Payment & Callback

Payment callback indicates that the customer has successfully paid the Virtual Account (VA). Merchants will receive this callback every time a successful payment is made, whether the VA amount is closed or open.

As part of the onboarding process, merchants must provide a callback URL to the Ayoconnect Virtual Account team during the onboarding process. All payment notifications will be delivered to this URL.

Callback Behavior

• The callback is only sent for successful payments.If a VA expires, no callback will be triggered.
• The callback body includes:
  1. latestPaidAmount, indicates the amount paid by the customer
  2. latestPaidTime, indicates the time when the payment was completed

Callback Requirements

• Callbacks only supports POST requests.
• Merchant systems must respond with HTTP 2xx (e.g. 200, 201) to acknowledge the callback.
• If the merchant returns 4xx HTTP status codes, the callback is considered unsuccessful, and the attempt will not proceed.
• If the merchant endpoint fails to return a 2xx response (network error, timeout, 5xx, etc.), Ayoconnect will retry the callback up to 3 times with intervals of 5 seconds, 10 seconds, and 30 seconds.
• Even if the merchant fails to receive all callback attempts, the transaction remains successful on Ayoconnect’s side, and the merchant will still receive the payment in the T+2 settlement report.

Payment Note

Virtual Account payments can be received through the issuing banks (BRI, BNI, BCA, Mandiri). Some other banks may support interbank transfers to these VAs via RTOL or BI-FAST, but this varies by bank, and not all banks support transfers to a Virtual Account outside their own network.

Callback Sample

You can refer to the complete callback fields in the documentation here (scroll to the bottom for the callback object).

{
  "responseCode": "2003400",
  "responseMessage": "Successful",
  "virtualAccountData": {
    "partnerServiceId": "   14629",
    "customerNo": "AYC5181",
    "virtualAccountNo": "   1462912345678900",
    "virtualAccountName": "Pembayaran Digital BRI",
    "virtualAccountPhone": "62821127133563",
    "additionalInfo": {
      "isSingleUse": "Y",
      "bankCode": "002",
      "bankReferenceId": "2533288883050041585",
      "transactionReferenceId": "oM5vk5bKnycAyEhGqmeuwXgSp80PhZnT",
      "originalReferenceNo": "yQXMR0F9JEnMYsx2Z9nFnvjQ1LZTzlpe",
      "paidTime": "2025-11-28T06:35:05+07:00",
      "paidAmount": "10000.00",
      "additionalInfo1": "Pembayaran digital BRI"
    }
  }
}