Build Non 3DS & Foreign Card with AVS
Allows you to accept a wider range of card transactions by supporting local cards without 3DS, foreign cards with 3DS and AVS, and foreign cards with Non-3DS and AVS, ensuring broader payment coverage while leveraging AVS as an added layer of fraud prevention for non-3DS flows
Local Cards - Non 3DS
For mode = API, you are obligated to fill orderInformation object either in Card Encryption or in Confirm Payment Session
Create Payment Session
A windowed time for the end customer to complete the payment, starting when the client initiates the payment request through your app. The payment session duration is customizable, with a default duration of 15 minutes.
API Reference: Create Payment Session
POST [BASE_URL]/v2/payments
{
"clientReferenceId": "1751610085",
"amount": {
"value": 10000,
"currency": "IDR"
},
"paymentType": "SINGLE",
"paymentMethod": {
"type": "CARD"
},
"paymentMethodOptions": {
"card": {
"captureMethod": "automatic",
"threeDsMethod": "NEVER"
}
},
"mode": "REDIRECT",
"redirectUrl": {
"successReturnUrl": "https://merchant.com/success",
"failureReturnUrl": "https://merchant.com/failure",
"expirationReturnUrl": "https://merchant.com/expiration"
},
"customer": {
"givenName": "Reforza Jordan",
"sureName": "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",
"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",
"expiryAt": "2025-12-30T23:59:00Z",
"metadata": {
"invoiceNo": "INV001"
}
}Define Payment Method and disable the 3DS method
Set autoConfirm to true and fill paymentMethod and paymentMethodOptions Object with card.threeDsMethod = NEVER to finalize the payment method from the previous step.
Reference:
{
"paymentMethod": {
"type": "CARD"
},
"paymentMethodOptions": {
"card": {
"captureMethod": "automatic",
"threeDsMethod": "NEVER"
}
},
"autoConfirm": true
}Send us your Success, Failure, and Expired Payment Session URL
Handle Success, Failure, and Expired cases on your Payment Session
Object reference: Redirect Object
{
"redirectUrl": {
"successReturnUrl": "https://merchant.com/success",
"failureReturnUrl": "https://merchant.com/failure",
"expirationReturnUrl": "https://merchant.com/expiration"
}
}Fill Customer and Order information
Include customer and order details by filling the customer and orderInformation objects. Personalize the payment experience, enhance fraud detection and reconciliation, and ensure smoother processing of refund requests.
Object Reference:
{
"customer": {
"givenName": "Reforza Jordan",
"sureName": "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",
"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"
}
}
}
}Redirect to Payment Page
After creating the Payment Session, redirect your customer to the URL for the Payment page returned in the response.
{
"paymentUrl": "https://payment.pivot-payment.com/detail?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ1dWlkIjoiN2Y2NWM3NTctMzU1Zi00NjQ1LWFjMTQtMDI4YjM0YWI1MWIxIiwiaXNzIjoiYmFja2VuZC1wb3J0YWwiLCJleHAiOjE3NDM0NjU1NDV9.55-QdvI0xVtivNLJzREPDGzUbqFNEj7ouFUCvrzAIbw"
}Simulate Payment
Visit the Payment Page and Simulate the Payment
Foreign Card - Non 3DS with AVS
For mode = API, you are obligated to fill orderInformation object either in Card Encryption or in Confirm Payment Session
Create Payment Session
A windowed time for the end customer to complete the payment, starting when the client initiates the payment request through your app. The payment session duration is customizable, with a default duration of 15 minutes.
API Reference: Create Payment Session
POST [BASE_URL]/v2/payments
{
"clientReferenceId": "1751610085",
"amount": {
"value": 10000,
"currency": "IDR"
},
"paymentType": "SINGLE",
"paymentMethod": {
"type": "CARD"
},
"paymentMethodOptions": {
"card": {
"captureMethod": "automatic",
"threeDsMethod": "NEVER"
}
},
"mode": "REDIRECT",
"redirectUrl": {
"successReturnUrl": "https://merchant.com/success",
"failureReturnUrl": "https://merchant.com/failure",
"expirationReturnUrl": "https://merchant.com/expiration"
},
"customer": {
"givenName": "Reforza Jordan",
"sureName": "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",
"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",
"expiryAt": "2025-12-30T23:59:00Z",
"metadata": {
"invoiceNo": "INV001"
}
}Define Payment Method and disable the 3DS Method
Set autoConfirm to true and fill paymentMethod and paymentMethodOptions Object with card.threeDsMethod = NEVER to finalize the payment method from the previous step.
Reference:
{
"paymentMethod": {
"type": "CARD"
},
"paymentMethodOptions": {
"card": {
"captureMethod": "automatic",
"threeDsMethod": "NEVER"
}
},
"autoConfirm": true
}Send us your Success, Failure, and Expired Payment Session URL
Handle Success, Failure, and Expired cases on your Payment Session
Object reference: Redirect Object
{
"redirectUrl": {
"successReturnUrl": "https://merchant.com/success",
"failureReturnUrl": "https://merchant.com/failure",
"expirationReturnUrl": "https://merchant.com/expiration"
}
}Fill Customer and Order information
Include customer and order details by filling the customer and orderInformation objects. Personalize the payment experience, enhance fraud detection and reconciliation, and ensure smoother processing of refund requests.
Object Reference:
{
"customer": {
"givenName": "Reforza Jordan",
"sureName": "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",
"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"
}
}
}
}Redirect to Payment Page
After creating the Payment Session, redirect your customer to the URL for the Payment page returned in the response.
{
"paymentUrl": "https://payment.pivot-payment.com/detail?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ1dWlkIjoiN2Y2NWM3NTctMzU1Zi00NjQ1LWFjMTQtMDI4YjM0YWI1MWIxIiwiaXNzIjoiYmFja2VuZC1wb3J0YWwiLCJleHAiOjE3NDM0NjU1NDV9.55-QdvI0xVtivNLJzREPDGzUbqFNEj7ouFUCvrzAIbw"
}
Foreign Card - 3DS with AVS
For mode = API, you are obligated to fill orderInformation object either in Card Encryption or in Confirm Payment Session
Create Payment Session
A windowed time for the end customer to complete the payment, starting when the client initiates the payment request through your app. The payment session duration is customizable, with a default duration of 15 minutes.
API Reference: Create Payment Session
POST [BASE_URL]/v2/payments
{
"clientReferenceId": "1751610085",
"amount": {
"value": 10000,
"currency": "IDR"
},
"paymentType": "SINGLE",
"paymentMethod": {
"type": "CARD"
},
"paymentMethodOptions": {
"card": {
"captureMethod": "automatic",
"threeDsMethod": "CHALLENGE"
}
},
"mode": "REDIRECT",
"redirectUrl": {
"successReturnUrl": "https://merchant.com/success",
"failureReturnUrl": "https://merchant.com/failure",
"expirationReturnUrl": "https://merchant.com/expiration"
},
"customer": {
"givenName": "Reforza Jordan",
"sureName": "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",
"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",
"expiryAt": "2025-12-30T23:59:00Z",
"metadata": {
"invoiceNo": "INV001"
}
}Define Payment Method and enable the 3DS Method
Set autoConfirm to true and fill paymentMethod and paymentMethodOptions Object with card.threeDsMethod = CHALLENGE to finalize the payment method from the previous step.
Reference:
{
"paymentMethod": {
"type": "CARD"
},
"paymentMethodOptions": {
"card": {
"captureMethod": "automatic",
"threeDsMethod": "CHALLENGE"
}
},
"autoConfirm": true
}Send us your Success, Failure, and Expired Payment Session URL
Handle Success, Failure, and Expired cases on your Payment Session
Object reference: Redirect Object
{
"redirectUrl": {
"successReturnUrl": "https://merchant.com/success",
"failureReturnUrl": "https://merchant.com/failure",
"expirationReturnUrl": "https://merchant.com/expiration"
}
}Fill Customer and Order information
Include customer and order details by filling the customer and orderInformation objects. Personalize the payment experience, enhance fraud detection and reconciliation, and ensure smoother processing of refund requests.
Object Reference:
{
"customer": {
"givenName": "Reforza Jordan",
"sureName": "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",
"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"
}
}
}
}Redirect to Payment Page
After creating the Payment Session, redirect your customer to the URL for the Payment page returned in the response.
{
"paymentUrl": "https://payment.pivot-payment.com/detail?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ1dWlkIjoiN2Y2NWM3NTctMzU1Zi00NjQ1LWFjMTQtMDI4YjM0YWI1MWIxIiwiaXNzIjoiYmFja2VuZC1wb3J0YWwiLCJleHAiOjE3NDM0NjU1NDV9.55-QdvI0xVtivNLJzREPDGzUbqFNEj7ouFUCvrzAIbw"
}
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