OVO

OVO offers 2 payment schemes, which are; 1) OVO Open API that provides Tokenization scheme, and 2) OVO Recurring that provides Recurring scheme.

Integration Steps

Overview of integration process with both OVO Open API and OVO Recurring.

1. Account Binding

2. Balance Inquiry

3. Payment

4. Payment Notification

5. Additional Feature

---

1. Account Binding

Account Binding process should be done before payment can be made and processed. Merchant will send account binding request from customer to DOKU. The request includes customer's phone number that is registered to customer's OVO account.

Each OVO account can only be bind to one customer on one merchant. Customer needs to do verification for account binding process by inputting OTP and PIN.

Account Binding Flow

Account Binding Flow - OVO

API Endpoint

Environment	Endpoint
HTTP Method	POST
API Sandbox	https://api-sandbox.doku.com
API Production	https://api.doku.com
Path	.../direct-debit/core/v1/registration-account-binding

Sample of Request Header, Request Body and Response Body

Notes:

Parameter with (*) is mandatory

Paramater without (*) is optional/conditional

Account Binding

POSThttps://{api-domain}/direct-debit/core/v1/registration-account-binding

Header parameters

Body

application/json

phoneNo*string

Phone Number Customer | Format: 628238748728423 | min length: 9 max length: 16 | Mandatory

Example: "628238748728423"

additionalInfo*AdditionalInfo (object)

Response

200

Successful

Body

application/json

responseCode*string

Response Code with format HTTP status code + service code + case code. service code and status code refer to: https://developers.doku.com/getting-started-with-doku-api/response-code/http-status-and-case-code#id-3.-e-wallet | Mandatory | min length: 1 | max length: 7.

Example: "2000700"

responseMessage*string

Response Description. | min length: 1 | max length: 150

Example: "Successful"

referenceNostring

Reference Number

Example: "129260743966"

redirectUrl*string

Redirect URL to Merchant's page/platform for customer to input OTP/PIN

Example: "https://doku.com/direct-debit/ui/binding/2238230713001534401107183161486001168389"

additionalInfo*object

Request

JavaScriptCurlPython

const response = await fetch('https://{api-domain}/direct-debit/core/v1/registration-account-binding', {
    method: 'POST',
    headers: {
      "X-TIMESTAMP": "2020-12-21T07:56:11.000Z",
      "X-SIGNATURE": "85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5",
      "X-PARTNER-ID": "821508239190",
      "X-EXTERNAL-ID": "418075533589",
      "Authorization": "95221",
      "Content-Type": "application/json"
    },
    body: JSON.stringify({
      "phoneNo": "628238748728423",
      "additionalInfo": {
        "channel": "EMONEY_OVO_SNAP",
        "custIdMerchant": "cust-001",
        "successRegistrationUrl": "https://merchant.doku.com/success",
        "failedRegistrationUrl": "https://www.merchant.com/failed"
      }
    }),
});
const data = await response.json();

Response

200

{
  "responseCode": "2000700",
  "responseMessage": "Successful",
  "referenceNo": "129260743966",
  "redirectUrl": "https://doku.com/direct-debit/ui/binding/2238230713001534401107183161486001168389",
  "additionalInfo": {
    "custIdMerchant": 12345679504,
    "status": "PENDING",
    "authCode": 2.23823090518282e+39
  }
}

2. Balance Inquiry

After customer has bind/linked their OVO account, customer can check their account balance infirmation using Balance Inquiry. Merchant will send balance inquiry request from customer to DOKU.

Merchant can also use balance inquiry API to check if customer has sufficient balance before invoking payment process.

Balance Inquiry Flow

Balance Inquiry Flow - OVO

API Endpoint

Environment	Endpoint
HTTP Method	POST
API Sandbox	https://api-sandbox.doku.com
API Production	https://api.doku.com
Path	.../direct-debit/core/v1/balance-inquiry

Sample of Request Header, Request Body and Response Body

Notes:

Parameter with (*) is mandatory

Paramater without (*) is optional/conditional

Balance Inquiry

POSThttps://{api-domain}/direct-debit/core/v1/balance-inquiry

Header parameters

Body

application/json

additionalInfo*object

Response

200

Successful

Body

application/json

responseCode*string

Response Code with format HTTP status code + service code + case code. Other service code and status code refer to: https://developers.doku.com/getting-started-with-doku-api/response-code/http-status-and-case-code#id-3.-e-wallet . | Mandatory | min length: 1 | max length: 7.

Example: 2001100

responseMessage*string

Response Description. | min length: 1 | max length: 150

Example: "Successful"

accountInfos*array of object

Request

JavaScriptCurlPython

const response = await fetch('https://{api-domain}/direct-debit/core/v1/balance-inquiry', {
    method: 'POST',
    headers: {
      "X-TIMESTAMP": "2020-12-21T07:56:11.000Z",
      "X-SIGNATURE": "85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5",
      "X-PARTNER-ID": "821508239190",
      "X-EXTERNAL-ID": "418075533589",
      "Authorization-customer": "Bearer fa8sjjEj813Y9JGoqwOeOPWbnt4CUpvIJbU1mMU4a11MNDZ7Sg5u9a",
      "Authorization": "Bearer eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTgwNTA3NDMsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjExLTE2OTY5MTk2NTE5MTgifQ.x-D5VlK6TlVZbLPUSCr-Gbfgh4tnp0QDJmedYFHJGHFjg1c4x39pszU4sLvRhr0Jk0vKdMIzxUZeNhKoesWqDJitnG3kfrNZNsMb_WYUC0tJW91onXzYOKXiTgsHwRNFoWPQHlXIEtT3RQm-SRlCpk_E0gsavgkQn2-kbJEBnPhIs4eKg5IUY9GYi4hRr-_GHsudDl8sd2B5UBB_rHYq36BRmLXH7i7MQADHPsB1ktPVgk3ZWF0jebEjI-lJ88p-omL1vQNvRseXej2HKBa9chGLmPDvXYBQaRmmstHz-tv1boFrHfwsHJebcUec-i3WE1vMvP_3EPXdbqb45N4ciQ",
      "Content-Type": "application/json"
    },
    body: JSON.stringify({
      "additionalInfo": {
        "channel": "EMONEY_OVO_SNAP"
      }
    }),
});
const data = await response.json();

Response

200

{
  "responseCode": 2001100,
  "responseMessage": "Successful",
  "accountInfos": [
    {
      "balanceType": "CASH",
      "amount": {
        "value": "10000.00",
        "currency": "IDR"
      },
      "flatAmount": {
        "value": "10000.00",
        "currency": "IDR"
      },
      "holdAmount": {
        "value": "10000.00",
        "currency": "IDR"
      }
    }
  ]
}

3. Payment

After customer's account is bind/linked and customer has enough balance for payment, merchant can send payment request from customer to DOKU.

Payment - OVO Open API

In OVO Open API, every payment needs to be verified by customer with inputting OTP and/or PIN. In order to do that, merchant needs to bring parameter paymentType : "SALE"in payment request body.

And as the response, merchant will receive parameter webRedirectUrl to redirect the customer to merchant's page/platform to complete the payment by inputting OTP and/or PIN. After the payment is completed, merchant then will receive the notification.

Payment - Recurring

In OVO Recurring, the payment process will be scheduled. Hence, verification using OTP and/or PIN is not required in every payment. Customers only need to do the verification during account binding process and it will give merchant the authorization to run scheduled payment. In order to do that, merchant needs to bring parameter paymentType : "RECURRING"in payment request body.

And as the response, merchant will not receive parameter webRedirectUrl to redirect the customer to merchant's page/platform to complete the payment. Payment request will be directly processed by acquirer and merchant will receive the notification.

Payment Flow

This below payment flow is for OVO Open API.

Payment Flow - OVO Open API

API Endpoint

Environment	Endpoint
HTTP Method	POST
API Sandbox	https://api-sandbox.doku.com
API Production	https://api.doku.com
Path	.../direct-debit/core/v1/debit/payment-host-to-host

Sample of Request Header, Request Body and Response Body

Notes:

Parameter with (*) is mandatory

Paramater without (*) is optional/conditional

Payment

POSThttps://{api-domain}/direct-debit/core/v1/debit/payment-host-to-host

Header parameters

Body

application/json

partnerReferenceNo*string

Partner Reference No from partner | max: 64 | Mandatory

Example: "INV-0001"

feeTypestring

Fee type from partner | value should be: OUR/BEN/SHA

Example: "OUR"

amount*AmountObject (object)

payOptionDetails*array of object

additionalInfo*object

Response

200

Successful

Body

application/json

responseCode*string

Response Code with format HTTP status code + service code + case code. service code and status code refer to: https://developers.doku.com/getting-started-with-doku-api/response-code/http-status-and-case-code#id-3.-e-wallet | Mandatory | min length: 1 | max length: 7.

Example: "2005400"

responseMessage*string

Response Description. | min length: 1 | max length: 150

Example: "Successful"

webRedirectUrlstring

Redirect URL to Merchant's page/platform for customer to input OTP/PIN, it will be sent if paymentType value is SALE or null

Example: "https://app-uat.doku.com/link/283702597342040"

partnerReferenceNostring

Reference No From Partner

Example: "INV-0001"

Request

JavaScriptCurlPython

const response = await fetch('https://{api-domain}/direct-debit/core/v1/debit/payment-host-to-host', {
    method: 'POST',
    headers: {
      "X-TIMESTAMP": "2020-12-21T07:56:11.000Z",
      "X-SIGNATURE": "85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5",
      "X-PARTNER-ID": "821508239190",
      "X-EXTERNAL-ID": "418075533589",
      "Authorization-customer": "Bearer fa8sjjEj813Y9JGoqwOeOPWbnt4CUpvIJbU1mMU4a11MNDZ7Sg5u9a",
      "Authorization": "95221",
      "Content-Type": "application/json"
    },
    body: JSON.stringify({
      "partnerReferenceNo": "INV-0001",
      "amount": {
        "value": "10000.00",
        "currency": "IDR"
      },
      "additionalInfo": {
        "channel": "EMONEY_OVO_SNAP",
        "successPaymentUrl": "www.merchant.com/success",
        "failedPaymentUrl": "www.merchant.com/failed"
      },
      "payOptionDetails": [
        {}
      ]
    }),
});
const data = await response.json();

Response

200

{
  "responseCode": "2005400",
  "responseMessage": "Successful",
  "webRedirectUrl": "https://app-uat.doku.com/link/283702597342040",
  "partnerReferenceNo": "INV-0001"
}

4. Payment Notification

After payment is completed, DOKU will send HTTP Notification to merchant's defined Notification URL.Learn how to handle the notification from DOKU.

5. Additional Feature

Online Refund

This endpoint is used to create refund request for previous successful payment. Merchant can request a transaction refund to DOKU.

Online Refund Flow

Online Refund Flow - OVO

API Endpoint

Environment	Endpoint
HTTP Method	POST
API Sandbox	https://api-sandbox.doku.com
API Production	https://api.doku.com
Path	.../direct-debit/core/v1/debit/refund

Sample of Request Header, Request Body and Response Body

Notes:

Parameter with (*) is mandatory

Paramater without (*) is optional/conditional

Refund

POSThttps://{api-domain}/direct-debit/core/v1/debit/refund

Header parameters

Body

application/json

additionalInfoobject

originalPartnerReferenceNo*string

Partner Reference No Purchase Transaction | max: 32 | Mandatory

Example: "INV-0001"

originalExternalIdstring

External ID Purchase Transaction | max: 36 |

Example: "REQ-0001"

refundAmount*AmountObject (object)

reasonstring

Reason from customer | max: 255

Example: "Request by Customer"

partnerRefundNo*string

Partner Refund No| max: 64 | Mandatory

Example: "INV-REF-0001"

Response

200

Successful

Body

application/json

responseCode*string

Response Code with format HTTP status code + service code + case code. service code and status code refer to: https://developers.doku.com/getting-started-with-doku-api/response-code/http-status-and-case-code#id-3.-e-wallet | Mandatory | min length: 1 | max length: 7.

Example: "2000700"

responseMessage*string

Response Description. | min length: 1 | max length: 150

Example: "Successful"

refundAmount*AmountObject (object)

originalPartnerReferenceNostring

Partner Reference No Purchase Transaction

Example: "Ra7o1bLJAh2oV9eb33129stQc5xFm5s7"

originalReferenceNostring

Reference No Purchase Transaction From DOKU To OVO

Example: "Ra7o1bLJAh2oV9eb33129stQc5xFm5s7"

refundNostring

Refund No from DOKU To OVO

Example: "Ra7o1bLJAh2oV9eb33129stQc5xFm5s7"

partnerRefundNostring

Partner Refund No

Example: "Ra7o1bLJAh2oV9eb33129stQc5xFm5s7"

refundTimestring

format: yyyy-MM-dd'T'HH:mm:ssXXX

Example: "2024-01-01T09:09:00.123"

Request

JavaScriptCurlPython

const response = await fetch('https://{api-domain}/direct-debit/core/v1/debit/refund', {
    method: 'POST',
    headers: {
      "X-TIMESTAMP": "2020-12-21T07:56:11.000Z",
      "X-SIGNATURE": "85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5",
      "X-PARTNER-ID": "821508239190",
      "X-EXTERNAL-ID": "418075533589",
      "Authorization": "95221",
      "Content-Type": "application/json"
    },
    body: JSON.stringify({
      "originalPartnerReferenceNo": "INV-0001",
      "refundAmount": {
        "value": "10000.00",
        "currency": "IDR"
      },
      "partnerRefundNo": "INV-REF-0001"
    }),
});
const data = await response.json();

Response

200

{
  "responseCode": "2000700",
  "responseMessage": "Successful",
  "refundAmount": {
    "value": "10000.00",
    "currency": "IDR"
  },
  "originalPartnerReferenceNo": "Ra7o1bLJAh2oV9eb33129stQc5xFm5s7",
  "originalReferenceNo": "Ra7o1bLJAh2oV9eb33129stQc5xFm5s7",
  "refundNo": "Ra7o1bLJAh2oV9eb33129stQc5xFm5s7",
  "partnerRefundNo": "Ra7o1bLJAh2oV9eb33129stQc5xFm5s7",
  "refundTime": "2024-01-01T09:09:00.123"
}

Account Unbinding

If a registered customer no longer wants their account/card to be bind/linked and wish to remove themself from DOKU's and merchant’s system, merchant can send account unbinding request that is initiated by customer.

API Endpoint

Environment	Endpoint
HTTP Method	POST
API Sandbox	https://api-sandbox.doku.com
API Production	https://api.doku.com
Path	.../direct-debit/core/v1/registration-account-unbinding

Sample of Request Header, Request Body and Response Body

Notes:

Parameter with (*) is mandatory

Paramater without (*) is optional/conditional

Account Unbinding

POSThttps://{api-domain}/direct-debit/core/v1/registration-account-unbinding

Header parameters

Body

application/json

tokenIdstring

format: Value from getTokenB2B2C | max: 2048 | Mandatory

Example: "eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTg4MjI3NTQsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjAyLTE2OTAyNzUzNTM3OTgiLCJhY2NvdW50SWQiOiJjZTBhZWIyM2YyMmZhOTgxZWViNTE1MjFmZmNkYmUzNyJ9.QZ2z0p2PoCYbuBSId7LleLqTUwNyNIeM1PUSaV4DwGKO05l7xQ3EbpdAPK62hxKNcczKqQqGY2Om6rzS78s2Tj88dkDD2vl46o3xEPd_plqQW8ayFqS74Z_HcFJfdo-egqFv9rAX7qgiE5AJHSx_hFolET9B3o3Jx82lmQutnXOjYb5gW9PV0FCPIZRWOaXppOSJSVcmTvXZxF0KUID9-2QVmQ5aPZroHjShYJKGyUu-1tCPClD_CbZMCi3TxhKLnI3e2oIoK7VjXEsrJjuil8O1zZTT7_aXAGgTu5UcPCrc0U9_3Nj-wQlEjDpedMVypKAWATWBUVpMo2MAsBRDAw"

additionalInfoobject

Response

200

Successful

Body

application/json

responseCode*string

Response Code with format HTTP status code + service code + case code. service code and status code refer to: https://developers.doku.com/getting-started-with-doku-api/response-code/http-status-and-case-code#id-3.-e-wallet | Mandatory | min length: 1 | max length: 7.

Example: "2000500"

responseMessage*string

Response Description. | min length: 1 | max length: 150

Example: "Successful"

referenceNostring

Reference Number

Example: "UNB-0001"

Request

JavaScriptCurlPython

const response = await fetch('https://{api-domain}/direct-debit/core/v1/registration-account-unbinding', {
    method: 'POST',
    headers: {
      "X-TIMESTAMP": "2020-12-21T07:56:11.000Z",
      "X-SIGNATURE": "85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5",
      "X-PARTNER-ID": "821508239190",
      "X-EXTERNAL-ID": "418075533589",
      "Authorization": "95221",
      "Content-Type": "application/json"
    },
    body: JSON.stringify({}),
});
const data = await response.json();

Response

200

{
  "responseCode": "2000500",
  "responseMessage": "Successful",
  "referenceNo": "UNB-0001"
}