Accept Non 3DS & Foreign Card (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

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",
  "bypassStatusPage": false,
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "[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"
  }
}

Choose a mode

To generate Redirect Payment Page, choose mode “REDIRECT”

{
  "mode": "REDIRECT"
}

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:

• Payment Method Object

• Payment Method Options Object

{
  "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:

• Customers

• Order Object

{
  "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"
      }
    }
  }
}

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 billingInfo 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",
  "bypassStatusPage": false,
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "[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"
  }
}

Choose a mode

To generate Redirect Payment Page, choose mode “REDIRECT”

{
  "mode": "REDIRECT"
}

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:

• Payment Method Object

• Payment Method Options Object

{
  "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:

• Customers

• Order Object

{
  "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"
      }
    }
  }
}

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

1. Visit the Payment Page

2. Input Card details and Billing address information

   
3. Simulate the Payment

Foreign Card - 3DS with AVS

For mode = API, you are obligated to fill billingInfo 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",
  "bypassStatusPage": false,
  "redirectUrl": {
    "successReturnUrl": "https://merchant.com/success",
    "failureReturnUrl": "https://merchant.com/failure",
    "expirationReturnUrl": "https://merchant.com/expiration"
  },
  "customer": {
    "givenName": "Reforza Jordan",
    "surname": "Geotama",
    "email": "[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"
  }
}

Choose a mode

To generate Redirect Payment Page, choose mode “REDIRECT”

{
  "mode": "REDIRECT"
}

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:

• Payment Method Object

• Payment Method Options Object

{
  "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:

• Customers

• Order Object

{
  "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"
      }
    }
  }
}

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

1. Visit the Payment Page

2. Input Card details and Billing address information

   
3. Simulate the Payment