Unique identifier of the merchant's customer. Used to link the VA or transaction to a specific end user.

Unique transaction ID generated by the merchant. Used for tracing and reconciliation.

Customer's name displayed on ATM or mobile banking screens during payment.

Unique Virtual Account number (11–18 numeric digits). If this field is left empty in the VA creation request, Ayoconnect will automatically generate a random number. Each Virtual Account can have only one active session before expiry, even if the merchant requests the same number again, it cannot be reused until the existing one has expired or been paid.

Bank-specific length constraints:

• Mandiri: Min 11, Max 14
• BCA: Min 11, Max 18
• BNI: Fixed 12
• BRI: Min 11, Max 13

Customer's phone number used to refer to customer and record purposes. It should start with the Indonesian country code '62' and be followed by at least 10 and at most 15 numeric characters.

Expiry date and time of the Virtual Account following ISO 8601 format. Once expired, the VA cannot accept further payments until it is re-created or updated to reactivate.

Client's current local time in 'yyyy-MM-ddTHH:mm:ssTZD' format

Request body signature

Merchant identifier consisting of 6 alphanumeric characters. It is used to uniquely identify the merchant or partner in all API requests and responses. The value is assigned by Ayoconnect after successful onboarding and registration.

Unique identifier provided by the merchant for each API request. It is used for idempotency, tracking, and to populate the referenceNo and originalReferenceNo fields in responses. The value must be unique per request attempt and contain 32 alphanumeric characters.

Channel ID

Bearer token