BNI Virtual Account

DOKU has partnered with various banks and one of them is BNI to provide Virtual Account Payment. Learn more about how DOKU can help you integrate with BNI Virtual Account here.

Integration methods​

There are two methods to integrate with BNI VA:

1. Create VA: The VA number will be registered to DOKU and Acquirer will inquiry to our side when the customer make payment at the acquirer channel (ATM, mobile banking, internet banking, etc.)

   1. DOKU Generated Payment Code (DGPC): The VA number is generated by DOKU. Suitable for e-commerce business model.

   2. Merchant Generated Payment Code (MGPC): The VA number is generated by Merchant. Suitable for top up business model.

2. Direct Inquiry (DIPC): The VA number is registered on merchant side and DOKU will forward Acquirer inquiry request to merchant side when the customer make payment at the acquirer channel (ATM, mobile banking, internet banking, etc.)

Integration Steps

Precondition

Get Token API

As client who hit DOKU's API such as Create VA, you need to obtain an access token first. Learn how to do it in this section.

Generate Signature

X- SIGNATURE is a security parameter that needs to be generated on merchant's Backend to verify the request authenticity.

So, it's very crucial for merchant to generate the X-SIGNATURE. Learn how to do it in this section

Here is the overview of how to integrate with Virtual Account:

1. Create Virtual Account

   a. DOKU Generate Payment Code

   b. Merchant Generate Payment Code

   c. Display Virtual Account

   d. Acknowledge Payment Result

   e. Hit DOKU Check Status API

   f. Update Virtual Account

---

1. Create VA

To create VA, you will need to hit this API through your Backend:

API Endpoint

Type	Value
Service Code	27
HTTP Method	POST
API Endpoint Sandbox	https://api-sandbox.doku.com/.../
API Endpoint Production	https://api.doku.com/..../
Path	/virtual-accounts/bi-snap-va/v1.1/transfer-va/create-va

Here is the sample request header, request body and response body for BNI VA

a. DOKU Generate Payment Code

Check this flow diagram to get know about this method

DOKU Generate Payment Code

Request Header

Parameter	Type	Mandatory	Description
X- TIMESTAMP	String	Mandatory	Client's current local time in yyyy-MM-ddTHH:mm:ssZ format
X-SIGNATURE	String	Mandatory	Algorithm symmetric signature HMAC_SHA2512(clientSecret, stringToSign) Refer to this Docs
X-PARTNER-ID	String	Mandatory	Unique ID for a partner (Merchant Client ID )
X-EXTERNAL-ID	String	Mandatory	Numeric string. Reference number that should be unique in the same day ( request-id)
CHANNEL-ID	String	Mandatory	channel ID for VA. Please fill with H2H (Host-To-Host )
Authorization	String	Mandatory	Bearer "access token" obtainedn from Get B2B Token API , refer to this Docs

DOKU Generate Payment Code

post

DOKU Generate Payment Code

Header parameters

X-TIMESTAMPstringRequired

Client's current local time in yyyy-MM-dd'T'HH:mm:ssXXX format. Sample: 2024-03-19T14:39:01+07:00

Example: 2024-03-19T14:39:01+07:00

X-SIGNATUREstringRequired

Algorithm symmetric signature HMAC_SHA512 (clientSecret, stringToSign)

Example: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5

X-PARTNER-IDstringRequired

Unique ID for a partner (DOKU'S Client ID)

Example: BRN-0259-1678068334526

X-EXTERNAL-IDstringRequired

Numeric String. Reference number that should be unique in the same day (request-id)

Example: 418075533589

CHANNEL-IDstringRequired

Channel Id for VA. Please fill with H2H (Host-To-Host)

Example: H2H

AuthorizationstringRequired

Access Token obtained from Get B2B Token API

Example: Bearer eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTgwNTA3NDMsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjExLTE2OTY5MTk2NTE5MTgifQ.x-D5VlK6TlVZbLPUSCr-Gbfgh4tnp0QDJmedYFHJGHFjg1c4x39pszU4sLvRhr0Jk0vKdMIzxUZeNhKoesWqDJitnG3kfrNZNsMb_WYUC0tJW91onXzYOKXiTgsHwRNFoWPQHlXIEtT3RQm-SRlCpk_E0gsavgkQn2-kbJEBnPhIs4eKg5IUY9GYi4hRr-_GHsudDl8sd2B5UBB_rHYq36BRmLXH7i7MQADHPsB1ktPVgk3ZWF0jebEjI-lJ88p-omL1vQNvRseXej2HKBa9chGLmPDvXYBQaRmmstHz-tv1boFrHfwsHJebcUec-i3WE1vMvP_3EPXdbqb45N4ciQ

Body

partnerServiceIdstringRequired

similar to company code/BIN,8 digit left padding space. | Mandatory | min length: 1 | max length: 8

Example: 98829172

customerNostringRequired

Prefix Sub BIN Merchant. | Mandatory | min length: 1 | max length: 20

Example: 3

virtualAccountNostringRequired

partnerServiceId (8 digit left padding 0) + customerNo (up to 20 digits). partnerServiceId + customerNo or virtualAccountNo. | Mandatory | min length: 1 | max length: 28

Example: 9882917263

virtualAccountNamestringRequired

Customer Name. | Mandatory | min length: 1 | max length: 255

Example: Customer Name

virtualAccountEmailstringOptional

Customer Email | min length: 1 | max length: 255

Example: [e-mail]

virtualAccountPhonestringOptional

Customer Phone, Format: 62xxxxxxxxx xxxx | min length: 9 | max length: 30

Example: 0816291271826

trxIdstringRequired

Invoice number in Partner system. | Mandatory | min length: 1 | max length: 64

Example: 23219829713

virtualAccountTrxTypestringRequired

Transaction type for this transaction. C (Closed Amount), O (Open Amount), V (Bill Variable Amount) | Mandatory | min length: 1 | max length: 1

Example: C

expiredDatestringOptional

Expiration date for Virtual Account. ISO-8601

Example: 2023-01-01T10:55:00+07:00

Responses

200

item created

application/json

400

Bad Request

application/json

403

Forbidden

application/json

404

Not Found

application/json

409

Conflict

application/json

500

Internal server error

application/json

504

Gateway Timeout

application/json

post

HTTPcURLJavaScriptPython

POST /virtual-accounts/bi-snap-va/v1.1/transfer-va/create-va HTTP/1.1
Host: {api-domain}
X-TIMESTAMP: 2024-03-19T14:39:01+07:00
X-SIGNATURE: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5
X-PARTNER-ID: BRN-0259-1678068334526
X-EXTERNAL-ID: 418075533589
CHANNEL-ID: H2H
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTgwNTA3NDMsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjExLTE2OTY5MTk2NTE5MTgifQ.x-D5VlK6TlVZbLPUSCr-Gbfgh4tnp0QDJmedYFHJGHFjg1c4x39pszU4sLvRhr0Jk0vKdMIzxUZeNhKoesWqDJitnG3kfrNZNsMb_WYUC0tJW91onXzYOKXiTgsHwRNFoWPQHlXIEtT3RQm-SRlCpk_E0gsavgkQn2-kbJEBnPhIs4eKg5IUY9GYi4hRr-_GHsudDl8sd2B5UBB_rHYq36BRmLXH7i7MQADHPsB1ktPVgk3ZWF0jebEjI-lJ88p-omL1vQNvRseXej2HKBa9chGLmPDvXYBQaRmmstHz-tv1boFrHfwsHJebcUec-i3WE1vMvP_3EPXdbqb45N4ciQ
Content-Type: application/json
Accept: */*
Content-Length: 558

{
  "partnerServiceId": "98829172",
  "customerNo": "3",
  "virtualAccountNo": "9882917263",
  "virtualAccountName": "Customer Name",
  "virtualAccountEmail": "[e-mail]",
  "virtualAccountPhone": "0816291271826",
  "trxId": "23219829713",
  "totalAmount": {
    "value": "11500.00",
    "currency": "IDR"
  },
  "additionalInfo": {
    "channel": "VIRTUAL_ACCOUNT_BNI",
    "virtualAccountConfig": {
      "reusableStatus": true,
      "minAmount": "10000.00",
      "maxAmount": "5000000.00"
    }
  },
  "virtualAccountTrxType": "C",
  "expiredDate": "2023-01-01T10:55:00+07:00",
  "freeText": [
    {
      "english": "Free text",
      "indonesia": "Tulisan Bebas"
    }
  ]
}

{
  "responseCode": "2002700",
  "responseMessage": "Successful",
  "virtualAccountData": {
    "partnerServiceId": "98829172",
    "customerNo": "30000000000000000001",
    "virtualAccountNo": "9882917230000000000000000001",
    "virtualAccountName": "Customer Name",
    "virtualAccountEmail": "[e-mail]",
    "virtualAccountPhone": "081293912081",
    "trxId": "23219829713",
    "totalAmount": {
      "value": "11500.00",
      "currency": "IDR"
    },
    "virtualAccountTrxType": "C",
    "expiredDate": "2023-01-01T10:55:00+07:00",
    "additionalInfo": {
      "channel": "VIRTUAL_ACCOUNT_BNI",
      "howToPayPage": "https://app.doku.com/how-to-pay/virtual-account/bni/9882917230000000000000000001/2226240319101120691107165798734001192511",
      "howToPayApi": "https://api.doku.com/pay-instruction/bni/9882917230000000000000000001/2226240319101120691107165798734001192511"
    }
  }
}

Learn what are the response codes!

b. Merchant Generate Payment Code

Check this flow diagram to get know about this method

Merchant Generate Payment Code

Request Header

Parameter	Type	Mandatory	Description
X- TIMESTAMP	String	Mandatory	Client's current local time in yyyy-MM-ddTHH:mm:ssZ format
X-SIGNATURE	String	Mandatory	Algorithm symmetric signature HMAC_SHA2512(clientSecret, stringToSign) Refer to this Docs
X-PARTNER-ID	String	Mandatory	Unique ID for a partner (Merchant Client ID )
X-EXTERNAL-ID	String	Mandatory	Numeric string. Reference number that should be unique in the same day ( request-id)
CHANNEL-ID	String	Mandatory	channel ID for VA. Please fill with H2H (Host-To-Host )
Authorization	String	Mandatory	Bearer "access token" obtainedn from Get B2B Token API , refer to this Docs

Merchant Generate Payment Code

post

Merchant Generate Payment Code

Header parameters

X-TIMESTAMPstringRequired

Client's current local time in yyyy-MM-dd'T'HH:mm:ssXXX format. Sample: 2024-03-19T14:39:01+07:00

Example: 2024-03-19T14:39:01+07:00

X-SIGNATUREstringRequired

Algorithm symmetric signature HMAC_SHA512 (clientSecret, stringToSign)

Example: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5

X-PARTNER-IDstringRequired

Unique ID for a partner (DOKU'S Client ID)

Example: BRN-0259-1678068334526

X-EXTERNAL-IDstringRequired

Numeric String. Reference number that should be unique in the same day (request-id)

Example: 418075533589

CHANNEL-IDstringRequired

Channel Id for VA. Please fill with H2H (Host-To-Host)

Example: H2H

AuthorizationstringRequired

Access Token obtained from Get B2B Token API

Example: Bearer eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTgwNTA3NDMsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjExLTE2OTY5MTk2NTE5MTgifQ.x-D5VlK6TlVZbLPUSCr-Gbfgh4tnp0QDJmedYFHJGHFjg1c4x39pszU4sLvRhr0Jk0vKdMIzxUZeNhKoesWqDJitnG3kfrNZNsMb_WYUC0tJW91onXzYOKXiTgsHwRNFoWPQHlXIEtT3RQm-SRlCpk_E0gsavgkQn2-kbJEBnPhIs4eKg5IUY9GYi4hRr-_GHsudDl8sd2B5UBB_rHYq36BRmLXH7i7MQADHPsB1ktPVgk3ZWF0jebEjI-lJ88p-omL1vQNvRseXej2HKBa9chGLmPDvXYBQaRmmstHz-tv1boFrHfwsHJebcUec-i3WE1vMvP_3EPXdbqb45N4ciQ

Body

partnerServiceIdstringRequired

similar to company code/BIN,8 digit left padding space. | Mandatory | min length: 1 | max length: 8

Example: 98829172

customerNostringRequired

Unique number (up to 20 digits). partnerServiceId + customerNo or virtualAccountNo. | Mandatory | min length: 1 | max length: 20

Example: 30000000000000000001

virtualAccountNostringRequired

partnerServiceId (8 digit left padding 0) + customerNo (up to 20 digits). partnerServiceId + customerNo or virtualAccountNo. | Mandatory | min length: 1 | max length: 28

Example: 9882917230000000000000000001

virtualAccountNamestringRequired

Customer Name | min length: 1 | max length: 255

Example: Customer Name

virtualAccountEmailstringOptional

Customer Email | min length: 1 | max length: 255

Example: [e-mail]

virtualAccountPhonestringOptional

Customer Phone, Format: 62xxxxxxxxx xxxx | min length: 9 | max length: 30

Example: 0816291271826

trxIdstringRequired

Invoice number in Partner system. | Mandatory | min length: 1 | max length: 64

Example: 23219829713

virtualAccountTrxTypestringRequired

Transaction type for this transaction. C (Closed Amount), O (Open Amount), V (Bill Variable Amount) | Mandatory | min length: 1 | max length: 1

Example: C

expiredDatestringOptional

Expiration date for Virtual Account. ISO-8601

Example: 2023-01-01T10:55:00+07:00

Responses

200

item created

application/json

400

Bad Request

application/json

403

Forbidden

application/json

404

Not Found

application/json

409

Conflict

application/json

500

Internal server error

application/json

504

Gateway Timeout

application/json

post

HTTPcURLJavaScriptPython

POST /virtual-accounts/bi-snap-va/v1.1/transfer-va/create-va HTTP/1.1
Host: {api-domain}
X-TIMESTAMP: 2024-03-19T14:39:01+07:00
X-SIGNATURE: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5
X-PARTNER-ID: BRN-0259-1678068334526
X-EXTERNAL-ID: 418075533589
CHANNEL-ID: H2H
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTgwNTA3NDMsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjExLTE2OTY5MTk2NTE5MTgifQ.x-D5VlK6TlVZbLPUSCr-Gbfgh4tnp0QDJmedYFHJGHFjg1c4x39pszU4sLvRhr0Jk0vKdMIzxUZeNhKoesWqDJitnG3kfrNZNsMb_WYUC0tJW91onXzYOKXiTgsHwRNFoWPQHlXIEtT3RQm-SRlCpk_E0gsavgkQn2-kbJEBnPhIs4eKg5IUY9GYi4hRr-_GHsudDl8sd2B5UBB_rHYq36BRmLXH7i7MQADHPsB1ktPVgk3ZWF0jebEjI-lJ88p-omL1vQNvRseXej2HKBa9chGLmPDvXYBQaRmmstHz-tv1boFrHfwsHJebcUec-i3WE1vMvP_3EPXdbqb45N4ciQ
Content-Type: application/json
Accept: */*
Content-Length: 595

{
  "partnerServiceId": "98829172",
  "customerNo": "30000000000000000001",
  "virtualAccountNo": "9882917230000000000000000001",
  "virtualAccountName": "Customer Name",
  "virtualAccountEmail": "[e-mail]",
  "virtualAccountPhone": "0816291271826",
  "trxId": "23219829713",
  "totalAmount": {
    "value": "11500.00",
    "currency": "IDR"
  },
  "additionalInfo": {
    "channel": "VIRTUAL_ACCOUNT_BNI",
    "virtualAccountConfig": {
      "reusableStatus": true,
      "minAmount": "10000.00",
      "maxAmount": "5000000.00"
    }
  },
  "virtualAccountTrxType": "C",
  "expiredDate": "2023-01-01T10:55:00+07:00",
  "freeText": [
    {
      "english": "Free text",
      "indonesia": "Tulisan Bebas"
    }
  ]
}

{
  "responseCode": "2002700",
  "responseMessage": "Successful",
  "virtualAccountData": {
    "partnerServiceId": "98829172",
    "customerNo": "30000000000000000001",
    "virtualAccountNo": "9882917230000000000000000001",
    "virtualAccountName": "Customer Name",
    "virtualAccountEmail": "[e-mail]",
    "virtualAccountPhone": "081293912081",
    "trxId": "23219829713",
    "totalAmount": {
      "value": "11500.00",
      "currency": "IDR"
    },
    "virtualAccountTrxType": "C",
    "expiredDate": "2023-01-01T10:55:00+07:00",
    "additionalInfo": {
      "channel": "VIRTUAL_ACCOUNT_BNI",
      "howToPayPage": "https://app.doku.com/how-to-pay/virtual-account/bni/19008000000000000000000001/2226240319101120691107165798734001192511",
      "howToPayApi": "https://api.doku.com/pay-instruction/bni/19008000000000000000000001/2226240319101120691107165798734001192511"
    }
  }
}

Learn what are the response codes!

Pro Tips!

1. You can also show payment instruction link to your customer by using additionalInfo.howToPayPage

2. If you wish to customize the UI for the payment instruction, you can use the additionalInfo.howToPayApi

c. Display Virtual Account

You can display the payment code to your customer by using virtualAccountData.virtualAccountNo that you retrieved from the API response.

d. 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 .

Payment Notification

post

Payment Notification

Header parameters

X-TIMESTAMPstringRequired

Client's current local time in yyyy-MM-dd'T'HH:mm:ssXXX format. Sample: 2024-03-19T14:39:01+07:00

Example: 2024-03-19T14:39:01+07:00

X-SIGNATUREstringRequired

Algorithm symmetric signature HMAC_SHA512 (clientSecret, stringToSign)

Example: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5

X-PARTNER-IDstringRequired

Unique ID for a partner (DOKU'S Client ID)

Example: 821508239190

X-EXTERNAL-IDstringRequired

Numeric String. Reference number that should be unique in the same day (request-id)

Example: 418075533589

CHANNEL-IDstringRequired

Channel Id for VA. Please fill with H2H (Host-To-Host)

Example: H2H

AuthorizationstringRequired

Access Token obtained from Get B2B Token API

Example: Bearer eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTgwNTA3NDMsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjExLTE2OTY5MTk2NTE5MTgifQ.x-D5VlK6TlVZbLPUSCr-Gbfgh4tnp0QDJmedYFHJGHFjg1c4x39pszU4sLvRhr0Jk0vKdMIzxUZeNhKoesWqDJitnG3kfrNZNsMb_WYUC0tJW91onXzYOKXiTgsHwRNFoWPQHlXIEtT3RQm-SRlCpk_E0gsavgkQn2-kbJEBnPhIs4eKg5IUY9GYi4hRr-_GHsudDl8sd2B5UBB_rHYq36BRmLXH7i7MQADHPsB1ktPVgk3ZWF0jebEjI-lJ88p-omL1vQNvRseXej2HKBa9chGLmPDvXYBQaRmmstHz-tv1boFrHfwsHJebcUec-i3WE1vMvP_3EPXdbqb45N4ciQ

Body

partnerServiceIdstringRequired

similar to company code/BIN,8 digit left padding space. | Mandatory | min length: 1 | max length: 8

Example: 98829172

customerNostringRequired

Unique number (up to 20 digits). partnerServiceId + customerNo or virtualAccountNo. | Mandatory | min length: 1 | max length: 20

Example: 30000000000000000001

virtualAccountNostringRequired

partnerServiceId (8 digit left padding 0) + customerNo (up to 20 digits). partnerServiceId + customerNo or virtualAccountNo. | Mandatory | min length: 1 | max length: 28

Example: 9882917230000000000000000001

virtualAccountNamestringRequired

Customer Name | min length: 1 | max length: 255

Example: Customer Name

virtualAccountEmailstringOptional

Customer Email | min length: 1 | max length: 255

Example: [e-mail]

trxIdstringRequired

Transaction ID in Partner system. | Mandatory | min length: 1 | max length: 64

Example: 23219829713

paymentRequestIdstringOptional

Unique identifier generated by PJP. If Payment comes from the Inquiry process, this value must be the same with inquiryRequestId. | Mandatory | min length: 1 | max length: 30

Example: 12839218738127830

virtualAccountPhonestringOptional

Customer Phone, Format: 62xxxxxxxxx xxxx | min length: 9 | max length: 30

Example: 081293912081

trxDateTimestringOptional

DOKU's transaction date time

Example: 2023-01-01T10:55:00+07:00

virtualAccountTrxTypestringOptional

Transaction type for this transaction. C (Closed Amount), O (Open Amount), V (Bill Variable Amount) | Mandatory | min length: 1 | max length: 1

Example: C

Responses

200

item created

application/json

400

Bad Request

application/json

403

Forbidden

application/json

404

Not Found

application/json

409

Conflict

application/json

500

Internal server error

application/json

504

Gateway Timeout

application/json

post

HTTPcURLJavaScriptPython

POST /v1.1/transfer-va/payment HTTP/1.1
Host: {merchant-domain}
X-TIMESTAMP: 2024-03-19T14:39:01+07:00
X-SIGNATURE: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5
X-PARTNER-ID: 821508239190
X-EXTERNAL-ID: 418075533589
CHANNEL-ID: H2H
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTgwNTA3NDMsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjExLTE2OTY5MTk2NTE5MTgifQ.x-D5VlK6TlVZbLPUSCr-Gbfgh4tnp0QDJmedYFHJGHFjg1c4x39pszU4sLvRhr0Jk0vKdMIzxUZeNhKoesWqDJitnG3kfrNZNsMb_WYUC0tJW91onXzYOKXiTgsHwRNFoWPQHlXIEtT3RQm-SRlCpk_E0gsavgkQn2-kbJEBnPhIs4eKg5IUY9GYi4hRr-_GHsudDl8sd2B5UBB_rHYq36BRmLXH7i7MQADHPsB1ktPVgk3ZWF0jebEjI-lJ88p-omL1vQNvRseXej2HKBa9chGLmPDvXYBQaRmmstHz-tv1boFrHfwsHJebcUec-i3WE1vMvP_3EPXdbqb45N4ciQ
Content-Type: application/json
Accept: */*
Content-Length: 545

{
  "partnerServiceId": "98829172",
  "customerNo": "30000000000000000001",
  "virtualAccountNo": "9882917230000000000000000001",
  "virtualAccountName": "Customer Name",
  "virtualAccountEmail": "[e-mail]",
  "trxId": "23219829713",
  "paymentRequestId": "12839218738127830",
  "paidAmount": {
    "value": "11500.00",
    "currency": "IDR"
  },
  "virtualAccountPhone": "081293912081",
  "additionalInfo": {
    "channel": "VIRTUAL_ACCOUNT_BNI",
    "virtualAccountConfig": {
      "minAmount": "10000.00",
      "maxAmount": "5000000.00"
    }
  },
  "trxDateTime": "2023-01-01T10:55:00+07:00",
  "virtualAccountTrxType": "C"
}

{
  "responseCode": "2002500",
  "responseMessage": "Success",
  "virtualAccountData": {
    "partnerServiceId": "98829172",
    "customerNo": "30000000000000000001",
    "virtualAccountNo": "9882917230000000000000000001",
    "virtualAccountName": "Customer Name",
    "virtualAccountEmail": "[e-mail]",
    "paymentRequestId": "12839218738127830",
    "paidAmount": {
      "value": "11500.00",
      "currency": "IDR"
    },
    "virtualAccountTrxType": "C",
    "additionalInfo": {
      "channel": "VIRTUAL_ACCOUNT_BNI",
      "virtualAccountConfig": {
        "minAmount": "10000.00",
        "maxAmount": "5000000.00"
      }
    }
  }
}

e. Hit DOKU Check Status API

If you do not receive notifications from DOKU due to some issue, you can perform an API status check on the DOKU side to determine the updated transaction status. See the detailed request and response here Check Status API.

---

f. Update Payment Code

If you wish to update your virtual account, you can do that by hitting the API with this API :

Request Header

Parameter	Type	Mandatory	Description
X- TIMESTAMP	String	Mandatory	Client's current local time in yyyy-MM-ddTHH:mm:ssZ format
X-SIGNATURE	String	Mandatory	Algorithm symmetric signature HMAC_SHA2512(clientSecret, stringToSign) Refer to this Docs
X-PARTNER-ID	String	Mandatory	Unique ID for a partner (Merchant Client ID )
X-EXTERNAL-ID	String	Mandatory	Numeric string. Reference number that should be unique in the same day ( request-id)
CHANNEL-ID	String	Mandatory	channel ID for VA. Please fill with H2H (Host-To-Host )
Authorization	String	Mandatory	Bearer "access token" obtainedn from Get B2B Token API , refer to this Docs

Update Payment Code

put

Update Payment Code

Header parameters

X-TIMESTAMPstringRequired

Client's current local time in yyyy-MM-dd'T'HH:mm:ssXXX format. Sample: 2024-03-19T14:39:01+07:00

Example: 2024-03-19T14:39:01+07:00

X-SIGNATUREstringRequired

Algorithm symmetric signature HMAC_SHA512 (clientSecret, stringToSign)

Example: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5

X-PARTNER-IDstringRequired

Unique ID for a partner (DOKU'S Client ID)

Example: BRN-0259-1678068334526

X-EXTERNAL-IDstringRequired

Numeric String. Reference number that should be unique in the same day (request-id)

Example: 418075533589

CHANNEL-IDstringRequired

Channel Id for VA. Please fill with H2H (Host-To-Host)

Example: H2H

AuthorizationstringRequired

Access Token obtained from Get B2B Token API

Example: Bearer eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTgwNTA3NDMsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjExLTE2OTY5MTk2NTE5MTgifQ.x-D5VlK6TlVZbLPUSCr-Gbfgh4tnp0QDJmedYFHJGHFjg1c4x39pszU4sLvRhr0Jk0vKdMIzxUZeNhKoesWqDJitnG3kfrNZNsMb_WYUC0tJW91onXzYOKXiTgsHwRNFoWPQHlXIEtT3RQm-SRlCpk_E0gsavgkQn2-kbJEBnPhIs4eKg5IUY9GYi4hRr-_GHsudDl8sd2B5UBB_rHYq36BRmLXH7i7MQADHPsB1ktPVgk3ZWF0jebEjI-lJ88p-omL1vQNvRseXej2HKBa9chGLmPDvXYBQaRmmstHz-tv1boFrHfwsHJebcUec-i3WE1vMvP_3EPXdbqb45N4ciQ

Body

partnerServiceIdstringRequired

similar to company code/BIN,8 digit left padding space. | Mandatory | min length: 1 | max length: 8

Example: 98829172

customerNostringRequired

Unique number (up to 20 digits). partnerServiceId + customerNo or virtualAccountNo. | Mandatory | min length: 1 | max length: 20

Example: 30000000000000000001

virtualAccountNostringRequired

partnerServiceId (8 digit left padding 0) + customerNo (up to 20 digits). partnerServiceId + customerNo or virtualAccountNo. | Mandatory | min length: 1 | max length: 28

Example: 9882917230000000000000000001

virtualAccountNamestringOptional

Customer Name | min length: 1 | max length: 255

Example: Customer Name

virtualAccountEmailstringOptional

Customer Email | min length: 1 | max length: 255

Example: [e-mail]

virtualAccountPhonestringOptional

Customer Phone, Format: 62xxxxxxxxx xxxx | min length: 9 | max length: 30

Example: 0816291271826

trxIdstringRequired

Invoice number in Partner system. | Mandatory | min length: 1 | max length: 64

Example: 23219829713

virtualAccountTrxTypestringOptional

Transaction type for this transaction. C (Closed Amount), O (Open Amount), V (Bill Variable Amount) | Mandatory | min length: 1 | max length: 1

Example: C

expiredDatestringOptional

Expiration date for Virtual Account. ISO-8601

Example: 2023-01-01T10:55:00+07:00

Responses

200

item created

application/json

400

Bad Request

application/json

403

Forbidden

application/json

404

Not Found

application/json

409

Conflict

application/json

500

Internal server error

application/json

504

Gateway Timeout

application/json

put

HTTPcURLJavaScriptPython

PUT /virtual-accounts/bi-snap-va/v1.1/transfer-va/update-va HTTP/1.1
Host: {api-domain}
X-TIMESTAMP: 2024-03-19T14:39:01+07:00
X-SIGNATURE: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5
X-PARTNER-ID: BRN-0259-1678068334526
X-EXTERNAL-ID: 418075533589
CHANNEL-ID: H2H
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTgwNTA3NDMsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjExLTE2OTY5MTk2NTE5MTgifQ.x-D5VlK6TlVZbLPUSCr-Gbfgh4tnp0QDJmedYFHJGHFjg1c4x39pszU4sLvRhr0Jk0vKdMIzxUZeNhKoesWqDJitnG3kfrNZNsMb_WYUC0tJW91onXzYOKXiTgsHwRNFoWPQHlXIEtT3RQm-SRlCpk_E0gsavgkQn2-kbJEBnPhIs4eKg5IUY9GYi4hRr-_GHsudDl8sd2B5UBB_rHYq36BRmLXH7i7MQADHPsB1ktPVgk3ZWF0jebEjI-lJ88p-omL1vQNvRseXej2HKBa9chGLmPDvXYBQaRmmstHz-tv1boFrHfwsHJebcUec-i3WE1vMvP_3EPXdbqb45N4ciQ
Content-Type: application/json
Accept: */*
Content-Length: 528

{
  "partnerServiceId": "98829172",
  "customerNo": "30000000000000000001",
  "virtualAccountNo": "9882917230000000000000000001",
  "virtualAccountName": "Customer Name",
  "virtualAccountEmail": "[e-mail]",
  "virtualAccountPhone": "0816291271826",
  "trxId": "23219829713",
  "totalAmount": {
    "value": "11500.00",
    "currency": "IDR"
  },
  "additionalInfo": {
    "channel": "VIRTUAL_ACCOUNT_BNI",
    "virtualAccountConfig": {
      "status": "INACTIVE",
      "minAmount": "10000.00",
      "maxAmount": "5000000.00"
    }
  },
  "virtualAccountTrxType": "C",
  "expiredDate": "2023-01-01T10:55:00+07:00"
}

{
  "responseCode": "2002800",
  "responseMessage": "Successful",
  "virtualAccountData": {
    "partnerServiceId": "98829172",
    "customerNo": "30000000000000000001",
    "virtualAccountNo": "9882917230000000000000000001",
    "virtualAccountName": "Customer Name",
    "virtualAccountEmail": "[e-mail]",
    "virtualAccountPhone": "081293912081",
    "trxId": "23219829713",
    "totalAmount": {
      "value": "11500.00",
      "currency": "IDR"
    },
    "virtualAccountTrxType": "C",
    "expiredDate": "2023-01-01T10:55:00+07:00",
    "additionalInfo": {
      "channel": "VIRTUAL_ACCOUNT_BNI",
      "virtualAccountConfig": {
        "status": "INACTIVE",
        "minAmount": "10000.00",
        "maxAmount": "5000000.00"
      }
    }
  }
}

---

2. Direct Inquiry

Type	Value
Service Code	24
HTTP Method	POST
API Endpoint Sandbox	https://api-sandbox.doku.com/.../
API Endpoint Production	https://api.doku.com/..../
Path	/virtual-accounts/bi-snap-va/v1.1/transfer-va/inquiry

Here is the overview of how to integrate Direct Inquiry BNI VA :

1. Direct Inquiry

   a. Setup Inquiry URL on DOKU Dashboard

   b. Generate Payment Code on your End

   c. Receive Inquiry Request from DOKU

   d. Acknowledge Payment Notification

   e. Hit DOKU Check Status API

Check this flow to diagram to get know about this API :

Direct Inquiry

To get Inquiry Request from DOKU, you will need to hit this API through your Backend:

a. Setup Inquiry URL on DOKU Dashboard

To receive the inquiry request from DOKU. You must set your Inquiry URL to DOKU. Please contact our team for the setup.

Please inform the Inquiry URL for Sandbox environment and Production environment.

b. Generate Payment Code on your end

Generate payment is done in your system. The payment code length maximum is 23 digits.

c. Receive Inquiry Request from DOKU

Here is the sample request header, request body from DOKU

Request Header

Parameter	Type	Mandatory	Description
X- TIMESTAMP	String	Mandatory	Client's current local time in yyyy-MM-ddTHH:mm:ssZ format
X-SIGNATURE	String	Mandatory	Algorithm symmetric signature HMAC_SHA2512(clientSecret, stringToSign) Refer to this Docs
X-PARTNER-ID	String	Mandatory	Unique ID for a partner (Merchant Client ID )
X-EXTERNAL-ID	String	Mandatory	Numeric string. Reference number that should be unique in the same day ( request-id)
CHANNEL-ID	String	Mandatory	channel ID for VA. Please fill with H2H (Host-To-Host )
Authorization	String	Mandatory	Bearer "access token" obtainedn from Get B2B Token API , refer to this Docs

Direct Inquiry

post

Direct Inquiry

Header parameters

X-TIMESTAMPstringRequired

Client's current local time in yyyy-MM-dd'T'HH:mm:ssXXX format. Sample: 2024-03-19T14:39:01+07:00

Example: 2024-03-19T14:39:01+07:00

X-SIGNATUREstringRequired

Algorithm symmetric signature HMAC_SHA512 (clientSecret, stringToSign)

Example: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5

X-PARTNER-IDstringRequired

Unique ID for a partner (DOKU'S Client ID)

Example: BRN-0259-1678068334526

X-EXTERNAL-IDstringRequired

Numeric String. Reference number that should be unique in the same day (request-id)

Example: 418075533589

CHANNEL-IDstringRequired

channel Id for VA

Example: VA004

AuthorizationstringRequired

Access Token obtained from Get B2B Token API

Example: Bearer eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTgwNTA3NDMsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjExLTE2OTY5MTk2NTE5MTgifQ.x-D5VlK6TlVZbLPUSCr-Gbfgh4tnp0QDJmedYFHJGHFjg1c4x39pszU4sLvRhr0Jk0vKdMIzxUZeNhKoesWqDJitnG3kfrNZNsMb_WYUC0tJW91onXzYOKXiTgsHwRNFoWPQHlXIEtT3RQm-SRlCpk_E0gsavgkQn2-kbJEBnPhIs4eKg5IUY9GYi4hRr-_GHsudDl8sd2B5UBB_rHYq36BRmLXH7i7MQADHPsB1ktPVgk3ZWF0jebEjI-lJ88p-omL1vQNvRseXej2HKBa9chGLmPDvXYBQaRmmstHz-tv1boFrHfwsHJebcUec-i3WE1vMvP_3EPXdbqb45N4ciQ

Body

partnerServiceIdstringRequired

similar to company code/BIN,8 digit left padding space. | Mandatory | min length: 1 | max length: 8

Example: 98827340

customerNostringRequired

Unique number (up to 20 digits). partnerServiceId + customerNo or virtualAccountNo. | Mandatory | min length: 1 | max length: 20

Example: 00000000000000000001

virtualAccountNostringOptional

partnerServiceId (8 digit left padding 0) + customerNo (up to 20 digits). partnerServiceId + customerNo or virtualAccountNo. | min length: 1 | max length: 28

Example: 9882734000000000000000000001

channelCodestringOptional

Channel code from bank | min length: 1 | max length: 10

Example: 1

trxDateInitstringRequired

Transaction date. | Mandatory

Example: 2023-01-01T10:55:00+07:00

languagestringOptional

Language | min length: 1 | max length: 2

Example: ID

inquiryRequestIdstringRequired

Unique Inquiry request id. | Mandatory | min length: 1 | max length: 30

Example: 12839218738127830

Responses

200

item created

application/json

400

Bad Request

application/json

403

Forbidden

application/json

404

Not Found

application/json

409

Conflict

application/json

500

Internal server error

application/json

504

Gateway Timeout

application/json

post

HTTPcURLJavaScriptPython

POST /v1/transfer-va/inquiry HTTP/1.1
Host: {merchant-domain}
X-TIMESTAMP: 2024-03-19T14:39:01+07:00
X-SIGNATURE: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5
X-PARTNER-ID: BRN-0259-1678068334526
X-EXTERNAL-ID: 418075533589
CHANNEL-ID: VA004
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTgwNTA3NDMsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjExLTE2OTY5MTk2NTE5MTgifQ.x-D5VlK6TlVZbLPUSCr-Gbfgh4tnp0QDJmedYFHJGHFjg1c4x39pszU4sLvRhr0Jk0vKdMIzxUZeNhKoesWqDJitnG3kfrNZNsMb_WYUC0tJW91onXzYOKXiTgsHwRNFoWPQHlXIEtT3RQm-SRlCpk_E0gsavgkQn2-kbJEBnPhIs4eKg5IUY9GYi4hRr-_GHsudDl8sd2B5UBB_rHYq36BRmLXH7i7MQADHPsB1ktPVgk3ZWF0jebEjI-lJ88p-omL1vQNvRseXej2HKBa9chGLmPDvXYBQaRmmstHz-tv1boFrHfwsHJebcUec-i3WE1vMvP_3EPXdbqb45N4ciQ
Content-Type: application/json
Accept: */*
Content-Length: 283

{
  "partnerServiceId": "98827340",
  "customerNo": "00000000000000000001",
  "virtualAccountNo": "9882734000000000000000000001",
  "channelCode": "1",
  "trxDateInit": "2023-01-01T10:55:00+07:00",
  "language": "ID",
  "inquiryRequestId": "12839218738127830",
  "additionalInfo": {
    "channel": "VIRTUAL_ACCOUNT_BNI"
  }
}

{
  "responseCode": "2002400",
  "responseMessage": "Successful",
  "virtualAccountData": {
    "partnerServiceId": "98827340",
    "customerNo": "00000000000000000001",
    "virtualAccountNo": "9882734000000000000000000001",
    "virtualAccountName": "Toru Yamashita",
    "virtualAccountEmail": "[e-mail]",
    "virtualAccountPhone": "081293912081",
    "totalAmount": {
      "value": "11500.00",
      "currency": "IDR"
    },
    "virtualAccountTrxType": "1",
    "expiredDate": "2023-01-01T10:55:00+07:00",
    "inquiryStatus": "00",
    "inquiryReason": {
      "english": "Success",
      "indonesia": "Sukses"
    },
    "inquiryRequestId": "12839218738127830"
  },
  "additionalInfo": {
    "channel": "VIRTUAL_ACCOUNT_BNI",
    "virtualAccountConfig": {
      "reusableStatus": true
    }
  }
}

d. Acknowledge payment notification

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 .

Payment Notification

post

Payment Notification

Header parameters

X-TIMESTAMPstringRequired

Client's current local time in yyyy-MM-dd'T'HH:mm:ssXXX format. Sample: 2024-03-19T14:39:01+07:00

Example: 2024-03-19T14:39:01+07:00

X-SIGNATUREstringRequired

Algorithm symmetric signature HMAC_SHA512 (clientSecret, stringToSign)

Example: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5

X-PARTNER-IDstringRequired

Unique ID for a partner (DOKU'S Client ID)

Example: 821508239190

X-EXTERNAL-IDstringRequired

Numeric String. Reference number that should be unique in the same day (request-id)

Example: 418075533589

CHANNEL-IDstringRequired

channel Id for VA

Example: VA004

AuthorizationstringRequired

Access Token obtained from Get B2B Token API

Example: Bearer eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTgwNTA3NDMsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjExLTE2OTY5MTk2NTE5MTgifQ.x-D5VlK6TlVZbLPUSCr-Gbfgh4tnp0QDJmedYFHJGHFjg1c4x39pszU4sLvRhr0Jk0vKdMIzxUZeNhKoesWqDJitnG3kfrNZNsMb_WYUC0tJW91onXzYOKXiTgsHwRNFoWPQHlXIEtT3RQm-SRlCpk_E0gsavgkQn2-kbJEBnPhIs4eKg5IUY9GYi4hRr-_GHsudDl8sd2B5UBB_rHYq36BRmLXH7i7MQADHPsB1ktPVgk3ZWF0jebEjI-lJ88p-omL1vQNvRseXej2HKBa9chGLmPDvXYBQaRmmstHz-tv1boFrHfwsHJebcUec-i3WE1vMvP_3EPXdbqb45N4ciQ

Body

partnerServiceIdstringRequired

similar to company code/BIN,8 digit left padding space. | min length: 1 | max length: 8

Example: 98829172

customerNostringRequired

Unique number (up to 20 digits). partnerServiceId + customerNo or virtualAccountNo. | Mandatory | min length: 1 | max length: 20

Example: 00000000000000000001

virtualAccountNostringRequired

partnerServiceId (8 digit left padding 0) + customerNo (up to 20 digits). partnerServiceId + customerNo or virtualAccountNo. | min length: 1 | max length: 28

Example: 9882917200000000000000000001

virtualAccountNamestringRequired

Customer Name. | Mandatory | min length: 1 | max length: 255

Example: Toru Yamashita

trxIdstringRequired

Transaction ID in Partner system. | Mandatory | min length: 1 | max length: 64

Example: 23219829713

paymentRequestIdstringOptional

Unique identifier generated by PJP. If Payment comes from the Inquiry process, this value must be the same with inquiryRequestId. | Mandatory | min length: 1 | max length: 30

Example: 12839218738127830

virtualAccountEmailstringOptional

Customer Email | min length: 1 | max length: 255

Example: [e-mail]

virtualAccountPhonestringOptional

Customer Phone, Format: 62xxxxxxxxx xxxx | min length: 9 | max length: 30

Example: 081293912081

trxDateTimestringOptional

DOKU's transaction date time

Example: 2023-01-01T10:55:00+07:00

Responses

200

item created

application/json

400

Bad Request

application/json

403

Forbidden

application/json

404

Not Found

application/json

409

Conflict

application/json

500

Internal server error

application/json

504

Gateway Timeout

application/json

post

HTTPcURLJavaScriptPython

POST /v1/transfer-va/payment HTTP/1.1
Host: {merchant-domain}
X-TIMESTAMP: 2024-03-19T14:39:01+07:00
X-SIGNATURE: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5
X-PARTNER-ID: 821508239190
X-EXTERNAL-ID: 418075533589
CHANNEL-ID: VA004
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTgwNTA3NDMsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjExLTE2OTY5MTk2NTE5MTgifQ.x-D5VlK6TlVZbLPUSCr-Gbfgh4tnp0QDJmedYFHJGHFjg1c4x39pszU4sLvRhr0Jk0vKdMIzxUZeNhKoesWqDJitnG3kfrNZNsMb_WYUC0tJW91onXzYOKXiTgsHwRNFoWPQHlXIEtT3RQm-SRlCpk_E0gsavgkQn2-kbJEBnPhIs4eKg5IUY9GYi4hRr-_GHsudDl8sd2B5UBB_rHYq36BRmLXH7i7MQADHPsB1ktPVgk3ZWF0jebEjI-lJ88p-omL1vQNvRseXej2HKBa9chGLmPDvXYBQaRmmstHz-tv1boFrHfwsHJebcUec-i3WE1vMvP_3EPXdbqb45N4ciQ
Content-Type: application/json
Accept: */*
Content-Length: 486

{
  "partnerServiceId": "98829172",
  "customerNo": "00000000000000000001",
  "virtualAccountNo": "9882917200000000000000000001",
  "virtualAccountName": "Toru Yamashita",
  "trxId": "23219829713",
  "paymentRequestId": "12839218738127830",
  "paidAmount": {
    "value": "11500.00",
    "currency": "IDR"
  },
  "totalAmount": {
    "value": "11500.00",
    "currency": "IDR"
  },
  "virtualAccountEmail": "[e-mail]",
  "virtualAccountPhone": "081293912081",
  "additionalInfo": {
    "channel": "VIRTUAL_ACCOUNT_BNI"
  },
  "trxDateTime": "2023-01-01T10:55:00+07:00"
}

{
  "responseCode": "2002500",
  "responseMessage": "Success",
  "virtualAccountData": {
    "partnerServiceId": "98829172",
    "customerNo": "00000000000000000001",
    "virtualAccountNo": "9882917200000000000000000001",
    "virtualAccountName": "Toru Yamashita",
    "paymentRequestId": "12839218738127830"
  },
  "additionalInfo": {
    "channel": "VIRTUAL_ACCOUNT_BNI"
  }
}

e. Hit DOKU Check Status API

If you do not receive notifications from DOKU due to some issue, you can perform an API status check on the DOKU side to determine the updated transaction status. See the detailed request and response here Check Status API.

---

Additional Feature

Open Amount

DOKU supports open payment meaning that your customer can input their own payment amount. To use open amount, you need to set virtualAccountTrxType = O and you need to send totalAmount.value = 0and totalAmount.currency = IDR DOKU. Here is the sample:

Create VA

{
    "partnerServiceId": "98829172",
        ...
    "totalAmount": {
        "value": "0",
        "currency": "IDR"
      },
      ...
    "virtualAccountTrxType": "O",
    ...
}

Direct Inquiry

{
  ...
  "virtualAccountData": {
    "partnerServiceId": "98829172",
    ...
    "totalAmount": {
      "value": "0",
      "currency": "IDR"
    },
    "virtualAccountTrxType": "O",
    "expiredDate": "2023-01-01T10:55:00+07:00",
    ...
    },
    ...
}

Limit Amount

DOKU supports limit amount payment meaning that your customer can input their own payment amount at the range that you defined. Limit amount only available when virtualAccountTrxType type is O and V.To use limit amount, you need to set virtualAccountConfig.minAmount >= 0 or virtualAccountConfig.maxAmount > 0 to DOKU.

Create VA

{
    "partnerServiceId": "98829172",
        ...
    "totalAmount": {
        "value": "0",
        "currency": "IDR"
      },
    "additionalInfo": {
        "channel" : "VIRTUAL_ACCOUNT_BNI",
        "virtualAccountConfig" : {
            "minAmount" : "10000.00"
            "maxAmount" : "5000000.00"
            }
        },
    "virtualAccountTrxType": "O" / "V",
    ...
}

Direct Inquiry

{
  ...
  "virtualAccountData": {
    "partnerServiceId": "98829172",
    ...
    "totalAmount": {
      "value": "0",
      "currency": "IDR"
    },
    "additionalInfo": {
        "channel" : "VIRTUAL_ACCOUNT_BNI",
        "virtualAccountConfig" : {
            "minAmount" : "10000.00"
            "maxAmount" : "5000000.00"
            }
        },
    "virtualAccountTrxType": "O" / "V",
    ...
    },
}

---