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Version: v3.0

Create Disbursement

The Create Disbursement API allows merchants to initiate a disbursement request. This process involves generating a disbursement ID that can be used to query the disbursement. Upon validation of request body information, the create disbursement request will be confirmed.

Endpoint​

Request URL: https://apihit.net/api/disbursement/create

Request Headers​

Header NameValue
Content-Typeapplication/json
Acceptapplication/json
X-SignatureThe HMAC signature used for verification.

Request Parameters​

PropertyPresenceTypeDescription
midMandatoryStringProvided by creedo during onboarding.
disbursement_methodMandatoryStringThis parameter indicates the method of disbursement. For IDR_BANK_TRANSFER, the value of this parameter should be "IDR_BANK_TRANSFER".
merchant_disbursement_idMandatoryStringUnique invoice number used on the merchant side for this specific disbursement. Max length is 25 characters. Special characters "<", ">" and "&" are not allowed.
disbursement_amountMandatoryIntegerAmount of the disbursement to be made.
disbursement_currencyMandatoryStringCurrency of the mentioned amount. For IDR_BANK_TRANSFER, the value of this parameter should be "IDR".
account_detailsMandatory.ObjectContains beneficiary bank account details required for disbursement.
account_details.account_numberMandatoryStringBeneficiary bank account number where Creedo will send the disbursement amount.
account_details.bank_codeMandatoryStringBank code from the Supported Banks list (e.g., IDR001).
ipn_urlMandatoryStringURL where creedo sends Instant Disbursement Notification. It must accept POST request from creedo.
customer_idMandatoryStringUnique user ID on the merchant's side.
customer_nameMandatoryStringFull name of the user on the merchant's side.
customer_phone_numberMandatoryStringRegistered phone number of the user on the merchant's side.
customer_emailMandatoryStringRegistered email address of the user on the merchant's side.
customer_ipMandatoryStringCurrent IP address of the user.
customer_typeOptionalStringType of the user. Possible values: Trusted, FTD, MTD, YTD, Others.
btagOptionalStringBtag identifier of the customer.
additional_info_1OptionalStringAdditional information.
additional_info_2OptionalStringAdditional information.

Success Response Parameters​

PropertyTypeDescription
gateway_statusString"accepted"
creedo_disbursement_idStringCreedo-generated disbursement ID for this disbursement creation request. This disbursement ID can be used later to track the disbursement and in other disbursement-related APIs.

Error Response Parameters​

PropertyTypeDescription
gateway_statusString"rejected"
messageStringError message here.

Signature Generation​

The signature (X-Signature) is generated using HMAC with SHA-256. It uses the secret_key and a secret_string as inputs. All inputs should be in string format:

secret_string = mid:merchant_disbursement_id:disbursement_method:disbursement_currency:disbursement_amount

Request Body​

POST /api/disbursement/create HTTP/1.1
Host: https://apihit.net
Content-Type: application/json
Accept: application/json
X-Signature: <hash_str>

{
  "mid": "CREEDO12345",
  "disbursement_method": "IDR_BANK_TRANSFER",
  "merchant_disbursement_id": "INV123456789",
  "disbursement_amount": 5000,
  "disbursement_currency": "IDR",
  "account_details": {
      "account_number": "96300000000",
      "bank_code": "IDR001" //Bank code
  },
  "ipn_url": "https://example.com/ipn-handler",
  "customer_id": "USER12345",
  "customer_name": "John Doe",
  "customer_phone_number": "+6281XXXXXXXX",
  "customer_email": "johndoe@example.com",
  "customer_ip": "192.168.1.1",
  "customer_type": "Trusted",  // Optional
  "btag": "BTAG001",  // Optional
  "additional_info_1": "Loyal customer",  // Optional
  "additional_info_2": ""  // Optional
}

Success Response​

A successful response will return a JSON object containing:

{
  "gateway_status": "accepted",
  "creedo_disbursement_id": "3C8HL0MHX9"
}

Error Response​

In case of an error, the API will return a JSON object with error details:

{
    "gateway_status": "rejected",
    "message": "Unknown error occurred."
}

Notes​

  • The merchant_disbursement_id must be unique for each transaction to prevent duplication.
  • There is no "other bank" fallback code. A bank that is not in the Supported Banks list cannot receive a disbursement.
  • Codes ending in VA (e.g., IDR001VA) are virtual-account destinations, not ordinary accounts. For a normal transfer to a BRI account send IDR001, not IDR001VA.

Supported Banks​

The value sent in account_details.bank_code must be one of the Bank Code values listed below.

Bank CodeBank Name
IDR001BANK RAKYAT INDONESIA (BRI)
IDR002BANK MANDIRI
IDR003BANK NEGARA INDONESIA (BNI)
IDR004BANK DANAMON
IDR005PERMATA BANK
IDR006BANK CENTRAL ASIA (BCA)
IDR007MAYBANK INDONESIA
IDR008PANIN BANK
IDR009CIMB NIAGA
IDR010BANK UOB INDONESIA
IDR011BANK OCBC NISP
IDR012BANK ARTHA GRAHA
IDR013HSBC INDONESIA
IDR014MUFG BANK (EX BTMU)
IDR015BANK SUMITOMO MITSUI (SMBC)
IDR016DBS INDONESIA
IDR017BANK RESONA PERDANIA
IDR018BANK MIZUHO INDONESIA
IDR019STANDARD CHARTERED BANK
IDR020BANK JTRUST INDONESIA
IDR021BANK MAYAPADA
IDR022BANK BJB (JAWA BARAT & BANTEN)
IDR023BANK DKI
IDR024BANK JATENG
IDR025BANK JATIM
IDR026BANK SINARMAS
IDR027BANK ICBC INDONESIA
IDR028BANK TABUNGAN NEGARA (BTN)
IDR029BANK BTPN
IDR030BANK BJB SYARIAH
IDR031BANK MEGA
IDR032BANK JASA JAKARTA (BJJ)
IDR033BANK KB BUKOPIN
IDR034BANK SYARIAH INDONESIA (BSI)
IDR035BANK KEB HANA (LINE BANK)
IDR036BANK MNC / MOTION
IDR037BANK NEO COMMERCE
IDR038SEABANK INDONESIA
IDR039BANK BCA SYARIAH
IDR040BANK JAGO
IDR041BANK BTPN SYARIAH
IDR042BANK VICTORIA INTERNATIONAL
IDR043ALLO BANK
IDR044BANK CTBC INDONESIA
IDR045BANK EKSPOR INDONESIA
IDR046BANK ARTA NIAGA KENCANA
IDR047TMRW
IDR048AMERICAN EXPRESS BANK
IDR049CITIBANK
IDR050JP MORGAN CHASE
IDR051BANK OF AMERICA
IDR052ING INDONESIA BANK
IDR053BANK CHINA CONSTRUCTION
IDR054BANK CREDIT AGRICOLE INDOSUEZ
IDR055BANGKOK BANK
IDR056BANK ABN AMRO
IDR057BANK KEPPEL TATLEE BUANA
IDR058BANK CAPITAL INDONESIA
IDR059BNP PARIBAS INDONESIA
IDR060KOREA EXCHANGE BANK DANAMON
IDR061RABOBANK INTERNATIONAL
IDR062ANZ INDONESIA
IDR063DEUTSCHE BANK AG
IDR064BANK OF CHINA (HK)
IDR065BANK BUMI ARTA
IDR066BANK ANTARDAERAH
IDR067BANK BPD DIY
IDR068BANK JAMBI
IDR069BANK ACEH
IDR070BANK SUMUT
IDR071BANK SUMBAR / NAGARI
IDR072BANK RIAU KEPRI
IDR073BANK SUMSEL BABEL
IDR074BANK LAMPUNG
IDR075BANK KALSEL
IDR076BANK KALBAR
IDR077BANK KALTIM
IDR078BANK KALTENG
IDR079BANK SULSELBAR
IDR080BANK SULUTGO
IDR081BANK NTB / NTB SYARIAH
IDR082BPD BALI
IDR083BANK NTT
IDR084BANK MALUKU
IDR085BANK PAPUA
IDR086BANK BENGKULU
IDR087BANK SULTENG
IDR088BANK SULTRA
IDR089BPD BANTEN
IDR090BANK NUSANTARA PARAHYANGAN
IDR091BANK OF INDIA INDONESIA
IDR092BANK MUAMALAT
IDR093BANK MESTIKA DHARMA
IDR094BANK SHINHAN INDONESIA
IDR095BANK MASPION INDONESIA
IDR096BANK GANESHA
IDR097BANK HARMONI INTERNATIONAL
IDR098QNB INDONESIA
IDR099BANK WOORI SAUDARA
IDR100BANK VICTORIA SYARIAH
IDR101BANK BISNIS INTERNASIONAL
IDR102BANK SRI PARTHA
IDR103BRI AGRONIAGA / RAYA
IDR104SBI INDONESIA
IDR105BLU (BCA DIGITAL)
IDR106NOBU BANK
IDR107BANK MEGA SYARIAH
IDR108BANK INA PERDANA
IDR109PANIN DUBAI SYARIAH
IDR110BANK PRIMA MASTER
IDR111BANK BUKOPIN SYARIAH / KB BUKOPIN SYARIAH
IDR112BANK SAHABAT SAMPOERNA (BSS)
IDR113BANK AKITA
IDR114BANK DINAR INDONESIA
IDR115BANK AMAR INDONESIA
IDR116BANK MULTI ARTA SENTOSA
IDR117BANK MAYORA INDONESIA
IDR118BANK INDEX SELINDO
IDR119BANK CNB
IDR120BANK FAMA INTERNASIONAL
IDR121BANK MANDIRI TASPEN (MANTAP)
IDR122BPR KS
IDR123BANK DANAMON SYARIAH
IDR124BANK DKI SYARIAH
IDR125BANK JATENG SYARIAH
IDR126BANK SINARMAS SYARIAH
IDR127BPR EKA / BANK EKA
IDR128BANK ALADIN SYARIAH
IDR129COMMONWEALTH BANK
IDR130ARTAJASA PEMBAYARAN ELEKTRONIK
IDR131BANK OKE INDONESIA
IDR132BANK IBK INDONESIA
IDR133KSEI
IDR134ESPAY DEBIT (DANA KOE)
IDR135BANK INDONESIA (BI)
IDR136SUPERBANK
IDR137KROM BANK INDONESIA
IDR138BANK NANO SYARIAH
IDR139KOP INTIDANA
IDR140BANK BARCLAYS
IDR141BPR SUPRA
IDR142MANDIRI BPR
IDR143SGOD PAY
IDR144IMKAS
IDR145FINNET
IDR146ALTOCASH
IDR147XL TUNAI
IDR148ALTOPAY
IDR149BANK ANDA
IDR150ISO
IDR151TELKOM
IDR152DOKU
IDR153ATMI
IDR154ATMI-EN
IDR155BANK SLEMAN
IDR156ATMBPLUS
IDR157DIGITAL SOLUSI PTM
IDR158DUTAMONEY
IDR159E2PAY
IDR160FELLO
IDR161GOTAGIHAN
IDR162GOJEK
IDR163KASPRO
IDR164MOTIONPAY
IDR165PAYDIA
IDR166TOKOPEDIA
IDR301DANA
IDR302GOPAY
IDR303LINKAJA
IDR304OVO
IDR305SHOPEEPAY
IDR001VABANK RAKYAT INDONESIA (BRI) (VIRTUAL ACCOUNT)
IDR002VABANK MANDIRI (VIRTUAL ACCOUNT)
IDR003VABANK NEGARA INDONESIA (BNI) (VIRTUAL ACCOUNT)
IDR004VABANK DANAMON (VIRTUAL ACCOUNT)
IDR005VAPERMATA BANK (VIRTUAL ACCOUNT)
IDR009VACIMB NIAGA (VIRTUAL ACCOUNT)