> For the complete documentation index, see [llms.txt](https://pivot-payment.gitbook.io/pivot-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://pivot-payment.gitbook.io/pivot-docs/api-references/api-lists/payments/payment-session/create-payment-session.md).

# Create Payment Session

## Method and URL

<mark style="color:green;">`POST`</mark> \[<mark style="color:orange;">BASE\_URL</mark>]/v2/payments

## Request

### **Payment UI**

<details>

<summary>Pivot's Payment UI </summary>

```json
{
  "clientReferenceId": "1751612565",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "mode": "REDIRECT",
  "bypassStatusPage": false,
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "reforza@pivot-payment.com",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": {
    "productDetails": [
      {
        "type": "PHYSICAL",
        "category": "FASHION",
        "subCategory": "FASHION WANITA",
        "name": "Dress Kasual Warna Putih",
        "description": "Ukuran M",
        "quantity": 1,
        "price": {
          "value": 100000,
          "currency": "IDR"
        }
      }
    ],
    "billingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331"
    },
    "shippingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331",
      "method": "REGULAR",
      "shippingFee": {
        "value": 100000,
        "currency": "IDR"
      }
    }
  },
  "autoConfirm": false,
  "statementDescriptor": "Reforza Pivot",
  "expiryAt": "2025-12-30T23:59:00Z",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

</details>

### **Card Payment Method**

{% hint style="info" %}
If you plan to embed our Payment Redirection page using an iframe, please submit your website domain to us for whitelisting
{% endhint %}

<details>

<summary>Pivot's Payment Redirection</summary>

```json
{
  "clientReferenceId": "1751610085",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "CARD"
  },
  "paymentMethodOptions": {
    "card": {
      "captureMethod": "automatic", // "MANUAL" for Capture later
      "threeDsMethod": "CHALLENGE" // "NEVER" for Non 3DS
    }
  },
  "mode": "REDIRECT",
  "bypassStatusPage": false,
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "reforza@pivot-payment.com",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": { 
    "productDetails": [
      {
        "type": "PHYSICAL",
        "category": "FASHION",
        "subCategory": "FASHION WANITA",
        "name": "Dress Kasual Warna Putih",
        "description": "Ukuran M",
        "quantity": 1,
        "price": {
          "value": 100000,
          "currency": "IDR"
        }
      }
    ],
    "billingInfo": { // Mandatory for Foreign Card with AVS
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331"
    },
    "shippingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331",
      "method": "REGULAR",
      "shippingFee": {
        "value": 100000,
        "currency": "IDR"
      }
    }
  },
  "autoConfirm": true,
  "statementDescriptor": "Reforza Pivot",
  "expirationMode": "STRICT",
  "expiryAt": "2025-12-30T23:59:00Z",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

</details>

<details>

<summary>Merchant's customized Payment Page — Card Encryption</summary>

How to build reference: [Card Customized Payment Page (Encryption)](/pivot-docs/payments/accept-payment/build-card-payment-use-case/card-customized-payment-page-encryption.md)

```json
{
  "clientReferenceId": "1751620870",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "CARD"
  },
  "paymentMethodOptions": {
    "card": {
      "captureMethod": "automatic", // "MANUAL" for Capture later
      "threeDsMethod": "CHALLENGE" // "NEVER" for Non 3DS, "EXTERNAL" for using own MPI 
    }
  },
  "mode": "API",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "reforza@pivot-payment.com",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": { 
    "productDetails": [
      {
        "type": "PHYSICAL",
        "category": "FASHION",
        "subCategory": "FASHION WANITA",
        "name": "Dress Kasual Warna Putih",
        "description": "Ukuran M",
        "quantity": 1,
        "price": {
          "value": 100000,
          "currency": "IDR"
        }
      }
    ],
    "billingInfo": { // Mandatory for Foreign Card with AVS
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331"
    },
    "shippingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331",
      "method": "REGULAR",
      "shippingFee": {
        "value": 100000,
        "currency": "IDR"
      }
    }
  },
  "autoConfirm": false,
  "statementDescriptor": "Reforza Pivot",
  "expirationMode": "STRICT",
  "expiryAt": "2025-12-30T23:59:00Z",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

</details>

<details>

<summary>Save Card with Pivot's Payment Redirection (Card Tokenization)</summary>

**Initiation**

Enable "Save Payment Information Detail" option for your customers when the Charge is <mark style="color:orange;">`SUCCESS`</mark> We will save your Customer's Payment Information Detail in Token format under your Customer Object

How to build reference: [Pay and Save Card (Tokenization)](/pivot-docs/payments/accept-payment/build-card-payment-use-case/pay-and-save-card-tokenization.md)

```json
{
  "clientReferenceId": "1751610085",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "CARD"
  },
  "paymentMethodOptions": {
    "card": {
      "captureMethod": "automatic", // "MANUAL" for Capture later
      "threeDsMethod": "CHALLENGE" // "NEVER" for Non 3DS
    }
  },
  "saveForFuture": true,
  "showSavedPayment": null,
  "mode": "REDIRECT",
  "bypassStatusPage": false,
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "reforza@pivot-payment.com",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": { 
    "productDetails": [
      {
        "type": "PHYSICAL",
        "category": "FASHION",
        "subCategory": "FASHION WANITA",
        "name": "Dress Kasual Warna Putih",
        "description": "Ukuran M",
        "quantity": 1,
        "price": {
          "value": 100000,
          "currency": "IDR"
        }
      }
    ],
    "billingInfo": { // Mandatory for Foreign Card with AVS
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331"
    },
    "shippingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331",
      "method": "REGULAR",
      "shippingFee": {
        "value": 100000,
        "currency": "IDR"
      }
    }
  },
  "autoConfirm": true,
  "statementDescriptor": "Reforza Pivot",
  "expirationMode": "STRICT",
  "expiryAt": "2025-12-30T23:59:00Z",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

**Use Tokenized Card**

Reuse your customers' saved Payment Information details so that they can check out faster

{% hint style="info" %}
Stored Payment Method links to your <mark style="color:orange;">`customerId`</mark>
{% endhint %}

```json
{
  "clientReferenceId": "1751610085",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "CARD"
  },
  "paymentMethodOptions": {
    "card": {
      "captureMethod": "automatic", // "MANUAL" for Capture later
      "threeDsMethod": "CHALLENGE" // "NEVER" for Non 3DS
    }
  },
  "saveForFuture": true,
  "showSavedPayment": true,
  "mode": "REDIRECT",
  "bypassStatusPage": false,
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customerId": "01975d90-bb55-76f6-b423-691c7868e85d",
  "orderInformation": {
    "productDetails": [
      {
        "type": "PHYSICAL",
        "category": "FASHION",
        "subCategory": "FASHION WANITA",
        "name": "Dress Kasual Warna Putih",
        "description": "Ukuran M",
        "quantity": 1,
        "price": {
          "value": 100000,
          "currency": "IDR"
        }
      }
    ],
    "billingInfo": { // Mandatory for Foreign Card with AVS
      "givenName": "Reforza Jordan",
      "sureName": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331"
    },
    "shippingInfo": {
      "givenName": "Reforza Jordan",
      "sureName": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331",
      "method": "REGULAR",
      "shippingFee": {
        "value": 100000,
        "currency": "IDR"
      }
    }
  },
  "autoConfirm": true,
  "statementDescriptor": "Reforza Pivot",
  "expirationMode": "STRICT",
  "expiryAt": "2025-12-30T23:59:00Z",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

</details>

<details>

<summary>Save Card with Merchant's customized Payment Page (Card Tokenization)</summary>

**Initiation**

Enable "Save Payment Information Detail" option for your customers when the Charge is <mark style="color:orange;">`SUCCESS`</mark> We will save your Customer's Payment Information Detail in Token format under your Customer Object

How to build reference: [Pay and Save Card (Tokenization)](/pivot-docs/payments/accept-payment/build-card-payment-use-case/pay-and-save-card-tokenization.md)

```json
{
  "clientReferenceId": "1751620870",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "CARD"
  },
  "saveForFutureUse": true,
  "mode": "API",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "reforza@pivot-payment.com",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": { 
    "productDetails": [
      {
        "type": "PHYSICAL",
        "category": "FASHION",
        "subCategory": "FASHION WANITA",
        "name": "Dress Kasual Warna Putih",
        "description": "Ukuran M",
        "quantity": 1,
        "price": {
          "value": 100000,
          "currency": "IDR"
        }
      }
    ],
    "billingInfo": { // Mandatory for Foreign Card with AVS
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331"
    },
    "shippingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331",
      "method": "REGULAR",
      "shippingFee": {
        "value": 100000,
        "currency": "IDR"
      }
    }
  },
  "autoConfirm": false,
  "statementDescriptor": "Reforza Pivot",
  "expirationMode": "STRICT",
  "expiryAt": "2025-12-30T23:59:00Z",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

**Use Tokenized Card**

Reuse your customers' saved Payment Information details so that they can check out faster

{% hint style="info" %}
Stored Payment Method links to your <mark style="color:orange;">`customerId`</mark>
{% endhint %}

```json
{
  "clientReferenceId": "1751620870",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "CARD",
    "card": {
      "token": "020027de-134e-45ed-8f0d-7ae0506a7133",
      "cvc": "123"
    }
  },
  "paymentMethodOptions": {
    "card": {
      "captureMethod": "automatic", // "MANUAL" for Capture later
      "threeDsMethod": "CHALLENGE" // "NEVER" for Non 3DS
    }
  },
  "saveForFutureUse": true,
  "mode": "API",
  "customerId": "01975d90-bb55-76f6-b423-691c7868e85d",
  "orderInformation": { 
    "productDetails": [
      {
        "type": "PHYSICAL",
        "category": "FASHION",
        "subCategory": "FASHION WANITA",
        "name": "Dress Kasual Warna Putih",
        "description": "Ukuran M",
        "quantity": 1,
        "price": {
          "value": 100000,
          "currency": "IDR"
        }
      }
    ],
    "billingInfo": { // Mandatory for Foreign Card with AVS
      "givenName": "Reforza Jordan",
      "sureName": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331"
    },
    "shippingInfo": {
      "givenName": "Reforza Jordan",
      "sureName": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331",
      "method": "REGULAR",
      "shippingFee": {
        "value": 100000,
        "currency": "IDR"
      }
    }
  },
  "autoConfirm": true,
  "statementDescriptor": "Reforza Pivot",
  "expirationMode": "STRICT",
  "expiryAt": "2025-12-30T23:59:00Z",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

</details>

<details>

<summary>Subscription and Automated Billing (Recurring)</summary>

How to build reference: [Subscription and Automated Billing (Recurring)](/pivot-docs/payments/accept-payment/build-card-payment-use-case/subscription-and-automated-billing-recurring.md)

**Create Recurring**&#x20;

Create your plans, pricing, intervals, and trial settings: [Create Recurring](/pivot-docs/api-references/api-lists/payments/recurring/create-recurring.md)

**First Authorization**

Initiate the first Authorization of your Customer's Card Information

{% hint style="info" %}
Authorize your Customer's Card Information using the Card Encryption flow: [Card Customized Payment Page (Encryption)](/pivot-docs/payments/accept-payment/build-card-payment-use-case/card-customized-payment-page-encryption.md)
{% endhint %}

```json
{
  "clientReferenceId": "1751620870",
  "paymentMethod": {
    "type": "CARD"
  },
  "mode": "API",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "autoConfirm": false,
  "expiryAt": "2025-12-30T23:59:00Z",
  "recurringId": "019d619e-3269-76ca-ac0c-07a2252de309",
  "initiateFirstAuthorization": true,
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

**Subsequent Transaction (Merchant managed scheduler)**

Once the card is authorized and stored as a token, your scheduler is ready to charge the customer's bill

{% hint style="info" %}
Recurring Plan & Stored Payment Method links to your <mark style="color:orange;">`customerId`</mark>&#x20;
{% endhint %}

```json
{
  "clientReferenceId": "1751620870",
  "mode": "API",  
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "autoConfirm": true,
  "expiryAt": "2025-12-30T23:59:00Z",
  "recurringId": "019d619e-3269-76ca-ac0c-07a2252de309",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

**Update Payment Method for ongoing Recurring Plan**

You need to re-authorize your new Customer's Card Information without disrupting the ongoing Billing cycle. Default authorization is <mark style="color:orange;">`ONE_DOLLAR`</mark>

{% hint style="info" %}
&#x20;Utilize ongoing  <mark style="color:orange;">`recurringId`</mark> to update your customers' Payment Method
{% endhint %}

```json
Update New Payment Method (Card Encryption Flow)

{
  "clientReferenceId": "1751620870",
  "paymentMethod": {
    "type": "CARD"
  },
  "mode": "API",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "autoConfirm": false,
  "expiryAt": "2025-12-30T23:59:00Z",
  "recurringId": "019d619e-3269-76ca-ac0c-07a2252de309",
  "initiateFirstAuthorization": true,
  "metadata": {
    "invoiceNo": "INV001"
  }
}

Update Payment Method with saved Tokenized Card
{
  "clientReferenceId": "1751620870",
  "paymentMethod": {
    "type": "CARD",
    "card": {
      "token": "020027de-134e-45ed-8f0d-7ae0506a7133",
      "cvc": "123"
    }
  },
  "mode": "API",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "autoConfirm": true,
  "expiryAt": "2025-12-30T23:59:00Z",
  "recurringId": "019d619e-3269-76ca-ac0c-07a2252de309",
  "initiateFirstAuthorization": true,
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

</details>

### Virtual Account Payment Method

<details>

<summary>Pivot's Payment Redirection</summary>

```json
{
  "clientReferenceId": "1751610085",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "VIRTUAL_ACCOUNT"
  },
  "paymentMethodOptions": {
    "virtualAccount": {
      "channel": "PERMATA",
      "virtualAccountName": "Reforza Pivot"
    }
  },
  "mode": "REDIRECT",
  "bypassStatusPage": false,
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "reforza@pivot-payment.com",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": {
    "productDetails": [
      {
        "type": "PHYSICAL",
        "category": "FASHION",
        "subCategory": "FASHION WANITA",
        "name": "Dress Kasual Warna Putih",
        "description": "Ukuran M",
        "quantity": 1,
        "price": {
          "value": 100000,
          "currency": "IDR"
        }
      }
    ],
    "billingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331"
    },
    "shippingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331",
      "method": "REGULAR",
      "shippingFee": {
        "value": 100000,
        "currency": "IDR"
      }
    }
  },
  "autoConfirm": true,
  "statementDescriptor": "Reforza Pivot",
  "expiryAt": "2025-12-30T23:59:00Z",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

</details>

<details>

<summary>Merchant's customized Payment Page</summary>

```json
{
  "clientReferenceId": "1751610085",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "VIRTUAL_ACCOUNT"
  },
  "paymentMethodOptions": {
    "virtualAccount": {
      "channel": "PERMATA",
      "virtualAccountName": "Reforza Pivot"
    }
  },
  "mode": "API",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "reforza@pivot-payment.com",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": {
    "productDetails": [
      {
        "type": "PHYSICAL",
        "category": "FASHION",
        "subCategory": "FASHION WANITA",
        "name": "Dress Kasual Warna Putih",
        "description": "Ukuran M",
        "quantity": 1,
        "price": {
          "value": 100000,
          "currency": "IDR"
        }
      }
    ],
    "billingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331"
    },
    "shippingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331",
      "method": "REGULAR",
      "shippingFee": {
        "value": 100000,
        "currency": "IDR"
      }
    }
  },
  "autoConfirm": true,
  "statementDescriptor": "Reforza Pivot",
  "expiryAt": "2025-12-30T23:59:00Z",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

</details>

<details>

<summary>Virtual Account Static with Merchant's customized Payment Page</summary>

How to build reference: [Build Static Payment](/pivot-docs/payments/accept-payment/build-static-payment.md)

{% hint style="info" %}
Make sure <mark style="color:orange;">`virtualAccountNumber`</mark> within our default Static Range or your Configuration range:

<https://dashboard.pivot-payment.com/static-payment/virtual-account/range>
{% endhint %}

```json
{
  "clientReferenceId": "1751610085",
  "amount": { // Mandatory if VA is Closed Static
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "MULTIPLE",
  "paymentMethod": {
    "type": "VIRTUAL_ACCOUNT"
  },
  "paymentMethodOptions": {
    "virtualAccount": {
      "channel": "PERMATA",
      "virtualAccountName": "Reforza Pivot",
      "virtualAccountNumber": "00000001"
    }
  },
  "mode": "API",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "reforza@pivot-payment.com",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": {
    "productDetails": [
      {
        "type": "PHYSICAL",
        "category": "FASHION",
        "subCategory": "FASHION WANITA",
        "name": "Dress Kasual Warna Putih",
        "description": "Ukuran M",
        "quantity": 1,
        "price": {
          "value": 100000,
          "currency": "IDR"
        }
      }
    ],
    "billingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331"
    },
    "shippingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331",
      "method": "REGULAR",
      "shippingFee": {
        "value": 100000,
        "currency": "IDR"
      }
    }
  },
  "autoConfirm": true,
  "statementDescriptor": "Reforza Pivot",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

</details>

### **QR Payment Method**

<details>

<summary>Pivot's Payment Redirection</summary>

```json
{
  "clientReferenceId": "1751610085",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "QR"
  },
  "paymentMethodOptions": {
    "qr": {
      "expiryAt": "2025-12-30T23:59:00Z"
    }
  },
  "mode": "REDIRECT",
  "bypassStatusPage": false,
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "reforza@pivot-payment.com",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": {
    "productDetails": [
      {
        "type": "PHYSICAL",
        "category": "FASHION",
        "subCategory": "FASHION WANITA",
        "name": "Dress Kasual Warna Putih",
        "description": "Ukuran M",
        "quantity": 1,
        "price": {
          "value": 100000,
          "currency": "IDR"
        }
      }
    ],
    "billingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331"
    },
    "shippingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331",
      "method": "REGULAR",
      "shippingFee": {
        "value": 100000,
        "currency": "IDR"
      }
    }
  },
  "autoConfirm": true,
  "statementDescriptor": "Reforza Pivot",
  "expiryAt": "2025-12-30T23:59:00Z",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

</details>

<details>

<summary>Merchant's customized Payment Page</summary>

```json
{
  "clientReferenceId": "1751610085",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "QR"
  },
  "paymentMethodOptions": {
    "qr": {
      "expiryAt": "2025-12-30T23:59:00Z"
    }
  },
  "mode": "API",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "reforza@pivot-payment.com",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": {
    "productDetails": [
      {
        "type": "PHYSICAL",
        "category": "FASHION",
        "subCategory": "FASHION WANITA",
        "name": "Dress Kasual Warna Putih",
        "description": "Ukuran M",
        "quantity": 1,
        "price": {
          "value": 100000,
          "currency": "IDR"
        }
      }
    ],
    "billingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331"
    },
    "shippingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331",
      "method": "REGULAR",
      "shippingFee": {
        "value": 100000,
        "currency": "IDR"
      }
    }
  },
  "autoConfirm": true,
  "statementDescriptor": "Reforza Pivot",
  "expiryAt": "2025-12-30T23:59:00Z",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

</details>

<details>

<summary>QR Static with Merchant's customized Payment Page</summary>

How to build reference: [Build Static Payment](/pivot-docs/payments/accept-payment/build-static-payment.md)

```json
{
  "clientReferenceId": "1751610085",
  "paymentType": "MULTIPLE",
  "paymentMethod": {
    "type": "QR"
  },
  "mode": "API",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "reforza@pivot-payment.com",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": {
    "productDetails": [
      {
        "type": "PHYSICAL",
        "category": "FASHION",
        "subCategory": "FASHION WANITA",
        "name": "Dress Kasual Warna Putih",
        "description": "Ukuran M",
        "quantity": 1,
        "price": {
          "value": 100000,
          "currency": "IDR"
        }
      }
    ],
    "billingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331"
    },
    "shippingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331",
      "method": "REGULAR",
      "shippingFee": {
        "value": 100000,
        "currency": "IDR"
      }
    }
  },
  "autoConfirm": true,
  "statementDescriptor": "Reforza Pivot",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

</details>

### **E-Wallet Payment Method**

{% hint style="info" %} <mark style="color:orange;">`channel`</mark> = DANA limitation:&#x20;

1. Does not support embedding a page using an iframe
2. Single Redirect URL handling for Success, Failure, and Expired cases. Pivot will use <mark style="color:orange;">`redirectUrl.successReturnUrl`</mark> as a source
   {% endhint %}

<details>

<summary>Pivot's Payment Redirection</summary>

```json
{
  "clientReferenceId": "1751610085",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "EWALLET"
  },
  "paymentMethodOptions": {
    "ewallet": {
      "channel": "SHOPEEPAY"
    }
  },
  "mode": "REDIRECT",
  "bypassStatusPage": false,
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "reforza@pivot-payment.com",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": {
    "productDetails": [
      {
        "type": "PHYSICAL",
        "category": "FASHION",
        "subCategory": "FASHION WANITA",
        "name": "Dress Kasual Warna Putih",
        "description": "Ukuran M",
        "quantity": 1,
        "price": {
          "value": 100000,
          "currency": "IDR"
        }
      }
    ],
    "billingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331"
    },
    "shippingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331",
      "method": "REGULAR",
      "shippingFee": {
        "value": 100000,
        "currency": "IDR"
      }
    }
  },
  "autoConfirm": true,
  "statementDescriptor": "Reforza Pivot",
  "expiryAt": "2025-12-30T23:59:00Z",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

</details>

<details>

<summary>Merchant's customized Payment Page</summary>

```json
{
  "clientReferenceId": "1751610085",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "EWALLET"
  },
  "paymentMethodOptions": {
    "ewallet": {
      "channel": "SHOPEEPAY"
    }
  },
  "mode": "API",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "reforza@pivot-payment.com",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": {
    "productDetails": [
      {
        "type": "PHYSICAL",
        "category": "FASHION",
        "subCategory": "FASHION WANITA",
        "name": "Dress Kasual Warna Putih",
        "description": "Ukuran M",
        "quantity": 1,
        "price": {
          "value": 100000,
          "currency": "IDR"
        }
      }
    ],
    "billingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331"
    },
    "shippingInfo": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "addressLine1": "Biomedical Building Lantai 3",
      "addressLine2": "Digital hub, BSD City",
      "city": "Tangerang Regency",
      "provinceState": "Banten",
      "country": "ID",
      "postalCode": "15331",
      "method": "REGULAR",
      "shippingFee": {
        "value": 100000,
        "currency": "IDR"
      }
    }
  },
  "autoConfirm": true,
  "statementDescriptor": "Reforza Pivot",
  "expiryAt": "2025-12-30T23:59:00Z",
  "metadata": {
    "invoiceNo": "INV001"
  }
}
```

</details>

**Detail Parameter Request**

<table><thead><tr><th width="212.58984375">Parameter</th><th width="132.98046875">Data Type</th><th width="114.7509765625">Character Limit</th><th width="119.09375">Requirement</th><th width="270.0029296875">Description</th></tr></thead><tbody><tr><td>clientReferenceId</td><td>Alphanumeric</td><td>1-100</td><td>M</td><td>Unique Payment Reference from Merchant's Request</td></tr><tr><td>amount</td><td>Object</td><td>-</td><td>M</td><td><a data-mention href="/pages/Foeq3eyfnM9O2anL1Vby">/pages/Foeq3eyfnM9O2anL1Vby</a><br>Total Payment amount</td></tr><tr><td>paymentType</td><td>String</td><td>-</td><td>O</td><td><p>Default to SINGLE</p><p></p><p>Payment Type possible values are:</p><ul><li>SINGLE</li><li>MULTIPLE</li></ul><p></p><p>Definition:</p><ul><li><mark style="color:orange;"><code>SINGLE</code></mark>: Payment Session can only be charged once</li><li><mark style="color:orange;"><code>MULTIPLE</code></mark>: Payment Session can be charged multiple times, and Payment Session Status is always <mark style="color:orange;"><code>Active</code></mark></li></ul><p><br>Applicable only for Payment Method Type <mark style="color:orange;"><code>QR</code></mark> and <mark style="color:orange;"><code>VIRTUAL_ACCOUNT</code></mark></p></td></tr><tr><td>paymentMethod</td><td>Object</td><td>-</td><td>O</td><td><a data-mention href="/pages/yLhv0LHOksPwPOX2zgF3">/pages/yLhv0LHOksPwPOX2zgF3</a></td></tr><tr><td>paymentMethodOptions</td><td>Object</td><td>-</td><td>C</td><td><a data-mention href="/pages/6wC3JTxLDK81BsSTalsl">/pages/6wC3JTxLDK81BsSTalsl</a></td></tr><tr><td>saveForFutureUse</td><td>Boolean</td><td>-</td><td>O</td><td><p>Store Payment Information detail in Token format in <a data-mention href="/pages/lkA57A4pSG5HfyjfuzJr">/pages/lkA57A4pSG5HfyjfuzJr</a> for <mark style="color:orange;"><code>CARD</code></mark> &#x26; <mark style="color:orange;"><code>EWALLET</code></mark>  Payment method whenever the charge is <mark style="color:orange;"><code>SUCCESS</code></mark></p><p></p><p>Default to false<br><br>Possible values are:</p><ul><li>true</li><li>false</li></ul></td></tr><tr><td>showSavedPayment</td><td>Boolean</td><td>-</td><td>O</td><td><p>Show saved Payment Information for <mark style="color:orange;"><code>CARD</code></mark> &#x26; <mark style="color:orange;"><code>EWALLET</code></mark>  Payment method in Payment Redirection</p><p></p><p>Default to false, applicable only for <mark style="color:orange;"><code>REDIRECT</code></mark> mode<br><br>Possible values are:</p><ul><li>true</li><li>false</li></ul></td></tr><tr><td>mode</td><td>String</td><td>-</td><td>O</td><td><p>Default to REDIRECT</p><p></p><p>Payment Session mode. Possible values are:</p><ul><li>REDIRECT will return redirectUrl</li><li>API</li></ul></td></tr><tr><td>bypassStatusPage</td><td>Boolean</td><td>-</td><td>O</td><td><p>Bypass Pivot's Status Page after your customer completing the Payment, directly redirect to your URLs</p><p></p><p>Default to false, applicable only for <mark style="color:orange;"><code>REDIRECT</code></mark> mode<br><br>Possible values are:</p><ul><li>true</li><li>false</li></ul></td></tr><tr><td>redirectUrl</td><td>Object</td><td>-</td><td>M</td><td><a data-mention href="/pages/S8SLvqfKIqgU91J1gRyS">/pages/S8SLvqfKIqgU91J1gRyS</a><br><br>URL for redirection</td></tr><tr><td>customerId</td><td>String</td><td>0-255</td><td>O</td><td>Auto generated based on email as the unique identifier<br><br>*Choose either to send customerId or customer Object</td></tr><tr><td>customer</td><td>Object</td><td>-</td><td>C</td><td><a data-mention href="/pages/lkA57A4pSG5HfyjfuzJr">/pages/lkA57A4pSG5HfyjfuzJr</a><br><br>Customer information<br><br>*Choose either to send customerId or customer Object</td></tr><tr><td>orderInformation</td><td>Object</td><td>-</td><td>M</td><td><a data-mention href="/pages/VPbA2N3A4KfXIcUYnAtT">/pages/VPbA2N3A4KfXIcUYnAtT</a><br><br>Order information</td></tr><tr><td>autoConfirm</td><td>Boolean</td><td>-</td><td>O</td><td><p>Default to true</p><p><br>If the confirmation method is set to false. Then clients need to hit the /confirm endpoint</p></td></tr><tr><td>statementDescriptor</td><td>String</td><td>0-20</td><td>O</td><td><p>Default = Merchant’s short name</p><p></p><p>Statement descriptors allow a maximum 20 characters for all the concatenated characters (including space). </p><p></p><p>It will be shown on invoice, receipt, and for payment methods that support custom descriptors, it will be shown on the customer's bank statement.<br></p></td></tr><tr><td>expirationMode</td><td>String</td><td>-</td><td>O</td><td><p>Default to LOOSE</p><p></p><p>Payment Type possible values are:</p><ul><li>LOOSE</li><li>STRICT</li></ul><p></p><p>Definition:</p><ul><li><mark style="color:orange;"><code>LOOSE</code></mark>: Expiry depends on processor rules</li><li><mark style="color:orange;"><code>STRICT</code></mark>: Expiry depends on merchant rules</li></ul><p><br>Applicable only for Payment Method Type <mark style="color:orange;"><code>CARD</code></mark> and <mark style="color:orange;"><code>EWALLET</code></mark></p></td></tr><tr><td>expiryAt</td><td>String</td><td>-</td><td>O</td><td>Session expired time set by merchant with format YYYY-MM-DDTHH:MM:SSZ. The default expiration time is 15 mins.<br><br>For Payment Type = <mark style="color:orange;"><code>MULTIPLE</code></mark>, don't necessarily send the Expiry At value</td></tr><tr><td>recurringId</td><td>String</td><td>-</td><td>C</td><td>Unique Recurring Reference<br><br>Applicable for subscription and automated billing integration</td></tr><tr><td>initiateFirstAuthorization</td><td>Boolean</td><td>-</td><td>C</td><td><p>Perform first authorization for new and updated Card information detail<br></p><p>Applicable for subscription and automated billing integration<br></p><p>Possible values are:</p><ul><li>true</li><li>false</li></ul></td></tr><tr><td>metadata</td><td>Object</td><td>-</td><td>O</td><td>Free object for merchant to store any extra information about the payment session</td></tr></tbody></table>

## Response

### **Payment UI**

<details>

<summary>Pivot's Payment UI</summary>

```json
{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "a97224e6-9f1d-4839-9a4c-62d334c35899",
    "clientReferenceId": "1751612565",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": false,
    "mode": "REDIRECT",
    "bypassStatusPage": false,
    "redirectUrl": {
      "successReturnUrl": "https://merchant.com/success",
      "failureReturnUrl": "https://merchant.com/failure",
      "expirationReturnUrl": "https://merchant.com/expiration"
    },
    "paymentType": "SINGLE",
    "paymentMethod": null,
    "statementDescriptor": "Reforza Pivot",
    "status": "REQUIRE_CONFIRMATION",
    "createdAt": "2025-10-02T08:38:37.008529109Z",
    "updatedAt": "2025-10-02T08:38:37.008529249Z",
    "expiryAt": "2025-10-30T04:10:43Z",
    "paymentUrl": "https://pay.pivot-payment.com/detail?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ1dWlkIjoiYTk3MjI0ZTYtOWYxZC00ODM5LTlhNGMtNjJkMzM0YzM1ODk5IiwiaXNzIjoiYmFja2VuZC1wb3J0YWwiLCJleHAiOjE3NjE3OTc0NDN9.EzTa8rz4ipiUfZJgA79D75fsd2DgPaNJNagFpbK2zGY",
    "chargeDetails": null,
    "customerId": "0197e3f5-1a17-7d43-b2f9-1b51479fb8a9",
    "customer": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990001"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}
```

</details>

### Card Payment Method

<details>

<summary>Pivot's Payment Redirection</summary>

```json
{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "9a08c652-f59d-45ea-8828-4b616d80db57",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "REDIRECT",
    "bypassStatusPage": false,
    "redirectUrl": {
      "successReturnUrl": "https://merchant.com/success",
      "failureReturnUrl": "https://merchant.com/failure",
      "expirationReturnUrl": "https://merchant.com/expiration"
    },
    "paymentType": "SINGLE",
    "paymentMethod": {
      "type": "CARD"
    },
    "statementDescriptor": "Reforza Pivot",
    "expirationMode": "STRICT",
    "status": "REQUIRE_ACTION",
    "createdAt": "2025-10-02T08:50:44.142545061Z",
    "updatedAt": "2025-10-02T08:50:44.159516672Z",
    "expiryAt": "2025-10-30T04:10:43Z",
    "paymentUrl": "https://pay.pivot-payment.com/detail?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ1dWlkIjoiOWEwOGM2NTItZjU5ZC00NWVhLTg4MjgtNGI2MTZkODBkYjU3IiwiaXNzIjoiYmFja2VuZC1wb3J0YWwiLCJleHAiOjE3NjE3OTc0NDN9.W7M__xdfnFkYRsNsdrhkLk0f89lrHNYJDQWENlodz9U",
    "chargeDetails": [
      {
        "id": "29af1dec-4bac-4371-84c2-40c959704e6b",
        "paymentSessionId": "9a08c652-f59d-45ea-8828-4b616d80db57",
        "paymentSessionClientReferenceId": "1751610085",
        "amount": {
          "value": 10000,
          "currency": "IDR"
        },
        "statementDescriptor": "Reforza Pivot",
        "status": "WAITING_FOR_USER_ACTION",
        "authorizedAmount": null,
        "capturedAmount": null,
        "isCaptured": false,
        "createdAt": "2025-10-02T08:50:44.166332523Z",
        "updatedAt": "2025-10-02T08:50:44.166332616Z",
        "paidAt": null
      }
    ],
    "customerId": "0197e3f5-1a17-7d43-b2f9-1b51479fb8a9",
    "customer": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}
```

</details>

<details>

<summary>Merchant's customized Payment Page — Card Encryption</summary>

```json
{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "18ca2228-af6a-49ec-9d32-72c5f3fb4bfa",
    "clientReferenceId": "1751620870",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": false,
    "mode": "API",
    "redirectUrl": {
      "successReturnUrl": "https://merchant.com/success",
      "failureReturnUrl": "https://merchant.com/failure",
      "expirationReturnUrl": "https://merchant.com/expiration"
    },
    "paymentType": "SINGLE",
    "paymentMethod": {
      "type": "CARD"
    },
    "statementDescriptor": "Reforza Pivot",
    "expirationMode": "STRICT",
    "status": "REQUIRE_CONFIRMATION",
    "createdAt": "2025-10-02T08:53:48.681269615Z",
    "updatedAt": "2025-10-02T08:53:48.681269727Z",
    "expiryAt": "2025-10-30T04:10:43Z",
    "encryptionKey": "MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEAzktmvQP+4z6OikrOaf4kx1LizCzQ6vbzxEUbzyjEyur3oiTT3q4sL5GV037t14UPLsb1SHNObtJjqISyi/lmiIqtr/LayM8AKvbZVf2LL2+MSa/1IGYMHpeO8w/mYkFKOhlvbQHa0VTiM8Tsqv2yFvZ3uFKeJ8AJL+QcAdusNKVzcx37DZGB33qLeiy0G/OXkq57pT/aAwx85fdRxw9ih001l3oyKil3l+VT42ZeB2kLJHRVf+HMqFTtIPgkPSbwbFNJQhZXKzGnHTF0YW2M78+ji+2wMdq2pEpxVHpatl32Irj6VU23Zlrle3B1udGOZgOkaLUfmUKWJd/cgf8lPQIDAQAB",
    "chargeDetails": null,
    "customerId": "0197e3f5-1a17-7d43-b2f9-1b51479fb8a9",
    "customer": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}
```

</details>

<details>

<summary>Save Card with Pivot's Payment Redirection (Card Tokenization)</summary>

**Initiation**

```json
{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "73989414-456f-4735-b1cf-d2dc20bb2f1b",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "REDIRECT",
    "bypassStatusPage": false,
    "redirectUrl": {
      "successReturnUrl": "https://merchant.com/success",
      "failureReturnUrl": "https://merchant.com/failure",
      "expirationReturnUrl": "https://merchant.com/expiration"
    },
    "paymentType": "SINGLE",
    "paymentMethod": {
      "type": "CARD"
    },
    "statementDescriptor": "Reforza Pivot",
    "saveForFutureUse": true,
    "expirationMode": "STRICT",
    "status": "REQUIRE_ACTION",
    "createdAt": "2025-10-02T08:56:51.761170412Z",
    "updatedAt": "2025-10-02T08:56:51.785624475Z",
    "expiryAt": "2025-10-30T04:10:43Z",
    "paymentUrl": "https://pay.pivot-payment.com/detail?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ1dWlkIjoiNzM5ODk0MTQtNDU2Zi00NzM1LWIxY2YtZDJkYzIwYmIyZjFiIiwiaXNzIjoiYmFja2VuZC1wb3J0YWwiLCJleHAiOjE3NjE3OTc0NDN9.jnwVOU4HH7-lLZO8r1NLPanEURXPGzEe2Eun24WZhts",
    "chargeDetails": [
      {
        "id": "d76a12da-49e9-4c94-93cf-5e1bd1c98d8d",
        "paymentSessionId": "73989414-456f-4735-b1cf-d2dc20bb2f1b",
        "paymentSessionClientReferenceId": "1759395411",
        "amount": {
          "value": 10000,
          "currency": "IDR"
        },
        "statementDescriptor": "HRS",
        "status": "WAITING_FOR_USER_ACTION",
        "authorizedAmount": null,
        "capturedAmount": null,
        "isCaptured": false,
        "createdAt": "2025-10-02T08:56:51.792337754Z",
        "updatedAt": "2025-10-02T08:56:51.792337952Z",
        "paidAt": null
      }
    ],
    "customerId": "0197e3f5-1a17-7d43-b2f9-1b51479fb8a9",
    "customer": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}
```

**Use Tokenized Card**

```json
{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "204009d4-40da-4793-a899-24ca8452fd02",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "REDIRECT",
    "bypassStatusPage": false,
    "redirectUrl": {
      "successReturnUrl": "https://merchant.com/success",
      "failureReturnUrl": "https://merchant.com/failure",
      "expirationReturnUrl": "https://merchant.com/expiration"
    },
    "paymentType": "SINGLE",
    "paymentMethod": {
      "type": "CARD"
    },
    "statementDescriptor": "Reforza Pivot",
    "saveForFutureUse": true,
    "showSavedPayment": true,
    "expirationMode": "STRICT",
    "status": "REQUIRE_ACTION",
    "createdAt": "2025-10-02T09:01:23.169576493Z",
    "updatedAt": "2025-10-02T09:01:23.188991777Z",
    "expiryAt": "2025-10-30T04:10:43Z",
    "paymentUrl": "https://pay.pivot-payment.com/detail?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ1dWlkIjoiMjA0MDA5ZDQtNDBkYS00NzkzLWE4OTktMjRjYTg0NTJmZDAyIiwiaXNzIjoiYmFja2VuZC1wb3J0YWwiLCJleHAiOjE3NjE3OTc0NDN9.7Mbp8oFpeZceXV7goI4qrrivKf1b69mxHh2xP_6OZAs",
    "chargeDetails": [
      {
        "id": "d237163c-8c41-4c4e-b3cc-9926348d3846",
        "paymentSessionId": "204009d4-40da-4793-a899-24ca8452fd02",
        "paymentSessionClientReferenceId": "1759395683",
        "amount": {
          "value": 10000,
          "currency": "IDR"
        },
        "statementDescriptor": "HRS",
        "status": "WAITING_FOR_USER_ACTION",
        "authorizedAmount": null,
        "capturedAmount": null,
        "isCaptured": false,
        "createdAt": "2025-10-02T09:01:23.196373446Z",
        "updatedAt": "2025-10-02T09:01:23.196373623Z",
        "paidAt": null
      }
    ],
    "customerId": "0197e3f5-1a17-7d43-b2f9-1b51479fb8a9",
    "customer": {
      "givenName": "Reforza Jordan",
      "sureName": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}
```

</details>

<details>

<summary>Save Card with Merchant's customized Payment Page (Card Tokenization)</summary>

**Initiation**

```json
{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "93ef772b-cd46-4b90-9194-11d0fa4506ce",
    "clientReferenceId": "1751620870",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": false,
    "mode": "API",
    "redirectUrl": {
      "successReturnUrl": "https://merchant.com/success",
      "failureReturnUrl": "https://merchant.com/failure",
      "expirationReturnUrl": "https://merchant.com/expiration"
    },
    "paymentType": "SINGLE",
    "paymentMethod": {
      "type": "CARD"
    },
    "statementDescriptor": "Reforza Pivot",
    "saveForFutureUse": true,
    "expirationMode": "STRICT",
    "status": "REQUIRE_CONFIRMATION",
    "createdAt": "2025-10-02T09:05:05.220870672Z",
    "updatedAt": "2025-10-02T09:05:05.220870842Z",
    "expiryAt": "2025-10-30T04:10:43Z",
    "encryptionKey": "MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEAw9tfaEzUSz9A3NRnNFlswVzw2ZInCIVRBKNPiJ6SX0VsBO3fZepZmoXGqyfwvIVHechSTlFrfyRqKsvGeqRXdCCroYsyvmsnhW/x17EFgwbYqI6Lt0nd4IJGurN5cW5vNiQ9a/Qx2gTpx91sMLl07dqroLjOTCm6OyKUQXH/pBpFFKjwEGWCYJSaqK+cOX5KhypXoZRhKPdy0QRJrUvW7PHhsL0VDA9VfY+2H+WlxABNzA7sEBWdk/tw4+TKzfM4I8qAQenVmBmKGVr70mYIGkwXtqG/nUOyMiDMXxrazUyKEIpqNIALI5DdXkNTYAqbjgZQqmpd6oebrTU/PVj/dwIDAQAB",
    "chargeDetails": null,
    "customerId": "0197e3f5-1a17-7d43-b2f9-1b51479fb8a9",
    "customer": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}
```

**Use Tokenized Card**

```json
{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "3c9d8e23-c88a-4181-b364-0eba2230cf02",
    "clientReferenceId": "1751620870",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "API",
    "redirectUrl": {
      "successReturnUrl": "https://merchant.com/success",
      "failureReturnUrl": "https://merchant.com/failure",
      "expirationReturnUrl": "https://merchant.com/expiration"
    },
    "paymentType": "SINGLE",
    "paymentMethod": {
      "type": "CARD",
      "card": {
        "token": "020027de-134e-45ed-8f0d-7ae0506a7133",
        "encryptedCard": "",
        "cvc": ""
      }
    },
    "statementDescriptor": "Reforza Pivot",
    "saveForFutureUse": true,
    "expirationMode": "STRICT",
    "status": "REQUIRE_ACTION",
    "createdAt": "2025-10-02T09:08:51.376512113Z",
    "updatedAt": "2025-10-02T09:08:51.419384219Z",
    "expiryAt": "2025-10-30T04:10:43Z",
    "paymentUrl": "https://creditcard-webview-stg.harsya.com/payment/creditcard/authenticate-token?cred=Teknb__Gytp_Cb81dhg1E39AkVDuOl6SXIpa2G8E0QW4LvKCAGo5cGtHc9NmDAAq0NYR0b_AlZNAgZRsV8E4NuQe-r3XMEUgtu35Xz0EZKX365xduzFd92j8u4YmdGAps3-xFD6VlF4Z2gEK2XHGsJbPUuzkEjSyj6zfrI8lw7WFLbLLEiFyHdzQ0S27dCPgtpV8OkQABCAfD7QYmePoZodLXHvBkBxjjxyd5gr-Hp-5i0UsZVlbzVvHG-rQ6MsTsbjEUzbT3E8nB5Gk5794Wi5kt0sXDlznpM0R4ePqoocknk1EvTQBssjFchMCuIjf_qWmJeLMRVToO5XUN2NdEopjJbxhf-qX1uGSO9uwnFVMYI8Jaf_k3AX1wHG5PxNsUq1zoBd8b1AzDZ6FA1JsB9o9nqKC31_YW4IbhNrvW6VXQ4UydfwxQMD4lY18bQkj-ODCCkIPVETynh3yrKaqKnUzTq_202gAB7SgSM2enidsLYZqTjqeNyX7ozbhkStzrZXdaamz2MWSuWWJ8Mk5Y1uqaksyAR6juOmnVTPiPzN1fWiYcCNN7XumN2Nb4EHn1r-3wAocgcK45vLcjCvnBI7OEeCRzjyRuSzkYcwiFDtHqeOHM9l2TLSROoVfB3LOjiP-yB453DWlAqyS_9HWLFpuc-4FdM_W7jNbNsYVtAGVX0H13n3SgVAAd_H3wH4t_7-svT1kx8RLnVlprhC9AETKxg0Cj_4wNGWfnlFHRpgAPXltJ9UjAIFDghZgeDUw-jU--3kSbDWgo8N7PUHJHKW8e4aqQNpY17oSZIAjMQRVd0MdWLrDdVM5kGAryDLllD7sedP1u21RxiudwMikbq2zJ_eTmge6vg%3D%3D&merchant_id=e485e01b-ff59-4a47-bb7d-9b39064f3388",
    "chargeDetails": [
      {
        "id": "9380a83b-933a-4a43-94d4-8f2c4b937bb3",
        "paymentSessionId": "3c9d8e23-c88a-4181-b364-0eba2230cf02",
        "paymentSessionClientReferenceId": "1751620870",
        "amount": {
          "value": 10000,
          "currency": "IDR"
        },
        "statementDescriptor": "Reforza Pivot",
        "status": "WAITING_FOR_USER_ACTION",
        "authorizedAmount": null,
        "capturedAmount": null,
        "isCaptured": false,
        "createdAt": "2025-10-02T09:08:51.42249967Z",
        "updatedAt": "2025-10-02T09:08:51.42249986Z",
        "paidAt": null,
        "card": {
          "first6": "",
          "first8": "",
          "last4": "",
          "expMonth": "",
          "expYear": "",
          "binInformations": {
            "type": "",
            "issuingBank": "",
            "brand": "",
            "country": ""
          },
          "authenticationResult": null,
          "authorizationResult": null
        }
      }
    ],
    "customerId": "01975d90-bb55-76f6-b423-691c7868e85d",
    "customer": {
      "givenName": "Reforza Jordan",
      "sureName": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      },
      "storedPaymentMethods": [
        {
          "token": "020027de-134e-45ed-8f0d-7ae0506a7133",
          "paymentMethod": "CARD",
          "paymentChannel": "VISA",
          "status": "ACTIVE",
          "createdAt": "2025-09-02T06:02:59.141590124Z",
          "card": {
            "fingerprint": "0198edcf-87a0-73fd-b937-7ec4b0ddb9c6",
            "network": "VISA",
            "first6": "444000",
            "first8": "44400001",
            "last4": "0002",
            "expMonth": "01",
            "expYear": "39",
            "cardHolderFirstName": "Reforza Jordan",
            "cardHolderLastName": "Geotama"
          }
        }
      ]
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}
```

</details>

<details>

<summary>Subscription and Automated Billing (Recurring)</summary>

**First Authorization**

```json
{
    "code": "00",
    "message": "Success",
    "data": {
        "id": "433135c5-d080-4780-a5bd-6e1f65bd2651",
        "clientReferenceId": "REF16042026003",
        "amount": {
            "value": 10000,
            "currency": "IDR"
        },
        "autoConfirm": false,
        "mode": "API",
        "redirectUrl": {
            "successReturnUrl": "https://merchant.com/success",
            "failureReturnUrl": "https://merchant.com/failure",
            "expirationReturnUrl": "https://merchant.com/expiration"
        },
        "paymentType": "SINGLE",
        "paymentMethod": {
            "type": "CARD"
        },
        "statementDescriptor": "",
        "saveForFutureUse": true,
        "expirationMode": "LOOSE",
        "recurringId": "019d9570-eca8-706c-9bf8-e7c2dff99e39",
        "initiateFirstAuthorization": true,
        "status": "REQUIRE_CONFIRMATION",
        "createdAt": "2026-04-16T08:38:30.438890502Z",
        "updatedAt": "2026-04-16T08:38:30.438890878Z",
        "expiryAt": "2026-04-30T17:00:00Z",
        "encryptionKey": "MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEAw0M5NxSZ6RTOvTRWZ8ATYYVOwLEstC53WfzMHPEKh/N60W+umotuX7OoBAYTM6xljhuMySKeKvaCFb9rKY76AY0Z/kk1gpzKyatQWm8PRafeS5QidJ++6DMS7g+hy4i4wYmW4RIX/IZkbHl6uFDxdnAbieATQ3Kgvh0pmradPIyt7GSuMqsDoByZavJCqA0TAWBHt8IDYUZMGeO8Nj408hmT0cdQEiKhCtVuIT7ik0bOh03gJPgvqdNRLWLi4XcmFO2MauSdIfVVgGoXuJYAXhs65FKCD/8jPuMHi97ryPymbI5sRMpEkfDeWG4c7pGgCpiT0bNIr4DfoIl9sAYiSwIDAQAB",
        "chargeDetails": null,
        "customerId": "01990912-0b6e-7413-b805-5f55c57a1df8",
        "customer": {
            "givenName": "Reforza Jordan",
            "surname": "Geotama",
            "sureName": "Geotama",
            "email": "reforza@pivot-payment.com",
            "phoneNumber": {
                "countryCode": "+62",
                "number": "895257262933"
            },
            "refundPreference": {
                "method": "AUTO",
                "transferDestination": {
                    "channelCode": "014",
                    "channelInformation": {
                        "accountNumber": "17677665415",
                        "accountName": "Reforza Jordan Geotama"
                    }
                }
            }
        },
        "bypassStatusPage": false
    }
}
```

&#x20;**Subsequent Transaction (Merchant managed scheduler)**

```json
{
    "code": "00",
    "message": "Success",
    "data": {
        "id": "f8065e6f-68b3-48dc-9d2d-3edcc107aa5c",
        "clientReferenceId": "REF16042025001",
        "amount": {
            "value": 150000,
            "currency": "IDR"
        },
        "autoConfirm": true,
        "mode": "API",
        "redirectUrl": {
            "successReturnUrl": "https://merchant.com/success",
            "failureReturnUrl": "https://merchant.com/failure",
            "expirationReturnUrl": "https://merchant.com/expiration"
        },
        "paymentType": "SINGLE",
        "paymentMethod": {
            "type": "CARD",
            "card": {
                "token": "020027de-134e-45ed-8f0d-7ae0506a7133",
                "encryptedCard": "",
                "cvc": ""
            }
        },
        "statementDescriptor": "",
        "recurringId": "019d619e-3269-76ca-ac0c-07a2252de309",
        "status": "PROCESSING",
        "createdAt": "2026-04-16T08:40:03.351569084Z",
        "updatedAt": "2026-04-16T08:40:05.503340166Z",
        "expiryAt": "2026-04-30T23:00:00Z",
        "chargeDetails": [
            {
                "id": "e91a22be-1d22-4a2b-bcf0-fb5a9fe10c2e",
                "paymentSessionId": "f8065e6f-68b3-48dc-9d2d-3edcc107aa5c",
                "paymentSessionClientReferenceId": "REF16042025001",
                "amount": {
                    "value": 150000,
                    "currency": "IDR"
                },
                "statementDescriptor": "Reforza Pivot",
                "status": "WAITING_FOR_USER_ACTION",
                "authorizedAmount": null,
                "capturedAmount": null,
                "isCaptured": false,
                "createdAt": "2026-04-16T08:40:05.506725104Z",
                "updatedAt": "2026-04-16T08:40:05.506725168Z",
                "paidAt": null,
                "card": {
                    "first6": "",
                    "first8": "",
                    "last4": "",
                    "expMonth": "",
                    "expYear": "",
                    "binInformations": {
                        "type": "",
                        "issuingBank": "",
                        "brand": "",
                        "country": ""
                    },
                    "authenticationResult": null,
                    "authorizationResult": null
                }
            }
        ],
        "customerId": "01975d90-bb55-76f6-b423-691c7868e85d",
        "customer": {
            "givenName": "Reforza Jordan",
            "surname": "Geotama",
            "sureName": "Geotama",
            "email": "reforza@pivot-payment.com",
            "phoneNumber": {
                "countryCode": "+62",
                "number": "895257262933"
            },
            "refundPreference": {
                "method": "AUTO",
                "transferDestination": {
                    "channelCode": "014",
                    "channelInformation": {
                        "accountNumber": "17677665415",
                        "accountName": "Reforza Jordan Geotama"
                    }
                }
            },
            "storedPaymentMethods": [
                {
                    "token": "020027de-134e-45ed-8f0d-7ae0506a7133",
                    "paymentMethod": "CARD",
                    "paymentChannel": "VISA",
                    "status": "ACTIVE",
                    "createdAt": "2025-09-02T06:02:59.141590124Z",
                    "card": {
                        "fingerprint": "0198edcf-87a0-73fd-b937-7ec4b0ddb9c6",
                        "network": "VISA",
                        "first6": "444000",
                        "first8": "44400001",
                        "last4": "0002",
                        "expMonth": "01",
                        "expYear": "39",
                        "cardHolderFirstName": "Jojo",
                        "cardHolderLastName": ""
                    }
                }
            ]
        },
        "bypassStatusPage": false
    }
}
```

</details>

### Virtual Account Payment Method

<details>

<summary>Pivot's Payment Redirection</summary>

```json
{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "e2d98a89-94bd-4823-a0d6-9e5ff4d1dce0",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "REDIRECT",
    "bypassStatusPage": false,
    "redirectUrl": {
      "successReturnUrl": "https://merchant.com/success",
      "failureReturnUrl": "https://merchant.com/failure",
      "expirationReturnUrl": "https://merchant.com/expiration"
    },
    "paymentType": "SINGLE",
    "paymentMethod": {
      "type": "VIRTUAL_ACCOUNT"
    },
    "statementDescriptor": "Reforza Pivot",
    "status": "REQUIRE_ACTION",
    "createdAt": "2025-10-03T02:38:34.918432123Z",
    "updatedAt": "2025-10-03T02:38:34.986588447Z",
    "expiryAt": "2025-10-30T04:10:43Z",
    "paymentUrl": "https://pay.pivot-payment.com/detail?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ1dWlkIjoiZTJkOThhODktOTRiZC00ODIzLWEwZDYtOWU1ZmY0ZDFkY2UwIiwiaXNzIjoiYmFja2VuZC1wb3J0YWwiLCJleHAiOjE3NjE3OTc0NDN9.GeaTU5cGOreSDtoL7EcsfDuUym9MUkvblbO251v7Cfg",
    "chargeDetails": [
      {
        "id": "32c8480f-97c5-4d70-ba52-6c24ef75ba8a",
        "paymentSessionId": "e2d98a89-94bd-4823-a0d6-9e5ff4d1dce0",
        "paymentSessionClientReferenceId": "1759459114",
        "amount": {
          "value": 10000,
          "currency": "IDR"
        },
        "statementDescriptor": "Reforza Pivot",
        "status": "WAITING_FOR_USER_ACTION",
        "authorizedAmount": null,
        "capturedAmount": null,
        "isCaptured": false,
        "createdAt": "2025-10-03T02:38:35.004420647Z",
        "updatedAt": "2025-10-03T02:38:35.004420739Z",
        "paidAt": null,
        "virtualAccount": {
          "channel": "PERMATA",
          "virtualAccountNumber": "7663000002940005",
          "virtualAccountName": "Pivot - Reforza Pivot",
          "expiryAt": "2025-10-30T04:10:43Z"
        }
      }
    ],
    "customerId": "0197e3f5-1a17-7d43-b2f9-1b51479fb8a9",
    "customer": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}
```

</details>

<details>

<summary>Merchant's customized Payment Page</summary>

```json
{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "23f1a0e5-e4b7-4940-ac4a-0e9e5fc8afb1",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "API",
    "redirectUrl": {
      "successReturnUrl": "https://merchant.com/success",
      "failureReturnUrl": "https://merchant.com/failure",
      "expirationReturnUrl": "https://merchant.com/expiration"
    },
    "paymentType": "SINGLE",
    "paymentMethod": {
      "type": "VIRTUAL_ACCOUNT"
    },
    "statementDescriptor": "Reforza Pivot",
    "status": "REQUIRE_ACTION",
    "createdAt": "2025-10-03T02:36:25.538819731Z",
    "updatedAt": "2025-10-03T02:36:25.655396429Z",
    "expiryAt": "2025-10-30T04:10:43Z",
    "chargeDetails": [
      {
        "id": "c421c3ee-dd0c-4f42-805c-08589dcbaf84",
        "paymentSessionId": "23f1a0e5-e4b7-4940-ac4a-0e9e5fc8afb1",
        "paymentSessionClientReferenceId": "1759458985",
        "amount": {
          "value": 10000,
          "currency": "IDR"
        },
        "statementDescriptor": "Reforza Pivot",
        "status": "WAITING_FOR_USER_ACTION",
        "authorizedAmount": null,
        "capturedAmount": null,
        "isCaptured": false,
        "createdAt": "2025-10-03T02:36:25.669528836Z",
        "updatedAt": "2025-10-03T02:36:25.669528938Z",
        "paidAt": null,
        "virtualAccount": {
          "channel": "PERMATA",
          "virtualAccountNumber": "7663000066992249",
          "virtualAccountName": "Pivot - Reforza Pivot",
          "expiryAt": "2025-10-30T04:10:43Z"
        }
      }
    ],
    "customerId": "0197e3f5-1a17-7d43-b2f9-1b51479fb8a9",
    "customer": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}
```

</details>

<details>

<summary>Virtual Account Static with Merchant's customized Payment Page</summary>

```json
{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "75dcc1eb-ddc4-4b64-8ddc-2d3216cc8feb",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 0,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "API",
    "redirectUrl": {
      "successReturnUrl": "https://merchant.com/success",
      "failureReturnUrl": "https://merchant.com/failure",
      "expirationReturnUrl": "https://merchant.com/expiration"
    },
    "paymentType": "MULTIPLE",
    "paymentMethod": {
      "type": "VIRTUAL_ACCOUNT",
      "virtualAccount": {
        "channel": "PERMATA",
        "virtualAccountNumber": "7664000000000001",
        "virtualAccountName": "Pivot - Reforza Pivot",
        "expiryAt": "0001-01-01T00:00:00Z"
      }
    },
    "statementDescriptor": "Reforza Pivot",
    "status": "ACTIVE",
    "createdAt": "2025-10-03T02:30:58.213271158Z",
    "updatedAt": "2025-10-03T02:30:58.263858929Z",
    "expiryAt": null,
    "chargeDetails": null,
    "customerId": "0197e3f5-1a17-7d43-b2f9-1b51479fb8a9",
    "customer": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}
```

</details>

### QR Payment Method

<details>

<summary>Pivot's Payment Redirection</summary>

```json
{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "eeb6cd48-363f-430e-93c4-3e830de2559d",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "REDIRECT",
    "bypassStatusPage": false,
    "redirectUrl": {
      "successReturnUrl": "https://merchant.com/success",
      "failureReturnUrl": "https://merchant.com/failure",
      "expirationReturnUrl": "https://merchant.com/expiration"
    },
    "paymentType": "SINGLE",
    "paymentMethod": {
      "type": "QR"
    },
    "statementDescriptor": "Reforza Pivot",
    "status": "REQUIRE_ACTION",
    "createdAt": "2025-10-03T01:58:06.519989182Z",
    "updatedAt": "2025-10-03T01:58:07.473553268Z",
    "expiryAt": "2025-10-30T04:10:43Z",
    "paymentUrl": "https://pay.pivot-payment.com/detail?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ1dWlkIjoiZWViNmNkNDgtMzYzZi00MzBlLTkzYzQtM2U4MzBkZTI1NTlkIiwiaXNzIjoiYmFja2VuZC1wb3J0YWwiLCJleHAiOjE3NjE3OTc0NDN9.zvmxSLGAxuiX3riK3nwo-YvzCRfs8xP_THrEjnLbjAE",
    "chargeDetails": [
      {
        "id": "e4153565-05aa-44ce-90b0-561c083e4cd7",
        "paymentSessionId": "eeb6cd48-363f-430e-93c4-3e830de2559d",
        "paymentSessionClientReferenceId": "1751610085",
        "amount": {
          "value": 10000,
          "currency": "IDR"
        },
        "statementDescriptor": "Reforza Pivot",
        "status": "WAITING_FOR_USER_ACTION",
        "authorizedAmount": null,
        "capturedAmount": null,
        "isCaptured": false,
        "createdAt": "2025-10-03T01:58:07.482979568Z",
        "updatedAt": "2025-10-03T01:58:07.482979665Z",
        "paidAt": null,
        "qr": {
          "acquirer": "BNC",
          "qrContent": "00020101021226740025ID.CO.BANKNEOCOMMERCE.WWW011893600490800007980502120005301399030303UKE51550025ID.CO.BANKNEOCOMMERCE.WWW0215ID20254287539870303UKE5204653353033605405100005802ID5909Pivot Pay6013JAKARTA UTARA6105144506233012230019739305295701155850703A016304D63D",
          "qrUrl": "https://marketing-img.bankneo.co.id/qris/merchant/img/oXrORYiv8HQOLe8YSJaRa5O9i6Mh0yiB19mOTzKZ3j4.png",
          "qrType": "DYNAMIC",
          "retrievalReferenceNumber": "2025100308343092284377575",
          "issuerName": "",
          "expiryAt": "2025-10-03T04:58:06.544268421Z",
          "merchantName": "Pivot"
        }
      }
    ],
    "customerId": "0197e3f5-1a17-7d43-b2f9-1b51479fb8a9",
    "customer": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}
```

</details>

<details>

<summary>Merchant's customized Payment Page</summary>

```json
{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "db826bf0-8c10-4203-8a87-42b3e19c0bf9",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "API",
    "redirectUrl": {
      "successReturnUrl": "https://merchant.com/success",
      "failureReturnUrl": "https://merchant.com/failure",
      "expirationReturnUrl": "https://merchant.com/expiration"
    },
    "paymentType": "SINGLE",
    "paymentMethod": {
      "type": "QR"
    },
    "statementDescriptor": "Reforza Pivot",
    "status": "REQUIRE_ACTION",
    "createdAt": "2025-10-03T02:00:02.113967326Z",
    "updatedAt": "2025-10-03T02:00:03.253716017Z",
    "expiryAt": "2025-10-30T04:10:43Z",
    "chargeDetails": [
      {
        "id": "264b8f44-758b-467a-88b3-5740ded1b4e8",
        "paymentSessionId": "db826bf0-8c10-4203-8a87-42b3e19c0bf9",
        "paymentSessionClientReferenceId": "1759456801",
        "amount": {
          "value": 10000,
          "currency": "IDR"
        },
        "statementDescriptor": "Reforza Pivot",
        "status": "WAITING_FOR_USER_ACTION",
        "authorizedAmount": null,
        "capturedAmount": null,
        "isCaptured": false,
        "createdAt": "2025-10-03T02:00:03.262940053Z",
        "updatedAt": "2025-10-03T02:00:03.262940213Z",
        "paidAt": null,
        "qr": {
          "acquirer": "BNC",
          "qrContent": "00020101021226740025ID.CO.BANKNEOCOMMERCE.WWW011893600490800007980502120005301399030303UKE51550025ID.CO.BANKNEOCOMMERCE.WWW0215ID20254287539870303UKE5204653353033605405100005802ID5909Pivot Pay6013JAKARTA UTARA6105144506233012230019739310141401989130703A0163043FE0",
          "qrUrl": "https://marketing-img.bankneo.co.id/qris/merchant/img/bwHeZhG1jVYDmQmn69Z0eVlJDMlLkpTaZeEiWyiqgQw.png",
          "qrType": "DYNAMIC",
          "retrievalReferenceNumber": "2025100309358657284378149",
          "issuerName": "",
          "expiryAt": "2025-10-03T05:00:02.137671661Z",
          "merchantName": "Pivot"
        }
      }
    ],
    "customerId": "0197e3f5-1a17-7d43-b2f9-1b51479fb8a9",
    "customer": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}
```

</details>

<details>

<summary>QR Static with Merchant's customized Payment Page</summary>

```json
{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "69de7595-3c42-47ae-ac53-4ba98d1420f0",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 0,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "API",
    "redirectUrl": {
      "successReturnUrl": "https://merchant.com/success",
      "failureReturnUrl": "https://merchant.com/failure",
      "expirationReturnUrl": "https://merchant.com/expiration"
    },
    "paymentType": "MULTIPLE",
    "paymentMethod": {
      "type": "QR",
      "qr": {
        "acquirer": "BNC",
        "qrContent": "00020101021126740025ID.CO.BANKNEOCOMMERCE.WWW011893600490800007980502120005601399070303UKE51550025ID.CO.BANKNEOCOMMERCE.WWW0215ID20254288651200303UKE5204653353033605802ID5911Pivot Pay 36013JAKARTA UTARA6105144506233052230019587123729412464640703A01630462B4",
        "qrUrl": "https://marketing-img.bankneo.co.id/qris/merchant/img/_A9bFoNtJXsVcSwLn-0lwKfSKS0H5GoWjnPeEkjv37k.png",
        "qrType": "STATIC",
        "retrievalReferenceNumber": "2025100309367869284378876",
        "issuerName": "",
        "expiryAt": "2025-10-03T02:02:28.438817076Z",
        "merchantName": "Pivot",
        "storeId": "000560139907"
      }
    },
    "statementDescriptor": "Reforza Pivot",
    "status": "ACTIVE",
    "createdAt": "2025-10-03T02:02:27.932239134Z",
    "updatedAt": "2025-10-03T02:02:28.75510101Z",
    "expiryAt": null,
    "chargeDetails": null,
    "customerId": "0197e3f5-1a17-7d43-b2f9-1b51479fb8a9",
    "customer": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}
```

</details>

### E-Wallet Payment Method

<details>

<summary>Pivot's Payment Redirection</summary>

```json
{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "edeb945c-21c8-4742-be44-39158ac5f5af",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "REDIRECT",
    "bypassStatusPage": false,
    "redirectUrl": {
      "successReturnUrl": "https://merchant.com/success",
      "failureReturnUrl": "https://merchant.com/failure",
      "expirationReturnUrl": "https://merchant.com/expiration"
    },
    "paymentType": "SINGLE",
    "paymentMethod": {
      "type": "EWALLET"
    },
    "statementDescriptor": "Reforza Pivot",
    "expirationMode": "LOOSE",
    "status": "REQUIRE_ACTION",
    "createdAt": "2025-11-07T02:22:22.903283906Z",
    "updatedAt": "2025-11-07T02:22:23.243302892Z",
    "expiryAt": "2025-11-10T00:00:00Z",
    "paymentUrl": "https://pay.pivot-payment.com/detail?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ1dWlkIjoiZWRlYjk0NWMtMjFjOC00NzQyLWJlNDQtMzkxNThhYzVmNWFmIiwiaXNzIjoiYmFja2VuZC1wb3J0YWwiLCJleHAiOjE3NjI3MzI4MDB9.2gl2iB8Jq8nPUuRSsdU1O03iGr-VVfkqKPPKaZbt08o",
    "chargeDetails": [
      {
        "id": "a193d396-0c1c-4ea4-ad09-7c8ff9e63dff",
        "paymentSessionId": "edeb945c-21c8-4742-be44-39158ac5f5af",
        "paymentSessionClientReferenceId": "1751610085",
        "amount": {
          "value": 10000,
          "currency": "IDR"
        },
        "statementDescriptor": "Reforza Pivot",
        "status": "WAITING_FOR_USER_ACTION",
        "authorizedAmount": null,
        "capturedAmount": null,
        "isCaptured": false,
        "createdAt": "2025-11-07T02:22:23.253414896Z",
        "updatedAt": "2025-11-07T02:22:23.253415045Z",
        "paidAt": null,
        "ewallet": {
          "channel": "SHOPEEPAY"
        }
      }
    ],
    "customerId": "0197e3f5-1a17-7d43-b2f9-1b51479fb8a9",
    "customer": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}
```

</details>

<details>

<summary>Merchant's customized Payment Page</summary>

```json
{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "3adcaae9-f388-4ac7-a189-d508db57f43d",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "API",
    "redirectUrl": {
      "successReturnUrl": "https://merchant.com/success",
      "failureReturnUrl": "https://merchant.com/failure",
      "expirationReturnUrl": "https://merchant.com/expiration"
    },
    "paymentType": "SINGLE",
    "paymentMethod": {
      "type": "EWALLET"
    },
    "statementDescriptor": "Reforza Pivot",
    "expirationMode": "LOOSE",
    "status": "REQUIRE_ACTION",
    "createdAt": "2025-11-07T02:05:44.813268237Z",
    "updatedAt": "2025-11-07T02:05:44.946002569Z",
    "expiryAt": "2025-11-10T00:00:00Z",
    "paymentUrl": "shopeepayid://main?apprl=%2Frn%2FTRANSFER_PAGE%3Fnavigate_url%3Dhttps%253A%252F%252Fwsa.wallet.airpay.co.id%252Fwallet%252Fpay%253Fmedium_index%253DUm80ZWF4Yk9xZmROUMQfB-00Q4YgC41bT06qjdCJd8bJlUV-qTqNYDbIdTnPNtM%2526order_key%253DB3DVvDfDXt2QtKL8-jIH3KBOdogx8-lGVMrtoTV0gWLMVjaQYm8roaBOT4aFdw4y_yxnPWaAV8bMRw%2526order_sn%253D112648522470591032%2526return_url%253DaHR0cHM6Ly9waXZvdC1wYXltZW50LmNvbT9hbW91bnQ9MTAwMDEwMCZjbGllbnRfaWQ9SGFyc3lhK1JlbWl0aW5kbyZyZWZlcmVuY2VfaWQ9MTc2MjQ4MTE0NDg0ODAyNjIyNCZyZXN1bHRfY29kZT0yMDMmc2lnbmF0dXJlPUNfQ1cwYWNUWlU1emFPMHRGc19jOTU5OUJfSF9RSWs4QUFubHlGZWhQWFUlM0Q%25253D%2526source%253Dqr%2526token%253DUm80ZWF4Yk9xZmROUMQfB-00Q4YgC41bT06qjdCJd8bJlUV-qTqNYDbIdTnPNtM",
    "chargeDetails": [
      {
        "id": "a6b68aee-bd42-45e0-b17d-dc605c3c3465",
        "paymentSessionId": "3adcaae9-f388-4ac7-a189-d508db57f43d",
        "paymentSessionClientReferenceId": "1751610085",
        "amount": {
          "value": 10000,
          "currency": "IDR"
        },
        "statementDescriptor": "Reforza Pivot",
        "status": "WAITING_FOR_USER_ACTION",
        "authorizedAmount": null,
        "capturedAmount": null,
        "isCaptured": false,
        "createdAt": "2025-11-07T02:05:44.955152399Z",
        "updatedAt": "2025-11-07T02:05:44.955152539Z",
        "paidAt": null,
        "ewallet": {
          "channel": "SHOPEEPAY"
        }
      }
    ],
    "customerId": "0197e3f5-1a17-7d43-b2f9-1b51479fb8a9",
    "customer": {
      "givenName": "Reforza Jordan",
      "surname": "Geotama",
      "email": "reforza@pivot-payment.com",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}
```

</details>

**Detail Parameter Response**

<table><thead><tr><th width="210.4765625">Parameter</th><th width="119.98046875">Data Type</th><th width="137.9453125">Requirement</th><th>Description</th></tr></thead><tbody><tr><td>Payment Session</td><td>Object</td><td>M</td><td><a data-mention href="/pages/mqeyX8IibhoTYbcrM9PI">/pages/mqeyX8IibhoTYbcrM9PI</a></td></tr></tbody></table>