Payment Methods

All payments are created through PaymentService.create_charge(). Each payment method returns different response data.

Credit Card (3DS)

Credit card payments require client-side tokenization using the Midtrans JavaScript SDK before sending to the backend.

Frontend: Tokenize Card

<script src="https://api.sandbox.midtrans.com/v2/assets/js/midtrans-new-3ds.min.js"></script>
<script>
// Get card token from Midtrans
MidtransNew3ds.getCardToken({
    card_number: '4811111111111114',
    card_exp_month: '12',
    card_exp_year: '2028',
    card_cvv: '123',
    client_key: 'SB-Mid-client-xxxx'  // Your client key
}, {
    onSuccess: function(response) {
        // Send response.token_id to your backend
        chargeWithToken(response.token_id);
    },
    onFailure: function(response) {
        console.error('Tokenization failed:', response);
    }
});
</script>

Backend: Create Charge

from django_midtrans.services import PaymentService

service = PaymentService()
payment = service.create_charge(
    payment_type="credit_card",
    gross_amount=100000,
    order_id="CC-001",
    token_id="521111-1117-abc123-token",  # From frontend
    customer_details={
        "first_name": "John",
        "last_name": "Doe",
        "email": "john@example.com",
        "phone": "081234567890",
    },
    item_details=[
        {"id": "ITEM-1", "name": "Product", "price": 100000, "quantity": 1},
    ],
)

Response Fields

Field	Description
payment.redirect_url	3DS authentication URL (if 3DS is required)
payment.transaction_status	"capture" (direct) or "pending" (needs 3DS)

3DS Authentication Flow

If payment.redirect_url is set, the customer needs to complete 3DS:

MidtransNew3ds.authenticate(payment.redirect_url, {
    performAuthentication: function(redirect_url) {
        // Open 3DS page in iframe
        document.getElementById('3ds-iframe').src = redirect_url;
    },
    onSuccess: function(response) {
        // Payment successful
    },
    onFailure: function(response) {
        // Authentication failed
    },
    onPending: function(response) {
        // Still processing
    }
});

Sandbox Test Cards

Card Number	Scenario
4811 1111 1111 1114	3DS Success
4511 1111 1111 1117	3DS Challenge (OTP: 112233)
4211 1111 1111 1110	Non-3DS Success
4911 1111 1111 1113	Fraud Denied

---

Bank Transfer (Virtual Account)

Generates a Virtual Account number for the customer to transfer to.

Supported Banks

Bank	Code	Description
BCA	bca	BCA Virtual Account
BNI	bni	BNI Virtual Account
BRI	bri	BRI Virtual Account
Permata	permata	Permata Virtual Account
CIMB	cimb	CIMB Niaga Virtual Account

Create Charge

payment = service.create_charge(
    payment_type="bank_transfer",
    gross_amount=200000,
    order_id="VA-001",
    bank="bca",
    customer_details={
        "first_name": "John",
        "last_name": "Doe",
        "email": "john@example.com",
        "phone": "081234567890",
    },
)

print(payment.va_number)          # "1234567890123456"
print(payment.bank)               # "bca"
print(payment.transaction_status) # "pending"
print(payment.expiry_time)        # When VA expires

Response Fields

Field	Description
payment.va_number	Virtual Account number for customer to pay
payment.bank	Bank code
payment.expiry_time	When the VA expires

---

Mandiri Bill Payment (E-Channel)

Uses Mandiri’s biller code + bill key system.

payment = service.create_charge(
    payment_type="echannel",
    gross_amount=150000,
    order_id="MANDIRI-001",
    customer_details={...},
)

print(payment.bill_key)     # "12345678"
print(payment.biller_code)  # "70012"

Response Fields

Field	Description
payment.bill_key	Mandiri bill key for payment
payment.biller_code	Mandiri biller code

---

E-Wallets

GoPay

payment = service.create_charge(
    payment_type="gopay",
    gross_amount=50000,
    order_id="GOPAY-001",
    customer_details={...},
)

print(payment.deeplink_url)  # Opens GoPay app
print(payment.qr_string)     # Raw QR data

ShopeePay

payment = service.create_charge(
    payment_type="shopeepay",
    gross_amount=50000,
    order_id="SPAY-001",
    customer_details={...},
)

# payment.redirect_url → Redirects to ShopeePay app/page

DANA

payment = service.create_charge(
    payment_type="dana",
    gross_amount=50000,
    order_id="DANA-001",
    customer_details={...},
)

# payment.redirect_url → Redirects to DANA app/page

Response Fields (E-Wallets)

Field	Description
payment.deeplink_url	Deep link to open e-wallet app (GoPay)
payment.redirect_url	Redirect URL for web-based checkout (ShopeePay, DANA)
payment.qr_string	Raw QR code data string

---

QRIS

Universal QR code payment accepted by all QRIS-compatible e-wallets.

payment = service.create_charge(
    payment_type="qris",
    gross_amount=75000,
    order_id="QRIS-001",
    customer_details={...},
)

qr_image_url = None
for action in payment.charge_response.get("actions", []):
    if action.get("name") == "generate-qr-code":
        qr_image_url = action["url"]
        break

qr_string = payment.charge_response.get("qr_string", "")

Response Fields

Field	Description
charge_response["actions"]	Contains QR image URL
charge_response["qr_string"]	Raw EMV QR string for rendering

---

Convenience Store

Over-the-counter payment at retail stores.

Supported Stores

Store	Code
Indomaret	indomaret
Alfamart	alfamart

Create Charge

payment = service.create_charge(
    payment_type="cstore",
    gross_amount=100000,
    order_id="CSTORE-001",
    store="indomaret",
    customer_details={...},
)

print(payment.payment_code)  # Show this code at the counter

Response Fields

Field	Description
payment.payment_code	Payment code to show at the counter
charge_response["merchant_id"]	Merchant ID (for Indomaret)
charge_response["store"]	Store name

---

Pay Later

Akulaku

payment = service.create_charge(
    payment_type="akulaku",
    gross_amount=500000,
    order_id="AKULAKU-001",
    customer_details={...},
)

# payment.redirect_url → Redirects to Akulaku installment page

---

Payment Operations

After creating a payment, you can perform these operations:

Check Status

payment = service.get_status("ORDER-001")
print(payment.transaction_status)  # "settlement", "pending", etc.

Cancel Payment

payment = service.cancel_payment("ORDER-001")

Expire Payment

payment = service.expire_payment("ORDER-001")

Refund Payment

refund = service.refund_payment(
    order_id="ORDER-001",
    amount=50000,             # Partial refund
    reason="Customer request",
)

Capture Payment (Credit Card)

For pre-authorized credit card transactions:

payment = service.capture_payment(
    transaction_id="abc-123-def",
    gross_amount=100000,
)