enabling online payment using veritrans (desember 2015)

Payment Gateway Integration

Adam Pahlevi Baihaqi

Click to edit Master text styles 2 Tentang pembicara 2

• Nama: Adam Pahlevi Baihaqi • Bahasa kesukaan: Ruby, Clojure • Open sources project: BALI, World Airports, Jsoning, Grape::Routes, Condensable, Assignbot, Urbans, Remexify, ccjs, etc.

• Contributed: ransack, carrierwave, refinerycms, acLveadmin, etc.

• email: adam.pahlevi@{gmail.com, veritrans.co.id}

Click to edit Master text styles 3 Also the most innocent 3

Click to edit Master text styles 4 Apa itu Payment Gateway 4

• Payment Gateway adalah sistem untuk menerima pembayaran, keLka melakukan transaksi online.

• Contoh payment gateway: – Luar negeri: PayPal – Dalam negeri: Veritrans, Doku, ipay88, Kartuku

Click to edit Master text styles 5 Tentang Veritrans 5

•  It has Japanese branch • Di Indonesia, ada cabang di Jakarta dan Bandung • e-‐Commerce Enablement Company • Primary focus today is Payment Gateway

Click to edit Master text styles 6 Why Veritrans? 6

• Seamless integraLon: plugins are available for Ruby, PHP, and other PHP-‐based meta-‐frameworks such as Magento

• Dokumentasi accessible • Easy-‐to-‐use Merchant Admin Portal (MAP) • One email two accounts: Sandbox and ProducLon! (and, switchable!)

• MulL-‐accounts per Merchant, with Role • SubjecLve: excellent customer service

Click to edit Master text styles 7 Payment Channel 7

• Kartu kredit dengan acquirer BNI, BCA, CIMB dan MANDIRI. Issuer, any: Visa, MasterCard, JCB, UnionPay.

• Bank Transfer: BCA VA, Permata VA. •  Internet Banking: Mandiri (Bill, E-‐CASH), BRI e-‐PAY, Klik BCA. • e-‐Wallet: Telkomsel Cash, XL. • Convenient store: Indomaret.

IntegraLon

Click to edit Master text styles 9 3 Moda Integrasi 9

• VT-‐LINK • VT-‐WEB • VT-‐DIRECT

Click to edit Master text styles 10 3 Moda Integrasi 10

Click to edit Master text styles 11 VT-‐LINK 11

• Cocok untuk usaha online lewat Facebook, Instagram, atau pembayaran cepat lain.

• Studi kasus: Garuda menggunakan VT-‐LINK untuk corporate clients mereka.

• Tidak perlu programming.

Click to edit Master text styles 12 VT-‐WEB 12

• Perlu coding: PHP, JavaScript, Ruby, Java, bahasa apapun dengan package HTTP, bisa.

• Menggunakan REST dan JSON • Checkout dilakukan di situs Veritrans • Lebih mudah daripada VT-‐DIRECT, karena:

– Layout sudah tersedia untuk web browser desktop, ataupun smartphone.

• GraLs, tak ada biaya per bulan, selain daripada biaya per transaksi.

Click to edit Master text styles 13 VT-‐DIRECT 13

• Direct: lebih low-‐level daripada VT-‐WEB • Checkout di implementasikan di situs sendiri • Sangat teknikal • Fixed biaya pemakaian 2 juta per bulan, apart dari biaya transaksi

Demonstrasi VT-‐LINK

Let’s have a quick VT-‐Direct and VT-‐Web demo!

Let’s talk API the basic of VT-‐WEB and VT-‐DIRECT

Click to edit Master text styles 17 API Endpoint 17

• API memiliki dua basis URL: – Development URL: api.sandbox.veritrans.co.id/v2 – ProducLon URL: api.veritrans.co.id/v2

• Pada dasarnya, semua api menggunakan “/charge” untuk checkout, baik untuk VT-‐WEB atau VT-‐DIRECT

• Tersedia API untuk melakukan approve, cancel, expire transaksi. Juga unutk mengecek status transaksi.

Click to edit Master text styles 18 API Body 18

• Headers: – AuthorizaLon: Basic <Base64 serverkey> – Accept: applicaLon/json – Content-‐Type: applicaLon/json – User-‐Agent: NamaMerchant

• Method: POST • URL: base/charge • Body: parameter-‐paramater charging

Click to edit Master text styles 19 Plugins 19

• Veritrans memiliki plugin: – Ruby – iOS – Android – PHP

•  Jika menggunakan plugin, Lnggal set Client Key, Server Key, lalu panggil “Charge” dan passed in parameter-‐paremeter nya.

Click to edit Master text styles 20 Plugins 20

• Veritrans memiliki plugin: – Ruby – iOS – Android – PHP

•  Jika menggunakan plugin, Lnggal set Client Key, Server Key, lalu panggil “Charge” dan passed in parameter-‐paremeter nya.

Charging Parameters

Click to edit Master text styles 22 Charging Parameters 101 (1) 22

• Harus ada: payment_type • Harus ada: transacLon_details

– order_id – gross_amount

• OpLonal: item_details: – id – name – quanLty – price


• OpLonal: customer_details – first_name – last_name – email – phone – billing_address dan juga shipping_address

• first_name • last_name • phone

Click to edit Master text styles 25 Charging Parameters 101 (3) -‐> Contoh 25

"customer_details": { "first_name": "Adam", "last_name": "Pahlevi", "email": "[email protected]", "phone": "085618921905", "billing_address": { "first_name": "Adam", "last_name": "Pahlevi", "phone": "085618921905" }, "shipping_address": { "first_name": "Adam", "last_name": "Pahlevi", "phone": "085618921905" } } }

{ “payment_type”: “VTWEB”, "transacLon_details": { "order_id": 13, "gross_amount": 112200 }, "item_details": [ { "id": 2, "price": 112200, "quanLty": 1, "name": "Bumi Manusia" } ],

Perbedaan API: VT-‐Direct vs VT-‐Web

Click to edit Master text styles 27 Perbedaan API: VT-‐DIRECT vs VT-‐WEB 27

•  VT-‐WEB – payment_type: “VTWEB”

•  VT-‐DIRECT – payment_type tergantung jenis payment

• Credit Card: credit_card • CIMB clicks: cimb_clicks • Telkomsel T-‐CASH: telkomsel_cash

– charging params biasanya memiliki modifikasi • Credit Card: perlu token_id • Telkomsel Cash: promo, is_reversal, customer

Diving the Code

Terima kasih