Disbursement

Disbursement is a DANA solution that manage all process of disburse transaction by merchant or user to DANA. This solution offers two key functionalities:

1. Disbursement to Balance: Top Up Disbursement is an API-based service provided by DANA to facilitate seamless top up transactions from merchants or partners to all DANA users. This service helps to automate disbursement process, reducing the need for manual intervention while ensuring accuracy and real-time processing. Through a single integration, merchants/partners can perform account verification, initiate top up requests and check transaction status.
2. Disbursement to Bank Account: Disbursement to Bank is a service designed to simplify the process for merchants or partners to transfer balance to bank accounts. This service is an API-based solution to ensure faster, more secure and automated disbursements.

This integration allows customers to browse, select items, and complete DANA payments all within the merchant's platform, enhancing user experience and conversion rates

Disbursement to Balance

To facilitate seamless top up transactions from merchants or partners to all DANA users

Disbursement to Bank Account

User make a payment using the DANA's account in merchant's platform

Available Mandatory APIs for Disbursement to Balance API Solution
Get OAuth 2.0 URL GET	Used to generate OAuth 2.0 redirect URL to DANA to initiate account binding process where the user will be able to register/login from DANA page
Apply Token POST	Used to finalized account binding process by exchanging the authCode into accessToken that can be used as user authorization
Apply OTT POST	Used to get one time token that will be used as authorization parameter upon redirecting to DANA
Direct Debit Payment POST	Used to initiate payment from merchant’s platform to DANA

Additional Optional APIs

Merchants must select either Query Payment or Finish Notify API to validate transaction status.

Available Optional APIs for DANA Widget Binding API Solution
Account Unbinding POST	Used to reverses the account binding process by revoking the accessToken and refreshToken
Finish Notify Webhook	Used to notify payment status and information from DANA to merchant’s platform
Query Payment POST	Used to inquiry payment status and information from merchant’s platform to DANA
Cancel Order POST	Used to cancel the order from merchant’s platform to DANA
Refund Order POST	Used to refund the order from merchant’s platform to DANA

This service generates a daily settlement file a proof of fund transfer, for more details please visit this link

Payment Gateway Settlement File

Process Flow

The general flow of payment using a DANA Widget Binding is as follows: