BRI Direct Debit

BRI offers 2 payment schemes, which are; 1) Tokenization scheme, and 2) Recurring scheme.

Integration Steps

Overview of integration process with BRI Direct Debit

1. Card Registration

Card Registration process should be done before payment can be made and processed. Merchant will send card registration request from customer to DOKU. The request includes customer's card number that is registered to customer's BRI account.

Each card/account can only registered/bind to one customer on one merchant. Customer needs to verify OTP and input PIN on BRI page.

CBC Encryption

To request card registration process, merchant requires to bring object cardData which value should be encrypted using CBC Algorithm.

CBC Encryption - Steps:

Prepare shared key from DOKU as Secret Key

Substring shared key only 16 digits
Example code:

private String getSharedKey(String sharedKey) {
    if (sharedKey.length() != 16) {
sharedKey = sharedKey.length() > 16 ? sharedKey.substring(0, 16) : String.format("%-16s", sharedKey).replace(' ', '-');
    }
    return sharedKey;
}

Generate Initial Value (IV)

Generate initial value with 16 bytes and then encode using Base 64
Example code:

byte[] iv = new byte[16];
new SecureRandom().nextBytes(iv);
IvParameterSpec ivParameterSpec = new IvParameterSpec(iv);
String ivString = Base64.getEncoder().encodeToString(ivParameterSpec.getIV());

Using Cipher CBC

Value that will be encrypted combine with secret key generated before
After that encode the value using Base 64
Example code:

Cipher cipher = Cipher.getInstance("AES/CBC/PKCS5Padding"); //NOSONAR
cipher.init(Cipher.ENCRYPT_MODE, key, ivParameterSpec);
byte[] cipherText = cipher.doFinal(input.getBytes());
String cipherString = Base64.getEncoder().encodeToString(cipherText);

Combine CBC and IV
- Combine value CBC Cipher with IV value with separator (|)
- Example code:
```
String value = cipherString + "|" + ivString;
```

Tools Using Java - Steps:

Install JDK 17
Go to folder
Run with command java -jar cbc-tools.jar
Input Value that you wish to be encrypted
Input Key to encrypt

Example Value:

{"bankCardNo":"6783","bankCardType":"D","identificationNo":"6013010111348228","identificationType":"02","email":"[email protected]","expiryDate":"0526"}

Card Registration Flow

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-card-bind

Sample of Request Header, Request Body and Response Body

Notes:

Parameter with (*) is mandatory

Paramater without (*) is optional/conditional

Register card for direct debit BRI

post

Header parameters

X-TIMESTAMPstring · utc timestampRequired

Client's current local time in yyyy-MM- ddTHH:mm:ssTZD format

Example: 2020-12-21T07:56:11.000Z

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-IDstringOptional

Enum: DH/H2H (Default: DH) | Max: 3

Example: DH

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

cardDatastringRequired

Format Object: { "bankCardNo": "13763689649826892", "bankCardType": "D", "expiryDate": "0129" } Encrypt using CBC Algorithm Value: encryptedValue + ivString

Example: 5cg2G2719+jxU1RfcGmeCyQrLagUaAWJWWhLpm/mbkiTIrb9qA5kQgAZ4jTsMWOgMxB7lJX6k1hiv5Mq4ltG5g==|GbD2PwzJIgpPijLs14BwZQ==

custIdMerchantstringRequired

Customer id from merchant | Alphanumeric | max length: 64 |

Example: cust001

phoneNostringOptional

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

Example: 628238748728423

Responses

200

Successful

application/json

post

/direct-debit/core/v1/registration-card-bind

POST /direct-debit/core/v1/registration-card-bind HTTP/1.1
Host: {api-domain}
X-TIMESTAMP: 2020-12-21T07:56:11.000Z
X-SIGNATURE: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5
X-PARTNER-ID: 821508239190
X-EXTERNAL-ID: 418075533589
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: 490

{
  "cardData": "5cg2G2719+jxU1RfcGmeCyQrLagUaAWJWWhLpm/mbkiTIrb9qA5kQgAZ4jTsMWOgMxB7lJX6k1hiv5Mq4ltG5g==|GbD2PwzJIgpPijLs14BwZQ==",
  "custIdMerchant": "cust001",
  "phoneNo": "628238748728423",
  "additionalInfo": {
    "channel": "DIRECT_DEBIT_BRI_SNAP",
    "customerName": "John Doe",
    "email": "[email protected]",
    "idCard": "12345",
    "country": "Indonesia",
    "address": "Bali",
    "dateOfBirth": "19990101",
    "successRegistrationUrl": "https://merchant.doku.com/success",
    "failedRegistrationUrl": "https://www.merchant.com/failed"
  }
}

200

Successful

{
  "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. OTP Verification

Once customer has registered their card through the platform, merchant needs to verify the card. Merchant can hit this API to verify the OTP.

OTP Verification Flow

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/otp-verification

Sample of Request Header, Request Body and Response Body

Notes:

Parameter with (*) is mandatory

Paramater without (*) is optional/conditional

OTP Verification for Payment BRI

post

Header parameters

X-TIMESTAMPstring · utc timestampRequired

Client's current local time in yyyy-MM- ddTHH:mm:ssTZD format

Example: 2020-12-21T07:56:11.000Z

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

Authorization-customerstringRequired

Access token obtained from B2B2C API

Example: Bearer fa8sjjEj813Y9JGoqwOeOPWbnt4CUpvIJbU1mMU4a11MNDZ7Sg5u9a

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

originalPartnerReferenceNostringRequired

Partner Reference No Payment | max: 36 | Mandatory

Example: INV-0001

otpstringRequired

OTP sent to customer | min: 6 max: 6 | Mandatory

Example: 111000

actionstringRequired

Value should always be otpPayment | Mandatory

Example: otpPayment

Responses

200

Successful

application/json

post

/direct-debit/core/v1/otp-verification

POST /direct-debit/core/v1/otp-verification HTTP/1.1
Host: {api-domain}
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
Accept: */*
Content-Length: 222

{
  "originalPartnerReferenceNo": "INV-0001",
  "otp": "111000",
  "action": "otpPayment",
  "additionalInfo": {
    "channel": "DIRECT_DEBIT_BRI_SNAP",
    "bankCardToken": "eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTgwNTA3NDMsImlzcyI6IkRPS1UiLCJjbGllbnR"
  }
}

200

Successful

{
  "responseCode": 2000400,
  "responseMessage": "Successful",
  "originalReferenceNo": "GuJNX01wKYMdEGNUJ1k"
}

3. Payment

After customer's card is registered, payment process can be requested by bringing the card token generated in card registration process. After merchant hit payment API, DOKU will deduct customer's balance.

Payment - Tokenization

In tokenization scheme, 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 recurring scheme, 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 card registration process and it will give merchant the authorization to run scheduled payment. In order to do that, merchant needs to bring parameter CHANNEL-ID : "H2H" in request header andpaymentType : "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 tokenization scheme.

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

Request Payment From Merchant for Direct Debit BRI

post

Header parameters

X-TIMESTAMPstring · utc timestampRequired

Client's current local time in yyyy-MM- ddTHH:mm:ssTZD format

Example: 2020-12-21T07:56:11.000Z

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-IDstringOptional

Default value: DH(DOKU Hosted) Value: DH/H2H

Example: H2H

Authorization-customerstringRequired

Access token obtained from B2B2C API

Example: Bearer fa8sjjEj813Y9JGoqwOeOPWbnt4CUpvIJbU1mMU4a11MNDZ7Sg5u9a

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

partnerReferenceNostringRequired

Reference No From Partner | max: 64 | Mandatory

Example: INV-0001

Responses

200

Successful

application/json

post

/direct-debit/core/v1/debit/payment-host-to-host

POST /direct-debit/core/v1/debit/payment-host-to-host HTTP/1.1
Host: {api-domain}
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
Accept: */*
Content-Length: 246

{
  "partnerReferenceNo": "INV-0001",
  "amount": {
    "value": "10000.00",
    "currency": "IDR"
  },
  "additionalInfo": {
    "channel": "DIRECT_DEBIT_BRI_SNAP",
    "successPaymentUrl": "www.merchant.com/success",
    "failedPaymentUrl": "www.merchant.com/failed",
    "paymentType": "SALE"
  }
}

200

Successful

{
  "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. Full refund and partial refund are available to be requested.

Online Refund Flow

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

Request Refund From Merchant for Direct Debit Transaction

post

Header parameters

X-TIMESTAMPstring · utc timestampRequired

Client's current local time in yyyy-MM- ddTHH:mm:ssTZD format

Example: 2020-12-21T07:56:11.000Z

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

Authorization-customerstringRequired

Access token obtained from B2B2C API

Example: Bearer fa8sjjEj813Y9JGoqwOeOPWbnt4CUpvIJbU1mMU4a11MNDZ7Sg5u9a

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

originalPartnerReferenceNostringRequired

Partner Reference No Purchase Transaction | max: 12 | Mandatory

Example: INV-0001

originalExternalIdstringOptional

External ID Purchase Transaction | max: 36 |

Example: REQ-0001

reasonstringOptional

Reason from customer | max: 255

Example: Request by Customer

partnerRefundNostringRequired

Partner Refund No| max: 12 | Mandatory

Example: INV-REF-0001

Responses

200

Successful

application/json

post

/direct-debit/core/v1/debit/refund

POST /direct-debit/core/v1/debit/refund HTTP/1.1
Host: {api-domain}
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
Accept: */*
Content-Length: 243

{
  "additionalInfo": {
    "channel": "DIRECT_DEBIT_BRI_SNAP"
  },
  "originalPartnerReferenceNo": "INV-0001",
  "originalExternalId": "REQ-0001",
  "refundAmount": {
    "value": "10000.00",
    "currency": "IDR"
  },
  "reason": "Request by Customer",
  "partnerRefundNo": "INV-REF-0001"
}

200

Successful

{
  "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"
}

Card Registration 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-card-unbind

Sample of Request Header, Request Body and Response Body

Notes:

Parameter with (*) is mandatory

Paramater without (*) is optional/conditional

Unbinding process from Merchant

post

Header parameters

X-TIMESTAMPstring · utc timestampRequired

Client's current local time in yyyy-MM- ddTHH:mm:ssTZD format

Example: 2020-12-21T07:56:11.000Z

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

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

tokenIdstringOptional

format: Value from getTokenB2B2C | max: 2048 | Mandatory

Example:

eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTg4MjI3NTQsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjAyLTE2OTAyNzUzNTM3OTgiLCJhY2NvdW50SWQiOiJjZTBhZWIyM2YyMmZhOTgxZWViNTE1MjFmZmNkYmUzNyJ9.QZ2z0p2PoCYbuBSId7LleLqTUwNyNIeM1PUSaV4DwGKO05l7xQ3EbpdAPK62hxKNcczKqQqGY2Om6rzS78s2Tj88dkDD2vl46o3xEPd_plqQW8ayFqS74Z_HcFJfdo-egqFv9rAX7qgiE5AJHSx_hFolET9B3o3Jx82lmQutnXOjYb5gW9PV0FCPIZRWOaXppOSJSVcmTvXZxF0KUID9-2QVmQ5aPZroHjShYJKGyUu-1tCPClD_CbZMCi3TxhKLnI3e2oIoK7VjXEsrJjuil8O1zZTT7_aXAGgTu5UcPCrc0U9_3Nj-wQlEjDpedMVypKAWATWBUVpMo2MAsBRDAw

Responses

200

Successful

application/json

post

/direct-debit/core/v1/registration-card-unbind

POST /direct-debit/core/v1/registration-card-unbind HTTP/1.1
Host: {api-domain}
X-TIMESTAMP: 2020-12-21T07:56:11.000Z
X-SIGNATURE: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5
X-PARTNER-ID: 821508239190
X-EXTERNAL-ID: 418075533589
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: 583

{
  "tokenId": "eyJhbGciOiJSUzI1NiJ9.eyJleHAiOjE2OTg4MjI3NTQsImlzcyI6IkRPS1UiLCJjbGllbnRJZCI6IkJSTi0wMjAyLTE2OTAyNzUzNTM3OTgiLCJhY2NvdW50SWQiOiJjZTBhZWIyM2YyMmZhOTgxZWViNTE1MjFmZmNkYmUzNyJ9.QZ2z0p2PoCYbuBSId7LleLqTUwNyNIeM1PUSaV4DwGKO05l7xQ3EbpdAPK62hxKNcczKqQqGY2Om6rzS78s2Tj88dkDD2vl46o3xEPd_plqQW8ayFqS74Z_HcFJfdo-egqFv9rAX7qgiE5AJHSx_hFolET9B3o3Jx82lmQutnXOjYb5gW9PV0FCPIZRWOaXppOSJSVcmTvXZxF0KUID9-2QVmQ5aPZroHjShYJKGyUu-1tCPClD_CbZMCi3TxhKLnI3e2oIoK7VjXEsrJjuil8O1zZTT7_aXAGgTu5UcPCrc0U9_3Nj-wQlEjDpedMVypKAWATWBUVpMo2MAsBRDAw",
  "additionalInfo": {
    "channel": "DIRECT_DEBIT_BRI_SNAP"
  }
}

200

Successful

{
  "responseCode": "2000500",
  "responseMessage": "Successful",
  "referenceNo": "UNB-0001",
  "redirectUrl": "https://doku.com/direct-debit/ui/binding/2238230713001534401107183161486001168389"
}

PreviousAllo Bank Direct Debit NextCIMB Direct Debit

Last updated 6 months ago

hashtagIntegration Steps

hashtag1. Card Registration

hashtagAPI Endpoint

hashtagRegister card for direct debit BRI

hashtag2. OTP Verification

hashtagAPI Endpoint

hashtagOTP Verification for Payment BRI

hashtag3. Payment

hashtagPayment - Tokenization

hashtagPayment - Recurring

hashtagAPI Endpoint

hashtagRequest Payment From Merchant for Direct Debit BRI

hashtag4. Payment Notification

hashtag5. Additional Feature

hashtagOnline Refund

hashtagAPI Endpoint

hashtagRequest Refund From Merchant for Direct Debit Transaction

hashtagCard Registration Unbinding

hashtagAPI Endpoint

hashtagUnbinding process from Merchant

Integration Steps

1. Card Registration

API Endpoint

Register card for direct debit BRI

2. OTP Verification

API Endpoint

OTP Verification for Payment BRI

3. Payment

Payment - Tokenization

Payment - Recurring

API Endpoint

Request Payment From Merchant for Direct Debit BRI

4. Payment Notification

5. Additional Feature

Online Refund

API Endpoint

Request Refund From Merchant for Direct Debit Transaction

Card Registration Unbinding

API Endpoint

Unbinding process from Merchant