API Transfer Antar Bank | Raya Developer Portal

Informasi API

Title	API Transfer External Bank RAYA
Version	SNAP v1
URL Sandbox	https://api.sandbox.bankraya.co.id/interbank/snap/v1.0/
URL Production

Endpoint Transfer Antar Bank Inquiry

Penjelasan Endpoint

Layanan ini digunakan untuk inquiry informasi rekening Debit dan Kredit yang akan digunakan untuk melaksanakan instruksi Transfer.

Informasi Umum

HTTP Method	POST
Path	/interbank/snap/v1.0/account-inquiry-external
Tipe Format	JSON
Authentication	Token & Signature

Header Structure

Key	Mandatory	Type	Description
X-SIGNATURE	M	String	HMAC_SHA512
X-TIMESTAMP	M	Datetime	Format Timestamp ISO8601
X-PARTNER-ID	M	Alphanumeric	Partner ID for integration. Using the same value as the client_id parameter used in Token endpoint
X-EXTERNAL-ID	M	Numeric	Unique numeric for API request
CHANNEL-ID	M	Alphanumeric	Channel used by Partner, Value provided by Bank Raya
Authorization	M	String	Bearer {Token}

Request Structure

Field	Mandatory	Type	Description	Example
beneficiaryBankCode	M	Numeric	Beneficiary Bank Code	002
beneficiaryAccountNo	M	String(15, 15)	Account Number Destination of the customer	001001000060300
additionalInfo	O	Object
>deviceId	O	Alphanumeric	To identify valid devices of customer or IMEI	001001000059309
>channel	M	Alphanumeric	Channel filled by Partner	MobileApp

Request & Response Payload Sample

Request:

{"beneficiaryBankCode":"002","beneficiaryAccountNo":"065101014305500","additionalInfo":{"deviceId":"","channel":""}}

Normal Response:

{
    "responseCode": "2001600",
    "responseMessage": "Successful",
    "referenceNo": "202212293170",
    "beneficiaryAccountName": "RUBY IHSAN",
    "beneficiaryAccountNo": "065101014305500",
    "beneficiaryBankCode": "002",
    "beneficiaryBankName": "Bank BRI",
    "currency": "IDR",
    "additionalInfo": {
        "deviceId": "",
        "channel": ""
    }
}

Error Response:

{
    "responseCode": "4011600",
    "responseMessage": "Unauthorized Signature"
}

{
    "responseCode": "4001601",
    "responseMessage": "Invalid Format Field X-EXTERNAL-ID"
}

{
    "responseCode": "4011700",
    "responseMessage": "Unauthorized Client"
}

{
    "responseCode": "4091600",
    "responseMessage": "Conflict"
}

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

{
    "responseCode": "4001602",
    "responseMessage": "Invalid Mandatory Filed beneficiaryBankCode"
}

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

{
    "responseCode": "4001602",
    "responseMessage": "Invalid Mandatory Field beneficiaryAccountNo"
}

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


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

{
    "responseCode": "5001601",
    "responseMessage": "Internal Server Error"
}

Endpoint Transfer Antar Bank Payment

Penjelasan Endpoint

Endpoint ini digunakan untuk meminta transfer dana ke bank lain. Terdapat limit total transaksi dan limit transaksi harian yang telah ditetapkan Bank Raya.

Informasi Umum

HTTP Method	POST
Path	/interbank/snap/v1.0/transfer-interbank
Tipe Format	JSON
Authentication	Token & Signature

Header Structure

Key	Mandatory	Type	Description
X-SIGNATURE	M	String	HMAC_SHA512
X-TIMESTAMP	M	Datetime	Format Timestamp ISO8601
X-PARTNER-ID	M	Alphanumeric	Partner ID for integration. Using the same value as the client_id parameter used in Token endpoint
X-EXTERNAL-ID	M	Numeric	Unique numeric for API request
CHANNEL-ID	M	Alphanumeric	Channel used by Partner, Value provided by Bank Raya
Authorization	M	String	Bearer {Token}

Request Structure

Field	Mandatory	Type	Description	Example
partnerReferenceNo	M	Alphanumeric	Identification of transactions in the customer service system	202301250001
amount	M	Object
>value	M	Decimal	Net amount of the transaction.	10000,00
>currency	M	Alphanumeric	Currency	IDR
beneficiaryAccountName	M	Alphanumeric	Beneficiary Account Name	RUBY IHSAN
beneficiaryAccountNo	M	String(15, 15)	Account Number Destination of the customer	001001000060300
beneficiaryBankCode	M	Numeric	Beneficiary Bank Code	002
beneficiaryBankName	M	Alphanumeric	Beneficiary Bank Name	BRI
customerReference	M	Numeric	From Inquiry response. Customer Reference Number.	20230125938
feeType	M	Alphanumeric	Fee type of the transaction	OUR
sourceAccountNo	M	Numeric	Source Account Number	001001000142306
transactionDate	M	Datetime	Format Timestamp ISO8601	2022-12-29T09:22:00-07:00
additionalInfo	O	Object
>deviceId	O	Alphanumeric	To identify valid devices of customer or IMEI	001001000059309
>channel	M	Alphanumeric	Channel filled by Partner	MobileApp

Request & Response Payload Sample

Request:

{"partnerReferenceNo":"2022111800155","amount":{"value":"10000.00","currency":"IDR"},"beneficiaryAccountName":"RUBY IHSAN","beneficiaryAccountNo":"065101014305500","beneficiaryBankCode":"002","beneficiaryBankName":"BRI","customerReference":"202212293173","feeType":"OUR","sourceAccountNo":"001001000142306","transactionDate":"2022-12-29T09:22:00-07:00","additionalInfo":{"deviceId":"","channel":""}}

Normal Response:

{
    "responseCode": "2001800",
    "responseMessage": "Successful",
    "referenceNo": "001089112092090092750",
    "partnerReferenceNo": "2022111800155",
    "amount": {
        "currency": "IDR",
        "value": "10000.00"
    },
    "beneficiaryAccountNo": "065101014305500",
    "beneficiaryBankCode": "002",
    "sourceAccountNo": "001001000142306",
    "additionalInfo": {
        "deviceId": "",
        "channel": ""
    }
}

Error Response:

{
    "responseCode": "4011800",
    "responseMessage": "Unauthorized Signature"
}

{
    "responseCode": "4001801",
    "responseMessage": "Invalid Field Format X-EXTERNAL-ID"
}

{
    "responseCode": "4011800",
    "responseMessage": "Unauthorized Client"
}
{
    "responseCode": "4091800",
    "responseMessage": "Conflict"
}

{
    "responseCode": "4001801",
    "responseMessage": "Invalid Field Format partnerReferenceNo"
}

{
    "responseCode": "4001802",
    "responseMessage": "Invalid Mandatory Field partnerReferenceNo"
}

{
    "responseCode": "4031815",
    "responseMessage": "Transaction Not Permitted. Minimum Amount Is 10000"
}

{
    "responseCode": "4031802",
    "responseMessage": "Exceeds Transaction Amount Limit"
}

{
    "responseCode": "4001801",
    "responseMessage": "Invalid Field Format amount"
}

{
    "responseCode": "4001802",
    "responseMessage": "Invalid Mandatory Field amount"
}

{
    "responseCode": "4001801",
    "responseMessage": "Invalid Field Format currency"
}

{
    "responseCode": "4001802",
    "responseMessage": "Invalid Mandatory Field amount currency"
}

{
    "responseCode": "4031815",
    "responseMessage": "Transaction Not Permitted. Invalid Request"
}

{
    "responseCode": "4001801",
    "responseMessage": "Invalid Field Format beneficiaryAccountName"
}

{
    "responseCode": "4001802",
    "responseMessage": "Invalid Mandatory Field beneficiaryAccountName"
}

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

{
    "responseCode": "4001802",
    "responseMessage": "Invalid Mandatory Field beneficiaryAccountNo"
}

{
    "responseCode": "4001802",
    "responseMessage": "Invalid Mandatory Field beneficiaryBankCode"
}

{
    "responseCode": "4001801",
    "responseMessage": "Invalid Field Format beneficiaryBankCode"
}

{
    "responseCode": "4001802",
    "responseMessage": "Invalid Mandatory Field beneficiaryBankCode"
}

{
    "responseCode": "4001802",
    "responseMessage": "Invalid Mandatory Field beneficiaryBankName"
}

{
    "responseCode": "4001801",
    "responseMessage": "Invalid Field Format beneficiaryBankName"
}

{
    "responseCode": "4001801",
    "responseMessage": "Invalid Field Format customerReference"
}

{
    "responseCode": "4001802",
    "responseMessage": "Invalid Mandatory Field customerReference"
}

{
    "responseCode": "4001802",
    "responseMessage": "Invalid Mandatory Field feeType"
}

{
    "responseCode": "4001801",
    "responseMessage": "Invalid Field Format feeType"
}

{
    "responseCode": "4031815",
    "responseMessage": "Transaction Not Permitted. Don`t Have Access At This Account"
}

{
    "responseCode": "4031814",
    "responseMessage": "Insufficient Funds"
}

{
    "responseCode": "4001801",
    "responseMessage": "Invalid Field Format sourceAccountNo"
}

{
    "responseCode": "4001802",
    "responseMessage": "Invalid Mandatory Field sourceAccountNo"
}

{
    "responseCode": "4001801",
    "responseMessage": "Invalid Field Format transactionDate"
}

{
    "responseCode": "4001802",
    "responseMessage": "Invalid Mandatory Field transactionDate"
}

{
    "responseCode": "4001801",
    "responseMessage": "Invalid Field Format deviceId"
}

{
    "responseCode": "4001801",
    "responseMessage": "Invalid Field Format channel"
}

{
    "responseCode": "5001801",
    "responseMessage": "Internal Server Error"
}