Bank Negara Indonesia (BNI), founded in 1946, is one of Indonesia’s major state-owned banks. Headquartered in Jakarta, BNI provides a comprehensive range of banking services including retail and corporate banking, international trade finance, digital banking, and Sharia-compliant products. With a widespread branch network and digital platforms like BNI Mobile Banking and BNI Internet Banking, the bank plays a crucial role in supporting financial inclusion, facilitating domestic and international transactions, and driving Indonesia’s economic development.

Payment method properties


Markets (consumer)	`ID`
Processing currencies	`IDR`
Consumer currencies	`IDR`
Authentication methods	`REDIRECT`
Authentication timeout	6 hours
Minimum payment amount	IDR 10,000.00
Maximum payment amount	For non-KYC users: IDR 2,000,000.00 For KYC users: IDR 10,000,000.00
Payment instrument	`PASSTHROUGH_WALLET`
Recurring payments	No
Separate captures	No
Refund	No
Refund validity	N/A
Disputes	No
Settlement risk	No

Make a BNI payment

BNI payments follow our standardized REDIRECT payment flow. Enabling you to offer a seamless desktop experience. We recommend including all relevant settings for any authentication methods you support.

To create a BNI payment, you'll need to provide the following data at minimum when calling our payment charges endpoint:

Field	Description
`paymentMethod`	`BNI`
`amount.value`	The amount to be paid in the smallest units of the currency used.
`amount.currency`	`IDR`
`consumer.name`	Full name of the consumer.
`consumer.country`	The country of residence of the consumer.
`consumer.email`	The consumer’s email address
`consumer.phone`	The consumer phone number.
`order.shippingAddress.street`	The street name and number of the address.
`order.shippingAddress.postalCode`	The address postal code.
`order.shippingAddress.city`	The address city.
`order.shippingAddress.country`	The address region.
`order.orderItems.name`	The order item name.
`order.orderItems.quantity`	The order item quantity.
`order.orderItems.amount`	The amount to pay for each individual item in the payment charge currency's smallest unit.
authenticationSettings: REDIRECT `settings.returnUrl`	Specify the URL to which the consumer should be redirected after completing the payment. This is required for the `REDIRECT` payment flow.

Request

POST /v1/payment-charges

{
    "paymentMethod": "BNI",
    "amount": {
        "value": 1000000,
        "currency": "IDR"
    },
    "consumer": {
        "name": "John Smith",
        "country": "ID",
        "email": "[email protected]",
        "phone": "123456789"
    },
    "order": {
        "shippingAddress": {
            "street": "Jl. Jendral Sudirman No. 45",
            "postalCode": "12190",
            "city": "Jakarta Selatan",
            "country": "ID"
        },
        "orderItems": [
            {
                "name": "Product Name 1",
                "quantity": 1,
                "amount": 1000000
            }
        ]
    },
    "authenticationSettings": [
        {
            "type": "REDIRECT",
            "settings": {
                "returnUrl": "https://www.webshop.com/order-results-page"
            }
        }
    ]
}

Response

You'll receive our standard payment charge response with the available authentication methods:

{
    "id": "charge_KPAMKcA4skcgEPQVRDWwd",
    "paymentMethod": "BNI",
    "paymentMedium": "ECOMMERCE",
    "scheduleType": "UNSCHEDULED",
    "instrumentId": "instr_JNwgE5iMRazO0nYFBzu2L",
    "currency": "IDR",
    "country": "ID",
    "status": "AUTHENTICATION_PENDING",
    "consumer": {
        "name": "John Smith",
        "email": "[email protected]",
        "phone": "123456789",
        "country": "ID"
    },
    "order": {
        "orderItems": [
            {
                "name": "Product Name 1",
                "quantity": 1,
                "amount": 1000000
            }
        ],
        "shippingAddress": {
            "street": "Jl. Jendral Sudirman No. 45",
            "postalCode": "12190",
            "city": "Jakarta Selatan",
            "country": "ID"
        },
        "industryData": []
    },
    "authenticationMethods": [
        {
            "details": {
                "requestUrl": "https://redirection-target.ppro.com",
                "requestMethod": "POST"
            },
            "type": "REDIRECT"
        }
    ],
    "authorizations": [
        {
            "id": "authz_i7JJJ9PBwnfORU9S7QWul",
            "amount": 1000000,
            "status": "AUTHENTICATION_PENDING",
            "createdAt": "2025-08-29T12:42:44.600Z",
            "updatedAt": "2025-08-29T12:42:44.600Z"
        }
    ],
    "captures": [],
    "refunds": [],
    "discards": [],
    "voids": [],
    "createdAt": "2025-08-29T12:42:44.403Z",
    "updatedAt": "2025-08-29T12:42:44.600Z",
    
    "_links": {
        "authorizations": {
            "href": "/v1/payment-charges/charge_KPAMKcA4skcgEPQVRDWwd/authorizations"
        },
        "captures": {
            "href": "/v1/payment-charges/charge_KPAMKcA4skcgEPQVRDWwd/captures"
        },
        "refunds": {
            "href": "/v1/payment-charges/charge_KPAMKcA4skcgEPQVRDWwd/refunds"
        },
        "discards": {
            "href": "/v1/payment-charges/charge_KPAMKcA4skcgEPQVRDWwd/discards"
        },
        "voids": {
            "href": "/v1/payment-charges/charge_KPAMKcA4skcgEPQVRDWwd/voids"
        }
    }
}

Pick the desired authentication method

REDIRECT

Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
The consumer will be presented with the reference number and instructions to complete the payment.

Handling the payment result

REDIRECT

After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

Payment instrument

A PASSTHROUGH_WALLET instrument will be created for BNI, with no additional data provided.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{
    "id": "instr_JNwgE5iMRazO0nYFBzu2L",
    "type": "PASSTHROUGH_WALLET"
}

Payment method properties

Make a BNI payment

Request

Response

Pick the desired authentication method

Handling the payment result

Payment instrument

Request

Response

Sandbox testing