ATM Bersama/Prima/Alto

ATM Bersama/Prima/Alto (Indonesia ATM) is one of the interbank networks in Indonesia, connecting the ATM networks of twenty-one banks. It was established in 1993 and is based on the model adopted by MegaLink, an interbank network in the Philippines. Indonesia ATM encompasses more than 70 members with 17,000 ATMs throughout Indonesia.

Properties

The properties of the Indonesia ATM payment method are shown in the following table:

User experience

Note: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.

The following graphics show the user experience for the Web and WAP terminals.

Web

WAP

1. The user selects Indonesia ATM to pay.
2. The user obtains the payment code and completes the offline payment through ATM.

Integration considerations

The following section outlines integration considerations for various payment types, detailing customized integration solutions and payment method features.

About normalUrl

• When accepting payments from Indonesia ATM, you can choose whether to use normalUrl:

• If choosing not to use normalUrl, you can directly render the codeValue in the API response on the merchant page to display the QR code or payment code, reducing page redirections and improving the payment experience.
• If choosing to use normalUrl, redirect your buyer to the address specified by normalUrl and proceed the payment process as indicated in User experience.

• For Web, WAP, and App terminals, normalUrl is returned in the response of the pay API. The buyer is redirected to the address specified by normalUrl and uses the payment code displayed on the page to proceed with the payment on the offline ATM device. After the payment is completed, the middle page automatically redirects to the merchant result page.
• Different terminal types have specific integration features when returning normalUrl.

• WAP: The returned normalUrl is the payment code and payment operation display page. The buyer copies the payment code and proceeds to the offline ATM based on the payment operation or the screenshot to complete the payment.
• App: The returned normalUrl does not trigger the payment method app. It is recommended that you render the URL page directly within the merchant app and provide payment operation steps to guide buyers to complete the payment.

After payments

• This payment method only supports offline ATM transfers. You need to provide guidance for the buyer to make offline payments.
• This payment method does not support refunds. It is recommended to communicate directly with the buyer offline.
• Obtain the payment result from the payment result notification (notifyPayment) or by making inquiries (inquiryPayment). Handle the redirection and display of the payment result page to avoid duplicate payments.

Default timeout

The QR code returned by Antom will not be refreshed automatically. When displaying the QR code, add the expireTime parameter in the API response to display the timeout time. When displaying the payment code, enable the copy function for the payment code and allow the buyer to conveniently paste the payment code into the payment method app.

Response sample

The following is a code example in the payment response:

{
    "normalUrl": "https://iexpfront-sea-global.alipay.com/payments/method/checkout/code.html?merchantId=188iwOYLsWM%2B3OM5i43oAN6sL7yTti1YlTOEpSbxNsmiew%3D&paymentRequestId=BIMsEKlppOeSKiLMyO926i9jiXn6elCujEZSf3FqRso%3D&clientId=5Y607N2YJU8006726",
    "orderCodeForm": {
        "codeDetails": [
            {
                "codeValue": "8559496925",
                "displayType": "TEXT"
            },
            {
                "codeValue": "https://iexpfront-sea.alipay.com/showQrImage.htm?code=3%252Fk97oupdVD%252ByBP1ou%252BptrQnz131qZWPPOuz5zFYrCDMnxydqNme5ZHaSYcXLIyvc%252FPECD%252BcZQZnPbHUxBDfvw%253D%253D&size=M&sid=188",
                "displayType": "MIDDLEIMAGE"
            }
        ],
        "expireTime": "2024-03-17T04:45:43-07:00"
    },
    "paymentActionForm": "{\"paymentActionFormType\":\"PaymentCodeForm\",\"paymentCodeExpireTime\":1710675943000,\"paymentCodeInfos\":[{\"paymentCodeDetails\":[{\"codeValue\":\"8559496925\",\"codeValueType\":\"DIGICODE\",\"displayType\":\"TEXT\"},{\"codeValue\":\"|010555303610000 0000008559496925 0000008559496925 1000000\",\"codeValueType\":\"QRCODE\",\"displayType\":\"IMAGE\"}],\"paymentCodeInfoType\":\"PAYMENT_CODE\"}]}",
    "paymentAmount": {
        "currency": "IDR",
        "value": "1000000"
    },
    "paymentCreateTime": "2024-03-15T04:45:43-07:00",
    "paymentId": "20240315194010800100188750211668086",
    "paymentRequestId": "PAY_2024031519434212011",
    "redirectActionForm": {
        "method": "GET",
        "redirectUrl": "https://iexpfront-sea-global.alipay.com/payments/method/checkout/code.html?merchantId=188iwOYLsWM%2B3OM5i43oAN6sL7yTti1YlTOEpSbxNsmiew%3D&paymentRequestId=BIMsEKlppOeSKiLMyO926i9jiXn6elCujEZSf3FqRso%3D&clientId=5Y607N2YJU8006726"
    },
    "result": {
        "resultCode": "PAYMENT_IN_PROCESS",
        "resultMessage": "payment in process",
        "resultStatus": "U"
    }
}