> For the complete documentation index, see [llms.txt](https://docs.coda.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.coda.co/codapay/direct-api-integration/direct-api-integration-for-alternative-payment-methods/backend-call-flow/bank-transfer.md).

# Bank Transfer

## Bank Transfer Call Flow

Customers can complete their payment via bank transfer using an ATM, a bank counter, or online banking. Partners receive a unique payment code in the profile field, which the customer must enter when providing the bank transfer details.

<figure><img src="/files/kZnwHGYhC2Nt2Hj8rT4c" alt=""><figcaption></figcaption></figure>

## Request Message

<table><thead><tr><th width="148">Parameters</th><th width="95">Type</th><th width="116">Length</th><th>Description</th></tr></thead><tbody><tr><td>api_key</td><td>String</td><td>256</td><td><strong>Mandatory</strong><br>API key provided by Coda. Refer to <a data-mention href="/pages/SJ2KtFdcmUYgMDiplZT1">/pages/SJ2KtFdcmUYgMDiplZT1</a> to find out how to get it.</td></tr><tr><td>project_id</td><td>String</td><td>10</td><td><p>*<strong>This field is only needed for v2.0 API</strong></p><p><strong>Mandatory</strong> </p><p>Project ID provided by Coda, unique for each title product. Refer to <a data-mention href="/pages/SJ2KtFdcmUYgMDiplZT1">/pages/SJ2KtFdcmUYgMDiplZT1</a> to find out how to get it.</p></td></tr><tr><td>order_id</td><td>String</td><td>64</td><td><p><strong>Mandatory</strong> </p><p>Your unique identifier for the transaction</p></td></tr><tr><td>country</td><td>Number</td><td>N/A</td><td><strong>Mandatory</strong><br>ISO 3166 based country code. Can refer to <a data-mention href="/pages/7B3qZnefeSwkSs84sKuB">/pages/7B3qZnefeSwkSs84sKuB</a></td></tr><tr><td>lang</td><td>String</td><td>2</td><td><p><strong>Mandatory</strong></p><p>2-character language code. See <a data-mention href="/pages/lumiE4ZV7er3NqdusLTc">/pages/lumiE4ZV7er3NqdusLTc</a>for options.</p></td></tr><tr><td>type</td><td>Number</td><td>1</td><td>1: Digital content,<br>2: Non-digital content</td></tr><tr><td>pay_type</td><td>Number</td><td>1</td><td><p><strong>Mandatory</strong></p><p>Bank Transfer use pay_type=2.</p><p></p><p>Refer <a data-mention href="/pages/H5smNhrW5H8UuJgvQJ6Y">/pages/H5smNhrW5H8UuJgvQJ6Y</a> for more details</p></td></tr><tr><td>pay_channel</td><td>Number</td><td>3</td><td><strong>Mandatory</strong><br>Code for each payment channel.</td></tr><tr><td>pay_at</td><td>Number</td><td>2</td><td><p>This field refers to where the customer should complete their purchase.</p><p></p><p>1 = Bank Counter</p><p>2 = Internet Banking</p><p>3 = Online Bill Payment</p><p>4 = E-wallet</p><p>5 = ATM</p><p>14 = Convenience Store</p></td></tr><tr><td>msisdn</td><td>Number</td><td>15</td><td><p><strong>Optional</strong></p><p>MSISDN (non-formatted; without country code).<br><br>Only include this if MSISDN is required and not email.</p></td></tr><tr><td>email</td><td>String</td><td>128</td><td><p><strong>Optional</strong></p><p>Only include this if email is required and not MSISDN.</p></td></tr><tr><td>merchant_name</td><td>String</td><td>128</td><td><p><strong>Optional</strong></p><p>If the partner wants to specify the partner's name, please enter the name in this field.<br></p><p>The default value is empty.</p></td></tr><tr><td>type</td><td>Number</td><td>1</td><td><p>Mandatory<br>1: digital content</p><p>2: non-digital content</p></td></tr><tr><td>items</td><td>ItemInfo</td><td>N/A</td><td><p><strong>Mandatory</strong></p><p>List of items being purchased by the users</p></td></tr><tr><td>items[].code</td><td>String</td><td>128</td><td><p><strong>Mandatory</strong></p><p>Code associated with the item on your side</p></td></tr><tr><td>items[].name</td><td>String</td><td>128</td><td><strong>Mandatory</strong> Name of the item being purchased. Only supports latin characters.</td></tr><tr><td>items[].price</td><td>Number</td><td>N/A</td><td><strong>Mandatory</strong><br>Price of the item inclusive of any taxes in the currency specified in the request.</td></tr><tr><td>profile</td><td>Map</td><td>N/A</td><td><strong>Mandatory</strong><br>Refer Profile Info below for more details</td></tr></tbody></table>

## Profile Info

<table data-full-width="false"><thead><tr><th width="157">Parameters</th><th width="94">Type</th><th width="116">Length</th><th>Description</th></tr></thead><tbody><tr><td>name</td><td>String</td><td>128</td><td><p><strong>Optional</strong></p><p>Customer's Name.</p></td></tr><tr><td>user_id</td><td>String</td><td>128</td><td><p><strong>Mandatory</strong></p><p>Customer's user ID.</p></td></tr><tr><td>client_ip</td><td>String</td><td>15</td><td><p><strong>Optional</strong></p><p>Customer IP Address. (only support IPv4)</p></td></tr><tr><td>id_no</td><td>Number</td><td>14</td><td><strong>Optional</strong><br>The Brazilian/Mexican/Argentinian Identification Document is called the CPF.</td></tr><tr><td>email</td><td>String</td><td></td><td><p><strong>Optional</strong></p><p>The email address where the successful transaction receipt will be sent. Upon a successful payment, Coda will automatically deliver a digital receipt to this address. <em>This feature is not enabled by default. To activate automated receipt delivery for your titles, please contact the payment enablement team at</em> <a href="mailto:codapay_integration@coda.co"><em>codapay_integration@coda.co</em></a><em>.</em><br></p><p><em>Receipt example:</em> <img src="/files/VpemzyLCFf0d472Nomf0" alt=""></p></td></tr></tbody></table>

### Sample Request

There are a few requests below, for example:

i. With **MSISDN** - Indonesia (BCA ATM)\
ii. With **EMail** - Bank Transfer Turkey\
iii. With **Pay\_AT** - Bank (Brazil - PIX)

### v2.0 Request

{% tabs %}
{% tab title="General with MSISDN" %}

```json
{
  "project_id": "1", //This field is only needed for v2.0 API
  "country": "360",
  "api_key": "test_e944d44f065eade8157737385a09",
  "order_id": "12345",
  "lang": "en",
  "merchant_name": "Codapay",
  "type": "1",
  "pay_type": "2",
  "pay_channel": "9",
  "pay_at": "5",
  "msisdn": "<Your Number>",
  "items": [
    {
      "code": "1",
      "name": "Test Item",
      "price": 11000.0
    }
  ],
  "profile": {
    "name": "Test Name",
    "user_id": "12345"

  }
}
```

{% endtab %}

{% tab title="With e-mail" %}

```json
{
  "project_id": "1", //This field is only needed for v2.0 API
  "country": "360",
  "api_key": "test_e944d44f065eade8157737385a09",
  "order_id": "12345",
  "lang": "en",
  "merchant_name": "Codapay",
  "type": "1",
  "pay_type": "2",
  "pay_channel": "9",
  "email": "test@codapayments.com",
  "items": [
    {
      "code": "1",
      "name": "Test Item",
      "price": 11000.0
    }
  ],
  "profile": {
    "name": "Test Name",
    "user_id": "12345"

  }
}
```

{% endtab %}

{% tab title="With pay\_at" %}

```json
{
  "project_id": "1", //This field is only needed for v2.0 API
  "country": "360",
  "api_key": "test_e944d44f065eade8157737385a09",
  "order_id": "12345",
  "lang": "en",
  "merchant_name": "Codapay",
  "type": "1",
  "pay_type": "2",
  "pay_channel": "9",
  "email": "test@codapayments.com",
  "items": [
    {
      "code": "1",
      "name": "Test Item",
      "price": 11000.0
    }
  ],
  "profile": {
    "name": "Test Name",
    "user_id": "12345"

  }
}
```

{% endtab %}
{% endtabs %}

### v1.0 Request

{% tabs %}
{% tab title="General with MSISDN" %}

```json
{
    "api_key":"<YOUR API KEY>",
    "order_id":"<Your OrderID>",
    "lang":"en",
    "merchant_name":"Codapay",
    "pay_type":"2",
    "pay_channel":"1",
    "type":"1", 
    "msisdn":"<Your Number>",
    "items":[{
        "code":"456789",
        "name":"Test Item",
        "price":100000.00
    }],
    "profile":{
          "name":"12345"}

}
```

{% endtab %}

{% tab title="With e-mail" %}

```json
{
    "api_key": "<YOUR API KEY>",
    "order_id": "<Your OrderID>",
    "lang": "tr",
    "merchant_name": "Codapay",
    "pay_type": "2", 
    "pay_channel": "-86",
    "type": "1",
    "email": "test@codapayments.com",

    "items": [
        {
            "code": "1",
            "name": "Test Item",
            "price": 3
        }
    ],
    "profile":{
            "user_id":"12345"}
}
```

{% endtab %}

{% tab title="With pay\_at" %}

```json
{
    "api_key":"<YOUR API KEY>",
    "order_id":"<Your OrderID>",
    "lang":"en",
    "merchant_name":"Codapay",
    "pay_type":"2",
    "pay_channel":"153",
    "type":"1",
    "pay_at":"5",
    "email":"test@codapayments.com",

    "items":[{
           "code":"1",
           "name":"Test Item",
           "price":3.0}],

    "profile":{
           "name":"Test Name",
           "id_no":"12345",
           "dateofbirth":"",
           "user_id":"12345",
           }
}
```

{% endtab %}
{% endtabs %}

## Response Message

<table data-full-width="false"><thead><tr><th width="182">Parameters</th><th width="127">Type</th><th width="90.33333333333331">Length</th><th>Description</th></tr></thead><tbody><tr><td>txn_id</td><td>Number</td><td>N/A</td><td>Unique payment transaction identifier.</td></tr><tr><td>txn_timeout</td><td>Number</td><td>N/A</td><td>Transaction Timeout in Minutes.</td></tr><tr><td>result_code</td><td>Number</td><td>N/A</td><td><p>Success or Error code. Success = 0.</p><p></p><p>Error Code list please refer to <a data-mention href="/pages/Ijfanb3Eb2mtXRsbF81n">/pages/Ijfanb3Eb2mtXRsbF81n</a></p></td></tr><tr><td>result_desc</td><td>String</td><td>512</td><td>If the resultCode is an error, this value describes the error.<br><a data-mention href="/pages/Ijfanb3Eb2mtXRsbF81n">/pages/Ijfanb3Eb2mtXRsbF81n</a></td></tr><tr><td>total_price</td><td>Number</td><td>N/A</td><td>The total amount the user has paid for the transaction. This will always be in local currency.</td></tr><tr><td>pay_instructions</td><td>String</td><td>15</td><td>If this value is populated, the partner should display the instructions provided on screen to the customer.</td></tr><tr><td>profile</td><td>Object</td><td>N/A</td><td>Refer the Profile info below for more details</td></tr></tbody></table>

## Profile Info

<table data-full-width="false"><thead><tr><th width="154">Parameters</th><th width="96">Type</th><th width="76.33333333333331">Length</th><th>Description</th></tr></thead><tbody><tr><td>extInfoByte</td><td>Number</td><td>N/A</td><td>This is for Coda internal reference, please ignore this field.</td></tr><tr><td>paymentCode</td><td>Number</td><td>N/A</td><td>A code generated by payment channel.</td></tr><tr><td>name</td><td>String</td><td>128</td><td>Customer's Name.</td></tr><tr><td>redirect_url</td><td>String</td><td>N/A</td><td>The payment gateway's redirect URL is returned only if the selected payment channel follows a redirect URL workflow.</td></tr></tbody></table>

### Sample Response

{% tabs %}
{% tab title="General with MSISDN" %}

```json
{
    "txn_id": <transaction id>,
    "txn_timeout": 1509,
    "result_code": 0,
    "total_price": 100000.0,
    "pay_instructions": "To complete the purchase by following the provided instruction, Enter the payment code 1900800000828075. Leave the transaction reference blank. Enter the payment amount if needed, your total purchase amount is Rp. 100.000. For more detailed instruction on how to pay, please refer to the payment link.",
   
    "profile": {
        "extInfoByte": "0",
        "paymentCode": "1900800000828075",
        "name": "test in Coda",
        "redirect_url": "https://sample_URL.com",
        "payment_code": "1900800000828075"
    }
}
```

{% endtab %}

{% tab title="With e-mail" %}

```json
{
    "txn_id": 1234567890,
    "txn_timeout": 35,
    "result_code": 0,
    "result_desc": null,
    "total_price": 3,
    "pay_instructions": "",

    "profile": {
        "extInfoByte": "0",
        "user_id":"12345",
        "redirect_url": "https:/sample_url.com",
        "payment_code": ""
    }
}
```

{% endtab %}

{% tab title="With pay\_at" %}

```json
{
  "txn_id":"1234567890",
  "txn_timeout":7209,
  "result_code":431,
  "result_desc":"generic sub header",
  "total_price":3,
  "pay_instructions":"",

  "profile":{
        "zip":"12302",
        "extInfoByte":"1",
        "dateofbirth":"",
        "device_id":"5646e134-3300-4073-8f51-16431857eee0",
        "tax":"10","tax_rate":"10",
        "house_number_or_name":"10",
        "billing_street":"Main Street",
        "billing_city":"New York",
        "id_no":"88899988811",
        "user_id":"Testuser327",
        "name":"Yosep Joestar",
        "billing_address_line_2":"", 
        "state":"NY",
        "redirect_url":"https://sample_url.com",
        "payment_code":""}
}
```

{% endtab %}
{% endtabs %}

{% hint style="warning" %} <mark style="color:orange;">**Reference of USD Transactions**</mark>

Please check out this [guide ](/codapay/direct-api-integration/direct-api-integration-for-alternative-payment-methods/initiate-usd-transactions.md)to learn more about USD transactions.
{% endhint %}


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