Payment Method Options Object

{
  "id": "ea35b4d0-79fc-461b-84a0-a4e8e64eecd9",
  "card": {
    "captureMethod": "automatic", // "MANUAL" for Capture later
    "threeDsMethod": "CHALLENGE", // "NEVER" for Non 3DS, "EXTERNAL" for using own MPI
    "processingConfig": {
      "bankMerchantId": null,
      "merchantIdTag": null
    },
    "threeDsInfo": { // Applicable for `threeDsMethod` = EXTERNAL
      "transactionId": "019b9cd3-72ea-7e13-a6e6-1bffcd279195",
      "threeDsVersion": "2.2.0",
      "eci": "05",
      "transactionStatus": "Y",
      "authenticationScheme": "VISA",
      "acsTransactionId": "223e4567-e89b-12d3-a456-426614174999",
      "acsReference": "ACS_REF_001",
      "authenticationTime": "2026-04-20T23:59:59Z",
      "mcc": "7399"
    },
    "cardOnFile": { // Recurring Payment for Network Token Authorization
      "initiator": "CUSTOMER",
      "type": "SCHEDULED",
      "previousNetworkTransactionId": "12345678901"
    },
    "installment": null
  },
  "virtualAccount": {
    "channel": "BRI",
    "virtualAccountName": "Reforza Pivot",
    "virtualAccountNumber": "999996",
    "expiryAt": "2025-03-30T23:59:05Z"
  },
  "ewallet": {
    "channel": "DANA",
    "expiryAt": "2025-03-30T23:59:05Z"
  },
  "qr": {
    "expiryAt": "2025-03-30T23:59:05Z"
  }
}

Detail Payment Method Options Object

Parameter	Data Type	Character Limit	Requirement	Description
id	String	-	O	Identifier for stored preset payment method options
card	Object	-	O	Cards Payment Options, Mandatory if payment method types selected is CARDS
captureMethod	String	-	O	If merchant wanted to manually capture, possible values: automatic manual
threeDsMethod	String	-	O	We will try to provide options for three_ds later, possible values: AUTOMATIC (DEFAULT) NEVER CHALLENGE EXTERNAL
processingConfig	Object	-	O	Only for Facilitator model, to pass the bank MID they want to route this transaction to
bankMerchantId	String	0-50	C
merchantIdTag	String	0-50	C
threeDsInfo	Object	-	C	Applicable for threeDsMethod = EXTERNAL
transactionId	String	1-50	M	Unique Transaction ID from authentication result
threeDsVersion	String	1-20	M	Indicates the 3DS version
eci	String		M	Possible values are: 01 02 05 06 07
transactionStatus	String		M	Possible values are: Y — Authentication / Account verification successful N — Not authenticated / Account not verified; Transaction denied U — Authentication / Account verification could not be performed; technical or other problem A — Attempts processing performed; Not authenticated / verified, but a proof of attempt authentication / verification is provided R — Authentication / Account verification Rejected. Issuer is rejecting authentication / verification and request that authorization not be attempted
authenticationScheme	String		M	Card Principal possible values are: VISA MASTERCARD JCB AMEX UNIONPAY
acsTransactionId	String	0-36	O
acsReference	String	0-32	O
authenticationTime	String		O	Authentication Time with format YYYY-MM-DDTHH:MM:SSZ.
mcc	String		O	Merchant Category Code
cardOnFile	Object	-	C	Recurring Payment for Network Token Authorization
initiator	String		M	Initiator possible values are: CUSTOMER — Cardholder is present / active (CIT); first subscription signup MERCHANT — System-triggered, no cardholder involvement (MIT); monthly recurring charge
type	String		M	Type possible values are: SCHEDULED — fixed amount at fixed intervals (Monthly subscription) UNSCHEDULE — variable amount or non-fixed intervals (e.g., auto top-up) INSTALLMENT — fixed number of charges splitting a single purchase
previousNetworkTransactionId	String		C	Mandatory if initiator = MERCHANT Network transaction ID from the original CIT, chained into all subsequent MITs.
installment	Object	-	O	Installment Object
virtualAccount	Object	-	O
channel	String	1-100	O	Virtual Account Bank Name, possible values are DANAMON BNI MANDIRI BSI BCA BNC CIMB BRI MANDIRI etc
virtualAccountName	String	0-100	O	All Virtual Account Name will use merchant short name For some banks that can perform custom name, this field will be used
virtualAccountNumber	String	0-100	O	The corresponding virtual account number that can be used by Customers to send payments to If merchants want to have their custom number they can pass this field within Static configuration range number in Dashboard Default Static Range: Limitation
expiryAt	String	-	C	VA expiration time format YYYY-MM-DDTHH:MM:SSZ For Payment Type = MULTIPLE, don't necessarily send the Expiry At value
ewallet	Object	-	O
channel	String	-	O	Ewallet channel, possible values are DANA SHOPEEPAY OVO
expiryAt	String	-	M	Payment expiration time format YYYY-MM-DDTHH:MM:SSZ
qr	Object	-	O
expiryAt	String	-	C	Payment expiration time format YYYY-MM-DDTHH:MM:SSZ For Payment Type = MULTIPLE, don't necessarily send the Expiry At value