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Welcome to OY! We aim to be among the world class financial services and always put our customers first in everything that we do. Armed with receive money (accepting payments) and send money (fund disbursement) products and services, we are ready to help your business achieve higher growth through swift and secure payment infrastructure solutions.

How OY! Can Help

Our Product Suites

Money-Out (Disbursement)

• API Disburse
• Bulk Disbursement

Money-In (Accepting Payments)

• Virtual Account (VA) Aggregator
• Payment Link Page/Invoice

Registration Process

Registration process begins with creating an account. Creating an account is 100% free and enables you to try our product suites in staging/test environment, where you can execute money-in and money-out dummy transactions (without real money movement).

After successfully creating an account, if you are interested to go live (execute real money-in and/or money-out transactions) or integrate with OY!, you are required to upgrade your account by submitting supporting legal documentations.

Creating Account

Follow the steps below to create an account:

1. Register on the OY! dashboard: To create your account, please register here, and complete the form with all the required information.

Please note that your username cannot be changed once the registration form is submitted.

2. Activate your account: Once the registration is submitted, an activation link will be sent to the email registered. Once you are successfully logged in, you will be able to try our product suites in staging/test environment, where you can execute money-in and money-out dummy transactions (without real money movement). If you are ready to proceed to go live or integrate with OY!, refer to the below sections for more information on the steps to upgrade your account.

Once you are successfully logged in, you will be able to try our product suites in staging/test environment, where you can execute money-in and money-out dummy transactions (without real money movement).

If you are ready to proceed to go live or integrate with OY!, refer to the below sections for more information on the steps to upgrade your account.

Upgrading your Account

Follow the steps below to upgrade your account:

1. Request to Upgrade your Account: to access the full version of our products and services, please select “Upgrade Your Account” on the menu at the left side of the OY! dashboard (Production environment) and complete all the required information.

Please note that the receiving bank account information cannot be changed via the OY! dashboard once your upgrade account request is approved for security reasons. Please contact us at partner@oyindonesia.com to change the receiving bank account information.

2. Upload the Required Supporting Documents: Please upload the required supporting documents according to your business type. Documents are only accepted in PDF format and must be less than 10 MB in size each.

• For Individual type of business

• For Corporate (PJSP) type of business

• For Corporate (Non PJSP) type of business
  

After you upload the required supporting documents, you need to choose which products that you want to use.

3. Submit your Request: Click “Submit”, and a new status of “Waiting for Approval” should appear on Home page, indicating that your request has been submitted along with your supporting documents.

This process should take about 1-2 working days. In the event that the status of your request is Resubmit or Rejected, please keep reading below. Otherwise, you are good to go!

Status: Resubmit

Upon reviewing the upgrade request, we might ask for additional documentations. Please follow the steps below:

1. Read our report: A report will be sent to your email regarding the information and documents that will need to be revised or added.

2. Refill out the form: When submitting another request to upgrade your account, please resubmit all your supporting documents. Documents are only accepted in PDF format and must be less than 10 MB in size.

3. Submit your request: Click “Submit & Request to Upgrade”, and a new status of “Upgrade Account Requested” should appear on this page, indicating that your request has been submitted along with your supporting documents.

For further inquiries, please contact us at partner@oyindonesia.com and our representative will get in touch.

Status: Rejected

For further inquiries regarding this review, please contact us at partner@oyindonesia.com and our representative will get in touch.

Required Supporting Documents

Below is the list of documentation to be submitted for an upgrade request:

• For Individual type of business

1. SIUP/Izin Usaha lainnya
2. NPWP Perusahaan

• For Corporate (PJSP) type of business

1. Company’s Nomor Pokok Wajib Pajak (NPWP)
2. Surat Izin Usaha Perdagangan (SIUP)
3. Tanda Daftar Perusahaan (TDP) / Nomor Induk Berusaha (NIB)
4. SK Kemenhukam
5. Legalized Akta Perubahan Terakhir
6. Director’s National ID Card (KTP)
7. Shareholder Structure
8. License from BI/OJK
9. IT Audit Result

• For Corporate (Non PJSP) type of business

1. Company’s Nomor Pokok Wajib Pajak (NPWP)
2. Surat Izin Usaha Perdagangan (SIUP)
3. Tanda Daftar Perusahaan (TDP) / Nomor Induk Berusaha (NIB)
4. SK Kemenhukam
5. Legalized Akta Perubahan Terakhir
6. Director’s National ID Card (KTP)
7. Shareholder Structure

Completion/Go-Live Checklist

Once you're ready to execute real money-in and money-out transactions or integrate with OY!, follow the below check-list to ensure you're all set up:

1. Create an account

2. Upgrade your account by submitting the required documentations

3. Have your upgrade request approved

4. (Required if you want to use our API) Submit your IPs and callback URLs (both for staging and production environment) to your business representative or to partner@oyindonesia.com

5. (Required if you want to use our API) Request your staging and production API Key to our business representative (note: you are not required to upgrade your account to request staging API Key. Upgrade is only required if you want to request Production API Key).

6. (Optional) Perform testing. We recommend that you thoroughly test before going live. We’ve provided a Staging Mode in our dashboard, where you can test transactions to understand how our products work, without using real money. If you are a developer, you can also test your integrations.

7. (Optional) If your company wants to have multiple users: Create additional sub-account users under User Management

OY! Dashboard Tutorial

Login

To be able to login to Dashboard;

1. Make sure the username and password that you input are correct
2. Click 'Request OTP' button and input the OTP in the PIN Authentication field. The OTP will be sent to the email associated with your username.

If you tick the 'Remember this device' option, you are not required to input an OTP when you log back in next time. Hence, point 2 is required only when you login for the first time after you create your account.

Dashboard Analytics

Analytics feature allows you to get some insights about your earning and spending transaction that happened in OY!. With this feature, you can get information about how much money you have spent and how much money you have earned in a time interval. You can see your transaction growth on daily, weekly, or monthly basis. You also can select the time range. You will get some insights about the trend of your business transaction. Therefore, this feature can help you to generate new business decision to grow your business.

• You can select which time granularity and time period you want to see you transaction growth with.
• The increase and decrease indicator will compare your transaction performance from the time period you select vs the previous period.
• If you put your cursor in a line point, the number of transaction volume will be displayed.

User Management

If you have a Super Admin role, you are able to add account for your team members and define the role for them.

These are the following steps to add new users;

1. Login to Dashboard
2. Go to Accounts -> User Management

1. Click the 'Create User' button
2. Fill in the full name, username, email, phone number (optional), and password

1. Choose the role that you want to assign your team member(s) to. You can choose one from the following available role:

• Admin: Has access to all menu, create and approve bulk disbursement and request, view active feature report, manage user list.
• Sub Account (Approver): Has access to approve disbursement and request, and view active feature report.
• Sub Account (Maker): Has access to create disbursement and request, and view active feature report

Aside from adding new users, a Super Admin is also able to edit and delete their existing users through clicking edit/delete button on the User List table.

2-Factor Authentication

To increase the security of your account, you can set up 2-factor Authentication. Currently, the security method that OY provides is through an authenticator app

These are the following steps to set up the 2-factor authentication;

1. Login to Dashboard
2. Go to Accounts -> Authenticator OTP
3. Download Authenticator App in your smartphone (from Play Store/App Store) or PC (you can download an extension for your browser). Examples of the app: Google Authenticator, Microsoft Authenticator, Authy, etc
4. Scan the barcode displayed on your OY Dashboard with your Authenticator App OR enter the setup key displayed next to it on your Authenticator App
5. Please type in the 6-numerical code displayed on your Authenticator App in the 'Authenticator OTP' on OY Dashboard

Top Up

Top up is used to add balance to your OY account.

Here's how you can access the top-up menu on your dashboard;

1. Login to Dashboard.
2. Go to Transaction Report -> Account Statement.
3. Click the 'How To Top Up' button.

There are 2 ways in which you can top up your OY account:

• Top Up via Virtual Account The Virtual Account number information can be found on 'How to Top Up Balance via VA' tab once you click the 'How To Top Up' button. If you choose to top up via VA, the topped up amount will be credited into your account real-time and you do not need to send any manual confirmation to OY

• Manual Top Up via Bank Transfer Aside from Virtual Account, you can also transfer the top up money to OY's giro account. If you choose to top up via this method, you need to perform a manual confirmation in order that your money can be credited into your account.

After you have completed the fund transfer to OY! Indonesia, you need to perform the following steps;

1. Click the 'Manual Top Up Confirmation' tab on the top-up menu

1. Fill in the fields with the following information;

1. Click 'Submit Now'
2. You will receive a receipt of your transaction in your email, stating that your transaction is currently being processed

1. You will receive an email confirming whether your top up is success or failed

Withdrawal

When you want to withdraw, do the following steps:

1. Go to Transaction Report -> Account Statement
2. Click Withdraw
3. Fill in the amount that you want to withdraw

1. Choose your withdrawal type. You can pick one from the following options:

- Instant with admin fee -> This means that your withdrawal will be processed and arrive into your receiving bank real-time. If the amount to be withdrawn is <= IDR 50 million and the receiving banks are BCA, BRI, BNI, Mandiri, Permata, DBS and CIMB Niaga, you can choose this option. You will be charged an admin fee if you choose this option

- Manual -> This means that your withdrawal will be processed up to 2 business days. If the amount to be withdrawn is > IDR 50 million OR the receiving banks are not BCA, BRI, BNI, Mandiri, Permata, DBS or CIMB Niaga, you have to choose this option. You will NOT be charged an admin fee if you choose this option.

Setting Up Auto Withdrawal Process

If you want to set up an Auto Withdrawal periodically, go to Settings -> Auto Withdrawal.

Here's how you can configure the auto withdrawal settings;

Transaction Report - Settlement Report

Settlement Report stores the list of transactions corresponding to payment methods that are not settled on a real-time basis (delayed settlement). For example, if for VA BCA the settlement time is H+2, each new VA BCA transaction performed by your customers will appear on the Settlement Report.

To access the Settlement report;

• Login to Dashboard
• Go to Transaction Report -> Settlement Report

The Settlement Report consists of the following information;

• Total Amount to be Settled Today: This tells you the sum of amount scheduled to be settled to your account statement balance today
• Total Delayed Settlement Amount: This tells you the sum of amount not yet settled to your account statement. (the settlement status is still not SUCCESS)
• The Settlement Transaction List Table

If the Settlement Status of a transaction is still WAITING, it will not yet appear as a row in your Account Statement report and the amount will not yet be added in your Account Statement balance.

If the Settlement Status of a transaction is already SUCCESS, it will appear as a row in your Account Statement report and the amount will be added in your Account Statement balance.

Callback for Delayed Settlement (Non-Real Time Settlement)

If your settlement is non-real time, for every transaction whose payment method is settled H+>0, you will receive two callbacks with details as follows:

1. 1st Callback -> To be sent after your customer successfully executes the transaction. For example, if your customer executes the transaction on 11 May 2021 at 14:00:00, that is also when we send the 1st Callback to you. In the 1st callback, the settlement status is set to WAITING (because it is not yet settled to your Account Statement balance)
2. 2nd Callback -> To be sent after the settlement status is changed from WAITING into SUCCESS. For example, if the settlement status is changed into SUCCESS on 12 May 2021 at 15:00:00, that is also when we send the 2nd Callback to you. In the 2nd callback, the settlement status is SUCCESS

Capability to Export and Filter the Settlement Report

Export: You are able to export/download the settlement report in CSV, PDF, and XLSX.

Filter: You are able to filter the settlement report by transaction date (range), product, payment method, settlement date (range), and settlement status

Notification

You can enable or disable notification settings for disbursement products if you have a super admin or admin role:

1. Login to dashboard https://business.oyindonesia.com/

2. Go to Settings -> Notification

3. Choose whether or not you want notifications enabled or disabled for Bulk, API, or scheduled disbursements. a. Enable Notification: Email notification will be sent for pending, failed and success transactions. b. Disable Success Notification: email notification will only be sent for pending and failed transactions.

4. The email field: allows the user to add, remove, and edit email notification receivers in this column, which can hold up to three email addresses.

5. Click ‘Save Changes’

Multi Account Management

Multi Account Management (Children) is a feature that can help you handle complex relations between entities in your business in the Oy! Dashboard. Please contact our Sales or Account Management if you’re interested to use this feature.
With this feature you will be able to :

1. Have a detailed report on transactions performed by all of children account
2. Distribute balance between the parent account to children account
3. Use child account balance to disburse funds
4. Free admin fee to disburse between related user

Registration & Setup

Prerequisites

• Register an account on the OY! dashboard
• Activate your account through the activation link sent via email
• Upgrade your account
• Upgrade request is approved
• Contact our sales or account manager representatives to enable the feature

How To Use

To properly used Multi Account Management, we required several accounts to be linked together. Each account can be used independently, and each account needs to pass the KYB to be used fully.

A. Link to Child Account

1. For Parent Account

To add a new child as a parent account please 1) Log in to Dashboard with parent credential 2) Go to Child → List of Children

1. Click the “+ Add Child”
2. Fill in the username for the child you wished to connect. You can find your username from the menu Accounts → User Profile in the Username section
3. Click Add and then if the account is found in the system you can confirm by clicking Connect in the confirmation window

After confirming, the request will be sent to the respective account to be accepted

1. For Child Account

To receive a request from a parent company, please 1) Log in to dashboard with child credential 2) Go to Transaction Report → Account Statement

1. Click the “Check All request” button that can be found near the top right corner of the page
2. You will see the incoming request to be the parent account for your account, then you can choose which account is the correct account for the parent by click Accept in the respective account and confirmation window

1. After successfully received the parent request to connect, you will find your parent information near the top right corner of your page, and you are now connected as a parent-child account

B. Topup money to a child account

After having a working parent-child account, you can transfer money to the child account by accessing the menu Children → List of Children 1. Find the account that you wished to top-up 2. Click the “+ Top Up” button 3. Fill in the amount you wish to top-up 4. Click the “Top Up Now” button to proceed 5. You can also do Top Up by transfer to one of the VA provided (see “How to Top Up Balance via VA”

C. Disburse Money using child balance

In Multi Account Management, you will be able to do disbursement using your children account on their behalf. To do this you could

1. Access the Bulk Disbursement menu and clicking on “+ Create Disbursement” button
2. Select your child balance as a source of fund to do disbursement by selecting “My Subsdiary Balance” and choose the appropriate account.
3. After choosing the balance you could proceed to do disbursement just like regular disbursement

D. Create a payment link on behalf of a child account

With this feature, you will be able to accept payment from your users through Payment Link created on behalf of a child account. When your users make a successful transaction, the transaction will be recorded in the Child Account's balance. As a parent, you are equipped with the ability to view the Child Account's balance and transaction list anytime through Children → Children Statement.

The flow will be as follows:

Follow the below steps to create a payment link on behalf of a child account:

Via API

Hit API Create Payment Link and fill in "child_balance" parameter with the username of a child account that you will set as the balance destination for the transaction. When your users make a successful transaction, the transaction will be recorded in the specified Child Account's balance

Via Dashboard

1. Click Payment Link -> One-time (if you want to create a one-time payment link) or Click Payment Link -> Reusable (if you want to create a reusable payment link)
2. Click "Create One-Time Link" (for one-time payment link) or click "Create Reusable Link" (for reusable payment link)
3. You will see a pop-up to proceed with the creation process
4. Fill in "Balance Destination" with "My Balance" (if the balance destination of the transaction is your own) or "Child Balance" (if the balance destination of the transaction is your child's). If you select "Child Balance", you will see a dropdown to select a username of the child account. Only 1 child account is currently allowed to be a balance destination
5. If you select "Child Balance", when your users make a successful transaction, the transaction will be recorded in the specified Child Account's balance.

Preview for one-time payment link

Preview for reusable payment link

Sending Payments

API Disbursement

API disbursement product provides the capability for you to disburse to 100+ banks in Indonesia via OY! at any time. The integration process to use the API disbursement product is straight forward and the details can be checked here.

Key Features

Overbooking OY! can use the funds directly from your Mandiri or CIMB bank accounts for your disbursement needs. You will only need to top up the admin fee needed to execute the disbursements instead of the full amount of your disbursement. Please contact our business representative for further details about this feature. Check Transaction Status and Callback

For all disbursements executed, you will receive notifications regarding your transaction whether it is successful, failed or pending. We also provide an API for you to check the transaction status manually. IP proxy is also available upon request to enhance the security and integrity of the callback you will receive.

Check Balance

You can check your available balance at anytime to ensure that you have sufficient balance to execute a disbursement.

Registration and Set Up

Prerequisites

• Register an account on the OY! dashboard

• Activate your account through the activation link sent via email

• Upgrade your account

• Upgrade request is approved

• Provide IP to be whitelisted and callback link to our business team

• Receive an API Key from us

• Integrate with our API

Testing

Once you successfully create an OY! account, you can immediately simulate disbursement via API. Follow the below steps to test the flow:

1. Create an account
2. Login into the dashboard
3. Change the environment to “staging”
4. Once the environment changed to staging, there will be API key staging available on the bottom left corner of the page
5. Before creating a disbursement transaction, check your available balance through API GET https://api-stg.oyindonesia.com/api/balance
6. Create a disbursement by sending a ‘POST’ request to https://api-stg.oyindonesia.com/api/remit (https://api-stg.oyindonesia.com/api/remit) using your staging API key. Enter the required and optional fields, as referenced in the API reference docs (https://api-docs.oyindonesia.com/#disbursement-fund-disbursement)
7. Fill in the amount, recipient bank, recipient account, and the partner transaction-id
8. To get the status of a disbursement request, you can call the API https://api-stg.oyindonesia.com/api/remit-status, This API also offers the option for callback status under field send_callback
9. If payment is successful or failed, we will send a callback to the registered staging callback URL destination. Callback URL can be registered via our business representative.
10. The API disbursement transactions can be monitored through OY! dashboard from the “Send money - API disbursement” menu.

How to Use

In order to create disbursements, a sufficient available OY! balance is required in the account. More details and instructions about topping up to your OY! account coming soon.

Before you execute a disbursement, you can verify the beneficiary account information from our inquiry endpoint.

Below is an example of the request body for inquiry:

curl -X POST https://partner.oyindonesia.com/api/inquiry 
-H 'content-type: application/json, accept: application/json, x-oy-username:myuser, x-api-key:987654' 
-d '{
    "recipient_bank": "022", 
    "recipient_account": "7823023345"
    }'

It will return an error message if the request is not valid. Otherwise, below is the sample response parameters that will be returned:

{
    "status":{
        "code":"000",
        "message":"Success"
    },
    "recipient_bank":"022",
    "recipient_account":"7823023345",
    "recipient_name":"Budi Budianto Budiman",
    "timestamp":"16-10-2021 09:55:31"
}

Next, send a request body to execute a disbursement request to be sent to our disbursement endpoint.

Below is an example of the request body for the remit:

curl -X POST https://partner.oyindonesia.com/api/remit 
-H 'content-type: application/json, accept: application/json, x-oy-username:myuser, x-api-key:7654321' 
-d '{
    "recipient_bank": "022", 
    "recipient_account": "7823023345", 
    "amount":100000, "note":"Pembayaran Nov IV", 
    "partner_trx_id":"Tx15048563JKFJ", 
    "email" :"budi.s@gmail.com"
    }'

Below is the sample response parameters that will be returned:

{
    "status":{
        "code":"101",
        "message":"Request is Processed"
    },
    "amount":100000,
    "recipient_bank":"022",
    "recipient_account":"7823023345",
    "trx_id":"89718ca8-4db6-40a0-a138-a9e30d82c67d",
    "partner_trx_id":"Tx15048563JKFJ",
    "timestamp":"16-10-2019 10:23:42"
}

An enpoint to check the transaction is also available and can be accessed at anytime.

Below is an example of the request body:

curl -X POST https://partner.oyindonesia.com/api/remit-status 
-H 'content-type: application/json, accept: application/json, x-oy-username:myuser, x-api-key:7654321' 
-d '{
    "partner_trx_id": "1234-asde", 
    "send_callback": "true"
    }'

The above command returns a JSON structured similar like this:

{
  "status":{
    "code":"000",
    "message":"Success"
  },
  "amount":125000,
  "recipient_name":"John Doe",
  "recipient_bank":"008",
  "recipient_account":"1234567890",
  "trx_id":"ABC-456",
  "partner_trx_id":"1234-asde",
  "timestamp":"16-10-2020 10:34:23",
  "created_date": "24-01-2020 06:48:08",
  "last_updated_date": "24-01-2020 06:48:39"
}

A callback with the following information will be sent to the callback endpoint that you can register with us.

Below is an example of the request body:

curl -X POST https://partner.oyindonesia.com/api/remit-status 
-H 'content-type: application/json, accept: application/json, x-oy-username:myuser, x-api-key:7654321' 
-d '{
    "partner_trx_id": "Tx15048563JKFJ"
    }'

Below is the sample response parameters that will be returned:

{
    "status":{
        "code":"000",
        "message":"Success"
    },
    "amount":100000,
    "recipient_name":"Budi Soemitra Nasution",
    "recipient_bank":"022",
    "recipient_account":"7823023345",
    "trx_id":"89718ca8-4db6-40a0-a138-a9e30d82c67d",
    "partner_trx_id":"Tx15048563JKFJ",
    "timestamp":"16-10-2019 10:40:23",
    "created_date": "16-10-2019 10:23:42",
    "last_updated_date": "16-10-2019 10:34:23"
}

You can also check your balance anytime to ensure you have sufficient balance from our endpoint.

Below is an example of a request body to check the balance:

curl -X GET 'https://partner.oyindonesia.com/api/balance' 
-H 'Content-Type: application/json' 
-H 'Accept: application/json' 
-H 'X-OY-Username: janedoe' 
-H 'X-Api-Key: 7654321'

Below is the sample response parameters that will be returned:

{
    "status":{
        "code":"000",
        "message":"Success"
    },
    "balance":100000000.0000,
    "pendingBalance":2000000.0000,
    "availableBalance":98500000.0000,
    "overbookingBalance":98500000.0000,
    "timestamp":"10-12-2019 12:15:37"
}

Lastly, all transactions can be monitored from the OY! dashboard which includes all the transaction details.

For further details on the parameters definition and proper usage, please refer to our API Documentation.

Bulk Disbursement

Our Bulk disbursement product provides the capability to execute disbursements to multiple beneficiaries with a single xlsx or csv file upload ("Campaign") up to 25,000 transactions. Bulk disbursement is made through the OY! dashboard, where details regarding the disbursement campaign can be found. No technical integration is required to use this product.

Key Features

Overbooking OY! can use the funds directly from your Mandiri or CIMB bank accounts for your disbursement needs. You will only need to top up the admin fee needed to execute the disbursements instead of the full amount of your disbursement. Please contact our business representative for further details about this feature.

Account Management

When you first create an account, your account will be assigned as a Super Admin role. As a Super Admin, you have the ability to create new sub-accounts and assign different roles to your team such as Admin, Maker and Approver that are applicable for bulk disbursement. The Super Admin and Admin can also edit or delete created sub-accounts.

Note: it is not necessary to create new sub-accounts in order to use bulk disbursement. The Super Admin and Admin roles allows you to directly create and approve bulk disbursements.

Detailed step-by-step instructions on setting up user management and the different role types coming soon.

Multi-Layer Approval

Multi-layer Approval will improve your control over your bulk disburse transaction especially for big amount of money. You can setup up to 3 layers of approver before the transaction instruction is executed. By assigning proper approver and amount limitation, you can avoid a huge trouble on your business operational caused by incorrect transfer amount.

Overall Campaign Summary

Keep track of all the details of the entire campaign such as the total amount of disbursement, total number of transactions, and the maker and approver related information of a campaign.

Transaction Details

Itemized details of each individual transaction, including their respective statuses: success, pending, or failed.

Registration and Set Up

Prerequisites

• Register an account on the OY! dashboard

• Activate your account through the activation link sent via email

• Upgrade your account

• Upgrade request is approved

Testing

1. Log on your OY! dashboard
2. Choose "Staging" environment
3. Click "Send Money" menu, and choose "Bulk disbursement"
4. Click "Create Disbursement"
5. Fill in the necessary details by following the steps explained in the “How to Use” section

How to Use

In order to create disbursement campaigns, a sufficient available OY! balance is required in the account. If there is an insufficient available balance in the account, campaigns can still be created but not approved.

1. Create Disbursement: On the OY! dashboard, navigate to Send Payments > Bulk Disburse on your left menu bar. Click “Create Disbursement” on the far righthand side of that page to create a new bulk disbursement campaign.

2. Create Campaign Details: Fill in the campaign details with 2 options:

a. upload an xlsx or csv file

Please upload an xlsx or csv file with each individual transaction’s details of your bulk disbursement campaign. An example template for both file types are available for download on the OY! dashboard. The following list of items are required in your CSV file.

b. add disbursement detail manually. : choose ‘add disbursement detail manually’ and fill out a campaign name and campaign description in the provided spaces. These details are strictly used as your tracking information only and will not be shared to the transaction recipients.

c. [Staging only] You can replicate failed status on individual transaction within the campaign by fill in Bank Account Number value with 3000000. Another value will be processed normally.

3. Re-verify all the Information and Submit: Once your xlsx or csv file is uploaded or filled out manually, you can verify all of the information uploaded from the file from the table displayed. If there is any incorrect submission such as invalid entry due to special characters, a red box will appear to highlight the entry that should be corrected. Issues must be resolved before a campaign can be submitted

4. Validate Name Matching After all the issue has been resolved, user able to click submit and there will be popup shown to validate each recipient name *with their *Bank Account Name as shown below:

if you choose YES: if there is a name difference, a popup name validation with details of mismatched transactions will be displayed. if the information inputted is invalid, you could edit the information and choose the ‘ validate’ button to revalidate the data, or you could click the ‘ignore mismatch’ button to ignore the name matching validation and to process the disbursement.

If there is no issue with the details uploaded, a validate and submit button will be available at the bottom of the list of transactions, indicating that all information is valid. Click “Submit” to complete creating the bulk disbursement campaign.

5. Approve/Cancel Campaign*: Once the bulk disbursement campaign is created, a new status of waiting approval will appear. Approve the campaign by clicking the “Approve” button. If you want to cancel a campaign, click the “...” button and select “Cancel”.

Once the bulk disbursement campaign is approved, details regarding the campaign can no long er be changed. This includes changes made to individual transactions and their respective recipient information.

The balances will also immediately reflect changes. For more information about the different types of balances, click here. You will also receive an email with the campaign information summary (“Outgoing Transfer Alert”) when transactions are executed.

Note: - Depend on the approval layer that you configured, this transaction should be approved by all layer before it can be executed by the system.

• Multiple campaigns can be approved at a time as long as there is sufficient available balance to complete campaigns that have already been approved but are still in queue to be processed.

6. Keep Track of Campaign Details*: To check the details of the bulk disbursement campaign, click on the campaign name to find the campaign summary and its recipient list. Keep track of the both the overall campaign status and the status of individual transactions through the page.

7. Status: In-Progress, Finish, and Cancel*: Congratulations! You just made your first bulk disbursement with OY! Below are a list of statuses you will find on the OY! dashboard.

In-Progress

As your individual disbursements are executed, the status of your bulk disbursement campaign will indicate an in-progress status.

Incomplete

The status of your bulk disbursement will change to incomplete once all of the listed transactions have been executed and the relevant final statuses of Failed or partially Failed have been assigned.

Finish

Once all of the listed transactions have been completed and the final status of success for all transactions has been achieved, the status of your bulk disbursement campaign will change to Finish. The recipients should have all received an email detailing an “Incoming Transfer Alert.” You can also download a report of the campaign details directly through the OY! dashboard.

Cancel

If you choose not to approve your disbursement campaign, the status of your bulk disbursement campaign will indicate a cancelled status.

You can also double check each of your transactions by navigating to the account statement page on the OY! dashboard.

Claim Fund

Claim Fund product enable you to do disbursement without knowing your recipient bank account at first. You will simply create a link for them to fill-out bank account information and the payment will be processed by our system. This feature will remove you from the hassle of collecting your customer information manually then doing multiple bank transfer. Best use of this feature is : refunds, reimbursement claim, any disburse transaction in which the destination is not your regular partner.

At the moment, Claim Fund product is available only on OY! Business Dashboard.

Transaction Flow

Use Case

1. Refund for purchase transaction
2. Any money transfer transaction where you don't have recipient bank information

Registration and Set Up

Prerequisites

• Register an account on the OY! dashboard (https://business.oyindonesia.com/register?)
• Activate your account through the activation link sent via email
• Upgrade your account
• Upgrade request is approved

Testing

1. Log on your OY! dashboard
2. Choose "Staging" environment
3. Click "Send Money" menu, and choose "Claim Fund"
4. Click "Create Claim Fund"
5. Fill in the necessary details by following the steps explained in the “How to Use” section

How to Use

In order to execute claim fund transaction successfully, a sufficient available OY! balance is required in the account. However, if there is an insufficient available balance, claim fund transaction can still be created but the approval will failed.

1. Business Dashboard - Create Claim Fund

• Create Claim Fund: On the OY! dashboard, navigate to Send Money > Claim Fund on your left menu bar. Click Create Claim Fund button on the far righthand side of that page to create a new claim fund transaction.

• Please fill-out the information accordingly. Below table is the description of each fields:

• Click Create Claim Fund button to submit the transaction. Your recipient will get notified of this claim fund transaction through email. Transaction link will be attached on this email.

• Successful claim fund transaction will be listed on the claim fund transaction listing with INITIATED status.

• Please be noted that this transaction still need account detail to be filled-out by the recipient.

2. Fund Recipient - Input Account Information

• On the notification email, user click the Ajukan Klaim Dana link to get into claim fund input page.

• User should fill-out the detail information so that OY! system can continue with the approval process.

3. Business Dashboard - Approve Transaction

Transaction need to go through approval process to ensure that the money will be delivered to correct recipient and sufficient amount is available.

• Approve claim fund transaction: On the OY! dashboard, navigate to Send Money > Claim Fund on your left menu bar. Transactions that already have user detail will be marked with WAITING APPROVAL status.

• You can approve the transaction directly from this screen by clicking Approve button, or go to detail transaction to see more information before approve.

• Click approve button to release the transaction to user.

• The transaction is now marked as IN PROGRESS

• Your recipient should get the money delivered to their account immediately.

• In parallel, your customer will also get email notification about successful claim fund transaction.

API Biller

API biller product provides the capability for you to pay the bill products. With 130+ types of billing products, you can provide numerous bill payment options with ease and in real-time. The integration process to use the API biller product is straight forward and the details can be checked here.

Transaction Flow

Key Features

Overbooking OY! can use the funds directly from your Mandiri or CIMB bank accounts for your bill payment needs. Please contact our business representative for further details about this feature.

Check Transaction Status and Callback

For all bill inquiry & bill payment executed, you will receive notifications regarding your transaction whether it is successful, failed or pending. We also provide an API for you to check the transaction status manually. IP proxy is also available upon request to enhance the security and integrity of the callback you will receive.

Check Balance

You can check your available balance at anytime to ensure that you have sufficient balance to execute a bill payment.

Registration and Set Up

Prerequisites

• Register an account on the OY! dashboard

• Activate your account through the activation link sent via email

• Upgrade your account

• Upgrade request is approved

• Provide IP to be whitelisted and callback link to our business team

• Receive an API Key from us

• Integrate with our API

Testing

Once you successfully create an OY! account, you can immediately simulate bill payment via API. Follow the below steps to test the flow:

1. Create an account
2. Login into the dashboard
3. Change the environment to “demo”
4. Once the environment changed to demo, there will be API key demo available on the bottom left corner of the page
5. Before creating a bill payment transaction, check your available balance through API GET https://api-stg.oyindonesia.com/api/balance
6. Request inquiry for the bill you want to pay by sending a ‘POST’ request to https://api-stg.oyindonesia.com/api/v2/bill using your staging API key. Enter the required and optional fields, as referenced in the API reference docs (https://api-docs.oyindonesia.com/#bill-inquiry-biller-api)
7. Fill in the customer-id, product-id, and the partner transaction-id. You will get the detail information about the bill that you want to pay.
8. After successful inquiry, you should do the payment process by sending a ‘POST’ request to https://api-stg.oyindonesia.com/api/v2/bill/payment. Enter the required and optional fields, as referenced in the API reference docs (https://api-docs.oyindonesia.com/#pay-bill-biller-api)
9. To get the status of a bill payment request, you can call the API https://api-stg.oyindonesia.com/api/v2/bill/status
10. If payment is successful or failed, we will send a callback to the registered staging callback URL destination. Callback URL can be registered via our business representative.
11. The API biller transactions can be monitored through OY! dashboard from the “Send money - API biller" menu.

How to Use

In order to create API biller transaction, a sufficient available OY! balance is required in the account. More details and instructions about topping up to your OY! account can you see here https://docs.oyindonesia.com/#top-up-oy-dashboard-tutorial.

Before you execute the bill payment, you have to verify the bill information from our bill inquiry endpoint.

Below is an example of the request body for inquiry:

curl -X POST https://partner.oyindonesia.com/api/v2/bill 
-H 'content-type: application/json, accept: application/json, x-oy-username:myuser, x-api-key:987654' 
-d '{
    "customer_id": "512233308943",
    "product_id": "plnpost",
    "partner_tx_id": "Tx15048563JKFJ"
    }'

It will return an error message if the request is not valid. Otherwise, below is the sample response parameters that will be returned:

{
    "status":{
        "code":"000",
        "message":"Success"
    },
    "data": {
        "tx_id": "a3d87877-e579-4378-844b-c06294fc9564",
        "partner_tx_id": "Tx15048563JKFJ",
        "product_id": "plnpost",
        "customer_id": "512233308943",
        "customer_name": "Plg.,De'mo 512233308943",
        "amount": 282380,
        "additional_data": "{\"customer_id\":\"512233308943\",\"customer_name\":\"Plg.,De'mo 512233308943\",\"admin_fee\":\"2.500\"}"
    }
}

Next, send a request body to execute a bill payment request to be sent to our bill payment endpoint.

Below is an example of the request body for the bill payment:

curl -X POST https://partner.oyindonesia.com/api/v2/bill/payment 
-H 'content-type: application/json, accept: application/json, x-oy-username:myuser, x-api-key:7654321' 
-d '{
    "partner_trx_id":"Tx15048563JKFJ", 
    "note" :"biller transaction test"
    }'

Below is the sample response parameters that will be returned:

{
    "status":{
        "code": "102",
        "message": "Request is In progress"
    },
    "data": {
        "tx_id": "a3d87877-e579-4378-844b-c06294fc9564",
        "partner_tx_id": "Tx15048563JKFJ",
        "product_id": "plnpost",
        "customer_id": "512233308943",
        "customer_name": "Plg.,De'mo 512233308943",
        "amount": 282380,
        "note": "biller transaction test"
    },
}

An endpoint to check the transaction is also available and can be accessed at anytime.

Below is an example of the request body:

curl -X POST https://partner.oyindonesia.com/api/b2/bill/status 
-H 'content-type: application/json, accept: application/json, x-oy-username:myuser, x-api-key:7654321' 
-d '{
    "partner_trx_id": "Tx15048563JKFJ"
    }'

The above command returns a JSON structured similar like this:

{
    "status":{
        "code": "000",
        "message": "Success"
    },
    "data": {
        "tx_id": "a3d87877-e579-4378-844b-c06294fc9564",
        "partner_tx_id": "Tx15048563JKFJ",
        "product_id": "plnpost",
        "customer_id": "512233308943",
        "customer_name": "Plg.,De'mo 512233308943",
        "amount": 282380,
        "additional_data": "\"{\\\"bill_period\\\":\\\"FEB2022\\\",\\\"total_amount\\\":\\\"282.380\\\",\\\"customer_id\\\":\\\"512233308943\\\",\\\"customer_name\\\":\\\"Plg.,De'mo 512233308943\\\",\\\"admin_fee\\\":\\\"2.500\\\",\\\"settlement_date\\\":\\\"09/03/2022 16:49\\\"}\"",
        "status": "SUCCESS"
    },
}

A callback with the following information will be sent to the callback endpoint that you can register with us.

You can also check your balance anytime to ensure you have sufficient balance from our endpoint.

Below is an example of a request body to check the balance:

curl -X GET 'https://partner.oyindonesia.com/api/balance' 
-H 'Content-Type: application/json' 
-H 'Accept: application/json' 
-H 'X-OY-Username: janedoe' 
-H 'X-Api-Key: 7654321'

Below is the sample response parameters that will be returned:

{
    "status":{
        "code":"000",
        "message":"Success"
    },
    "balance":100000000.0000,
    "pendingBalance":2000000.0000,
    "availableBalance":98500000.0000,
    "overbookingBalance":98500000.0000,
    "timestamp":"10-12-2019 12:15:37"
}

Lastly, all transactions can be monitored from the OY! dashboard which includes all the transaction details.

For further details on the parameters definition and proper usage, please refer to our API Documentation.

Account Payable

OY! Account Payable product provides the capability to record, create approval level, and auto payment for invoice payable without hassle. Account Payable is made through the OY! dashboard, so no technical integration is required to use this product.

How to Use Account Payable via Dashboard

You can create new invoice to be paid and set up payment by following this step:

1. Log on to your OY! dashboard
2. Choose "Production" environment
3. Click "Pay Invoice" under Account Payable menu
4. Click "Invoice List"
5. Choose "Create New Invoice"
6. Upload your invoice document to help you easier record the invoice by click "Browse to Upload" or Drag & drop to the invoice area

7. Fill in the necessary details

   Parameter	Description
   Purchase Type	You can choose between purchase order, service fee, bill, subscription fee, and reimbursement
   Invoice Number	The number of the invoice that you get from your vendor/supplier
   Invoice Date	The date of the invoice
   Due Date	Due date of a transaction as mention in invoice. Your approver will be reminder to approved on D-7, D-3, and D-1 from the invoice due date
   PO/PR Number (optional)	The reference PO/PR number from your company to track this invoice
   Note	The note for this invoice
   Vendor	The name of the vendor that this invoice belongs to. You can choose the name of the vendor on the dropdown. To create a new vendor, follow the instruction here
   Product Description	The name and/or description of the product
   Quantity	The quantity of the product
   Price	Unit price of the product
   Total	Total price of the product (Total = Quantity x Price)
   Subtotal	The total price of all the products
   PPn	PPn that should be paid to the vendor. PPn will be calculate from subtotal. You can set up this when create the vendor or edit in 'Vendor Management' menu under Account Payable
   PPh	PPh that should be deduct from the vendor. PPh will be calculate from subtotal.You can set up this when create the vendor or edit in 'Vendor Management' menu under Account Payable
   Total Pay to Vendor	Total amount that will pay to vendor after complete approval
   Reference Documents (Upload document)	The supporting documents that you want to record related to this invoice. Accept PDF files only. Maximum 7 documents (maximum 2.5MB each)

   Note: Maximum 20 rows for line item detail

   Image Account Payable

8. Continue to set up 'Invoice Payment Details'. You can set up the payment to one time payment by choosing 'Full Payment' or multiple times payment by choosing 'Partial Payment'.

   Parameter	Description
   Payment Amount	Amount that will be automatically paid to vendor after approval.
   Due Date	The due date of the payment. The due date cannot do back date or more than due date that set in the first page (record invoice). Notification will be send to approval D-7, D-3, and D-1 if the status is waiting aproval.
   Status	Status of the invoice payment. You can choose Paid' for record intention and this amount will not be paid automatically by system. Choose 'Unpaid' for
   Remaining Amount	Total pay to vendor - subtotal. This amount should be 0 to continue the process.

   Image Payment Page

   

9. Status: Waiting Payment, Partially Paid, Complete and Cancelled Congratulations! You have finish your first invoice payable set up. below is the list of statuses you will find on 'Invoice List'

   Parameter	Description
   Partially Paid	Multi times payment or partially paid that not finish yet. You can click invoice number to find the partial payment details in 'payment transaction' tab
   Waiting Payment	Waiting for approval or balance not enough
   Cancelled	Invoice has been cancelled
   Complete	All payment of the invoice is complete

   List of the Invoice Payable

How to Create, Edit and Inactivate Vendor Data

Add New Vendor for Account Payable

1. Click 'Add' in the 'Vendor' field in the 'Create Payable Invoice' page.
2. Fill in the necessary details
3. Click 'Add Vendor' after complete registration of new vendor

| Not subject of PPh | Tax will not be added upon the subtotal |

| Not subject of PPn | Tax will not be added upon the subtotal | | PPN 10% Exclusive | PPN 10% of the subtotal will be added upon the subtotal of the invoice. For example is subtotal is 10,000, then the PPN will be 10% of the 10,000 = 1,000 | | PPN 10% Inclusive | Tax will not be added upon the subtotal because the subtotal is assumed to be tax inclusive |

Each vendor only have 1 type of PPh setting and 1 type of PPn setting

There will be auto email PPh every 1st day in a month that contain all the PPh from your vendor in the previous month. This report will help company for tax payment & reporting, and generate 'Faktur Pajak' to your vendor.

Create New Vendor

List Of Vendor

Vendor Detail

How to Set Up Invoice Payable Approval

You can set up multi level approval from OY's users. There will be 4 type or user: Super Admin, Admin, Approver, and Maker

Approval Layer Set Up

Approval Layer can be set up using 'User Management' under 'General' menu. When you first create an account, your account will be assigned as a Super Admin role. As a Super Admin, you have the ability to create new sub-accounts and assign different roles to your team such as Admin, Maker and Approver that are applicable for bulk disbursement. The Super Admin and Admin can also edit or delete created sub-accounts. Note: it is not necessary to create new sub-accounts in order to use Account Payable. The Super Admin and Admin roles allows you to directly create and approve Account Payable and also Bulk Disbursement. Detailed step-by-step instructions on setting up user management and the different role types coming soon.

Multi-Layer Approval

Multi-layer Approval will improve your control over your bulk disburse transaction especially for big amount of money. You can setup up to 3 layers of approver before the transaction instruction is executed. By assigning proper approver and amount limitation, you can avoid a huge trouble on your business operational caused by incorrect transfer amount.

Default approval: Super Admin, Admin, and Approval.

Accepting Payments

VA Aggregator

Businesses are struggling to manage hundreds or even thousands of physical bank accounts that are used for different purposes. It causes significant overhead cost in terms of the amount of account maintenance and man hours needed for reporting and reconciliation purposes, combining different information from different accounts.

Virtual Account (VA) is essentially a dummy account that is linked to a physical account and has all the physical account characteristics that enables a much easier reporting and reconciliation process by centralizing the money flow into the physical account. By issuing VAs, you can assign each VA for specific person and/or purposes.

From the example above, it shows how payments made through the VAs are merely pass-throughs for the physical accounts to receive money. Without VAs, the above example might require up to 8 physical accounts from 2 different banks rather than 2 physical accounts from 2 different banks.

OY! API VA Aggregator

Our API VA Aggregator product provides you with the capabilities to create unique Virtual Account (VA) numbers as a bank transfer payment method for your customers while the fund movements take place through OY!'s physical account. It provides you with the capabilities to receive payments from your customers via bank transfer without having each respective bank account across multiple banks.

Our virtual accounts are adjustable according to your needs. We offer options of static or dynamic accounts, single or mutli use accounts, opened or closed amounts, and determinable expiration dates. You can also track all created virtual accounts, incoming payments, and their respective details either through our API callback or the OY! dashboard.

Key Features

1. Create VA number via API - Create VA automatically by integrating your applications with our API VA. For more information, visit our API Docs.

2. Create VA number via Dashboard - Do not have enough resources to integrate with API VA? Do not worry, you can create a VA number easily via OY! Dashboard. No need to write some codes!

3. Support multiple banks - Currently, we support virtual accounts (VA) at 7 banks: BCA, BNI, Mandiri, BRI, Permata, CIMB Niaga, and BTPN

4. Real-time settlement for majority of the banks - Payment into a VA will settle in your OY! dashboard on a real-time basis for the majority of the banks (note: for BCA, the settlement will take place H+2 after payment is made into the VA)

5. Transaction tracking and monitoring capability - You can track all created VA, incoming payments, and their respective details through our API callback or the OY! dashboard. You will receive a callback all incoming transactions.

6. Customizable VA types - You can customize the VA numbers you want to create. Each VA would consist of three categories you can define in the creation process. Refer to the table below for more information on various types of VA:

1. Capability to update VA Attribute that can be updated:
   • amount
   • is_single_use
   • email
   • trx_counter
   • expired_time
   • trx_expired_time
   • username_display

Example:

• A static VA with a closed amount can be updated with a new closed amount hence it can work as a bill to be paid for a particular customer
• A static VA can be updated to a single use so it will be the last payment received from a particular customer
• A dynamic VA with a closed amount is updated to an opened amount so that it can accept payments for any amount

All of the VA information, even after they are updated, is available on the OY! dashboard or via API. Once a VA is updated, the new set of configuration will apply for that VA and the previous configure is overridden and no longer applicable

Use Cases

Registration and Set Up

Follow the below check-list to ensure you're all set up to use our VA Aggregator API service:

1. Create an account
2. Upgrade your account by submitting the required documentations
3. Have your upgrade request approved
4. Set up your receiving bank account information (note: ensure that the receiving bank account information is accurate as it cannot be changed via OY! dashboard for security reasons)
5. Submit your IPs and callback URLs to your business representative or to partner@oyindonesia.com
6. Receive an API Key from us (note: it is required for API authorization purpose)
7. Integrate with our Virtual Account Aggregator API

Testing

Create VA number via API

Once you successfully create an OY! account, you can immediately simulate VA payments via API.

Follow the below steps to test the VA flow:

1. Create an account

2. Send a request to activate API VA Aggregator product and obtain staging API Key to your business representative

3. Create a VA number by sending a ‘POST’ request to https://api-stg.oyindonesia.com/api/generate-static-va using your staging API key. Enter the required and optional fields, as referenced in the API reference docs

4. After VA number is generated, partner can simulate VA payment through your dashboard (in Staging environment) by going to Settings, and choose "VA Callback"

5. Fill in the bank name associated with the generated VA number, the generated VA number, amount, and payment date & time

6. If payment is successful, we will send a callback to the registered staging callback URL destination

7. The payment made to the VA can be monitored through OY! dashboard. Go to "Virtual Account" menu, and choose "Incoming Payment"

Create VA via Dashboard

Once you successfully create an OY! account, you can immediately create VA number and simulate VA payments via Dashboard.

Follow the instruction below:

1. Create an Account.

2. Select ‘Staging’ environment.

3. Click menu Virtual Account, then click ‘Create VA’.

4. In the top right, click ‘Create Virtual Account’ button.

5. You can choose between creating VA by uploading a CSV file (template available) or creating manually one by one.

6. Fill out the requirements: Partner User ID, Partner Transaction ID, Bank Name, VA Name, VA Type, Amount, usage, Usage Limit, VA Expiration Type, VA Expiration Date & Time, Transaction Expiration Date & Time, and Email.

7. Validate and Submit your request.

8. VA number(s) that you created will appear in the Create VA menu.

9. To simulate VA payment and see status changing, tap ‘Send Callback’ button in the right section of the table

How to Use

Send us instructions to generate a new VA number, or create a VA number via dashboard.

Below is an example of a request body to execute your request:

curl --location --request POST https://partner.oyindonesia.com/api/generate-static-va
--header 'content-type: application/json' \
--header 'accept: application/json' \
--header 'x-oy-username: username' \
--header 'x-api-key: apikey' \
-d '{
    "partner_user_id":"51200021",
    "bank_code": "014",
    "amount": 150000,
    "is_open" : false,
    "is_single_use" : false,
    "is_lifetime": false,
    "expiration_time": 5,
    "username_display" : "va name",
    "email": "email@mail.com"
    }'

It will return an error message if the request is not valid. Otherwise, below is the sample response parameters that will be returned:

{
  "id": "12345b1-23be-45670-a123-5ca678f12b3e",
  "status": {
    "code": "000",
    "message": "Success"
  },
  "amount": 15000,
  "va_number": "700707760000000003",
  "bank_code": "014",
  "is_open": false,
  "is_single_use": false,
  "expiration_time": 1582783668175,
  "va_status": "WAITING_PAYMENT",
  "username_display": "va name",
  "trx_expiration_time": 1582783668175,
  "partner_trx_id": "TRX0001"
}

Once a VA is created, its details can be seen and monitored through the OY! dashboard.

• For Create VA via API, an endpoint to check your VA information is also available and can be accessed at any time.
• If you wish to change the details of your VA, you can do so by updating your VA at any time.

Below is an example of the request body:

curl --location --request GET https://partner.oyindonesia.com/api/static-virtual-account/12345b1-23be-45670-a123-5ca678f12b3e
--header 'content-type: application/json' \
--header 'accept: application/json' \
--header 'x-oy-username: username' \
--header 'x-api-key: apikey'

Below is the sample response parameters that will be returned:

{
  "id": "12345b1-23be-45670-a123-5ca678f12b3e",
  "status": {
    "code": "000",
    "message": "Success"
  },
  "amount": 150000.0000,
  "va_number": "700707760000000003",
  "bank_code": "014",
  "is_open": false,
  "is_single_use": false,
  "expiration_time": 1582783668175,
  "va_status": "WAITING_PAYMENT",
  "username_display": "va name",
  "amount_detected": 0,
  "partner_user_id": "123456",
  "trx_expiration_time": 1582783668175,
  "partner_trx_id": "TRX0001"
}

Below is an example of the request body:

curl --location --request PUT https://partner.oyindonesia.com/api/static-virtual-account/12345b1-23be-45670-a123-5ca678f12b3e
--header 'content-type: application/json' \
--header 'accept: application/json' \
--header 'x-oy-username: username' \
--header 'x-api-key: apikey' \
-d '{"is_open" : true,"amount": 50000,"is_single_use" : false,"expiration_time": 30,"username_display" : "va name","bank_code": "014","trx_expiration_time":5,"partner_trx_id":"TRX0001"}'

Below is the sample of response parameters that will be returned:

{
  "id": "12345b1-23be-45670-a123-5ca678f12b3e",
  "status": {
    "code": "000",
    "message": "Success"
  },
  "amount": 50000,
  "va_number": "700707760000000003",
  "bank_code": "014",
  "is_open": true,
  "is_single_use": false,
  "expiration_time": 1582802205412,
  "va_status": "WAITING_PAYMENT",
  "username_display": "va name",
  "partner_user_id": "123456",
  "trx_expiration_time": 1582802205412,
  "partner_trx_id": "TRX0001"
}

All details regarding your created VA and its payments can be monitored directly from the OY! dashboard.

• Additionally, Create VA via API can be retrieved via our API endpoint.

Similarly, all the details regarding incoming transactions can be monitored directly from the OY! dashboard.

• Additionally, Create VA via API can be retrieved via our API endpoint.

For further details regarding OY!'s extensive API VA Aggregator capabilities and endpoints, please refer to the OY! API Documentation.

VA Bank Details

Payment Links/Invoice

Overview Payment Link OY! Payment Link/Invoice is a pre-built payment page that allows your business to easily and securely accept payments online. Currently, our payment link/invoice page supports Credit Card, Debit Card, Bank Transfer, E-Wallet (ShopeePay, DANA, LinkAja, OVO), and QR Code (QRIS) payment methods. You can create payment link/invoice pages through various methods: OY! Dashboard and API.

Creating a payment link/invoice page is free! You will only be charged when you successfully receive a payment made through that checkout/invoice page.

Payment Flow

1. You create payment link/invoice page for your customers
2. Your customers make a payment through the payment link/invoice page
3. OY! detects the payments and notifies you about the payments through sending a callback and/or updating the payment status on your dashboard
4. The payments received will settle in your OY! dashboard

Payment Link Preview

Key Features

Various options of creating payment link/invoice page

1. Creating payment link/invoice page through dashboard

No integration needed

Offer your customers a seamless way to pay and complete payment channels without the need of an integration.

Choose between one-time link and reusable link

One-time link is a link that can only be paid once. Reusable link is a link that can receive multiple payments.

Parameter customization

UI customization

In order to maintain a consistent brand experience for your users, you can customize the look and feel of your payment link in the Dashboard, where you can do the following things;

• Upload a logo
• Choose the button and the theme color of the payment link

Payment Link Delivery by Email and/or WhatsApp

You can choose to send the created link to your users through Email and/or WhatsApp for better payment conversion. If you want to share the payment link to your customer's email, you can define the email parameter in our API. No need for you to send a separate email. If you want to share the payment link through WhatsApp, follow the steps here

Payment Success Notification for your Users

When your users make a successful payment, you can choose to send them a success receipt through Email

2. Creating payment link/invoice page through API

• Seamless integration with your customer's purchase journey You can easily call our API - we will take care of the payment link/invoice link creation and feed it back to you so that you can embed the link in your customer journey.

• Added level of customization

Below are the things that you can customize:

1. Amount (specify the amount and choose between open amount vs closed amount)

2. Admin fee (choose whether the admin fee will be borne by your customers or borne by you)

3. Payment method (choose the payment methods displayed to your customers among Bank Transfer (via Virtual Account), Cards (Credit Card/Debit Card), E-Wallet (ShopeePay, DANA, LinkAja, OVO), and QR Code options. Additionally, you can choose which banks are enabled for Bank Transfer method.)

4. Payment link expiration date

• Static VA for Invoice Payment You can enable a static VA option when using the API specifically assigned to your customer.

• Upload or Create a PDF for your Invoice Billing You can upload an invoice attachment or create an attachment using the OY! PDF templates via our API so you do not need to send a separate email to your customer.

• Payment Link Delivery by Email and/or WhatsApp

You can choose to send the created link to your users through Email and/or WhatsApp for better payment conversion. If you want to share the payment link to your customer's email, you can define the email parameter in our API. No need for you to send a separate email. If you want to share the payment link through WhatsApp, follow the steps here

• Payment Success Notification for your Users

When your users make a successful payment, you can choose to send them a success receipt through Email

Capability to monitor payment link/invoice details on dashboard

Whether you send your user dashboard-generated link, or an API-generated encapsulated link, each of your distributed payment link can be monitored through the OY! Dashboard. We will also send a callback for all incoming payments.

You will be able to see the details of the payment link including, but not limited to, the payment status, creation and expiration dates and times, amount, description, payment details, and payer details. For further convenience, you can also find and filter through your payment link list by creation date, partner transaction ID, or status.

We also provide an API for you to check the transaction status manually.

Support Multi Account Management

With this feature, you will be able to accept payment from your users through Payment Link created on behalf of a child account. When your users make a successful transaction, the transaction will be recorded in the Child Account's balance. As a parent, you are equipped with the ability to view the Child Account's balance and transaction list anytime through Children → Children Statement.

Click here for more information on this feature.

Registration and Set Up

For dashboard-generated links

Follow the below check-list to ensure you're all set up to use the above service:

1. Create an account
2. Upgrade your account by submitting the required documentations
3. Have your upgrade request approved
4. Set up your receiving bank account information (note: ensure that the receiving bank account information is accurate as it cannot be changed via OY! dashboard for security reasons)
5. Once your account is approved, you can start creating Payment Link transactions

For API-generated links

1. Create an account
2. Upgrade your account by submitting the required documentations
3. Have your upgrade request approved
4. Set up your receiving bank account information (note: ensure that the receiving bank account information is accurate as it cannot be changed via OY! dashboard for security reasons)
5. Submit your IPs and callback URLs to your business representative or to partner@oyindonesia.com
6. Receive an API Key from us (note: it is required for API authorization purpose)
7. Integrate with our Payment Link API (https://api-docs.oyindonesia.com/#api-create-payment-checkout)

Testing

Creating dashboard-generated test links

One-time Link

1. Log on your OY! dashboard
2. Choose "Staging" environment
3. Click "Request Money" menu, and choose "Payment Link"
4. Choose "One Time"
5. Click "Create One-Time Payment Link"
6. Fill in the necessary details

One-time Payment Link consists of 3 parameter types: Transaction-related, Customer Detail, and General Payment Link Configuration.

Note: For Payment Link Configuration-related fields (Amount Type, Payment Method, Admin Fee Method, Payment Link Expiration Date), you can choose to save your selected configuration for the future transactions by ticking the "Use this configuration for future transaction(s) option. By saving it, you will no longer need to fill in the fields again the next time you create a payment link.

Reusable Link

1. Log on your OY! dashboard
2. Choose "Staging" environment
3. Click "Request Money" menu, and choose "Payment Link"
4. Choose "Reusable"
5. Click "Create Reusable Link"
6. Fill in the necessary details

Reusable Payment Link consists of 2 parameter types: Transaction-related and General Payment Link Configuration.

Note: For Payment Link Configuration-related fields (Amount Type, Payment Method, Admin Fee Method, Payment Link Expiration Date), you can choose to save your selected configuration for the future transactions by ticking the "Use this configuration for future transaction(s) option. By saving it, you will no longer need to fill in the fields again the next time you create a payment link.

Creating API-generated test links

1. Create an account
2. Send a request to activate API Payment Link product and obtain staging API Key to your business representative
3. Create a payment link by sending a ‘POST’ request to https://api-stg.oyindonesia.com/api/payment-checkout/create-v2. Enter the required and optional fields, as referenced in the API reference docs

Note: The link generated via API will always be a one-time link.

Accessing and monitoring the created test payment links

Whether you create the link through dashboard or API, you can see the details of your link on the OY! Dashboard. The details that can be checked are the created date of the link, amount billed, amount received, expiration date, and status.

Mock Amount Values for Testing

During testing, you can set the transaction amount to a certain mock value to simulate a specific scenario.

How to Use Payment Link via Dashboard

One-time Link

1. Log on your OY! dashboard
2. Choose "Staging" environment
3. Click "Request Money" menu, and choose "Payment Link"
4. Choose "One Time"
5. Click "Create One-Time Link"
6. Fill in the necessary details

One-time Payment Link consists of 3 parameter types: Transaction-related, Customer Detail, and General Payment Link Configuration.

Note: For Payment Link Configuration-related fields (Amount Type, Payment Method, Admin Fee Method, Payment Link Expiration Date), you can choose to save your selected configuration for the future transactions by ticking the "Use this configuration for future transaction(s) option. By saving it, you will no longer need to fill in the fields again the next time you create a payment link.

Reusable Link

1. Log on your OY! dashboard
2. Choose "Staging" environment
3. Click "Request Money" menu, and choose "Payment Link"
4. Choose "Reusable"
5. Click "Create Reusable Link"
6. Fill in the necessary details

Reusable Payment Link consists of 2 parameter types: Transaction-related and General Payment Link Configuration.

Note: For Payment Link Configuration-related fields (Amount Type, Payment Method, Admin Fee Method, Payment Link Expiration Date), you can choose to save your selected configuration for the future transactions by ticking the "Use this configuration for future transaction(s) option. By saving it, you will no longer need to fill in the fields again the next time you create a payment link.

Monitoring the payment link transactions

One-time Link

All of the created links can be monitored through your dashboard (Payment Link List).

The transaction details that you can see are;

Reusable Link

After you successfully create a reusable link, it will become a "Parent" link. The Parent link will appear in the "Created Reusable Link" tab. There, you will see the details of a reusable link you just created.

When you click the hyperlink in the Partner Tx ID, you will be redirected to a page where you can see the transaction details corresponding to that Parent Reusable Link.

The transaction list displayed is the transaction that is linked to a Parent Reusable Link

The transaction details that you can see are;

When your user has opened the parent reusable link and selected a payment method, it will become a "child reusable link" and generate a child transaction ID. The child transaction ID will appear in the "List of All Transactions" tab

The details that you can see are;

How to Use Invoice/Account Receivable via Dashboard

1. Log on your OY! dashboard
2. Choose "Production" environment
3. Click "Create Invoice" under Account Receivable menu
4. Click "Create New Invoice"
5. Fill in the necessary details

Creating a Customer for Account Receivable/Invoice

1. Click dropdown of the "Customer"
2. Click "Add new customer"
3. Fill in Customer ID, Customer Name (mandatory), PIC Name, Customer Phone Number, Tax Type (mandatory), Customer Email, Address.
4. Click save

For Tax Type, the explanation is as follows:

| No tax | Tax will not be added upon the subtotal | | PPN 10% Exclusive | PPN 10% of the subtotal will be added upon the subtotal of the invoice. For example is subtotal is 10,000, then the PPN will be 10% of the 10,000 = 1,000 | | PPN 10% Inclusive | Tax will not be added upon the subtotal because the subtotal is assumed to be tax inclusive |

Amount Customization for Account Receivable/Invoice

We have a feature that allows you to add the price of the subtotal (addition) and/or deduct the price from subtotal. The step is as follows:

1. Click "add column" below the subtotal
2. Choose "addition" or "substraction" from the dropdown
3. Fill in the description
4. Fill in the amount

How to Use Payment Link/Invoice via API

We provide 3 different payment link endpoints depending on your requirements and needs. We provide payment link, invoicing, and recurring invoice.

Send us instructions to generate a payment link.

Below is an example of a request body to execute your request:

curl -X POST \
  https://partner.oyindonesia.com/api/payment-checkout/create-v2 \-H 'cache-control: no-cache' -H 'content-type: application/json' \-H 'X-Api-Key: apikeymu' -H 'X-Oy-Username: yourusername' \-d '{
        "partner_tx_id":"partnerTxId",
        "description":"description",
        "notes":"notes",
        "sender_name":"Sender name",
        "amount":50000,
        "email":"",
        "phone_number":"",
        "is_open":false,
        "step":"input-amount",
        "include_admin_fee":false,
        "list_disabled_payment_methods":"",
        "list_enabled_banks":"",
        "expiration":"2020-08-08 08:09:12"
    }'

Below is the sample response parameters that will be returned:

{
  "success": true,
  "url": "https://pay.oyindonesia.com/id",
  "message": "success",
  "email_status": "PROCESSED",
  "payment_link_id": "id"
}

Send us instructions to generate a payment link invoice link.

Below is an example of a request body to execute your request:

url -X POST \
  https://partner.oyindonesia.com/api/payment-checkout/create-invoice\-H 'cache-control: no-cache' -H 'content-type: application/json' \-H 'X-Api-key: apikeymu' -H 'X-Oy-Username: yourusername' \-d '{
        "partner_tx_id":"partner tx id",
        "description":"desc invoice",
        "notes":"notes satu",
        "sender_name":"Sender Name API",
        "amount":"30000",
        "email":"",
        "phone_number":"",
        "is_open":"true",
        "step":"input-amount",
        "include_admin_fee":false,
        "list_disabled_payment_methods":"",
        "list_enabled_banks":"013",
        "expiration":"2020-07-28 19:15:13",
        "partner_user_id":"partner user id",
          "full_name" : "Raymond",
          "is_va_lifetime": false,
        "attachment": "JVBERi0xLjQKJeLjz9MKMyAwIG9iago8PC9GaWx0ZXIvRmxhdGVEZWNvZGUvTGVuZ3RoIDQ5Nj4+c3RyZWFtCnicrZVdb9MwFIbv/SsOd51EwrHjz0tKhxQk2IciJMS4CG46lbVNyYcE/HqcbNloh5xO8U3OUXJ8Hr/2aweBQkQBQRjhnnZLfpJ5RhIJQhjIluQ8I1eEwYfubVeHMFRnW/LmPQWKkK3I7Cz70dU+lfTN/hnE3ChJY9SPA0U3EPvP1S2ZXXx5Bemnzxfpu/OuGcLtfxp+/ebisp+QH8VkrNjhHJ9QaV23xRKyciKIGuCGjYPmv6cq0idKWuRNEYDlV7VoixAgwcdEXeZVsysqyH5BughA88t6uy3bXQNO3XRbCEq9pKr8sw5gPuXT8zGv7/JNCOeh9mAYMoxQRcyEMJ5KRlEmokkI63lVrSgqi8JEWlsV8ZURkRFMR1pILkVuZcJYCEd69V7vY3eZxYj4GvEkGsaMK5SAMTcauYsKje6aObskUsGWaKr7bPOYHUd7/8XIocZlx9H2DfuSh+Qw2AG4GZLDYMlqmLfHEQIS/XyBaOf++5uoqG213jfrcjfVfAYdi/tY0288noxBrpqpvwoh1AjjslrbqUo6j/kpWdnkG7iZpYvrm7MQmyOe045vBhkhDbFFI6gTz6Jvj9zqCd+frz/5MRMvOvyeBUxGRM3bvIHvRZXvmryGu7Jq901ZhTDJqEweC+xlvkTqX6+ILeYKZW5kc3RyZWFtCmVuZG9iagoxIDAgb2JqCjw8L1RhYnMvUy9Hcm91cDw8L1MvVHJhbnNwYXJlbmN5L1R5cGUvR3JvdXAvQ1MvRGV2aWNlUkdCPj4vQ29udGVudHMgMyAwIFIvVHlwZS9QYWdlL1Jlc291cmNlczw8L0NvbG9yU3BhY2U8PC9DUy9EZXZpY2VSR0I+Pi9Qcm9jU2V0IFsvUERGIC9UZXh0IC9JbWFnZUIgL0ltYWdlQyAvSW1hZ2VJXS9Gb250PDwvRjEgMiAwIFI+Pj4+L1BhcmVudCA0IDAgUi9Sb3RhdGUgOTAvTWVkaWFCb3hbMCAwIDU5NSA4NDJdPj4KZW5kb2JqCjUgMCBvYmoKWzEgMCBSL1hZWiAwIDYwNSAwXQplbmRvYmoKMiAwIG9iago8PC9TdWJ0eXBlL1R5cGUxL1R5cGUvRm9udC9CYXNlRm9udC9IZWx2ZXRpY2EvRW5jb2RpbmcvV2luQW5zaUVuY29kaW5nPj4KZW5kb2JqCjQgMCBvYmoKPDwvS2lkc1sxIDAgUl0vVHlwZS9QYWdlcy9Db3VudCAxL0lUWFQoMi4xLjcpPj4KZW5kb2JqCjYgMCBvYmoKPDwvTmFtZXNbKEpSX1BBR0VfQU5DSE9SXzBfMSkgNSAwIFJdPj4KZW5kb2JqCjcgMCBvYmoKPDwvRGVzdHMgNiAwIFI+PgplbmRvYmoKOCAwIG9iago8PC9OYW1lcyA3IDAgUi9UeXBlL0NhdGFsb2cvUGFnZXMgNCAwIFIvVmlld2VyUHJlZmVyZW5jZXM8PC9QcmludFNjYWxpbmcvQXBwRGVmYXVsdD4+Pj4KZW5kb2JqCjkgMCBvYmoKPDwvTW9kRGF0ZShEOjIwMjAwNzI5MTE1MzE1WikvQ3JlYXRvcihKYXNwZXJSZXBvcnRzIExpYnJhcnkgdmVyc2lvbiBudWxsKS9DcmVhdGlvbkRhdGUoRDoyMDIwMDcyOTExNTMxNVopL1Byb2R1Y2VyKGlUZXh0IDIuMS43IGJ5IDFUM1hUKT4+CmVuZG9iagp4cmVmCjAgMTAKMDAwMDAwMDAwMCA2NTUzNSBmIAowMDAwMDAwNTc4IDAwMDAwIG4gCjAwMDAwMDA4NjQgMDAwMDAgbiAKMDAwMDAwMDAxNSAwMDAwMCBuIAowMDAwMDAwOTUyIDAwMDAwIG4gCjAwMDAwMDA4MjkgMDAwMDAgbiAKMDAwMDAwMTAxNSAwMDAwMCBuIAowMDAwMDAxMDY5IDAwMDAwIG4gCjAwMDAwMDExMDEgMDAwMDAgbiAKMDAwMDAwMTIwNCAwMDAwMCBuIAp0cmFpbGVyCjw8L0luZm8gOSAwIFIvSUQgWzwzZWMyMWUyNjkwNjcxYzViYTliNjUxODNhY2IxOTM3ND48NzZhNzM1MWE1YmY4ZmMxNDNmY2NlZmUwYjRjMzA4MWI+XS9Sb290IDggMCBSL1NpemUgMTA+PgpzdGFydHhyZWYKMTM1OAolJUVPRgo=",
          "invoice_items": [
          {
            "item":"item name",
            "description":"description",
            "quantity": 10,
            "date_of_purchase":"2020-09-20",
            "price_per_item": 33000
          }
        ],
          "attachment": "string base 64 pdf"
    }'

Below is the sample of response parameters that will be returned:

{
  "success": true,
  "url": "https://pay.oyindonesia.com/invoice/id",
  "message": "success",
  "email_status": "PROCESSED",
  "payment_link_id": "id"
}

Send us instructions to generate a recurring payment link invoice link.

Below is an example of a request body to execute your request: coming soon

An endpoint to retrieve and/or re-send the latest callback status of a transaction is also available and can be accessed at anytime.

Below is an example of a request body to execute your request:

curl -X GET 'https://partner.oyindonesia.com/api/payment-checkout/status?partner_tx_id=OY123456&send_callback=false' -H 'x-oy-username:yourusername' -H ' x-api-key:yourapikey'

Below is the sample response parameters that will be returned:

{
  "partner_tx_id": "partner000001",
  "tx_ref_number": "1234567",
  "amount": 15000,
  "sender_name": "Joko Widodo",
  "sender_phone": "+6281111111",
  "sender_note": "Mohon dikirim segera",
  "status": "success",
  "settlement_type": "realtime",
  "sender_bank": "008",
  "payment_method": "DC",
  "va_number": ""
}

An endpoint to check your payment or invoice data is also available and can be accessed at anytime.

Below is an example of a request body to execute your request:

curl -X GET \
  https://partner.oyindonesia.com/api/payment-checkout/{payment_link_id_or_partner_tx_id}\
  -H 'cache-control: no-cache' -H 'content-type: application/json' \
  -H 'X-Api-key: apikeymu' -H 'X-Oy-Username: yourusername'

Below is the sample response parameters that will be returned:

{
  "data": {
    "partnerTxId": "abc10",
    "paymentLinkId": "703e05c0-48e3-47bd-9c22-670941d4d5fe",
    "amount": 15000,
    "username": "justkhals",
    "senderName": "John Doe",
    "senderPhoneNumber": null,
    "senderNotes": null,
    "status": "CREATED",
    "txRefNumber": null,
    "description": "testdesc",
    "isOpen": true,
    "step": "input-amount",
    "notes": "testnote",
    "phoneNumber": "085248395555",
    "email": "maskalgrr@gmail.com",
    "includeAdminFee": false,
    "listDisabledPaymentMethods": "",
    "listEnabledBanks": "008",
    "expirationTime": "2020-08-12 00:00:00",
    "invoiceData": {
      "fullName": "John Dooe",
      "isVaLifetime": false,
      "isScheduled": false,
      "recurringStartDate": null,
      "recurringEndDate": null,
      "recurringFrequency": null,
      "invoiceItems": "[{\"item\": \"AK 47\", \"quantity\": 2000, \"description\": \"Untuk Kemanan Negara\", \"price_per_item\": 2250000, \"date_of_purchase\": 1590969600000}]"
    }
  },
  "message": "return payment checkout data",
  "status": true
}

Lastly, we provide an endpoint to delete your payment or invoice link based on payment_link_id or partner_tx_id. The payment or invoice link must still be active and a payment method must not have been selected.

Below is an example of a request body to execute your request:

curl -X DELETE \
  https://partner.oyindonesia.com/api/payment-checkout/{payment_link_id_or_partner_tx_id}\
  -H 'cache-control: no-cache' -H 'content-type: application/json' \
  -H 'X-Api-key: apikeymu' -H 'X-Oy-Username: yourusername'

Below is the sample of response parameters that will be returned:

{
  "status": true,
  "message": "success delete payment checkout data"
}

Just like the Payment Link via Link, you can access all your payment links and its details from the OY! dashboard. This report will include all payment links generated both via Link and API.

Pop!: Seamless Payment Experience

With Pop!, displaying our payment link page on your front-end web environment is now made easier than ever. Our payment link offers a seamless user experience in a way that can be catered to your UI needs.

Click the button below to see a demonstration and a snippet code on how to display a payment link page in 4 styles/locations: Center, Right, Left, and Slide Right.

Customizing the UI of Payment Link

In order to maintain a consistent brand experience for your users, you can customize the look and feel of your payment link in the Dashboard, where you can do the following things;

• Upload a logo
• Choose the button and the theme color of the payment link

How to customize the UI:

• Log onto business.oyindonesia.com
• Go to Payment Link section in the dashboard
• Click the 'Settings" icon

• You will be redirected to the Settings page

• Input the URL for your logo (If you’re using snipboard.io, the correct URL should be in “https://i.snipboard.io/image.jpg” format. If you’re using imgbb.com, the correct URL should be in “https://i.ibb.co/abcdef/image.jpg” format)

• Select your primary color (you can select from our available color picker tools or you can input the 6 digit #HEX code). This primary color will be the main theme color in your payment link and the color of the text in the header

• Select your secondary color (you can select from our available color picker tools or you can input the 6 digit #HEX code). This secondary color will be the color of CTA button in your payment link and the color of the text outside the header

• Click "Save Changes"

Note:

• By saving the change, the colours will be applied to the payment links previously created (before saving) as well as the payment links created after saving.
• Please create new payment link after you successfully save changes to check the difference

Illustration;

If we pick green (#HEX code #067610) as the primary color and black (#HEX code #000000) as the secondary color, the look and feel will be as follows;

Sending the Created Payment Link through WhatsApp

For better payment conversion, you can send the created link to your users through WhatsApp. The message template is pre-defined by OY. Contact our Business Representative if you'd like to activate this feature.

The flow will be as follows:

Click here for more information on API Send WhatsApp

VA Bank Details

API E-Wallet Aggregator

E-Wallet API allows clients to charge and receive payments directly from top e-wallet issuers. With one integration, they are able to get access to all of OY’s available e-wallets and the upcoming e-wallet integrations.

E-Wallet Product Flow

Key Features

1. Support multiple e-wallets - We support ShopeePay, LinkAja, DANA, and OVO
2. Transaction tracking and monitoring capability - You can track all created e-wallet transactions, incoming payments, and their respective details through our API callback or OY! dashboard. You will receive a callback for all incoming transactions.
3. Check Status capability - We have a Check Status endpoint available for you to regularly check the status of an e-wallet transaction

Registration and Setup

Follow the below check-list to ensure you're all set up to use our E-Wallet API service:

1. Create an account
2. Upgrade your account by submitting the required documentations
3. Have your upgrade request approved
4. Set up your receiving bank account information (note: ensure that the receiving bank account information is accurate as it cannot be changed via OY! dashboard for security reasons)
5. Submit your IPs and callback URLs to your business representative or to partner@oyindonesia.com
6. Receive an API Key from us (note: it is required for API authorization purpose)
7. Integrate with our E-Wallet API

Testing

When you hit Create E-Wallet Transaction endpoint (https://api-docs.oyindonesia.com/#https-request-create-e-wallet-transaction), it will always return the same ewallet_url & success_redirect URL in the response: https://pay-dev.shareitpay.in/aggregate-pay-gate. You cannot simulate payment by clicking this URL.

In order to be able to simulate payment (change the transaction status into Complete), follow the steps below: (Note: the process of simulating payment in Staging environment doesn't involve any forward / redirection to the E-Wallet apps, the scope is just changing the transaction status into Complete.)

1. Create an account
2. Send a request to activate API E-Wallet product and obtain staging API Key to your business representative
3. Create a transaction by sending a ‘POST’ request to https://api-stg.oyindonesia.com/api/e-wallet-aggregator/create-transaction using your staging API key. Enter the required and optional fields, as referenced in the API reference docs (https://api-docs.oyindonesia.com/#api-e-wallet-aggregator)
4. After an E-Wallet transaction is generated, you can simulate an E-Wallet payment through their dashboard (in Staging environment) by going to the "E-Wallet" sidebar, look for the newly created transaction row on the table (should be at the top), then click on the "Pay" button on the very right of that row.
5. Fill in the e-wallet name, the ref number and amount should be prefilled from the transaction in the previous step, then click on "Send Callback"
6. If a payment is successful, we will send a callback to the registered staging callback URL destination
7. The payment made to the e-wallet transaction can be monitored through OY! dashboard, in the "E-Wallet" sidebar

How to Use

We provide 2 endpoints for you to use:

• Create E-Wallet Transaction: Use this API to create an e-wallet transaction for your user
• Check E-Wallet Transaction Status: Use this API to check the status of an e-wallet transaction. We highly recommend that you implement this endpoint.

All details regarding your created e-wallet and its payments can be retrieved via our API endpoint (Check E-Wallet Transaction Status) or can be monitored directly from the OY! dashboard (through the E-Wallet sidebar)

E-Wallet Details

API Payment Routing

Some business have some use cases that require them to receive and disburse the fund. Often times, the operation team is struggling to manage this use case. Limited resource makes it harder to disburse the fund received. Therefore, API Payment Routing is the best solutions to cater this needs. It allows end-to-end process from accepting fund to disburse fund in one flow.

Description about Payment Routing

Payment Routing is an API that combines receive money and disburse money features. It allows you to immediately disburse the money once you receive from your customers. By integrating to this API, you will get the end-to-end solutions for your business needs.

For now, you can use Payment Link or Virtual Account for the receive money part.

Flow

Key Features

1. Accept and disburse money in a real time manner - By integrating to this API, you will get end-to-end solutions from receive to disburse money. All in real time manner. Note : Some payment methods have H+1 or H+2 settlement period. You have to keep some balance to cater the settlement from the payment methods.
2. You can select Payment Link or VA to receive money - See Payment Link or Virtual Account for more information. More channels are coming soon. Note : Payment Routing only allows closed amount type.
3. Transaction tracking and monitoring capability - You can track all payment routing transactions details through our callback or the OY! dashboard. You will receive callbacks two times, once we have succesfully receive money and once we have successfully disburse money.

Use Cases

Below are few examples of Payment Routing usage.

1. Mutual Fund Investment - Accept investment money from users and directly disburse to each custodian banks.
2. Borrower and Lender - Accept money from Lender/Borrower and disburse them directly to Rekening Penampungan Lender/Rekening Penampungan Borrower.
3. Put money directly to Your Business Account- Receive money from your customers/buyers and directly put them to your business bank account in order to secure the money and prevent fraud.

Registration and Setup

Follow the below check-list to ensure you're all set up to use our Payment Routing API service:

1. Create an account
2. Upgrade your account by submitting the required documentations
3. Have your upgrade request approved
4. Set up your receiving bank account information (note: ensure that the receiving bank account information is accurate as it cannot be changed via OY! dashboard for security reasons)
5. Submit your IPs and callback URLs to your business representative or to partner@oyindonesia.com
6. Receive an API Key from us (note: it is required for API authorization purpose)
7. Integrate with our Payment Routing API

Testing

Once you successfully create an OY! account, you can immediately simulate VA payments via API. Follow the below steps to test the Payment Routing flow:

1. Create an account
2. Send a request to activate API Payment Routing product and obtain staging API Key to your business representative
3. Send a ‘POST’ request https://partner.oyindonesia.com/api/payment-routing/create-transaction (https://partner.oyindonesia.com/api/payment-routing/create-transaction) using your staging API key. Enter the required and optional fields, as referenced in the API reference docs (https://api-docs.oyindonesia.com/#create-payment-routing).
4. If you use VA as the payment method, after VA number is generated, you can simulate the payment through your dashboard (in Staging environment) by going to Settings, and choose "VA Callback".
5. If you use Payment Link as the payment method, you can open the link and simulate payment from there.
6. If payment is successful, we will send a callback to the registered staging callback URL destination.
7. You can monitor Payment Routing transaction through OY! Dashboard or call the endpoint API. Go to “Payment Routing” menu to monitor your transactions.

Feature: Resend Callback

Key Features

Retry Callback allows you to resend a callback for your successful transaction to your system. Initially, OY! will send a callback to your system after your transaction status has been converted to success. If your system failed to receive the callback, this feature can help you to retry the callback process. The process can be done in two ways

1. Automated retry callback If on the first try the callback is not successfully received, the system will automatically retry the callback delivery. If that callback still not received by the clients' system, the system will automatically retry until 5 occurence. The interval of the sending process will be detailed in Callback Interval section. If all automated Retry Callback have been sent but still returned failed, system will send email notification to email address that has been set in the configuration.

2. Manual retry callback Beside the automated process, you can manually request a callback.

Registration and Set Up

Follow the instruction below to activate retry callback

1. Login to your account in OY! Dashboard
2. Open “Settings” and choose “Developer Option”. Choose “Callback Configuration”
3. Fill your callback URL in the related product that you want to activate. Make sure the format is right. You can click URL String Validation button to validate the URL format.
4. If you want to activate automated retry callback, check the Enable Automatic Retry Callback and fill in the email. The email will be used to receive a notification if all the automatic callback attempts have been made but still fail
5. Click "Save Changes". The configuration will not able to be saved if the callback URL or/and email format are not valid.

Don't forget to whitelist these IPs in order to be able to receive callback from OY: 54.151.191.85 and 54.179.86.72

If you want to manually resend a callback, you can follow the instruction below

1. Login to your account in OY! Dashboard
2. Open the desired product menu

Payment Link: open "Payment Link" and choose "One Time"/"Reusable" VA Aggregator: open "Virtual Account" menu and choose "Incoming Payment" Ewallet Aggregator: open "E-Wallet" menu

1. If the product is VA Aggregator or Ewallet Aggregator, click "Resend Callback" button in the related transaction
2. If the product product is Payment Link, click 3 dots in the related transaction and click "Resend Callback"

Callback Interval

1st retry: realtime (after the first failed log received) 2nd retry: 1 min (after callback failed log for the 1st retry is received) 3rd retry: 2 mins (after callback failed log for the 2nd retry is received) 4th retry: 13 mins (after callback failed log for the 3rd retry is received) 5th retry: 47 mins (after callback failed log for the 4th retry is received)

If all automated Retry Callback (all the 5 attempts) has been sent but we still get a Failed response from your end, our system will send an automated email notification to the email address that has been set in the configuration earlier

Idempotency Key

To implement automated retry callback, you need to handle the idempotency logic in your system using the below key:

Payment Link - Invoice: tx_ref_number VA: trx_id Ewallet: trx_id OR ref_number

FAQs

API and Bulk Disbursement

What are bank maintenance schedules? Will partners be informed?

Banks often have regular maintenance schedules which differ from one bank to another. These regular maintenance schedules prevent the execution of transactions to the respective recipient bank during the set period of time. To ensure your convenience, we will queue any transaction requests submitted during the maintenance hours and automatically disburse them once the maintenance is over.

What are the amount limits for disbursements?

e-wallet: Since each e-wallet provide limits to the amount each user can hold at a time, disbursements made to e-wallet accounts have their respective limits.

What are the minimum Amount for disbursements?

e-wallet: Since each e-wallet provide limits to the amount each user can hold at a time, disbursements made to e-wallet accounts have their respective limits.

Is there a cut-off time?

No, we are available 24/7 including holidays.

Is there a maximum transaction volume and transaction amount in a day?

There are no daily limits of how many bulk campaigns can be created and executed. There is also no limit to the number of total transactions per disbursement campaign.

How many recipient emails can I send the transaction notification to?

You can send up to 5 emails per transactions with a limit of 255 characters total. For each transaction, simply list out the email recipients.

What are the supported banks for the disbursement products?

We support transactions to 100+ banks in Indonesia. Please refer to the bank codes here when using our disbursement products. (Please note that we currently do not support disbursements to Virtual Accounts.)

Can I specify the "notes" to be reflected in the beneficiary bank account statement?

Yes. However, we only support notes for these 7 banks: BCA, BNI, BRI, CIMB, DBS, Mandiri, and Permata. However, please note that should there arise unexpected difficulties with the connection to these aforementioned banks, our failover system will not be able to support these notes to be reflected in the beneficiary bank account statement.

Will the funds accepted from the API VA Aggregator and Payment Link and Invoice products be readily available for disbursement uses?

Yes. The funds accepted from the API VA Aggregator and Payment Link and Invoice products will be automatically reflected in your OY! balance in real-time, allowing you to use these funds directly for disbursement purposes.

[Bulk Disbursement Specific] What if the recipient name on the xlsx or CSV file is different from the bank account name? What is the phone number used for?

As long as the bank account number is valid and not dormant, the transaction will still be executed.

The name and phone number are visible only to the partner and is used for the partner’s own documentation. The name and phone number listed are not used by OY or sent to the recipient.

[API Disbursement Specific] Are the disbursements performed in real-time?

Yes. Disbursements executed through our API Disbursement are all performed in real-time.

API VA Aggregator

What are the supported banks?

We currently have 6 available banks for our API VA Aggregator. Please refer to the bank codes here.

Is the amount received in realtime?

Yes, all the amount received are in realtime and will be immediately available in your OY! balance.

Payment Link/Invoice

What are the possible payment methods for users? We support payments via bank transfers, credit card, debit card, and QR code from the following:

• Bank Transfer via Virtual Account: BCA, BNI, BRI, CIMB Niaga, Mandiri, Permata Bank.

• Credit Card/Debit Card: VISA, Mastercard

• E-Wallet: ShopeePay

• QR Code: Qris

What are closed and open amounts? What happens when the amount paid by the user is different from the declared amount in the created Payment Links?

A closed amount is a configuration so that the payment link or invoice can only be paid if the actual declared amount is paid. The user will not be able to pay any amount other than the declared amount.

An opened amount is a configuration so that the payment link or invoice can be paid up to the declared amount (or any, if amount is not declared). If the user pays an amount that is different from the declared amount, the payment link will remain active. The payment link will only reflect a completed status when the full amount is paid in total.