Dokumentasi Interbank Transfer

API Information

Title	API Account Inquiry/Interbank Transfer
Version	v1.0
URL Sandbox	`https://sandbox.partner.api.bri.co.id`
URL Production

Version Control

API Version	Date	Document Link	Description
v2.0	4 September 2024	This page	Baseline version
v3.0	20 Feb 2025	This page	Change object originatorInfos Request and Response Transfer Interbank

Unduh Postman

Product Description

Product Overview

This feature is used to transfer funds from one Non-PJP Service User account, PJP PIAS, or PJP AIS Institutions Other Than Banks, at PJP AIS Bank to the destination account at another PJP AIS Bank through the intermediation of Payment Infrastructure Provider (PIP) such as GPN or BI-FAST.

Endpoint

A. Eksternal Account Inquiry

This endpoint is used to validate the destination account number and name before performing Interbank or BI-FAST book-entry.

General Information

HTTP Method	POST
Path	`/interbank/snap/v2.0/account-inquiry-external`
Tipe Format	JSON
Authentication	OAuth 2.0 with Access Token

Header Structure

Key	Value	Format	Mandatory	Length	Description
Authorization	Authorization	String	M		Bearer {Token}
X-TIMESTAMP	timestamp	Datetime	M		Format Timestamp ISO8601
X-SIGNATURE	signature	String	M		HMAC_SHA512
Content-type	application/json		M		application/json
X-PARTNER-ID		Alphanumeric	M	36
CHANNEL-ID		Alphanumeric	M	5
X-EXTERNAL-ID		Numeric	M	36

Request Structure

Field	Data Type	Format	Mandatory	Length	Description	Contoh
beneficiaryBankCode	String	Numeric	M	3 Note : SNAP BI length (8)	Destination Bank Code	002
beneficiaryAccountNo	String	Numeric	M	34	Other bank account for transaction (real account/proxy resolution) note : Use the @ sign if using proxy resolution. Ex : @bankbri@corp.bri.co.id (for proxy resolution email) or @6285733347341 (for proxy resolution phone number). Proxy resolution specifically for BIFAST Inquiry	888801000157508
additionalInfo	Object		O
>serviceCode	String	Numeric	M	2	Inquiry Account Interbank = 16 Inquiry Account BIFAST = 81
>deviceId	String	Alphanumeric	O
>channel	String	Alphanumeric	O

Response Structure & Sample

Field	Data Type	Format	Mandatory	Length	Deskripsi	Contoh
responseCode	String	Numeric	M	7	Response code	2000000
responseMessage	String	Alphanumeric	M	250	response Message	Successful
referenceNo	String	Numeric	O Note : SNAP BI (C)	20 Note: SNAP BI length (64)	Transaction identification on the service provider system. Must be filled in after the transaction is successful	2020102977770000000009
beneficiaryAccountName	String	Alphanumeric	M	100	Recipient Account Name	John Doe
beneficiaryAccountNo	String	Numeric	M	34	Recipient Account Number	888801000157508 @6285733347341
beneficiaryBankCode	String	Numeric	O	3 Note: SNAP BI length (8)	Recipient Bank Code	CENAIDJA (BI-FAST) 014 (Interbank)
currency	String	Alphanumeric	O	3	Currency	IDR
additionalInfo	Object		O
>externalId	String		O	12
>registrationId	String		O		Registration ID
>receiverName	String		O		Name of account holder for transaction destination
>accountNumber	String		O		Account number, this response will appear if the inquiry uses proxy resolution	888801000157508
>beneficiaryAccountType	String		O		Account number type
>receiverType	String	Numeric	O	2	Types of recipients 01=Individual 99=Others 04=Remittance 03=Government 02=Corporate
>receiverIdentityNumber	String	Numeric	O		Recipient ID number
>receiverResidentStatus	String		O	2	Types of recipient population status 01=Resident 02=NonResident
>receiverTownName	String	Numeric	O	4
>deviceId	String	Alphanumeric	O			12345 679237
>channel	String	Alphanumeric	O			mobilephone

Request & Response Payload Sample

Request Inquiry Real Account: :

{
  "beneficiaryBankCode": "002",
  "beneficiaryAccountNo": "888801000157508",
  "additionalInfo": {
    "deviceId": "12345679237",
    "channel": "mobilephone"
  }
}

Request Inquiry Proxy Account :

{
    "beneficiaryBankCode": "",
    "beneficiaryAccountNo": "@6285733347341",
    "additionalInfo": {
        "serviceCode": "81",
        "deviceId": "12345679237",
        "channel": "mobilephone"
    }
}

Normal Response Real Account:

{
  "responseCode": "2001600",
  "responseMessage": "Successful",
  "referenceNo": "202203070000000001",
  "beneficiaryAccountName": "Dummy",
  "beneficiaryAccountNo": "888801000157508",
  "beneficiaryBankCode": "002",
  "beneficiaryBankName": "Bank BRI",
  "currency": "IDR",
  "additionalInfo": {
    "channel": "mobilephone",
    "deviceId": "12345679237"
  }
}

Normal Response Proxy Account:

{
    "responseCode": "2008100",
    "responseMessage": "Successful",
    "referenceNo": "202203070000000001",
    "beneficiaryAccountName": "Dummy",
    "beneficiaryAccountNo": "888801000157508",
    "beneficiaryBankCode": "002",
    "beneficiaryBankName": "Bank BRI",
    "currency": "IDR",
    "additionalInfo": {
        "channel": "mobilephone",
        "deviceId": "12345679237",
        "externalId": "53296848727",
        "registrationId": "0001230075",
        "receiverName": "KR DUMMY ACCOUNT TBXXXXXXXXXXXXXXXXXXXXX",
        "beneficiaryAccountType": "SVGS",
        "accountNumber": "020601000988301",
        "receiverType": "02",
        "receiverResidentStatus": "01",
        "receiverIdentityNumber": "1216728398362819",
        "receiverTownName": "0300"
    }
}

Error Response :

{
    "responseCode": "4001601",
    "responseMessage": "Invalid Field Format beneficiaryAccountCode"
}

List of Error/Response Code

HTTP Status	Service Code	Code	Status	ResponseDescription
200	16	00	Sukses	Successful
400	16	01	Gagal	Invalid Field Format {fieldName}
400	16	02	Gagal	Invalid Mandatory Field {fieldName}
401	16	00	Gagal	Unauthorized. Client
403	16	15	Gagal	Transaction Not Permitted. [reason]
403	16	16	Pending	Suspend Transaction
403	16	18	Gagal	Inactive Card/Account/Customer
404	18	11	Gagal	Invalid Card/Account/Customer[info]/Virtual Account
500	16	00	Pending	General Error
504	16	00	Pending	Timeout

Any error response not listed in the BRIAPI response list is considered pending and requires further investigation.

B. Transfer Interbank

This endpoint is used to transfer funds from one Non-PJP Service User account, PJP PIAS, or PJP AIS Institutions Other Than Banks, at PJP AIS Bank to the destination account at another PJP AIS Bank through the intermediary of Payment Infrastructure Provider (PIP) such as GPN or BI-FAST.

General Information

HTTP Method	POST
Path	`/interbank/snap/v2.0/transfer-interbank`
Tipe Format	JSON
Authentication	OAuth 2.0 with Access Token

Header Structure

Key	Value	Format	Mandatory	Length	Deskripsi
Authorization	Authorization	String	M		Bearer {Token}
X-TIMESTAMP	timestamp	Datetime	M		Format Timestamp ISO8601
X-SIGNATURE	signature	String	M		HMAC_SHA512
Content-type	application/json		M		application/json
X-PARTNER-ID		Alphanumeric	M	36
CHANNEL-ID		Alphanumeric	M	5
X-EXTERNAL-ID		Numeric	M	36

Request Structure

Field	Data Type	Format	Mandatory	Length	Description	Example
partnerReferenceNo	String	Alphanumeric	M	28 (serviceCode 80) 20 (serviceCode 18) Note : SNAP BI Length (64)	Identification of transactions on the service provider system	2020102900000000000001
amount	Object		M
>value	String (ISO4 217)	Decimal	M	15,2 Note : SNAP BI Length (16,2)	The net amount of the transaction, if in rupiah, then the value includes 2 decimal places. For example, 10,000 will be 10000.00	10000.00
>currency	String	Alphanumeric	M	3	Currency	IDR
beneficiaryAccountName	String	Alphanumeric	M	100	Recipient account name	John Doe
beneficiaryAccountNo	String	Numeric	M	16 Note : SNAP BI Length (34)	Recipient account	888801000157508 (real) @6285733347341 (proxy)
beneficiaryAddress	String	Alphanumeric	O	100	Recipient address	Manila
beneficiaryBankCode	String	Numeric	M	3 Note : SNAP BI Length (8)	Recipient Bank Code	CENAIDJA (BI-FAST) 014 (Interbank)
beneficiaryBankName	String	Alphanumeric	O	50	Recipient Bank Name	BRI
beneficiaryEmail	String	Alphanumeric	O	50	Recipient Email	john.doe@boz.com
customerReference	String	Alphanumeric	O	28 (serviceCode 80) 20 (serviceCode 18) Note : SNAP BI Length (30)	Reference Number / Referral No. / Transaction ID	10052022
sourceAccountNo	String	Numeric	M	15 Note : SNAP BI Length (19)	Source account number	888801000157520
transactionDate	String	Datetime	M	25	transaction date : ISO 8601	2021-11-25
additionalInfo	Object		O		Additional information
>deviceId	String	Alphanumeric	M			1234579237
>channel	String	Alphanumeric	M			mobilephone
>serviceCode	String	Numeric	M	2	Interbank = 18 BIFAST = 80
>referenceNo	String	Alphanumeric	C	35	Unique reference number obtained from the results of the BI-Fast Account Information Inquiry
>externalId	String	Alphanumeric	C	12	BRI external ID obtained from the results of the BI-Fast Account Information Inquiry
>senderIdentityNumber	String	Varchar	C	100	Transaction sender's ID card number
>paymentInfo	String		O	140	Transaction details
>senderType	String	Numeric	C	2	Transaction sender type, select one from the list below: 01=Individual 02=Corporate 99=Others 04=Remittance 03=Government
>senderResidentStatus	String	Numeric	C	2	Residential status of the transaction sender, select one from the list below: 01=Resident 02=NonResident
>senderTownName	String	Varchar	C	100	City of origin of the transaction sender
>isRdn	String	Boolean	O		Can be filled with true (for RDN accounts) or false (for non-RDN accounts) Note: Only for serviceCode 80	true
originatorInfos	Array of Objects		O		Customer Account Details of the Originator To be filled in if requested by the sender or if the sender's consent has been given.
>originatorCustomerNo	String		O	34	The Originator Customer Account Details. To be filled if there is a request from the sender or if the consent from sender has been granted. This is subject to Article 8 paragraph 5 of Law No. 3 of 2011 concerning Fund Transfers. Also check for other provisions, such as the PPATK regulation.	9990100000 3301
>originatorCustomerName	String		O	100	Originatorcustomer account name	Iin
>originatorBankCode	String		O	11	Originator Bank Code	002

Response Structure & Sample

Field	Data Type	Format	Mandatory	Length	Description	Example
responseCode	String	Numeric	M	7	Response code	2001800
responseMessage	String	Alphanumeric	M	150	Response description	Successful
referenceNo	String	Numeric	O Note : SNAP BI (C)	35 Note : SNAP BI Length (64)	Identify the transaction on the service provider system. Must be filled in after the transaction is successful	202112
partnerReferenceNo	String	Alphanumeric	O	28 (serviceCode 80) 20 (serviceCode 18)	Transaction identification on the customer service system	2020102900000000000001
amount	Object		O
>value	String (ISO4217)	Decimal	M	15,2 Note : SNAP BI Length (16,2)	The net amount of the transaction, if in rupiah, then the value includes 2 decimal places. For example, 10,000 will be 10000.00	10000.00
>currency	String	Alphanumeric	M	3	Currency	IDR
beneficiaryAccountNo	String	Numeric	M	34 Note : SNAP BI Length (19)	Recipient account number	888801000157508 (real) @6285733347341 (proxy)
beneficiaryBankCode	String	Numeric	O	8	Recipient bank code	CENAIDJA (BI-FAST) 014 (Interbank)
sourceAccountNo	String	Numeric	O	15 Note : SNAP BI Length (19)	Source account number	888801000157520
additionalInfo	Object		O		Additional information
>deviceId	String	Alphanumeric	O			12345679237
>channel	String	Alphanumeric	O			mobilephone
>originalReferenceNo	String		C	40	The unique original reference number of the transfer transaction made will appear in the TLBD2 remark on the bank statement.
>journalSequence	String		C	7	Journal sequence of transaction bookkeeping
>externalId	String		C	12	BRI external ID from the transfer transaction made
>customerReference	String		O	28	Unique transaction reference number from the institution
>isRdn	String	Boolean	O		Can be filled with true (for RDN accounts) or false (for non-RDN accounts) Note: Only for serviceCode 80	true
originatorInfos	Array Object		O		Customer Account Details of the Originator. Must be filled in if requested by the sender or if consent from the sender has been provided. This is subject to Article 8 paragraph 5 of Law No. 3 of 2011 concerning Fund Transfers. Also, check other provisions, such as regulations from the Indonesian Financial Transaction Reports and Analysis Center (PPATK).
>originatorCustomerNo	String		O		Originator customer account number
>originatorCustomerName	String				Originatorcustomer account name	Rid
>originatorBankCode	String		O		Originator Bank Code	003

Request & Response Payload Sample

Normal Request Interbank:

{
    "partnerReferenceNo": "20211130000000001",
    "amount": {
        "value": "10000.00",
        "currency": "IDR"
    },
    "beneficiaryAccountName": "Dummy",
    "beneficiaryAccountNo": "888801000187508",
    "beneficiaryAddress": "Palembang",
    "beneficiaryBankCode": "002",
    "beneficiaryBankName": "Bank BRI",
    "beneficiaryEmail": "dummy.email@domain.com",
    "customerReference": "10052023",
    "sourceAccountNo": "988901000187608",
    "transactionDate": "2022-11-07T15:19:24+07:00",
    "additionalInfo": {
        "deviceId": "12345679237",
        "channel": "mobilephone"
    },

    "originatorInfos" : [

       {
    "originatorCustomerNo": "99901000003302",
    "originatorCustomerName": "John Doe",
    "originatorBankCode": "003"
        }

   ]

}

Normal Request BIFAST:

{
    "partnerReferenceNo": "20211130000000001",
    "amount": {
        "value": "10000.00",
        "currency": "IDR"
    },
    "beneficiaryAccountName": "Dummy",
    "beneficiaryAccountNo": "888801000187508",
    "beneficiaryAddress": "Lorem City",
    "beneficiaryBankCode": "002",
    "beneficiaryBankName": "Bank BRI",
    "beneficiaryEmail": "dummy.email@domain.com",
    "customerReference": "10052023",
    "sourceAccountNo": "988901000187608",
    "transactionDate": "2022-11-07T15:19:24+07:00",
    "additionalInfo": {
        "deviceId": "12345679237",
        "channel": "mobilephone",
        "serviceCode": "80",
        "referenceNo": "20220128BRINIDJA51050000065",
        "externalId": "53394951711",
        "senderIdentityNumber": "3515085211930002",
        "paymentInfo": "testing bifast",
        "senderType": "01",
        "senderResidentStatus": "01",
        "senderTownName": "0300",
        "isRdn":"true"
    }
}

Normal Response Interbank:

{
    "responseCode": "2001800",
    "responseMessage": "Successful",
    "referenceNo": "202401250000000003",
    "partnerReferenceNo": "20211130000000001",
    "amount": {
        "currency": "IDR",
        "value": "10000.00"
    },
    "beneficiaryAccountNo": "888801000187508",
    "beneficiaryBankCode": "002",
    "sourceAccountNo": "988901000187608",
    "additionalInfo": {
        "channel": "mobilephone",
        "deviceId": "12345679237"
    }

   "originatorInfos" : [

       {
   "originatorCustomerNo": "99901000003302",
   "originatorCustomerName": "Rid",
   "originatorBankCode": "003"
        }

   ]


}

Normal Response BIFAST:

{
    "responseCode": "2008000",
    "responseMessage": "Successful",
    "referenceNo": "202401250000000003",
    "partnerReferenceNo": "20211130000000001",
    "amount": {
        "currency": "IDR",
        "value": "10000.00"
    },
    "beneficiaryAccountNo": "888801000187508",
    "beneficiaryBankCode": "002",
    "sourceAccountNo": "988901000187608",
    "additionalInfo": {
        "channel": "mobilephone",
        "deviceId": "12345679237",
        "originalReferenceNo": "20220128BRINIDJA010O9900025482",
        "journalSequence": "8809100",
        "externalId": "93394989193",
        "customerReference": "2022012800012",
        "isRdn":"true"
    }
}

Error Response :

	{
		"responseCode": "4001801",
		"responseMessage": "Invalid Field Format transaction date"
	}

List of Error/Response Code

HTTP Status	Service Code	Code	Status	ResponseDescription
200	18	00	Success	Successful
202	18	00	In Progress	Request In Progress
400	18	01	Gagal	Invalid Field Format {fieldName}
400	18	02	Gagal	Invalid Mandatory Field {fieldName}
401	18	00	Gagal	Unauthorized. Client
403	18	02	Gagal	Exceeds Transaction Amount Limit
403	18	14	Gagal	Insufficient Funds
403	18	15	Gagal	Transaction Not Permitted. [reason]
403	18	16	Pending	Suspend Transaction
403	18	18	Gagal	Inactive Card/Account/Customer
404	18	11	Gagal	Invalid Card/Account/Customer[info]/Virtual Account
404	18	13	Gagal	Invalid Amount
409	18	00	Gagal	Conflict
500	18	00	Pending	General Error
504	18	00	Pending	Timeout

Any error response not listed in the BRIAPI response list is considered pending and requires further investigation.

Interbank Transfer

Simplify Your Business with BRIAPI

API Information

Version Control

Product Description

Product Overview

Endpoint

A. Eksternal Account Inquiry

General Information

Header Structure

Response Structure & Sample

Request & Response Payload Sample

List of Error/Response Code

B. Transfer Interbank

General Information

Header Structure

Request Structure

Response Structure & Sample

Request & Response Payload Sample

List of Error/Response Code

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