Kredivo

DOKU has partenered with various Paylater Providers and one of them is Kredivo to provide Buy Now Pay Later. Learn more about how DOKU can help you integrate with Kredivo here.

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Integration steps

Here is the overview of how to integrate with Kredivo :

1. Obtain payment.url by generating order

2. Display Kredivo payment page to customer

3. Acknowledge payment result

1. Obtain payment.url by generating order

To generate order, you will need to hit this API through your Backend:

API Request

Type	Value
HTTP Method	POST
API endpoint (Sandbox)	https://api-sandbox.doku.com/kredivo-peer-to-peer/v2/generate-order
API endpoint (Production)	https://api.doku.com/kredivo-peer-to-peer/v2/generate-order

Here is the sample of request header to generate order:

Client-Id: MCH-0001-10791114622547
Request-Id: baec7d95-f30a-4b78-b711-6ebe0ccdf50b
Request-Timestamp: 2021-07-07T08:45:42Z
Signature: HMACSHA256=vl9DBTX5KhEiXmnpOD0TSm8PYQknuHPdyHSTSc3W6Ps=

Request Header Explanation

Parameter	Description
Client-Id	Client ID retrieved from DOKU Back Office
Request-Id	Unique random string (max 128 characters) generated from merchant side to protect duplicate request
Request-Timestamp	Timestamp request on UTC time in ISO8601 UTC+0 format. It means to proceed transaction on UTC+7 (WIB), merchant need to subtract time with 7. Ex: to proceed transaction on September 22th 2020 at 08:51:00 WIB, the timestamp should be 2020-09-22T01:51:00Z
Signature	Security parameter that needs to be generated on merchant Backend and placed to the header request to ensure that the request is coming from valid merchant. Please refer to this section to generate the signature

Here is the sample request body to generate order:

{
  "order": {
    "invoice_number": "Test-Devex-002-jesj123",
    "line_items": [
      {
        "name": "AyamA",
        "price": 30000,
        "quantity": 1,
        "id": "1008",
        "type": "ELECTRONIC",
        "url": "https://merchant.com/product_1002/a",
        "image_url": "https://merchant.com/product_1002/image/a",
        "parent_type": "SELLER",
        "parent_id": "SELLER01"
      },
      {
        "name": "AyamB",
        "price": 10000,
        "quantity": 4,
        "id": "1009",
        "type": "ELECTRONIC",
        "url": "https://merchant.com/product_1002/b",
        "image_url": "https://merchant.com/product_1002/image/b",
        "parent_type": "SELLER",
        "parent_id": "SELLER02"
      }
    ],
    "amount": 70000,
    "callback_url": "https://merchant.com/cancel-url",
    "callback_url_cancel": "https://merchant.com/cancel-url"
  },
  "peer_to_peer_info": {
    "expired_time": 60,
    "merchant_unique_reference": "MURQ001-Test-Devex002-jes-123"
  },
  "sellers": [
    {
      "id": "SELLER",
      "name": "Sunrise",
      "email": "[e-mail]",
      "url": "https://onlineshop/seller/sunrise",
      "address": {
        "first_name": "Irfan",
        "last_name": "Sutandro",
        "address": "Jalan Tentara Pelajar no 4",
        "city": "Jakarta Utara",
        "postal_code": "12960",
        "phone": "08123456789",
        "country_code": "IDN"
      }
    },
    {
      "id": "SELLERB",
      "name": "SunriseB",
      "email": "[e-mail]",
      "url": "https://onlineshop/seller/sunriseb",
      "address": {
        "first_name": "IrfanB",
        "last_name": "SutandroB",
        "address": "Jalan Tentara Pelajar no 4B",
        "city": "Jakarta UtaraB",
        "postal_code": "129601",
        "phone": "081234567892902",
        "country_code": "IDN"
      }
    }
  ],
  "customer": {
    "first_name": "andreas",
    "last_name": "dharmawan",
    "phone": "081398154809",
    "email": "[e-mail]"
  },
  "billing_address": {
    "first_name": "andreas",
    "last_name": "dharmawan",
    "address": "Jalan Teknologi Indonesia No. 25",
    "city": "Jakarta",
    "postal_code": "12960",
    "phone": "081513114262",
    "country_code": "IDN"
  },
  "shipping_address": {
    "first_name": "andreas",
    "last_name": "dharmawan",
    "address": "Jalan Teknologi Indonesia No.25",
    "city": "Jakarta",
    "postal_code": "12960",
    "phone": "081513114262",
    "country_code": "IDN"
  },
  "additional_info": {
    "override_notification_url": "https://another.example.com/payments/notifications"
  }
}

Request Body Explanation

Parameter	Type	Mandatory	Description
order.invoice_number	string	Mandatory	Generated by merchant to identify the order and must unique per request Allowed chars: alphabetic, numeric, special chars Max length: 64
order.line_items.name	string	Mandatory	Name of the product item Allowed chars: alphabetic, numeric, special chars Max Length: 255
order.line_items.price	double	Mandatory	Price of the product item. Total price and quantity must be match with the order.amount Allowed chars: numeric Max Length: 12
order.line_items.quantity	integer	Mandatory	Quantity of the product item Allowed chars: numeric Max Length: 4
order.line_items.id	string	Mandatory	Item ID No/SKU number on this transaction (new)
order.line_items.type	string	Mandatory	Type / Category of the item in this transaction.
order.line_items.url	string	Mandatory	URL to the product item on merchant site
order.line_items.image_url	string	Optional	URL to the product item image
order.line_items.parent_type	string	Optional	You can assign the fee to either SELLER or ITEM. If not specified, this will be tied to transaction level
order.line_items.parent_id	string	Optional	This is either the seller Id or item Id
order.amount	double	Mandatory	In IDR currency and without decimal Allowed chars: numeric Max length: 12
order.callback_url	string	Mandatory	Merchant URL that will redirected to after the order completed Allowed chars: alphabetic, numeric, special chars
order.callback_url_cancel	string	Optional	URI that the customer is sent to if the customer chooses to cancel the Kredivo payment before completion Allowed chars: alphabetic, numeric, special chars
peer_to_peer_info.expired_time	number	Optional	Order expiration time in minutes format Allowed chars: numeric Maximum length: 5 Default value: 1440
peer_to_peer_info.merchant_unique_reference	string	Mandatory	Unique reference number generated by merchant, used as order id in acquirer api.
sellers.id	string	Optional	Seller's ID
sellers.name	string	Optional	Seller's name
sellers.email	string	Optional	Seller's email
sellers.url	string	Optional	Seller's URL
sellers.legal_id	string	Optional	Seller's Legal ID ( KTP, SIM or Passport Number)
sellers.address.first_name	string	Optional	Seller's first name
sellers.address.last_name	number	Optional	Seller's last name
sellers.address.address	string	Optional	Seller's address
sellers.address.city	string	Optional	Seller's address city
sellers.address.postal_code	string	Optional	Seller's address postal code.
sellers.address.phone	string	Optional	Seller's phone
sellers.address.country_code	string	Optional	Seller's country code. ISO 3166-1 alpha-3
customer.first_name	string	Mandatory	Customer's first name Allowed chars: alphabetic, numeric, special chars Max Length: 255
customer.last_name	string	Optional	Customer's last name Allowed chars: alphabetic, numeric, special chars Max length: 255
customer.phone	string	Mandatory	Customer phone number. Format: {calling_code}{phone_number}. Example: 6281122334455 Allowed chars: numeric Max Length: 16
customer.email	string	Mandatory	Customer address Allowed chars: alphabetic, numeric, special chars Max Length: 400
billing_address.first_name	string	Optional	Billing address of the customer/shopper. Customer's first name
billing_address.last_name	string	Optional	Billing address of the customer/shopper. Customer's last name
billing_address.address	string	Optional	Billing address of the customer/shopper. Customer's address
billing_address.city	string	Optional	Billing address of the customer/shopper. Customer's city
billing_address.postal_code	string	Optional	Billing address of the customer/shopper. Customer's postal code
billing_address.phone	string	Optional	Billing address of the customer/shopper. Customer's phone
billing_address.country_code	string	Optional	Billing address of the customer/shopper. Customer's country code
shipping_address.first_name	string	Mandatory	Shipping address of the customer/shopper. Shipping is required for goods (excluding ticket/voucher). Customer's first name
shipping_address.last_name	number	Optional	Shipping address of the customer/shopper. Customer's last name
shipping_address.address	string	Mandatory	Shipping address of the customer/shopper. Customer's address
shipping_address.city	number	Mandatory	Shipping address of the customer/shopper. Customer's city
shipping_address.postal_code	string	Mandatory	Shipping address of the customer/shopper. Customer's postal code
shipping_address.phone	number	Mandatory	Shipping address of the customer/shopper. Customer's phone
shipping_address.country_code	string	Mandatory	Shipping address of the customer/shopper. Customer's country code
additional_info.override_notification_url	string	Optional	This parameter is intended to override the configured Notification URL with another URL. Click here for more information.

API Response

After hitting the above API request, DOKU will give the response.

Type	Value
HTTP Status	200
Result	SUCCESS

Client-Id: MCH-0001-10791114622547
Request-Id: baec7d95-f30a-4b78-b711-6ebe0ccdf50b
Response-Timestamp: 2021-07-07T08:45:42Z
Signature: HMACSHA256=9UPUFzOqJc47aJzD9ESOTcWg6TMsg3mqSP+DnUO8ENE=

Response Header Explanation

Parameter	Description
Client-Id	Same as the request
Request-Id	Same as the request
Response-Timestamp	Timestamp Response on UTC with format ISO8601 UTC+0 from DOKU
Signature	Signature generated by DOKU based on the response body

Here is the sample of response body:

{
    "order": {
        "amount": 70000,
        "invoice_number": "Test-Devex-002-jesj123"
    },
    "payment": {
        "status": "PENDING",
        "url": "https://pay-sandbox.kredivo.com/signIn?tk=d8e9f2a5-7abb-4696-9872-963b15c1c937"
    },
    "peer_to_peer_info": {
        "identifier": [
            {
                "value": "05521636616142675MURQ001-Test-Devex002-jes-123",
                "name": "KREDIVO_ORDER_ID"
            }
        ],
        "created_date": "20220328120315",
        "expired_date": "20220328130315",
        "created_date_utc": "2022-03-28T12:03:15Z",
        "expired_date_utc": "2022-03-28T13:03:15Z",
        "merchant_unique_reference": "MURQ001-Test-Devex002-jes-123"
    },
    "additional_info": {
        "override_notification_url": "https://another.example.com/payments/notifications"
    }
}

Response Body Explanation

Parameter	Type	Mandatory	Description
order.invoice_number	string	Mandatory	Same as the request
order.amount	number	Mandatory	Same as the request
payment.status	string	Mandatory	The current payment status Possible value: PENDING: continue redirect the customer to payment.url. FAILED: Retry generate order with different order.invoice_number and payment.merchant_unique_reference
payment.url	string	Optional	Kredivo payment page URL to display for the customer
peer_to_peer_info.identifier	object	Optional	List of transaction identifier that coming from the acquiring. Merchant can save these data for reference
peer_to_peer_info.created_date	string	Conditional	Date time of URL generated with the format of yyyyMMddHHmmss.
peer_to_peer_info.expired_date	string	Conditional	Date time of URL EXPIRED with the format of yyyyMMddHHmmss.
peer_to_peer_info.created_date_utc	string	Conditional	Date time of URL generated with the format of yyyyMMddHHmmss. The generated date uses UTC+7 time.
peer_to_peer_info.expired_date_utc	string	Conditional	Date time of URL will be expired in UTC. Use this to set the expiry order on merchant side
peer_to_peer_info.merchant_unique_reference	string	Conditional	Same as the request
additional_info.override_notification_url	string	Optional	Same as the request

2. Display Kredivo payment page to customer

Once you have the payment.url, you can now display the payment page by redirecting your customer to the Kredivo payment page.

After the customer completed the payment, they will be redirected to the defined order.callback_url that you set on the API request.

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3. Acknowledge payment result

After the payment is being made by your customer, DOKU will send HTTP Notification to your defined Notification URL. Learn how to handle the notification from DOKU:

• Handling DOKU HTTP Notification

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