Data Model - Payment Channel

Payment Channel Overview

The Payment Channel data model defines the structure for payment method and processing information. This model encapsulates payment method specifications, processing details, and channel-specific parameters.

Data Model Structure

Parameter	Type	Description
paymentMethod	String	Payment method identifier Format: Predefined payment method codes Examples: BRI, UPI, QRPAY, PIX, SPEI Used to identify the specific payment channel for transaction processing
vaNumber	String	Virtual Account or Bank Account number Format: Alphanumeric string Usage: Indonesia VA numbers, Thailand bank accounts, Mexico SPEI accounts Required for bank transfer payment methods
qrString	String	QR code data or image URL Format: String or HTTP image URL Usage: Indonesia QRIS, Thailand QRPAY, Brazil PIX Contains QR code data for mobile payment processing
paymentUrl	String	Primary payment processing URL Format: Valid HTTP/HTTPS URL Usage: Smilepayz checkout page for payment completion Required for all payment methods
payeeBankName	String	Recipient (payee) bank name for bank transfers Format: UTF-8 encoded string Usage: Thailand BANK method, Mexico SPEI Specifies the receiving bank for transfer transactions Preferred: integrations should read and store this field
receiverBankName	String	Compatibility only — same meaning as payeeBankName; populated from or mirrored to payeeBankName when either is returned. Prefer payeeBankName for new integrations; receiverBankName will be removed in a future version

Regional Implementation Examples

Indonesia Payment Methods

{
    "paymentMethod": "W_DANA",
    "paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=101200192501021315010115"
}

{
    "paymentMethod": "QRIS",
    "paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=101200112410241325417215",
    "qrString": "https://gateway.smilepayz.com/image/MER202110293394047135422905011630451D5.img"
}

{
    "paymentMethod": "QRIS",
    "paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=101200112410241325417215",
    "qrString": "0912121.2232323293.2323232.33xxxxxxxxxxxxxxxxxx3232wewess.w2323.QRIS.sdfdN.nubo.bsdfdc833434343"
}

{
    "paymentMethod": "BRI",
    "paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=101200112501021320331776",
    "vaNumber": "1419001332911089"
}

India Payment Methods

{
    "paymentMethod": "UPI",
    "paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=101200192501021315010115"
}

{
    "paymentMethod": "UPI",
    "paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=101200192501021315010115"
}

Thailand Payment Methods

{
    "paymentMethod": "QRPAY",
    "paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=111200572411191251468673",
    "qrString": "00020101021229370016A0000006770101110113006680870163353037645406299.985802TH63048436"
}

{
    "paymentMethod": "BANK",
    "paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=1112001125042408363186433",
    "payeeBankName": "KBANK",
    "vaNumber": "2053617290"
}

Brazil Payment Methods

{
    "paymentMethod": "PIX",
    "paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=131200112412130836186234",
    "qrString": "00020101021226800014br.gov.bcb.pix2558pix.delbank.com.br/v2/cob/vcharge1f6aed0623644c24bbdc174ce5204000053039865802BR5907DELBANK6007ARACAJU62070503***6304BC39"
}

Mexico Payment Methods

{
    "paymentMethod": "SPEI",
    "paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=1412075825061113364201615",
    "payeeBankName": "STP",
    "vaNumber": "6461805637046123212"
}

Peru Payment Methods

{
    "paymentMethod": "CASHIER_PE",
    "paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=1512024025061111131298291"
}

Colombia Payment Methods

{
    "paymentMethod": "CASHIER_CO",
    "paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=1512024025061111131298291"
}

Chile Payment Methods

{
    "paymentMethod": "CASHIER_CL",
    "paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=1512024025061111131298291"
}

Implementation Guidelines

Payment Method Selection

• Digital Wallets: Use e-wallet specific payment methods with additional payment URLs
• QR Payments: Include QR string data for mobile payment processing
• Bank Transfers: Provide virtual account numbers and payee bank information (prefer payeeBankName; receiverBankName remains for backward compatibility)
• Cash Payments: Use cashier payment methods with external checkout URLs

Security Considerations

• URL Validation: Ensure all payment URLs use HTTPS protocol
• Data Encryption: Sensitive payment data should be encrypted in transit
• Token Management: Secure handling of payment tokens and session data
• Audit Logging: Maintain comprehensive logs for payment processing activities