SNAP Direct Debit

Version Control

VERSION HISTORY

VERSION	APPROVED BY	REVISION DATE	DESCRIPTION OF CHANGE	AUTHOR
1.0.0	Kevinn Ernest	2 Aug 2024	Init Docs	Irham Raziqony
1.0.2	Kevinn Ernest	17 Mar 2025	Update Description: - IV (Initialization Vector) - bankCardNo - phoneNo - email	Irham Raziqony
1.0.3	Kevinn Ernest	26 Jan 2026	Add payment with E-wallet, Account Binding Pages	Ganis Maulia
1.0.4	Kevinn Ernest	05 March 2026	Add available features	Ganis Maulia
1.0.5	Kevinn Ernest	21 April 2026	Add channel: CIMB (DD007)	Irham Raziqony
1.0.6	Kevinn Ernest	28 April 2026	Add channel: OVO (EW001) & LinkAja (EW003)	Ganis Maulia
1.0.7	Kevinn Ernest	16 July 2026	Add channel: Blu Snap (DD006)	Irham Raziqony
1.0.8	Kevinn Ernest	01 September 2026	Add channel: SHOPEEPAY (EW005)	Ganis Maulia
1.0.9	Kevinn Ernest	07 October 2026	Update domain URL access token B2B	Ganis Maulia
1.0.10	Kevinn Ernest	20 October 2026	Add channel: Blu App (DD004)	Irham Raziqony

Channel ID

Payment Mode	Payment Channel	CHANNEL-ID
Direct Debit	BRI	DD003
Direct Debit	BLU App	DD004
Direct Debit	BLU Snap	DD006
Direct Debit	CIMB	DD007
Direct Debit	BCAS	DD008
EWallet	OVO	EW001
EWallet	LinkAja	EW003
EWallet	DANA	EW004
EWallet	SHOPEEPAY	EW005

Available Features

Here are the supported direct debit payment channels and their capabilities:

Payment Channel	Direct Debit Payment	Payment Status	Payment Notification	Cancel Payment	Account Binding	Access Token B2B2C	Account Unbinding	Balance Inquiry	Card Binding	Card Unbinding	Verify OTP Payment
BCAS	✅	✅	✅	❌	✅	✅	❌	❌	❌	❌	❌
Blu App	✅	✅	✅	❌	❌	❌	❌	❌	❌	❌	❌
BRI	✅	✅	✅	❌	❌	❌	❌	❌	✅	✅	✅
CIMB	✅	✅	✅	❌	✅	✅	✅	❌	❌	❌	✅
Blu	✅	✅	✅	✅	✅	✅	✅	❌	❌	❌	✅
OVO	✅	✅	✅	❌	✅	✅	✅	✅	❌	❌	❌
LinkAja	✅	✅	✅	❌	✅	✅	✅	✅	❌	❌	❌
DANA	✅	✅	✅	✅	✅	✅	✅	✅	❌	❌	❌
SHOPEEPAY	✅	✅	✅	✅	❌	❌	❌	❌	❌	❌	❌

---

Value	BRI	DANA	CIMB	BLU App	BCAS
Payment Display	Merchant provides the OTP page	Redirect URL	Merchant provides the OTP page	Redirect URL	Redirect URL
Minimum amount	Rp 10.000	Rp 15.000	Rp 15.000	Rp 10.000	Rp 10.000
Max Amount	Depend on BRI's Debit Card	Rp 20.000.000	Depend on CIMB's Debit Card	Rp 25.000.000	Rp 20.000.000
App PIN required for authorization	No	Yes	No	Yes	No
OTP required for authorization	Depend on BRI's decision for each merchant profile	Depends on DANA’s fraud risk assessment	Depend on CIMB's decision for each merchant profile	No	Yes
Payment expiry time	3 minutes (tied to expiry time OTP)	Default 15 minutes, maximum 1 hour	Expiry time OTP	15 minutes	15 minutes
Tokenization with PIN & redirect flow	No	Yes	Yes	No	No
Tokenization with OTP & payment notify	Yes	Yes	Yes	No	No
Tokenization with auto debit (no PIN, no OTP)	Yes (Depend on BRI's decision for each merchant profile)	No	Yes (Depend on CIMB's decision for each merchant profile)	No	No
Refund payment	Yes, valid for up to 4 months	Yes, valid for up to 1 month	Yes, valid for up to 7 days	No	No

Direct Debit Card Type

Channel	Card Type	Category	Start PAN	End PAN	Limit
BRI	GPN	Classic (RGLR)	6013010000000000	6013014999999999	10.000.000
		Gold (GOLD)	6013015000000000	6013019999999999	20.000.000
	Mastercard	Classic (GRLR)	5221840000000000	5221844999999999	10.000.000
		Gold (GOLD)	5221845000000000	5221849999999999	20.000.000
		Premium (PLAT)	5326590000000000	5326599999999999	50.000.000
	Visa (Debit Virtual)	Gold (GOLD)	4073575000000000	4073579999999999	20.000.000