Transfer to Bank

POST/v1.0/emoney/transfer-bank.htm

This API is used for merchant to do transfer to Bank request via DANA. For the easiest integration, use DANA's Libraries to implement Disbursement to Bank.

API Type

SNAP API

Expected Timeout

8 second

SNAP Service Code

application/json

Content Type

application/json

Content-type

string

1 - 127 charactersRequired

Content type, value always application/json

Authorization

string

1 - 2048 charactersConditional

Contains bearer JWT token, which has been obtained from Authorization Token Request API

Conditional Info

Y:= Signature option is symmetric approach

X-TIMESTAMP

string

25 charactersRequired

Transaction date time, in format YYYY-MM-DDTHH:mm:ss+07:00.
Time must be in GMT+7 (Jakarta time)

X-SIGNATURE

string

Required

Signature need to be generated with symmetricSignature or asymmetricSignature method

ORIGIN

string

Origin domain

X-PARTNER-ID

string

1 - 36 charactersRequired

Unique identifier for partner was generated by DANA, or known as clientId

X-EXTERNAL-ID

string

1 - 36 charactersRequired

Unique messaging reference identifier generated by merchant and should be unique within the same day

X-IP-ADDRESS

string

15 characters

IP address of the end user (customer) using IPv4 format

CHANNEL-ID

string

1 - 5 charactersRequired

Device identification on which the API services is currently being accessed by the end user (customer)

partnerReferenceNo

string

1 - 64 characters

Unique transaction identifier in partner system for each transaction.
Note: When retrying after a timeout or unexpected response, use the same partnerReferenceNo as in the original request

customerNumber

string

1 - 32 characters

Customer account number, in format 628xxx

accountType

string

1 - 25 characters

Customer account type

beneficiaryAccountNumber

string

1 - 32 charactersRequired

Beneficiary account number

beneficiaryBankCode

string

1 - 8 charactersRequired

Bank code for beneficiary account, refer to Beneficiary Bank Code List

amount

money

Required

Amount.
Contains two sub-fields:

Value: Transaction amount, including the cents
Currency: Currency code based on ISO

value

string

Required

Value of amount. Following ISO-4217, for IDR the value includes 2 decimal digits separated with point e.g. ,IDR 10.000,- will be placed with 10000.00

currency

string

Required

Currency

additionalInfo

json object

Additional information

additionalInfo.fundType

string

1 - 64 charactersRequired

Additional information of top up fund type. Possible values:

AGENT_TOPUP_USER_SETTLE: used for disbursement to balance solution
MERCHANT_WITHDRAW_FOR_CORPORATE: used for disbursement to bank solution

For this fund type, value always MERCHANT_WITHDRAW_FOR_CORPORATE

additionalInfo.externalDivisionId

string

1 - 64 characters

Additional information of external division identifier.
(fundType: MERCHANT_WITHDRAW_FOR_CORPORATE)
Notes: It is generally optional, but becomes mandatory if the additionalInfo.chargeTarget value is set to DIVISION.

additionalInfo.chargeTarget

string

1 - 64 characters

Additional information of charge target. The values are:

null
DIVISION
MERCHANT

Note: If the value is DIVISION, externalDivisionId will be Mandatory

additionalInfo.needNotify

boolean

Additional information of flag result notification on transaction completed (result sync/async)

additionalInfo.beneficiaryAccountName

string

1 - 64 characters

Additional information of beneficiary account name for validation purpose

POST .../v1.0/emoney/transfer-bank.htm HTTP/1.2
Content-type: application/json
Authorization: Bearer gp9HjjEj813Y9JGoqwOeOPWbnt4CUpvIJbU1mMU4a11MNDZ7Sg5u9a
X-TIMESTAMP: 2020-12-21T17:07:11+07:00
X-SIGNATURE: 85be817c55b2c135157c7e89f52499bf0c25ad6eeebe04a986e8c862561b19a5
ORIGIN: www.hostname.com
X-PARTNER-ID: 82150823919040624621823174737537
X-EXTERNAL-ID: 41807553358950093184162180797837
X-IP-ADDRESS: 172.24.281.24
CHANNEL-ID: 95221
{
    "partnerReferenceNo": "2020102900000000000001",
    "customerNumber": "6281773628883",
    "accountType": "SETTLEMENT_ACCOUNT",
    "beneficiaryAccountNumber": "01234567890",
    "beneficiaryBankCode": "002",
    "amount": {
        "value": "10000.00",
        "currency": "IDR"
    },
    "additionalInfo": {
        "fundType": "MERCHANT_WITHDRAW_FOR_CORPORATE",
        "externalDivisionId": "91080916Division",
        "chargeTarget": "DIVISION",
        "needNotify": "true",
        "beneficiaryAccountName": "Holder Name"
    }
}

Content-type

string

1 - 127 charactersRequired

Content type, value always application/json

X-TIMESTAMP

string

25 charactersRequired

Transaction date time, in format YYYY-MM-DDTHH:mm:ss+07:00.
Time must be in GMT+7 (Jakarta time)

responseCode

string

7 charactersRequired

Refer to response code list

responseMessage

string

1 - 150 charactersRequired

Refer to response code list

referenceNo

string

1 - 64 charactersConditional

Transaction identifier on DANA system

Conditional Info

Y:= Successful transaction

partnerReferenceNo

string

1 - 64 characters

Unique transaction identifier in partner system for each transaction.
Note: When retrying after a timeout or unexpected response, use the same partnerReferenceNo as in the original request

transactionDate

string

25 characters

Transaction date, in format YYYY-MM-DDTHH:mm:ss+07:00.
Time must be in GMT+7 (Jakarta time)

referenceNumber

string

1 - 64 charactersRequired

Reference number

additionalInfo

json object

Additional information

Content-type: application/json
X-TIMESTAMP: 2020-12-21T14:36:19+07:00
{
    "responseCode": "2004300",
    "responseMessage": "Successful",
    "referenceNo": "2020102977770000000009",
    "partnerReferenceNo": "2020102900000000000001",
    "transactionDate": "2020-12-21T17:48:41+07:00",
    "referenceNumber": "2020102977770000000009",
    "additionalInfo": {
    }
}

Response	Cause	Solution
2004300Successful	Success to be processed	Mark Transfer to Bank process as Success
2024300Request In Progress	Transaction is on process	Mark Transfer to Bank process as Pending. Hold the money and wait notify
4004300Bad Request	General request failed error	Mark Transfer to Bank process as Failed. Retry request with proper parameter
4004301Invalid Field Format	Invalid format for certain field	Mark Transfer to Bank process as Failed. Retry request with proper parameter
4004302Invalid Mandatory Field	Missing or invalid format on mandatory field	Mark Transfer to Bank process as Failed. Retry request with proper parameter
4014300Unauthorized. [reason]	General unauthorized error	Mark Transfer to Bank process as Failed. Retry request with proper parameter
4014301Invalid Token (B2B)	Authorization token are invalid, perhaps due to token expiry for B2B	Mark Transfer to Bank process as Failed. Retry request with proper parameter
4014302Invalid Customer Token	Customer token are invalid, perhaps due to token expiry	Mark Transfer to Bank process as Failed. Retry request with proper parameter
4014304Customer Token Not Found	Customer token not found in the system. This occurs on any API that requires token as input parameter	Mark Transfer to Bank process as Failed. Retry request with proper parameter
4034302Exceeds Transaction Amount Limit	Exceeds transaction amount limit	Mark Transfer to Bank process as Failed. Retry request with proper amount
4034303Suspected Fraud	Suspected fraud	Mark Transfer to Bank process as Failed. Contact DANA to check the user/merchant status
4034314Insufficient Funds	Insufficient funds	Mark Transfer to Bank process as Failed. Contact DANA to top up deposit balance
4034318Inactive Card/Account/Customer	Indicates inactive account	Mark Transfer to Bank process as Failed. Contact to DANA to check merchant configuration
4034320Merchant Limit Exceed	Merchant aggregated purchase amount on that day exceeds the agreed limit	Mark Transfer to Bank process as Failed. Contact DANA to check merchant configuration
4044303Bank Not Supported By Switch	Bank not supported by switch	Mark Transfer to Bank process as Failed. Retry new Transfer to Bank process with different Bank target
4044311Invalid Card/Account/Customer [info]/Virtual Account	Card information may be invalid, or the card account may be blacklisted, or Virtual Account number maybe invalid	Mark Transfer to Bank process as Failed. Retry request with proper Bank account info
4044318Inconsistent Request	Inconsistent request parameter found for the same partner reference number/transaction identifier	Mark Transfer to Bank process as Success. Contact DANA to check status of Transfer to Bank process
4294300Too Many Requests	Maximum transaction limit exceeded	Mark Transfer to Bank process as Pending. Hold the money and retry request periodically
5004300General Error	General error non retry-able	Mark Transfer to Bank process as Failed. Retry new Transfer to Bank process
5004301Internal Server Error	Unknown internal server failure, please retry the process again	Mark Transfer to Bank process as Pending. Hold the money and retry request periodically
Total timeout	Total timeout, the client side does not get any responses from the server side (Can be due to network issue, server slowing down, and so on)	Do a retry maximum 3 attempts, if still fails mark Transfer to Bank process as Pending and hold the money
Unexpected response (Empty field/field does not exist/undefined response code)	The server does not produce expected responses (Can be due to hardware failure, bugs, and so on)	If the response code prefix are 202 and 5XX, mark Transfer to Bank process as Pending and hold the money If empty field/field does not exist, mark Transfer to Bank process as Pending and hold the money