GoPay Linking / Tokenization

GoPay Tokenization is a feature that allows customers to make seamless transaction by linking their account to the merchant's implementation of Snap. Instead of scanning QR or opening deeplink, it will enable users to pay transactions only by inputting their PIN for the already linked account within Snap checkout page without switching app.

Linking Flow

1. Create SNAP_TOKEN with gopay.tokenization set to true and user_id filled with respective identifier. Merchant can also set gopay.phone_number and gopay.country_code to lock the linking with specific phone number.

• user_id is a unique identifier owned by merchant that represents a customer. Merchant can use any value in string format with a maximum length of 255. Avoid using values that could be easily linked to a customer like email, ID of records in database etc. Instead, use something like sha512(email/record.id + salt). Don't expose the user_id to frontends like browser or mobile. To ensure that each user_id can only be used by the rightful customer (i.e. to prevent abuse), please make sure that there are proper measures to ensure that user_id is non-tamperable from the customer’s frontend, e.g. by validating through merchant’s backend.

2. Link your GoPay account option will be shown in the payment list.

3. User can then input their phone number (if phone number is not sent) or see their phone number (non modifiable) if merchant sent phone_number and country_code in create token request under gopay JSON object.

4. User will need to input OTP sent by Gojek and GoPay's PIN in order to finish linking.

5. Customer will then be redirected to the pay screen. After inputting PIN, transaction will be completed.

Sample JSON Request Body

At the bare minimum, set tokenization as true and pass user_id to Midtrans to enable GoPay Tokenization. See sample below.

{
  "transaction_details": {
    "order_id": "ORDER-101",
    "gross_amount": 10000
  },
  "item_details": [{
    "id": "ITEM1",
    "price": 10000,
    "quantity": 1,
    "name": "Midtrans Bear",
    "brand": "Midtrans",
    "category": "Toys",
    "merchant_name": "Midtrans"
  }],
  "customer_details": {
    "first_name": "TEST",
    "last_name": "MIDTRANSER",
    "email": "[email protected]",
    "phone": "+628123456"
  },
  "enabled_payments": ["gopay"],
  "gopay": {
    "tokenization": true,
    "phone_number": "8123456789",
    "country_code": "62"
  },
  "user_id": "testuser01"
}

Linking and Payment Process Flowchart

Refer to the following chart as a reference for GoPay Tokenization linking and payment flow.

Unlink Account

Merchant can provide the capability for users to unlink the account outside of Snap by sending DELETE request for a specific user_id.

curl --request DELETE \
  --url http://app.midtrans.com/snap/v3/users/{user_id}/gopay \
  --header 'Authorization: {merchant_server_key}' \
  --header 'Content-Type: application/json' \
  --header 'Accept: application/json'

Alternatively, customer can also perform unlinking from Gojek app by tapping Explore at home page > Settings > Apps linked to GoPay.

Get Account Info

Use this API to retrieve and show user's account information.

Sample Request

curl --request GET \
  --url http://app.midtrans.com/snap/v3/users/{user_id}/gopay \
  --header 'Authorization: Basic {merchant_server_key -> in base64}' \
  --header 'Content-Type: application/json' \
  --header 'Accept: application/json'

Sample Response

{
	"user_id": "testww1",
	"account_status": "ENABLED",
	"balance": "8000000.00",
	"phone_number": "****1283",
	"account_id": "bb2fb8cc-d754-4390-b62f-01fb3fc1517c"
}

{
    "error_messages": [
        "account not found"
    ],
    "locale": "en"
}

{
    "error_messages": [
        "account not found"
    ],
    "locale": "en"
}

Supporting Recurring

📘

Activating Recurring Feature

Recurring needs to be configured on your account first before usage. Contact Midtrans Support team or your Sales PIC to request for activation.

Snap also supports recurring payments via GoPay Tokenization. To support it, your account will need to be configured first by Midtrans team to support both Recurring and No Pin flow.

The flow will be as follows :

1. Perform the first charge as usual, following the linking flow above. Customer will then have to link their GoPay account to Snap first.
2. Merchant will then need to capture customer's GoPay account_id post first successful payment charge via HTTP notifications.
3. Using said account_id, fetch the account token using Get Pay Account API.
4. Use our Subscription API to create a subscription and define the subsequent charge schedule. You will need to pass the account_id and token fetched from the previous steps when creating a subscription.
5. Finally, utilize the Subscription API to update, delete, or modify ongoing subscriptions as needed.

Sample HTTP Notification with account_id

This info will be passed via HTTP notification after the first successful transaction charge using GoPay Linking. Once merchant has received this information, call Subscription API to convert it into recurring payments.

{
      "transaction_time": "2023-09-04 14:10:30",
      "transaction_status": "settlement",
      "transaction_id": "57fxxxxxx-5f96-xxx0-xxxx-xxxxxx",
      "status_message": "midtrans payment notification",
      "status_code": "200",
      "signature_key": "f5xxxxxxxxxx",
      "settlement_time": "2023-09-04 14:10:30",
      "payment_type": "gopay",
      "order_id": "testrecurring",
      "metadata": {
        "extra_info": {
          "user_id": "aaaa-aaaa-aaaa-aaaa-aaaaaaaaaa",
          "account_id": "aaaa-aaaa-4e4f-aaaa-e81fc4f640a5"
        }
      },
      "merchant_id": "G01xxxxxxxx",
      "gross_amount": "100000.00",
      "fraud_status": "accept",
      "expiry_time": "2023-09-04 14:25:30",
      "currency": "IDR"
}