ServiceCode	Method	URL	Description
18	POST	/{version}/transfer-interbank	API Trigger Interbank Transfer

Request

Header

The following table is a header of request parameter:

Field Name	Attrib.	Datatype	Description
Content-Type	M	String	Represent media type of request e.g “application/json”
Authorization	M		Bearer token obtained from Access Token API in the format Bearer `<AccessToken>`
X-TIMESTAMP	M	String(25)	Client's current local time in “yyyy-MM-ddTHH:mm:ssTZD” format
X-SIGNATURE	M		See General API Symmetric Signature
X-PARTNER-ID	M		See Credential Exchange
X-EXTERNAL-ID	M	String(max 36), Numeric	Unique request reference number from partner. Must be unique.
CHANNEL-ID	M		See Credential Exchange

Body

The following table is a body of request parameter:

Field Name	Attrib.	Datatype	Description
partnerReferenceNo	M	String(64)	Transaction identifier on service consumer system Uniqueness checking will be done within 2 (two) months only. If the same `partnerReferenceNo` reused after 2 months, we will treat it as new request.
amount.value	M	String(16,2)	Net amount of the transaction. If it’s IDR, then the value includes 2 decimal digits. e.g. IDR 10.000, will be placed with 10000.00
amount.currency	M	String(3)	Currency (should always be IDR)
beneficiaryAccountName	M	String(100)	Beneficiary account name
beneficiaryAccountNo	M	String(34)	Beneficiary account number
beneficiaryBankCode	M	String(8)	3 digit BI Bank Code + 4 digit BI Branch Code for the beneficiary bank
beneficiaryEmail	O	String(50)	Beneficiary email
sourceAccountNo	M	String(19)	For Facilitator: Bank account ID registered in Payouts for facilitator model, can be accessed in Midtrans Dashboard in Bank Accounts menu. For Aggregator**: `0000000000`
transactionDate	M	String(25)	Transaction date : ISO 8601 (without millis). e.g “yyyy-MM-ddTHH:mm:ssZ”
originatorInfos	M	Array of Objects	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.
originatorInfos[*].originatorCustomerNo	M	String(34)	Originator customer account number
originatorInfos[*].originatorCustomerName	M	String(100)	Originator customer account name
originatorInfos[*].originatorBankCode	M	String(11)	Originator bank code
additionalInfo.remark	M	String (50)	Add a note to the payout (unique is encouraged)

Response

Header

The following table is a header of response parameter:

Field Name	Attrib.	Datatype	Description
X-TIMESTAMP	M	String(25)	“yyyy-MM-ddTHH:mm:ssTZD” format

Body

The following table is a body of response parameter:

Field Name	Attrib.	Datatype	Description
responseCode	M	String(7)	Response code
responseMessage	M	String(150)	Response description
referenceNo	C	String(64)	Transaction identifier on service provider system. Must be filled upon successful transaction
partnerReferenceNo	M	String(64)	Transaction identifier on service consumer system
amount.value	O	String(16,2)	Net amount of the transaction. If it’s IDR then value includes 2 decimal digits. e.g. IDR 10.000, will be placed with 10000.00
amount.currency	O	String(3)	Currency (should always be IDR)
beneficiaryAccountNo	M	String(34)	Beneficiary account number
beneficiaryBankCode	O	String(8)	3 digit BI Bank Code + 4 digit BI Branch Code for the beneficiary bank
sourceAccountNo	O	String(19)	For Facilitator: Bank account ID registered in Payouts for facilitator model, can be accessed in Midtrans Dashboard in Bank Accounts menu. For Aggregator**: `0000000000`
additionalInfo.beneficiaryAccountName	M	String(100)	Name of the beneficiary
additionalInfo.beneficiaryEmail	M	String(50)	Beneficiary email
originatorInfos	M	Array of Objects	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.
originatorInfos[*].originatorCustomerNo	M	String(34)	Originator customer account number
originatorInfos[*].originatorCustomerName	M	String(100)	Originator customer account name
originatorInfos[*].originatorBankCode	M	String(11)	Originator bank code

Sample

Request

The following section is a sample of request parameter:

curl --location --request POST 'https://merchants.midtrans.com/v1.0/transfer-interbank \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJqdGkiOiIxMmUzODE4Mi00YjIxLTQ0YWMtOTVkNi1mMjFhMjEwZmIxZTAiLCJjbGllbnRJZCI6IjY2ODA1MmUzNGYxOTRhYThiZTc5ZTE1YTIxZTRmYzJmIiwibmJmIjoxNjYzODQwNTU5LCJleHAiOjE2NjM4NDE0NTksImlhdCI6MTY2Mzg0MDU1OX0.fEr0vIbB2kY8alZ-SROl3ftAFbfRd0uU-lGq9XuFi8M' \
--header 'X-TIMESTAMP: 2022-03-04T08:02:09+07:00' \
--header 'X-SIGNATURE: yqmBXZ3yV6NPG1LtwXMm3quXzJMRX5Ms+r9ebc5xWIZGSKbZL3Oy871GHb7WQUucLa5nxN/HcnZYoNHc+KkWTQ==' \
--header 'X-PARTNER-ID: 668052e34f194aa8be79e15a21e4fc2f' \
--header 'X-EXTERNAL-ID: 91919644194391346361915387229113' \
--header 'CHANNEL-ID: 95221' \
--data-raw '{
   "partnerReferenceNo": "61945219227478976148442931867349",
   "amount": { "value": "100000.00", "currency": "IDR” },
   "beneficiaryBankCode": "0020307",
   "beneficiaryAccountNo": "1172993826",
   "beneficiaryAccountName": "Jon Snow",
   "beneficiaryEmail": "beneficiary@example.com",
   "sourceAccountNo": "bnia750516c",
   "transactionDate": "2021-12-07T23:02:03+07:00",
   "originatorInfos": [
        {
            "originatorCustomerNo": "0192873719",
            "originatorCustomerName": "James",
            "originatorBankCode": "014",
        },
        {
            "originatorCustomerNo": "8739182635",
            "originatorCustomerName": "Richard",
            "originatorBankCode": "014",
        }
   ],
   "additionalInfo": {
       "remark": "Payout Sep 22",
   }
}

Response

The following section is a sample of response parameter:

Content-Type : application/json
x-timestamp  : 2022-03-04T08:02:09+07:00
-------------------------------------------------------------------------------
{
   "responseCode": "2021800",
   "responseMessage": "Request In Progress",
   "referenceNo": "558rFI9lxMdQlOkm65",
   "partnerReferenceNo": "61945219227478976148442931867349",
   "amount": { "value": "100000.00", "currency": "IDR" },
   "beneficiaryBankCode": "0020307",
   "beneficiaryAccountNo": "1172993826",
   "sourceAccount": "bnia750516c",
   "transactionDate": "2021-12-07T23:02:03+07:00",
   "originatorInfos": [
        {
            "originatorCustomerNo": "0192873719",
            "originatorCustomerName": "James",
            "originatorBankCode": "014",
        },
        {
            "originatorCustomerNo": "8739182635",
            "originatorCustomerName": "Richard",
            "originatorBankCode": "014",
        }
   ],
   "additionalInfo": {
       "beneficiaryAccountName": "Jon Snow",
       "beneficiaryEmail": "beneficiary@example.com"
   }
}

Content-Type : application/json
x-timestamp  : 2022-03-04T08:02:09+07:00
-------------------------------------------------------------------------------
{"responseCode": "4001800", "responseMessage": "Bad Request. Beneficiary Account not found"}

Migration

Request

The following table is a comparison of request parameter:

Payouts non-SNAP-based (current)	Payouts SNAP-based	Description
	partnerReferenceNo	Transaction identifier on service consumer system
amount	amount.value	Net amount of the transaction. If it’s IDR then value includes 2 decimal digits. e.g. IDR 10.000, will be placed with 10000.00
	amount.currency	Currency (should always be IDR)
	beneficiaryBankCode	3 digit BI Bank Code + 4 digit BI Branch Code for the beneficiary bank
beneficiary_account	beneficiaryAccountNo	Beneficiary account number
beneficiary_name	beneficiaryAccountName	Beneficiary account name
beneficiary_email	beneficiaryEmail	Beneficiary email
bank_account_id	sourceAccountNo	For Facilitator: Bank account ID registered in Payouts for facilitator model, can be accessed in Midtrans Dashboard in Bank Accounts menu. For Aggregator**: `0000000000`
	transactionDate	Transaction date : ISO 8601 (without millis). e.g “yyyy-MM- ddTHH:mm:ssZ”
beneficiary_bank		Bank name used by the Beneficiary
notes	additionalInfo.remark	Remark/transaction description Previously remark could have been maximum 100 characters, under SNAP it is restricted to maximum 50 characters.

Response

The following table is a comparison of response parameter:

Payouts non-SNAP-based (current)	Payouts SNAP-based	Description
status		Payout Status
	responseCode	Response code
	responseMessage	Response description
reference_no	referenceNo	Transaction identifier on service provider system. Must be filled upon successful transaction
	partnerReferenceNo	Transaction identifier on service consumer system
	amount.value	Net amount of the transaction. If it’s IDR then value includes 2 decimal digits. e.g. IDR 10.000, will be placed with 10000.00
	amount.currency	Currency (should always be IDR)
	beneficiaryBankCode	3 digit BI Bank Code + 4 digit BI Branch Code for the beneficiary bank
	beneficiaryAccountNo	Beneficiary account
	sourceAccountNo	For Facilitator: Bank account ID registered in Payouts for facilitator model, can be accessed in Payouts Dashboard in Bank Accounts menu. For Aggregator**: `0000000000`
	transactionDate	Transaction date : ISO 8601 (without millis). e.g “yyyy-MM-ddTHH:mm:ssZ”
	originatorInfos[*].originatorCustomerNo	Originator customer account number
	originatorInfos[*].originatorCustomerName	Originator customer account name
	originatorInfos[*].originatorBankCode	Originator bank code
	additionalInfo.beneficiaryName	Name of the beneficiary
	additionalInfo.beneficiaryEmail	Beneficiary email

Response Codes

Payouts non-SNAP-based (current)	Payout SNAP-based	Description
	2021800	Request In Progress
	4001800	Bad Request
	4001801	Invalid Field Format [fieldName]
	4001802	Missing Mandatory Field [fieldName]
	4011801	Unauthorized
	4011201	Invalid Token (B2B)
	4091801	Duplicate partnerReferenceNo
	5001200	Internal Server Error

Notes:

If you received 5xx error during transfer, please do status inquiry before recreating new transfer request just to be sure we have not proceed the previous request.