DOKU Wallet

Integration Steps

Overview of integration process with DOKU Wallet SNAP.

1. Token

   1. B2B

   2. B2B2C

2. Account Creation

3. Verify OTP

4. Account Binding

5. Account Inquiry

6. Account Unbinding

7. Balance Inquiry

8. Transfer Bank Account Inquiry

9. Transfer Bank Account Payment

10. Account Top Up

11. Query Top Up

12. Purchase Web

13. Query Purchase

14. Cancel Purchase

15. Refund Purchase

16. Transaction History List

17. Transaction History Detail

---

1. Token

Before partners can access SNAP API DOKU, a partner must request a B2B / B2B2C token. Token B2B / B2B2C session expired 900s (access token will continue to be used as long as there is activity request API from a partners to DOKU), but when partners request access token B2B / B2B2C more than one element before time limit expired, the latest access token B2B / B2B2C will be processed.

a. Token B2B

Token B2B used all SNAP API DOKU.

POST authorization/v1/access-token/b2b

post

/authorization/v1/access-token/b2b

Header parameters

X-CLIENT-KEYstringrequired

Credential partner from DOKU

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-SIGNATUREstringrequired

Algorithm symmetric signature SHA256withRSA(PrivateKey, StringToSign) SHA256withRSA is used to generate the signature with your Private Key. Generate StringToSign : StringToSign = client_ID+"|"+X-TIMESTAMP

Body

grantTypestringrequired

Example: client_credentials

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/authorization/v1/access-token/b2b' \
  --header 'X-CLIENT-KEY: text' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Content-Type: application/json' \
  --data '{"grantType":"client_credentials"}'

200

200

{
  "responseCode": "2007300",
  "responseMessage": "Successful",
  "accessToken": "eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2NjYxNjU0NTYsIm5iZiI6MTY2NjE2NDU1NiwiaXNzIjoiRE9L VSIsImlhdCI6MTY2NjE2NDU1NiwianRpIjoiNzRmYmEyYzQtODlmZi00YTFhLWI2NWItMWExZTYwMmZmMj NjIiwiY2xpZW50SWQiOiIzMTg5In0.l-Nv7ajrTtscfRpDK2E7HY_8YN46Fb5KJfIoLB5M5fKzjwWfiYBE mx1gHRoilXhV4v-mAoa7ZTHgmIPW5WJHhNBI-5203fPyhvvkyK7ZgglB4rV7s3gzD9BWh8qm109Qj34PH1 IYQZyw02KOiOq3G1Hs_FKtBlcR9me1S_IlF2ar4uENMfL-wt2_rESU3u9lMm85imDfohSHVRANk1IJjONo VktRVBACZVxR1jOgVs-y-LTEkIETxXf7_JQGAfRbc5ezuj_lN8Zl0Vy70ZMGDAlZZwH2CRL9pBZCdpJLlQ 8-b1OWXEd_QXdFZU-jtyBGw5bxRy0wiWxKo5h68i77gA",
  "tokenType": "Bearer",
  "expiresIn": "900",
  "additionalInfo": ""
}

OK

b. Token B2B2C

Token B2B2C is used for all SNAP API DOKU that involve customers for transaction activity.

POST authorization/v1/access-token/b2b2c

post

/authorization/v1/access-token/b2b2c

Header parameters

X-CLIENT-KEYstringrequired

Credential partner from DOKU

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-SIGNATUREstringrequired

Algorithm symmetric signature SHA256withRSA(PrivateKey, StringToSign) SHA256withRSA is used to generate the signature with your Private Key. Generate StringToSign : StringToSign = client_ID+"|"+X-TIMESTAMP

Body

grantTypestringrequired

Example: authorization_code

authCodestringrequired

Example: cfb5de1a-6a40-40e0-8549-0634bcaed8ed

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/authorization/v1/access-token/b2b2c' \
  --header 'X-CLIENT-KEY: text' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Content-Type: application/json' \
  --data '{"grantType":"authorization_code","authCode":"cfb5de1a-6a40-40e0-8549-0634bcaed8ed"}'

200

200

{
  "responseCode": "2007400",
  "responseMessage": "Successful",
  "accessToken": "eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2Njg1MDI4ODMsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IjI5 NjUiLCJhZGRpdGlvbmFsRGF0YSI6IntcImFjY291bnRJZFwiOlwiMTEzMDk2MjY0MlwifSJ9.HA91xn5bL tnp8pytgdQE0wo20yiFdDGfHGSBowm9KyMIdCvk6nrZKJCv3eSB7J7mqJwJ0IvnmU0CJQG2O6adzmNLeqL TXcigmED6b9zVd7A_JQPyg0w-GagP3QnTA0Z859vPgqGZQokRAgSrsmj026V5aFEIbdtyk-C44ESj31nmz D8twtyqWgY0hB7UG_TjL093tWYW3VIK-TZepuzdT24l996CriLjcIkLnSXj6LakkCLkKxG229QHtE6fkeu uTSgCgQWZvMAW3Id9sghqKL0IaFP4wlUfH0AFpPzrB059QT6sHxHQJfNd64FUV_n5jvF7AyQ4zHiImUGXx lKzJg",
  "tokenType": "Bearer",
  "accessTokenExpiryTime": "2022-11-15T16:01:23+07:00",
  "refreshToken": "eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2Njk3OTg4ODMsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IjI5 NjUiLCJhZGRpdGlvbmFsRGF0YSI6IjFiNjRjNGM2LTdhMzYtNGEyMy04OGRiLWRmMzIxMmFkZDg1MCJ9.R o3EzNpe6xUrWggeSOfC4whcdEpVsPXnl6SPrWO63QO7b4nE0azgsCe0lSkJ9wW6KtA42fiHZiXBdZe8PJX L5zthbfdkt1DoZW73WW26uyiZSNZxifWGhURiDhAzbVGTvdAjdDosRQnTgaQhNWfOyKd6ZW0gGuneyfkvX otffNQ5yAKDqDcNxkvr1WFC_gTHL50F6eWIi-uwgwSO_BORk_76zJiJ_iVGmMz6ArZFzN7NgD-xQlko3q_ ivj9ZKh4Awy7SHI5gsfdq4RSLJyy9me-dh5smwj2mniVVbwVeod0DVsNfkgfmF6cBesaz0ufBctx3119LP c-lSQE-65028Q",
  "refreshTokenExpiryTime": "2022-11-30T16:01:23+07:00",
  "additionalInfo": ""
}

OK

2. Account Creation

At this stage is the process for registering a new account, where after a successful registration process the customer will get a DOKU ID that is unique among customers to one another.

POST snap-adapter/b2b/v1.0/registration-account-creation

post

/snap-adapter/b2b/v1.0/registration-account-creation

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Body

partnerReferenceNostringrequired

Example: f1a69bce-41bc-4abd-8c5c-01910574e404

namestringrequired

Example: SNAPaccount11230010

phoneNostringrequired

Example: 81212340010

emailstringrequired

Example: [e-mail]

redirectUrlstringrequired

Example: https://doku.com

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b/v1.0/registration-account-creation' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Content-Type: application/json' \
  --data '{"partnerReferenceNo":"f1a69bce-41bc-4abd-8c5c-01910574e404","name":"SNAPaccount11230010","phoneNo":81212340010,"email":"[e-mail]","redirectUrl":"https://doku.com"}'

200

200

{
  "responseCode": 2000600,
  "responseMessage": "Request has been processed successfully",
  "referenceNo": "d2059e29-aebe-4c60-be56-936f85f230e1",
  "partnerReferenceNo": "f1a69bce-41bc-4abd-8c5c-01910574e404"
}

OK

3. Verify OTP

Partners use API Verify OTP when user input OTP on partner side, this activity is required when we need to validate the account, example on flow journey Account Creation and Account Unbinding.

Notes

1. For Account Creation, partners need to redirect user to Create PIN page, URL (qparamsURL?action=action) from Response Verify OTP

2. Account ID will be info to redirectUrl from request Account Creation, example below : htttp://partnerweb.com/registerdoku/?accountId=1140340010&partnerReferenceNo=f1a69bce-41bc-4abd-8c5c -01910574e404&status=SUCCESS

POST snap-adapter/b2b/v1.0/otp-verification

post

/snap-adapter/b2b/v1.0/otp-verification

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Body

originalPartnerReferenceNostringrequired

Example: Activity ID partners from request AccountCreation

originalReferenceNostringrequired

Example: Activity ID DOKU from respond AccountCreation

otpstringrequired

Example: OTP that user input

additionalInfoobjectrequired

Example: Additional Information

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b/v1.0/otp-verification' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Content-Type: application/json' \
  --data '{"originalPartnerReferenceNo":"Activity ID partners from request AccountCreation","originalReferenceNo":"Activity ID DOKU from respond AccountCreation","otp":"OTP that user input","additionalInfo":"Additional Information"}'

200

200

{
  "responseCode": 2000400,
  "responseMessage": "Request has been processed successfully",
  "originalPartnerReferenceNo": "f139057a-39f6-468d-a9ec-c30987b6752d",
  "originalReferenceNo": "7f153090-68c5-4f4b-8902-ef779340818b",
  "email": "[e-mail]",
  "phoneNo": 857100006,
  "sendOtpFlag": "YES",
  "qparamsURL": "https://sandbox.doku.com/snap-adapter-webview/create-pin",
  "additionalInfo": {
    "deviceId": 12345679237
  },
  "qparams": {
    "token": "eyJhbGciOiJIUzUxMiJ9.eyJyZWRpc19rZXlfaWQiOiJzbmFwLWFkYXB0ZXI6OmFjY291bnQtY3JlYXRpb2 46OmNyZWF0ZS1waW46OjA4NTcxMDAwMDYxMTc1MTAwMDA2IiwiY3JlYXRlZCI6MTY2Njk1MzcxMDY2NiwiZX hwIjoxNjY3MDQwMTEwfQ.bUW2pO5k5OhLva8fn9UC4a3WTSAOpeSiHWlH467XZsC4BtTUBh7wOvaASbMpK99 k52Nc95PlxDMrlheFKlqPyw"
  }
}

OK

4. Account Binding

Account Binding is flow to bind DOKU Wallet accounts to partner for get authCode (B2BB2C / Authorization-Customer for payment purposes)

POST snap-adapter/b2b/v1.0/registration-account-binding

post

/snap-adapter/b2b/v1.0/registration-account-binding

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Body

partnerReferenceNostringrequired

Example: Activity ID from partners

redirectUrlstringrequired

Example: Partner URL when user finish binding

successParamsobjectrequired

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b/v1.0/registration-account-binding' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Content-Type: application/json' \
  --data '{"partnerReferenceNo":"Activity ID from partners","redirectUrl":"Partner URL when user finish binding","successParams":{"accountId":"Account ID of customer from DOKU"}}'

200

200

{
  "responseCode": 2000700,
  "responseMessage": "Request has been processed successfully",
  "referenceNo": "934fbec9-2f65-40e1-b7fa-71e62536b83c",
  "partnerReferenceNo": "478c40b2-e8af-49ed-bd6c-c36aa3a27ef7",
  "linkId": "1669794770461PTWZy7qpYcg",
  "nextAction": "https://sandbox.doku.com/snap-adapter-webview/account-binding?token=eyJhbGciOiJI UzUxMiJ9.eyJyZWRpc19rZXlfaWQiOiJzbmFwLWFkYXB0ZXI6OmFjY291bnQtYmluZGluZzo6YXV0aGVu dGljYXRpb246OjYyODEyMTIzNDAwMTAxMTIwMzQwMDEwLTQ3OGM0MGIyLWU4YWYtNDllZC1iZDZjLWMzN mFhM2EyN2VmNyIsImNyZWF0ZWQiOjE2Njk3OTQ3NzA2ODQsImV4cCI6MTY2OTg4MTE3MH0.j9IzFhlw-g -t861S4f76B_k_jy-E_XvkFX1HxDdxD9V7sz49u7rPbuG8XadlPE7aOSsG7E4QjYGbUZIgH9LcNw&phon eNo=6281*****0010",
  "redirectUrl": "https://dwidobelyu-doku.free.beeceptor.com",
  "userInfo": {
    "publicUserId": 1120340010
  }
}

OK

5. Account Inquiry

POST snap-adapter/b2b/v1.0/registration-account-inquiry

post

/snap-adapter/b2b/v1.0/registration-account-inquiry

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Body

partnerReferenceNostringrequired

Example: Identifier activity ID from partners

additionalInfoobjectrequired

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b/v1.0/registration-account-inquiry' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Content-Type: application/json' \
  --data '{"partnerReferenceNo":"Identifier activity ID from partners","additionalInfo":{"accountId":"Account ID of customer from DOKU ( DOKUID / Phone no / email )"}}'

200

200

{
  "responseCode": 2000800,
  "responseMessage": "Request has been processed successfully",
  "referenceNo": "0987dc7e-a391-420a-887a-425595acaabd\"",
  "partnerReferenceNo": "f314e49a-c2e8-4db1-bbac-335120ea6a73",
  "accountNo": 1508091937,
  "additionalInfo": {
    "linkId": "1669794770461PTWZy7qpY2d",
    "remarks": 3189,
    "authCode": "Y/YkpGWMVp644b4C7GI2V2aPzqjg3RlzSB9euMhRkoXq1rD+hBhc8xy7rfGsWIxQ",
    "merchantId": "Already bound with related merchant"
  }
}

OK

6. Account Unbinding

This is the process when customers want to unbinding their DOKU account from merchants. To complete the unbinding account process OTP must send to API Verify OTP.

POST snap-adapter/b2b/v1.0/registration-account-unbinding

post

/snap-adapter/b2b/v1.0/registration-account-unbinding

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Body

partnerReferenceNostringrequired

Example: Identifier activity ID from partners

linkIdstringrequired

Example: Identifier provided from Account Binding

merchantIdstringrequired

Example: Credential client ID from DOKU

additionalInfoobjectrequired

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b/v1.0/registration-account-unbinding' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Content-Type: application/json' \
  --data '{"partnerReferenceNo":"Identifier activity ID from partners","linkId":"Identifier provided from Account Binding","merchantId":"Credential client ID from DOKU","additionalInfo":{"deviceId":"ID Device user","channel":"Platform user using ( mobile, desktop, etc )","phoneNo":"User phone no"}}'

200

200

{
  "responseCode": 2000900,
  "responseMessage": "Request has been processed successfully",
  "referenceNo": "8f560a36-fc69-407a-9b62-6565d15263b2",
  "partnerReferenceNo": "f68f64b5-842e-4298-87c4-6ee7bd202467",
  "merchantId": 3189,
  "linkId": "SnpFXl9hINuzcA9gxGwgcJk8",
  "unlinkResult": "inProgress",
  "additionalInfo": {
    "channel": "mobilephone",
    "deviceId": 12345679237,
    "phoneNo": 1802100004
  }
}

OK

7. Balance Inquiry

With this API, partners can check for customer balance that has been verified by DOKU, so that partners can equate customer data, between partners and DOKU.

POST snap-adapter/b2b2c/v1.0/balance-inquiry

post

/snap-adapter/b2b2c/v1.0/balance-inquiry

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Authorization-Customerstringrequired

Represents access_token of a request belong customer; string starts with keyword “Bearer ” followed by Token B2B2C

Body

partnerReferenceNostringrequired

Example: Activity ID from partners

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b2c/v1.0/balance-inquiry' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Authorization-Customer: text' \
  --header 'Content-Type: application/json' \
  --data '{"partnerReferenceNo":"Activity ID from partners"}'

200

200

{
  "responseCode": 2001100,
  "responseMessage": "Request has been processed successfully",
  "referenceNo": "9e5bfe5d-6270-4737-ad45-1091f97c8b6d",
  "partnerReferenceNo": "1eb0db4aa2e642208e71e9252428d912",
  "accountNo": 17139626343,
  "name": "John Doe",
  "accountInfo": {
    "balanceType": "Cash",
    "amount": {
      "value": 1095086.98,
      "currency": "IDR"
    }
  }
}

OK

8. Transfer Bank Account Inquiry

This API allows partners to get BANK beneficiary information, so customers can see and confirm the transfer activity

POST snap-adapter/b2b2c/v1.0/emoney/bank-account-inquiry

post

/snap-adapter/b2b2c/v1.0/emoney/bank-account-inquiry

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Authorization-Customerstringrequired

Represents access_token of a request belong customer; string starts with keyword “Bearer ” followed by Token B2B2C

Body

partnerReferenceNostringrequired

Example: partnerReferenceNo

customerNumberstringrequired

Example: customerNumber

beneficiaryAccountNumberstringrequired

Example: beneficiaryAccountNumber

amountobjectrequired

additionalInfoobjectrequired

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b2c/v1.0/emoney/bank-account-inquiry' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Authorization-Customer: text' \
  --header 'Content-Type: application/json' \
  --data '{"partnerReferenceNo":"partnerReferenceNo","customerNumber":"customerNumber","beneficiaryAccountNumber":"beneficiaryAccountNumber","amount":{"value":"text","currency":"text"},"additionalInfo":{"bankCode":"text"}}'

200

200

{
  "responseCode": "text",
  "responseMessage": "text",
  "referenceNo": "text",
  "partnerReferenceNo": "text",
  "beneficiaryAccountNumber": "text",
  "beneficiaryAccountName": "text",
  "beneficiaryBankCode": "text",
  "amount": {
    "value": "text",
    "currency": "text"
  }
}

OK

9. Transfer Bank Account Payment

This API allows partners to trigger transfer balance from account balance to BANK Account

POST snap-adapter/b2b2c/v1.0/emoney/transfer-bank

post

/snap-adapter/b2b2c/v1.0/emoney/transfer-bank

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Authorization-Customerstringrequired

Represents access_token of a request belong customer; string starts with keyword “Bearer ” followed by Token B2B2C

Body

partnerReferenceNostringrequired

Example: partnerReferenceNo

customerNumberstringrequired

Example: customerNumber

accountTypestringrequired

Example: accountType

beneficiaryAccountNumberstringrequired

Example: beneficiaryAccountNumber

beneficiaryBankCodestringrequired

Example: beneficiaryBankCode

amountobjectrequired

additionalInfoobjectrequired

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b2c/v1.0/emoney/transfer-bank' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Authorization-Customer: text' \
  --header 'Content-Type: application/json' \
  --data '{"partnerReferenceNo":"partnerReferenceNo","customerNumber":"customerNumber","accountType":"accountType","beneficiaryAccountNumber":"beneficiaryAccountNumber","beneficiaryBankCode":"beneficiaryBankCode","amount":{"value":"text","currency":"text"},"additionalInfo":{"referenceNo":"text"}}'

200

200

{
  "responseCode": "text",
  "responseMessage": "text",
  "referenceNo": "text",
  "partnerReferenceNo": "text",
  "transactionDate": "text",
  "referenceNumber": "text"
}

OK

10. Account Top Up

This API allows partners to trigger transfer balance from their corporate account balance to DOKU customer Account.

POST snap-adapter/b2b2c/v1.0/emoney/topup

post

/snap-adapter/b2b2c/v1.0/emoney/topup

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Authorization-Customerstringrequired

Represents access_token of a request belong customer; string starts with keyword “Bearer ” followed by Token B2B2C

Body

partnerReferenceNostringrequired

Example: partnerReferenceNo

customerNumberstringrequired

Example: customerNumber

sessionIdstringrequired

Example: sessionId

notesstringrequired

Example: notes

amountobjectrequired

additionalInfoobjectrequired

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b2c/v1.0/emoney/topup' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Authorization-Customer: text' \
  --header 'Content-Type: application/json' \
  --data '{"partnerReferenceNo":"partnerReferenceNo","customerNumber":"customerNumber","sessionId":"sessionId","notes":"notes","amount":{"value":"text","currency":"text"},"additionalInfo":{"deviceId":"text","channel":"text"}}'

200

200

{
  "responseCode": "text",
  "responseMessage": "text",
  "referenceNo": "text",
  "partnerReferenceNo": "text",
  "sessionId": "text",
  "customerNumber": "text"
}

OK

11. Query Top Up

This API allows partners to check status top up.

POST snap-adapter/b2b2c/v1.0/emoney/topup-status

post

/snap-adapter/b2b2c/v1.0/emoney/topup-status

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Authorization-Customerstringrequired

Represents access_token of a request belong customer; string starts with keyword “Bearer ” followed by Token B2B2C

Body

originalPartnerReferenceNostringrequired

Example: originalPartnerReferenceNo

originalReferenceNostring

Example: originalReferenceNo

originalExternalIdstringrequired

Example: originalExternalId

serviceCodestringrequired

Example: serviceCode

additionalInfoobjectrequired

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b2c/v1.0/emoney/topup-status' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Authorization-Customer: text' \
  --header 'Content-Type: application/json' \
  --data '{"originalPartnerReferenceNo":"originalPartnerReferenceNo","originalReferenceNo":"originalReferenceNo","originalExternalId":"originalExternalId","serviceCode":"serviceCode","additionalInfo":{"deviceId":"text","channel":"text"}}'

200

200

{
  "responseCode": "text",
  "responseMessage": "text",
  "originalPartnerReferenceNo": "text",
  "originalReferenceNo": "text",
  "originalExternalId": "text",
  "serviceCode": "text",
  "latestTransactionStatus": "text",
  "transactionStatusDesc": "text",
  "amount": {
    "value": "text",
    "currency": "text"
  },
  "additionalInfo": {
    "deviceId": "text",
    "channel": "text",
    "approvalCode": "text"
  }
}

OK

12. Purchase Web

Partners can provide an online payment facility using PIN authentication that can facilitate customers in making the transaction at any merchant that has been integrated. DOKU will provide a webview payment page to input the PIN and proceed with the payment

POST snap-adapter/b2b2c/v1.0/debit/payment-host-to-host

post

/snap-adapter/b2b2c/v1.0/debit/payment-host-to-host

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Authorization-Customerstringrequired

Represents access_token of a request belong customer; string starts with keyword “Bearer ” followed by Token B2B2C

Body

partnerReferenceNostringrequired

Example: Transaction ID from partners

chargeTokenstringrequired

Example: Default “DOKU”

amountobjectrequired

Example: Detail amount

urlParamobjectrequired

additionalInfoobjectrequired

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b2c/v1.0/debit/payment-host-to-host' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Authorization-Customer: text' \
  --header 'Content-Type: application/json' \
  --data '{"partnerReferenceNo":"Transaction ID from partners","chargeToken":"Default “DOKU”","amount":"Detail amount","urlParam":{"url":"Partner URL when user finish payment","type":"Default “PAY_RETURN”","isDeepLink":"Default “N”","merchantId":"Credential client ID from DOKU"},"additionalInfo":{"basket":"List of basket basket","promoCode":"Promo code from DOKU"}}'

200

200

{
  "responseCode": 2005400,
  "responseMessage": "Request has been processed successfully",
  "ReferenceNo": "c8c73c4635794cdcae7d9fe325251088",
  "PartnerReferenceNo": "c8c73c4635794cdcae7d9fe325251088",
  "webRedirectUrl": "https://sandbox.doku.com/snap-adapter-webview/direct-debit?token=eyJhbGciOiJIUzU xMiJ9.eyJyZWRpc19rZXlfaWQiOiJzbmFwLWFkYXB0ZXI6OmRpcmVjdC1kZWJpdDo6MTQ1NTM0MDAwNC1 jOGM3M2M0NjM1Nzk0Y2RjYWU3ZDlmZTMyNTI1MTA4OCIsImNyZWF0ZWQiOjE2NjkwODc0OTI1MTgsImV4 cCI6MTY2OTE3Mzg5Mn0.wIL92PT2km7rQ0oHWytEVknE0X6URdIJz4f7s-TQ9E3uH4txLGo2a-GMYdh-w acTcXjl252XS87_634ajnM_dg",
  "additionalInfo": {
    "dokuId": 1455340004
  }
}

OK

13. Query Purchase

POST snap-adapter/b2b2c/v1.0/debit/status

post

/snap-adapter/b2b2c/v1.0/debit/status

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Authorization-Customerstringrequired

Represents access_token of a request belong customer; string starts with keyword “Bearer ” followed by Token B2B2C

Body

partnerReferenceNostringrequired

Example: Transaction ID from partners

serviceCodestringrequired

Example: Unique service API “17”

transactionDatestringrequired

Example: Transaction date

amountobjectrequired

Example: Detail amount

additionalInfoobjectrequired

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b2c/v1.0/debit/status' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Authorization-Customer: text' \
  --header 'Content-Type: application/json' \
  --data '{"partnerReferenceNo":"Transaction ID from partners","serviceCode":"Unique service API “17”","transactionDate":"Transaction date","amount":"Detail amount","additionalInfo":{"deviceId":"ID Device user","channel":"Platform user using ( mobile, desktop, etc )"}}'

200

200

{
  "responseCode": 2005500,
  "responseMessage": "Request has been processed successfully",
  "originalReferenceNo": "5b4c663897ff488b9db50f789f0c9079",
  "originalPartnerReferenceNo": "5b4c663897ff488b9db50f789f0c9079",
  "approvalCode": 319955,
  "serviceCode": 17,
  "latestTransactionStatus": 0,
  "transactionStatusDesc": "SUCCESS",
  "originalResponseCode": 2005500,
  "originalResponseMessage": "SUCCESS",
  "paidTime": "2022-11-16T15:13:00+07:00",
  "transAmount": {
    "value": 0,
    "currency": "IDR"
  }
}

OK

14. Cancel Purchase

Partners can cancel the transaction or reverse immediately after successful transaction processing in the DOKU system, it can be used in case of time-out or other problems that occur on the merchant side

POST snap-adapter/b2b2c/v1.0/debit/cancel

post

/snap-adapter/b2b2c/v1.0/debit/cancel

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Authorization-Customerstringrequired

Represents access_token of a request belong customer; string starts with keyword “Bearer ” followed by Token B2B2C

Body

originalPartnerReferenceNostringrequired

Example: Original Transaction ID from partners

reasonstringrequired

Example: Reason cancelation

additionalInfoobjectrequired

Example: Additional Information

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b2c/v1.0/debit/cancel' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Authorization-Customer: text' \
  --header 'Content-Type: application/json' \
  --data '{"originalPartnerReferenceNo":"Original Transaction ID from partners","reason":"Reason cancelation","additionalInfo":"Additional Information"}'

200

200

{
  "responseCode": 2005700,
  "responseMessage": "Request has been processed successfully",
  "OriginalReferenceNo": "inv_pm_20221019143243557",
  "OriginalPartnerReferenceNo": "inv_pm_20221019143243557",
  "cancelTime": "2022-10-18T11:15:07.376472",
  "transactionDate": "2022-10-18T11:11:00"
}

OK

15. Refund Purchase

Partners can request a refund when the transaction has already settled.

POST snap-adapter/b2b2c/v1.0/debit/refund

post

/snap-adapter/b2b2c/v1.0/debit/refund

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Authorization-Customerstringrequired

Represents access_token of a request belong customer; string starts with keyword “Bearer ” followed by Token B2B2C

Body

originalPartnerReferenceNostringrequired

Example: Original Transaction ID from partners

reasonstringrequired

Example: Reason cancelation

partnerRefundNostringrequired

Example: Transaction ID on service consumer system, when for refund payment.

additionalInfoobjectrequired

Example: Additional Information

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b2c/v1.0/debit/refund' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Authorization-Customer: text' \
  --header 'Content-Type: application/json' \
  --data '{"originalPartnerReferenceNo":"Original Transaction ID from partners","reason":"Reason cancelation","partnerRefundNo":"Transaction ID on service consumer system, when for refund payment.","additionalInfo":"Additional Information"}'

200

200

{
  "responseCode": 2005800,
  "responseMessage": "Request has been processed successfully",
  "OriginalReferenceNo": "4f00d3a6819b439580731b7b77dbbf05",
  "OriginalPartnerReferenceNo": "4f00d3a6819b439580731b7b77dbbf05",
  "refundNo": 123456,
  "partnerRefundNo": 123456,
  "refundTime": "2022-11-11T10:02:46+07:00\""
}

OK

16. Transaction History List

This API allows partners to get history from an account with 1 month range time and the oldest transaction is 1 year behind.

POST snap-adapter/b2b2c/v1.0/transaction-history-list

post

/snap-adapter/b2b2c/v1.0/transaction-history-list

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Authorization-Customerstringrequired

Represents access_token of a request belong customer; string starts with keyword “Bearer ” followed by Token B2B2C

Body

partnerReferenceNostringrequired

Example: Activity ID from partners

fromDateTimestringrequired

Example: Starting time range ISO-8601

toDateTimestringrequired

Example: Ending time range ISO-8601

pageSizestringrequired

Example: Maximum number of transaction returned in one pagination Default 10

pageNumberstringrequired

Example: Current page number Default 0

additionalInfoobjectrequired

Example: Additional Information

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b2c/v1.0/transaction-history-list' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Authorization-Customer: text' \
  --header 'Content-Type: application/json' \
  --data '{"partnerReferenceNo":"Activity ID from partners","fromDateTime":"Starting time range ISO-8601","toDateTime":"Ending time range ISO-8601","pageSize":"Maximum number of transaction returned in one pagination Default 10","pageNumber":"Current page number Default 0","additionalInfo":"Additional Information"}'

200

200

{
  "responseCode": 2001200,
  "responseMessage": "Request has been processed successfully",
  "additionalInfo": {
    "refId": "Zqxdxfbs_Bcl1lxCWFjbdA",
    "transactionId": 678354996
  },
  "detailData": {
    "dateTime": "2022-11-11T10:51:42+07:00",
    "remark": "Get Refund From payment with invoice null",
    "status": "SUCCESS",
    "type": "REFUND",
    "amount": {
      "value": 1700.77,
      "currency": "IDR"
    }
  }
}

OK

17. Transaction History Detail

This API allows partners to get transaction details from an account.

POST snap-adapter/b2b2c/v1.0/transaction-history-detail

post

/snap-adapter/b2b2c/v1.0/transaction-history-detail

Header parameters

X-TIMESTAMPstringrequired

Client's current local time in yyyyMMddTHH:mm:ss.SSST ZD format

X-PARTNER-IDstringrequired

Credential client ID from DOKU

X-EXTERNAL-IDstringrequired

Reference number that should be unique in the same day

X-SIGNATUREstringrequired

SHA-512 HMAC is used to generate the signature with your Client Secret. Generate stringToSign : HTTPMethod + ”:“+ EndpointUrl +":"+ B2BAccessToken + ":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":“ + X-TimeStamp

Authorizationstringrequired

Represents access_token of a request, string starts with keyword “Bearer ” followed by Token B2B

Authorization-Customerstringrequired

Represents access_token of a request belong customer; string starts with keyword “Bearer ” followed by Token B2B2C

Body

partnerReferenceNostringrequired

Example: Transaction ID from partners

Responses

application/json

cURL

JavaScript

Python

HTTP

cURL

curl -L \
  --request POST \
  --url 'https://api-sandbox.doku.com/snap-adapter/b2b2c/v1.0/transaction-history-detail' \
  --header 'X-TIMESTAMP: text' \
  --header 'X-PARTNER-ID: text' \
  --header 'X-EXTERNAL-ID: text' \
  --header 'X-SIGNATURE: text' \
  --header 'Authorization: text' \
  --header 'Authorization-Customer: text' \
  --header 'Content-Type: application/json' \
  --data '{"partnerReferenceNo":"Transaction ID from partners"}'

200

200

{
  "responseCode": 2001300,
  "responseMessage": "Request has been processed successfully",
  "referenceNo": "RendH9Bpwly4CDRxzeAXIw",
  "partnerReferenceNo": "e73771a15652c5aace3f05d0feaa8cb82b40e5cd",
  "dateTime": "2022-11-23T18:39:41+07:00",
  "remark": "Transfer Cash Wallet To Bank Account",
  "status": "SUCCESS",
  "type": "SEND_MONEY",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  }
}

OK