Flip data API: unique codes, bank inquiry and pulsa

PT Fliptech Lentera Inspirasi Pertiwi · Payments 4.7 ★

Flip: Transfer & Cashback is the consumer remittance app from PT Fliptech Lentera Inspirasi Pertiwi, an Indonesian fintech that lets people send money across local banks without paying the usual interbank fee. Users log in with email, look up a destination account, pick a sender bank, and complete the transfer by depositing a unique amount; the same login also tops up pulsa, tracks cashback, and handles refunds when a transfer cannot land. The Play listing shows 10M+ installs, a 4.66 rating across 733,658 reviews, and an Indonesia-only audience that otherwise reaches for bank apps, DANA, or OVO for the same domestic send.

Unique-code deposits stamp every Indonesian interbank send: a mint call returns kode_unik for the chosen bank and nominal, and the booked row comes back as id_transaksi, biaya and timestamp. Destination inquiry fills nama and kota from rekening plus bank before the form will post noRekTujuan, namaTujuan, bankPengirim and bankPenerima.

The signed-in ledger is the KYC profile itself: saldo, limit_transfer, kyc, no_identitas and lifetime menghemat sit on the same user record as no_hp and jumlah_transaksi. History rows then add no_rek_tujuan, time_served and bukti_shortlink; refunds keep ref_sumber and alasan; pulsa SKUs ship as id_produk_flip, nama_produk and harga grouped by operator.

Disbursement and payroll stacks use the inquiry name-match plus unique-code recon to close payouts; catalog aggregators refresh airtime prices from the same product list. openData Studio turns those objects into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Email login
POST /v1/sessions/email osint
Exchanges email credentials for a session jwt that the client keeps for the session and attaches as a Bearer token on every later call.
Auth: Unauthenticated; form body email + password, query via=email plus platform and version. The returned jwt is kept by the client and sent as Authorization Bearer, together with the static api-key header, on later calls.
- email
- password
- via
- platform
- version
- jwt
```
POST /v1/sessions/email?via=email&platform=android&version=61 HTTP/1.1
Content-Type: application/x-www-form-urlencoded
api-key: <app-key>

email=ada%40contoh.id&password=********
```
```
{
  "jwt": "<session-jwt>",
  "errors": []
}
```

Current user profile

GET /v1/members/me openfinance

Loads the signed-in member profile, KYC identity bag, remaining saldo, lifetime savings (menghemat) and the current transfer limit.

Auth: Authorization Bearer jwt plus api-key header

id
username
email
nama
no_identitas
jenis_identitas
tgl_lahir
foto_identitas
prof_pic
no_hp
no_hp_verified
saldo
kyc
kyc_baru
kota
menghemat
alamat
limit_transfer
tempat_lahir
jumlah_transaksi
chat_token

GET /v1/members/me HTTP/1.1
Authorization: Bearer <jwt>
api-key: <app-key>

{
  "id": "184221",
  "username": "ada",
  "email": "[email protected]",
  "nama": "Ada Putri",
  "no_identitas": "3171xxxxxxxxxxxx",
  "jenis_identitas": "ktp",
  "tgl_lahir": "1994-02-11",
  "foto_identitas": "https://files.example.com/identity/184221.jpg",
  "prof_pic": "https://files.example.com/avatars/184221.jpg",
  "no_hp": "081234567890",
  "no_hp_verified": "1",
  "saldo": "125000",
  "kyc": "1",
  "kyc_baru": "1",
  "kota": "jakarta-selatan",
  "menghemat": "340000",
  "alamat": "Jl. Melawai 12",
  "limit_transfer": 10000000,
  "tempat_lahir": "Jakarta",
  "jumlah_transaksi": "42",
  "chat_token": "ct-9f21"
}

Destination account inquiry

POST /v1/accounts/lookup openbanking

Resolves an Indonesian bank account number to the registered holder name, city and optional email before an interbank transfer is created.

Auth: Authorization Bearer jwt plus api-key header

rekening
bank
kota
nama
email

POST /v1/accounts/lookup HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Bearer <jwt>
api-key: <app-key>

rekening=1234567890&bank=bca

{
  "rekening": "1234567890",
  "bank": "bca",
  "kota": "jakarta",
  "nama": "BUDI SANTOSO",
  "email": "[email protected]"
}

Allocate unique deposit code
POST /v1/deposit-codes openbanking
Mints the three-digit kode_unik that the sender adds to the transfer amount so the incoming bank deposit can be matched.
Auth: Authorization Bearer jwt plus api-key header
- bank
- nominal
- kode_unik
```
POST /v1/deposit-codes HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Bearer <jwt>
api-key: <app-key>

bank=bca&nominal=500000
```
```
{
  "kode_unik": 314
}
```

Create forward transfer

POST /v1/bank-transfers openbanking

Books an interbank send: destination account, sender bank, amount, memo and unique code, returning the new transaction id and fee.

Auth: Authorization Bearer jwt plus api-key header

emailTujuan
noRekTujuan
namaTujuan
bankPengirim
bankPenerima
nominal
berita
jenisRekening
kota
kodeUnik
isFlipPlus
id_transaksi
kode_unik
biaya
timestamp

POST /v1/bank-transfers HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Bearer <jwt>
api-key: <app-key>

emailTujuan=budi%40contoh.id&noRekTujuan=1234567890&namaTujuan=BUDI%20SANTOSO&bankPengirim=mandiri&bankPenerima=bca&nominal=500000&berita=Bayar%20sewa&jenisRekening=biasa&kota=jakarta&kodeUnik=314&isFlipPlus=0

{
  "id_transaksi": "882145",
  "kode_unik": 314,
  "biaya": 0,
  "timestamp": "2026-10-17 09:14:02"
}

Validate forward transfer
POST /v1/bank-transfers/precheck openbanking
Pre-flight check of a draft send (account, banks, amount, Flip Plus flag) before a unique code is allocated and the row is created.
Auth: Authorization Bearer jwt plus api-key header
- noRekTujuan
- namaTujuan
- bankPengirim
- bankPenerima
- nominal
- berita
- jenisRekening
- kota
- isFlipPlus
- errors
```
POST /v1/bank-transfers/precheck HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Bearer <jwt>
api-key: <app-key>

noRekTujuan=1234567890&namaTujuan=BUDI%20SANTOSO&bankPengirim=mandiri&bankPenerima=bca&nominal=500000&berita=Bayar%20sewa&jenisRekening=biasa&kota=jakarta&isFlipPlus=0
```
```
{
  "errors": []
}
```

List forward transfers

GET /v1/bank-transfers openbanking

Pages the sender's interbank history with destination account, unique code, fee, serving timestamp and receipt shortlink.

Auth: Authorization Bearer jwt plus api-key header

id
no_rek_tujuan
bank_penerima
nama_tujuan
kota
bank_pengirim
nominal
biaya
berita
bukti_shortlink
kode_unik
status
time_served
bukti
keterangan

GET /v1/bank-transfers?pagination=20&page=1&sort=-timestamp&showBundleChild=true HTTP/1.1
Authorization: Bearer <jwt>
api-key: <app-key>

{
  "data": [
    {
      "id": "882145",
      "no_rek_tujuan": "1234567890",
      "bank_penerima": "bca",
      "nama_tujuan": "BUDI SANTOSO",
      "kota": "jakarta",
      "bank_pengirim": "mandiri",
      "nominal": 500000,
      "biaya": 0,
      "berita": "Bayar sewa",
      "bukti_shortlink": "https://s.example.com/b/882145",
      "kode_unik": 314,
      "status": 1,
      "time_served": "2026-10-17 10:02:11",
      "bukti": "https://files.example.com/proofs/882145.jpg",
      "keterangan": ""
    }
  ]
}

Forward-transfer limit
GET /v1/bank-transfers/allowance openfinance
Returns the remaining daily/period send cap that the app shows as the member's transfer limit.
Auth: Authorization Bearer jwt plus api-key header
- limit
```
GET /v1/bank-transfers/allowance HTTP/1.1
Authorization: Bearer <jwt>
api-key: <app-key>
```
```
{
  "limit": 10000000
}
```
Lifetime savings
GET /v1/rewards/savings opendata
Reads the running cashback and fee-saved total that the home screen shows as menghemat.
Auth: Authorization Bearer jwt plus api-key header
- hemat
```
GET /v1/rewards/savings HTTP/1.1
Authorization: Bearer <jwt>
api-key: <app-key>
```
```
{
  "hemat": "340000"
}
```

Upload transfer receipt

POST /v1/payment-proofs openbanking

Attaches a bank-deposit screenshot to a pending transfer so the unique-code payment can be confirmed.

Auth: Authorization Bearer jwt plus api-key header; multipart/form-data image upload

id_transaksi
bukti
url

POST /v1/payment-proofs HTTP/1.1
Authorization: Bearer <jwt>
api-key: <app-key>
Content-Type: multipart/form-data

--boundary
Content-Disposition: form-data; name="id_transaksi"

882145
--boundary
Content-Disposition: form-data; name="bukti"; filename="bukti.jpg"
Content-Type: image/jpg

<jpeg bytes>

{
  "url": "https://files.example.com/proofs/882145.jpg"
}

Saved destination accounts

GET /v1/beneficiaries openbanking

Returns favourite and recently used destination accounts for the send form autocomplete.

Auth: Authorization Bearer jwt plus api-key header

rekening_favorit
history_rekening
noRekening
bank
nama
kota

GET /v1/beneficiaries HTTP/1.1
Authorization: Bearer <jwt>
api-key: <app-key>

{
  "rekening_favorit": {
    "data": [
      {
        "noRekening": "1234567890",
        "bank": "bca",
        "nama": "BUDI SANTOSO",
        "kota": "jakarta"
      }
    ]
  },
  "history_rekening": [
    {
      "noRekening": "0987654321",
      "bank": "mandiri",
      "nama": "SITI RAHMA"
    }
  ]
}

PPOB pulsa catalog

GET /v1/airtime/catalog opendata

Lists pulsa/PPOB SKUs grouped by operator, with product id, display name, price and phone-number regex.

Auth: Authorization Bearer jwt plus api-key header

jenis_produk
version_code
produks
regex
operator
id_produk_flip
nama_produk
harga

GET /v1/airtime/catalog?jenis_produk=pulsa&version_code=61 HTTP/1.1
Authorization: Bearer <jwt>
api-key: <app-key>

{
  "produks": [
    {
      "operator": "telkomsel",
      "id_produk_flip": "tsel-25",
      "nama_produk": "Telkomsel 25rb",
      "jenis_produk": "pulsa",
      "harga": 25000
    }
  ],
  "regex": [".*08.*"]
}

Create pulsa transfer
POST /v1/airtime/orders openfinance
Creates a prepaid-airtime order against a catalog SKU, sender bank and displayed price; payment then waits for the unique-code deposit.
Auth: Authorization Bearer jwt plus api-key header
- noHpTujuan
- idProdukFlip
- hargaDitampilkan
- bankPengirim
- id
- kode_unik
- status
- timestamp
```
POST /v1/airtime/orders HTTP/1.1
Content-Type: application/x-www-form-urlencoded
Authorization: Bearer <jwt>
api-key: <app-key>

noHpTujuan=081234567890&idProdukFlip=tsel-25&hargaDitampilkan=25000&bankPengirim=bca
```
```
{
  "id": "99102",
  "kode_unik": 218,
  "status": 0,
  "timestamp": "2026-10-17 09:20:11"
}
```

List withdrawals

GET /v1/cashouts openfinance

Lists balance cash-outs to a bank account with amount, destination and status.

Auth: Authorization Bearer jwt plus api-key header

id
jenis_transaksi
nominal
status
no_rek_tujuan
nama_tujuan
bank_penerima
bukti
timestamp

GET /v1/cashouts HTTP/1.1
Authorization: Bearer <jwt>
api-key: <app-key>

{
  "data": [
    {
      "id": "44012",
      "jenis_transaksi": 0,
      "nominal": 125000,
      "status": 1,
      "no_rek_tujuan": "1234567890",
      "nama_tujuan": "ADA PUTRI",
      "bank_penerima": "bca",
      "bukti": "",
      "timestamp": "2026-10-16 18:01:00"
    }
  ]
}

List refunds

GET /v1/reversals openfinance

Pages failed-send refunds with reason code, source transaction id (ref_sumber) and the bank account that should receive the money back.

Auth: Authorization Bearer jwt plus api-key header

id
nominal
alasan
status
notes
timestamp
bukti
ref_sumber
keterangan
no_rek_tujuan
bank_penerima
nama_tujuan

GET /v1/reversals?pagination=20&page=1&sort=-timestamp HTTP/1.1
Authorization: Bearer <jwt>
api-key: <app-key>

{
  "data": [
    {
      "id": "7701",
      "nominal": "500000",
      "alasan": 1,
      "status": "1",
      "notes": "Rekening tujuan salah",
      "timestamp": "2026-10-15 11:22:00",
      "bukti": "",
      "ref_sumber": "882100",
      "keterangan": [],
      "no_rek_tujuan": "1234567890",
      "bank_penerima": "bca",
      "nama_tujuan": "ADA PUTRI"
    }
  ]
}

App info and maintenance
GET /v1/service/status opendata
Publishes the supported app version, a maintenance flag and a gangguan (outage) banner for the home screen.
Auth: Authorization Bearer jwt plus api-key header (the client attaches them even though the call is informational)
- version
- maintenance
- gangguan
```
GET /v1/service/status HTTP/1.1
Authorization: Bearer <jwt>
api-key: <app-key>
```
```
{
  "version": "0.6.5",
  "maintenance": false,
  "gangguan": ""
}
```

Where teams use this data

Reconcile unique-code deposits
A treasury bot matches inbound bank credits to Flip sends by kode_unik, nominal and bank_pengirim, then closes the row when time_served and bukti_shortlink appear.
Pre-validate destination accounts
Payroll or disbursement tools look up rekening + bank and refuse a payout unless the returned nama matches the intended beneficiary.
KYC and limit gating
A lending or cashback partner reads kyc, no_identitas, saldo and limit_transfer before allowing a larger send or a Flip-balance withdrawal.
Pulsa catalog sync
A bill-pay aggregator pulls produks grouped by operator (id_produk_flip, nama_produk, harga) so in-app airtime prices stay aligned with Flip's SKU list.

Frequently asked questions

Which Flip objects identify an interbank send?

A create call returns id_transaksi, kode_unik, biaya and timestamp. History rows add no_rek_tujuan, nama_tujuan, bank_pengirim, bank_penerima, time_served and bukti_shortlink.

How does destination-account inquiry work?

Post rekening and bank; the response nama, kota and optional email are copied onto the send form as noRekTujuan / namaTujuan before the precheck or create call.

What KYC and balance fields sit on the member record?

The member profile merges id, nama, email, no_identitas, jenis_identitas, no_hp, no_hp_verified, kyc, kyc_baru, saldo, limit_transfer, menghemat, kota, alamat and jumlah_transaksi.

How is the Flip client authenticated?

Email sign-in returns a jwt that the client keeps for the session. Every later call sends it as an Authorization Bearer token plus a static api-key header; POST bodies are application/x-www-form-urlencoded unless the receipt upload uses multipart.

Apps similar to Flip: Transfer & Cashback

DANA Indonesia Digital Wallet — DANA is PT Espay Debit Indonesia Koe's Bank Indonesia–licensed e-wallet for QRIS payments, transfers to BCA, BRI, BNI and Mandiri accounts, and sends to GoPay, ShopeePay and OVO.
OVO — OVO is PT Visionet Internasional's Jakarta e-money app, licensed by Bank Indonesia, that holds OVO Cash for payments and OVO Points for merchant rewards.
GoPay: Transfer, Payment, QRIS — GoPay is PT GoTo Gojek Tokopedia Tbk's consumer wallet for bank transfers, QRIS payments, pulsa top-ups and bill pay, including sends to other GoPay users, banks and e-wallets.
Jenius — Jenius is PT Bank SMBC Indonesia Tbk's digital-bank app with unlimited free transfers to other banks, bill and virtual-account payments, mobile-credit top-ups and Visa debit cards.
SeaBank — SeaBank is PT Bank Seabank Indonesia's digital-bank app that lists no admin fee and 100 free transfers per month to all banks, plus fee-free ShopeePay top-ups.
BCA mobile — BCA mobile is PT Bank Central Asia Tbk's consumer app whose m-BCA module sends money between BCA accounts and to other banks and keeps those transfer destinations on a list.
Bank Jago — Bank Jago is an Indonesian digital-bank app that offers up to 150 free bank transfers, BI-FAST sends, QRIS payments from a chosen Pocket, and fee-free GoPay top-ups.
Wise: International Transfers — Wise is an international-account app, listed on its Indonesia site, for sending, receiving and converting money across borders as an alternative to a bank's overseas transfer.

More Payments apps

Topics

Flip data API
kode unik transfer
cek norek Indonesia
Flip saldo KYC
pulsa Flip catalog
interbank unique code

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Flip data API: unique codes, bank inquiry and pulsa

Screenshots

API surface

Email login

Current user profile

Destination account inquiry

Allocate unique deposit code

Create forward transfer

Validate forward transfer

List forward transfers

Forward-transfer limit

Lifetime savings

Upload transfer receipt

Saved destination accounts

PPOB pulsa catalog

Create pulsa transfer

List withdrawals

List refunds

App info and maintenance

Data categories

Where teams use this data

Reconcile unique-code deposits

Pre-validate destination accounts

KYC and limit gating

Pulsa catalog sync

Frequently asked questions

Apps similar to Flip: Transfer & Cashback

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BharatPe for Business

BrasilCard Cliente

BukuWarung Apps for MSMEs

CashBook - Balance & Expense

Topics

Need this app's data API integrated?

Flip data API: unique codes, bank inquiry and pulsa

Screenshots

API surface

Email login

Current user profile

Destination account inquiry

Allocate unique deposit code

Create forward transfer

Validate forward transfer

List forward transfers

Forward-transfer limit

Lifetime savings

Upload transfer receipt

Saved destination accounts

PPOB pulsa catalog

Create pulsa transfer

List withdrawals

List refunds

App info and maintenance

Data categories

Where teams use this data

Reconcile unique-code deposits

Pre-validate destination accounts

KYC and limit gating

Pulsa catalog sync

Frequently asked questions

Related apps

Apps similar to Flip: Transfer & Cashback

More Payments apps

BharatPe for Business

BrasilCard Cliente

BukuWarung Apps for MSMEs

CashBook - Balance & Expense

Topics

Need this app's data API integrated?