Overview

Buy Now Pay Later V1.1

Paylater is a cardless installment method, allowing users to make purchases in installments without the need for a credit card. Users simply need to register through a Paylater provider's application to create an account and receive a credit limit. The payment process is straightforward—users select an installment period (tenor), which is determined based on the total transaction amount, and then confirm the payment.

Currently, we offer Paylater payment through Indodana and Kredivo. For online transactions, we provide the Generate Checkout URL feature, which generates a payment link. When the user opens the link, they will be directed to the paylater payment page.

For offline transactions, we offer the POS Checkout feature. In this method, the user scans a QR code displayed by the merchant. Once scanned, the user is redirected to the payment page within the selected PayLater application to complete the transaction.

We have two versions, with the main differences as follows:

Version 1.0 uses the existing PG2 authorization format. In contrast, Version 1.1 implements both asymmetric or symmetric signature schemes for generating payment authentication, and a symmetric signature scheme for verifying payment notifications.

Note: Kredivo is supported only in Version 1.1. Transactions processed through Kredivo must use the Version 1.1 authentication mechanism.

We recommend that merchants integrate with Version 1.1 to take advantage of the enhanced security mechanisms and broader payment channel support, including Kredivo.

Available Paylater or Cardless installment

Classification	Channel ID	Channel Name
BNPL	PL001	INDODANA
BNPL	PL002	KREDIVO

Available feature

List of the APIs Available for Payment with Cardless installment or Pay Later are below:

• Get Payment Calculation
• Generate Checkout URL
• POS Checkout
• Payment Notification
• Check Transaction Status

Payment Channel	Get Payment Calculation	Generate Checkout URL	POS Checkout	Payment Notification	Check Transaction Status
INDODANA	✅	✅	✅	✅	✅
KREDIVO	✅	✅	❌	✅	✅

Payment Simulator

Merchants can use the payment simulation tool available at Athena Simulator to perform dummy payment transactions.

Notes:

• Currently, the simulator supports INDODANA only.
• Kredivo simulator support is currently under development and is not yet available.
• We will provide an update once the Kredivo simulator is ready for use.
• Until then, merchants may use the provided testing accounts to conduct Kredivo payment testing.

Testing Account

INDODANA

• Phone Number: 6285780110019
• PIN: 123654
• OTP: 999999

KREDIVO

• Username: 081381140446
• Password: 131212
• Transaction OTP: 4567