LinkAja

LinkAja is an Indonesian digital wallet and financial services platform launched in 2019. It is backed by major state-owned enterprises, and offers a wide range of cashless transaction services including mobile payments, bill payments, QRIS payments, phone credit purchases, money transfers, and transportation tickets. With its strong integration into everyday needs and support for both urban and rural users, LinkAja plays a key role in advancing Indonesia’s digital financial ecosystem and promoting financial inclusion. Learn more about LinkAja.

Payment method properties

Markets (consumer)ID
Processing currenciesIDR
Consumer currenciesIDR
Authentication methodsREDIRECT
Authentication timeout6 hours
Minimum payment amount10,000.00 IDR
Maximum payment amountFor non-KYC users: 2,000,000.00 IDR
For KYC users: 10,000,000.00 IDR
Payment instrumentPASSTHROUGH_WALLET
Recurring paymentsNo
Separate capturesNo
RefundNo
Refund validityN/A
DisputesNo
Settlement riskNo

Make a LinkAja payment

LinkAja 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 LinkAja payment, you'll need to provide the following data at minimum when calling our payment charges API:

FieldDescription
paymentMethodLINK_AJA
amount.valueThe amount to be paid in the smallest units of the currency used.
amount.currencyIDR
consumer.nameFull name of the consumer.
consumer.countryThe country where the consumer is shopping.
consumer.emailThe consumer’s email address
consumer.phoneThe consumer phone number.
order.shippingAddress.streetStreet name, house number and other details such as apartment number or door number
order.shippingAddress.postalCodeThe address postal code.
order.shippingAddress.cityThe address city.
order.shippingAddress.countryThe address region.
order.orderItems.nameThe order item name.
order.orderItems.quantityThe order item quantity.
order.orderItems.amountThe amount to pay for each individual item in the payment charge currency's smallest unit.
authenticationSettings: REDIRECT
settings.returnUrl
Add the URL where the consumer should be redirected after they complete the payment. Required for the REDIRECT flow.

Request

POST /v1/payment-charges

{
    "paymentMethod": "LINK_AJA",
    "amount": {
        "value": 1000000,
        "currency": "IDR"
    },
    "consumer": {
        "name": "John Smith",
        "country": "ID",
        "email": "[email protected]",
        "phone": "123456789"
    },
    "order": {
        "shippingAddress": {
            "street": "Hellersbergstraße 14",
            "postalCode": "41460",
            "city": "Berlin",
            "country": "AU"
        },
        "orderItems": [
            {
                "name": "Product Name 1",
                "quantity": 1,
                "amount": 1000000
            }
        ]
    },
    "authenticationSettings": [
        {
            "type": "REDIRECT",
            "settings": {
                "returnUrl": "https://www.ppro.com/"
            }
        }
    ]
}

Response

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

{
    "id": "charge_GhDJ4NwkO1gZOm0KmtsS7",
    "paymentMethod": "LINK_AJA",
    "paymentMedium": "ECOMMERCE",
    "scheduleType": "UNSCHEDULED",
    "instrumentId": "instr_JwRQQAQ00F7DaGVLId8v1",
    "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": "Hellersbergstraße 14",
            "postalCode": "41460",
            "city": "Berlin",
            "country": "AU"
        },
        "industryData": []
    },
    "authenticationMethods": [
        {
            "details": {
                "requestUrl": "https://redirection-target.ppro.com",
                "requestMethod": "POST"
            },
            "type": "REDIRECT"
        }
    ],
    "authorizations": [
        {
            "id": "authz_hg2OU6DE9SFnYU01Ecq4Q",
            "amount": 1000000,
            "status": "AUTHENTICATION_PENDING",
            "createdAt": "2025-08-29T09:41:06.240Z",
            "updatedAt": "2025-08-29T09:41:06.240Z"
        }
    ],
    "captures": [],
    "refunds": [],
    "voids": [],
    "createdAt": "2025-08-29T09:41:06.038Z",
    "updatedAt": "2025-08-29T09:41:06.240Z",
   
    "_links": {
        "authorizations": {
            "href": "/v1/payment-charges/charge_GhDJ4NwkO1gZOm0KmtsS7/authorizations"
        },
        "captures": {
            "href": "/v1/payment-charges/charge_GhDJ4NwkO1gZOm0KmtsS7/captures"
        },
        "refunds": {
            "href": "/v1/payment-charges/charge_GhDJ4NwkO1gZOm0KmtsS7/refunds"
        },
        "voids": {
            "href": "/v1/payment-charges/charge_GhDJ4NwkO1gZOm0KmtsS7/voids"
        }
    }
}

Pick the desired authentication method

REDIRECT

  1. 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.
  2. The consumer will be presented with the reference number and instructions to complete the payment.

Handling the payment result

REDIRECT

  1. After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
  2. 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.
  3. 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 LinkAja, with no additional data provided.

Request

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

Response

{
    "id": "instr_vlhrwkPclBlrhf8gnANVh",
    "type": "PASSTHROUGH_WALLET"
}

Sandbox testing