Bank Account Inquiry

Bank Account Inquiry is an API that allows you to verify the destination bank account information before initiating a disbursement transfer.

Environment	Method	URL
Production	POST	https://partner-b2x.dipay.id/snap/v2.1/emoney/bank-account-inquiry
Demo	POST	https://api-b2x-demo.dipay.id/snap/v2.1/emoney/bank-account-inquiry

Header Parameters

Header	Data Type	Length	Required	Description
Content-Type	String	-	Mandatory	Content type, value always `application/json`
Authorization	String	2048	Mandatory	Access token obtained from the Get Access Token API Value: `Bearer {{accessToken}}`
X-TIMESTAMP	YYYY-MM-DDTHH:mm:ss+07:00	25	Mandatory	Request timestamp in ISO 8601 format.
X-SIGNATURE	String	256	Mandatory	Symmetric signature generated using HMAC-SHA512.
X-PARTNER-ID	String	36	Mandatory	Unique identifier generated by Dipay for the partner. Equal to Client Key.
X-EXTERNAL-ID	Alphanumeric	36	Mandatory	Unique reference identifier generated by partner and should be unique within the same day.
CHANNEL-ID	String	5	Mandatory	Channel ID, value always: `DPAPI`

Request Body

Field	Type	Length	Required	Description
partnerReferenceNo	string	32	Mandatory	Unique transaction identifier on the partner system for each request.
customerNumber	string	36	Mandatory	Unique identifier of the partner. Must match the partner's `Client ID`.
amount	object	-	Mandatory	Amount object
amount.value	string	16,2	Mandatory	Transaction amount, with format `.00`
amount.currency	string	3	Mandatory	Currency. Use `IDR`
beneficiaryAccountNumber	string	32	Mandatory	Beneficiary bank account number, numeric only.
additionalInfo	object	-	Mandatory	Additional information
additionalInfo.beneficiaryBankCode	string	11	Mandatory	Beneficiary bank code. Please refer to Disbursement Bank Codes .
additionalInfo.deviceId	string	32	Optional	Unique identifier of the end-user's device.
additionalInfo.channel	string	255	Optional	The origin channel or interface (web, mobile, or API).

Response Body

Field	Type	Length	Description
responseCode	string	7	Response code (refer to response code list)
responseMessage	string	150	Response message (refer to response code list)
referenceNo	string	36	Unique disbursement identifier from Dipay.
partnerReferenceNo	string	32	Unique disbursement identifier from Partner.
beneficiaryAccountNumber	string	32	Beneficiary bank account number.
beneficiaryAccountName	string	64	Beneficiary bank account name.
beneficiaryBankCode	string	11	Beneficiary bank code.
beneficiaryBankName	string	25	Beneficiary bank name.
amount	object	-	Amount object
amount.value	string	16,2	Transaction amount
amount.currency	string	3	Currency
additionalInfo	object	-	Additional information
additionalInfo.beneficiaryBankCode	string	11	Beneficiary bank code.
additionalInfo.deviceId	string	32	Device ID
additionalInfo.channel	string	255	Channel

Response Codes List

Service Code : 42

Response Code	Response Message	Description
2004200	Successful	Inquiry request successfully processed.
4004201	Invalid Field Format {field name}	Invalid field format.
4004202	Invalid Mandatory Field {field name}	Missing mandatory field.
4014200	Unauthorized. [reason]	General unauthorized error.
4014201	Invalid Token (B2B)	Token found in request is invalid (Access Token Not Exist or Access Token Expiry).
4014203	Token Not Found (B2B)	Token not found in the system. This occurs on any API that requires a token as input parameter.
4034201	Feature Not Allowed. [reason]	The partner is not allowed to call the Account Inquiry API.
4034206	Feature Not Allowed At This Time. [reason]	Feature Not Allowed At This Time.
4034215	Transaction Not Permitted. [reason]	Transaction Not Permitted.
4044203	Bank Not Supported By Switch	Beneficiary Bank Code is Not Supported
4044211	Invalid Card/Account/Customer [info]/Virtual Account	Bank account not found.
4054200	Requested Function Is Not Supported	Request is sent using an unsupported HTTP Method (e.g., DELETE instead of POST)
4094200	Conflict	Cannot use the same X-EXTERNAL-ID on the same day.
4094201	Duplicate partnerReferenceNo	Duplicate partnerReferenceNo
4294200	Too Many Requests	Maximum transaction limit exceeded.
5004201	Internal Server Error	Unknown Internal Server Failure, Please retry the process again.
5044200	Timeout	Timeout

{
    "partnerReferenceNo": "partner_ref_7181897399",
    "customerNumber": "cust-123",
    "amount": {
        "value": "10000.00",
        "currency": "IDR"
    },
    "beneficiaryAccountNumber": "1234567890",
    "additionalInfo": {
        "beneficiaryBankCode": "002",
        "deviceId": "device-123",
        "channel": "mobile"
    }
}
curl --request POST \
  --url 'https://partner-b2x.dipay.id/snap/v2.1/emoney/bank-account-inquiry' \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJqdGkiOiI4MzE0ZDRkMCIsImlhdCI6MTc4NzIyMzEwNSwic3ViIjoiNWFiOGFmNzM5NDA5NzYwMmQxM2FiOGJmMjczZTdkNTE3YjQyNTRhYmNkYTFhMmY2MWM0ZWIxNWY2ZWM5NWY2NSIsImlzcyI6ImNlcml0YW95b24iLCJleHAiOjE3ODcyMjQwMDV9.yNLyfo8x9NPfabpiMjLtNlEqyfnGgteu6X58Hg1T15s' \
  --header 'X-TIMESTAMP: 2026-07-20T17:51:45+07:00' \
  --header 'X-SIGNATURE: GOMDlSYXPUwZoKRkmiaZ1H5NWxJ4nlvX7dfqhGykm+IVt0Ja3xPW41GvpgEbN8RJUNtxUc08+Pca7HnXNqDQUQ==' \
  --header 'X-PARTNER-ID: d7c03ddb-ce99-41e5-90b2-0a3e36291ddb' \
  --header 'X-EXTERNAL-ID: 095520064394252310725507438648773926' \
  --header 'CHANNEL-ID: DPAPI' \
  --data '{
    "partnerReferenceNo": "partner_ref_7181897399",
    "customerNumber": "cust-123",
    "amount": {
        "value": "10000.00",
        "currency": "IDR"
    },
    "beneficiaryAccountNumber": "1234567890",
    "additionalInfo": {
        "beneficiaryBankCode": "002",
        "deviceId": "device-123",
        "channel": "mobile"
    }
}'
Request Samples

    
    
  
2004200
{
    "responseCode": "2004200",
    "responseMessage": "Successful",
    "referenceNo": "8f415a7f-0a8c-4351-b8e4-d4279267950f",
    "partnerReferenceNo": "partner_ref_7181897399",
    "beneficiaryAccountName": "Malcom Waters",
    "beneficiaryAccountNumber": "1234567890",
    "beneficiaryBankCode": "002",
    "beneficiaryBankName": "BRI",
    "amount": {
        "value": "10000.00",
        "currency": "IDR"
    },
    "additionalInfo": {
        "beneficiaryBankCode": "002",
        "deviceId": "device-123",
        "channel": "mobile"
    }
}
4094200
{
  "responseCode": "4094200",
  "responseMessage": "Conflict"
}
4004202
{
    "responseCode": "4004202",
    "responseMessage": "Invalid Mandatory Field partnerReferenceNo"
}
Response Samples

Create Disbursement

Create Disbursement is an API to transfer funds to the destination bank account via disbursement service.

Environment	Method	URL
Production	POST	https://partner-b2x.dipay.id/snap/v2.1/emoney/transfer-bank
Demo	POST	https://api-b2x-demo.dipay.id/snap/v2.1/emoney/transfer-bank

Header Parameters

Header	Data Type	Length	Required	Description
Content-Type	String	-	Mandatory	Content type, value always `application/json`
Authorization	String	2048	Mandatory	Access token obtained from the Get Access Token API Value: `Bearer {{accessToken}}`
X-TIMESTAMP	YYYY-MM-DDTHH:mm:ss+07:00	25	Mandatory	Request timestamp in ISO 8601 format.
X-SIGNATURE	String	256	Mandatory	Symmetric signature generated using HMAC-SHA512.
X-PARTNER-ID	String	36	Mandatory	Unique identifier generated by Dipay for the partner. Equal to Client Key.
X-EXTERNAL-ID	Alphanumeric	36	Mandatory	Unique reference identifier generated by partner and should be unique within the same day.
CHANNEL-ID	String	5	Mandatory	Channel ID, value always: `DPAPI`

Request Body

Field	Type	Length	Required	Description
partnerReferenceNo	string	32	Mandatory	Unique transaction identifier on the partner system for each request.
customerNumber	string	36	Mandatory	Unique identifier of the partner. Must match the partner's `Client ID`.
amount	object	-	Mandatory	Amount object
amount.value	string	16,2	Mandatory	Transaction amount, with format `.00`
amount.currency	string	3	Mandatory	Currency. Use `IDR`
beneficiaryAccountNumber	string	32	Mandatory	Beneficiary bank account number, numeric only.
beneficiaryBankCode	string	11	Mandatory	Beneficiary bank code. Please refer to Disbursement Bank Codes .
additionalInfo	object	-	Conditional	Additional information. This object is mandatory for aggregator partners that manage multiple merchants under a single account.
additionalInfo.deviceId	string	32	Optional	Unique identifier of the end-user's device.
additionalInfo.channel	string	255	Optional	The origin channel or interface (web, mobile, or API).
additionalInfo.beneficiaryEmail	string	255	Optional	Email address(es) to receive the transaction success receipt. Max 5 email, separated by spaces.
additionalInfo.customerReference	string	30	Optional	Transaction remark that may appear on the beneficiary's account statement, depending on bank capabilities. Supports alphanumeric characters and common symbols (e.g. -, *, . )
additionalInfo.partnerMerchantId	string	64	Optional	Unique ID for each partner's merchant.
additionalInfo.originatorInfos	object	-	Conditional	Object related to originator information. This object is mandatory for aggregator partners that manage multiple merchants under a single account.
additionalInfo.originatorInfos. originatorCustomerNo	string	32	Conditional	Originator's bank account number
additionalInfo.originatorInfos. originatorCustomerName	string	100	Conditional	Name of the originator's
additionalInfo.originatorInfos. originatorBankCode	string	11	Conditional	Bank code of the originator's account. Please refer to Disbursement Bank Codes .

Response Body

Field	Type	Length	Description
responseCode	string	7	Response code (refer to response code list)
responseMessage	string	150	Response message (refer to response code list)
referenceNo	string	36	Unique disbursement identifier from Dipay.
partnerReferenceNo	string	32	Unique disbursement identifier from Partner.
referenceNumber	string	36	Reference number
additionalInfo	object	-	Additional information
additionalInfo.deviceId	string	32	Device ID
additionalInfo.channel	string	255	Channel

Response Code List

Service Code : 43

Response Code	Response Message	Description
2004300	Successful	Transaction request successfully processed.
4004301	Invalid Field Format {field name}	Invalid field format.
4004302	Invalid Mandatory Field {field name}	Missing mandatory field
4014300	Unauthorized. [reason]	General unauthorized error.
4014301	Invalid Token (B2B)	Token found in request is invalid (Access Token Not Exist or Access Token Expiry).
4014303	Token Not Found (B2B)	Token not found in the system. This occurs on any API that requires a token as input parameter.
4034301	Feature Not Allowed. [reason]	The partner is not allowed to call the Create Disbursement API.
4034302	Exceeds Transaction Amount Limit	The requested amount is greater than the amount that is allowed.
4034303	Suspected Fraud	Suspected Fraud.
4034306	Feature Not Allowed At This Time. [reason]	Feature Not Allowed At This Time.
4044303	Bank Not Supported By Switch	Beneficiary Bank Code is Not Supported
4034315	Transaction Not Permitted. [reason]	Transaction Not Permitted.
4044311	Invalid Card/Account/Customer [info]/Virtual Account	Bank account not found.
4054300	Requested Function Is Not Supported	Request is sent using an unsupported HTTP Method (e.g., DELETE instead of POST)
4094300	Conflict	Cannot use the same X-EXTERNAL-ID on the same day.
4094301	Duplicate partnerReferenceNo	Duplicate partnerReferenceNo
4294300	Too Many Requests	Maximum transaction limit exceeded.
5004301	Internal Server Error	Unknown Internal Server Failure, Please retry the process again.
5044300	Timeout	Timeout

{
    "partnerReferenceNo": "partner_ref_2746903221",
    "customerNumber": "d7c03ddb-ce99-41e5-90b2-0a3e36291ddb",
    "amount": {
        "value": "10000.00",
        "currency": "IDR"
    },
    "beneficiaryAccountNumber": "12341234",
    "beneficiaryBankCode": "008",
    "additionalInfo": {
        "deviceId": "3306021027",
        "channel": "mobile",
        "beneficiaryEmail": "john.doe1@mail.com john.doe2@mail.com",
        "customerReference": "SNAP Transaction",
        "originatorInfos": {
            "originatorCustomerNo": "12341234",
            "originatorCustomerName": "John Doe",
            "originatorBankCode": "008"
        }
    }
}
curl --request POST \
  --url 'https://partner-b2x.dipay.id/snap/v2.1/emoney/transfer-bank' \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJqdGkiOiJlNjdjMTI0NiIsImlhdCI6MTc4NzQ4OTI4Mywic3ViIjoiYzlmNzc2MjJjMDllN2VjZmRiNDc0NDI3OWRlNGE5N2YwM2VhNjM3YTAwN2M0MWY1M2ZlZDQwYzNlZmJmMDI2NyIsImlzcyI6ImNlcml0YW95b24iLCJleHAiOjE3ODc0OTAxODN9.7VMRcqW1kzGgd2vBpvgNrHNw3bJLHr1XKUT9MFZ6TGo' \
  --header 'X-TIMESTAMP: 2026-08-23T19:48:03+07:00' \
  --header 'X-SIGNATURE: Q9d1y9z5mihChalNLYalz2IAXuRlhBQcPdWWmYvZfF8ZZDmq9amEaoRR/+H3F7IGkIhZGeP7OR2WBZXhAihByA==' \
  --header 'X-PARTNER-ID: d7c03ddb-ce99-41e5-90b2-0a3e36291ddb' \
  --header 'X-EXTERNAL-ID: 403233833804061475166310412252282166' \
  --header 'CHANNEL-ID: DPAPI' \
  --data '{
    "partnerReferenceNo": "partner_ref_2746903221",
    "customerNumber": "d7c03ddb-ce99-41e5-90b2-0a3e36291ddb",
    "amount": {
      "value": "10000.00",
      "currency": "IDR"
    },
    "beneficiaryAccountNumber": "12341234",
    "beneficiaryBankCode": "008",
    "additionalInfo": {
      "deviceId": "3306021027",
      "channel": "mobile",
      "beneficiaryEmail": "john.doe1@mail.com john.doe2@mail.com",
      "customerReference": "SNAP Transaction",
      "originatorInfos": {
        "originatorCustomerNo": "12341234",
        "originatorCustomerName": "John Doe",
        "originatorBankCode": "008"
      }
    }
  }'
Request Samples

    
    
  
2004300
{
    "responseCode": "2004300",
    "responseMessage": "Successful",
    "referenceNo": "e1b2638c-9ef0-11f1-bf1b-e944b4b404f8",
    "partnerReferenceNo": "partner_ref_2746903221",
    "referenceNumber": "e1b2638c-9ef0-11f1-bf1b-e944b4b404f8",
    "additionalInfo": {
        "deviceId": "3306021027",
        "channel": "mobile"
    }
}
4044311
{
  "responseCode": "4044311",
  "responseMessage": "Invalid Card/Account/Customer [info]/Virtual Account"
}
4094300
{
  "responseCode": "4094300",
  "responseMessage": "Conflict"
}
4004302
{
  "responseCode": "4004302",
  "responseMessage": "Invalid Mandatory Field beneficiaryAccountNumber"
}
Response Samples

Get Disbursement Status

Disbursement Check Status is an API to get transfer transaction status. You may need to call this API few times until getting a final status (success/failed). We suggest to check the status 60 seconds after the disbursement requested.

Environment	Method	URL
Production	POST	https://partner-b2x.dipay.id/snap/v2.1/transfer/status
Demo	POST	https://api-b2x-demo.dipay.id/snap/v2.1/transfer/status

Header Parameters

Header	Data Type	Length	Required	Description
Content-Type	String	-	Mandatory	Content type, value always `application/json`
Authorization	String	2048	Mandatory	Access token obtained from the Get Access Token API Value: `Bearer {{accessToken}}`
X-TIMESTAMP	YYYY-MM-DDTHH:mm:ss+07:00	25	Mandatory	Request timestamp in ISO 8601 format.
X-SIGNATURE	String	256	Mandatory	Symmetric signature generated using HMAC-SHA512.
X-PARTNER-ID	String	36	Mandatory	Unique identifier generated by Dipay for the partner. Equal to Client Key.
X-EXTERNAL-ID	Alphanumeric	36	Mandatory	Unique reference identifier generated by partner and should be unique within the same day.
CHANNEL-ID	String	5	Mandatory	Channel ID, value always: `DPAPI`

Request Body

Field	Type	Length	Required	Description
originalPartnerReferenceNo	string	32	Mandatory	Unique transaction identifier on the partner system for each request.
serviceCode	string	2	Mandatory	Transaction type indicator of the disbursement transaction that needs to be checked (original transaction). Use `43`
additionalInfo	object	-	Optional	Additional information
additionalInfo.sendCallback	boolean	-	Optional	A flag to indicate if the status of the disbursement request needs to be re-sent as a callback or not. Value: `true or false`

Response Body

Field	Type	Length	Description
responseCode	string	7	Response code (refer to response code list)
responseMessage	string	150	Response message (refer to response code list)
originalReferenceNo	string	36	Original unique disbursement identifier from Dipay.
originalPartnerReferenceNo	string	32	Original unique disbursement identifier from Partner.
originalExternalId	string	36	External-ID from the given originalPartnerReferenceNo.
serviceCode	string	2	Service code of the Create Disbursement API.
transactionDate	string	25	Request timestamp in ISO 8601 format (YYYY-MM-DDTHH:mm:ss+07:00)
amount	object	-	Amount object
amount.value	string	16,2	Transaction amount
amount.currency	string	3	Currency
beneficiaryAccountNo	string	32	Beneficiary bank account number.
beneficiaryBankCode	string	11	Beneficiary bank code.
currency	string	3	Currency
referenceNumber	string	36	Reference number
sourceAccountNo	string	19	Source account
latestTransactionStatus	string	2	Latest transaction status code
transactionStatusDesc	string	50	Transaction status description
additionalInfo	object	-	Additional information
additionalInfo.receiptUrl	string	255	URL to download the transaction success receipt.
additionalInfo.failedReason	string	255	Details explaining why the transaction failed.

Status Code Mapping

latestTransactionStatus	transactionStatusDesc	Description
00	Success	Transaction has been successfully completed, and the funds have been credited to the beneficiary's account.
01	Initiated	Transaction has been initiated and is waiting to be processed.
02	Paying	Transaction is currently being processed.
03	Pending	Transaction status is still awaiting confirmation from the bank.
06	Failed	Transaction has failed.

Response Code List

Service Code : 36

Response Code	Response Message	Description
2003600	Successful	Check status request successfully processed.
4003600	Bad Request	General request failed error, including message parsing failed.
4003601	Invalid Field Format {field name}	Invalid field format.
4003602	Invalid Mandatory Field {field name}	Missing mandatory field
4013600	Unauthorized. [reason]	General unauthorized error.
4013601	Invalid Token (B2B)	Token found in request is invalid (Access Token Not Exist or Access Token Expiry).
4013603	Token Not Found (B2B)	Token not found in the system. This occurs on any API that requires a token as input parameter.
4033601	Feature Not Allowed. [reason]	The partner is not allowed to call the Check Status API.
4043601	Transaction Not Found	Transaction not found on Dipay system.
4053600	Requested Function Is Not Supported	Request is sent using an unsupported HTTP Method (e.g., DELETE instead of POST)
4093600	Conflict	Cannot use the same X-EXTERNAL-ID on the same day.
4293600	Too Many Requests	Maximum transaction limit exceeded.
5003601	Internal Server Error	Unknown Internal Server Failure, Please retry the process again.
5043600	Timeout	Timeout

{
    "originalPartnerReferenceNo": "TRX-20260629-002",
    "serviceCode": "43",
    "additionalInfo": {
        "sendCallback": true
    }
}

curl --request POST \
  --url 'https://partner-b2x.dipay.id/snap/v2.1/transfer/status' \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJqdGkiOiI2OGViOTZjZCIsImlhdCI6MTc4NzQ4OTA1MCwic3ViIjoiYzlmNzc2MjJjMDllN2VjZmRiNDc0NDI3OWRlNGE5N2YwM2VhNjM3YTAwN2M0MWY1M2ZlZDQwYzNlZmJmMDI2NyIsImlzcyI6ImNlcml0YW95b24iLCJleHAiOjE3ODc0ODk5NTB9.in1HDk_iN3A_wjKT9mRKV7pzjqrvNemhdjv5JsPJ7sM' \
  --header 'X-TIMESTAMP: 2026-08-23T19:44:10+07:00' \
  --header 'X-SIGNATURE: vlW8sGcs6WrI+nSPE/p1EOVgSdG1d2IvQQDHQL35MCKT3FB77XKo4dG4d059EPh5kdXSmGiRyJ2aRJkgqDYP8Q==' \
  --header 'X-PARTNER-ID: d7c03ddb-ce99-41e5-90b2-0a3e36291ddb' \
  --header 'X-EXTERNAL-ID: 175721826805344434795918982984024840' \
  --header 'CHANNEL-ID: DPAPI' \
  --data '{
    "originalPartnerReferenceNo": "TRX-20260629-002",
    "serviceCode": "43",
    "additionalInfo": {
      "sendCallback": true
    }
}'

‍

Request Samples

2003600 (Success)

{
    "responseCode": "2003600",
    "responseMessage": "Successful",
    "originalReferenceNo": "b2c5dab8-738d-11f1-acfb-9573cbed5e31",
    "originalPartnerReferenceNo": "TRX-20260629-002",
    "originalExternalId": "175721826805344434795918982984024840",
    "serviceCode": "43",
    "transactionDate": "2026-06-29T14:39:45+07:00",
    "amount": {
        "value": "10000.00",
        "currency": "IDR"
    },
    "beneficiaryAccountNo": "123412345",
    "beneficiaryBankCode": "008",
    "currency": "IDR",
    "referenceNumber": "b2c5dab8-738d-11f1-acfb-9573cbed5e31",
    "sourceAccountNo": "DIPAY",
    "latestTransactionStatus": "00",
    "transactionStatusDesc": "Success",
    "additionalInfo": {
        "receiptUrl": "https://partner-b2x.dipay.id/api/receipt?partner_trx_id=TRX-20260629-002&trx_id=b2c5dab8-738d-11f1-acfb-9573cbed5e31"
    }
}

2003600 (Failed)

{
    "responseCode": "2003600",
    "responseMessage": "Successful",
    "originalReferenceNo": "b2c5dab8-738d-11f1-acfb-9573cbed5e31",
    "originalPartnerReferenceNo": "TRX-20260629-002",
    "originalExternalId": "175721826805344434795918982984024840",
    "serviceCode": "43",
    "transactionDate": "2026-06-29T14:39:45+07:00",
    "amount": {
        "value": "10000.00",
        "currency": "IDR"
    },
    "beneficiaryAccountNo": "123412345",
    "beneficiaryBankCode": "008",
    "currency": "IDR",
    "referenceNumber": "b2c5dab8-738d-11f1-acfb-9573cbed5e31",
    "sourceAccountNo": "DIPAY",
    "latestTransactionStatus": "06",
    "transactionStatusDesc": "Failed",
    "additionalInfo": {
        "failedReason": "Not enough balance to disburse the money, please top up your balance."
    }
}

4003602

{
    "responseCode": "4003602",
    "responseMessage": "Invalid Mandatory Field originalPartnerReferenceNo"
}

4093600

{
  "responseCode": "4093600",
  "responseMessage": "Conflict"
}

Response Samples

Disbursement Callback

Once a disbursement request is completed, our system will send a status callback to your system.

You can configure your Callback URL in the Business Dashboard:

Open the Settings tab.
Select Developer Options.
Select Callback Configuration.
Enter your Callback URL in the API Disbursement field.

Callback Parameters

Field	Type	Length	Description
originalReferenceNo	string	36	Original unique disbursement identifier from Dipay.
originalPartnerReferenceNo	string	32	Original unique disbursement identifier from Partner.
originalExternalId	string	36	External-ID from the given originalPartnerReferenceNo.
serviceCode	string	2	Service code of the create disbursement API.
transactionDate	string	25	Request timestamp in ISO 8601 format (YYYY-MM-DDTHH:mm:ss+07:00)
amount	object	-	Amount object
amount.value	string	16,2	Transaction amount
amount.currency	string	3	Currency
beneficiaryAccountNo	string	32	Beneficiary bank account number.
beneficiaryBankCode	string	11	Beneficiary bank code.
currency	string	3	Currency
referenceNumber	string	36	Reference number
sourceAccountNo	string	19	Source account
latestTransactionStatus	string	2	Latest transaction status code
transactionStatusDesc	string	50	Transaction status description
additionalInfo	object	-	Additional information
additionalInfo.receiptUrl	string	255	URL to download the transaction success receipt.
additionalInfo.failedReason	string	255	Details explaining why the transaction failed.

Status Code Mapping

latestTransactionStatus	transactionStatusDesc	Description
00	Success	Transaction has been successfully completed, and the funds have been credited to the beneficiary's account.
01	Initiated	Transaction has been initiated and is waiting to be processed.
02	Paying	Transaction is currently being processed.
03	Pending	Transaction status is still awaiting confirmation from the bank.
06	Failed	Transaction has failed.

‍

Request Samples

    
    
  
Callback Success
{
    "originalReferenceNo": "b2c5dab8-738d-11f1-acfb-9573cbed5e31",
    "originalPartnerReferenceNo": "TRX-20260629-002",
    "originalExternalId": "175721826805344434795918982984024840",
    "serviceCode": "43",
    "transactionDate": "2026-06-29T14:39:45+07:00",
    "amount": {
        "value": "10000.00",
        "currency": "IDR"
    },
    "beneficiaryAccountNo": "123412345",
    "beneficiaryBankCode": "008",
    "currency": "IDR",
    "referenceNumber": "b2c5dab8-738d-11f1-acfb-9573cbed5e31",
    "sourceAccountNo": "DIPAY",
    "latestTransactionStatus": "00",
    "transactionStatusDesc": "Success",
    "additionalInfo": {
        "receiptUrl": "https://partner-b2x.dipay.id/api/receipt?partner_trx_id=TRX-20260629-002&trx_id=b2c5dab8-738d-11f1-acfb-9573cbed5e31"
    }
}
Callback Failed
{
    "originalReferenceNo": "b2c5dab8-738d-11f1-acfb-9573cbed5e31",
    "originalPartnerReferenceNo": "TRX-20260629-002",
    "originalExternalId": "175721826805344434795918982984024840",
    "serviceCode": "43",
    "transactionDate": "2026-06-29T14:39:45+07:00",
    "amount": {
        "value": "10000.00",
        "currency": "IDR"
    },
    "beneficiaryAccountNo": "123412345",
    "beneficiaryBankCode": "008",
    "currency": "IDR",
    "referenceNumber": "b2c5dab8-738d-11f1-acfb-9573cbed5e31",
    "sourceAccountNo": "DIPAY",
    "latestTransactionStatus": "06",
    "transactionStatusDesc": "Failed",
    "additionalInfo": {
        "failedReason": "Not enough balance to disburse the money, please top up your balance."
    }
}
Response Samples

Disbursement Bank Codes

Supported Bank Codes to be used in the Disbursement Request:

No	DIPAY Bank Code	Bank Name
1	002	BRI
2	008	Bank Mandiri
3	009	Bank Negara Indonesia
4	011	Bank Danamon
5	013	Bank Permata
6	014	BCA
7	016	BII Maybank
8	019	Bank Panin
9	022	CIMB Niaga
10	023	Bank UOB Indonesia
11	028	OCBC
12	031	CITIBANK
13	032	JPMORGAN CHASE BANK
14	033	BANK OF AMERICA
15	036	Bank China Construction Bank Indonesia
16	037	Bank Artha Graha Internasional
17	042	MUFG Bank
18	046	Bank DBS Indonesia
19	047	BANK RESONA PERDANIA
20	048	BANK MIZUHO INDONESIA
21	050	Standard Chartered
22	054	Bank Capital Indonesia
23	057	BANK BNP PARIBAS INDONESIA
24	061	ANZ Indonesia
25	067	Deutsche Bank AG
26	069	BANK OF CHINA
27	076	BANK BUMI ARTA
28	087	Bank HSBC Indonesia
29	095	Bank JTRUST INDONESIA
30	097	BANK MAYAPADA INTERNATIONAL
31	110	BJB
32	111	BANK DKI
33	112	Bank DIY
34	112S	Bank DIY Syariah
35	113	Bank Jateng
36	114	Bank Jatim
37	114S	Bank Jatim Syariah
38	115	BANK JAMBI
39	115S	Bank Jambi Syariah
40	116	BANK ACEH
41	117	BANK SUMUT
42	117S	Bank Sumut Syariah
43	118	Bank Nagari
44	118S	Bank Nagari Syariah
45	119	Bank Riau
46	120	BANK SUMSEL BABEL
47	120S	Bank Sumsel Babel Syariah
48	121	BANK LAMPUNG
49	122	Bank Kalsel
50	122S	Bank Kalsel Syariah
51	123	Bank Kalbar
52	123S	Bank Kalbar Syariah
53	124	Bank Kaltim
54	124S	Bank Kaltim Syariah
55	125	Bank Kalteng
56	126	BANK SULSELBAR
57	126S	Bank Sulselbar Syariah
58	127	BANK SULUT
59	128	BANK NTB
60	129	Bank Bali
61	130	BANK NTT
62	131	BANK MALUKU
63	132	Bank Papua
64	133	Bank Bengkulu
65	134	BANK SULTENG
66	135	Bank Sultra
67	137	BANK BANTEN
68	146	BANK OF INDIA INDONESIA
69	147	BANK MUAMALAT INDONESIA
70	151	BANK MESTIKA
71	152	BANK SHINHAN
72	153	BANK SINARMAS
73	157	BANK MASPION INDONESIA
74	161	BANK GANESHA
75	164	Bank ICBC Indonesia
76	167	BANK QNB INDONESIA
77	200	BTN
78	200S	BTN Syariah
79	212	BANK WOORI SAUDARA
80	213	Bank SMBC Indonesia
81	253	BANK NANO SYARIAH
82	405	BANK VICTORIA SYARIAH
83	425	BJB Syariah
84	426	BANK MEGA
85	441	BANK BUKOPIN
86	451	BANK SYARIAH INDONESIA
87	459	Krom Bank Indonesia
88	472	BANK JASA JAKARTA
89	484	BANK KEB HANA
90	485	Bank MNC
91	490	Bank Neo Commerce
92	494	Bank Raya Indonesia
93	498	Bank SBI Indonesia
94	501	BCA Digital
95	503	Bank National Nobu
96	506	BANK MEGA SYARIAH
97	513	BANK INA
98	517	BANK PANIN SYARIAH
99	521	BANK SYARIAH BUKOPIN
100	523	BANK SAHABAT SAMPOERNA
101	526	Bank Oke Indonesia
102	531	BANK AMAR INDONESIA
103	535	BANK SEABANK INDONESIA
104	536	BANK BCA SYARIAH
105	542	Bank Jago
106	542S	Bank Jago Syariah
107	547	BANK BTPN SYARIAH
108	548	BANK MULTIARTA SENTOSA
109	553	Bank Hibank Indonesia
110	555	BANK INDEX
111	562	Superbank
112	564	Bank Mandiri Taspen
113	567	Allo Bank
114	724	Bank DKI Syariah
115	725	Bank Jateng Syariah
116	734	BANK SINARMAS UUS
117	945	BANK IBK INDONESIA
118	947	BANK ALADIN SYARIAH
119	949	Bank CTBC Indonesia

Request Samples

Response Samples

Mock Data in Demo Environment

The Demo Environment is provided for integration and testing purposes. Transactions performed in this environment do not result in actual fund transfers.

Mock Data

To facilitate integration and testing, the Disbursement API provides mock data in the Demo Environment based on the beneficiaryAccountNumber provided in the request. This allows you to simulate various transaction outcomes without executing real transactions.

The beneficiaryAccountNumber parameter is available in the Bank Account Inquiry and Create Disbursement APIs.

‍

Bank Account Inquiry

beneficiaryAccountNumber	Test Scenario
`404421100`	Account Inquiry Failed — Bank Account Not Found
`429420000`	Too Many Requests
`500420100`	Internal Server Error
`504420000`	Timeout
`200420000` or any other value	Account Inquiry Success

Create Disbursement

beneficiaryAccountNumber	Test Scenario
`200430002`	In Progress Transaction
`200430003`	Pending Transaction
`200430006`	Failed Transaction
`404431100`	Wrong Beneficiary Account Number — Bank Account Not Found
`429430000`	Too Many Requests
`403430300`	Suspected Fraud
`500430100`	Internal Server Error
`504430000`	Timeout
`200430000` or any other value	Successful Transaction

‍

Request Samples

Response Samples

Get Balance

Use this API to get partner balance in Dipay system.

Environment	Method	URL
Production	POST	https://partner-b2x.dipay.id/snap/v2.1/balance-inquiry
Demo	POST	https://api-b2x-demo.dipay.id/snap/v2.1/balance-inquiry

Header Parameters

Header	Data Type	Length	Required	Description
Content-Type	String	-	Mandatory	Content type, value always `application/json`
Authorization	String	2048	Mandatory	Access token obtained from the Get Access Token API Value: `Bearer {{accessToken}}`
X-TIMESTAMP	YYYY-MM-DDTHH:mm:ss+07:00	25	Mandatory	Request timestamp in ISO 8601 format.
X-SIGNATURE	String	256	Mandatory	Symmetric signature generated using HMAC-SHA512.
X-PARTNER-ID	String	36	Mandatory	Unique identifier generated by Dipay for the partner. Equal to Client Key.
X-EXTERNAL-ID	Alphanumeric	36	Mandatory	Unique reference identifier generated by partner and should be unique within the same day.
CHANNEL-ID	String	5	Mandatory	Channel ID, value always: `DPAPI`

Request Body

Field	Type	Length	Required	Description
partnerReferenceNo	string	32	Optional	Unique transaction identifier on the partner system for each request.
balanceTypes	Array of String	-	Optional	Balance type to be inquired. Use `DEPOSIT`.
additionalInfo	object	-	Optional	Additional information
additionalInfo.deviceId	string	32	Optional	Unique identifier of the end-user's device.
additionalInfo.channel	string	255	Optional	The origin channel or interface (web, mobile, or API).

Response Body

Field	Type	Length	Description
responseCode	string	7	Response code (refer to response code list)
responseMessage	string	150	Response message (refer to response code list)
name	string	140	Partner’s Brand Name in Dipay system.
accountInfos	object	-	List of account balance information.
balanceType	string	19	Balance type to be inquired. Use DEPOSIT.
availableBalance	object	-	Available Balance object.
availableBalance.value	string	16.2	Available Balance. Balance that can be used for transaction
availableBalance.currency	string	3	Currency.
balance	object	-	Balance object. Total of Balance in Dipay system.
balance.value	string	16.2	Balance.
balance.currency	string	3	Currency.
bridgedBalance	object	-	Bridged Balance object. Only shown if Bridged Balance feature = Active.
bridgedBalance.value	string	16.2	Bridged Balance.
bridgedBalance.currency	string	3	Currency.
pendingBalance	object	-	Pending Balance object.
pendingBalance.value	string	16.2	Pending Balance.
pendingBalance.currency	string	3	Currency.
frozenBalance	object	-	Frozen Balance object.
frozenBalance.value	string	16.2	Frozen Balance.
frozenBalance.currency	string	3	Currency.

Response Codes List

Service Code : 11

Response Code	Response Message	Description
2001100	Successful	Get Balance request successfully processed.
4001100	Bad Request	General request failed error, including message parsing failed.
4001101	Invalid Field Format {field name}	Invalid field format.
4001102	Invalid Mandatory Field {field name}	Missing mandatory field.
4011100	Unauthorized. [reason]	General unauthorized error.
4011101	Invalid Token (B2B)	Token found in request is invalid (Access Token Not Exist or Access Token Expiry).
4011103	Token Not Found (B2B)	Token not found in the system. This occurs on any API that requires a token as input parameter.
4031101	Feature Not Allowed. [reason]	The partner is not allowed to call the Get Balance API.
4051100	Requested Function Is Not Supported	Request is sent using an unsupported HTTP Method (e.g., DELETE instead of POST)
4091100	Conflict	Cannot use the same X-EXTERNAL-ID on the same day.
4291100	Too Many Requests	Maximum transaction limit exceeded.
5001101	Internal Server Error	Unknown Internal Server Failure, Please retry the process again.
5041100	Timeout	Timeout

{
  "partnerReferenceNo": "d3s34sa873ca",
  "balanceTypes": [
    "DEPOSIT"
  ],
  "additionalInfo": {
    "deviceId": "deviceId",
    "channel": "API"
  }
}

‍

curl --location 'https://partner-b2x.dipay.id/snap/v2.1/balance-inquiry' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJqdGkiOiI2OGViOTZjZCIsImlhdCI6MTc4NzQ4OTA1MCwic3ViIjoiYzlmNzc2MjJjMDllN2VjZmRiNDc0NDI3OWRlNGE5N2YwM2VhNjM3YTAwN2M0MWY1M2ZlZDQwYzNlZmJmMDI2NyIsImlzcyI6ImNlcml0YW95b24iLCJleHAiOjE3ODc0ODk5NTB9.in1HDk_iN3A_wjKT9mRKV7pzjqrvNemhdjv5JsPJ7sM' \
--header 'X-TIMESTAMP: 2026-09-11T15:04:32+07:00' \
--header 'X-SIGNATURE: iAwfUngiCyjgmugEoyeug6vXr2EEkYlOyCfmr4NjAOVmSS2PcallniKb1ufPqIUUYCJicDvqFj3UElhO0OtHAg==' \
--header 'X-PARTNER-ID: d7c03ddb-ce99-41e5-90b2-0a3e36291ddb' \
--header 'X-EXTERNAL-ID: 175721826805344434795918982984024840' \
--header 'CHANNEL-ID: DPAPI' \
--data '{
    "partnerReferenceNo": "d35d239a140a4244aee576fc2ba873ca",
    "balanceTypes": [
        "DEPOSIT"
    ],
    "additionalInfo": {
        "deviceId": "device-mac",
        "channel": "API"
    }
}'

‍

Request Samples

2001100

{
    "responseCode": "2001100",
    "responseMessage": "Successful",
    "name": "Your Brand Name",
    "accountInfos": {
        "balanceType": "DEPOSIT",
        "availableBalance": {
            "value": "1007000.00",
            "currency": "IDR"
        },
        "balance": {
            "value": "7000.00",
            "currency": "IDR"
        },
        "bridgedBalance": {
            "value": "1000000.00",
            "currency": "IDR"
        },
        "pendingBalance": {
            "value": "0.00",
            "currency": "IDR"
        },
        "frozenBalance": {
            "value": "0.00",
            "currency": "IDR"
        }
    }
}

4091100

{
  "responseCode": "4091100",
  "responseMessage": "Conflict"
}

4001101

{
    "responseCode": "4001101",
    "responseMessage": "Invalid Field Format partnerReferenceNo"
}

Response Samples