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Pay API v1.2.0

Bank transfer is still the main mode of payment in Southeast Asia. In fact, 94% of online merchants in Indonesia alone offer it as a payment option with Vietnam and Philippines at 80% and Thailand at 79%.

Brankas Pay provides SMEs with an API-driven payment solution that allows them to have one-click payable invoices. By leveraging Brankas Pay, SMEs are able to execute fund transfer based transactions over a growing basket of banks via a single set of APIs.

Home businesses are now common. Covid-19 has moved brick and mortar stores online and at home. Payments are manually made via bank transfers where merchants share their bank account details (may contain more than 10 numbers). Customers who do not use online or mobile banking need to go to a bank or ATM and manually transfer funds to the merchant’s account. Merchants also require a proof of payment (photos of deposit slip or pictures of online fund transfers) which they verify by logging into their bank portals.

The process is tedious, and as with any manual task, is prone to human error. Pay allows merchants to generate a unique URL that allows end-users to make payments via the Brankas Direct IdP flow. Micro and small businesses can conveniently take payments via bank transfers.

Another key feature is a Transaction List page that gives merchants the visibility on all of the Pay invoice status and transactions that went through via the unique Direct IdP URL enabling merchants to reconcile payments.

Host https://api.pay.bnk.to
Base Path v1

Retrieve Merchant

Retrieve Merchant returns business info and the set of destination accounts. An HTTP request is considered a success if its status code is not 4xx or 5xx.

HTTP Request

GET https://api.pay.bnk.to/v1/merchant

Headers
Content-Type: application/json

Query Parameters

Name	Type	Description
merchant_id	string	A unique merchant account ID, profile ID or the bank account number depending on the type.

Responses

Response body

Name	Type	Description
business_name	string	The business name of the account.
active_url_count	integer	Currently unused
accounts	[]PayAccount	Array of destination accounts. Deprecated
summary	PayValueSummary	Amount values earned on the account
merchant_id	string	A unique merchant account Id.
default_account_id	string	The default destination account Id which will be used for fund transfers unless overridden.
destination_accounts	PayAccount	The destination account object.
country	string	The country of merchant.
business_email	string	The business email of merchant, this can be different from the user registration email.
mobile_country_code	string	Mobile country code of merchant.
mobile_number	string	Mobile number of merchant.
url_expiry	string	The default expiry time of invoice in hours.

Objects

PayAccount

Name	Type	Description
id	string	A unique account Id, profile Id or the bank account number depending on the type.
bank	string	Bank type.
account_number	string	The account number of the bank account
biller_id	string	The biller id of the merchant (only for Thailand).
first_name	string	The First Name of the bank account.
last_name	string	The Last Name of the bank account.

PayValueSummary

Name	Type	Description
year	PayAmount	Amount generated for the current year to date
prev_year	PayAmount	Amount generated for the previous year
month	PayAmount	Amount generated for the current month to date

PayAmount

Name	Type	Description
cur	string	The currency value.
amt	string	The amount value.

Example:

{
  "business_name": "string",
  "active_url_count": 0,

  "summary": {
    "year": [
      {
        "cur": "string",
        "amt": "string"
      }
    ],
    "prev_year": [
      {
        "cur": "string",
        "amt": "string"
      }
    ],
    "month": [
      {
        "cur": "string",
        "amt": "string"
      }
    ]
  },
  "merchant_id": "string",
  "default_account_id": "string",
  "destination_accounts": {
    "additionalProp1": {
      "id": "string",
      "bank": "string",
      "account_number": "string",
      "biller_id": "string", //optional
      "first_name": "string",
      "last_name": "string"
    },
    "additionalProp2": {
      "id": "string",
      "bank": "string",
      "account_number": "string",
      "biller_id": "string", //optional
      "first_name": "string",
      "last_name": "string"
    },
    "additionalProp3": {
      "id": "string",
      "bank": "string",
      "account_number": "string",
      "biller_id": "string", //optional
      "first_name": "string",
      "last_name": "string"
    }
  },
  "country": "string",
  "business_email":"string",
  "mobile_country_code":"string",
  "mobile_number": "string",
  "url_expiry": 0
}

Response codes

Status	Description
200	Request executed successfully.

Create Merchant

Create Merchant will store business info related to a merchant. A HTTP request is considered a success if its status code is not 4xx or 5xx.

curl -X POST \
	https://api.pay.bnk.to/v1/merchant \
	-H 'Authorization: Bearer USE_YOUR_TOKEN' \
	-H 'Content-Type: application/json' \
	-d '{
		"name": "string",
		"address_line1": "string",
		"address_line2": "string",
		"city": "string",
		"state_province": "string",
		"country": "string",
		"email_address": "string",
		"mobile_country_code": "string",
		"mobile_number": "string",
		"url_expiry": 0
		}'

HTTP Request

POST https://api.pay.bnk.to/v1/merchant

Headers
Content-Type: application/json

Body Parameters

Name	Type	Description
name	string	The name of the merchant account holder.
address_line1	string	The address of the merchant line 1.
address_line2	string	The address of the merchant line 2.
city	string	The city of the merchant location.
state_province	string	The state of the merchant location.
country	string	The country of the merchant location.
email_address	string	The email address of the merchant.
mobile_country_code	string	The mobile country code of the merchant.
mobile_number	string	The mobile number of the merchant.
url_expiry	integer	Number of expiry hours for the requested url.

Responses

Example:

{}

Response codes

Status	Description
200	Request executed successfully.

Update Merchant

Update Merchant update its business information. An HTTP request is considered a success if its status code is not 4xx or 5xx.

curl -X PUT \
	https://api.pay.bnk.to/v1/merchant/{merchant_id} \
	-H 'Authorization: Bearer USE_YOUR_TOKEN' \
	-H 'Content-Type: application/json' \
	-d '{
		"url_expiry": 0,
		"merchant_id": "string",
		"name": "string",
		"email": "string",
		"mobile_country_code": "string",
		"mobile_number": "string"
		}'

HTTP Request

PUT https://api.pay.bnk.to/v1/merchant/{merchant_id}

Headers
Content-Type: application/json

Query Parameters

Name	Type	Description
merchant_id	string	A unique merchant account ID, profile ID or the bank account number depending on the type.

Body Parameters

Name	Type	Description
url_expiry	integer	Number of expiry hours for the requested url
merchant_id	string	A unique merchant Id.
name	string	The business name of the merchant.
email	string	The business email of the merchant.
mobile_country_code	string	The mobile country code of the merchant.

Responses

Example:

{}

Response codes

Status	Description
200	Request executed successfully.

Create Invoice

Create Invoice initializes a single-use URL for a payment. A HTTP request is considered a success if its status code is not 4xx or 5xx.

curl -X PUT \
	https://api.pay.bnk.to/v1/invoice \
	-H 'Authorization: Bearer USE_YOUR_TOKEN' \
	-H 'Content-Type: application/json' \
	-d '{
		"merchant_id": "string",
		"account_id": "string",
		"amount": {
			"cur": "string",
			"amt": "string"
		},
		"item_id": "string",
		"description": "string",
		"remarks": "string",
		"customer_name": "string",
		"expiry": 0
		}'

HTTP Request

POST https://api.pay.bnk.to/v1/invoice

Headers
Content-Type: application/json

Body Parameters

Name	Type	Description
merchant_id	string	A unique merchant account ID, profile ID or the bank account number depending on the type.
account_id	string	The destination account ID to use in the fund transfer.
amount	PayAmount	The amount of the fund transfer.
item_id	string	The name of the ordered item.
description	string	The description of the ordered item.
remarks	string	Additional remarks of the invoice.
customer_name	string	The customer name.
expiry	integer	Number of expiry hours for the requested url.

Objects

PayAmount

Name	Type	Description
cur	string	The currency value.
amt	string	The amount value.

Responses

Example:

{
  "url": "string",
  "expiry": "2020-10-27T03:40:19.749Z",
  "message": "string",
  "invoice_id": "string"
}

Response codes

Status	Description
200	Request executed successfully.

Retrieve Invoice

Retrieve Invoice returns a set of objects containing invoice details and the current payment status. A HTTP request is considered a success if its status code is not 4xx or 5xx.

HTTP Request

GET https://api.pay.bnk.to/v1/invoice

Headers
Content-Type: application/json

Query Parameters

Name	Type	Description
merchant_id	string	A unique merchant account ID, profile ID or the bank account number depending on the type.
start	string	Timestamp to start pulling invoice details from
end	string	Timestamp to stop pulling invoice details from
limit	integer	Limit the number of invoice details returned

Responses

Response body

Name	Type	Description
start	string	Timestamp to start pulling invoice details from
end	string	Timestamp to stop pulling invoice details from
next	string	The invoice id of the next batch of invoice details, if a limit was reached
urls	[]PayURLStatus	An array of Invoice details

Objects

PayURLStatus

Name	Type	Description
invoice_id	string	The invoice unique ID.
url	string	The url created for the payment.
status	PayPaymentStatus	The status object of the payment.
amount	string	The amount of the fund transfer.
item_id	string	The name of the ordered item.
description	string	The description of the ordered item.
remarks	string	Additional remarks of the invoice.
created	string	Timestamp of when the invoice entry was created.
paid_date	string	The date time of when the payment is completed.
customer_name	string	The customer name.

Enums

PayPaymentStatus

Value	Description
CREATED	The payment url is created
FAILED	The payment url has been accessed by the customer and failed to complete the payment.
SUCCESS	The payment url has been accessed by the customer and successfully completed the payment.
EXPIRED	The payment url is expired and the payment has not been completed.

Example:

{
  "start": "2020-10-27T03:45:35.055Z",
  "end": "2020-10-27T03:45:35.055Z",
  "next": "string",
  "urls": [
    {
      "invoice_id": "string",
      "url": "string",
      "status": "Created",
      "amount": {
        "cur": "string",
        "amt": "string"
      },
      "item_id": "string",
      "description": "string",
      "remarks": "string",
      "created": "2020-10-27T03:45:35.055Z",
      "paid_date": "2020-10-27T03:45:35.055Z",
      "customer_name": "string"
    }
  ]
}

Response codes

Status	Description
200	Request executed successfully.

Create Deposit Account

Create Deposit Account will store merchant destination account info, returning our internal account id. A HTTP request is considered a success if its status code is not 4xx or 5xx.

curl -X POST \
	https://api.pay.bnk.to/v1/deposit-account \
	-H 'Authorization: Bearer USE_YOUR_TOKEN' \
	-H 'Content-Type: application/json' \
	-d '{
		"bank_code": 0,
		"account_number": "string",
		"account_first_name": "string",
		"account_middle_name": "string",
		"account_last_name": "string",
		"set_default": true,
		"biller_id" : "string" //optional
		}'

HTTP Request

POST https://api.pay.bnk.to/v1/deposit-account

Headers
Content-Type: application/json

Body Parameters

Name	Type	Description
bank_code	integer	Brankas bank code.
account_number	string	The account number of the bank account.
account_number_first_name	string	The first name of the account holder name of the bank account.
account_number_middle_name	string	The middle name of the account holder name of the bank account.
account_last_name	string	The last name of the account holder name of the bank account.
set_default	boolean	`TRUE` for the bank account selected as default bank account. `FALSE` for other bank account options.
biller_id	string	The biller ID of the merchant that provided by the bank ( only for Thailand )

Responses

Response body

Name	Type	Description
account_id	string	A unique account ID, profile ID, or the bank account number depending on the type.

Example:

{
  "account_id": "string"
}

Response codes

Status	Description
200	Request executed successfully.

Update Deposit Account

Update Deposit Account will update a matching merchant destination account with new account info. A HTTP request is considered a success if its status code is not4xx or 5xx.

curl -X PUT \
	https://api.pay.bnk.to/v1/deposit-account/{account_id} \
	-H 'Authorization: Bearer USE_YOUR_TOKEN' \
	-H 'Content-Type: application/json' \
	-d '{
		"account_id": "string",
		"bank_code": 0,
		"account_number": "string",
		"account_first_name": "string",
		"account_middle_name": "string",
		"account_last_name": "string",
		"set_default": true,
		"biller_id" : "string" //optional
		}'

HTTP Request

PUT https://api.pay.bnk.to/v1/deposit-account/{account_id}

Headers
Content-Type: application/json

Query Parameters

Name	Type	Description
account_id	string	A unique account ID, profile ID, or the bank account number depending on the type.

Body Parameters

Name	Type	Description
account_id	string	A unique account ID, profile ID, or the bank account number depending on the type.
bank_code	integer	Brankas bank code.
account_number	string	The account number of the bank account.
account_first_name	string	The first name of the account holder name of the bank account.
account_middle_name	string	The middle name of the account holder name of the bank account.
account_last_name	string	The last name of the account holder name of the bank account.
set_default	boolean	`TRUE` for the bank account selected as default bank account. `FALSE` for other bank account options.
biller_id	string	The biller ID of merchant that provided by the bank ( only for Thailand )

Responses

Example:

{}

Response codes

Status	Description
200	Request executed successfully.

Retrieve Supported Banks

Retrieve Supported Banks will return a map of supported bank codes. A HTTP request is considered a success if its status code is not 4xx or 5xx.

HTTP Request

GET https://api.pay.bnk.to/v1/supported-banks

Headers
Content-Type: application/json

Responses

Example:

{
  "banks": {
    "additionalProp1": "string",
    "additionalProp2": "string",
    "additionalProp3": "string"
  }
}

Response codes

Status	Description
200	Request executed successfully.