Kredivo is an Indonesian fintech company that provides digital credit and buy-now-pay-later (BNPL) solutions. Founded in 2016, Kredivo allows users to make online and offline purchases with flexible payment options, including installment plans and short-term credit, directly through its app or partner merchants. By offering instant credit approval and seamless integration with e-commerce platforms, Kredivo helps consumers access financing conveniently while promoting cashless transactions in Indonesia. Learn more about Kredivo.

Payment method properties


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

Make a Kredivo payment

Kredivo payments follow our standardized REDIRECT payment flow. We recommend including all relevant settings for any authentication methods you support.

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

Field	Description
`paymentMethod`	`KREDIVO`
`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": "KREDIVO",
    "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_N6f5ZZ3fi46AHLhQd1baQ",
    "paymentMethod": "KREDIVO",
    "paymentMedium": "ECOMMERCE",
    "scheduleType": "UNSCHEDULED",
    "instrumentId": "instr_CKV7gGsyFt03uQPpO9a6X",
    "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_IXMJXcvHQ10jFr2rmumw9",
            "amount": 1000000,
            "status": "AUTHENTICATION_PENDING",
            "createdAt": "2025-08-29T09:54:38.649Z",
            "updatedAt": "2025-08-29T09:54:38.649Z"
        }
    ],
    "captures": [],
    "refunds": [],
    "discards": [],
    "voids": [],
    "createdAt": "2025-08-29T09:54:38.344Z",
    "updatedAt": "2025-08-29T09:54:38.649Z",
    
    "_links": {
        "authorizations": {
            "href": "/v1/payment-charges/charge_N6f5ZZ3fi46AHLhQd1baQ/authorizations"
        },
        "captures": {
            "href": "/v1/payment-charges/charge_N6f5ZZ3fi46AHLhQd1baQ/captures"
        },
        "refunds": {
            "href": "/v1/payment-charges/charge_N6f5ZZ3fi46AHLhQd1baQ/refunds"
        },
        "discards": {
            "href": "/v1/payment-charges/charge_N6f5ZZ3fi46AHLhQd1baQ/discards"
        },
        "voids": {
            "href": "/v1/payment-charges/charge_N6f5ZZ3fi46AHLhQd1baQ/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 Kredivo, with no additional data provided.

Request

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

Response

{
    "id": "charge_sY4gGAlC92rYmeeIRFfIz",
    "type": "PASSTHROUGH_WALLET"
}

Payment method properties

Make a Kredivo payment

Request

Response

Pick the desired authentication method

Handling the payment result

Payment instrument

Request

Response

Sandbox testing