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Getting Started

Introduction

Simplifying Buying

With Kredivo Checkout customers only need to provide their phone number and password to complete a purchase.

Optimized for all devices No risk. You always get paid
Kredivo Checkout adapts seamlessly to both desktops and mobile devices. This means that you instantly get the same conversion on mobiles as on desktops. One-click buying increases conversion by an additional 29% for returning customers. Kredivo assumes all risk for both the customer and merchant. That means no more charge-backs for you as a merchant.

Try Kredivo Checkout

We have set up a demo checkout so that you can try it out yourself, just go to one of our partner sites.

Preparation

Prepare your site

In order to complete the Kredivo Checkout integration process as simply and quickly as possible, we recommend that you start by setting up the following.

Checkout page and confirmation page

Both the checkout page and the checkout confirmation page are hosted by you. Both these pages must include a div that you will populate with the Kredivo Checkout button. You will learn what the Kredivo Checkout is in our first tutorial, embed the checkout. Kredivo Checkout is responsive, which means that it will always use the full width of the container.

Tip! Place the Kredivo Checkout button so that your customers can see it instantly after loading the checkout page without scrolling. Provide clear calls to action to improve your conversion rates, such as “Finalize your purchase now”.

mco

An example of what the checkout looks like on different devices.

Push notification URI

As you will learn in the Confirm purchase tutorial, Kredivo needs a URI to inform you of the order status. You will need to include a placeholder in the push URI, which Kredivo will then replace with the order URI when we send the push request.

Developer Help

If you need any help with the documentation and sandbox environment, please email support@kredivo.com and we’ll respond as soon as we can.

If you do not already have a merchant account, please email support@kredivo.com to get setup with one.

Developer FAQ

  1. Does Kredivo work on desktop and mobile? Yes, desktop, mobile, and tablet web.
  2. I’m not a retailer but I want to offer Kredivo financial products in my site/app do you have an API for that? See previous answer. If you are interested in joining a pilot let us know support@kredivo.com
  3. Is Kredivo another payment processor? xxx

Integration

Checkout with Kredivo

On this step, we will try to obtain the Kredivo Login page when performing a transaction. There is at least 3 components that are required to obtain Kredivo Login page:

You’ll need a server_key to interact with the Kredivo’s server. Please send an email to merchops@finaccel.co to sign up as an Kredivo merchant and get server_key.

Using the API:

The Request JSON structured like this:

{
    "server_key":"MEJ4FLRc74UU64cxCF8Z3HYSpPctD7",
    "payment_type":"30_days",  
    "transaction_details": {
        "amount":115000,
        "order_id":"KD14721",
        "items": [
            {
                "id":"BB12345678",
                "name":"iPhone Accessories ",
                "price":55000,
                "type":"Accessories",
                "url":"http://merchant.com/cellphones/iphone5s_64g",
                "quantity":1
            },
            {
                "id":"AZ14565678",
                "name":"Sol Sneakers Blink A304",
                "price":25000,
                "url":"http://merchant.com/fashion/shoes/sneakers-blink-shoes",
                "type":"Sneakers",
                "quantity":2,
                "parent_type":"SELLER",
                "parent_id":"SELLER456"
            },
            {
                "id":"taxfee",
                "name":"Tax Fee",
                "price":5000,
                "quantity":1
            },
            {
                "id":"shippingfee",
                "name":"Shipping Fee",
                "price":10000,
                "quantity":1,
                "parent_type":"SELLER",
                "parent_id":"SELLER456"
            },
            {
                "id":"discount",
                "name":"Discount",
                "price":5000,
                "quantity":1
            }
        ]
    },
    "sellers":[
        {
            "id":"SELLER123",
            "name":"Sunrise",
            "email": "sunrise@gmail.com",
            "url": "http://merchant.com/sunrise"
            "address" : {
                "first_name":"Irfan",
                "last_name":"Sutandro",
                "address":"Jalan Tentara Pelajar no 49",
                "city":"Jakarta Utara",
                "postal_code":"12960",
                "phone":"08123456789",
                "country_code":"IDN"
            }  
        },
        {
            "id":"SELLER456",
            "name":"Toko Bagus",
            "email": "tokobagus@gmail.com",
            "address" : {
                "first_name":"Toto",
                "last_name":"Wahyuni",
                "address":"Jalan Krici raya IX",
                "city":"Jakarta Selatan",
                "postal_code":"12960",
                "phone":"08123456789",
                "country_code":"IDN"
            }
        }
    ],
    "customer_details":{
        "first_name":"Oemang",
        "last_name":"Tandra",
        "email":"alie@satuduatiga.com",
        "phone":"081513114262"
    },
    "billing_address": {
        "first_name":"Oemang",
        "last_name":"Tandra",
        "address":"Jalan Teknologi Indonesia No. 25",
        "city":"Jakarta",
        "postal_code":"12960",
        "phone":"081513114262",
        "country_code":"IDN"
    },
    "shipping_address": {
        "first_name":"Oemang",
        "last_name":"Tandra",
        "address":"Jalan Teknologi Indonesia No. 25",
        "city":"Jakarta",
        "postal_code":"12960",
        "phone":"081513114262",
        "country_code":"IDN"
    },
    "push_uri":"https://api.merchant.com/push.php",
    "back_to_store_uri":"https://merchant.com"
}

The Response returns JSON structured like this:


  Positive Response :

  {
    "status":"OK",
    "message":"Message if any",
    "redirect_url":"https://sandbox.kredivo.com/kredivo/v2/signin?tk=XXX"
  }

  Negative Response:

  {
    "status": "ERROR",
    "error": {
        "message": "Field secret_key is INCORRECT.",
        "kind": "APIException"
    }
  }

Request Body

Name Type Description
server_key String Required. Each merchant will have server_key generated by Kredivo.
payment_type String Required. You can set default value with 30_days or 12_months. Payment id/type chosen by the shopper (30_days, 3_months, 6_months, 12_months)
transaction_details Transaction Details of the transaction
customer_details Customer Required. Details of the customer
sellers Seller Optional (compulsory for marketplaces). Details of the seller for marketplaces
billing_address Address Optional. Billing address of the customer/shopper
shipping_address Address Required. Shipping address of the customer/shopper. shipping is required for goods (excluding ticket/voucher)
push_uri String Required. URI of merchant push-notification API (HTTP POST)
user_cancel_uri String Optional. URI that the customer is sent to if the customer chooses to cancel the Kredivo payment before completion
back_to_store_uri String Required. URI of your store page. Used on the settlement page. Kredivo’s server will pass some params to this uri for merchant’s server acknowledgement: order_id: Order Id given by Merchant; tr_id: Transaction Id given by Kredivo;tr_status: Transaction status of a transaction; sign_key: Signature key to validate if the notification is originated from Kredivo. Please contact us how to parse this signature_key by using your client key.
expiration_time String (epoch) Optional. by default kredivo set expiration time 24 hours after transaction time.

Response

Name Type Description
status String Status code (OK or ERROR)
message String Description of status
redirect_url String The checkout page URL to be displayed
error Message : Description of error status; Kind : error type

Transaction

Name Type Description
order_id String Required. Order Id given by merchant
amount Double Required. The transaction amount
items Item Required. The shopping items

Product Item

Name Type Description
id String Required. Can be product SKU. Important! for item fee such as: shipping fee, admin fee etc. you have to use this id: shippingfee, adminfee, taxfee, discount, additionalfee, insurancefee.
name String Required. product name given by merchant
price Double Required. Price of the item
url String Required. URL to the product item on merchant site
image_url String Optional. URL to the product item image
type String Required. Product category.
quantity Integer Required. Quantity of the item bought
parent_type String Optional. You can assign the fee to either SELLER or ITEM. If not specified, this will be tied to transaction level
parent_id String Optional. This is either the seller Id or item Id

Customer

Name Type Description
first_name String Required.
last_name String Optional.
email String Required.
phone String Required.

Address

Name Type Description
first_name String Required.
last_name String Optional.
address String Required.
city String Required.
postal_code String Required.
phone String Required.
country_code String Required. ISO 3166-1 alpha-3

Seller

Name Type Description
id String Required. Seller’s Id
name String Required. Seller’s name
legal_id String Optional. Seller’s legal Id (KTP, SIM or passport number)
email String Required. Seller’s email
url String Optional. Seller’s Domain
address Address Required. Seller’s residential address

HTTP(S) Header

Name Type Description
Content-Type String application/json
Accept String application/json

Payment Type

This is optional step if you want to display list of eligible payment type and implement Installment on your page to calculate and display Installment breakdown on your checkout page.

Using the API:

** You can pay multiple items in one transaction. For pay in 30 days payment, the maximum transaction amount is IDR 3,000,000. For Kredivo installment (3_months, 6_months, 12_months) minimum amount is IDR 1,000,000. Maximum transaction amount for Kredivo transaction is IDR 20,000,000 however user’s limit may vary.

The Request JSON structured like this:

  {
    "server_key":"8tLHIx8V0N6KtnSpS9Nbd6zROFFJH7",
    "amount":2400000,
    "items": [
        {
            "id":"BB12345678",
            "name":"iPhone 5S",
            "price":2400000,
            "url":"http://merchant.com/cellphones/iphone5s_64g",
            "type":"Smartphone",
            "quantity":1
        }
    ]
  }

Example Response:

  {
    "status": "OK",
    "message": "Available payment types are listed.",
    "payments": [
        {
            "down_payment": 0,
            "name": "Bayar dalam 30 hari",
            "amount": 2400000,
            "installment_amount": 2400000,
            "rate": 0,
            "monthly_installment": 2400000,
            "discounted_monthly_installment": 0,
            "tenure": 1,
            "id": "30_days"
        },
        {
            "down_payment": 0,
            "name": "Bayar dalam 3 bulan",
            "interest_rate_transition_term": 0,
            "amount": 2400000,
            "installment_amount": 2568870,
            "rate": 2.95,
            "monthly_installment": 856290,
            "discounted_monthly_installment": 0,
            "tenure": 3,
            "id": "3_months"
        },
        {
            "down_payment": 0,
            "name": "Bayar dalam 6 bulan",
            "interest_rate_transition_term": 0,
            "amount": 2400000,
            "installment_amount": 2700540,
            "rate": 2.95,
            "monthly_installment": 450090,
            "discounted_monthly_installment": 0,
            "tenure": 6,
            "id": "6_months"
        },
        {
            "down_payment": 0,
            "name": "Bayar dalam 12 bulan",
            "interest_rate_transition_term": 0,
            "amount": 2400000,
            "installment_amount": 2976600,
            "rate": 2.95,
            "monthly_installment": 248050,
            "discounted_monthly_installment": 0,
            "tenure": 12,
            "id": "12_months"
        }

    ]
}

Request Body

Name Type Description
server_key String Required. Each merchant will have server_key generated by Kredivo.
amount Integer Required. The transaction amount
items Item Required. The shopping items

Response

Name Type Description
status String Status code (OK or ERROR)
payments Payment List of available payment type to the transaction including its breakdown. You can find available payment type here.

Product Item

Name Type Description
id String Required. Can be product SKU. Important! for item fee such as: shipping fee, admin fee etc. you have to use this id: shippingfee, adminfee, taxfee, discount, additionalfee, insurancefee.
name String Required. Product name
price double Required. Price of the item in the quantity
url String Required. URL to the product item on merchant site
image_url String Optional. URL to the product item image
type String Required. Product category
quantity Integer Required. Quantity of the item bought

Payment Type

Name Type Description
id String Payment id/type chosen by the shopper (30_days, 3_months, 6_months, and 12_months)
name String Payment type name
tenure Integer tenure
rate float interest
amount Double Transaction amount. Total purchased items.
monthly_installment Double total installment per month
installment_amount Double total installment
down_payment Double total down payment
interest_rate_transition_term float spesial interest
discounted_monthly_installment Double discounted monthly installment

Confirm Purchase

In this tutorial you will learn how to confirm that you have received and created an order in your system. This confirmation is needed in response to a push notification from Kredivo, indicating that the consumer has completed a purchase. Once you have received the push notification you should update the status of the order.

Confirmation Flow

confirmation flow

1. Receive notification from Kredivo

Once a consumer has completed a purchase, Kredivo will inform you via a POST request. The POST request will be made to the push notification URI you provided when you created the checkout order.

HTTP Notification example of transaction::

{
    "status": "OK",
    "amount": "1500100.00",
    "payment_type": "30_days",
    "transaction_status": "pending",
    "order_id": "KD125262",
    "message": "Transaction status is pending",
    "shipping_address": {
        "city": "Jakarta Selatan",
        "first_name": "Darana 2",
        "last_name": "Pratama",
        "countrycode": "IDN",
        "creation_date": "2017-08-04T18:28:14",
        "phone": "0217248724",
        "state": "",
        "transaction": 1505866,
        "postcode": "12120",
        "location_details": "Jl. Kerinci IX No. 5-A"
    },
    "transaction_time": 1501846094,
    "transaction_id": "fadee4e5-99a2-48d6-952d-007f3fa508e8",
    "signature_key": "o5KZPDcxgEA9QutAVcIQwE3suQRkTEIA1VXcoHp7KaWJnpHx0uuHETBVpxfYLbaPyS8RJg34uVxTUX64cfUTzVVhCrSif%2FUg92J2WyLs%2FhQ%3D"
}

Response Body from Kredivo

Name Type Description
status String Status code (OK or ERROR)
message String Description of status
payment_type String Payment id/type chosen by the shopper (30_days, 3_months, 6_months, 12_months)
transaction_id String Transaction Id given by Kredivo
transaction_status String Transaction status of a transaction, the values is:
settlement: Transaction is successful
pending: User has not completed the transaction
deny: Transaction has been denied by Kredivo
cancel: Transaction has been cancelled by merchant
expire: User did not complete transaction, thus transaction is expired
transaction_time UNIX timestamp (epoch) Timestamp of transaction
payment_type String Payment id/type chosen by the shopper (30_days, 3_months, 6_months, 12_months)
shipping_address Address Optional. Shipping address of the customer/shopper
order_id String Order Id given by merchant
amount String The transaction amount
signature_key String Signature key to validate if the notification is originated from Kredivo. Please contact us how to parse this signature_key by using your client key.

Response Address Info

Name Type Description
city String Optional.
first_name String Optional.
last_name String Optional.
countrycode String Optional.
creation_date String Optional.
phone String Optional.
state String Optional.
transaction Integer Optional.
postcode String Optional.
location_details String Optional.

Merchant Response

merchant response should be in JSON, structured like this:

  {
    "status":"OK",
    "message":"Message from merchant if any"
  }

2. Confirm the order status

You must now get the order status to validate the notification originated from Kredivo’s server

Using the API:

Request Body

Name Type Description
transaction_id String Transaction Id given by Kredivo
signature_key String Signature key to validate if the notification is originated from Kredivo. Please contact us how to parse this signature_key by using your client key.

Response Body

Example response after call API v2/update:

{
    "status": "OK",
    "legal_name": "TANDRA",
    "fraud_status": "accept",
    "order_id": "KD125262",
    "transaction_time": 1501846094,
    "amount": "1500100.00",
    "payment_type": "30_days",
    "transaction_status": "settlement",
    "message": "Confirmed order status. Valid!",
    "transaction_id": "fadee4e5-99a2-48d6-952d-007f3fa508e8"
}
Name Type Description
status String Status code (OK or ERROR).
message String Description of status
payment_type String Payment id/type chosen by the shopper (30_days, 3_months, 6_months, 12_months)
transaction_id String Transaction Id given by Kredivo
transaction_status String Transaction status of a transaction, the values is:
settlement: Transaction is successful
pending: User has not completed the transaction
deny: Transaction has been denied by Kredivo
cancel: Transaction has been cancelled by merchant
expire: User did not complete transaction, thus transaction is expired
transaction_time UNIX timestamp (epoch) Timestamp of transaction
order_id String Order Id given by merchant
amount String The transaction amount
fraud_status String Detection result by Fraud Detection System (FDS), the values is:accept: Approved by FDS; deny: Denied by FDS. Transaction automatically failed
legal_name String legal name of kredivo account

Settle an order in your system

You should now settle the order in your system with the order data that you want to store if transaction_status is SETTLEMENT.

Cancel Purchase

Payment can be voided with cancel method if transaction has been completed.

** A transaction can be cancelled within 30 calendar days after the transaction was created. If a cancellation is requested after 14 calendar days, we will charge cancellation fee to merchant. We would not be able to cancel a transaction after 30 calendar days.

Using the API:

Example Request :

{
    "server_key": "gWYY7zkDYBEUgbj4VFLEsp4mFUvJXm",
    "order_id": "ALC300080",
    "transaction_id":"69fe07ca-e055-4877-828a-a201a6729163",
    "cancellation_amount" : 50000,
    "cancellation_reason":"Out of stock",
    "cancelled_by":"Althea",
    "cancellation_date":"1537764894"
}    

Request Body

Name Type Description
server_key String Required. Each merchant will have server_key generated by Kredivo.
order_id String Required. Order Id given by merchant
transaction_id String Required. Transaction Id given by Kredivo
cancellation_amount String Optional. If you don’t pass this parameter or if you pass a cancellation amount that is equal to the transaction amount, it will be treated as a full cancellation. If the cancellation amount passed is less than the transaction amount, it will be treated as a partial cancellation. If the cancellation amount is bigger than the transaction amount or a 0 or a negative number, we will return an error.
cancellation_reason String Required. A description that clarifies reason of cancelling the transaction
cancelled_by String Required. Cancellation requester name/ id
cancellation_date UNIX timestamp (epoch) Required. Timestamp of Cancellation

Example Response :

positive response:
{
    "status": "OK",
    "fraud_status": "accept",
    "order_id": "ALC300080",
    "transaction_time": 1537764775,
    "amount": "3000000.00",
    "payment_type": "3_months",
    "message": "Succes cancelling transaction by amount",
    "transaction_id": "2f93b291-821f-4428-9e2e-bf2d75ac05ab"
}


negative response:
{
    "status": "ERROR",
    "message": "Transaction is already cancelled.",
    "fraud_status": "deny"
}

{
    "status": "ERROR",
    "error": {
        "message": "Cancellation amount bigger than remaining transaction amount that can be cancelled",
        "kind": "APIException"
    }
}

Response

Name Type Description
status String Status code (OK or ERROR).
transaction_id String Transaction Id given by Kredivo
transaction_time UNIX timestamp (epoch) Timestamp of transaction
order_id String Order Id given by merchant
amount String The transaction amount
payment_type String Payment id/type chosen by the shopper (30_days, 3_months, 6_months, 12_months)
message String Description of status
fraud_status String Detection result by Fraud Detection System (FDS), the values is:accept: Approved by FDS deny: Denied by FDS.

Check Transaction Status

You can use this API to check individual transaction’s status on Kredivo. You can refer to this chart to see Kredivo’s transaction status flow.

transction flow

transaction flow user register

Using the API:

Example Request :

{
    "server_key": "XNe3UDd2bG6VBqQ2QamqQJ83SNGLnZ",
    "order_id": "KB-0c40f395"
}

Example Response :

{
    "status": "OK",
    "legal_name": "MUHAMMAD RANDY RAHARJA MACHYAR",
    "fraud_status": "accept",
    "order_id": "KB-0c40f395",
    "transaction_time": 1520318880,
    "external_userid": "SbmEaX1fdr",
    "amount": "1500000.00",
    "payment_type": "30_days",
    "transaction_status": "pending",
    "message": "Transaction is pending",
    "transaction_id": "46153904-2611-462c-ab51-2423586638ea"
}

Request Body

Name Type Description
server_key String Required. Each merchant will have server_key generated by Kredivo.
order_id String Required. Order Id given by merchant

Response

Name Type Description
Status String Status code (OK or ERROR).
Legal name String kredivo user
Fraud status String Detection result by Fraud Detection System (FDS), the values is:accept: Approved by FDS deny: Denied by FDS.
Order id String Order Id given by merchant
Transaction time UNIX timestamp (epoch) Timestamp of transaction
External userid String Kredivo user id
Amount String Transaction amount
Payment type String ayment id/type chosen by the shopper (30_days, 3_months, 6_months, 12_months)
Transaction status String Transaction status of a transaction
Message String Detail status
Transaction id String Transaction Id given by Kredivo.

Branding & Visual

Logos

Using Kredivo’s logotype generates trust and increases your conversion.

Your website’s background

Depending on if you have dark or light background you can get either a blue or white logo.

Width

We recommend that the Kredivo logo displayed at your site is between 100-300 px. Note that you should not add px after the size parameter.

Example:

basic

basic-white

kredivo-color

kredivo-white

Download Kredivo logo here.

On your frontpage

When showing the different payment alternatives you offer in your store, display our one and only logo. When hovering over the logo shows details on the payment methods available in your store.

On product level

You will increase the conversion for high value products by showing your consumers that they have the ability to pay in installments. Always use our logotype on product level. The logotype is highly recognisable, even in small sizes. For optimal conversion use our payment method widget.

Marketing Resource

What is Merchant Success?

Kredivo team is here to work together with you to identify and solve problems, support and build a long-term mutual relationship, as well as create collaborative campaigns to increase your revenue.

Our product is your “Sales Enabler”, meaning that Kredivo helps your customer to buy more and more often. In order to see significant results of our product, we strongly encourage you to implement merchant best practice

Why is this important to implement Merchant Best Practices?

  1. Incremental sales takes time and effort. Acquiring customer that is loyal require time and effort. Kredivo is here to facilitate the process through Merchant Best Practice.

  2. Education is crucial. Instant credit financing is not a familiar concept with many consumers. It is important for merchant to educate and create a good consumer flow within the platform.

  3. Sales enabler engine. “Buy now pay later” and “Installment without credit card” is a very strong message for consumptive consumers, allowing them to buy more and more often. Sharing this messages within the platform clearly will help increase sales.

Important Information:

  1. Please send all Kredivo related collateral (newsletter, product promotion, social media posting, banner, FAQ) to successops@finaccel.co prior to posting for approval.
  2. For any merchant related inquiries on customer service and payment information please send it to merchant.help@kredivo.com. (Note: this is for merchant related inquiries not consumers related inquiries, in any circumstances this email shall not be given to consumers).
  3. For any consumer related inquiries on our product, technical and payment please let the consumer send these inquiries to support@kredivo.com or call at 0807-1-573348 (Note: Merchant is able to relay this email and phone number to consumers)

Other Marketing Resources:

Service Level Agreement

This Service Level Agreement (the “SLA”) is a policy governing the use of the Kredivo Checkout, a product of PT FinAccel Teknologi Indonesia (“FinAccel”) and its users (“you”). This SLA applies separately to each account using Kredivo Checkout or any other FinAccel products or services. FinAccel reserves the right to change the terms of this SLA.

Service Commitment

All of FinAccel’s products and services, including Kredivo Checkout, are hosted on Amazon EC2 and Amazon S3. FinAccel will use commercially reasonable efforts to make the Kredivo Checkout available with a Monthly Uptime Percentage (defined below) of at least 99.9% of the time in any calendar month. If it is not, then you may be eligible to receive the Service Discount described below.

Definitions

The following definitions shall apply to the Kredivo Checkout SLA.

Maximum Service Discount: The aggregate maximum amount of Service Discount you can claim for a single calendar month shall not exceed thirty days of billing.

Uptime SLA Exclusions: The SLA does not apply to any performance issues: (i) caused by factors outside of FinAccel’s reasonable control including any force majeure event or Internet access problems beyond the demarcation point of our servers; (ii) that resulted from any actions or inactions of you; or (iii) arising from our suspension and termination of your right to use Kredivo Checkout in accordance with the Kredivo Merchant Agreement.

Response and Resolution Times*

Severity Definition Response Time Resolution Time
Critical Production server or other mission critical system(s) are down and no workaround is immediately available 15 mins 30 mins
- Server Down
- Connection Down
- More than 15% of transaction are not processed by Kredivo due to some technical issues
Major Major functionality is severely impaired 30 mins 60 mins
- Intermittent connection
- Less than 15% of transaction are not processed by Kredivo due to some technical issues
Minor Partial, non-critical loss of functionality 30 mins 120 mins
- Unable to access Kredivo Dashboard
- Refund error
- Missing Merchant logo

*These are response and resolution times between office hours (9 am – 6:30 pm). For response and resolution times on weekends and public holidays, please add another 30-60 minutes.

Environment Setup

Sandbox

Use credentials below to integrate with our sandbox server.

Credential Description
End Point https://sandbox.kredivo.com/kredivo/
Server Key 8tLHIx8V0N6KtnSpS9Nbd6zROFFJH7
Test Account To make transaction you can use below credentials and enter ‘4567’ as the OTP.
Username: 081513114262
Password: 663482
Transaction OTP: 4567

Live

Use credentials below to integrate with our live server. Only transaction comes to this server will be processed by our server.

Credential Description
End Point Please ask support@kredivo.com for live server end point before going live.

System Status

Click here to see Kredivo’s system status