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

Doc Version	API Version	Date	Document Link	Description
v1.0	v1.0	7 December	This Pages	Baseline version
v2.0	v1.0	12 April 2022	This Pages	Update Field Format
v2.1	v1.0	16 September 2022	This Pages	Update response code

Product Description

Product Overview

This feature is used for overbooking of funds sourced from PJP PIAS account via credit transfer service on PJP AIS Bank using API interbank transfer

Endpoint

A. Eksternal Account Inquiry

This endpoint is used to validate the number and name of destination account before making a interbank transfer, RTGS, or SKNBI.

General Information

HTTP Method	POST
Path	`/interbank/snap/v1.0/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	Example
beneficiaryBankCode	String	Numeric	M	3 Note : SNAP BI length (8)	BeneficiaryBankCode	002
beneficiaryAccountNo	String	Numeric	M	34	BeneficiaryAccountNumber	88880 100015 7508
additionalInfo	Object		O
>deviceId	String	Alphanumeric	O
>channel	String	Alphanumeric	O

Response Structure & Sample

Field	Data Type	Format	Mandatory	Length	Description	Example
responseCode	String	Numeric	M	7	Response code	2000000
responseMessage	String	Alphanumeric	M	150	response Message	Successful
referenceNo	String	Numeric	O Note : SNAP BI (C)	20 Note: SNAP BI length (64)	Transaction identifier on service provider system. Must be filled after the transaction is successfull	202112
beneficiaryAccountName	String	Alphanumeric	M	100	Beneficiary Account Name	Yories Yolanda
beneficiaryAccountNo	String	Numeric	M	34	BeneficiaryAccountNumber	88880 100015 7508
beneficiaryBankCode	String	Numeric	O	3 Note: SNAP BI length (8)	BeneficiaryBankCode	002
currency	String	Alphanumeric	O	3	Currency	IDR
additionalInfo	Object		O			mobilephone
>deviceId	String	Alphanumeric	O			12345 679237
>channel	String	Alphanumeric	O			mobilephone

Request & Response Payload Sample

Request :

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

Normal Response :

{
    “responseCode”: “2001600”,
    “responseMessage”: “Successful”,
    “referenceNo”: “2020102977770000000009”,
    “beneficiaryAccountName”: “Yories Yolanda”,
    “beneficiaryAccountNo”: “888801000157508”,
    “beneficiaryBankCode”: “002”,
    “currency”: “IDR”,
    “additionalInfo”: {
        “channel”: “mobilephone”,
        “deviceId”: “12345679237”
    }
}

Error Response :

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

List of Error/Response Code

HTTP Status	Service Code	Code	Status	ResponseDescription
200	16	00	Success	Successful
400	16	01	Failed	Invalid Field Format {fieldName}
400	16	02	Failed	Invalid Mandatory Field {fieldName}
401	16	00	Failed	Unauthorized. Client
403	16	15	Failed	Transaction Not Permitted. [reason]
403	16	16	Pending	Suspend Transaction
403	16	18	Failed	Inactive Card/Account/Customer
404	16	11	Failed	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 fund from one account of Non-PJP Service users, PJP PIAS, or PJP AIS Institutions other than Banks, at PJP AIS Banks to the destination account at PJP AIS other banks through the intermediary of payment infrastructure provides (PIP) such as GPN or BI - FAST