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.

Integration steps

Here is the overview of how to integrate with Kredivo :

Obtain payment.url by generating order
Display Kredivo payment page to customer
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

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`

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

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": "sunrise@gmail.com",
      "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": "sunriseb@gmail.com",
      "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": "andreas@email.com"
  },
  "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"
  }
}

Request Body Explanation

Parameter Type Mandatory Description

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

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

API Response

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

Type	Value
HTTP Status	200
Result	SUCCESS

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

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"
    }
}

Response Body Explanation

Parameter Type Mandatory Description

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

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

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.

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

PreviousAkulaku NextIndodana

Last updated 3 months ago

Integration steps

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