> 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 `POST` \[BASE\_URL]/v2/payments ## Request ### **Payment UI**
Pivot's Payment UI ```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" } } ```
### **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 %}
Pivot's Payment Redirection ```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" } } ```
Merchant's customized Payment Page — Card Encryption 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" } } ```
Save Card with Pivot's Payment Redirection (Card Tokenization) **Initiation** Enable "Save Payment Information Detail" option for your customers when the Charge is `SUCCESS` 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 `customerId` {% 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" } } ```
Save Card with Merchant's customized Payment Page (Card Tokenization) **Initiation** Enable "Save Payment Information Detail" option for your customers when the Charge is `SUCCESS` 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 `customerId` {% 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" } } ```
Subscription and Automated Billing (Recurring) 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** 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 `customerId` {% 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 `ONE_DOLLAR` {% hint style="info" %} Utilize ongoing `recurringId` 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" } } ```
### Virtual Account Payment Method
Pivot's Payment Redirection ```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" } } ```
Merchant's customized Payment Page ```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" } } ```
Virtual Account Static with Merchant's customized Payment Page How to build reference: [Build Static Payment](/pivot-docs/payments/accept-payment/build-static-payment.md) {% hint style="info" %} Make sure `virtualAccountNumber` within our default Static Range or your Configuration 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" } } ```
### **QR Payment Method**
Pivot's Payment Redirection ```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" } } ```
Merchant's customized Payment Page ```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" } } ```
QR Static with Merchant's customized Payment Page 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" } } ```
### **E-Wallet Payment Method** {% hint style="info" %} `channel` = DANA limitation: 1. Does not support embedding a page using an iframe 2. Single Redirect URL handling for Success, Failure, and Expired cases. Pivot will use `redirectUrl.successReturnUrl` as a source {% endhint %}
Pivot's Payment Redirection ```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" } } ```
Merchant's customized Payment Page ```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" } } ```
**Detail Parameter Request**
ParameterData TypeCharacter LimitRequirementDescription
clientReferenceIdAlphanumeric1-100MUnique Payment Reference from Merchant's Request
amountObject-M/pages/Foeq3eyfnM9O2anL1Vby
Total Payment amount
paymentTypeString-O

Default to SINGLE

Payment Type possible values are:

  • SINGLE
  • MULTIPLE

Definition:

  • SINGLE: Payment Session can only be charged once
  • MULTIPLE: Payment Session can be charged multiple times, and Payment Session Status is always Active


Applicable only for Payment Method Type QR and VIRTUAL_ACCOUNT

paymentMethodObject-O/pages/yLhv0LHOksPwPOX2zgF3
paymentMethodOptionsObject-C/pages/6wC3JTxLDK81BsSTalsl
saveForFutureUseBoolean-O

Store Payment Information detail in Token format in /pages/lkA57A4pSG5HfyjfuzJr for CARD & EWALLET Payment method whenever the charge is SUCCESS

Default to false

Possible values are:

  • true
  • false
showSavedPaymentBoolean-O

Show saved Payment Information for CARD & EWALLET Payment method in Payment Redirection

Default to false, applicable only for REDIRECT mode

Possible values are:

  • true
  • false
modeString-O

Default to REDIRECT

Payment Session mode. Possible values are:

  • REDIRECT will return redirectUrl
  • API
bypassStatusPageBoolean-O

Bypass Pivot's Status Page after your customer completing the Payment, directly redirect to your URLs

Default to false, applicable only for REDIRECT mode

Possible values are:

  • true
  • false
redirectUrlObject-M/pages/S8SLvqfKIqgU91J1gRyS

URL for redirection
customerIdString0-255OAuto generated based on email as the unique identifier

*Choose either to send customerId or customer Object
customerObject-C/pages/lkA57A4pSG5HfyjfuzJr

Customer information

*Choose either to send customerId or customer Object
orderInformationObject-M/pages/VPbA2N3A4KfXIcUYnAtT

Order information
autoConfirmBoolean-O

Default to true


If the confirmation method is set to false. Then clients need to hit the /confirm endpoint

statementDescriptorString0-20O

Default = Merchant’s short name

Statement descriptors allow a maximum 20 characters for all the concatenated characters (including space).

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.

expirationModeString-O

Default to LOOSE

Payment Type possible values are:

  • LOOSE
  • STRICT

Definition:

  • LOOSE: Expiry depends on processor rules
  • STRICT: Expiry depends on merchant rules


Applicable only for Payment Method Type CARD and EWALLET

expiryAtString-OSession expired time set by merchant with format YYYY-MM-DDTHH:MM:SSZ. The default expiration time is 15 mins.

For Payment Type = MULTIPLE, don't necessarily send the Expiry At value
recurringIdString-CUnique Recurring Reference

Applicable for subscription and automated billing integration
initiateFirstAuthorizationBoolean-C

Perform first authorization for new and updated Card information detail

Applicable for subscription and automated billing integration

Possible values are:

  • true
  • false
metadataObject-OFree object for merchant to store any extra information about the payment session
## Response ### **Payment UI**
Pivot's Payment UI ```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" } } } ```
### Card Payment Method
Pivot's Payment Redirection ```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" } } } ```
Merchant's customized Payment Page — Card Encryption ```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" } } } ```
Save Card with Pivot's Payment Redirection (Card Tokenization) **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" } } } ```
Save Card with Merchant's customized Payment Page (Card Tokenization) **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" } } } ```
Subscription and Automated Billing (Recurring) **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 } } ``` **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 } } ```
### Virtual Account Payment Method
Pivot's Payment Redirection ```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" } } } ```
Merchant's customized Payment Page ```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" } } } ```
Virtual Account Static with Merchant's customized Payment Page ```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" } } } ```
### QR Payment Method
Pivot's Payment Redirection ```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" } } } ```
Merchant's customized Payment Page ```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" } } } ```
QR Static with Merchant's customized Payment Page ```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" } } } ```
### E-Wallet Payment Method
Pivot's Payment Redirection ```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" } } } ```
Merchant's customized Payment Page ```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" } } } ```
**Detail Parameter Response**
ParameterData TypeRequirementDescription
Payment SessionObjectM/pages/mqeyX8IibhoTYbcrM9PI
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