        ));
$details = openssl_pkey_get_details($key_pair);
$public_key = $details['key'];

$private_key = '';
openssl_pkey_export($key_pair, $private_key);

// check/print your public key and private key pair.
echo $public_key;
echo $private_key;

openssl genrsa -out private.pem 2048
openssl rsa -in private.pem -out public.pem -outform PEM -pubout

cat private.pem
cat public.pem

If you want to enable a signature, please do the following steps:

Generate public key and private key pair. Use algorithm OPENSSL_KEYTYPE_RSA 2048 bits.
Send the public key to flip.id and inform when you ready to request with signature.
Every request for API Disbursement, add header X-Signature. Generate signature with your private key, the input data is your parameter POST & GET request encoded in string, all data type should be a string. Signature use algorithm sha256WithRSAEncryption and encode with base64.

Big Flip Signature

<?php
$payloads = [
    "account_number" => "0437051936",
    "bank_code" => "bni",
    "amount" => "10000",
    "remark" => "testing",
    "recipient_city" => "391"
];
$private_key = "YOUR_PRIVATE_KEY";
$payload_str = json_encode($payloads);
openssl_sign($payload_str, $signature, $private_key, "sha256WithRSAEncryption");
$signature = base64_encode($signature);

// Add header in your disbursement request
$headers = [
    "Content-Type: application/x-www-form-urlencoded",
    "X-Signature: ".$signature
]
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

# Assume data is file that contain your string payload
# Example: '{"account_number":"0437051936","bank_code":"bni","amount":"10000","remark":"testing","recipient_city":"391"}'

openssl dgst -sha256 -sign private.pem -out data.signed data
openssl base64 -in data.signed -out data.signed.b64

# Generated signature in file data.signed.b64

curl https://bigflip.id/api/v2/disbursement \
    --header 'X-Signature: YOUR_GENERATED_SIGNATURE' \
    -X POST \
    -u <secret_key>: \
    -d account_number="0437051936" \
    -d bank_code="bni" \
    -d amount="10000" \
    -d remark="testing" \
    -d recipient_city="391"

General Response

Unauthorized

Status 401
Content-Type: application/json

{
    "name": "Unauthorized",
    "message": "You are requesting with an invalid credential.",
    "status": 401,
}

This response will be sent if the value of Authorization heder or the secret key is invalid.

Not Found

Status 404
Content-Type: application/json

{
    "name": "Not Found",
    "message": "Page not found.",
    "status": 404,
}

You will get this response if the url you’re trying to access is wrong, or if the resource you’re trying to access is not exist.

Environment

Sandbox

Flip provides a sandbox environment: (business.flip.id/sandbox/overview - base URL: https://bigflip.id/big_sandbox_api). To help your integration, we recommend you to utilize our Postman collection for the Sandbox. You can download it in the Postman Collecton section.

The secret key, validation token and base URL in sandbox will be different with the production environment, so any actions performed in sandbox will not affect your Flip for Business account. Each sandbox account will be given Rp950.000.000.000 (IDR 950 billion) balance for you to test the API.

We won’t process any transaction & account inquiries you’ve made in the sandbox environment. Any transaction created will be left at PENDING status. However, you can manually trigger the transaction to simulate statuses directly from the dashboard.

Production

The production environment base URL for API v2 is https://bigflip.id/api/v2/ and base URL for API v3 https://bigflip.id/api/v3/. Every transaction made through these URLs will be processed (except if something goes wrong).

Postman Collection

Flip provides a Postman collection which consists of Flip for Business APIs. To help your integration, we recommend you to utilize our Postman collection. You can download it below.

General

Get Balance

GET /general/balance HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: basic [your encoded flip for business secret key]

This endpoint will return your current account balance in Rupiah (IDR).

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/general/balance");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/general/balance \
    -u <secret_key>:

GET https://bigflip.id/api/v2/general/balance

Response

Status 200
Content-Type: application/json

{
    "balance": 49656053
}

Attribute	Description
`balance`	Current balance in Rupiah (IDR)

Get Bank Info

GET /general/banks HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: basic [your encoded flip for business secret key]

This endpoint will return list of bank codes, along with several other information. We recommend you to hit this endpoint before creating a disbursement so that you can give information like queue or status to your user or customer.

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/general/banks");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/general/banks \
    -u <secret_key>:

GET https://bigflip.id/api/v2/general/banks?code=bank_code

You can also provide an optional bank code to filter the result to a specific bank only.

Response

Status 200
Content-Type: application/json

[
    {
        "bank_code": "mandiri",
        "name": "Mandiri",
        "fee": 5000,
        "queue": 8,
        "status": "DISTURBED"
    },
    {
        "bank_code": "bri",
        "name": "BRI",
        "fee": 5000,
        "queue": 39,
        "status": "OPERATIONAL"
    },
    {
        "bank_code": "bni",
        "name": "BNI",
        "fee": 5000,
        "queue": 57,
        "status": "OPERATIONAL"
    },
    {
        "bank_code": "bca",
        "name": "BCA",
        "fee": 5000,
        "queue": 8,
        "status": "OPERATIONAL"
    },
    {
        "bank_code": "bsm",
        "name": "Bank Syariah Mandiri",
        "fee": 5000,
        "queue": 2,
        "status": "HEAVILY_DISTURBED"
    },
    {
        "bank_code": "cimb",
        "name": "CIMB Niaga",
        "fee": 5000,
        "queue": 3,
        "status": "OPERATIONAL"
    },
    {
        "bank_code": "muamalat",
        "name": "Muamalat",
        "fee": 5000,
        "queue": 1,
        "status": "OPERATIONAL"
    },
    .
    .
    .
]

Filtered result:

Status 200
Content-Type: application/json

[
    {
        "bank_code": "bca",
        "name": "BCA",
        "fee": 5000,
        "queue": 8,
        "status": "OPERATIONAL"
    }
]

Attribute	Description
bank_code	Flip’s bank code. `cimb` is the code for both CIMB Niaga and CIMB Niaga Syariah
name	The name of the bank as we usually say it in Indonesian
fee	The fee that you’ll be charged if you send money to this bank
queue	Current queue for related bank. The longer/higher the queue number, the longer the transaction will be finished.
status	The status of the disbursement process in related bank. Possible values are: `OPERATIONAL` Banks are operational, disbursement will be processed as soon as possible `DISTURBED` Banks are slow or have another problem. Disbursement will still be processed, but in slower pace and might be delayed `HEAVILY_DISTURBED` Banks are having an error, offline, or another problem that result in a nearly unusable system. Disbursement to this bank can not be processed in a short time, and maybe won’t be processed in the same day. You can ask for a refund if this happen.

Is Maintenance

GET /general/maintenance HTTP/1.1
Content-Type: application/x-www-form-urlencoded

This endpoint will return information whether Flip currently is on maintenance or not. Any request to all endpoint will return 503 status code.

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/general/maintenance");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/general/maintenance \
    -u <secret_key>:

GET https://bigflip.id/api/v2/general/maintenance

Response

Status 200
Content-Type: application/json

{
    "maintenance": false
}

Attribute	Description
`maintenance`	Flip maintenance status

Bank Account Inquiry

POST /disbursement/bank-account-inquiry HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

You can use this endpoint to get the bank account holder name. For now, it still take us a few seconds to do the inquiry. The result will be returned as a callback if we haven’t cached it yet. If it have been cached, you will get the result instantly. Be sure to set up your callback inquiry entry in your Flip for Business Dashboard.

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/disbursement/bank-account-inquiry");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_POST, TRUE);

curl_setopt($ch, CURLOPT_POSTFIELDS, "account_number=5465327020&bank_code=bca&inquiry_key=aVncCDdKW9dciRvH9qSH");

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/disbursement/bank-account-inquiry \
    -X POST \
    -u <secret_key>: \
    -d account_number="5465327020" \
    -d bank_code="bca" \
    -d inquiry_key="aVncCDdKW9dciRvH9qSH"

POST https://bigflip.id/api/v2/disbursement/bank-account-inquiry

Attribute	Description
account_number	`string (required)` The account number of the bank account
bank_code	`string (required)` Bank code of the account. Accepted value are listed above
inquiry_key	`string (optional)` Inquiry key for handling multiple request with multiple callback

Response

Example of cached response

Status 200
Content-Type: application/json

{
    "bank_code": "bca",
    "account_number": "5465327020",
    "account_holder": "PT Fliptech Lentera IP",
    "status": "SUCCESS",
    "inquiry_key": "aVncCDdKW9dciRvH9qSH",
}

Example of uncached response

Status 200
Content-Type: application/json

{
    "bank_code": "bca",
    "account_number": "5465327020",
    "account_holder": "",
    "status": "PENDING",
    "inquiry_key": "aVncCDdKW9dciRvH9qSH",
}

Example of invalid account

Status 200
Content-Type: application/json

{
    "bank_code": "bca",
    "account_number": "1232123123212",
    "account_holder": "",
    "status": "INVALID_ACCOUNT_NUMBER",
    "inquiry_key": "aVncCDdKW9dciRvH9qSH",

}

Attribute	Description
bank_code	Bank code of the account
inquiry_key	Inquiry key for handling multiple request with multiple callback
account_number	Account number of the bank account
account_holder	Name of the bank account holder
status	Possible values are `PENDING` Inquiry still in process `SUCCESS` Inquiry process is complete and bank account number is valid `INVALID_ACCOUNT_NUMBER` Inquiry process is complete but the account number is invalid or maybe a virtual account number `SUSPECTED_ACCOUNT` Bank account have been suspected on doing fraud. You still can do a disbursement to this account. `BLACK_LISTED` Bank account have been confirmed on doing a fraud and therefore is blacklisted. You can’t do a disbursment to this account. `FAILED` The inquiry process is failed before we get the final status of the inquiry, e.g due to timeout or any other errors from the bank. If you get this response, please retry the inquiry to trigger reverification of the account. `CLOSED` The inquiry process is complete and the account is valid, but it is closed/inactive so that it cannot receive money. You cannot do a disbursement to this account.

SUSPECTED_ACCOUNT and BLACK_LISTED are based on Flip’s user report. This might be inacurrate, and we flag an exact string of the account number reported by our users. For example, 350000069 will be different with 00350000069 although it may be the same account. We are still working on a better way to handle this leading zeroes issue.

Idempotent Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/disbursement");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_POST, TRUE);

$payloads = [
    "account_number" => "0437051936",
    "bank_code" => "bni",
    "amount" => "10000",
    "remark" => "testing",
    "recipient_city" => "391"
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded",
  "idempotency-key: 8anU9saqIU798wOo"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/disbursement \
    -X POST \
    -u <secret_key>: \
    -H "idempotency-key: 8anU9saqIU798wOo" \
    -d account_number="0437051936" \
    -d bank_code="bni" \
    -d amount="10000" \
    -d remark="testing" \
    -d recipient_city="391"

This version of API supports idempotency, so you can safely retrying request without accidentally performing the same operation twice. If you send a create a disbursement and the request fails due to network error or other factor, you can safely retry the request with the same idempotency key and be sure that only a single disbursement is created.

To perform an idempotent request, you can just provide an additonal idempotency-key header to your request.

You can provide any unique string to be the idempotency key, such as the transaction id on your side, or another random and unique identifier from your side. The string however, will be limited to 255 char in length.

If there are two or more requests with the same beneficiary account, bank, and amount within 10 minutes interval and the idempotency key is not used in those particular transactions, we will process the first one and hold the latter transaction temporarily to prevent accidental double transfer. Our team will inform you and ask for your confirmation on whether the transaction being held is eligible to be released or not.

Please read the implementation guide here.

Money Transfer

Money Transfer is one of the products within Flip for Business which was created with the aim to facilitate users complete high volume transactions in an easier, faster, and more cost-efficient manner. With Money Transfer, users can transfer money up to 20,000 accounts in one go across different beneficiaries.

As of now, Flip is providing Money Transfer service across three different beneficiary types: Bank, VA, and E-wallet which all bank codes are listed in the destination bank section. You can also get this list of bank codes along with other information in get bank info.

Below is a flow overview on how Money Transfer disbursement works via API.

Money Transfer Flow

Create Disbursement

POST /disbursement HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Idempotency key in a Disbursement request is a must. It will be used to prevent accidentally created the same disbursement more than once. Please see more detail on Idempotent Request section.
X-TIMESTAMP in a Disbursement request is highly recommended by Flip. It will be used to validate your request in case of network error (timeout, delay, etc.). If a transaction is marked as timeout or stale, then it won’t be processed by Flip. The duration until a transaction is marked stale is 60 seconds.
Flip highly recommend performing the account inquiry before every disbursement request. This is to ensure that the destination account has been validated and to prevent any transaction issues (e.g failed transaction due to account can’t accept fund/inactive/closed, etc.) Please see more detail on Bank Account Inquiry section.

Use this endpoint to create a common disbursement transaction. For company operating as a Money Transfer Company (Perusahaan Transfer Dana), or anything related to that, please use Create Special Money Transfer V3 endpoint instead.

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v3/disbursement");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_POST, TRUE);

$payloads = [
    "account_number" => "1122333300",
    "bank_code" => "bni",
    "amount" => "10000",
    "remark" => "some remark",
    "recipient_city" => "391",
    "beneficiary_email" => "[email protected],[email protected]"
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded",
  "idempotency-key: idem-key-1",
  "X-TIMESTAMP: 2022-01-01T15:02:15+0700"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v3/disbursement \
    -X POST \
    -u <secret_key>: \
    -d account_number="1122333300" \
    -d bank_code="bni" \
    -d amount="10000" \
    -d remark="some remark" \
    -d recipient_city="391",
    -d beneficiary_email="[email protected],[email protected]"

POST https://bigflip.id/api/v3/disbursement

Attribute	Description
`Content-Type`	`string (required)` Request content type: `application/x-www-form-urlencoded`.
`idempotency-key`	`string (required)` Idempotency key. Please see more detail on Idempotent Request section.
`X-TIMESTAMP`	`string (optional)` Request timestamp. The format will follow the ISO8601 format.

Body

Attribute	Description
`account_number`	`string (required)` The account number of the recipient. Validation: Numeric
`bank_code`	`string (required)` Bank code of the recipient bank. Validation: Accepted values are listed here.
`amount`	`integer (required)` The amount of money to be disbursed Validation: Numeric
`remark`	`string (optional)` Remark to be included in the transfer made to the recipient. Usually will appear as `berita transfer` or `remark` in the transfer receipt. Only for disbursement with the bank code being `bri`, the remark will be prepended with the beneficiary name. Example: `tes remark` will be `john doe test remark`. Validation: 1-18 character Alphanumeric Spaces, `.`, `-`, `/`, `(`, and `)`
`recipient_city`	`integer (optional)` City code of the recipient city. Validation: Accepted values are listed here.
`beneficiary_email`	`string (optional)` List of the recipient emails. Validation: Alphanumeric with email format (`[email protected]`) Separate each email with a comma (if any)

Response

Status 200
Content-Type: application/json

{
  "id": 10,
  "user_id": 20,
  "amount": 10000,
  "status": "PENDING",
  "reason": "",
  "timestamp": "2017-08-28 14:32:47",
  "bank_code": "bni",
  "account_number": "1122333300",
  "recipient_name": "John Doe",
  "sender_bank": "bri",
  "remark": "some remark",
  "receipt": "",
  "time_served": "0000-00-00 00:00:00",
  "bundle_id": 0,
  "company_id": 7,
  "recipient_city": 391,
  "created_from": "API",
  "direction": "DOMESTIC_TRANSFER",
  "sender": null,
  "fee": 1500,
  "beneficiary_email": "[email protected],[email protected]",
  "idempotency_key": "idem-key-1"
}

See detailed explanation at Get All Money Transfer V3 response.

Get All Disbursements

GET /disbursement HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Use this endpoint to get the list of transaction you’ve made. By default, the result will be paginated by 20. You can change the pagination, filter, and sort the result by changing the url parameter.

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v3/disbursement?pagination=pagination&page=page&sort=sort&atribut=value");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v3/disbursement?pagination=pagination&page=page&sort=sort&atribut=value \
    -u <secret_key>:

Format of the url parameter:

GET https://bigflip.id/api/v3/disbursement?pagination=pagination&page=page&sort=sort&attribute=value

param	value
`pagination`	`integer (optional)` The pagination of the result. Default value is `20`. Validation: Numeric
`page`	`integer (optional)` The page number of the result to be viewed. Validation: Numeric
`sort`	`string (optional)` Sort the result by the attribute. Use the attribute name (e.g `sort=id`) to sort in ascending order or dash+attribute name (e.g `sort=-id`) to sort in descending order. Validation: Accepted values are as listed below.

You can also filter the result by changing attribute with the attribute to be filtered and value with the filter value. You can filter more than one attribute by appending another attribute filter to the url. Attribute that can be filtered are:

id - exact comparison
amount - exact comparison
status - exact comparison
timestamp - “like” comparison
bank_code - “like” comparison
account_number - “like” comparison
recipient_name - “like” comparison
remark - “like” comparison
time_served - “like” comparison
created_from - “like” comparison
direction - exact comparison

Example:

https://bigflip.id/api/v3/disbursement?pagination=10&page=1&sort=id&status=DONE

Response

Status 200
Content-Type: application/json

{
  "total_data": 85,
  "data_per_page": 20,
  "total_page": 5,
  "page": 1,
  "data": [
    {
      "id": 10,
      "user_id": 20,
      "amount": 10000,
      "status": "PENDING",
      "reason": "",
      "timestamp": "2017-08-28 14:32:47",
      "bank_code": "bni",
      "account_number": "1122333300",
      "recipient_name": "John Doe",
      "sender_bank": "bri",
      "remark": "some remark",
      "receipt": "",
      "time_served": "0000-00-00 00:00:00",
      "bundle_id": 0,
      "company_id": 7,
      "recipient_city": 391,
      "created_from": "API",
      "direction": "DOMESTIC_TRANSFER",
      "sender": null,
      "fee": 1500,
      "beneficiary_email": "[email protected],[email protected]",
      "idempotency_key": "idem-key-1"
    },
    {
      "id": 11,
      "user_id": 20,
      "amount": 10000,
      "status": "DONE",
      "reason": "",
      "timestamp": "2017-08-24 21:21:23",
      "bank_code": "bni",
      "account_number": "1122333301",
      "recipient_name": "John Smith",
      "sender_bank": "bri",
      "remark": "some remark",
      "receipt": "someurl.jpg",
      "time_served": "2017-08-25 09:11:35",
      "bundle_id": 0,
      "company_id": 7,
      "recipient_city": 391,
      "created_from": "API",
      "direction": "FOREIGN_INBOUND_SPECIAL_TRANSFER",
      "sender": {
        "sender_name": "John Doe",
        "place_of_birth": 391,
        "date_of_birth": "1992-01-01",
        "address": "Some Address Street 123",
        "sender_identity_type": "nat_id",
        "sender_identity_number": "asdas213123",
        "sender_country": 100252,
        "job": "entrepreneur"
      },
      "fee": 1000,
      "beneficiary_email": "[email protected],[email protected]",
      "idempotency_key": "idem-key-2"
    },
    ...
  ]
}

Attribute	Description
`total_data`	Total data returned in all page
`data_per_page`	Total data returned in current page
`total_page`	Total/max page available
`page`	Current page
`data`	Array of disbursement object.

Disbursement Object

Attribute	Description
`id`	Flip’s transaction id
`user_id`	Your account user id in our system
`amount`	The amount of money to be disbursed in IDR
`status`	Transaction status. Possible values are: `PENDING` Disbursement is still in process `CANCELLED` The transaction is cancelled and the amount of the transaction plus the transaction fee will be credited to your balance. This will happen if the transfer process are failed for reason such as inactive recipient account, wrong account number, etc `DONE` Disbursement process is finished and the money have been sent to the recipient
`reason`	The reason value will be given if the transaction status is `CANCELLED`. Possible values are: `INACTIVE_ACCOUNT` Inactive account / Nomor rekening tidak aktif `NOT_REGISTERED_ACCOUNT` Not registered account / Nomor rekening tidak terdaftar `CANT_RECEIVE_TRANSFER` Can’t receive transfer / Rekening tujuan tidak dapat menerima transfer `INTERMITTENT_DISTURBANCE_ON_BENEFICIARY_BANK` Intermittent disturbance on destination bank / Bank tujuan sementara mengalami gangguan `BENEFICIARY_ACCOUNT_NOT_VERIFIED` Account is not verified / Rekening tujuan belum terverifikasi `INSUFFICIENT_BALANCE` Insufficient deposit balance / Deposit tidak cukup `EXCEEDED_TRANSACTION_AMOUNT_LIMIT` Exceeded amount transaction limit / Batas transaksi melebihi jumlah `INTERNAL_ERROR` An internal error has occurred during the transaction / Terjadi kesalahan internal selama transaksi `EXCEED_AMOUNT_LIMIT` The transaction exceeds the allowed amount limit / Transaksi melebihi batas jumlah yang diizinkan `DORMANT_ACCOUNT` The account is dormant and cannot process transactions / Rekening tidak aktif dan tidak dapat memproses transaksi `INVALID_ACCOUNT` The account number provided is invalid / Nomor rekening yang diberikan tidak valid `INVALID_BILL` The bill submitted for payment is invalid / Tagihan yang diajukan untuk pembayaran tidak valid `INVALID_AMOUNT` The amount specified for the transaction is invalid / Jumlah yang ditentukan untuk transaksi tidak valid `PAID_BILL` The bill has already been paid / Tagihan sudah dibayar `EXPIRED_BILL` The bill has expired and cannot be processed / Tagihan sudah kedaluwarsa dan tidak dapat diproses
`timestamp`	The time when the disbursement request created. Time will be in GMT+7 with `yyyy-mm-dd hh:mm:ss` format
`bank_code`	Bank code of the recipient bank
`account_number`	The account number of the recipient
`recipient_name`	The name of the recipient account holder. If the account number haven’t cached by Flip yet, this attribute will show `-` (dash) instead
`sender_bank`	The default sender bank in your account
`remark`	Remark to be included in the transfer made to the recipient
`receipt`	Url of the transfer receipt. The receipt will be a screenshot taken from the internet banking interface of each bank. This attribute will only show the url when the status is `DONE`
`time_served`	The time when the transaction is finished. Will only show valid value when the status is `DONE`
`bundle_id`	The bundle id of the transaction made from Flip for Business Dashboard (csv upload or manual input). For the transaction created from API, the value will always be `0`
`company_id`	Your Flip for Business account user id in our system
`recipient_city`	City code of the recipient city
`created_from`	The channel of which the transaction was created. Possible values are: `API` `DASHBOARD`
`direction`	The direction of the transaction. Possible values are: `DOMESTIC_TRANSFER` Common Disbursement from Indonesia to Indonesian recipient `DOMESTIC_SPECIAL_TRANSFER` Special disbursement from the user of a Money Transfer Company residing in Indonesia to Indonesian recipient `FOREIGN_INBOUND_SPECIAL_TRANSFER` Special disbursement from the user of a Money Transfer Company residing in a foreign country to Indonesian recipient
`sender`	Possible values are `null` if the transaction is a common disbursement, and sender object if the transaction is a special disbursment.
`fee`	The fee of the transaction
`beneficiary_email`	List of the recipient emails
`idempotency_key`	The idempotency key used to create the disbursement

Sender Object

Attribute	Description
`sender_name`	The name of the user of the Money Transfer Company that act as a sender
`place_of_birth`	City/country code of the Sender’s place of birth
`date_of_birth`	Sender’s date of birth
`address`	Sender’s address
`sender_identity_type`	Sender’s identity type. Possible value are: `nat_id` `drv_lic` `passport` `bank_acc`
`sender_identity_number`	Sender’s identity number
`sender_country`	Country code of the Sender’s country
`job`	Sender’s job. Possible values are: `housewife` `entrepreneur` `private_employee` `government_employee` `foundation_board` `indonesian_migrant_worker` `others`

Get Disbursement by Idempotency Key

GET /get-disbursement HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Use this endpoint to get one specific transaction specified by idempotency-key in the request url.

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v3/get-disbursement?idempotency-key=idem-key-1");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v3/get-disbursement?idempotency-key=idem-key-1 \
    -u <secret_key>:

GET https://bigflip.id/api/v3/get-disbursement?idempotency-key=idempotency_key

Response

Status 200
Content-Type: application/json

{
  "id": 10,
  "user_id": 20,
  "amount": 10000,
  "status": "PENDING",
  "reason": "",
  "timestamp": "2017-08-28 14:32:47",
  "bank_code": "bni",
  "account_number": "1122333300",
  "recipient_name": "John Doe",
  "sender_bank": "bri",
  "remark": "some remark",
  "receipt": "",
  "time_served": "0000-00-00 00:00:00",
  "bundle_id": 0,
  "company_id": 7,
  "recipient_city": 391,
  "created_from": "API",
  "direction": "DOMESTIC_TRANSFER",
  "sender": null,
  "fee": 1500,
  "beneficiary_email": "[email protected],[email protected]",
  "idempotency_key": "idem-key-1"
}

See detailed explanation at Get All Money Transfer V3 response.

Get Disbursement by ID

GET /get-disbursement HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Use this endpoint to get one specific transaction specified by id in the request URL.

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v3/get-disbursement?id=10");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v3/get-disbursement?id=10 \
    -u <secret_key>:

GET https://bigflip.id/api/v3/get-disbursement?id=id

Response

Status 200
Content-Type: application/json

{
  "id": 10,
  "user_id": 20,
  "amount": 10000,
  "status": "PENDING",
  "reason": "",
  "timestamp": "2017-08-28 14:32:47",
  "bank_code": "bni",
  "account_number": "1122333300",
  "recipient_name": "John Doe",
  "sender_bank": "bri",
  "remark": "some remark",
  "receipt": "",
  "time_served": "0000-00-00 00:00:00",
  "bundle_id": 0,
  "company_id": 7,
  "recipient_city": 391,
  "created_from": "API",
  "direction": "DOMESTIC_TRANSFER",
  "sender": null,
  "fee": 1500,
  "beneficiary_email": "[email protected],[email protected]",
  "idempotency_key": "idem-key-1"
}

See detailed explanation at Get All Money Transfer V3 response.

Error List

As mentioned here, validation error or response with status code 422 will contain inner code. Here is the list of the code for Money Transfer:

Error Code	Meaning
999	Undefined error
1001	The related attribute should not be empty
1002	Value for the related attribute is considered not clean. Things that considered as not clean is html tag and `?`, `#`, `$`, `'` (single quote), `"` (double quote), and `;` character
1020	The related attribute can only contain number
1021	Transfer amount are less than the minimum amount (Rp10.000)
1022	Transfer amount are more than the maximum amount
1024	Max char for the related attribute exceeded
1025	Invalid bank account number or possibly a virtual account number
1026	The recipient bank account is suspected with fraud. You can’t send money to this account
1027	The account number is closed
1032	Pagination should be a number more than 0
1033	Invalid bank code
1034	Country is invalid. Please see available country code
1035	Your balance is insufficient for doing this transaction
1038	Country/city code is not valid. The difference with `1037` code is: `1037` will occur if the attribute only allows country code while this code will occur if the attribute allows country or city code.
1039	Date format is invalid
1040	Date is invalid
1041	Attribute is invalid
1042	Missing required idempotency key. Please put an idempotency key in your request.
1043	Bill title param is required when creating bill
1070	Max Beneficiary Email 20
1071	Invalid Beneficiary Email value
1072	Disbursement ID not found
1073	Disbursement Idempotency Key not found
1074	Daily limit transaction exceeded
1080	You have reached the maximum limit of active transactions. Please complete your previous transactions.
1088	The beneficiary bank is in severe disturbance
1089	The account number is Flip’s. You can’t send money to Flip account
1090	Agent KYC status is not approved
1091	Agent status is not active
1092	Agent is not allowed to update
1093	Cannot process transaction because bank is in cut off time. Try again later
1094	The sent request/transaction is marked as stale request (more than 1 minute than the server time)
1095	`X-TIMESTAMP` format is invalid. It should follow the ISO8601 format
2001	The related attribute should contain [at least or at most][number] of characters
2002	The related attribute is duplicated
2003	The related attribute is considered not clean. Only letters (a-z), numbers (0-9), spaces ( ), periods (.), commas (,), apostrophes (‘), and dashes (-) are allowed
2004	The related attribute contains non-alphanumeric characters
2005	Transfer amount are less than the minimum amount set by the respective Bank

Deprecated Error Code

Error Code	Meaning
1042	Minimum transfer OVO amount is Rp10.000 - Replaced with `2005`
1086	Minimum transfer dana amount is Rp20.500 - Replaced with `2005`

Special Money Transfer

Special Money Transfer is a type of disbursement for a company with PJP (Penyedia Jasa Pembayaran) license, operating as a Money Transfer Company (Perusahaan Transfer Dana). While in Money Transfer disbursement the original sender is the company, in Special Money Transfer the original sender is the company’s user.

The main difference regarding the API flow with Money Transfer is in this disbursement type, you are required to provide some of your senders personal information as part of the Know Your Customer (KYC) process mandated by Bank Indonesia.

Below is a flow overview on how Special Money Transfer disbursement works via API.

Special Money Transfer Flow

Create Special Disbursement

POST /special-disbursement HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Idempotency key in a Disbursement request is a must. It will be used to prevent accidentally created the same disbursement more than once. Please see more detail on Idempotent Request section.
X-TIMESTAMP in a Disbursement request is highly recommended by Flip. It will be used to validate your request in case of network error (timeout, delay, etc.). If a transaction is marked as timeout or stale, then it won’t be processed by Flip. The duration until a transaction is marked stale is 60 seconds.
Flip highly recommend performing the account inquiry before every disbursement request. This is to ensure that the destination account has been validated and to prevent any transaction issues (e.g failed transaction due to account can’t accept fund/inactive/closed, etc.) Please see more detail on Bank Account Inquiry section.

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v3/special-disbursement");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_POST, TRUE);

$payloads = [
    "account_number" => "1122333301",
    "bank_code" => "bni",
    "amount" => "10000",
    "remark" => "some remark",
    "recipient_city" => "391",
    "sender_country" => 100252,
    "sender_place_of_birth" => 391,
    "sender_date_of_birth" => "1992-01-01",
    "sender_identity_type" => "nat_id",
    "sender_name" => "John Doe",
    "sender_address" => "Some Address Street 123",
    "sender_identity_number" => "123456789",
    "sender_job" => "entrepreneur",
    "direction" => "DOMESTIC_SPECIAL_TRANSFER",
    "beneficiary_email" => "[email protected],[email protected]"
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded",
  "idempotency-key: idem-key-1",
  "X-TIMESTAMP: 2022-01-01T15:02:15+0700"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v3/special-disbursement \
    -X POST \
    -u <secret_key>: \
    -d account_number="1122333301" \
    -d bank_code="bni" \
    -d amount="10000" \
    -d remark="some remark" \
    -d recipient_city="391" \
    -d sender_country="100252" \
    -d sender_place_of_birth="391",
    -d sender_date_of_birth="1992-01-01" \
    -d sender_identity_type="nat_id" \
    -d sender_name="John Doe" \
    -d sender_address="Some Address Street 123" \
    -d sender_identity_number="123456789" \
    -d sender_job="entrepreneur" \
    -d direction="DOMESTIC_SPECIAL_TRANSFER",
    -d beneficiary_email="[email protected],[email protected]"

POST https://bigflip.id/api/v3/special-disbursement

Attribute	Description
`Content-Type`	`string (required)` Request content type: `application/x-www-form-urlencoded`.
`idempotency-key`	`string (required)` Idempotency key. Please see more detail on Idempotent Request section.
`X-TIMESTAMP`	`string (optional)` Request timestamp. The format will follow the ISO8601 format.

Body

Attribute	Description
`account_number`	`string (required)` The account number of the recipient. Validation: Numeric
`bank_code`	`string (required)` Bank code of the recipient bank. Validation: Accepted value are listed here
`amount`	`integer (required)` The amount of money to be disbursed. Validation: Numeric
`remark`	`string (optional)` Remark to be included in the transfer made to the recipient. Usually will appear as `berita transfer` or `remark` in the transfer receipt. Only for disbursement with the bank code being `bri`, the remark will be prepended with the beneficiary name. Example: `tes remark` will be `john doe test remark`. Validation: 1-18 character Alphanumeric Spaces, `.`, `-`, `/`, `(`, and `)`
`recipient_city`	`integer (optional)` City code of the recipient city. Default value is `394`. Validation: Accepted values are listed here.
`sender_country`	`integer (required)` Country code of the sender’s residence. Validation: Accepted values are listed here.
`sender_place_of_birth`	`integer (optional)` City/country code of the sender’s place of birth. Use city code if the sender’s place of birth is in Indonesia, and country code if outside Indonesia. Validation: Accepted values are listed here.
`sender_date_of_birth`	`string/date (optional)` Sender’s birth date. Validation: `YYYY-MM-DD` format
`sender_identity_type`	`string (optional)` Sender’s ID type. Validation: Accepted value are as follows: `nat_id` National Id Card or KTP in Indonesia `drv_lic` Driving license `passport` `bank_acc` Bank Account (`DEFAULT`)
`sender_name`	`string (required)` The name of the user of the Money Transfer Company that act as a sender. Validation: Alphanumeric 1-50 characters
`sender_address`	`string (required)` Sender’s address. Validation: Alphanumeric 255 characters
`sender_identity_number`	`string (optional)` Sender’s ID number. Default value is from attribute `account_number`. Validation: 16 characters for KTP 20 characters for Passport
`sender_job`	`string (required)` Sender’s job. Validation: Accepted value are as follows: `housewife` `entrepreneur` `private_employee` `government_employee` `foundation_board` People who work at foundation as an employee `indonesian_migrant_worker` Also known as TKI `company` If sender is a company, not individual `others`
`direction`	`string (required)` The direction of the transaction. Validation: Accepted values are as follows: `DOMESTIC_SPECIAL_TRANSFER` When the sender and the recipient are both residing in Indonesia `FOREIGN_INBOUND_SPECIAL_TRANSFER` When the sender are in a foreign country, but the recipient are in Indonesia
`beneficiary_email`	`string (optional)` List of the recipient emails. Validation: Alphanumeric with email format (`[email protected]`) Separate each email with a comma (if any)

Response

Status 200
Content-Type: application/json

{
  "id": 11,
  "user_id": 20,
  "amount": 10000,
  "status": "DONE",
  "reason": "",
  "timestamp": "2017-08-24 21:21:23",
  "bank_code": "bni",
  "account_number": "1122333301",
  "recipient_name": "John Smith",
  "sender_bank": "bri",
  "remark": "some remark",
  "receipt": "someurl.jpg",
  "time_served": "2017-08-25 09:11:35",
  "bundle_id": 0,
  "company_id": 7,
  "recipient_city": 391,
  "created_from": "API",
  "direction": "FOREIGN_INBOUND_SPECIAL_TRANSFER",
  "sender": {
    "sender_name": "John Doe",
    "place_of_birth": 391,
    "date_of_birth": "1992-01-01",
    "address": "Some Address Street 123",
    "sender_identity_type": "nat_id",
    "sender_identity_number": "123456789",
    "sender_country": 100252,
    "job": "entrepreneur"
  },
  "fee": 1000,
  "beneficiary_email": "[email protected],[email protected]",
  "idempotency_key": "idem-key-2"
}

See detailed explanation at Get All Money Transfer V3 response.

City List

GET /disbursement/city-list HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

This endpoint will return the list of available city code along with it’s name. The city name will be in Indonesian.

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/disbursement/city-list");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/disbursement/city-list \
    -u <secret_key>:

GET https://bigflip.id/api/v2/disbursement/city-list

Response

Status 200
Content-Type: application/json

{
  "102": "Kab. Bekasi",
  "103": "Kab. Purwakarta",
  "106": "Kab. Karawang",
  "108": "Kab. Bogor",
  "109": "Kab. Sukabumi",
  "110": "Kab. Cianjur",
  "111": "Kab. Bandung",
  "112": "Kab. Sumedang",
  "113": "Kab. Tasikmalaya",
  "114": "Kab. Garut",
  "115": "Kab. Ciamis",
  "116": "Kab. Cirebon",
  "117": "Kab. Kuningan",
  "118": "Kab. Indramayu",
  "119": "Kab. Majalengka",
  ...
}

Return an object of all cities with format [city code]: [city name].

Country List

GET /disbursement/country-list HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

This endpoint will return the list of available country code along with it’s name. The country name will be in English.

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/disbursement/country-list");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/disbursement/country-list \
    -u <secret_key>:

GET https://bigflip.id/api/v2/disbursement/country-list

Response

Status 200
Content-Type: application/json

{
  "100000": "Afghanistan",
  "100002": "Albania",
  "100003": "Algeria/Aljazair",
  "100004": "America Samoa",
  "100005": "Andorra",
  "100006": "Angola",
  "100007": "Anguilla",
  "100008": "Antarctica",
  "100009": "Antigua And Barbuda",
  "100010": "Argentina",
  "100011": "Armenia",
  ...
}

Return an object of all countries with format [country code]: [country name].

City and Country List

GET /disbursement/city-country-list HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

This is just a combination from city and country list.

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/disbursement/city-country-list");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/disbursement/city-country-list \
    -u <secret_key>:

GET https://bigflip.id/api/v2/disbursement/city-country-list

Response

Status 200
Content-Type: application/json

{
  "102": "Kab. Bekasi",
  "103": "Kab. Purwakarta",
  "106": "Kab. Karawang",
  "108": "Kab. Bogor",
  "109": "Kab. Sukabumi",
  "110": "Kab. Cianjur",
  "111": "Kab. Bandung",
  "112": "Kab. Sumedang",
  "113": "Kab. Tasikmalaya",
  "114": "Kab. Garut",
  "115": "Kab. Ciamis",
  "116": "Kab. Cirebon",
  "117": "Kab. Kuningan",
  "118": "Kab. Indramayu",
  "119": "Kab. Majalengka",
  ...
}

Return an object of all cities and countries with format [city/country code]: [city/country name].

Error List

As mentioned here, validation error or response with status code 422 will contain inner code. For Special Money Transfer, you can refer to the Money Transfer Error List.

Agent Money Transfer

While there is a significant distinction between Money Transfer and Special Money Transfer, there is only one little difference between Special Money Transfer and Agent Transfer. The difference lies in the availability of the PJP (Penyedia Jasa Pembayaran) license. To put it simply, Agent Money Transfer is a disbursement type of Special Money Transfer for companies who don’t hold a PJP license but want to provide disbursement service for its users.

In this model, Flip as PTD license holder is responsible for the entire flow from the user KYC to money transfer processing. The difference between Agent Money Transfer with other disbursements is that Flip will verify the user KYC and will only process transactions from approved users. Please refer to this section to understand the flow of Agent Verification.

Below is a flow overview on how Agent Money Transfer disbursement works via API.

Agent Money Transfer Flow

Note: Flip will validate the Agent’s KYC status for every disbursement request. Only approved Agents can request to transfer money via Flip.

Create Disbursement for Agent

This is the endpoint for creating disbursement for Agent that has been verified.

Idempotency key in a Disbursement request is a must. It will be used to prevent accidentally created the same disbursement more than once. Please see more detail on Idempotent Request section.
X-TIMESTAMP in a Disbursement request is highly recommended by Flip. It will be used to validate your request in case of network error (timeout, delay, etc.). If a transaction is marked as timeout or stale, then it won’t be processed by Flip. The duration until a transaction is marked stale is 60 seconds.
Flip highly recommend performing the account inquiry before every disbursement request. This is to ensure that the destination account has been validated and to prevent any transaction issues (e.g failed transaction due to account can’t accept fund/inactive/closed, etc.) Please see more detail on Bank Account Inquiry section.

POST /agent-disbursements HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/agent-disbursements");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_POST, TRUE);

$payloads = [
  "agent_id" => 1,
  "account_number" => "1122333301",
  "amount" => 10000,
  "bank_code" => "bni",
  "direction" => "DOMESTIC_SPECIAL_TRANSFER",
  "remark" => "some remark",
  "beneficiary_email" => "[email protected]"
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded",
  "idempotency-key: idem-key-1",
  "X-TIMESTAMP: 2022-01-01T15:02:15+0700"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/agents \
    -X POST \
    -u <secret_key>: \
    -d "agent_id=1" \
    -d "account_number=1122333301" \
    -d "amount=10000" \
    -d "bank_code=bni" \
    -d "direction=DOMESTIC_SPECIAL_TRANSFER" \
    -d "remark=some remark" \
    -d "[email protected]"

POST https://bigflip.id/api/v2/agent-disbursements

Attribute	Description
`Content-Type`	`string (required)` Request content type: `application/x-www-form-urlencoded`.
`idempotency-key`	`string (required)` Idempotency key. Please see more detail on Idempotent Request section.
`X-TIMESTAMP`	`string (optional)` Request timestamp. The format will follow the ISO8601 format.

Body

Attribute	Description
agent_id	`integer (required)` Agent’s ID Validation: Numeric
account_number	`string (required)` The account number of the recipient. Validation: Numeric
amount	`integer (required)` The amount of money to be disbursed. Validation: Numeric
bank_code	`string (required)` Bank code of the recipient bank. Validation: Accepted values are listed here.
`direction`	`string (required)` The direction of the transaction. Validation: Accepted values are as follows: `DOMESTIC_SPECIAL_TRANSFER` When the sender and the recipient are both residing in Indonesia `FOREIGN_INBOUND_SPECIAL_TRANSFER` When the sender are in a foreign country, but the recipient are in Indonesia
`remark`	`string (optional)` Remark to be included in the transfer made to the recipient. Usually will appear as `berita transfer` or `remark` in the transfer receipt. Only for disbursement with the bank code being `bri`, the remark will be prepended with the beneficiary name. Example: `tes remark` will be `john doe test remark`. Validation: 1-18 character Alphanumeric Spaces, `.`, `-`, `/`, `(`, and `)`
`beneficiary_email`	`string (optional)` List of the recipient emails. Validation: Alphanumeric with email format (`[email protected]`) Separate each email with a comma (if any)

Response

{
  "id": 1,
  "user_id": 1,
  "amount": 10000,
  "status": "DONE",
  "timestamp": "2022-01-02 13:00:00",
  "bank_code": "bni",
  "account_number": "1122333301",
  "recipient_name": "John Smith",
  "sender_bank": "bri",
  "remark": "some remark",
  "receipt": "someurl.jpg",
  "time_served": "2022-01-02 13:01:00",
  "bundle_id": 0,
  "company_id": 1,
  "recipient_city": 391,
  "created_from": "API",
  "direction": "DOMESTIC_SPECIAL_TRANSFER",
  "sender": {
    "sender_name": "John Doe",
    "place_of_birth": null,
    "date_of_birth": "31-10-1990",
    "address": "Jalan Margonda Raya",
    "sender_identity_type": "nat_id",
    "sender_identity_number": "1234567890123456",
    "sender_country": 1,
    "job": "entrepreneur"
  },
  "fee": 1000,
  "beneficiary_email": "[email protected]",
  "idempotency_key": "idem-key-1"
}

Response for the Create Disbursement for Agent API is the same with Money Transfer V3 response. See detailed explanation on the Get All Money Transfer V3 response. The sender attribute in the response will be filled with the Agent data.

Get Agent Disbursement by ID

An endpoint for obtaining the Agent’s disbursement data by it’s ID.

GET /agent-disbursements HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/agent-disbursements/1");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/agent-disbursements/1 \
    -u <secret_key>:

GET https://bigflip.id/api/v2/agent-disbursements/[transaction_id]

Response

{
  "id": 1,
  "user_id": 1,
  "amount": 10000,
  "status": "DONE",
  "timestamp": "2022-01-02 13:00:00",
  "bank_code": "bni",
  "account_number": "1122333301",
  "recipient_name": "John Smith",
  "sender_bank": "bri",
  "remark": "some remark",
  "receipt": "someurl.jpg",
  "time_served": "2022-01-02 13:01:00",
  "bundle_id": 0,
  "company_id": 1,
  "recipient_city": 391,
  "created_from": "API",
  "direction": "DOMESTIC_SPECIAL_TRANSFER",
  "sender": {
    "sender_name": "John Doe",
    "place_of_birth": null,
    "date_of_birth": "31-10-1990",
    "address": "Jalan Margonda Raya",
    "sender_identity_type": "nat_id",
    "sender_identity_number": "1234567890123456",
    "sender_country": 1,
    "job": "entrepreneur"
  },
  "fee": 1000,
  "beneficiary_email": "[email protected]",
  "idempotency_key": "idem-key-1"
}

Response for the Get Agent Disbursement API is the same with Money Transfer V3 response. See detailed explanation on the Get All Money Transfer V3 response. The sender attribute in the response will be filled with the Agent data.

Get Agent Disbursement List

An endpoint for obtaining all Agent’s disbursement data.

GET /agent-disbursements HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/agent-disbursements?agent_id=1");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/agent-disbursements?agent_id=1 \
    -u <secret_key>:

GET https://bigflip.id/api/v2/agent-disbursements?agent_id=agent_id&pagination=pagination&page=page&sort=sort

Param	Value
`agent_id`	`integer (optional)` The agent ID that wants to be retrieved. If not provided, will return all agent disbursement for the company instead. Validation: Numeric
`pagination`	`integer (optional)` The pagination of the result. Default value is `20`. Validation: Numeric
`page`	`integer (optional)` The page number of the result to be viewed. Validation: Numeric
`sort`	`string (optional)` Sort the result by the attribute. Use the attribute name (e.g `sort=id`) to sort in ascending order or dash+attribute name (e.g `sort=-id`) to sort in descending order. Validation: Possible values are: `id` `amount` `status`

Response

{
  "total_data": 85,
  "data_per_page": 20,
  "total_page": 5,
  "page": 1,
  "data": [
    {
      "id": 1,
      "user_id": 1,
      "amount": 10000,
      "status": "DONE",
      "timestamp": "2022-01-02 13:00:00",
      "bank_code": "bni",
      "account_number": "1122333301",
      "recipient_name": "John Smith",
      "sender_bank": "bri",
      "remark": "some remark",
      "receipt": "someurl.jpg",
      "time_served": "2022-01-02 13:01:00",
      "bundle_id": 0,
      "company_id": 1,
      "recipient_city": 391,
      "created_from": "API",
      "direction": "DOMESTIC_SPECIAL_TRANSFER",
      "sender": {
        "sender_name": "John Doe",
        "place_of_birth": null,
        "date_of_birth": "31-10-1990",
        "address": "Jalan Margonda Raya",
        "sender_identity_type": "nat_id",
        "sender_identity_number": "1234567890123456",
        "sender_country": 1,
        "job": "entrepreneur"
      },
      "fee": 1000,
      "beneficiary_email": "[email protected]",
      "idempotency_key": "idem-key-1"
    },
    {
      "id": 2,
      "user_id": 1,
      "amount": 20000,
      "status": "DONE",
      "timestamp": "2022-01-02 13:00:00",
      "bank_code": "bni",
      "account_number": "1122333301",
      "recipient_name": "John Smith",
      "sender_bank": "bri",
      "remark": "some remark",
      "receipt": "someurl.jpg",
      "time_served": "2022-01-02 13:01:00",
      "bundle_id": 0,
      "company_id": 1,
      "recipient_city": 391,
      "created_from": "API",
      "direction": "DOMESTIC_SPECIAL_TRANSFER",
      "sender": {
        "sender_name": "John Doe",
        "place_of_birth": null,
        "date_of_birth": "31-10-1990",
        "address": "Jalan Margonda Raya",
        "sender_identity_type": "nat_id",
        "sender_identity_number": "1234567890123456",
        "sender_country": 1,
        "job": "entrepreneur"
      },
      "fee": 1000,
      "beneficiary_email": "[email protected]",
      "idempotency_key": "idem-key-2"
    },
    ...
  ]
}

Response for the Get All Agent Disbursement List API is the same with Money Transfer V3 response. See detailed explanation on the Get All Money Transfer V3 response. The sender attribute in the response will be filled with the Agent data.

Error List

As mentioned here, validation error or response with status code 422 will contain inner code. For Agent Money Transfer, you can refer to the Money Transfer Error List.

Agent Verification

Within this section you will find a set of APIs to have your Agent KYC-ed by Flip prior to creating disbursement with Agent Money Transfer disbursement type. Unlike Special Money Transfer, the KYC done by Flip for Agent Money Transfer is required as non-PJP licensed companies usually don’t conduct KYC on their end as mandated by Bank Indonesia.

Below is a flow overview on how Agent Verification takes place via API.

Agent Verification Flow

Create Agent Identity

An endpoint to create company’s user (Agent) in Flip.

POST /agents HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/agents");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_POST, TRUE);

$payloads = [
   "name" => "John Doe",
   "identity_type" => "ktp",
   "identity_number" => "1234567890123456",
   "birth_date" => "31-10-1990",
   "birth_place" => "Kota Depok",
   "country_id" => 1,
   "province_id" => 12,
   "city_id" => 184,
   "district_id" => 1234,
   "address" => "Jalan Margonda Raya",
   "gender" => "male",
   "occupation" => "entrepreneur",
   "phone_number" => "+628123456789",
   "use_identity_address" => 1,
   "email" => "[email protected]",
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/agents \
    -X POST \
    -u <secret_key>: \
    -d "name=John Doe" \
    -d "identity_type=ktp" \
    -d "identity_number=1234567890123456" \
    -d "birth_date=31-10-1990" \
    -d "birth_place=Kota Depok" \
    -d "country_id=1" \
    -d "province_id=12" \
    -d "city_id=184" \
    -d "district_id=1234" \
    -d "address=Jalan Margonda Raya" \
    -d "gender=male" \
    -d "occupation=entrepreneur" \
    -d "phone_number=+628123456789" \
    -d "use_identity_address=1" \
    -d "[email protected]"

POST https://bigflip.id/api/v2/agents

Attribute	Description
`name`	`string (required)` Agent’s full name. Validation: Alphanumeric 1-50 characters
`identity_type`	`string (required)` Type of identity. Validation: Accepted values are as follows: `ktp` (National Id Card or KTP in Indonesia) `passport` (Passport)
`identity_number`	`string (required)` Identity number based on the type chosen. Validation: 16 characters for KTP 20 characters for Passport
`birth_date`	`string (required)` Agent’s birth date. Validation: `DD-MM-YYYY` format
`birth_place`	`string (required)` Agent’s birth place. Validation: Alphanumeric 255 characters
`country_id`	`integer (required)` Agent’s country code based on the identity chosen. Validation: Available values can be retrieved from the country list API here.
`province_id`	`integer (required)` Agent’s province code based on the identity chosen. Validation: Available values can be retrieved from the province list API here.
`city_id`	`integer (required)` Agent’s city code based on the identity chosen. Validation: Available values can be retrieved from the city list API here.
`district_id`	`integer (required)` Agent’s district code based on the identity chosen. Validation: Available values can be retrieved from the district list API here.
`address`	`string (required)` Agent’s address based on the identity chosen. Validation: Alphanumeric 10-300 characters Spaces, `.`, `-`, `/`, `(`, and `)`
`gender`	`string (required)` Agent’s gender. Validation: Accepted value are as follows: `male` `female`
`occupation`	`string (required)` Agent’s job. Validation: Accepted value are as follows: `housewife` `entrepreneur` `private_employee` `government_employee` `foundation_board` People who work at foundation as an employee `indonesian_migrant_worker` Also known as TKI `company` If sender is a company, not individual `others`
`phone_number`	`string (required)` Agent’s phone number. It must be the one that has been verified by the company. Validation: If it starts with “0”, length is 8-24 characters If it starts with “+”, length is 10-26 characters
`use_identity_address`	`integer (optional)` A flag to set if the current residential address of the Agent is the same as the identity address. Validation: Accepted value are as follows: `0`: false `1`: true
`residence_country_id`	`integer (optional)` Agent’s current residential address country code. Validation: Available values can be retrieved from the country list API here.
`residence_province_id`	`integer (optional)` Agent’s current residential address province code. Validation: Available values can be retrieved from the province list API here.
`residence_city_id`	`integer (optional)` Agent’s current residential address city code. Validation: Available values can be retrieved from the city list API here.
`residence_district_id`	`integer (optional)` Agent’s current residential address district code. Validation: Available values can be retrieved from the district list API here.
`residence_address`	`string (optional)` Agent’s current residential address. Validation: Alphanumeric 10-300 characters Spaces, `.`, `-`, `/`, `(`, and `)`
`email`	`string (optional)` Agent’s email. Validation: Alphanumeric with email format (`[email protected]`)

Response

Status 200
Content-Type: application/json

{
   "id": 1,
   "company_id": 1,
   "name": "John Doe",
   "identity_type": "ktp",
   "identity_number": "1234567890123456",
   "birth_place": "Kota Depok",
   "birth_date": "31-10-1990",
   "gender": "male",
   "country_id": 1,
   "country_name": "Indonesia",
   "province_id": 12,
   "province_name": "Jawa Barat",
   "city_id": 184,
   "city_name": "Kota Depok",
   "district_id": 1234,
   "district_name": "Sukmajaya",
   "address": "Jalan Margonda Raya",
   "residence_country_id": 1,
   "residence_country_name": "Indonesia",
   "residence_province_id": 12,
   "residence_province_name": "Jawa Barat",
   "residence_city_id": 128,
   "residence_city_name": "Kota Depok",
   "residence_district_id": 1234,
   "residence_district_name": "Sukmajaya",
   "residence_address": "Jalan Margonda Raya",
   "occupation": "entrepreneur",
   "phone_number": "+628123456789",
   "email": "[email protected]",
   "kyc_status": "BASIC_DATA"
}

Attribute	Description
`id`	Id of the created Agent
`company_id`	Id of the company which the Agent belongs to
`name`	Agent’s full name
`identity_type`	Type of identity. Possible values are: `ktp` National Id Card or KTP in Indonesia `passport`
`identity_number`	Identity number based on the type chosen
`birth_place`	Agent’s birth place
`birth_date`	Agent’s birth date on `DD-MM-YYYY` format
`gender`	Agent’s gender. Possible values are: `male` `female`
`country_id`	Agent’s country code
`country_name`	Agent’s country name based on the country code
`province_id`	Agent’s province code
`provice_name`	Agent’s province name based on the province code
`city_id`	Agent’s city ID in the identity type chosen
`city_name`	Agent’s city name based on the city code
`district_id`	Agent’s district ID in the identity type chosen
`district_name`	Agent’s district name based on the district code
`address`	Agent’s address
`residence_country_id`	Agent’s current residential address country code
`residence_country_name`	Agent’s current residential address country name
`residence_province_id`	Agent’s current residential address province code
`residence_provice_name`	Agent’s current residential address province name
`residence_city_id`	Agent’s current residential address city code
`residence_city_name`	Agent’s current residential address city name
`residence_district_id`	Agent’s current residential address district code
`residence_district_name`	Agent’s current residential address district name
`residence_address`	Agent’s current residential address
`occupation`	Agent’s job. Possible values are: `housewife` `entrepreneur` `private_employee` `government_employee` `foundation_board` People who work at foundation as an employee `indonesian_migrant_worker` Also known as TKI `company` If sender is a company, not individual `others`
`phone_number`	Agent’s phone number
`email`	Agent’s email
`kyc_status`	Agent’s KYC status. Values can be seen on the KYC status enum.

Update Agent Identity

Use this endpoint to update data of the Agent.

PUT /agents HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Request

See Create Agent Identity request params for detailed explanation. All required parameters need to be sent through this API whether the value of the parameter wants to be changed or not.

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/agents/1");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_PUT, TRUE);

$payloads = [
   "name" => "John Smith",
   "identity_type" => "ktp",
   "identity_number" => "1234567890123456",
   "birth_date" => "31-10-1990",
   "birth_place" => "Kota Depok",
   "country_id" => 1,
   "province_id" => 12,
   "city_id" => 184,
   "district_id" => 1234,
   "address" => "Jalan Margonda Raya",
   "gender" => "male",
   "occupation" => "entrepreneur",
   "phone_number" => "+628123456789",
   "use_identity_address" => 1,
   "email" => "[email protected]",
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/agents/1 \
    -X PUT \
    -u <secret_key>: \
    -d "name=John Smith" \
    -d "identity_type=ktp" \
    -d "identity_number=1234567890123456" \
    -d "birth_date=31-10-1990" \
    -d "birth_place=Kota Depok" \
    -d "country_id=1" \
    -d "province_id=12" \
    -d "city_id=184" \
    -d "district_id=1234" \
    -d "address=Jalan Margonda Raya" \
    -d "gender=male" \
    -d "occupation=entrepreneur" \
    -d "phone_number=+628123456789" \
    -d "use_identity_address=1" \
    -d "[email protected]"

PUT https://bigflip.id/api/v2/agents/[agent_id]

See Create Agent Identity request for detailed request parameters.

Response

{
  "id": 1,
  "company_id": 1,
  "name": "John Smith",
  "identity_type": "ktp",
  "identity_number": "1234567890123456",
  "birth_date": "31-10-1990",
  "birth_place": "Kota Depok ",
  "gender": "male",
  "country_id": 1,
  "country_name": "Indonesia",
  "province_id": 12,
  "provice_name": "Jawa Barat",
  "city_id": 184,
  "city_name": "Kota Depok",
  "district_id": 1234,
  "district_name": "Sukmajaya",
  "address": "Jalan Margonda Raya",
  "residence_country_id": 1,
  "residence_country_name": "Indonesia",
  "residence_province_id": 12,
  "residence_provice_name": "Jawa Barat",
  "residence_city_id": 128,
  "residence_city_name": "Kota Depok",
  "residence_district_id": 1234,
  "residence_district_name": "Sukmajaya",
  "residence_address": "Jalan Margonda Raya",
  "occupation": "ENTREPRENEUR",
  "phone_number": "+628123456789",
  "email": "[email protected]",
  "kyc_status": "BASIC_DATA"
}

See Create Agent Identity response for detailed explanation.

Get Agent Identity

An endpoint for obtaining the Agent identity data.

GET /agents HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/agents/1");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/agents/1 \
    -u <secret_key>:

GET https://bigflip.id/api/v2/agents/[agent_id]

Response

{
  "id": 1,
  "company_id": 1,
  "name": "John Doe",
  "identity_type": "ktp",
  "identity_number": "1234567890123456",
  "phone_number": "+628123456789",
  "email": "[email protected]",
  "kyc_status": "APPROVED",
  "rejected_reason_code": null,
  "rejected_reason": "",
  "status": "ACTIVE",
  "created_at": "2022-01-01 13:00:00"
}

Attribute	Description
`id`	Id of the created Agent
`company_id`	Id of the company which the Agent belongs to
`name`	Agent’s full name
`identity_type`	Type of identity. Possible values are: `ktp` National Id Card or KTP in Indonesia `passport`
`identity_number`	Identity number based on the type chosen
`phone_number`	Agent’s phone number
`email`	Agent’s email
`kyc_status`	Agent’s KYC status. Values can be seen on the KYC status enum.
`rejected_reason_code`	Rejected reason code for Agent’s KYC. This value will be: `null` - if there’s no value `integer` from Agent’s KYC Rejection Reasons Code - if there’s a value
`rejected_reason`	Rejected reason for Agent’s KYC. Full list of rejected reasons can be seen in the Agent’s KYC Rejection Reasons list.
`status`	Enum of agent status: `0` - Deleted `10` - Active `20` - Blacklisted `30` - Blocked
`created_at`	Created timestamp

Upload Agent Identity Image

This is an endpoint for uploading the created Agent’s identity image. The identity image will be used by Flip for verifiying the agent data.

This endpoint uses a different base URL than the other Flip for Business endpoints, i.e: https://api.flip.id/kyc/api/v1.

You need to add a Request-ID header option when using this endpoint.
The Request-ID will be formed of bigflip-{uuid}, where the “uuid” (Universally unique identifier) has to be generated on your end. Example: "Request-ID: bigflip-47EB7F57-5565-4BF0-B9DD-46C6268CEE71".

PUT /users/[id]/identities HTTP/1.1
Content-Type: multipart/form-data
Authorization: Basic [your encoded flip for business secret key]
Request-ID: bigflip-[generated uuid]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://api.flip.id/kyc/api/v1/users/1/identities");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_PUT, TRUE);

$payloads = [
   "user_type" => "1",
   "image" => (binary),
   "identity_type" => "1",
   "selfie" => "1"
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: multipart/form-data",
   "Request-ID: bigflip-47EB7F57-5565-4BF0-B9DD-46C6268CEE71"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://api.flip.id/kyc/api/v1/users/1/identities \
    -X PUT \
    -u <secret_key>: \
    -d "user_type=1" \
    -d "image=(binary)" \
    -d "identity_type=1" \
    -d "selfie=1"

PUT https://api.flip.id/kyc/api/v1/users/[agent_id]/identities

Attribute	Description
`user_type`	`string (required)` Type of user. Validation: User type Agent: `1`
`image`	`file (required)` Image file that wants to be uploaded. Validation: Size less than 2MB Dimension between 256 (W) x 256 (H) and 4096 (W) x 4096 (H) File type should be `png`, `jpg`, or `jpeg` Image should be uploaded right from Camera app (not Gallery or File or Document app)
`identity_type`	`string (required)` Type of identity. Validation: Accepted value are as follows: `1`: National Id Card or KTP in Indonesia `2`: Passport
`selfie`	`string (optional)` Flag denotes the uploaded file is the identity image or selfie with identity image. Validation: Accepted value are as follows: `0`: False (default). Denotes that the uploaded file is identity image. `1`: True. Denotes that the uploaded file is selfie with identity image.

Response

{
  "image_url": "someurl.png"
}

Attribute	Description
`image_url`	URL of the uploaded image

Upload Supporting Documents

This is an endpoint for uploading supporting documents other than the identity image. Supporting documents could be passport, student card, employee card, driving license, etc.

This endpoint uses a different base URL than the other Flip for Business endpoints, i.e: https://api.flip.id/kyc/api/v1.

POST /documents HTTP/1.1
Content-Type: multipart/form-data
Authorization: Basic [your encoded flip for business secret key]
Request-ID: bigflip-[generated uuid]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://api.flip.id/kyc/api/v1/documents");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_POST, TRUE);

$payloads = [
   "user_id" => "1",
   "user_type" => "1",
   "passport" => (binary)
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: multipart/form-data",
   "Request-ID: bigflip-47EB7F57-5565-4BF0-B9DD-46C6268CEE71"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://api.flip.id/kyc/api/v1/documents \
    -X POST \
    -u <secret_key>: \
    -d "user_id=1" \
    -d "user_type=1" \
    -d "passport=(binary)"

POST https://api.flip.id/kyc/api/v1/documents

At least 1 image should be sent via this API. Image validations are as follows:

Size less than 2MB
Dimension between 256 (W) x 256 (H) and 4096 (W) x 4096 (H)
File type should be png, jpg, or jpeg
Image should be uploaded right from Camera app (not Gallery or File or Document app)

Attribute	Description
`user_id`	`string (required)` Agent’s ID. Validation: Numeric
`user_type`	`string (required)` Type of user. Validation: User type Agent: `1`
`student_card`	`file (optional)` Student card image file.
`student_card_selfie`	`file (optional)` Selfie with student card image file.
`employee_card`	`file (optional)` Employee card image file.
`employee_card_selfie`	`file (optional)` Selfie with employee card image file.
`last_certificate`	`file (optional)` Certificate image file.
`last_certificate_selfie`	`file (optional)` Selfie with certificate image file.
`passport`	`file (optional)` Passport image file.
`passport_selfie`	`file (optional)` Selfie with passport image file.
`family_card`	`file (optional)` Family card image file.
`family_card_selfie`	`file (optional)` Selfie with family card image file.
`driving_license`	`file (optional)` Driving license image file.
`driving_license_selfie`	`file (optional)` Selfie with driving license image file.
`married_card`	`file (optional)` Married card image file.
`married_card_selfie`	`file (optional)` Selfie with married card image file.
`npwp`	`file (optional)` NPWP image file.
`npwp_selfie`	`file (optional)` Selfie with NPWP image file.
`bpjs_kesehatan`	`file (optional)` BPJS Kesehatan image file.
`bpjs_kesehatan_selfie`	`file (optional)` Selfie with BPJS Kesehatan image file.

Response

[
  {
    "id": 1,
    "type": 1,
    "selfie": false,
    "path": "someurl.png",
    "created_at": "2022-01-02T15:38:49.317601182+07:00",
    "updated_at": "2022-01-02T15:38:49.317601182+07:00"
  }
]

Attribute	Description
`id`	ID of the uploaded image
`type`	User type: `1` (Agent)
`selfie`	Flag if the uploaded file is the selfie image
`path`	Uploaded file path URL
`created_at`	Timestamp of creation of the uploaded file
`updated_at`	Timestamp of update of the uploaded file

KYC Submission

This endpoint is used when you have finish creating and uploading the required data for your Agent.

This endpoint uses a different base URL than the other Flip for Business endpoints, i.e: https://api.flip.id/kyc/api/v1.

PUT /users/[id]/submit HTTP/1.1
Content-Type: multipart/form-data
Authorization: Basic [your encoded flip for business secret key]
Request-ID: bigflip-[generated uuid]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://api.flip.id/kyc/api/v1/users/1/submit");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_PUT, TRUE);

$payloads = [
   "user_type" => "1"
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: multipart/form-data",
   "Request-ID: bigflip-47EB7F57-5565-4BF0-B9DD-46C6268CEE71"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://api.flip.id/kyc/api/v1/users/1/submit \
    -X PUT \
    -u <secret_key>: \
    -d "user_type=1"

PUT https://api.flip.id/kyc/api/v1/users/[agent_id]/submit

Attribute	Description
`user_type`	`string (required)` Type of user. Validation: User type Agent: `1`

Response

{
  "message": "KYC submission success"
}

Attribute	Description
`message`	KYC submission status message

Repair Data

An endpoint for resubmit the Agent’s identity data.

This endpoint uses a different base URL than the other Flip for Business endpoints, i.e: https://api.flip.id/kyc/api/v1.

PUT /users/[id]/repairData HTTP/1.1
Content-Type: multipart/form-data
Authorization: Basic [your encoded flip for business secret key]
Request-ID: bigflip-[generated uuid]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://api.flip.id/kyc/api/v1/users/1/repair");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_PUT, TRUE);

$payloads = [
  "user_type" => "1",
  "name" => "John Smith",
  "identity_type" => "1",
  "identity_number" => "1234567890123456",
  "birth_date" => "31-10-1990",
  "birth_place" => "Kota Depok",
  "gender" => "1",
  "occupation" => "entrepreneur",
  "country_id" => "1",
  "province_id" => "12",
  "city_id" => "184",
  "district_id" => "1234",
  "address" => "Jalan Margonda Raya",
  "residence_country_id" => "1",
  "residence_province_id" => "12",
  "residence_city_id" => "184",
  "residence_district_id" => "1234",
  "residence_address" => "Jalan Margonda Raya"
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: multipart/form-data",
   "Request-ID: bigflip-47EB7F57-5565-4BF0-B9DD-46C6268CEE71"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://api.flip.id/kyc/api/v1/users/1/repair \
    -X PUT \
    -u <secret_key>: \
    -d "user_type=1" \
    -d "name=John Smith" \
    -d "identity_type=1" \
    -d "identity_number=1234567890123456" \
    -d "birth_date=31-10-1990" \
    -d "birth_place=Kota Depok" \
    -d "gender=1" \
    -d "occupation=entrepreneur" \
    -d "country_id=1" \
    -d "province_id=12" \
    -d "city_id=184" \
    -d "district_id=1234" \
    -d "address=Jalan Margonda Raya" \
    -d "residence_country_id=1" \
    -d "residence_province_id=12" \
    -d "residence_city_id=184" \
    -d "residence_district_id=1234" \
    -d "residence_address=Jalan Margonda Raya"

PUT https://api.flip.id/kyc/api/v1/users/[agent_id]/repair

Attribute	Description
`user_type`	`string (required)` Type of user. Validation: User type Agent: `1`
`name`	`string (optional)` Agent’s full name. Validation: Alphanumeric 1-50 characters
`identity_type`	`string (optional)` Type of identity. Validation: Accepted value are as follows: `1`: National Id Card or KTP in Indonesia `2`: Passport
`identity_number`	`string (optional)` Identity number based on the type chosen. Validation: 16 characters for KTP 20 characters for Passport
`birth_date`	`string (optional)` Agent’s birth date. Validation: `DD-MM-YYYY` format
`birth_place`	`string (optional)` Agent’s birth place. Validation: Alphanumeric 255 characters
`gender`	`string (optional)` Agent’s gender. Validation: Accepted value are as follows: `1` for male `2` for female
`occupation`	`string (optional)` Agent’s job. Validation: Accepted value are as follows: `housewife` `entrepreneur` `private_employee` `government_employee` `foundation_board` People who work at foundation as an employee `indonesian_migrant_worker` Also known as TKI `company` If sender is a company, not individual `others`
`country_id`	`string (optional)` Agent’s country code based on the identity chosen. Validation: Available values can be retrieved from the country list API here.
`province_id`	`string (optional)` Agent’s province code based on the identity chosen. Validation: Available values can be retrieved from the province list API here.
`city_id`	`string (optional)` Agent’s city code based on the identity chosen. Validation: Available values can be retrieved from the city list API here.
`district_id`	`string (optional)` Agent’s district code based on the identity chosen. Validation: Available values can be retrieved from the district list API here.
`address`	`string (optional)` Agent’s address based on the identity chosen. Validation: Alphanumeric 10-300 characters Spaces, `.`, `-`, `/`, `(`, and `)`
`residence_country_id`	`string (optional)` Agent’s current residential address country code. Validation: Available values can be retrieved from the country list API here.
`residence_province_id`	`string (optional)` Agent’s current residential address province code. Validation: Available values can be retrieved from the province list API here.
`residence_city_id`	`string (optional)` Agent’s current residential address city code. Validation: Available values can be retrieved from the city list API here.
`residence_district_id`	`string (optional)` Agent’s current residential address district code. Validation: Available values can be retrieved from the district list API here.
`residence_address`	`string (optional)` Agent’s current residential address. Validation: Alphanumeric 10-300 characters Spaces, `.`, `-`, `/`, `(`, and `)`

Response

{
  "user_id": 1,
  "user_type": 1,
  "name": "John Smith",
  "birth_place": "Kota Depok ",
  "birth_date": "31-10-1990T00:00:00Z",
  "gender": 1,
  "status": 20,
  "basic_data_filled": true,
  "identity_type": 1,
  "nik": "1234567890123456",
  "passport_number": null,
  "occupation": "entrepreneur",
  "country_id": 1,
  "province_id": 12,
  "city_id": 184,
  "district_id": 1234,
  "address": "Jalan Margonda Raya",
  "residence_country_id": 1,
  "residence_province_id": 12,
  "residence_city_id": 128,
  "residence_district_id": 1234,
  "residence_address": "Jalan Margonda Raya",
  "created_at": "2022-04-20T14:37:07+07:00",
  "updated_at": "2022-04-21T13:48:05+07:00"
}

Attribute	Description
`user_id`	Id of the Agent
`user_type`	User type Agent: `1`
`name`	Agent’s full name
`birth_date`	Agent’s birth date
`birth_place`	Agent’s birth place
`gender`	Agent’s gender. Possible values are: `1` for male `2` for female
`status`	For this endpoint, the returned status will always be `20`. It means `PENDING` (See KYC status enum)
`basic_data_filled`	Flag if the Agent’s basic data has been filled
`identity_type`	Type of identity. Possible values: `1`: National Id Card or KTP in Indonesia `2`: Passport
`nik`	Identity number value if the `identity_type` is KTP (`1`)
`passport_number`	Identity number value if the `identity_type` is Passport (`2`)
`occupation`	Agent’s job. Possible values are: `housewife` `entrepreneur` `private_employee` `government_employee` `foundation_board` People who work at foundation as an employee `indonesian_migrant_worker` Also known as TKI `company` If sender is a company, not individual `others`
`country_id`	Agent’s country code
`province_id`	Agent’s province code
`city_id`	Agent’s city ID in the identity type chosen
`district_id`	Agent’s district ID in the identity type chosen
`address`	Agent’s address
`residence_country_id`	Agent’s current residential address country code
`residence_province_id`	Agent’s current residential address province code
`residence_city_id`	Agent’s current residential address city code
`residence_district_id`	Agent’s current residential address district code
`residence_address`	Agent’s current residential address
`created_at`	Agent’s identity data created at timestamp
`updated_at`	Agent’s identity data updated at timestamp

Repair Identity Image

An endpoint for reuploading the Agent’s identity image.

This endpoint uses a different base URL than the other Flip for Business endpoints, i.e: https://api.flip.id/kyc/api/v1.

PUT /users/[id]/repairPhoto HTTP/1.1
Content-Type: multipart/form-data
Authorization: Basic [your encoded flip for business secret key]
Request-ID: bigflip-[generated uuid]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://api.flip.id/kyc/api/v1/users/1/repairPhoto");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_PUT, TRUE);

$payloads = [
   "user_type" => "1",
   "image" => (binary)
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: multipart/form-data",
   "Request-ID: bigflip-47EB7F57-5565-4BF0-B9DD-46C6268CEE71"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://api.flip.id/kyc/api/v1/users/1/repairPhoto \
    -X PUT \
    -u <secret_key>: \
    -d "user_type=1" \
    -d "image=(binary)"

PUT https://api.flip.id/kyc/api/v1/users/[agent_id]/repairPhoto

Attribute	Description
`user_type`	`string (required)` Type of user. Validation: User type Agent: `1`
`image`	`file (required)` Agent’s identity image file. Validation: Size less than 2MB Dimension between 256 (W) x 256 (H) and 4096 (W) x 4096 (H) File type should be `png`, `jpg`, or `jpeg` Image should be uploaded right from Camera app (not Gallery or File or Document app)

Response

{
  "image_url": "someurl.png"
}

Attribute	Description
`image_url`	URL of the uploaded image

Repair Identity-Selfie Image

An endpoint for reuploading the Agent’s selfie with identity image.

This endpoint uses a different base URL than the other Flip for Business endpoints, i.e: https://api.flip.id/kyc/api/v1.

PUT /users/[id]/repairSelfie HTTP/1.1
Content-Type: multipart/form-data
Authorization: Basic [your encoded flip for business secret key]
Request-ID: bigflip-[generated uuid]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://api.flip.id/kyc/api/v1/users/1/repairSelfie");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_PUT, TRUE);

$payloads = [
   "user_type" => "1",
   "image" => (binary)
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: multipart/form-data",
   "Request-ID: bigflip-47EB7F57-5565-4BF0-B9DD-46C6268CEE71"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://api.flip.id/kyc/api/v1/users/1/repairSelfie \
    -X PUT \
    -u <secret_key>: \
    -d "user_type=1" \
    -d "image=(binary)"

PUT https://api.flip.id/kyc/api/v1/users/[agent_id]/repairSelfie

Attribute	Description
`user_type`	`string (required)` Type of user. Validation: User type Agent: `1`
`image`	`file (required)` Image of Agent’s selfie with ID. Validation: Size less than 2MB Dimension between 256 (W) x 256 (H) and 4096 (W) x 4096 (H) File type should be `png`, `jpg`, or `jpeg` Image should be uploaded right from Camera app (not Gallery or File or Document app)

Response

{
  "image_url": "someurl.png"
}

Attribute	Description
`image_url`	URL of the uploaded image

Get Country List

An endpoint for obtaining the Country List.

This endpoint uses a different base URL than the other Flip for Business endpoints, i.e: https://api.flip.id/kyc/api/v1.

GET /countries HTTP/1.1
Content-Type: multipart/form-data
Authorization: Basic [your encoded flip for business secret key]
Request-ID: bigflip-[generated uuid]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/countries?user_type=1");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: application/x-www-form-urlencoded",
   "Request-ID: bigflip-47EB7F57-5565-4BF0-B9DD-46C6268CEE71"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://api.flip.id/kyc/api/v1/countries?user_type=1 \
    -u <secret_key>:

GET https://api.flip.id/kyc/api/v1/countries?user_type=user_type

Param	Value
`user_type`	`string (required)` Type of user. Validation: User type Agent: `1`

Response

{
  "countries": [
    {
      "id": 1,
      "name": "Indonesia"
    },
    ...
  ]
}

Attribute	Description
`countries`	Array of country objects

Country Object

Attribute	Description
`id`	Country ID
`name`	Country name

Get Province List

An endpoint for obtaining the Province List.

This endpoint uses a different base URL than the other Flip for Business endpoints, i.e: https://api.flip.id/kyc/api/v1.

GET /provinces HTTP/1.1
Content-Type: multipart/form-data
Authorization: Basic [your encoded flip for business secret key]
Request-ID: bigflip-[generated uuid]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/provinces?user_type=1&country_id=1");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: application/x-www-form-urlencoded",
   "Request-ID: bigflip-47EB7F57-5565-4BF0-B9DD-46C6268CEE71"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://api.flip.id/kyc/api/v1/provinces?user_type=1&country_id=1 \
    -u <secret_key>:

GET https://api.flip.id/kyc/api/v1/provinces?user_type=user_type&country_id=country_id

Param	Value
`user_type`	`string (required)` Type of user. Validation: User type Agent: `1`
`country_id`	`integer (optional)` Country ID for filtering the provinces

Response

{
  "provinces": [
    {
      "id": 1,
      "name": "West Java"
    },
    ...
  ]
}

Attribute	Description
`provinces`	Array of province objects

Province Object

Attribute	Description
`id`	Province ID
`name`	Province name

Get City List

An endpoint for obtaining the City List.

This endpoint uses a different base URL than the other Flip for Business endpoints, i.e: https://api.flip.id/kyc/api/v1.

GET /cities HTTP/1.1
Content-Type: multipart/form-data
Authorization: Basic [your encoded flip for business secret key]
Request-ID: bigflip-[generated uuid]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/cities?user_type=1&province_id=1");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: application/x-www-form-urlencoded",
   "Request-ID: bigflip-47EB7F57-5565-4BF0-B9DD-46C6268CEE71"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://api.flip.id/kyc/api/v1/cities?user_type=1&province_id=1 \
    -u <secret_key>:

GET https://api.flip.id/kyc/api/v1/cities?user_type=user_type&province_id=province_id

Param	Value
`user_type`	`string (required)` Type of user. Validation: User type Agent: `1`
`province_id`	`integer (optional)` Province ID for filtering the cities

Response

{
  "cities": [
    {
      "id": 1,
      "name": "Depok"
    },
    ...
  ]
}

Attribute	Description
`cities`	Array of city objects

City Object

Attribute	Description
`id`	City ID
`name`	City name

Get District List

An endpoint for obtaining the District List.

This endpoint uses a different base URL than the other Flip for Business endpoints, i.e: https://api.flip.id/kyc/api/v1.

GET /districts HTTP/1.1
Content-Type: multipart/form-data
Authorization: Basic [your encoded flip for business secret key]
Request-ID: bigflip-[generated uuid]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/districts?user_type=1&city_id=1");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: application/x-www-form-urlencoded",
   "Request-ID: bigflip-47EB7F57-5565-4BF0-B9DD-46C6268CEE71"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://api.flip.id/kyc/api/v1/districts?user_type=1&city_id=1 \
    -u <secret_key>:

GET https://api.flip.id/kyc/api/v1/districts?user_type=user_type&districts?city_id=city_id

Param	Value
`user_type`	`string (required)` Type of user. Validation: User type Agent: `1`
`city_id`	`integer (optional)` City ID for filtering the districts

Response

{
  "districts": [
    {
      "id": 1,
      "name": "Sukmajaya"
    },
    ...
  ]
}

Attribute	Description
`districts`	Array of district objects

District Object

Attribute	Description
`id`	District ID
`name`	District name

Enumeration

Agent’s KYC Status

Name	Description
`BASIC_DATA`	Agent has been created successfully
`UPLOAD_IDENTITY_FAILED`	Identity image is failed to be uploaded
`UPLOAD_IDENTITY_SUCCESS`	Identity image is succeed to be uploaded
`UPLOAD_IDENTITY_SELFIE_PROGRESS`	Selfie identity image has been uploaded
`UPLOAD_IDENTITY_SELFIE_FAILED`	Selfie identity image is failed to be uploaded
`UPLOAD_IDENTITY_SELFIE_SUCCESS`	Selfie identity image is succeed to be uploaded
`PENDING`	Agent is waiting to be checked by Flip ops
`SUSPICIOUS`	Agent is flagged by Flip’s admin, and needs to be checked.
`NEED_TO_CHECK`	Agent is flagged by Flip’s admin, and needs to be checked.
`HELP`	Need to upload supporting documents, usually after Agent is rejected
`APPROVED`	KYC Approved
`REJECTED`	KYC Rejected

Agent’s KYC Rejection Reasons

Code	Meaning	Expectation
`10`	The data that is filled in does not match with identity card	Repair ID data
`11`	NIK does not match the format	Upload supporting document (Kartu Keluarga/NPWP/BPJS Kesehatan)
`12`	NIK already registered in another account	Chat with CX team
`13`	NIK data is bolded manually	Upload supporting document (Kartu Keluarga/NPWP/BPJS Kesehatan)
`14`	Identity card blurry or got spotlight or cannot be read	Upload ID again
`15`	The Identity card uploaded is not (KTP/Passport/KITAS)	Upload ID again
`16`	Identity card is not fully captured	Upload ID again
`17`	Part of the data on the photo ID card is missing so it can’t be read in its entirety	Upload ID again OR Upload supporting documents (Kartu Keluarga/NPWP/BPJS Kesehatan)
`18`	If the identity card is broken up to the data section on the identity card	Upload ID again
`19`	ID card has expired	Upload ID again
`20`	Photo ID card is not original	Upload ID again
`21`	The background of the user’s pass photo on the ID card is not blue/red	Upload ID again OR Upload supporting documents (Kartu Keluarga/NPWP/BPJS Kesehatan)
`22`	Pass photo in identity card is not original but only patch photo	Chat with CX team
`23`	Combination photos are not clearly visible or partially covered	Upload selfie with ID again
`24`	Combination photos only contain face images	Upload selfie with ID again
`25`	Combination photo of the user holding another identity card other than (KTP/Passport/KITAS)	Upload selfie with ID again
`26`	Combination photos do not directly hold an identity card	Upload selfie with ID again
`27`	Photos taken indirectly	Upload selfie with ID again
`28`	User wearing veil	Chat with CX team
`29`	Indicated in violation of the Terms and Conditions of the application	Fraud user - Can’t do anything
`30`	We need confirm your KYC with some data	Chat with CX team
`31`	Identity card of supporting document expired	Upload supporting documents - (Kartu Keluarga, NPWP, BPJS Kesehatan)
`32`	Photo of supporting document is blurry or can’t be read	Upload supporting documents - (Kartu Keluarga, NPWP, BPJS Kesehatan)
`33`	Photo of supporting document is a random object/image	Upload supporting documents - (Kartu Keluarga, NPWP, BPJS Kesehatan)

Error List

This error list is related to the Agent’s Verification services.

Error format

{
  "errors": [
    {
      "code": [error code],
      "message": [error message]
    }
  ]
}

Error Code	Meaning	Expectation
400	Invalid user ID	Recheck the userID in URL params
401	Invalid token	Header Request-ID must be filled Missing `user_type` IP must be whitelisted
403	Forbidden	Missing `user_type`
404	Endpoint not found	Recheck API URL
500	Internal server error	Reach out to FLIP KYC team
503	Internal server error	Reach out to FLIP KYC team
1001	Attribute payload is empty	Fill the attribute payload
1002	Param attribute is invalid	Ensure attribute’s validation
2001	Param attribute characters is invalid	Ensure attribute’s validation
2002	Param attribute is duplicate	Use different identity number
2003	Param attribute contains non-sterile characters	Ensure attribute’s validation
2004	Param attribute contains non-alphanumeric characters	Ensure attribute’s validation
1011	Agent ID is not found	Agent ID not registered yet
4001	Invalid input parameter	Ensure attribute’s validation
4002	Invalid user type	Ensure attribute’s validation
4003	Invalid user ID	Recheck the userID in URL params
4004	Invalid identity type	Ensure attribute’s validation
4006	Rejected reason is not match	Reheck rejected_reason_code. It should match with the API Repair type.
4007	Image file size is too large	Image size should be less than 2MB
4008	Image is not valid	Please ensure image validations
4009	Failed reading image data	Ensure uploaded image is not corrupted
4010	Invalid agent status	Depends on which API this error displayed: KYC Submission: Ensure agent’s KYC status is 19 (`UPLOAD_IDENTITY_SELFIE_SUCCESS`) Upload Supporting Documents: Ensure agent’s KYC status is 50 (`REJECTED`) or 15 (`UPLOAD_IDENTITY_SELFIE_FAILED`)
4011	Maximum retry has been achieved	Upload supporting documents
4012	Identity number has been used/registered	Use different identity number
4013	Invalid document type	Ensure attribute’s validation
4014	Image not similar	Reach out to FLIP KYC team
4015	Cannot create/update agent data	Reach out to FLIP KYC team

Accept Payment

Hi, Welcome to Flip for Business Accept Payment APIs !

Flip for Business - will help you to accept payment from your customers. You can accept payments from your customers using various payment methods like Bank Transfers, Virtual Accounts, E-Wallets, QRIS, Credit Cards and Retail methods. You can see the the end customer transaction flow in our live demo here https://business.flip.id/accept-payment-landing#demo.

All payment links, payment transactions, and/or the details can be monitored through the Flip for Business dashboard and various API endpoints.

You can integrate with Accept Payment APIs depending on the flow that you want for your customers-

Flow 1 - Link generation using API and using Flip for Business Front End for the complete payor journey

Flow 1 Example

Flow 2 - Link generation using API by passing name and email of the payor and using Flip for Business UI for only payment option selection payor journey

Flow 2 Example

Flow 3 - Generate a payment and having complete control of the payor’s front end journey

Flow 3 Example

Create Bill

An endpoint to create a payment/bill link.

POST /pwf/bill HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic <secret_key>: (notes with ":" after secret key)

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/pwf/bill");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_POST, TRUE);

$payloads = [
    "title" => "Coffee Table",
    "amount" => 900000,
    "type" => "SINGLE",
    "expired_date" => "2022-12-30 15:50",
    "redirect_url" => "https://someurl.com",
    "is_address_required" => 0,
    "is_phone_number_required" => 0
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/pwf/bill \
    -X POST \
    -u <secret_key>: \
    -d title="Coffee Table" \
    -d amount="900000" \
    -d type="SINGLE" \
    -d expired_date="2022-12-30 15:50:00" \
    -d redirect_url="https://someurl.com" \
    -d is_address_required="0" \
    -d is_phone_number_required="0"

POST https://bigflip.id/api/v2/pwf/bill

Attribute	Description
title	`string (required)` The title of the bill.
type	`string (required)` Bill type: `SINGLE`: single use `MULTIPLE`: multiple use For bill created with step 3 only `SINGLE` is permissible.
amount	`integer (optional)` Payment amount, minimum Rp10.000. Leave blank if want to set a flexible amount. Optional for bill created with Step 1 and mandatory for bill created with Step 2/ Step 3.
expired_date	`string (optional)` Bill expiry date. The bill can’t be used any more beyond the expiry date. Format: `YYYY-MM-DD HH:mm`.
redirect_url	`string (optional)` Redirect URL after payment is success.
is_address_required	`integer (optional)` A flag if user needs to input their address when creating payment. `0`: false (default) `1`: true
is_phone_number_required	`integer (optional)` A flag if user needs to input their phone number when creating payment. `0`: false (default) `1`: true
step	`integer (required)` Which step the customers will be redirected to when opening the payment link. `1`: input-data. Flow 1 (default) `2`: payment-method. Flow 2 `3`: payment-confirmation. Flow 3 For more information on which step parameter to choose, check out which flow you plan to have for your customers here.
sender_name	`string (required for step 2-payment method or step 3-payment-confirmation)` Name of the Customer.
sender_email	`string (required for step 2-payment method or step 3-payment-confirmation)` Email of the Customer.
sender_phone_number	`string (applicable for step 2-payment method or step 3-payment-confirmation)` Phone number of the Customer.
sender_address	`string (applicable for step 2-payment method or step 3-payment-confirmation)` Address of the Customer.
sender_bank	`string (required for step 3-payment-confirmation)` Bank that is used for the payment. Value will be bank_code of Flip. Please instruct your users to follow these steps for making BSI VA* payments*
sender_bank_type	`string (required for step 3-payment-confirmation)` For bank transfer the value must be set as `bank_account` For virtual account the value must be set as `virtual_account` For e-wallet the value must be set as `wallet_account`. For retail the value must be set as `online_to_offline_account`. For credit card the value must be set as `credit_card_account`. See Bank Account Constants.

Response

Status 200
Content-Type: application/json

Step 1
{
  "link_id": 1,
  "link_url": "flip.id/$companyname/#coffeetable",
  "title": "Coffee Table",
  "type": "SINGLE",
  "amount": 900000,
  "redirect_url": "https://someurl.com",
  "expired_date": "2022-12-30 15:50:00",
  "created_from": "API",
  "status": "ACTIVE",
  "step": 1,
  "is_address_required": 0,
  "is_phone_number_required": 0
}

Step 2
{
  "link_id": 1,
  "link_url": "flip.id/$companyname/#coffeetable",
  "title": "Coffee Table",
  "type": "SINGLE",
  "amount": 900000,
  "redirect_url": "https://someurl.com",
  "expired_date": "2022-12-30 15:50:00",
  "created_from": "API",
  "status": "ACTIVE",
  "is_address_required": 0,
  "is_phone_number_required": 0,
  "step": 2,
  "customer": {
      "name": "Customer a",
      "email": "[email protected]",
      "address": "Jl. Imam Bonjol No.39, Jakarta.",
      "phone": "+62888888888",
  }
}

Step 3 - VA Payment Method (`payment_url` for displaying payment confirmation is using Flip internal page)
{
    "link_id": 3276,
    "link_url": "flip.id/$autobisonmaster/#testpgpayment303-5",
    "title": "Test PG Payment 303",
    "type": "SINGLE",
    "amount": 50000,
    "redirect_url": "",
    "expired_date": null,
    "created_from": "API",
    "status": "ACTIVE",
    "is_address_required": 0,
    "is_phone_number_required": 0,
    "step": 3,
    "customer": {
        "name": "Customer A",
        "email": "[email protected]",
        "address": "Jl. Imam Bonjol No.39, Jakarta.",
        "phone": "+62888888888",
    },
    "bill_payment": {
        "id": "62d8ddde3e10b",
        "amount": 50000,
        "unique_code": 0,
        "status": "PENDING",
        "sender_bank": "mandiri",
        "sender_bank_type": "virtual_account",
        "receiver_bank_account": {
            "account_number": "3453280274531212",
            "account_type": "virtual_account",
            "bank_code": "mandiri",
            "account_holder": "Customer A"
        },
        "user_address": "Jl. Imam Bonjol No.39, Jakarta.",
        "user_phone": "+62888888888",
        "created_at": 1658379743
    },
    "payment_url": "https://flip.id/pwf/transaction/consolidated?redirected_from=internal&id=62d8ddde3e10b"
}

Step 3 - e-Wallet Payment Method(`payment_url` for displaying payment instruction is using Flip's partner/external's page) 
{
    "link_id": 55228,
    "link_url": "flip.id/$fliptechlenterainspirasipertiwi-1/#sfs3",
    "title": "SFS3",
    "type": "SINGLE",
    "amount": 10100,
    "redirect_url": "https://tokopedia.com",
    "expired_date": "2022-07-24 23:59",
    "created_from": "API",
    "status": "ACTIVE",
    "is_address_required": 0,
    "is_phone_number_required": 0,
    "step": 3,
    "customer": {
        "name": "Customer A",
        "email": "[email protected]",
        "address": "Jl. Imam Bonjol No.39, Jakarta.",
        "phone": "+62888888888",
    },
    "bill_payment": {
        "id": "62d8cfc3d145a",
        "amount": 10100,
        "unique_code": 0,
        "status": "PENDING",
        "sender_bank": "ovo",
        "sender_bank_type": "wallet_account",
        "receiver_bank_account": {
            "account_number": null,
            "account_type": "wallet_account",
            "bank_code": "ovo",
            "account_holder": "Customer A"
        },
        "user_address": "Jl. Imam Bonjol No.39, Jakarta.",
        "user_phone": "+62888888888",
        "created_at": 1658376132
    },
    "payment_url": "https://flip.id/pwf/transaction/consolidated?redirected_from=internal&id=64a67968e9898"
}

Step 3 - QRIS Payment Method (`payment_url` for displaying payment confirmation is using Flip internal page)
{
    "link_id": 3745,
    "link_url": "flip.id/$autobisonmaster/#tiketidnvsmaytest-1",
    "title": "Tiket IDN vs MAY Test",
    "type": "SINGLE",
    "amount": 50000,
    "redirect_url": "",
    "expired_date": null,
    "created_from": "API",
    "status": "ACTIVE",
    "is_address_required": 0,
    "is_phone_number_required": 0,
    "step": 3,
    "customer": {
        "name": "Customer A",
        "email": "[email protected]",
        "address": "Jl. Imam Bonjol No.39, Jakarta.",
        "phone": "+62888888888",
    },
    "bill_payment": {
        "id": "PGPWF1011688631657552",
        "amount": 50000,
        "unique_code": 0,
        "status": "PENDING",
        "sender_bank": "qris",
        "sender_bank_type": "wallet_account",
        "receiver_bank_account": {
            "account_number": null,
            "account_type": "wallet_account",
            "bank_code": "qris",
            "account_holder": "Customer A",
            "qr_code_data": "00020101021226530012COM.DOKU.WWW0118936008990000004627020446270303UBE51440014ID.CO.QRIS.WWW0215ID10200480846270303UBE520446275303360540850000.005802ID5904FLIP6007Jakarta61059999962470703A0150364627a38b4add91894976a8599207f662f1786304D953"
        },
        "user_address": "Jl. Imam Bonjol No.39, Jakarta.",
        "user_phone": "+62888888888",
        "created_at": 1688631657
    },
    "payment_url": "https://flip.id/pwf/transaction/consolidated?redirected_from=internal&id=64a67968e9898"
}

See Bill Object for the details.

Creating & Displaying QR Image

Using the Create Bill API with step 3, Merchant is able to generate the QR Image based on the qr_code_data value from the Create Bill API response. As reference merchant can check ZXing Library for generating the QR Image, here is the reference link https://github.com/zxing/zxing

Following the standard from ASPI, Merchant need to display QRIS Logo above the QR and NMID below the QR, like sample below. NMID will be shared by Flip (provided by PTEN) when the Merchant is ready to go to Production.

PWF QRIS Example

BSI VA Payment Steps

BSI Mobile

Buka Aplikasi BSI Mobile
Pilih Menu pembayaran
Pilih menu E-commerce
Pilih merchant “DOKU”
Pilih Nomor Rekening
Masukkan No Bayar : “000002489144” (No Bayar adalah Nomor VA TANPA 4 digit pertama)
Masukkan PIN BSI Mobile
Transaksi selesai

Banking Syariah Indonesia Net

Buka Banking Syariah Indonesia Net
Pilih Menu “pembayaran”
Pilih Jenis Pembayaran “Institusi”
Pilih merchant “DOKU”
Masukkan Nomor Pembayaran : “000002489144”
Klik tombol “Verifikasi Aplikasi Pembayaran”
Masukkan PIN dan Token Banking Syariah Indonesia Net
Klik tombol “Submit”
Transaksi selesai

ATM BSI

Pilih Bahasa
Masukkan PIN ATM
Pilih “MENU UTAMA”
Pilih menu “PEMBAYARAN/PEMBELIAN”
Pilih menu “AKADEMIK/INSTITUSI”
Masukkan Kode Institusi (6059) dan Nomor Virtual Account (000002489144) = 6059000002489144 dan klik “BENAR”
Klik “BENAR” pada slide konfirmasi
Transaksi selesai

Payment using Internet Banking / Mobile Banking Other Banks

Buka menu Transfer ke Rekening Bank lain
Pilih bank tujuan “Bank Syariah Indonesia (BSI)” dengan kode bank “451”
Masukkan Kode Transfer Bank Lain (900), Kode Institusi (6059), dan Kode Pembayaran (000002489144) = “9006059000002489144” sebagai rekening tujuan, kemudian tekan “Benar”
Masukkan Jumlah Pembayaran. Pastikan Jumlah Pembayaran sesuai dengan invoice. Pembayaran akan gagal jika Jumlah Pembayaran berbeda dengan invoice.
Muncul Layar Konfirmasi Transfer yang berisi Nomor rekening tujuan dan Nama beserta jumlah yang dibayar, jika sudah benar
Selesai

Channel Payment using ATMs of Other Banks

Buka menu Transfer ke Rekening Bank lain
Masukkan Kode Bank BSI (451), Kode Transfer Bank Lain (900), Kode Institusi (6059), dan Kode Pembayaran (000002489144) = “4519006059000002489144” sebagai rekening tujuan, kemudian tekan “Benar”
Masukkan Jumlah Pembayaran dan pilih “Benar”. Pastikan Jumlah Pembayaran sesuai dengan invoice. Pembayaran akan gagal jika Jumlah Pembayaran berbeda dengan invoice.
Muncul Layar Konfirmasi Transfer yang berisi Nomor rekening tujuan dan Nama beserta jumlah yang dibayar, jika sudah benar, Tekan “Benar”
Selesai

Mandiri VA Payment Steps

Livin’ by Mandiri

Login ke Livin’
Pilih menu “Bayar”
Ketik “DOKU VA Aggregator” atau “88899” pada bagian search
Masukkan No VA “8889940019213374” secara keseluruhan, lalu masukan nominal, kemudian tekan Lanjutkan
Pastikan detail pembayaran sudah sesuai seperti no VA, Jumlah Pembayaran dan detail lainnya
Pilih Rekening Sumber
Pilih Lanjut Bayar kemudian masukkan PIN dan konfirmasi
Transaksi selesai dan simpan resi sebagai bukti transaksi

ATM Mandiri

Masukkan Kartu ATM Mandiri, lalu pilih Bahasa
Masukkan PIN ATM
Pilih menu “Bayar/Beli”
Pilih menu “Lainnya”
Kemudian tekan kembali “Lainnya”
Pilih menu “Multipayment”
Masukkan Kode Perusahaan / Institusi “88899”, kemudian tekan BENAR
Masukkan No VA “8889940019213374” secara keseluruhan, lalu masukan nominal, kemudian tekan Lanjutkan
Pastikan detail pembayaran sudah sesuai seperti no VA, Jumlah Pembayaran dan detail lainnya
Konfirmasi pembayaran dengan pilih “YA”
Transaksi selesai dan simpan resi sebagai bukti transaksi

ATM Bank Lain

Masukkan PIN
Pilih menu “Transfer”
Pilih “Ke Rek Bank Lain”
Masukkan Kode Bank Mandiri “008” dan kode bayar “8889940019213374” sebagai rekening tujuan, kemudian tekan “Benar”
Masukkan Jumlah pembayaran dan pilih “Benar”
Muncul Layar Konfirmasi Transfer yang berisi Nomor rekening tujuan dan Nama beserta jumlah yang dibayar, jika sudah benar, Tekan “Benar”
Selesai

BRI VA Payment Steps

ATM BRI

Masukkan Kartu Debit BRI dan PIN Anda
Pilih menu Transaksi Lain > Pembayaran > Lainnya > BRIVA
Masukkan kode pembayaran / virtual account number anda : “1236260010915996”
Di halaman konfirmasi, pastikan detil pembayaran sudah sesuai seperti Nomor BRIVA, Nama Pelanggan dan Jumlah Pembayaran
Ikuti instruksi untuk menyelesaikan transaksi
Simpan struk transaksi sebagai bukti pembayaran

Mobile Banking BRI

Login aplikasi BRI Mobile
Pilih menu BRIVA
Pilih pembayaran baru
Masukkan kode pembayaran / virtual account number anda : “1236260010915996”
Di halaman konfirmasi, pastikan detil pembayaran sudah sesuai seperti Nomor BRIVA, Nama Pelanggan dan Total Pembayaran
Masukkan PIN
Simpan notifikasi SMS sebagai bukti pembayaran

Internet Banking BRI

Login pada alamat Internet Banking BRI (https://ib.bri.co.id/ib-bri/Login.html)
Pilih menu Pembayaran Tagihan > Pembayaran > BRIVA
Masukkan kode pembayaran / virtual account number anda : “1236260010915996”
Di halaman konfirmasi, pastikan detil pembayaran sudah sesuai seperti Nomor BRIVA, Nama Pelanggan dan Jumlah Pembayaran
Masukkan password dan mToken
Cetak/simpan struk pembayaran BRIVA sebagai bukti pembayaran

Mini ATM/EDC BRI

Pilih menu Mini ATM > Pembayaran > BRIVA
Swipe Kartu Debit BRI Anda
Masukkan kode pembayaran / virtual account number anda : “1236260010915996”
Masukkan PIN
Di halaman konfirmasi, pastikan detil pembayaran sudah sesuai seperti Nomor BRIVA, Nama Pelanggan dan Jumlah Pembayaran
Simpan struk transaksi sebagai bukti pembayaran

ATM Bank Lain

Masukkan Kartu Debit dan PIN Anda
Pilih menu Transaksi Lainnya > Transfer > Ke Rek Bank Lain
Masukkan kode bank BRI kemudian diikuti kode pembayaran / virtual account number anda : “0021236260010915996”
Ikuti instruksi untuk menyelesaikan transaksi
Simpan struk transaksi sebagai bukti pembayaran

BNI VA Payment Steps

Mobile banking payment

Buka aplikasi BNI Mobile
Login ke akun BNI Mobile Banking Anda.
Pilih menu pembayaran
Pilih “Transfer”
Pilih E-Commerce
Pilih “Virtual Account Billing”, lalu pilih rekening debit Anda
Pilih merchant Foolmoon
Masukkan Nomor Virtual Account Anda di “Input Baru”
Masukkan nomor pembayaran 8291300001762993
Konfirmasi bahwa jumlah pembayaran ditampilkan di layar
Masukkan PIN
Konfirmasi transaksi dan masukkan kata sandi transaksi Anda
Konfirmasi transaksi
Transaksi berhasil

ATM BNI

Masukkan kartu ATM BNI, lalu masukkan PIN ATM.
Pilih menu “Menu Lain”, lalu pilih menu “Transfer”
Pilih Jenis Akun
Pilih “Ke Rekening BNI”
Masukkan nomor rekening dengan Kode Pembayaran (mis.: 7810202001539202) dan pilih “Benar”
Saat Konfirmasi Pembayaran muncul, pilih “Ya”
Transaksi sudah selesai, mohon simpan struknya.

BNI Internet Banking

Login Internet Banking, lalu pilih menu “Transfer”.
Pilih menu “In-House”.
Masukkan nomor rekening dengan Kode Pembayaran Anda (mis.: 7810202001539202) lalu pilih “Kirim”.
Masukkan “Kata Sandi” dan OTP Anda.
Transaksi sudah selesai, mohon simpan struknya.

BNI Teller

Kunjungi Teller Bank BNI di Kantor BNI.
Isi Formulir Setoran Tunai
Pilih “Tunai” atau tunai. Masukkan Kode Pembayaran (mis.: 781087101123456) dan jumlah. Tulis nama dan tanda tangan Anda.
Kirim Formulir Setoran Tunai dan uang tunai ke Teller BNI.
Transaksi selesai, mohon simpan salinan Formulir Setoran Tunai sebagai tanda terima pembayaran.

ATM Bank Lain

Masukkan kartu ATM, lalu masukkan PIN ATM.
Pilih menu “Transfer Antar Bank”.
Masukkan “Kode Bank Tujuan” : BNI (Kode Bank : 009) + Kode Pembayaran (mis.:781078787101123456).
Masukan “jumlah”.
Saat Konfirmasi Transfer muncul, pilih “Ya” / “Lanjut”.“
Transaksi sudah selesai, silahkan ambil struknya.

CIMB Niaga VA Payment Steps

Octo Mobile

Login ke Octo Mobile
Pilih menu : Transfer
Pilih menu : Transfer to Other CIMB Niaga Account
Pilih Source of fund
Masukkan nomor virtual account 1899000000958158
Masukkan jumlah pembayaran (Amount) sesuai tagihan
Klik tombol Next
Nomor virtual account, nama virtual account dan jumlah pembayaran (Amount) ditampilkan pada layar
Klik tombol Confirm
Masukkan Mobile Banking PIN

Internet Banking Bank Lain

Login ke internet banking
Pilih menu transfer ke Bank Lain Online
Pilih bank tujuan Bank CIMB Niaga (kode bank: 022)
Masukkan nomor virtual account 1899000000958158
Masukkan jumlah pembayaran sesuai tagihan
Nomor, nama virtual account dan jumlah billing ditampilkan pada layar
Ikuti instruksi untuk menyelesaikan transaksi
Konfirmasi pembayaran ditampilkan pada layar

OCTO Clicks

Login ke OCTO Clicks (https://www.octoclicks.co.id)
Pilih menu : Pembayaran Tagihan
Pilih kategori transaksi : Virtual Account
Pilih rekening sumber dana
Masukkan nomor virtual account 1899000000958158 dan klik tombol : Lanjutkan untuk verifikasi detail
Nomor virtual account, nama virtual account dan total tagihan ditampilkan pada layar
Masukkan 6 digit OTP dan tekan tombol Submit
Klik tombol Konfirmasi untuk memproses pembayaran

ATM CIMB

Masukkan Kartu ATM dan PIN CIMB Anda
Pilih menu Pembayaran > Lanjut > Virtual Account
Masukkan nomor virtual account 1899000000958158
Pilih rekening debit
Nomor, nama virtual account dan jumlah billing ditampilkan pada layar
Pilih OK untuk melakukan pembayaran
Konfirmasi pembayaran ditampilkan pada layar

ATM Alto / Bersama / Prima

Masukkan Kartu ATM dan PIN Anda pada mesin ATM bank tersebut
Pilih menu TRANSFER > TRANSFER KE BANK LAIN
Masukkan kode bank CIMB Niaga: 022
Masukkan jumlah pembayaran sesuai tagihan
Masukkan nomor virtual account 1899000000958158
Ikuti instruksi untuk menyelesaikan transaksi
Konfirmasi pembayaran ditampilkan pada layar

Permata VA Payment Steps

Internet Banking Permata (PermataNet)

Login ke akun internet banking
Pilih menu “pembayaran” dan pilih "Pembayaran Lainnya. Masukkan kode bank Permata (013) sebagai bank tujuan”
Masukkan nominal transaksi
Masukkan 16 digit nomor virtual account 8856600007388919
Konfirmasi kode bank, nomor virtual account dan nominal pembayaran, jika sudah sesuai pilih “Benar”
Selesai

Permata Mobile X

Buka aplikasi PermataMobileX
Masukkan User ID & Password
Pilih “Pembayaran Tagihan”
Pilih “Virtual Account”(Akun Virtual)
Masukkan 16 digit Virtual Account yang tertera pada halaman konfirmasi(8856600007388919)
Muncul halaman tujuan pembayaran
Masukkan nominal pembayaran sesuai dengan yang ditagihkan
Muncul konfirmasi pembayaran
Masukkan Kode Otentikasi Transaksi
Transaksi selesai

ATM Permata

Masukkan PIN
Pilih menu “Transaksi Lainnya”
Pilih “Pembayaran”
Pilih “Pembayaran Lainnya”
Pilih “Virtual Account”
Masukkan Nomor Virtual Account 8856600007388919
Jumlah yang harus dibayar dan nomor rekening akan muncul pada halaman konfirmasi pembayaran. Jika informasi sudah benar pilih “Benar”

ATM PRIMA/ALTO

Masukkan PIN
Pilih “Transfer”. Jika menggunakan ATM bank lain, pilih “Pembayaran Lainnya”
Pilih pembayaran lainnya
Masukkan kode bank Permata (013) diikuti 16 digit nomor virtual account anda: 8856600007388919 kemudian pilih “Benar”
Masukkan nominal yang akan dibayarkan. Pembayaran transaksi gagal akan muncul jika nominal yang dimasukkan salah
Konfirmasi kode bank, nomor virtual account dan nominal pembayaran, jika sudah sesuai pilih “Benar”
Transaksi anda selesai

Danamon VA Payment Steps

D-Mobile (M-Banking)

Akses D-Mobile melalui smartphone Anda
Masukkan User ID dan Password
Pilih menu > “Pembayaran” > “Virtual Account”
Tambahkan biller baru pembayaran
Masukan 16 digit nomor virtual account (8922600000040841)
Pastikan data pembayaran sudah benar
Masukkan mPIN Anda untuk konfirmasi
Transaksi selesai, Anda akan mendapatkan info transaksi

ATM Danamon

Masukkan kartu ATM Danamon, lalu masukkan PIN ATM Anda
Pilih menu > “Pembayaran” > “Lainnya” > “Virtual Account”
Masukan 16 digit nomor virtual account (8922600000040841)
Pastikan data pembayaran sudah benar dan pilih “YA”
Transaksi selesai, harap simpan bukti transaksi Anda

ATM Bersama/ATM Alto/ATM Prima (Transfer)

Masuk ke menu > “Transfer”
Pilih > “Transfer ke bank lain”
Masukkan kode Bank Danamon : 011 + 16 digit nomor virtual account di rekening tujuan (0118922600000040841)
Masukkan jumlah pembayaran sesuai tagihan
Pastikan data pembayaran sudah benar
Pilih > “YA”, untuk melanjutkan transaksi
Transaksi selesai, harap simpan bukti transaksi Anda

Other banks VA Payment Steps

ATM

Masukkan PIN
Pilih menu “Transfer”
Pilih “Ke Rek Bank Lain”
Masukkan Kode Bank “899” (DOKU) diikuti dengan 16 digit rekening tujuan “8000000000494638”, kemudian tekan “Benar”
Masukkan Jumlah pembayaran dan pilih “Benar”
Muncul Layar Konfirmasi Transfer yang berisi Nomor rekening tujuan dan Nama beserta jumlah yang dibayar, jika sudah benar, Tekan “Benar”
Selesai

MOBILE BANKING - BCA MOBILE (M-BCA)

Lakukan Log in pada aplikasi BCA Mobile
Pilih m-BCA
Masukkan kode akses m-BCA
Masuk ke menu m-Transfer
Masuklah ke menu Daftar Transfer dan pilih Antar Bank
Masukkan nomor rekening tujuan “8000000000494638”, dan pilih DOKU pada kolom Bank
Setelah itu, nama VA akan muncul, klik Kirim
Setelah itu kamu diminta memasukkan Personal Identification Number (PIN) BCA, pastikan tidak salah dalam memasukkan PIN
Masuk ke menu transfer antar bank. Lalu pilih ke Bank DOKU dan rekening yang baru saja didaftarkan, lalu masukkan jumlah uang yang akan kamu transfer sesuai yang tertera di invoice
Kemudian kamu akan melihat menu konfirmasi nomor rekening penerima. Setelah itu kamu diminta memasukkan Personal Identification Number (PIN) BCA, pastikan tidak salah dalam memasukkan PIN

MOBILE BANKING - DANAMON (D-MOBILE)

Akses D-mobile melalui handphone
Login, Masukkan User ID dan password
Pilih menu Transfer, lalu pilih non BDI Transfer
Masukkan jumlah uang yang akan kamu transfer sesuai yang tertera di invoice
Masukkan nomor rekening tujuan “8000000000494638”
Masukkan nama DOKU di kolom nama Bank
Klik transfer sekarang

MOBILE BANKING - PERMATA (PERMATA MOBILE X)

Buka aplikasi PermataMobile X dan lakukan log in
Pilih menu Transfer
Pilih nomor rekening yang akan digunakan untuk mentransfer dana
Input nomor rekening tujuan “8000000000494638” dan nominal sesuai dengan nominal invoice
Pilih DOKU di kolom bank
Pilih layanan transfer (online / LLG / RTGS), setelah itu akan muncul konfirmasi tranfer
Masukan OTP / mobile PIN
Selesai (akan muncul konfirmasi sukses)

MOBILE BANKING - DBS (DIGIBANK INDONESIA)

Buka aplikasi Digibank Indonesia dan lakukan log in
Pilih menu Transfer
Pilih Tambah Penerima
Pilih Jenis Transfer, Transfer Rupiah
Pilih Bank Penerima, DOKU
Input nomor rekening tujuan 8000000000494638, klik Lanjut
Input nominal sesuai dengan nominal invoice
Selanjutnya klik tombol konfirmasi, maka proses transfer pun akan berjalan

Edit Bill

An endpoint to update the attributes of an existing payment link.

PUT /pwf/{bill_id}/bill HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic <secret_key>: (notes with ":" after secret key)

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/pwf/1/bill");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_PUT, TRUE);

$payloads = [
    "title" => "Coffee Table",
    "amount" => 900000,
    "type" => "SINGLE",
    "expired_date" => "2022-12-30 15:50:00",
    "redirect_url" => "https://someurl.com",
    "status" => "INACTIVE",
    "is_address_required" => 0,
    "is_phone_number_required" => 0
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/pwf/1/bill \
    -X PUT \
    -u <secret_key>: \
    -d title="Coffee Table" \
    -d amount="900000" \
    -d type="SINGLE" \
    -d expired_date="2022-12-30 15:50:00" \
    -d redirect_url="https://someurl.com" \
    -d status="INACTIVE" \
    -d is_address_required="0" \
    -d is_phone_number_required="0"

PUT https://bigflip.id/api/v2/pwf/[bill_id]/bill

Attribute	Description
title	`string (optional)` The title of the bill.
type	`string (optional)` Bill type: `SINGLE`: single use `MULTIPLE`: multiple use for bill with step 3, type can only be “SINGLE”
amount	`integer (optional)` Payment amount, minimum Rp10.000. Leave blank if want to set a flexible amount.
expired_date	`string (optional)` Bill expiry date. The bill can’t be used any more beyond the expiry date. Format: `YYYY-MM-DD HH:mm`.
redirect_url	`string (optional)` Redirect URL after payment is success.
status	`string (optional)` Bill activation status: `ACTIVE` `INACTIVE`
is_address_required	`integer (optional)` A flag if user needs to input their address when creating payment. `0`: false (default) `1`: true
is_phone_number_required	`integer (optional)` A flag if user needs to input their phone number when creating payment. `0`: false (default) `1`: true

Response

Status 200
Content-Type: application/json

{
  "link_id": 1,
  "link_url": "flip.id/$companyname/#coffeetable",
  "title": "Coffee Table",
  "type": "SINGLE",
  "amount": 900000,
  "redirect_url": "https://someurl.com",
  "expired_date": "2022-12-30 15:50:00",
  "created_from": "API",
  "status": "ACTIVE",
  "is_address_required": 0,
  "is_phone_number_required": 0
}

See Bill Object for the details.

Get Bill

An endpoint to get a specific payment link.

GET /pwf/{bill_id}/bill HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic <secret_key>: (notes with ":" after secret key)

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/pwf/1/bill");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/pwf/1/bill \
    -u <secret_key>:

GET https://bigflip.id/api/v2/pwf/[bill_id]/bill

Response

Status 200
Content-Type: application/json

Step 1
{
  "link_id": 1,
  "link_url": "flip.id/$companyname/#coffeetable",
  "title": "Coffee Table",
  "type": "SINGLE",
  "amount": 900000,
  "redirect_url": "https://someurl.com",
  "expired_date": "2022-12-30 15:50:00",
  "created_from": "API",
  "status": "ACTIVE",
  "step": 1,
  "is_address_required": 0,
  "is_phone_number_required": 0
}

Step 2
{
  "link_id": 1,
  "link_url": "flip.id/$companyname/#coffeetable",
  "title": "Coffee Table",
  "type": "SINGLE",
  "amount": 900000,
  "redirect_url": "https://someurl.com",
  "expired_date": "2022-12-30 15:50:00",
  "created_from": "API",
  "status": "ACTIVE",
  "is_address_required": 0,
  "is_phone_number_required": 0,
  "step": 2,
  "customer": {
    "name": "Customer a",
    "email": "[email protected]",
    "address": "Jl. Imam Bonjol No.39, Jakarta.",
    "phone": "+62888888888",
  }
}

Step 3
{
  "link_id": 1,
  "link_url": "flip.id/$companyname/#coffeetable",
  "title": "Coffee Table",
  "type": "SINGLE",
  "amount": 900000,
  "redirect_url": "https://someurl.com",
  "expired_date": "2022-12-30 15:50:00",
  "created_from": "API",
  "status": "ACTIVE",
  "is_address_required": 0,
  "is_phone_number_required": 0,
  "step": 3,
  "customer": {
    "name": "Customer a",
    "email": "[email protected]",
    "address": "Jl. Imam Bonjol No.39, Jakarta.",
    "phone": "+62888888888",
  },
  "payment_method": {
    "sender_bank": "bni",
    "sender_bank_type": "virtual_account",
  }
}

See Bill Object for the details.

Get All Bills

An endpoint to get all existing payment links.

GET /pwf/bill HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic <secret_key>: (notes with ":" after secret key)

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/pwf/bill");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/pwf/bill \
    -u <secret_key>:

GET https://bigflip.id/api/v2/pwf/bill

Response

Status 200
Content-Type: application/json

[
 {
   "link_id": 1,
   "link_url": "flip.id/$companyname/#coffeetable",
   "title": "Coffee Table",
   "type": "SINGLE",
   "amount": 900000,
   "redirect_url": "https://someurl.com",
   "expired_date": "2022-12-30 15:50:00",
   "created_from": "API",
   "status": "ACTIVE",
   "step": 1,
   "is_address_required": 0,
   "is_phone_number_required": 0
 },
 {
   "link_id": 1,
   "link_url": "flip.id/$companyname/#coffeetable",
   "title": "Coffee Table",
   "type": "SINGLE",
   "amount": 900000,
   "redirect_url": "https://someurl.com",
   "expired_date": "2022-12-30 15:50:00",
   "created_from": "API",
   "status": "ACTIVE",
   "is_address_required": 0,
   "is_phone_number_required": 0,
   "step": 2,
   "customer": {
      "name": "Customer a",
      "email": "[email protected]",
      "address": "Jl. Imam Bonjol No.39, Jakarta.",
      "phone": "+62888888888",
   }
 },
 {
    "link_id": 1,
    "link_url": "flip.id/$companyname/#coffeetable",
    "title": "Coffee Table",
    "type": "SINGLE",
    "amount": 900000,
    "redirect_url": "https://someurl.com",
    "expired_date": "2022-12-30 15:50:00",
    "created_from": "API",
    "status": "ACTIVE",
    "is_address_required": 0,
    "is_phone_number_required": 0,
    "step": 3,
    "customer": {
      "name": "Customer a",
      "email": "[email protected]",
      "address": "Jl. Imam Bonjol No.39, Jakarta.",
      "phone": "+62888888888",
    },
    "payment_method": {
      "sender_bank": "bni",
      "sender_bank_type": "virtual_account",
    }
 }
]

Array of Bill Objects.

Get Payment

An endpoint to get all payment transaction(s) from a specific bill link.

GET /pwf/{bill_id}/payment HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic <secret_key>: (notes with ":" after secret key)

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/pwf/1/payment?start_date=2020-01-01&end_date=2020-12-12&pagination=50&page=1&sort_by=created_at&sort_type=sort_desc");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/pwf/1/payment?start_date=2020-01-01&end_date=2020-12-12&pagination=50&page=1&sort_by=created_at&sort_type=sort_desc \
    -u <secret_key>:

GET https://bigflip.id/api/v2/pwf/[bill_id]/payment?start_date=start_date&end_date=end_date&pagination=pagination&page=page&sort_by=sort_by&sort_type=sort_type

Param	Value
start_date	`integer (optional)` Starting date of the data. Example: `"2020-01-01"`.
end_date	`integer (optional)` Ending date of the data. Example: `"2020-12-12"`. End date must be greater than start_date.
pagination	`integer (optional)` Pagination of the data.
page	`integer (optional)` The desired page of the data pagination.
sort_by	`string (optional)` Sort the result by the attribute. You can sort by: `id` `bill_link` `bill_title` `sender_bank` `amount` `created_at`
sort_type	`string (optional)` You can sort in `sort_desc` (descending) `sort_asc` (ascending)

Response

Status 200
Content-Type: application/json

{
  "link_id": 1065,
  "total_data": 2,
  "data_per_page": 2,
  "total_page": 1,
  "page": 1,
  "data": [
    {
      "id": "PGPWF3453271107384587",
      "link_id": "12345",
      "bill_link": "flip.id/$companyname/#coffeetable",
      "bill_title": "Coffee Table",
      "sender_name": "John Smith",
      "sender_bank": "qris",
      "sender_bank_type": "wallet_account",
      "virtual_account_number": null,
      "amount": 900000,
      "status": "SUCCESSFUL",
      "settlement_status": "Pending",
      "reference_id": null,
      "payment_url": "https://flip.id/pwf/transaction/consolidated?redirected_from=internal&id=1235",
      "created_at": "2021-02-02 14:57:44",
      "completed_at": "2021-02-02 14:59:30",
      "settlement_date": "2021-02-03 17:59:30"
    },
    {
      "id": "PGPWF3453271669674219",
      "link_id": "12345",
      "bill_link": "flip.id/$companyname/#coffeetable",
      "bill_title": "Coffee Table",
      "sender_name": "Jon Doe",
      "sender_bank": "mandiri",
      "sender_bank_type": "virtual_account",
      "virtual_account_number": "8902290270097932",
      "amount": 900000,
      "status": "PENDING",
      "settlement_status": "Pending",
      "reference_id": null,
      "payment_url": "https://flip.id/pwf/transaction/consolidated?redirected_from=internal&id=1236",
      "created_at": "2021-02-03 14:57:44",
      "completed_at": null,
      "settlement_date": null
    }
  ]
}

Attribute	Description
link_id	Bill Link Id that being searched
total_data	Total data returned in all page
data_per_page	Total data returned in current page
total_page	Total/max page available
page	Current page
data	Array of payment objects.

Get All Payment

An endpoint to get all existing payment transactions.

GET /pwf/payment HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic <secret_key>: (notes with ":" after secret key)

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/pwf/payment?start_date=2020-01-01&end_date=2020-12-12&pagination=50&page=1&sort_by=created_at&sort_type=sort_desc&reference_id=REF12345");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/pwf/payment?start_date=2020-01-01&end_date=2020-12-12&pagination=50&page=1&sort_by=created_at&sort_type=sort_desc&reference_id=REF12345 \
    -u <secret_key>:

GET https://bigflip.id/api/v2/pwf/payment?start_date=start_date&end_date=end_date&pagination=pagination&page=page&sort_by=sort_by&sort_type=sort_type

Param	Value
start_date	`integer (optional)` Starting date of the data. Example: `"2020-01-01"`.
end_date	`integer (optional)` Ending date of the data. Example: `"2020-12-12"`. End date must be greater than start_date.
pagination	`integer (optional)` Pagination of the data.
page	`integer (optional)` The desired page of the data pagination.
sort_by	`string (optional)` Sort the result by the attribute. You can sort by: `id` `bill_link` `bill_title` `sender_bank` `amount` `created_at`
sort_type	`string (optional)` You can sort in `sort_desc` (descending) `sort_asc` (ascending)
reference_id	`string (optional)` Reference that is provided by merchant (currently only available on static VA payment).

Response

Status 200
Content-Type: application/json

{
  "total_data": 4,
  "data_per_page": 4,
  "total_page": 1,
  "page": 1,
  "data": [
    {
      "id": "PGPWF3453271107384587",
      "link_id": "12345",
      "bill_link": "flip.id/$companyname/#coffeetable",
      "bill_title": "Coffee Table",
      "sender_name": "John Smith",
      "sender_bank": "mandiri",
      "sender_bank_type": "virtual_account",
      "virtual_account_number": "8902290277159017",
      "amount": 900000,
      "status": "SUCCESSFUL",
      "settlement_status": "Pending",
      "reference_id": null,
      "payment_url": "https://flip.id/pwf/transaction/consolidated?redirected_from=internal&id=1234",
      "created_at": "2021-02-01 14:57:44",
      "completed_at": "2021-02-02 14:59:30",
      "settlement_date": "2021-02-03 17:59:30"
    },
    {
      "id": "FT12345679",
      "link_id": "12345",
      "bill_link": "flip.id/$companyname/#coffeetable",
      "bill_title": "Coffee Table",
      "sender_name": "Jon Doe",
      "sender_bank": "bca",
      "sender_bank_type": "bank_account",
      "virtual_account_number": null,
      "amount": 900000,
      "status": "SUCCESSFUL",
      "settlement_status": "Pending",
      "reference_id": null,
      "payment_url": "https://flip.id/pwf/transaction/consolidated?redirected_from=internal&id=1235",
      "created_at": "2021-02-02 14:57:44",
      "completed_at": "2021-02-02 14:59:30",
      "settlement_date": "2021-02-03 17:59:30"
    },
    {
      "id": "PGPWF3453281233886287",
      "link_id": "12344",
      "bill_link": "flip.id/$companyname/#coffeechair",
      "bill_title": "Coffee Chair",
      "sender_name": "Jon Doe",
      "sender_bank": "ovo",
      "sender_bank_type": "wallet_account",
      "virtual_account_number": null,
      "amount": 100000,
      "status": "PENDING",
      "settlement_status": "Pending",
      "reference_id": null,
      "payment_url": "https://flip.id/pwf/transaction/consolidated?redirected_from=internal&id=1236",
      "created_at": "2021-02-03 14:57:44",
      "completed_at": null,
      "settlement_date": null
    }
    {
      "id": "PGPWF3453271669674219",
      "link_id": "12340",
      "bill_link": "flip.id/$companyname/#8902290270097932-1698032345577",
      "bill_title": "8902290270097932-1698032345577",
      "sender_name": "June Smith",
      "sender_bank": "mandiri",
      "sender_bank_type": "virtual_account",
      "virtual_account_number": "8902290270097932",
      "amount": 900000,
      "status": "SUCCESSFUL",
      "settlement_status": "Pending",
      "reference_id": "REF1122334455",
      "payment_url": "https://flip.id/pwf/transaction/consolidated?redirected_from=internal&id=1237",
      "created_at": "2021-02-04 14:57:44",
      "completed_at": "2021-02-02 14:59:30",
      "settlement_date": "2021-02-03 17:59:30"
    },
  ]
}

Attribute	Description
total_data	Total data returned in all page
data_per_page	Total data returned in current page
total_page	Total/max page available
page	Current page
data	Array of payment objects.

Confirm Bill Payment

An endpoint to confirm a specific payment transaction, except e-wallet payment method (for e-wallet transaction won’t be necessary for confirming it). This API only works for Live Environment

PUT /pwf/bill-payment/{transaction_id}/confirm HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic <secret_key>: (notes with ":" after secret key)

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/pwf/bill-payment/PWF12/confirm");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);
curl_setopt($ch, CURLOPT_PUT, TRUE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/pwf/bill-payment/PWF12/confirm \
    -X PUT \
    -u <secret_key>:

PUT https://bigflip.id/api/v2/pwf/bill-payment/[transaction_id]/confirm

Response

Status 200
Content-Type: application/json

{
  "confirmed_at": "2022-12-30 15:50",
  "payment_url": "https://flip.id/transaksi/bill/PWF12/proses?email=customer%40gmail.com"
}

Constant

Bill Object

Bill detail data

Attribute	Description
link_id	Bill link ID.
link_url	Bill link URL for the user.
title	Title of the bill.
type	Bill type: `SINGLE`: single use `MULTIPLE`: multiple use
amount	Payment amount.
redirect_url	Redirect URL after payment is success.
expired_date	Bill expiry date. The bill can’t be used any more beyond the expiry date.
created_from	Bill created from method.
status	Bill activation status: `ACTIVE` `INACTIVE`
is_address_required	A flag if user needs to input their address when creating payment. `0`: false `1`: true
is_phone_number_required	A flag if user needs to input their phone number when creating payment. `0`: false `1`: true
step	Which step the customers will be redirected to when opening the payment link. `1`: input-data (default) `2`: payment-method `3`: payment-confirmation
customer	(Returned only if customer’s merchant chooses step 2 or 3) Customer Data that is being saved. See Customer Object.
bill_payment	(Returned only if customer’s merchant chooses step 3) Bill Payment data that has been created. See Bill Payment Object.
payment_url	(Returned only if customer’s merchant chooses step 3) URL of the confirmation link or instruction to do the payment action. URL confirmation link is for payment using bank transfer, VA payment method, and QRIS with internal url URL instruction link is for payment using e-wallet payment method with external url

Bill Customer Object

Customer detail data

Attribute	Description
name	Name of the Customer.
email	Email of the Customer.
phone	Phone number of the Customer.
address	Address of the Customer.

Bill Payment Object

Bill Payment detail data

Attribute	Description
id	ID of the transaction.
amount	Amount of the transaction. Please note that in case of Bank Transfer payment option, the actual amount to be transferred by your customer must be equal to the `amount` + `unique_code` returned in the response.
unique_code	Unique code of the transaction
status	Status of the transaction `NOT_CONFIRMED`: If the transaction was just created. `PENDING`: If the transaction has been confirmed by the user `PROCESSED`: If the transaction is being processed by the system. `CANCELLED`: If the transaction is cancelled. `FAILED`: If the transaction is failed. `DONE`: If the transaction is successfully done.
sender_bank	Bank that is used for the payment. See Bank Code Constants.
sender_bank_type	Type of the sender bank that is used for the payment. `bank_account`: if the type of the sender bank uses bank transfer. `virtual_account`: if the type of the sender bank uses a virtual account. `wallet_account`: if the type of the sender bank uses e-wallet. `online_to_offline_account`: if the type of the sender bank uses retail. `credit_card_account`: if the type of the sender bank uses credit card.
receiver_bank_account	Account of the receiver of the payment. See Bank Account Object.
user_address	Address of the User.
user_phone	Phone number of the User.
created_at	Unix timestamps of the transaction when it is created.

Payment Object

Payment detail data

Attribute	Description
id	Payment ID.
link_id	Bill link ID.
bill_link	Bill link URL of the payment.
bill_title	Title of the bill.
sender_name	Name of the user who did the payment.
sender_bank	Bank code of the user’s bank.
sender_bank_type	Type of the sender bank that is used for the payment. `bank_account`: if the type of the sender bank uses bank transfer. `virtual_account`: if the type of the sender bank uses a virtual account. `wallet_account`: if the type of the sender bank uses e-wallet. `online_to_offline_account`: if the type of the sender bank uses retail. `credit_card_account`: if the type of the sender bank uses credit card.
virtual_account_number	Number that is generated for the `virtual_account` payment.
amount	Payment amount done by the user.
status	Payment status. `FAILED` `SUCCESSFUL` `PENDING`
settlement_status	Merchant settlement status. `Cancelled` `Settled` `Pending`
reference_id	Reference that is provided by merchant (currently only available on static VA payment).
payment_url	URL of the confirmation link or instruction to do the payment action. URL confirmation link is for payment using bank transfer, VA payment method, and QRIS with internal url URL instruction link is for payment using e-wallet payment method with external url
created_at	The time when the payment is created. Time will be in GMT+7 with `yyyy-mm-dd hh:mm:ss` format
completed_at	The time when the payment is completed. Time will be in GMT+7 with `yyyy-mm-dd hh:mm:ss` format
settlement_date	The time when the payment is settled to Merchant. Time will be in GMT+7 with `yyyy-mm-dd hh:mm:ss` format

Bank Account Object

Bank account detail data

Attribute	Description
account_number	Account number of the receiver bank.
account_type	Type of the account, the value could be: `bank_account` `virtual_account` `wallet_account` `online_to_offline_account` `credit_card_account`
bank_code	Bank code of the account. See Bank Code Constants.
account_holder	Name of the holder of the account.
qr_code_data	The raw QR code data. You can generate the image to show to your users. You can generate the image by using the QR code library here.

Bank Code

List of sender_bank available to use. Virtual account currently only available for Mandiri, Danamon, CIMB, Maybank, Sinarmas, BNI, BRI and Permata.

Bank Code	Bank Name
bni	BNI
bri	BRI
bca	BCA
mandiri	Mandiri
cimb	CIMB Niaga
tabungan_pensiunan_nasional	BTPN/Jenius/BTPN Wow!
dbs	DBS Indonesia
permata	Permata
muamalat	Muamalat
danamon	Danamon
bsm	BSI (Bank Syariah Indonesia)
ovo	OVO
qris	QRIS
shopeepay_app	ShopeePay
linkaja	LinkAja
linkaja_app	LinkAja App
dana	Dana

Error List

As mentioned here, validation error or response with status code 422 will contain inner code. Here is the list of the code for Accept Payment:

Error code	Meaning
999	Undefined error
1044	Bill type param is required when creating bill
1045	Bill type param is invalid when creating bill
1046	Maximum amount for the bill is Rp10.000.000
1047	Bill expired date param is invalid when creating bill
1048	Bill link has already expired
1049	Bill link has already used
1050	Bill link ID is not Found
1051	Param `product_code` is required
1052	Param `page` should be a number and more than 0
1053	Param `pagination` should be a number and more than 0
1054	Product bill link ID is not found
1055	Param `start_date` is invalid
1056	Param `end_date` is invalid
1057	Invalid date range. Param `end_date` must be greater than `start_date`
1058	Minimum transfer amount is Rp10.000
1059	Param `redirect_url` is invalid
1060	Param `status` is invalid
1061	Param `title` is invalid
1062	Param `sort_by` is invalid
1063	Param `sort_type` is invalid
1064	Param `amount` must be a number
1067	Param `amount` is exceeding company’s PWF maximum limit amount
1082	Cannot create transaction with the chosen bank because it is in disturbance

International Transfer

Hi, welcome to Flip for Business International Transfer API!

This International Transfer API solution is intended for businesses, especially money transfer operators, who want to facilitate international transfer for their users in a cost-efficient, secured, and faster manner.

In this version of APIs, we provide all transaction types remittance: C2C, C2B, B2C, and B2B. We currently have several corridors and it will continue to grow.

Flow Overview

Select the destination country and input amount to see the exchange rate, transfer fee, and other details. You can hit API Get Exchange Rate to get these details.
Visit this Required Fields document, to see list of required data you need to send to us when creating an international transfer transaction, accordingly to the country and transaction type selected.
Use the API Get Form Data to get the list of available values of the request attributes, such as beneficiary_relationships, source_of_funds, etc. The special_identifiers attribute consists of the required attributes for the given country.
After completing the beneficiary/recipient’s details in the form data, hit API Create International Transfer to create and automatically confirm the transaction. Flip will respond with “PENDING” status and then process the transaction.
After the transaction is completed, Flip will send the International Transfer Transaction Callback to notify you about the transaction status. If the transaction is successful, money is received by the beneficiary. If the transaction is failed, money will be refunded to the company’s deposit.
You can also hit API Get International Transfer Transaction to get the transaction status and details.

All international transfer transactions and/or the details can be monitored through the Flip for Business dashboard https://business.flip.id and various API endpoints.

International Transfer Flow

Get Exchange Rates

An endpoint to get the exchange rate and other details of the destination country corridors such as minimum and maximum transfer amount, cut-off time, estimated arrival time, and the transfer fee.

GET /international-disbursement/exchange-rates HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/international-disbursement/exchange-rates?transaction_type=C2C");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/international-disbursement/exchange-rates?transaction_type=C2C \
    -u <secret_key>:

GET https://bigflip.id/api/v2/international-disbursement/exchange-rates?country_iso_code=country_iso_code&transaction_type=transaction_type

Param	Value
country_iso_code	`string (optional)` Country code using ISO 3166 (Alpha-3). You can choose multiple countries separate by comma. See supported Country ISO Codes.
transaction_type	`string (required)` Transaction type information. Possible values are: C2C C2B B2C B2B

Response

Status 200
Content-Type: application/json

[
  {
    "currency_code": "GBP",
    "country_code": "GBR",
    "country_name": "United Kingdom",
    "country_iso_code": "GBR",
    "flip_exchange_rate": 19000.55,
    "flip_transfer_fee": 80000,
    "minimum_amount": 1.50,
    "maximum_amount": 3000.50,
    "payment_speed": "Same Day",
    "arrival_message": null,
    "notes": null,
    "transaction_type": "C2C",
    "flip_cutoff_time": "2021-12-06 01:00:00+700",
    "flip_arrival_time": "2021-12-07 12:00:00+700",
    "is_active": true
  },
  {
    "currency_code": "AUD",
    "country_code": "AUS",
    "country_name": "Australia",
    "country_iso_code": "AUS",
    "flip_exchange_rate": 10588.78,
    "flip_transfer_fee": 80000,
    "minimum_amount": 1,
    "maximum_amount": 200000,
    "payment_speed": "+1 day",
    "arrival_message": {
      "id": "Jika dana sudah kami terima sebelum hari Senin pukul 08:00 WIB, dana akan sampai di penerima hari Selasa, 07 Desember 2021",
      "en": "If Flip receive your fund before Monday at 08:00 GMT+7, the fund will be arrived to the beneficiary on Tuesday, 07 December 2021"
    },
    "notes": null,
    "transaction_type": "C2C",
    "flip_cutoff_time": "2021-12-06 01:00:00+700",
    "flip_arrival_time": "2021-12-07 12:00:00+700",
    "is_active": false
  },
  ...
]

Array of Exchange Rate Object

Attribute	Description
`currency_code`	Currency code of the country
`country_code`	Country code using ISO 3166 (Alpha-2)
`country_name`	Name of the country
`country_iso_code`	Country code using ISO 3166 (Alpha-3)
`flip_exchange_rate`	The country exchange rates to IDR
`flip_transfer_fee`	Transfer fee to the country
`minimum_amount`	Minimum transfer amount
`maximum_amount`	Maximum transfer amount
`payment_speed`	Expected payment completion speed: `Real Time` `Same Day` `+1 day` or “+N day”
`arrival_message`	Message related to payment speed, available in Bahasa (ID) and English (EN)
`notes`	Additional notes
`transaction_type`	Transaction type information
`flip_cutoff_time`	Transfer cutoff time. Time will be in GMT+7 with `yyyy-mm-dd hh:mm:ss` format
`flip_arrival_time`	Estimation of arrival time. Time will be in GMT+7 with `yyyy-mm-dd hh:mm:ss` format
`is_active`	Status of the beneficiary country: `true`: Available for disbursement `false`: Unavailable for disbursement

Get Form Data

An endpoint to get form with all required fields to be completed to create the transactions, such as remittance purpose, source of fund, relationship with beneficiary, and the beneficiary’s bank account details.

GET /international-disbursement/form-data HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/international-disbursement/form-data?country_iso_code=GBR&transaction_type=C2C");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/international-disbursement/form-data?country_iso_code=GBR&transaction_type=C2C \
    -u <secret_key>:

GET https://bigflip.id/api/v2/international-disbursement/form-data?country_iso_code=country_iso_code&transaction_type=transaction_type

Param	Value
country_iso_code	`string (required)` Country code using ISO 3166 (Alpha-3). You can choose multiple countries separate by comma. See supported Country ISO Codes.
transaction_type	`string (required)` Transaction type information. Possible values are: C2C C2B B2C B2B

Response

Status 200
Content-Type: application/json

{
  "country_iso_code": "GBR",
  "currency_code": "GBP",
  "beneficiary_relationships": {
    "SELF": "Diri sendiri",
    "BROTHER": "Saudara laki-laki",
    "SISTER": "Saudara perempuan",
    "SON": "Anak laki-laki",
    "DAUGHTER": "Anak perempuan",
    "NEPHEW": "Keponakan laki-laki",
    "NIECE": "Keponakan perempuan",
    "FATHER": "Ayah",
    "MOTHER": "Ibu",
    "UNCLE": "Paman",
    "AUNT": "Bibi",
    "COUSIN": "Sepupu",
    "FATHER_IN_LAW": "Bapak mertua",
    "MOTHER_IN_LAW": "Ibu mertua",
    "BROTHER_IN_LAW": "Ipar laki-laki",
    "SISTER_IN_LAW": "Ipar perempuan",
    "GRAND_FATHER": "Kakek",
    "GRAND_MOTHER": "Nenek",
    "HUSBAND": "Suami",
    "WIFE": "Istri",
    "FRIEND": "Teman"
  },
  "source_of_funds": {
    "BUSINESS": "Bisnis",
    "SALARY": "Gaji",
    "SAVINGS": "Tabungan",
    "GIFT": "Hadiah"
  },
  "remittance_purposes": {
    "FAMILY_SUPPORT": "Bantuan keluarga",
    "SALARY_PAYMENT": "Pembayaran gaji"
  },
  "banks": {
    "101": "Standard Chartered Bank",
    "102": "Bank Something",
    ...
  },
  "special_identifiers": [
    "sort_code"
  ],
  "regions": [],
  "nationality_countries": [
    {
      "iso_code": "AFG",
      "name": "Afghanistan",
      "country_code": "AF"
    },
    ...
  ]
}

Attribute	Description
`country_iso_code`	Country code using ISO 3166 (Alpha-3)
`currency_code`	Currency code of the country
`beneficiary_relationships`	Object of relationship of beneficiary
`source_of_funds`	Object of source of funds
`remittance_purposes`	Object of purpose of remittance
`banks`	Object of bank in specific country
`special_identifiers`	Required identifier for specific country
`regions`	Array of region object
`nationality_countries`	Array of country object

Create International Transfer C2C/C2B

An endpoint to create the international transfer C2C/C2B transaction.

POST /international-disbursement HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/international-disbursement");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_POST, TRUE);

$payloads = [
  "id_number" => "44943733088",
  "id_expiration_date" => "2022-11-29",
  "amount" => "52.63",
  "source_country" => "IDN",
  "destination_country" => "GBR",
  "transaction_type" => "C2C",
  "beneficiary_full_name" => "John Smith",
  "beneficiary_account_number" => "1122333300",
  "beneficiary_bank_id" => "1807",
  "beneficiary_bank_name" => "Allica Bank",
  "beneficiary_email" => "[email protected]",
  "beneficiary_msisdn" => "09584008222",
  "beneficiary_nationality" => "IDN",
  "beneficiary_province" => "United Kingdom",
  "beneficiary_city" => "Manchester",
  "beneficiary_address" => "Mosley St Manchester",
  "beneficiary_postal_code" => "M2",
  "beneficiary_relationship" => "SON",
  "beneficiary_source_of_funds" => "BUSINESS",
  "beneficiary_remittance_purposes" => "EDUCATION",
  "beneficiary_sort_code" => "506967",
  "sender_name" => "John Doe",
  "sender_country" => 100252,
  "sender_place_of_birth" => 100230,
  "sender_date_of_birth" => "1963-12-01",
  "sender_address" => "Some Address Street 123",
  "sender_identity_type" => "nat_id",
  "sender_identity_number" => "1234789012347890",
  "sender_job" => "entrepreneur",
  "sender_email" => "[email protected]",
  "sender_city" => "Sender City",
  "sender_phone_number" => "+628123456789",
  "beneficiary_region" => "10274"
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded",
  "X-TIMESTAMP: 2022-01-01T15:02:15+0700"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/international-disbursement \
    -X POST \
    -u <secret_key>: \
    -d "id_number=44943733088" \
    -d "id_expiration_date=2022-11-29" \
    -d "amount=52.63" \
    -d "source_country=IDN" \
    -d "destination_country=GBR" \
    -d "transaction_type=C2C" \
    -d "beneficiary_full_name=John Smith" \
    -d "beneficiary_account_number=1122333300" \
    -d "beneficiary_bank_id=1807" \
    -d "beneficiary_bank_name=Allica Bank" \
    -d "[email protected]" \
    -d "beneficiary_msisdn=09584008222" \
    -d "beneficiary_nationality=IDN" \
    -d "beneficiary_province=United Kingdom" \
    -d "beneficiary_city=Manchester" \
    -d "beneficiary_address=Mosley St Manchester" \
    -d "beneficiary_postal_code=M2" \
    -d "beneficiary_relationship=SON" \
    -d "beneficiary_source_of_funds=BUSINESS" \
    -d "beneficiary_remittance_purposes=EDUCATION" \
    -d "beneficiary_sort_code=506967" \
    -d "sender_name=John Doe" \
    -d "sender_country=100252" \
    -d "sender_place_of_birth=100230" \
    -d "sender_date_of_birth=1963-12-01" \
    -d "sender_address=Some Address Street 123" \
    -d "sender_identity_type=nat_id" \
    -d "sender_identity_number=1234789012347890" \
    -d "sender_job=entrepreneur" \
    -d "[email protected]" \
    -d "sender_city=Sender City" \
    -d "sender_phone_number=+628123456789" \
    -d "beneficiary_region=10274"

POST https://bigflip.id/api/v2/international-disbursement

Attribute	Description
`Content-Type`	`string (required)` Request content type: `application/x-www-form-urlencoded`.
`idempotency-key`	`string (required)` Idempotency key. Please see more detail on Idempotent Request section.
`X-TIMESTAMP`	`string (optional)` Request timestamp. The format will follow the ISO8601 format.

Body

Attribute	Description
`id_number`	`string (required, if the destination country need it)` Id number.
`id_expiration_date`	`string (required, if the destination country need it)` ID expiration date using YYYY-MM-DD format.
`amount`	`string (required)` Amount of money that wants to be disbursed to the beneficiary (in beneficiary currency). Maximum 2 decimal places, for Japan there can be no decimal. Must be within the minimum and maximum amount based on transaction currency.
`source_country`	`string (required)` Source country code using ISO 3166 (Alpha-3). Currently possible value is IDN.
`destination_country`	`string (required)` Destination country code using ISO 3166 (Alpha-3). See supported Destination Countries.
`transaction_type`	`string (required)` Transaction type information. Possible values are: C2C C2B
`beneficiary_full_name`	`string (required)` Full name of the beneficiary
`beneficiary_account_number`	`string (required)` Account number of the beneficiary bank
`beneficiary_bank_id`	`string (required)` ID of beneficiary bank
`beneficiary_bank_name`	`string (optional)` Name of beneficiary bank. Can be used for destination countries AUS and GBR
`beneficiary_email`	`string (optional)` Email of beneficiary
`beneficiary_msisdn`	`string (required, if the destination country need it)` A number used to identify a phone number internationally
`beneficiary_nationality`	`string (required)` Country code using ISO 3166 (Alpha-3) of beneficiary nationality
`beneficiary_province`	`string (required)` Province or state of the beneficiary
`beneficiary_city`	`string (required)` City of the beneficiary
`beneficiary_address`	`string (required)` Address of the beneficiary
`beneficiary_postal_code`	`string (optional)` Postal code of the beneficiary
`beneficiary_relationship`	`string (required)` Relationship of beneficiary
`beneficiary_source_of_funds`	`string (required)` Source of funds
`beneficiary_remittance_purposes`	`string (required)` Purpose of remittance
`beneficiary_iban`	`string (required, if the destination country need it)` Identifier of individual account involved in the international transaction
`beneficiary_swift_bic_code`	`string (required, if the destination country need it)` Identifier of specific bank during an international transaction
`beneficiary_sort_code`	`string (required, if the destination country need it)` Digits of code which is used by British and Irish banks
`beneficiary_ifs_code`	`string (required, if the destination country need it)` Indian financial system code
`beneficiary_bsb_number`	`string (required, if the destination country need it)` Identifier of banks and branches across Australia
`beneficiary_branch_number`	`string (required, if the destination country need it)` Identifier of banks and branches across Japan
`beneficiary_document_reference_number`	`string (required, if the destination country need it)` Reference number of document related to the transaction
`beneficiary_registration_number`	`string (required, if the destination country need it)` Registration number
`beneficiary_region`	`string (required, if the destination country need it)` Required for destination country China code.
`sender_name`	`string (required)` The name of the user of the Money Transfer Company that act as a sender
`sender_country`	`integer (required)` Country code of the sender’s residence. Available value can be retrieved from country list.
`sender_place_of_birth`	`integer (required)` City/country code of the sender’s place of birth. Use city code if the sender’s place of birth is in Indonesia, and country code if outside Indonesia. Available value can be retrieved from city/country list.
`sender_date_of_birth`	`string (required)` Sender’s date of birth with `YYYY-MM-DD` format
`sender_address`	`string (required)` Sender’s address
`sender_identity_type`	`string (required)` Sender’s ID type. Accepted value are: `nat_id` (National Id Card or KTP in Indonesia) `passport` (Passport)
`sender_identity_number`	`string (required)` Sender’s ID number
`sender_job`	`string (required)` Sender’s job. Accepted values are: `housewife` `entrepreneur` `private_employee` `government_employee` `foundation_board` (People who work at foundation as an employee) `indonesian_migrant_worker` (Also known as TKI) `company` (If sender is a company, not individual) `others`
`sender_email`	`string (required)` Sender’s email. Only accept one email.
`sender_city`	`string (required)` Sender’s city.
`sender_phone_number`	`string (required)` Sender’s phone number. Start with country phone code.

Response

Status 200
Content-Type: application/json

{
  "id": 10,
  "user_id": 12345,
  "company_id": 123456,
  "exchange_rate": 19000.55,
  "fee": 88888,
  "amount": 1000000,
  "source_country": "IDN",
  "destination_country": "GBR",
  "beneficiary_amount": 52.63,
  "beneficiary_currency_code": "GBP",
  "status": "PENDING",
  "timestamp": "2021-12-02 15:27:24",
  "time_served": "(not set)",
  "created_from": "API",
  "receipt": "someurl.png",
  "transaction_type": "C2C",
  "idempotency_key": "idem-1",
  "beneficiary": {
    "id_number": "44943733088",
    "id_expiration_date": "2022-11-29",
    "full_name": "John Smith",
    "bank_account_number": "1122333300",
    "bank": "Allica Bank",
    "email": "[email protected]",
    "msisdn": "09584008222",
    "nationality": "IDN",
    "country": "GBR",
    "province": "United Kingdom",
    "city": "Manchester",
    "address": "Mosley St Manchester",
    "postal_code": "M2",
    "relationship": "SON",
    "source_of_funds": "BUSINESS",
    "remittance_purpose": "EDUCATION",
    "iban": null,
    "swift_bic_code": null,
    "sort_code": "506967",
    "ifs_code": null,
    "bsb_number": null,
    "branch_number": null,
    "document_reference_number": null,
    "registration_number": null
  },
  "sender": {
    "name": "John Doe",
    "place_of_birth": 100230,
    "date_of_birth": "1963-12-01",
    "address": "Some Address Street 123",
    "identity_type": "nat_id",
    "identity_number": "1234789012347890",
    "country": 100252,
    "job": "entrepreneur",
    "email": "[email protected]",
    "city": "Sender City",
    "phone_number": "+628123456789"
  },
  "reason": ""
}

See International Transfer Object for the details.

Create International Transfer B2C/B2B

An endpoint to create the international transfer B2C/B2B transaction.

POST /international-disbursement/create-with-attachment HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Request

<?php
$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/international-disbursement/create-with-attachment");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_POST, TRUE);

$payloads = [
    "destination_country"=>"MYS",
    "source_country"=>"IDN",
    "transaction_type"=>"B2B",
    "amount"=>300.6,
    "attachment_data"=> (binary),
    "attachment_type"=>"invoice",
    "beneficiary_account_number"=>"1187710200",
    "beneficiary_bank_id"=>2122,
    "beneficiary_document_reference_number"=>"doc_reference_123456",
    "beneficiary_full_name"=>"Jane Doe",
    "beneficiary_remittance_purposes"=>"TRAVEL",
]

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
   "Content-Type: multipart/form-data",
   "X-TIMESTAMP: 2022-01-01T15:02:15+0700"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/international-disbursement/create-with-attachment \
    -X POST \
    -u <secret_key>: \
    -d "destination_country=MYS" \
    -d "source_country=IDN" \
    -d "transaction_type=B2B" \
    -d "amount=300.6" \
    -d "attachment_data=(binary)" \
    -d "attachment_type=invoice" \
    -d "beneficiary_account_number=1187710200" \
    -d "beneficiary_bank_id=2122" \
    -d "beneficiary_document_reference_number=doc_reference_123456" \
    -d "beneficiary_full_name=Jane Doe" \
    -d "beneficiary_remittance_purposes=TRAVEL"

POST https://bigflip.id/api/v2/international-disbursement/create-with-attachment

Attribute	Description
`Content-Type`	`string (required)` Request content type: `application/x-www-form-urlencoded`.
`idempotency-key`	`string (required)` Idempotency key. Please see more detail on Idempotent Request section.
`X-TIMESTAMP`	`string (optional)` Request timestamp. The format will follow the ISO8601 format.

Body

Attribute	Description
`destination_country`	`string (required)` Destination country code using ISO 3166 (Alpha-3). See supported Destination Countries.
`source_country`	`string (required)` Source country code using ISO 3166 (Alpha-3). Currently possible value is IDN.
`transaction_type`	`string (required)` Transaction type information. Possible values are: B2C B2B
`amount`	`string (required)` Amount of money that wants to be disbursed to the beneficiary (in beneficiary currency). Maximum 2 decimal places, for Japan there can be no decimal. Must be within the minimum and maximum amount based on transaction currency.
`attachment_data`	`file (required, if the destination country need it)` File of invoice for Malaysia B2B Accepted extensions: txt, pdf, doc, docx, jpg, jpeg, png, bmp, rtf, xls, xlsx
`attachment_type`	`string (required, if the destination country need it)` Currently possible value is invoice for MYS
`beneficiary_account_number`	`string (required)` Account number of the beneficiary bank
`beneficiary_ach_code`	`string (required, if the destination country need it)` Ach code of the beneficiary
`beneficiary_address`	`string (required, if the destination country need it)` Address of the beneficiary
`beneficiary_bank_id`	`string (required, if the destination country need it)` ID of beneficiary bank
`beneficiary_bank_name`	`string (required, if the destination country need it)` Name of beneficiary bank. Can be used for destination countries AUS and GBR
`beneficiary_branch_number`	`string (required, if the destination country need it)` Identifier of banks and branches across Japan
`beneficiary_bsb_number`	`string (required, if the destination country need it)` Identifier of banks and branches across Australia
`beneficiary_city`	`string (required, if the destination country need it)` City of the beneficiary
`beneficiary_document_reference_number`	`string (required, if the destination country need it)` Reference number of document related to the transaction
`beneficiary_email`	`string (optional)` Email of beneficiary
`beneficiary_full_name`	`string (required, if the destination country need it)` Full name of the beneficiary
`beneficiary_iban`	`string (required, if the destination country need it)` Identifier of individual account involved in the international transaction
`beneficiary_id_expiration_date`	`string (required, if the destination country need it)` ID expiration date using YYYY-MM-DD format
`beneficiary_ifs_code`	`string (required, if the destination country need it)` Indian financial system code
`beneficiary_id_number`	`string (required, if the destination country need it)` ID Number
`beneficiary_msisdn`	`string (required, if the destination country need it)` A number used to identify a phone number internationally
`beneficiary_nationality`	`string (required, if the destination country need it)` Country code using ISO 3166 (Alpha-3) of beneficiary nationality
`beneficiary_postal_code`	`string (required, if the destination country need it)` Postal code of the beneficiary
`beneficiary_province`	`string (required, if the destination country need it)` Province or state of the beneficiary
`beneficiary_relationship`	`string (required, if the destination country need it)` Relationship of beneficiary
`beneficiary_remittance_purposes`	`string (required, if the destination country need it)` Purpose of remittance
`beneficiary_sort_code`	`string (required, if the destination country need it)` Digits of code which is used by British and Irish banks
`beneficiary_source_of_funds`	`string (required, if the destination country need it)` Source of funds

Response

Status 200
Content-Type: application/json

{
  "id": 10,
  "user_id": 12345,
  "company_id": 123456,
  "exchange_rate": 3341.96,
  "fee": 45000,
  "amount": 1004594,
  "source_country": "IDN",
  "destination_country": "MYS",
  "beneficiary_amount": 300.6,
  "beneficiary_currency_code": "MYR",
  "status": "PENDING",
  "timestamp": "(not set)",
  "time_served": "(not set)",
  "created_from": "API",
  "receipt": "",
  "transaction_type": "B2B",
  "idempotency_key": "idem-1",
  "beneficiary": {
    "full_name": "Jane Doe",
    "bank_account_number": "1187710200",
    "email": null,
    "bank": "AFFIN INVESTMENT BANK BERHAD",
    "msisdn": "",
    "nationality": "",
    "country": "MYS",
    "province": "",
    "city": "",
    "address": "",
    "postal_code": null,
    "relationship": "",
    "source_of_funds": "",
    "remittance_purpose": "TRAVEL",
    "iban": null,
    "swift_bic_code": null,
    "sort_code": null,
    "ifs_code": null,
    "bsb_number": null,
    "branch_number": null,
    "document_reference_number": "doc_reference_123456",
    "registration_number": null,
    "id_number": "",
    "id_expiration_date": "",
    "ach_code": ""
  },
  "sender": null,
  "reason": ""
}

See International Transfer Object for the details.

Get International Transfer

An endpoint to get a specific international transfer transaction.

GET /international-disbursement/{transaction id} HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/international-disbursement/10");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/international-disbursement/10 \
    -u <secret_key>:

GET https://bigflip.id/api/v2/international-disbursement/[transaction id]

Response

Status 200
Content-Type: application/json

{
  "id": 10,
  "user_id": 12345,
  "company_id": 123456,
  "exchange_rate": 19000.55,
  "fee": 88888,
  "amount": 1000000,
  "source_country": "IDN",
  "destination_country": "GBR",
  "beneficiary_amount": 52.63,
  "beneficiary_currency_code": "GBP",
  "status": "PENDING",
  "timestamp": "2021-12-02 15:27:24",
  "time_served": "(not set)",
  "created_from": "API",
  "receipt": "someurl.png",
  "transaction_type": "C2C",
  "idempotency_key": "idem-1",
  "beneficiary": {
    "id_number": "44943733088",
    "id_expiration_date": "2022-11-29",
    "full_name": "John Smith",
    "bank_account_number": "1122333300",
    "bank": "Allica Bank",
    "email": "[email protected]",
    "msisdn": "09584008222",
    "nationality": "IDN",
    "country": "GBR",
    "province": "United Kingdom",
    "city": "Manchester",
    "address": "Mosley St Manchester",
    "postal_code": "M2",
    "relationship": "SON",
    "source_of_funds": "BUSINESS",
    "remittance_purpose": "EDUCATION",
    "iban": null,
    "swift_bic_code": null,
    "sort_code": "506967",
    "ifs_code": null,
    "bsb_number": null,
    "branch_number": null,
    "document_reference_number": null,
    "registration_number": null
  },
  "sender": {
    "name": "John Doe",
    "place_of_birth": 100230,
    "date_of_birth": "1963-12-01",
    "address": "Some Address Street 123",
    "identity_type": "nat_id",
    "identity_number": "1234789012347890",
    "country": 100252,
    "job": "entrepreneur",
    "email": "[email protected]",
    "city": "Sender City",
    "phone_number": "+628123456789"
  },
  "reason": ""
}

International Transfer Object

Attribute	Description
`id`	Id of international transfer
`user_id`	Id creator of transaction
`company_id`	Id of company
`exchange_rate`	The country exchange rates to IDR
`fee`	Transfer fee to the country
`amount`	Transfer amount in IDR
`source_country`	Source country code using ISO 3166 (Alpha-3)
`destination_country`	Destination country code using ISO 3166 (Alpha-3)
`beneficiary_amount`	Amount to be received by beneficiary
`beneficiary_currency_code`	Currency code of the beneficiary
`status`	Transaction status. Possible values are: PENDING CANCELLED DONE
`timestamp`	The time when the disbursement request was created. Time will be in GMT+7 with `yyyy-mm-dd hh:mm:ss` format
`time_served`	The time when the disbursement is finished
`created_from`	The channel of which the transaction was created. Possible values are: API Dashboard
`receipt`	URL of the transfer receipt
`transaction_type`	Transaction type information. Possible values are: C2C C2B B2C B2B
`idempotency_key`	Idempotency key information
`beneficiary`	Beneficiary object
`sender`	Sender object
`reason`	The reason value will be given if the transaction status is `CANCELLED`. Possible values can be seen in Cancelled Transaction Reasons table.

International Transfer Beneficiary Object

Attribute	Description
`id_number`	Id number
`id_expiration_date`	ID expiration date using YYYY-MM-DD format
`full_name`	Full name of the beneficiary
`bank_account_number`	Account number of the beneficiary bank
`bank`	Bank name of beneficiary bank
`email`	Email of beneficiary
`msisdn`	A number used to identify a phone number internationally
`nationality`	Country code using ISO 3166 (Alpha-3) of beneficiary nationality
`country`	Country code using ISO 3166 (Alpha-3) of the beneficiary’s country
`province`	Province or state of the beneficiary
`city`	City of the beneficiary
`address`	Address of the beneficiary
`postal_code`	Postal code of the beneficiary
`relationship`	Relationship of sender and beneficiary
`source_of_funds`	Source of funds
`remittance_purpose`	Purpose of remittance
`iban`	Identifier of individual account involved in the international transaction
`swift_bic_code`	Identifier of specific bank during an international transaction
`sort_code`	Digits of code which is used by British and Irish banks
`ifs_code`	Indian financial system code
`bsb_number`	Identifier of banks and branches across Australia
`branch_number`	Identifier of bank for Japan
`document_reference_number`	Reference number of document related to the transaction
`registration_number`	Registration number

International Transfer Sender Object

Attribute	Description
`name`	The name of the user of the Money Transfer Company that act as a sender
`place_of_birth`	City/country code of the Sender’s place of birth
`date_of_birth`	Sender’s date of birth
`address`	Sender’s address
`identity_type`	Sender’s identity type. Possible values are: `nat_id` `passport`
`identity_number`	Sender’s identity number
`country`	Country code of the Sender’s country
`job`	Sender’s job. Possible values are: `housewife` `entrepreneur` `private_employee` `government_employee` `foundation_board` `indonesian_migrant_worker` `others`
`email`	Sender’s email
`city`	Sender’s city
`phone_number`	Sender’s phone number

Get All International Transfer

An endpoint to get all existing international transfer transactions.

GET /international-disbursement HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/international-disbursement");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/international-disbursement \
    -u <secret_key>:

GET https://bigflip.id/api/v2/international-disbursement?pagination=pagination&page=page&sort=sort

Param	Value
pagination	`integer (optional)` The pagination of the result. Default value is 20.
page	`integer (optional)` The page number of the result to be viewed. Default value is 1.
sort_by	`string (optional)` Sort the result by the attribute. Use the attribute name (e.g sort=id) to sort in ascending order or dash+attribute name (e.g sort=-id) to sort in descending order. Possible values are: `id` (default) `amount` `source_country` `destination_country` `status`

Response

Status 200
Content-Type: application/json

{
  "total_data": 5,
  "data_per_page": 5,
  "total_page": 1,
  "page": 1,
  "data": [
    {
      "id": 10,
      "user_id": 12345,
      "company_id": 123456,
      "exchange_rate": 19000.55,
      "fee": 88888,
      "amount": 1000000,
      "source_country": "IDN",
      "destination_country": "GBR",
      "beneficiary_amount": 52.63,
      "beneficiary_currency_code": "GBP",
      "status": "PENDING",
      "timestamp": "2021-12-02 15:27:24",
      "time_served": "(not set)",
      "created_from": "API",
      "receipt": "someurl.png",
      "transaction_type": "C2C",
      "idempotency_key": "idem-1",
      "beneficiary": {
        "full_name": "John Smith",
        "bank_account_number": "1122333300",
        "bank": "Allica Bank",
        "email": "[email protected]",
        "msisdn": "09584008222",
        "nationality": "IDN",
        "country": "GBR",
        "province": "United Kingdom",
        "city": "Manchester",
        "address": "Mosley St Manchester",
        "postal_code": "M2",
        "relationship": "SON",
        "source_of_funds": "BUSINESS",
        "remittance_purpose": "EDUCATION",
        "iban": null,
        "swift_bic_code": null,
        "sort_code": "506967",
        "ifs_code": null,
        "bsb_number": null,
        "branch_number": null,
        "document_reference_number": null,
        "registration_number": null
      },
      "sender": {
        "name": "John Doe",
        "place_of_birth": 100230,
        "date_of_birth": "1963-12-01",
        "address": "Some Address Street 123",
        "identity_type": "nat_id",
        "identity_number": "1234789012347890",
        "country": 100252,
        "job": "entrepreneur",
        "email": "[email protected]",
        "city": "Sender City",
        "phone_number": "+628123456789"
      },
      "reason": ""
    },
    ...
  ]
}

Attribute	Description
total_data	Total data returned in all page
data_per_page	Total data returned in current page
total_page	Total/max page available
page	Current page
data	Array of international transfer object

Supported Destination Countries

Currently, we support International Transfer to these countries:

No.	Country ISO Code	Country Name	Currency ISO Code
1	AND	Andorra	EUR
2	AUS	Australia	AUD
3	AUT	Austria	EUR
4	BEL	Belgium	EUR
5	BGR	Bulgaria	EUR
6	CHN	China (only C2C and B2B)	CNY
7	HRV	Croatia	EUR
8	CYP	Cyprus	EUR
9	CZE	Czech Republic	EUR
10	DNK	Denmark	EUR
11	EST	Estonia	EUR
12	FIN	Finland	EUR
13	FRA	France	EUR
14	DEU	Germany	EUR
15	GRC	Greece	EUR
16	HKG	Hongkong	HKD
17	HUN	Hungary	EUR
18	ISL	Iceland	EUR
19	IND	India	INR
20	IRL	Ireland	EUR
21	ITA	Italy	EUR
22	JPN	Japan	JPY
23	LVA	Latvia (only C2C/C2B)	EUR
24	LIE	Liechtenstein	EUR
25	LTU	Lithuania	EUR
26	LUX	Luxembourg	EUR
27	MYS	Malaysia	MYR
28	MLT	Malta	EUR
29	MCO	Monaco	EUR
30	NLD	Netherlands	EUR
31	NOR	Norway	EUR
33	PHL	Philippines (only B2C/B2B)	PHP
34	POL	Poland	EUR
35	PRT	Portugal	EUR
36	ROU	Romania	EUR
37	SMR	San Marino	EUR
38	SAU	Saudi Arabia	SAR
39	SGP	Singapore	SGD
40	SVK	Slovakia	EUR
41	SVN	Slovenia	EUR
42	KOR	South Korea	KRW
43	ESP	Spain	EUR
44	SWE	Sweden	EUR
45	CHE	Switzerland	EUR
46	THA	Thailand	THB
47	TUR	Turkey	TRY
48	ARE	United Arab Emirates	AED
49	GBR	United Kingdom	GBP
50	USA	United States	USD
51	VAT	Vatican City State	EUR
52	VNM	Vietnam (only B2C/B2B)	VND

Cancelled Transaction Reasons

These are the possible values for reason of International Transfer transaction if the transaction’s status is CANCELLED.

No.	Error Code	Description
1	DECLINED	Transaction cannot be processed.
2	CANCELLED	Transaction was cancelled by system.
3	REFUSED	Transaction was not complete because beneficiary declined the fund.
4	INVALID_BENEFICIARY	Transaction was failed due to invalid beneficiary account, e.g. bank account number.
5	INVALID_BENEFICIARY_DETAILS	Transaction was failed due to invalid beneficiary details, e.g. name, email, phone number.
6	LIMITATIONS_ON_TRANSACTION_VALUE	Transaction was failed due to value of transaction exceeding the limit.
7	SLS_SENDER	Transaction was rejected due to sender failing the sanction list screening.
8	SLS_BENEFICIARY	Transaction was not complete due to beneficiary failing the sanction list screening.
9	BARRED_BENEFICIARY	Transaction was not complete due to beneficiary being blacklisted.
10	BARRED_SENDER	Transaction was rejected due to sender being blacklisted.
11	COMPLIANCE_REASON	Transaction was rejected due to compliance reason.
12	UNSUPPORTED_BENEFICIARY	Transaction was not complete due to beneficiary’s inability to receive the fund.
13	DUPLICATED_TRANSACTION	Transaction failed due it was a duplicate.
14	LIMITATIONS_ON_SENDER_QUANTITY	Transaction was rejected due to sender had exceeded the transaction count limit.
15	LIMITATIONS_ON_BENEFICIARY_QUANTITY	Transaction was not complete due to beneficiary had exceeded the transaction count limit.
16	LIMITATIONS_ON_ACCOUNT_QUANTITY	Transaction was not complete due to beneficiary had exceeded the account transaction count limit.
17	LIMITATIONS_ON_ACCOUNT_VALUE	Transaction was not complete due to beneficiary had reached the account transaction value limit.

Error List

As mentioned here, validation error or response with status code 422 will contain inner code. Here is the list of the code for International Transfer Transfer:

Error code	Meaning
999	Undefined error
1020	The related attribute can only contain number
1024	Max char for the related attribute exceeded
1034	Country is invalid. Please see available country code
1038	Country/city code is not valid. The difference with `1037` code is `1037` will occur if the attribute only allows country code while this code will occur if the attribute allows country or city code
1039	Date format is invalid
1040	Date is invalid
1041	Attribute is invalid
1068	Param `country_iso_code` is invalid
1069	Param `transaction_type` is invalid
1081	Maximum amount is exceeded
1082	Minimum amount has not been reached
1083	Cannot use decimal amount
1084	The related attribute can only contain alphanumeric character
1085	Minimum words required
1087	Attribute must consist of X character
1094	The sent request/transaction is marked as stale request (more than 1 minute than the server time)
1095	`X-TIMESTAMP` format is invalid. It should follow the ISO8601 format

Callback

<?php
$data = isset($_POST['data']) ? $_POST['data'] : null;
$token = isset($_POST['token']) ? $_POST['token'] : null;
if($token === 'the_token_you_get_from_big_flip_dashboard'){
    $decoded_data = json_decode($data);
    print_r($decoded_data);
    //example of what will be printed are listed below
}

# See php tab for sample code

When your transaction status changed or when our system has completed the bank account inquiry process, we will hit the URL you’ve provided in your Flip for Business dashboard.

The provided URL must return a 200 HTTP Status Code. If the URL returns another HTTP Status Code or if our system doesn’t receive any response within 30 seconds (timeout), our system will retry the request 5 times, with a 2-minute interval for the transaction callback (Money Transfer, Accept Payment, International Transfer).

We will hit your URL using POST request with content type application/x-www-form-urlencoded and payload as described below:

Attribute	Description
data	`string` JSON array string with content exactly the same as the response of disbursement or bank account inquiry (see example on the right side)
token	`string` Validation token to ensure that the callback is coming from our server. You can get your token in your Flip for Business dashboard.

Example code of how to receive the callback are shown on the right side.

Bank Inquiry Callback

Example of bank account inquiry

{
  "bank_code": "bca",
  "account_number": "5465327020",
  "account_holder": "PT Fliptech Lentera IP",
  "status": "SUCCESS",
  "inquiry_key": "aVncCDdKW9dciRvH9qSH"
}

If our system has completed the bank account inquiry process, then we will hit the provided URL for the bank inquiry callback. Please make sure that you have set the Bank Account Inquiry callback URL on the Flip for Business dashboard.

Disbursement Callback

Example of disbursement

{
  "id": 790,
  "user_id": 23,
  "amount": 10000,
  "status": "DONE",
  "reason": "",
  "timestamp": "2017-08-28 14:32:47",
  "bank_code": "bni",
  "account_number": "0437051936",
  "recipient_name": "- FLIPTECH LENTERA INSPIRASI P",
  "sender_bank": "bri",
  "remark": "testing",
  "receipt": "https://storage.biznetgiocloud.com/v1/AUTH_GIOOST443831/bukti_transfer/123993_2017-08-04%202017:07:26.jpg",
  "time_served": "2017-08-28 14:42:47",
  "bundle_id": 0,
  "company_id": 7,
  "recipient_city": 391,
  "created_from": "API",
  "direction": "DOMESTIC_TRANSFER",
  "sender": null,
  "fee": 1500
}

Disbursement callback will be sent to you if you transaction status is changed to DONE or CANCELLED. This callback is used for the V2 and V3 Disbursement. Please make sure that you have set the Transaction callback URL on the Flip for Business dashboard.

Special Disbursement Callback

Example of special disbursement

{
  "id": 812,
  "user_id": 23,
  "amount": "10000",
  "status": "DONE",
  "reason": "",
  "timestamp": "2017-09-06 14:29:55",
  "bank_code": "bni",
  "account_number": "0437051936",
  "recipient_name": "- FLIPTECH LENTERA INSPIRASI P",
  "sender_bank": "bri",
  "remark": "testing",
  "receipt": "https://storage.biznetgiocloud.com/v1/AUTH_GIOOST443831/bukti_transfer/123993_2017-08-04%202017:07:26.jpg",
  "time_served": "2017-09-06 14:39:55",
  "bundle_id": 0,
  "company_id": 7,
  "recipient_city": 391,
  "created_from": "API",
  "direction": "DOMESTIC_SPECIAL_TRANSFER",
  "sender": {
    "sender_name": "John Doe",
    "place_of_birth": 391,
    "date_of_birth": "1992-01-31",
    "address": "taman bakokekok di jalan bakokekok 15 no.2 - 230",
    "sender_identity_type": "nat_id",
    "sender_identity_number": "asdas213123",
    "sender_country": 100252,
    "job": "private_employee"
  },
  "fee": 1500
}

Special Disbursement callback will be sent to you if you transaction status is changed to DONE or CANCELLED. This callback is used for the V2 and V3 Special Disbursement. Please make sure that you have set the Transaction callback URL on the Flip for Business dashboard.

Accept Payment Callback

Example of accept payment

{
  "id": "FT1",
  "bill_link": "flip.id/$<company_code>/#<product_code>",
  "bill_link_id": 4740,
  "bill_title": "Cimol Goreng",
  "sender_name": "Jon Doe",
  "sender_bank": "bni",
  "sender_email": "[email protected]",
  "amount": 10000,
  "status": "SUCCESSFUL",
  "sender_bank_type": "bank_account",
  "created_at": "2021-11-29 10:10:10"
}

Accept payment callback will be sent to you if there is a payment status that changed to SUCCESSFUL, CANCELLED, or FAILED. Please make sure that you have set the Accept Payment callback URL on the Flip for Business dashboard.

International Transfer Callback

Example of international transfer

{
  "id": 10,
  "user_id": 12345,
  "company_id": 123456,
  "exchange_rate": 19000.55,
  "amount": 1000000,
  "beneficiary_amount": 52.63,
  "fee": 88888,
  "source_country": "IDN",
  "destination_country": "GBR",
  "beneficiary_currency_code": "GBP",
  "status": "DONE",
  "timestamp": "2021-12-02 15:27:24",
  "time_served": "(not set)",
  "created_from": "API",
  "receipt": "someurl.png",
  "transaction_type": "C2C",
  "idempotency_key": "idem-1",
  "beneficiary": {
    "full_name": "John Smith",
    "bank_account_number": "1122333300",
    "bank": "Allica Bank",
    "email": "[email protected]",
    "msisdn": "09584008222",
    "nationality": "IDN",
    "country": "GBR",
    "province": "United Kingdom",
    "city": "Manchester",
    "address": "Mosley St Manchester",
    "postal_code": "M2",
    "relationship": "SON",
    "source_of_funds": "BUSINESS",
    "remittance_purpose": "EDUCATION",
    "iban": null,
    "swift_bic_code": null,
    "sort_code": "506967",
    "ifs_code": null,
    "bsb_number": null,
    "branch_number": null,
    "document_reference_number": null,
    "registration_number": null
  },
  "sender": {
    "name": "John Doe",
    "place_of_birth": 100230,
    "date_of_birth": "1963-12-01",
    "address": "Some Address Street 123",
    "identity_type": "nat_id",
    "identity_number": "1234789012347890",
    "country": 100252,
    "job": "entrepreneur",
    "email": "[email protected]",
    "city": "Sender City",
    "phone_number": "+628123456789"
  }
}

International transfer callback will be sent to you if you transaction status is changed. Please make sure that you have set the International Transfer callback URL on the Flip for Business dashboard.

Agent’s KYC Status Callback

Example of Agent’s KYC

{
  "agent_id": 1,
  "agent_name": "John Doe",
  "kyc_status": "UPLOAD_IDENTITY_SELFIE_FAILED",
  "rejected_reason_code": 10,
  "rejected_reason": "The data that is filled in does not match with identity card",
  "created_at": "2022-02-18 05:03:32",
  "updated_at": "2022-03-17 09:48:58",
  "submitted_at": "2022-03-17 09:48:58",
  "verified_at": "2022-01-03 09:11:49"
}

A callback notification will be sent to your Agent KYC callback URL if there is a status update related to the agent’s KYC process. Flip will send callback notification for KYC status which has status as below:

Name	Code	Description
`UPLOAD_IDENTITY_SELFIE_FAILED`	`15`	Selfie identity image is failed to be uploaded
`UPLOAD_IDENTITY_SELFIE_SUCCESS`	`19`	Selfie identity image is succeed to be uploaded
`APPROVED`	`40`	KYC Approved
`REJECTED`	`50`	KYC Rejected

Please make sure that you have set the Agent KYC Verification callback URL on the Flip for Business dashboard.

Bank Status Callback

Example of bank is in down status

[
  {
    "bank_code": "bca",
    "status": "HEAVILY_DISTURBED",
    "message": "Bank is under severe disturbance. Please wait until the next callback saying bank is free from the disturbance, before attempting a transaction to the bank.",
    "updated_at": "2023-03-10 10:10:00"
  }
]

Example of bank is in delay status

[
  {
    "bank_code": "bca",
    "status": "DISTURBED",
    "message": "Bank is now free from severe disturbance. You can continue to transact with the beneficiary bank. However, at a slower pace and might be delayed.",
    "updated_at": "2023-03-10 10:10:00"
  }
]

Example of bank has been back to operational

[
  {
    "bank_code": "bca",
    "status": "OPERATIONAL",
    "message": "Bank is now free from severe disturbance. You can continue to transact to the beneficiary bank.",
    "updated_at": "2023-03-10 10:10:00"
  }
]

A bank status info will be sent to you via the provided URL for Bank Disturbance callback. Please make sure that you have set the Bank Status callback URL on the Flip for Business dashboard.

Attribute	Description
`bank_code`	Flip’s bank code.
`status`	The status of the disbursement process in related bank. Possible values are: `OPERATIONAL` Banks are operational, disbursement will be processed as soon as possible `DISTURBED` Banks are slow or have another problem. Disbursement will still be processed, but in slower pace and might be delayed `HEAVILY_DISTURBED` Banks are having an error, offline, or another problem that result in a nearly unusable system. Disbursement to this bank can not be processed in a short time, and maybe won’t be processed in the same day. You can ask for a refund if this happen.
`message`	Description of the given status.
`updated_at`	Timestamp of the status updation.

Legacy APIs

The legacy APIs documented in this section are provided for backwards-compatibility. These endpoints may be deprecated in the future. The newer version of APIs are already provided as replacement for these legacy APIs.

Money Transfer V2

Valid bank code are listed in destination bank section.

You can also get this list of bank code along with another information in get bank info.

Create Disbursement

POST /disbursement HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Idempotency key in a Disbursement request is a must. It will be used to prevent accidentally created the same disbursement more than once. Please see more detail on Idempotent Request section.
X-TIMESTAMP in a Disbursement request is highly recommended by Flip. It will be used to validate your request in case of network error (timeout, delay, etc.). If a transaction is marked as timeout or stale, then it won’t be processed by Flip. The duration until a transaction is marked stale is 60 seconds.
Flip highly recommend performing the account inquiry before every disbursement request. This is to ensure that the destination account has been validated and to prevent any transaction issues (e.g failed transaction due to account can’t accept fund/inactive/closed, etc.) Please see more detail on Bank Account Inquiry section.

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/disbursement");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_POST, TRUE);

$payloads = [
    "account_number" => "1122333300",
    "bank_code" => "bni",
    "amount" => "10000",
    "remark" => "some remark",
    "recipient_city" => "391"
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded",
  "idempotency-key: idem-key-1",
  "X-TIMESTAMP: 2022-01-01T15:02:15+0700"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/disbursement \
    -X POST \
    -u <secret_key>: \
    -d account_number="1122333300" \
    -d bank_code="bni" \
    -d amount="10000" \
    -d remark="some remark" \
    -d recipient_city="391"

POST https://bigflip.id/api/v2/disbursement

Attribute	Description
`Content-Type`	`string (required)` Request content type: `application/x-www-form-urlencoded`.
`idempotency-key`	`string (required)` Idempotency key. Please see more detail on Idempotent Request section.
`X-TIMESTAMP`	`string (optional)` Request timestamp. The format will follow the ISO8601 format.

Body

Attribute	Description
`account_number`	`string (required)` The account number of the recipient
`bank_code`	`string (required)` Bank code of the recipient bank. Accepted value are listed above
`amount`	`integer (required)` The amount of money to be disbursed
`remark`	`string (optional)` Remark to be included in the transfer made to the recipient. Usually will appear as `berita transfer` or `remark` in the transfer receipt. Max length for this attribute is 18 character with only letters, numbers, spaces, `.`, `-`, `/`, `(`, and `)` allowed. Only for disbursement with the bank code being `bri`, the remark will be prepended with the beneficiary name. Example: `tes remark` will be `john doe test remark`
`recipient_city`	`integer (optional)` City code of the recipient city. Available value can be retrieved from city list

Response

Status 200
Content-Type: application/json

{
  "id": 10,
  "user_id": 20,
  "amount": 10000,
  "status": "PENDING",
  "reason": "",
  "timestamp": "2017-08-28 14:32:47",
  "bank_code": "bni",
  "account_number": "1122333300",
  "recipient_name": "John Doe",
  "sender_bank": "bri",
  "remark": "testing",
  "receipt": "",
  "time_served": "0000-00-00 00:00:00",
  "bundle_id": 0,
  "company_id": 7,
  "recipient_city": 391,
  "created_from": "API",
  "direction": "DOMESTIC_TRANSFER",
  "sender": null,
  "fee": 1500
}

See detailed explanation at the Disbursement object details.

Get All Disbursement

GET /disbursement HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/disbursement?pagination=pagination&page=page&sort=sort&atribut=value");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/disbursement?pagination=pagination&page=page&sort=sort&atribut=value \
    -u <secret_key>:

Format of the url parameter:

GET https://bigflip.id/api/v2/disbursement?pagination=pagination&page=page&sort=sort&attribute=value

param	value
`pagination`	`integer (optional)` The pagination of the result. Default value is `20`
`page`	`integer (optional)` The page number of the result to be viewed.
`sort`	`string (optional)` Sort the result by the attribute. Use the attribute name (e.g `sort=id`) to sort in ascending order or dash+attribute name (e.g `sort=-id`) to sort in descending order.

id - exact comparison
amount - exact comparison
status - exact comparison
timestamp - “like” comparison
bank_code - “like” comparison
account_number - “like” comparison
recipient_name - “like” comparison
remark - “like” comparison
time_served - “like” comparison
created_from - “like” comparison
direction - exact comparison

Example:

https://bigflip.id/api/v2/disbursement?pagination=10&page=5&sort=-id

Response

Status 200
Content-Type: application/json

{
  "total_data": 85,
  "data_per_page": 20,
  "total_page": 5,
  "page": 1,
  "data": [
    {
      "id": 10,
      "user_id": 20,
      "amount": 10000,
      "status": "PENDING",
      "reason": "",
      "timestamp": "2017-08-28 14:32:47",
      "bank_code": "bni",
      "account_number": "1122333300",
      "recipient_name": "John Doe",
      "sender_bank": "bri",
      "remark": "some remark",
      "receipt": "",
      "time_served": "0000-00-00 00:00:00",
      "bundle_id": 0,
      "company_id": 7,
      "recipient_city": 391,
      "created_from": "API",
      "direction": "DOMESTIC_TRANSFER",
      "sender": null,
      "fee": 1500
    },
    {
      "id": 11,
      "user_id": 20,
      "amount": 10000,
      "status": "DONE",
      "reason": "",
      "timestamp": "2017-08-24 21:21:23",
      "bank_code": "bni",
      "account_number": "1122333300",
      "recipient_name": "John Doe",
      "sender_bank": "bri",
      "remark": "some remark",
      "receipt": "someurl.jpg",
      "time_served": "2017-08-25 09:11:35",
      "bundle_id": 0,
      "company_id": 7,
      "recipient_city": 391,
      "created_from": "API",
      "direction": "FOREIGN_INBOUND_SPECIAL_TRANSFER",
      "sender": {
        "sender_name": "John Doe",
        "place_of_birth": 391,
        "date_of_birth": "1992-01-01",
        "address": "Some Address Street 123",
        "sender_identity_type": "nat_id",
        "sender_identity_number": "123456789",
        "sender_country": 100252,
        "job": "entrepreneur"
      },
      "fee": 1000
    }
  ]
}

Attribute	Description
`total_data`	Total data returned in all page
`data_per_page`	Total data returned in current page
`total_page`	Total/max page available
`page`	Current page
`data`	Array of disbursement object.

Get Disbursement

GET /disbursement/{transaction_id} HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Use this endpoint to get one specific transaction specified by transaction_id in the request URL.

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/disbursement/10");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/disbursement/10 \
    -u <secret_key>:

GET https://bigflip.id/api/v2/disbursement/[transaction_id]

Response

Status 200
Content-Type: application/json

{
  "id": 10,
  "user_id": 20,
  "amount": 10000,
  "status": "PENDING",
  "reason": "",
  "timestamp": "2017-08-28 14:32:47",
  "bank_code": "bni",
  "account_number": "1122333300",
  "recipient_name": "John Doe",
  "sender_bank": "bri",
  "remark": "testing",
  "receipt": "",
  "time_served": "0000-00-00 00:00:00",
  "bundle_id": 0,
  "company_id": 7,
  "recipient_city": 391,
  "created_from": "API",
  "direction": "DOMESTIC_TRANSFER",
  "sender": null,
  "fee": 1500
}

Disbursement Object

Attribute	Description
`id`	Flip’s transaction id
`user_id`	Your account user id in our system
`amount`	The amount of money to be disbursed in IDR
`status`	Transaction status. Possible values are: `PENDING` Disbursement is still in process `CANCELLED` The transaction is cancelled and the amount of the transaction plus the transaction fee will be credited to your balance. This will happen if the transfer process are failed for reason such as inactive recipient account, wrong account number, etc `DONE` Disbursement process is finished and the money have been sent to the recipient
`reason`	The reason value will be given if the transaction status is `CANCELLED`. Possible values are: `INACTIVE_ACCOUNT` Inactive account / Nomor rekening tidak aktif `NOT_REGISTERED_ACCOUNT` Not registered account / Nomor rekening tidak terdaftar `CANT_RECEIVE_TRANSFER` Can’t receive transfer / Rekening tujuan tidak dapat menerima transfer `INTERMITTENT_DISTURBANCE_ON_BENEFICIARY_BANK` Intermittent disturbance on destination bank / Bank tujuan sementara mengalami gangguan `BENEFICIARY_ACCOUNT_NOT_VERIFIED` Account is not verified / Rekening tujuan belum terverifikasi `EXCEEDED_TRANSACTION_AMOUNT_LIMIT` Exceeded amount transaction limit / Batas transaksi melebihi jumlah
`timestamp`	The time when the disbursement request created. Time will be in GMT+7 with `yyyy-mm-dd hh:mm:ss` format
`bank_code`	Bank code of the recipient bank
`account_number`	The account number of the recipient
`recipient_name`	The name of the recipient account holder. If the account number haven’t cached by Flip yet, this attribute will show `-` (dash) instead
`sender_bank`	The default sender bank in your account
`remark`	Remark to be included in the transfer made to the recipient
`receipt`	Url of the transfer receipt. The receipt will be a screenshot taken from the internet banking interface of each bank. This attribute will only show the url when the status is `DONE`
`time_served`	The time when the transaction is finished. Will only show valid value when the status is `DONE`
`bundle_id`	The bundle id of the transaction made from Flip for Business Dashboard (csv upload or manual input). For the transaction created from API, the value will always be `0`
`company_id`	Your Flip for Business account user id in our system
`recipient_city`	City code of the recipient city
`created_from`	The channel of which the transaction was created. Possible values are: `API` `DASHBOARD`
`direction`	The direction of the transaction. Possible values are: `DOMESTIC_TRANSFER` Common Disbursement from Indonesia to Indonesian recipient `DOMESTIC_SPECIAL_TRANSFER` Special disbursement from the user of a Money Transfer Company residing in Indonesia to Indonesian recipient `FOREIGN_INBOUND_SPECIAL_TRANSFER` Special disbursement from the user of a Money Transfer Company residing in a foreign country to Indonesian recipient
`sender`	Possible values are `null` if the transaction is a common disbursement, and sender object if the transaction is a special disbursment.
`fee`	The fee of the transaction

Sender Object

Attribute	Description
`sender_name`	The name of the user of the Money Transfer Company that act as a sender
`place_of_birth`	City/country code of the Sender’s place of birth
`date_of_birth`	Sender’s date of birth
`address`	Sender’s address
`sender_identity_type`	Sender’s identity type. Possible value are: `nat_id` `drv_lic` `passport` `bank_acc`
`sender_identity_number`	Sender’s identity number
`sender_country`	Country code of the Sender’s country
`job`	Sender’s job. Possible values are: `housewife` `entrepreneur` `private_employee` `government_employee` `foundation_board` `indonesian_migrant_worker` `others`

Special Money Transfer V2

Special Money Transfer is a set of special disbursement APIs for a company operating as a Money Transfer Company (Perusahaan Transfer Dana). The difference with common disbursement, is in this transaction you must provide your senders personal information as part of the Know Your Customer (KYC) process mandated by Bank Indonesia.

Create Special Disbursement

POST /special-disbursement HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Basic [your encoded flip for business secret key]

Idempotency key in a Disbursement request is a must. It will be used to prevent accidentally created the same disbursement more than once. Please see more detail on Idempotent Request section.
X-TIMESTAMP in a Disbursement request is highly recommended by Flip. It will be used to validate your request in case of network error (timeout, delay, etc.). If a transaction is marked as timeout or stale, then it won’t be processed by Flip. The duration until a transaction is marked stale is 60 seconds.
Flip highly recommend performing the account inquiry before every disbursement request. This is to ensure that the destination account has been validated and to prevent any transaction issues (e.g failed transaction due to account can’t accept fund/inactive/closed, etc.) Please see more detail on Bank Account Inquiry section.

Request

<?php

$ch = curl_init();
$secret_key = "wwwwwwwxxxxxxxaaaaaaabbbbbbbbbcccccdddd";

curl_setopt($ch, CURLOPT_URL, "https://bigflip.id/api/v2/special-disbursement");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);
curl_setopt($ch, CURLOPT_HEADER, FALSE);

curl_setopt($ch, CURLOPT_POST, TRUE);

$payloads = [
    "account_number" => "1122333300",
    "bank_code" => "bni",
    "amount" => "10000",
    "remark" => "some remark",
    "recipient_city" => "391",
    "sender_country" => 100252,
    "sender_place_of_birth" => 391,
    "sender_date_of_birth" => "1992-01-01",
    "sender_identity_type" => "nat_id",
    "sender_name" => "John Doe",
    "sender_address" => "Some Address Street 123",
    "sender_identity_number" => "123456789",
    "sender_job" => "entrepreneur",
    "direction" => "DOMESTIC_SPECIAL_TRANSFER"
];

curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payloads));

curl_setopt($ch, CURLOPT_HTTPHEADER, array(
  "Content-Type: application/x-www-form-urlencoded",
  "idempotency-key: idem-key-1",
  "X-TIMESTAMP: 2022-01-01T15:02:15+0700"
));

curl_setopt($ch, CURLOPT_USERPWD, $secret_key.":");

$response = curl_exec($ch);
curl_close($ch);

var_dump($response);

curl https://bigflip.id/api/v2/special-disbursement \
    -X POST \
    -u <secret_key>: \
    -d account_number="1122333300" \
    -d bank_code="bni" \
    -d amount="10000" \
    -d remark="some remark" \
    -d recipient_city="391" \
    -d sender_country="100252" \
    -d sender_place_of_birth="391",
    -d sender_date_of_birth="1992-01-01" \
    -d sender_identity_type="nat_id" \
    -d sender_name="John Doe" \
    -d sender_address="Some Address Street 123" \
    -d sender_identity_number="123456789" \
    -d sender_job="entrepreneur" \
    -d direction="DOMESTIC_SPECIAL_TRANSFER"

POST https://bigflip.id/api/v2/special-disbursement

Attribute	Description
`Content-Type`	`string (required)` Request content type: `application/x-www-form-urlencoded`.
`idempotency-key`	`string (required)` Idempotency key. Please see more detail on Idempotent Request section.
`X-TIMESTAMP`	`string (optional)` Request timestamp. The format will follow the ISO8601 format.

Body

Attribute	Description
`account_number`	`string (required)` The account number of the recipient
`bank_code`	`string (required)` Bank code of the recipient bank. Accepted value are listed above
`amount`	`integer (required)` The amount of money to be disbursed
`remark`	`string (optional)` Remark to be included in the transfer made to the recipient. Usually will appear as `berita transfer` or `remark` in the transfer receipt. Max length for this attribute is 18 character with only letters, numbers, spaces, `.`, `-`, `/`, `(`, and `)` allowed. Only for disbursement with the bank code being `bri`, the remark will be prepended with the beneficiary name. Example: `tes remark` will be `john doe test remark`
`recipient_city`	`integer (optional)` City code of the recipient city. Available value can be retrieved from city list. Default value is `394`.
`sender_country`	`integer (required)` Country code of the sender’s residence. Available value can be retrieved from country list
`sender_place_of_birth`	`integer (optional)` City/country code of the sender’s place of birth. Use city code if the sender’s place of birth is in Indonesia, and country code if outside Indonesia. Available value can be retrieved from city/country list
`sender_date_of_birth`	`string/date (optional)` Sender’s date of birth with `YYYY-MM-DD` format
`sender_identity_type`	`string (optional)` Sender’s ID type. Accepted value are: `nat_id` National Id Card or KTP in Indonesia `drv_lic` Driving license `passport` `bank_acc` Bank Account (`DEFAULT`)
`sender_name`	`string (required)` The name of the user of the Money Transfer Company that act as a sender
`sender_address`	`string (required)` Sender’s address
`sender_identity_number`	`string (optional)` Sender’s ID number. Default value is from attribute `account_number`
`sender_job`	`string (required)` Sender’s job. Accepted values are: `housewife` `entrepreneur` `private_employee` `government_employee` `foundation_board` People who work at foundation as an employee `indonesian_migrant_worker` Also known as TKI `company` If sender is a company, not individual `others`
`direction`	`string (required)` The direction of the transaction. Accepted values are: `DOMESTIC_SPECIAL_TRANSFER` When the sender and the recipient are both residing in Indonesia `FOREIGN_INBOUND_SPECIAL_TRANSFER` When the sender are in a foreign country, but the recipient are in Indonesia

Response

Status 200
Content-Type: application/json

{
  "id": 11,
  "user_id": 20,
  "amount": 10000,
  "status": "DONE",
  "reason": "",
  "timestamp": "2017-08-24 21:21:23",
  "bank_code": "bni",
  "account_number": "1122333300",
  "recipient_name": "John Doe",
  "sender_bank": "bri",
  "remark": "some remark",
  "receipt": "someurl.jpg",
  "time_served": "2017-08-25 09:11:35",
  "bundle_id": 0,
  "company_id": 7,
  "recipient_city": 391,
  "created_from": "API",
  "direction": "FOREIGN_INBOUND_SPECIAL_TRANSFER",
  "sender": {
    "sender_name": "John Doe",
    "place_of_birth": 391,
    "date_of_birth": "1992-01-01",
    "address": "Some Address Street 123",
    "sender_identity_type": "nat_id",
    "sender_identity_number": "123456789",
    "sender_country": 100252,
    "job": "entrepreneur"
  },
  "fee": 1000
}

See detailed explanation at the Disbursement object details.

Changelog

Monday, 19 September 2024

Add new failed reasons for Money Transfer: - INTERNAL_ERROR - EXCEED_AMOUNT_LIMIT - DORMANT_ACCOUNT - INVALID_ACCOUNT - INVALID_BILL - INVALID_AMOUNT - PAID_BILL - EXPIRED_BILL

Monday, 5 August 2024

Fixed display EXCEEDED_TRANSACTION_AMOUNT_LIMIT reason list

Wednesday, 23 July 2024

Add Superbank (super_bank) into the Destination Banks
Add additional information on Callback section
Update help center link for Idempotency Key

Wednesday, 19 June 2024

Add settlement datetime to Get Payment and Get All Payment API responses
Add settlement datetime to the Payment Object

Wednesday, 17 April 2024

Add idempotency key error code related in Money Transfer error list

Tuesday, 26 March 2024

Add EXCEEDED_TRANSACTION_AMOUNT_LIMIT to Disbursement API

Tuesday, 05 March 2024

Add the flow chart in Accept Payment title page
Add the VA payment steps for BSI, BNI, BRI, Mandiri, CIMB, Permata, Danamon, and Other Banks
Add the qr_code_data in Bank Account Object
Update the sender_bank_type in constant page
Update the sample code in Create Bill API

Thursday, 15 February 2024

Add Postman Collection section

Tuesday, December 19 2023

Modify Is Maintenance general API

Thursday, November 30 2023

Add btn_syr in bank list

Thursday, October 19 2023

Add International Transfer flow chart

Wednesday, October 4 2023

Update description for CHN in list country

Wednesday, September 27 2023

Add description to country (CHN, LVA, PHL, VNM)

Tuesday, August 21 2023

add new bank:
- bukopin: Wokee/Bukopin

Tuesday, July 25 2023

Update Accept Payment Create Bill
- Remove maximum payment amount
- Add new QRIS Payment method example
- Add new Creating & Displaying QR Image section
Update Accept Payment Edit Bill
- Remove maximum payment amount
Update Accept Payment Get Payment
- Add sender_bank_type
Update Callback section

Monday, July 24 2023

Add new banks code
- resona_perdania: Bank Resona Perdania
- america_na: Bank of America NA
- mizuho: Bank Mizuho Indonesia
- bnp_paribas: BNP Paribas Indonesia
- amar: Bank Amar Indonesia

Thursday, June 8 2023

Add new Disbursement cancelled reason

Thursday, May 4 2023

Add new Agent’s KYC Rejection Reasons

Tuesday, May 2 2023

Add new country India as supported Destination Countries
Update Flow Overview International Transfer

Tuesday, March 28 2023

Add new callback: Bank Status Callback

Friday, March 17 2023

Add new error code: Error List
- 2005: Transfer amount are less than the minimum amount set by the respective Bank
Add deprecated error code section Deprecated Error Code
- 1042: Minimum transfer OVO amount is Rp10.000 - Replaced with 2005
- 1086: Minimum transfer dana amount is Rp20.500 - Replaced with 2005

Tuesday, March 7 2023

Add new API: Create International Transfer B2C/B2B
Update Create International Transfer to be Create International Transfer C2C/C2B
New transaction_type for Get Exchange Rates API, Get Form Data API and Get International Transfer

Wednesday, February 15 2023

Add new error code for Money Transfer
Add info SLA in Bank Account Inquiry

Tuesday, January 24 2023

Add payment steps for BSI VA in create-bill section

Tuesday, January 31 2023

change limit DANA from Rp20.000 to Rp20.500
add error code for COT
- 1088: The beneficiary bank is in severe disturbance
- 1093: - Cannot process transaction because bank is in cut off time
add validation for additional remark in create disbursement

Wednesday, January 25 2023

Update Destination Banks
- Add more Syariah banks to the list
- Sort the table by bank name
Add validation details for APIs:
- Create Disbursement
- Get All Disbursement
- Create Special Disbursement
- Create Disbursement for Agent
- Get Agent Disbursement List
- Create Agent Identity
- Upload Agent Identity Image
- Upload Supporting Document
- Repair Data
- Repair Identity Image
- Repair Identity-Selfie Image
- Get Country, Province, City, District APIs
Changes on API requests:
- Remove nationality from Repair Data API request and response
- New attributes for Upload Supporting Document API: married_card, married_card_selfie, npwp, npwp_selfie, bpjs_kesehatan, bpjs_kesehatan
Update Error List for Agent Verification

Tuesday, January 24 2023

Add payment steps for BSI VA in Create Bill section

Tuesday, December 22 2022

Add error code list 1089 for forbidden to transfer to flip account
Add param rejected_reason_code in Agent KYC

Tuesday, December 6 2022

Add additional countries in International Transfers
- Saudi Arabia
- United Arab Emirates

Friday, December 2 2022

Update Introduction explanation, along with some product overview:
Move Error List section to respective products’ section:
Update “Bank Kaltim” name to “Bank Kaltimtara”

Monday, November 30 2022

Add Permata VA in Destination Bank

Monday, November 28 2022

Update Agent’s KYC Rejection Reasons enumeration

Monday, November 14 2022

Revise Virtual Account description in General Explanation

Tuesday, November 8 2022

New Postman Collection for Flip for Business API

Thursday, November 3 2022

Add Cancelled Transaction Reasons list for International Transaction

Wednesday, October 10 2022

Change Supported Banks to Destination Bank
Add Virtual Accounts to Destination Bank
- BNI VA
- BRI VA
- CIMB VA
- Mandiri VA
- Danamon VA
- Muamalat VA
Seperate Destination Bank table into 3 tables (Bank, VA, e-Wallets)

Wednesday, August 31 2022

Add X-TIMESTAMP header
- Create Disbursement
- Create Special Disbursement
- Create Agent Disbursement
- Create International Transfer

Thursday, August 23 2022

Accept Payment Callback
- Added bill_link_id in attribute on accept payment callback

Thursday, July 21 2022

Accept Payment documentation update:
- Added new bank code list in section “Constant >> Bank Code” for e-wallet and new VA.
- Added wallet_account in attribute account_type on section “Constant >> Bank Account Object”
- Added wallet_account in attribute sender_bank_type on section “Constant >> Bill Payment Object”
- Update payment_url description on “Constant >> Bill Object”.
- Update API Response Create Bill for step 3.
- Add settlement_status attribute in response :
- Get Payment
- Get All Payment
- Update description in Confirm Bill Payment

Friday, July 15 2022

Added new section “Supported Destination Countries” for international transfer
Update International Transfer Sender Object (removing drv_lic and bank_acc for Sender’s identity type)

Wednesday, July 6 2022

Added new payload param inquiry_key in Bank Account Inquiry

Thursday, June 21 2022

Added new country list in international transfer
Added aladin to list of supported bank (domestic)
Added error code 1085

Monday, April 25 2022

Added Agent Money Transfer section, includes
- Create Disbursement for Agent
- Get Agent Disbursement by ID
- Get Agent Disbursement List
Added Agent Verification section
- Create Agent Identity
- Update Agent Identity
- Get Agent Identity
- Upload Agent Identity Image
- Upload Supporting Documents
- KYC Submission
- Repair Identity Image
- Repair Identity-Selfie Image
- Get Country List
- Get Province List
- Get City List
- Get District List
- Enumeration
- Error List
Added Agent Verification callback
Updated error list
Add Legacy section

Wednesday, April 13 2022

Added reason attribute in the response for:
- Disbursement V2
- Disbursement V3
- Special Disbursement V2
- Special Disbursement V3
- Disbursement Callback
- Special Disbursement Callback

Friday, April 1 2022

Added new Bank Inquiry Status: FAILED and CLOSED

Tuesday, March 8 2022

Update Accept Payment
- Create Payment request and response
- Get Bill request and response
- Get All Bills request and response
Add Confirm Bill request and response
Add Constant section

Thursday, February 17 2022

Change Big Flip logo and all copywritings to Flip for Business
Change Disbursement product name to Money Transfer

Thursday, December 23 2021

Update create Disbursement V3 beneficiary_email request and response
Update create Special Disbursement V3 beneficiary_email request and response

Monday, December 20 2021

Update example of Accept Payment callback response

Tuesday, December 7 2021

Add International Transfer API section, it includes
- Get Exchange Rates
- Get Form Data
- Create International Transfer
- Get International Transfer
- Get All International Transfers
Add International Transfer callback
Update error list for the international transfer errors

Tuesday, November 30 2021

Add Accept Payment API section, it includes
- Create Bill
- Edit Bill
- Get One Bill
- Get All Bill
- Get Payment(s) from a Bill
- Get All Payments
Add accept payment callback
Update error list for the accept payment errors

Friday, October 01 2021

Change supported Bank Names:
- from BNI/BNI Syariah to BNI
- from Bank NTB to Bank NTB Syariah
- from Bank Aceh to Bank Aceh Syariah
- from Bank Syariah Mandiri/BSI to BSI (Bank Syariah Indonesia)
- from BTN (Bank Tabungan Negara) to BTN/BTN Syariah

Wednesday, September 22 2021

Update callback timeout info

Tuesday, August 16 2021

Change the production environment base URL to https://bigflip.id/api
- API v2 from https://big.flip.id/api/v2/ to https://bigflip.id/api/v2
- API v3 from https://big.flip.id/api/v3/ to https://bigflip.id/api/v2
- The old base URL for both API v2 and v3 can still be used until it is deprecated (estimated at the end of November 2021).
Change supported Bank Names:
- from Bank Artos Indonesia to Jago/Artos
- from Bank Yudha Bakti to Neo Commerce/Yudha Bhakti
- from Bank Kesejahteraan Ekonomi to Seabank/Bank BKE
- from UOB Indonesia to TMRW/UOB
- from Bank MNC Internasional to Motion/MNC Bank
- from KEB Hana Bank Indonesia to LINE Bank/KEB Hana
- from Bank Royal Indonesia to Blu/BCA Digital
- from Bukopin to Wokee/Bukopin
- from Bank Harda Internasional to Allo Bank/Bank Harda Internasional
- from Bank Agris to Bank IBK Indonesia
- from Bank Syariah Mandiri to Bank Syariah Mandiri/BSI
Remove BRI (Bank Rakyat Indonesia) Syariah (bri_syr) from Supported Banks list

Tuesday, March 23 2021

New Disbursement V3 menu
- Create disbursement
- Get all disbursements
- Get disbursement by IK
- Get disbursement by ID
New Special Disbursement V3 menu
- Create special disbursement
New Postman collections

Wednesday, March 17 2021

Remove doku from supported banks

Thursday, March 04 2021

New styles
More descriptions for request and response
Fix URLs for
- Footer links
- Big Flip API Dashboard
Remove Is Operational

Tuesday, November 10 2020

Change Sandbox 2.0 description

Monday, October 12 2020

Remove OVO and Dana as supported banks
Add Idempotency Key implementation guide

Friday, April 17 2020

Add company as a new option in sender_job for non-individual sender
Add Bank Victoria Syariah and BPD Banten in supported banks

Wednesday, Apr 01 2020

Remove max amount information

Tuesday, March 31 2020

Drop the “required” from recipient city code

Wednesday, March 18 2020

Update attributes sender_identity_type, sender_identity_number, recipient_city, sender_place_of_birth, and sender_date_of_birth in Special Disbursement to be optionals

Friday, February 28 2020

Update OVO availability

Monday, January 27 2020

Update information about sandbox environment

Wednesday, January 22 2020

Add OVO, Dana, and Doku as a bank code

Wednesday, May 5 2019

Fix special disbursement url in sample code

Wednesday, February 20 2019

Change WRONG_ACCOUNT_NUMBER to CANCELLED in sandbox env description

Friday, February 8 2019

Change sample price on /general/banks endpoint

Sunday, January 13 2018

Update operational time
Remove information about race condition

Wednesday, August 29 2018

Update bank availability info

Monday, May 28 2018

Add information about changed remark when disbursing to bri

Wednesday, April 18 2018

Change remark from required to optional

Monday, January 15 2018

Update idempotency key behavior

Wednesday, December 6 2017

Update bank availability info

Monday, November 20 2017

Change sender attribute name for improved readability

Thursday, November 9 2017

Add idempotency-key header

Wednesday, October 25 2017

Add list of newly supported banks

Wednesday, October 18 2017

Change country list to English

Wednesday, September 13 2017

Add remaining endpoint
Remove leading zeroes removal information, as it cause another problem

Wednesday, August 9 2017

Add leading zeroes removal information

Monday, July 17 2017

Initial commit

Introduction

General Explanation

Destination Bank

Authentication

Signature

General Response

Unauthorized

Not Found

Environment

Sandbox

Production

Postman Collection

General

Get Balance

Request

Response

Get Bank Info

Request

Response

Is Maintenance

Request

Response

Bank Account Inquiry

Request

Response

Idempotent Request

Money Transfer

Create Disbursement

Request

Header

Body

Response

Get All Disbursements

Request

Response

Disbursement Object

Sender Object

Get Disbursement by Idempotency Key

Request

Response

Get Disbursement by ID

Request

Response

Error List

Deprecated Error Code

Special Money Transfer

Create Special Disbursement

Request

Header

Body

Response

City List

Request

Response

Country List

Request

Response

City and Country List

Request

Response

Error List

Agent Money Transfer

Create Disbursement for Agent

Request

Header

Body

Response

Get Agent Disbursement by ID

Request

Response

Get Agent Disbursement List

Request

Response

Error List

Agent Verification

Create Agent Identity

Request

Response

Update Agent Identity

Request