Paydia SNAP

Overview

Paydia Indonesia is a technology financial company, which builds a financial services platform that can be used by all people in Indonesia. Currently, Paydia is providing several ways for merchant can be integrated with Paydia, one of the way is by integrating with Paydia SNAP API. SNAP (Standar Nasional Open API Pembayaran) is the standardize Open API that initiated by Bank Indonesia that focus to build a healthy, competitive, and innovative financial industry.

What's new

No	Date	Version	Remarks	Page
1	January 12, 2026	4.2.1	Added validUpTo parameter to set expiration date time of the payment for Direct Debit Payment API	SNAP Service - Direct Debit SNAP API - Direct Debit Payment SNAP API - Direct Debit Payment Notify
2	September 18, 2025	4.2.0	Added amount for all service type Added additionalInfo originalTransactionReferenceNo, feeAmount and tipsAmount	SNAP Service - Direct Debit SNAP API - Direct Debit Payment Notify
3	September 10, 2025	4.1.0	Added additionalInfo.productCode (All Sub API Service) Added additionalInfo.feeAmount (Customer Topup, Topup Inquiry Status) Added feeAmount (Customer Topup Notify) Added latestTransactionStatus and transactionStatusDesc (Customer Topup) Added additionalInfo.originalTransactionReferenceNo (Topup Inquiry Status) Added originalTransactionReferenceNo (Customer Topup Notify)	SNAP Service - Customer Topup SNAP API - Account Inquiry Customer Topup SNAP API - Customer Topup SNAP API - Topup Inquiry Status SNAP API - Customer Topup Notify
4	August 01, 2025	4.0.0	Detailing response do not honor account creation Remove unused API Documentation Update Documentation for Transaction History User Add Callback Topup Notify Add Menu Payment Channel	SNAP API - Account Creation Data Model - Transaction History SNAP API - Customer Topup Notify (Non SNAP) Payment Channel - E-Money Provider
5	May 02, 2025	3.1.0	Add Documentation for Transaction History User	SNAP API - Transaction History Data Model - Transaction History
6	April 24, 2025	3.0.0	Revamp Layout Documentation	All Pages
7	February 14, 2025	2.5.0	Update Mandatory Payload Add Sample Signature Code Remove Unused Page	SNAP API - Account Creation SNAP Intoduction - SNAP Signature
8	December 05, 2024	2.4.0	Account Binding & Unbinding	SNAP Service - Account Binding & Unbinding SNAP API - Account Creation SNAP API - Generate OAuth 2.0 URL SNAP API - Get OAuth URL
9	October 10, 2024	2.3.0	Customer Topup Transfer to Bank Virtual Account	SNAP Service - Customer Topup SNAP API - Account Inquiry Customer Topup SNAP Service - Transfer to Bank SNAP API - Account Inquiry Transfer Bank SNAP API - Transfer to Bank SNAP Service - Virtual Account SNAP API - Create VA SNAP API - Delete VA SNAP API - Inquiry Status VA SNAP API - Callback VA (Non SNAP) Data Model - Virtual Account
10	September 06, 2024	2.2.0	QRIS MPM (Issuer) Direct Debit	SNAP Service - QRIS MPM (Issuer) SNAP API - Decode QR MPM SNAP API - Payment QR MPM SNAP API - Query Payment SNAP API - Direct Debit Payment SNAP ENUM - serviceType SNAP ENUM - servicescenario
11	August 20, 2024	2.1.0	Auth Payment	SNAP Service - Auth Payment SNAP API - Auth Payment SNAP API - Capture SNAP API - Capture Query SNAP API - Payment Query SNAP API - Refund - Auth Payment SNAP API - Void SNAP API - Void Query
12	August 01, 2024	2.0.0	Revamp Documentation	All Pages
13	June 20, 2023	1.3.0	Transfer to Bank	SNAP Service - Transfer to Bank SNAP API - Account Inquiry Transfer Bank SNAP API - Transfer to Bank SNAP API - Transaction History SNAP API - Transfer Status
14	May 10, 2023	1.3.0	Removed B2B ACCESS TOKEN in Digital Signature Generation Removed General Response Code section	SNAP Service - Account Binding & Unbinding SNAP Service - Authorization Token Request SNAP Service - Balance Inquiry SNAP Service - Direct Debit SNAP Service - QRIS MPM (Acquirer) SNAP Service - Transaction History
15	April 27, 2023	1.2.0	Transaction History	SNAP Service - Transaction History SNAP API - Transaction History Data Model - Transaction History
16	April 26, 2023	1.1.1	Balance Inquiry	SNAP Service - Balance Inquiry SNAP API - Balance Inquiry
17	November 04, 2022	1.1.0	Account Linkage	Everything related to Account Linkage
18	October 20, 2022	1.0.0	Initial Release	All Pages

Quick start

The following are the list of step that you should take:

1. Select the service you would like to integrate. Please see SNAP Service for a list of services provided by Paydia.
2. Grab client id, client secret and merchant_id.
3. Understand signature creation and generation. Please read SNAP Signature. There are 2 signature provided, Asymmetric and Symmetric.
4. Follow the instruction to call the API which related to the each service.
5. Client need to set timeout to Paydia each service for >60 seconds
6. Check periodically the latest document to see the updated of Paydia SNAP API.
7. Please contact [email protected] to add, change or delete Public key on Production server.

Environment

The following are the list of environment that you can use to test the API:

• Sandbox: https://api.paydia.co.id
• Production: https://api.paydia.id