Create Payment Session

Request a windowed time of payment session

Method and URL

POST [BASE_URL]/v2/payments

Request

Payment UI

Pivot's Payment UI

{
  "clientReferenceId": "1751612565",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "mode": "REDIRECT",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "[e-mail]",
    "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": "[e-mail]",
      "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": "[e-mail]",
      "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

Pivot's Payment Redirection

{
  "clientReferenceId": "1751610085",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "CARD"
  },
  "paymentMethodOptions": {
    "card": {
      "captureMethod": "automatic",
      "threeDsMethod": "CHALLENGE" // "NEVER" for Non 3DS
    }
  },
  "mode": "REDIRECT",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "[e-mail]",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": { // Mandatory for Foreign Card with AVS
    "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": "[e-mail]",
      "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": "[e-mail]",
      "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: Build Cards Encryption Flow

{
  "clientReferenceId": "1751620870",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "CARD"
  },
  "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": "[e-mail]",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": { // Mandatory for Foreign Card with AVS
    "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": "[e-mail]",
      "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": "[e-mail]",
      "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: Build Saved Payment Flow (Tokenization)

{
  "clientReferenceId": "1751610085",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "CARD"
  },
  "paymentMethodOptions": {
    "card": {
      "captureMethod": "automatic",
      "threeDsMethod": "CHALLENGE" // "NEVER" for Non 3DS
    }
  },
  "saveForFuture": true,
  "showSavedPayment": null,
  "mode": "REDIRECT",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "[e-mail]",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": { // Mandatory for Foreign Card with AVS
    "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": "[e-mail]",
      "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": "[e-mail]",
      "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

Stored Payment Method links to your customerId

{
  "clientReferenceId": "1751610085",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "CARD"
  },
  "paymentMethodOptions": {
    "card": {
      "captureMethod": "automatic",
      "threeDsMethod": "CHALLENGE"
    }
  },
  "saveForFuture": true,
  "showSavedPayment": true,
  "mode": "REDIRECT",
  "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": {
      "givenName": "Reforza Jordan",
      "sureName": "Geotama",
      "email": "[e-mail]",
      "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": "[e-mail]",
      "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: Build Saved Payment Flow (Tokenization)

{
  "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": "[e-mail]",
    "phoneNumber": {
      "countryCode": "+62",
      "number": "89699990001"
    },
    "refundPreference": {
      "method": "AUTO",
      "transferDestination": {
        "channelCode": "014",
        "channelInformation": {
          "accountNumber": "17677665415",
          "accountName": "Reforza Jordan Geotama"
        }
      }
    }
  },
  "orderInformation": { // Mandatory for Foreign Card with AVS
    "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": "[e-mail]",
      "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": "[e-mail]",
      "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

Stored Payment Method links to your customerId

{
  "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",
      "threeDsMethod": "CHALLENGE" // "NEVER" for Non 3DS
    }
  },
  "saveForFutureUse": true,
  "mode": "API",
/code
  "customerId": "01975d90-bb55-76f6-b423-691c7868e85d",
  "orderInformation": { // Mandatory for Foreign Card with AVS
    "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",
      "sureName": "Geotama",
      "email": "[e-mail]",
      "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": "[e-mail]",
      "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"
  }
}

E-Wallet Payment Method

Pivot's Payment Redirection

{
  "clientReferenceId": "1751610085",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "EWALLET"
  },
  "paymentMethodOptions": {
    "ewallet": {
      "channel": "SHOPEEPAY"
    }
  },
  "mode": "REDIRECT",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "[e-mail]",
    "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": "[e-mail]",
      "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": "[e-mail]",
      "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

{
  "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": "[e-mail]",
    "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": "[e-mail]",
      "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": "[e-mail]",
      "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 Payment Method

Pivot's Payment Redirection

{
  "clientReferenceId": "1751610085",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "VIRTUAL_ACCOUNT"
  },
  "paymentMethodOptions": {
    "virtualAccount": {
      "channel": "PERMATA",
      "virtualAccountName": "Reforza Pivot"
    }
  },
  "mode": "REDIRECT",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "[e-mail]",
    "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": "[e-mail]",
      "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": "[e-mail]",
      "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

{
  "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": "[e-mail]",
    "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": "[e-mail]",
      "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": "[e-mail]",
      "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

Make sure virtualAccountNumber within our default Static Range or your Configuration range:

https://dashboard.pivot-payment.com/static-payment/virtual-account/range

{
  "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": "[e-mail]",
    "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": "[e-mail]",
      "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": "[e-mail]",
      "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

{
  "clientReferenceId": "1751610085",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  },
  "paymentType": "SINGLE",
  "paymentMethod": {
    "type": "QR"
  },
  "paymentMethodOptions": {
    "qr": {
      "expiryAt": "2025-12-30T23:59:00Z"
    }
  },
  "mode": "REDIRECT",
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "[e-mail]",
    "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": "[e-mail]",
      "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": "[e-mail]",
      "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

{
  "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": "[e-mail]",
    "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": "[e-mail]",
      "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": "[e-mail]",
      "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

{
  "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": "[e-mail]",
    "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": "[e-mail]",
      "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": "[e-mail]",
      "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"
  }
}

Detail Parameter Request

Parameter	Data Type	Character Limit	Requirement	Description
clientReferenceId	Alphanumeric	1-100	M	Unique Payment Reference from Merchant's Request
amount	Object	-	M	Amount Object Total Payment amount
paymentType	String	-	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
paymentMethod	Object	-	O	Payment Method Object
paymentMethodOptions	Object	-	C	Payment Method Options Object
saveForFutureUse	Boolean	-	O	Store Payment Information detail in Token format in Customer Object for CARD & EWALLET Payment method whenever the charge is SUCCESS Default to false Possible values are: true false
showSavedPayment	Boolean	-	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
mode	String	-	O	Default to REDIRECT Payment Session mode. Possible values are: REDIRECT will return redirectUrl API
redirectUrl	Object	-	M	Redirect Object URL for redirection
customerId	String	0-255	O	Auto generated based on email as the unique identifier *Choose either to send customerId or customer Object
customer	Object	-	C	Customer Object Customer information *Choose either to send customerId or customer Object
orderInformation	Object	-	M	Order Object Order information
autoConfirm	Boolean	-	O	Default to true If the confirmation method is set to false. Then clients need to hit the /confirm endpoint
statementDescriptor	String	0-20	O	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.
expirationMode	String	-	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
expiryAt	String	-	O	Session 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
metadata	Object	-	O	Free object for merchant to store any extra information about the payment session

Response

Payment UI

Pivot's Payment UI

{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "a97224e6-9f1d-4839-9a4c-62d334c35899",
    "clientReferenceId": "1751612565",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": false,
    "mode": "REDIRECT",
    "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": "[e-mail]",
      "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

{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "9a08c652-f59d-45ea-8828-4b616d80db57",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "REDIRECT",
    "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": "[e-mail]",
      "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

{
  "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": "[e-mail]",
      "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

{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "73989414-456f-4735-b1cf-d2dc20bb2f1b",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "REDIRECT",
    "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": "[e-mail]",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}

Use Tokenized Card

{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "204009d4-40da-4793-a899-24ca8452fd02",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "REDIRECT",
    "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": "[e-mail]",
      "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

{
  "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": "[e-mail]",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}

Use Tokenized Card

{
  "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": "[e-mail]",
      "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"
    }
  }
}

E-Wallet Payment Method

Pivot's Payment Redirection

{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "edeb945c-21c8-4742-be44-39158ac5f5af",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "REDIRECT",
    "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": "[e-mail]",
      "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

{
  "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": "[e-mail]",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}

Virtual Account Payment Method

Pivot's Payment Redirection

{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "e2d98a89-94bd-4823-a0d6-9e5ff4d1dce0",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "REDIRECT",
    "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": "[e-mail]",
      "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

{
  "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": "[e-mail]",
      "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

{
  "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": "[e-mail]",
      "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

{
  "code": "00",
  "message": "Success",
  "data": {
    "id": "eeb6cd48-363f-430e-93c4-3e830de2559d",
    "clientReferenceId": "1751610085",
    "amount": {
      "value": 10000,
      "currency": "IDR"
    },
    "autoConfirm": true,
    "mode": "REDIRECT",
    "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": "[e-mail]",
      "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

{
  "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": "[e-mail]",
      "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

{
  "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": "[e-mail]",
      "phoneNumber": {
        "countryCode": "+62",
        "number": "89699990003"
      },
      "refundPreference": {
        "method": "AUTO",
        "transferDestination": {
          "channelCode": "014",
          "channelInformation": {
            "accountNumber": "17677665415",
            "accountName": "Reforza Jordan Geotama"
          }
        }
      }
    },
    "metadata": {
      "invoiceNo": "INV001"
    }
  }
}

Detail Parameter Response

Parameter	Data Type	Requirement	Description
Payment Session	Object	M	Payment Session Object