Create Payment

POST/api/payments

Membuat transaksi pembayaran. Request dapat berisi satu transaksi atau bulk melalui field payments.

Headers

Header	Wajib	Keterangan
`Authorization`	Ya	`Bearer sk_xxx`
`Content-Type`	Ya	`application/json`
`Idempotency-Key`	Tidak	ID unik untuk request tunggal. Untuk bulk, gunakan `payments[].idempotency_key`.

Body Fields

Field	Type	Wajib	Keterangan
`amount`	integer	Ya untuk request tunggal	Nominal order.
`currency`	string	Tidak	Default `IDR`.
`payment_method`	string	Tidak	Default `qris`. Saat ini hanya `qris` yang didukung.
`merchant_reference_id`	string	Tidak	ID order di sistem merchant.
`customer`	object	Tidak	Data pelanggan.
`metadata`	object	Tidak	Data tambahan dari merchant.
`payments`	array	Tidak	Daftar transaksi untuk bulk create. Maksimal `50` item per request.
`payments[].idempotency_key`	string	Disarankan	ID unik per item bulk.

Payment Method Fields

Field	Keterangan
`payment_method`	Kode metode pembayaran. Jika dikosongkan, maka akan dianggap sebagai `qris`.
`qris_payload`	Payload pembayaran pada response QRIS.
`qris_image_url`	URL gambar QR pada response QRIS.

Single Request Example

cURL

curl -X POST "<origin>/api/payments" \  -H "Authorization: Bearer sk_xxx" \  -H "Content-Type: application/json" \  -H "Idempotency-Key: AMEKURUMIN12345" \  -d '{  "amount": 150000,  "payment_method": "qris",  "merchant_reference_id": "ORDER-1024",  "customer": {    "name": "Nara",    "email": "nara@example.com"  }}'

Bulk Request Example

cURL

curl -X POST "<origin>/api/payments" \  -H "Authorization: Bearer sk_xxx" \  -H "Content-Type: application/json" \  -d '{  "payments": [    {      "amount": 150000,      "payment_method": "qris",      "merchant_reference_id": "ORDER-1024",      "idempotency_key": "ORDER-1024"    },    {      "amount": 89000,      "payment_method": "qris",      "merchant_reference_id": "ORDER-1025",      "idempotency_key": "ORDER-1025"    }  ]}'

Single Response

{
  "payment": {
    "id": "f2b1d5b0-7b1f-4c5d-9c37-93f0c8f6a001",
    "reference_id": "PAY-LXAMPLE",
    "merchant_reference_id": "ORDER-1024",
    "payment_method_code": "qris",
    "provider": "gopay",
    "currency": "IDR",
    "amount": 150000,
    "fee_amount": 1050,
    "net_amount": 150000,
    "total_amount": 151050,
    "status": "pending",
    "qris_payload": "000201010212...",
    "qris_image_url": "<qris_image_url>",
    "expires_at": "2026-05-19T10:30:00Z",
    "created_at": "2026-05-19T10:00:00Z",
    "updated_at": "2026-05-19T10:00:00Z"
  }
}

Bulk Response

{
  "payments": [
    {
      "id": "f2b1d5b0-7b1f-4c5d-9c37-93f0c8f6a001",
      "reference_id": "PAY-LXAMPLE",
      "merchant_reference_id": "ORDER-1024",
      "payment_method_code": "qris",
      "amount": 150000,
      "fee_amount": 1050,
      "net_amount": 150000,
      "total_amount": 151050,
      "status": "pending",
      "expires_at": "2026-05-19T10:30:00Z"
    }
  ]
}

Response Fields

Field	Keterangan
`payment.id` / `payments[].id`	UUID transaksi.
`payment.reference_id` / `payments[].reference_id`	ID transaksi dari Chiwa Pay.
`payment.merchant_reference_id`	ID order dari merchant.
`payment.payment_method_code`	Metode pembayaran.
`payment.amount`	Nominal order.
`payment.fee_amount`	Biaya pembayaran.
`payment.net_amount`	Gross amount yang diterima merchant.
`payment.total_amount`	Nominal yang harus dibayar pelanggan.
`payment.status`	Status transaksi.
`payment.expires_at`	Batas waktu pembayaran; setelah melalui, transaksi pending menjadi `expired`.

Fee Payer

Value	Pelanggan bayar	Merchant menerima
`buyer`	`amount + fee_amount`	`amount`
`merchant`	`amount`	`amount - fee_amount`

QRIS dibuat dinamis dari provider dan divalidasi menggunakan ID transaksi provider, bukan pencocokan nominal.

HTTP Error Code

HTTP	Code	Keterangan
`400`	`invalid_json`	Body bukan JSON valid.
`400`	`invalid_amount`	`amount` harus lebih dari 0.
`400`	`invalid_bulk_size`	`payments` harus berisi 1 sampai 50 item.
`400`	`unsupported_payment_method`	Payment method tidak didukung.
`400`	`payment_create_failed`	Transaksi gagal dibuat.
`401`	`invalid_api_key`	Secret key tidak valid.
`403`	`merchant_not_approved`	Merchant belum aktif.
`429`	`rate_limited`	Rate limit terlampaui.

Create Payment

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