GoPay Merchant QRIS data API

PT. GoTo Gojek Tokopedia Tbk · Payments 4.6 ★

GoPay Merchant: QRIS is the shop-side QRIS app from PT. GoTo Gojek Tokopedia Tbk, the Jakarta-based GoTo group formed by Gojek and Tokopedia, for Indonesian merchants that collect payments under Bank Indonesia's national QR standard. A new outlet can print a static QRIS plate the same day, with 0% merchant discount rate on GoPay-funded scans, and staff tap a dynamic-QRIS flow when they want a one-off amount instead of an open plate. Settled funds sit in a GoPay merchant wallet that also tracks a GPTU (GoPay Tabungan untuk Usaha) sub-wallet, with instant bank payouts to BCA, Mandiri, Danamon, BNI, BRI, CIMB Niaga and Bank Jago plus scheduled auto-payouts. Daily sales reports land by email, GoPay Spiker is the optional speaker that calls out each incoming scan, and Pinjam Modal — an OJK-supervised working-capital loan — sits behind a KYC gate for eligible shops. Licensed as a Bank Indonesia payment institution, the app is Indonesia-only, holds a 4.56 rating across 87,875 Google Play ratings and 10 million-plus installs, and competes with GoBiz QRIS, DANA Bisnis, ShopeePay Merchant and LinkAja for the same warungs, kiosks and multi-outlet brands.

NMID-stamped QRIS plates are the root record: each outlet carries nmid with an ASPI EMV payload in aspi_qr_string and a printable aspi_qr_image_url, plus a GoPay deep-link in gopay_qr_string. Dynamic charges mint a time-boxed qr_string for gross_amount with qr_type DYNAMIC and payin.dynamic_qris, then refunds write refund_id against original_transaction_id and leave remaining_gross_amount.

Settled float splits across gopay_balance and gptu_balance; the home card shows spendable effective_balance / resulting_balance and disbursable_amount ready for a manual payout keyed by payout_id onto payout_account, gated by min_payout_amount, is_payout_suspended and gopay_limit. Unified histories page QRIS, refund and payout rows by history_type; the safety meter exposes acc_safety_score next to kyc_status. Finance teams reconciling Indonesian QRIS tills, POS vendors reprinting plates, and lenders underwriting Pinjam Modal-style working capital can wire those fields without re-keying the counter app — openData Studio turns them 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.

Merchant wallet balance

GET /v1/wallets/float openbanking

Reads the signed-in outlet's GoPay merchant wallet and GPTU sub-wallet, including the spendable effective_balance shown on the home balance strip.

Auth: Bearer access_token from GoTo login; X-AppVersion, X-UniqueId, X-AppId, Gojek-Country-Code, X-User-Locale, X-User-Type, X-Selected-Outlet

gopay_balance
gptu_balance
effective_balance
show_combined_balance
show_wallet_balance
wallet_type
is_gopay_account_linked
is_maximum_balance_reached

GET /v1/wallets/float HTTP/1.1
Authorization: Bearer eyJhbGciOi...
X-AppVersion: 2.6.0
X-UniqueId: 7c2a9f11-4b8e-4d21
X-AppId: <merchant-app>
Gojek-Country-Code: ID
X-User-Locale: id_ID
X-User-Type: merchant
X-Selected-Outlet: OUT-88100214

{
  "gopay_balance": 18425000,
  "gptu_balance": 2500000,
  "effective_balance": 17240000,
  "show_combined_balance": true,
  "show_wallet_balance": true,
  "wallet_type": "GOPAY",
  "is_gopay_account_linked": true,
  "is_maximum_balance_reached": false,
  "currency": "IDR"
}

Finance home balance
GET /v1/finance/home openfinance
Loads the finance-home card: resulting_balance after holds, disbursable_amount ready to cash out, outstanding_balance still pending, and the last_payout row.
Auth: Bearer access_token from GoTo login; X-AppVersion, X-UniqueId, X-AppId, Gojek-Country-Code, X-User-Locale, X-Selected-Outlet
- resulting_balance
- disbursable_amount
- outstanding_balance
- last_payout
- payout_id
- mainOutletFlag
- wallet_type
```
GET /v1/finance/home HTTP/1.1
Authorization: Bearer eyJhbGciOi...
X-AppVersion: 2.6.0
X-UniqueId: 7c2a9f11-4b8e-4d21
Gojek-Country-Code: ID
X-Selected-Outlet: OUT-88100214
```
```
{
  "resulting_balance": 17240000,
  "disbursable_amount": 16800000,
  "outstanding_balance": 440000,
  "last_payout": {
    "payout_id": "PO-20261007-4419",
    "amount": 15120000
  },
  "mainOutletFlag": true,
  "wallet_type": "GOPAY"
}
```

Multi-wallet finance balance

GET /v1/finance/wallets openbanking

Splits GoPay and GPTU into separate wallet rows so the finance screen can toggle combined vs per-wallet display.

Auth: Bearer access_token from GoTo login; X-AppVersion, X-UniqueId, X-AppId, Gojek-Country-Code, X-Selected-Outlet

wallet_type
gopay_balance
gptu_balance
effective_balance
gptu_account_no
gptu_sof_status
show_combined_balance
default_selected_wallet

GET /v1/finance/wallets HTTP/1.1
Authorization: Bearer eyJhbGciOi...
Gojek-Country-Code: ID
X-Selected-Outlet: OUT-88100214

{
  "wallets": [
    {
      "wallet_type": "GOPAY",
      "gopay_balance": 18425000,
      "effective_balance": 17240000,
      "show_wallet_balance": true
    },
    {
      "wallet_type": "GPTU",
      "gptu_balance": 2500000,
      "gptu_account_no": "GPTU-998177",
      "gptu_sof_status": "ACTIVE"
    }
  ],
  "show_combined_balance": true,
  "default_selected_wallet": "GOPAY"
}

GoPay wallet limit
GET /v1/finance/limits openfinance
Returns the KYC-gated GoPay float cap and remaining on-demand-payout headroom that block cash-out when the monthly ceiling is hit.
Auth: Bearer access_token from GoTo login; X-AppVersion, X-UniqueId, Gojek-Country-Code, X-Selected-Outlet
- gopay_limit
- odp_remaining_limit
- is_maximum_balance_reached
- monthly_limit_hit
- kyc_status
- is_kyc_approved
```
GET /v1/finance/limits HTTP/1.1
Authorization: Bearer eyJhbGciOi...
Gojek-Country-Code: ID
X-Selected-Outlet: OUT-88100214
```
```
{
  "gopay_limit": 20000000,
  "odp_remaining_limit": 15750000,
  "is_maximum_balance_reached": false,
  "monthly_limit_hit": false,
  "kyc_status": "APPROVED",
  "is_kyc_approved": true
}
```

Shared QRIS plate

GET /v1/qris/plate opendata

Returns the outlet's static QRIS payload: Bank Indonesia NMID, ASPI EMV string and image URL, plus the GoPay deep-link string used to reprint the plate.

Auth: Bearer access_token from GoTo login; X-AppVersion, X-UniqueId, X-AppId, Gojek-Country-Code, X-Selected-Outlet

nmid
aspi_qr_string
aspi_qr_image_url
gopay_qr_string
qr_string
aspi_terminal_id
aspi_onboarding_status
is_qris_suspended
outlet_name
merchant_id

GET /v1/qris/plate HTTP/1.1
Authorization: Bearer eyJhbGciOi...
Gojek-Country-Code: ID
X-Selected-Outlet: OUT-88100214

{
  "nmid": "ID1021234567890",
  "aspi_qr_string": "0002010102112661ID.CO.QRIS.WWW0118936009141234567890215ID10212345678905204000053033605802ID5914WARUNG MAJU6007JAKARTA6105123406304ABCD",
  "aspi_qr_image_url": "/v1/media/qris/OUT-88100214.png",
  "gopay_qr_string": "gopay://merchant/pay?nmid=ID1021234567890",
  "qr_string": "0002010102112661ID.CO.QRIS.WWW0118936009141234567890215ID10212345678905204000053033605802ID5914WARUNG MAJU6007JAKARTA6105123406304ABCD",
  "aspi_terminal_id": "A01",
  "aspi_onboarding_status": "ACTIVE",
  "is_qris_suspended": false,
  "outlet_name": "Warung Maju Menteng",
  "merchant_id": "MCH-88100214"
}

Charge dynamic QRIS

POST /v1/charges openbanking

Creates a one-off dynamic QRIS charge for gross_amount and returns a time-boxed qr_string plus mdr_range used on the amount-input screen.

Auth: Bearer access_token from GoTo login; X-AppVersion, X-UniqueId, X-Idempotency-Key, X-Request-Id, Gojek-Country-Code, X-Selected-Outlet

outlet_id
transaction_id
gross_amount
formatted_gross_amount
qr_string
qr_type
expired_at
mdr_range
payin.dynamic_qris

POST /v1/charges HTTP/1.1
Authorization: Bearer eyJhbGciOi...
X-Idempotency-Key: 9f3c1a22-88b1-4d0e
X-Request-Id: 4e11c8aa-21b0
Gojek-Country-Code: ID
Content-Type: application/json

{
  "outlet_id": "OUT-88100214",
  "gross_amount": 75000,
  "qr_type": "DYNAMIC",
  "payin": {"dynamic_qris": true}
}

{
  "transaction_id": "TRX-20261008-7721",
  "gross_amount": 75000,
  "formatted_gross_amount": "Rp75.000",
  "qr_string": "0002010102122661ID.CO.QRIS.WWW0118936009141234567890215ID10212345678905204540153033605405750005802ID5914WARUNG MAJU6007JAKARTA6105123406304BEEF",
  "qr_type": "DYNAMIC",
  "expired_at": "2026-10-08T10:15:00+07:00",
  "mdr_range": "0",
  "payin": {"dynamic_qris": true}
}

Refund a QRIS charge

POST /v1/refunds openbanking

Posts a merchant-initiated refund against original_transaction_id and returns remaining_gross_amount plus the estimated settlement timestamp.

Auth: Bearer access_token from GoTo login; X-AppVersion, X-UniqueId, X-Idempotency-Key, Gojek-Country-Code, X-Selected-Outlet

refund_id
original_transaction_id
gross_amount
remaining_gross_amount
refund_process_date_time
refunded_estimation_date_time
min_settlement_amount

POST /v1/refunds HTTP/1.1
Authorization: Bearer eyJhbGciOi...
X-Idempotency-Key: a1b2c3d4-e5f6
Gojek-Country-Code: ID
Content-Type: application/json

{
  "original_transaction_id": "TRX-20261008-7721",
  "gross_amount": 75000,
  "outlet_id": "OUT-88100214"
}

{
  "refund_id": "RF-20261008-1192",
  "original_transaction_id": "TRX-20261008-7721",
  "gross_amount": 75000,
  "remaining_gross_amount": 0,
  "refund_process_date_time": "2026-10-08T10:22:11+07:00",
  "refunded_estimation_date_time": "2026-10-08T10:30:00+07:00",
  "min_settlement_amount": 10000
}

Manual payout

POST /v1/payouts openbanking

Starts an on-demand bank payout of disbursable_amount to payout_account, gated by min_payout_amount, remaining_payout_qty and is_payout_suspended.

Auth: Bearer access_token from GoTo login; X-AppVersion, X-UniqueId, X-Idempotency-Key, Gojek-Country-Code, X-Selected-Outlet

payout_id
payout_account
wallet_type
disbursable_amount
min_payout_amount
max_settlement_amount
is_payout_suspended
remaining_payout_qty

POST /v1/payouts HTTP/1.1
Authorization: Bearer eyJhbGciOi...
X-Idempotency-Key: 5c88ee01-aa12
Gojek-Country-Code: ID
Content-Type: application/json

{
  "outlet_id": "OUT-88100214",
  "wallet_type": "GOPAY",
  "amount": 16800000,
  "payout_account": "BCA-1234567890"
}

{
  "payout_id": "PO-20261008-8821",
  "payout_account": "BCA-1234567890",
  "wallet_type": "GOPAY",
  "disbursable_amount": 16800000,
  "min_payout_amount": 10000,
  "max_settlement_amount": 20000000,
  "is_payout_suspended": false,
  "remaining_payout_qty": 2
}

Manual payout info

GET /v1/payouts/preview openfinance

Pre-flight for the cash-out form: remaining disbursable_amount, payout_account, available_payout_options and whether payouts are suspended.

Auth: Bearer access_token from GoTo login; X-AppVersion, X-UniqueId, Gojek-Country-Code, X-Selected-Outlet

disbursable_amount
min_payout_amount
max_settlement_amount
payout_account
available_payout_options
is_payout_suspended
is_payout_amount_reached
expired_at

GET /v1/payouts/preview?wallet_type=GOPAY HTTP/1.1
Authorization: Bearer eyJhbGciOi...
Gojek-Country-Code: ID
X-Selected-Outlet: OUT-88100214

{
  "disbursable_amount": 16800000,
  "min_payout_amount": 10000,
  "max_settlement_amount": 20000000,
  "payout_account": "BCA-1234567890",
  "available_payout_options": ["BANK_TRANSFER", "GPTU"],
  "is_payout_suspended": false,
  "is_payout_amount_reached": false,
  "expired_at": "2026-10-08T23:59:59+07:00"
}

Payout schedules
GET /v1/payouts/windows openfinance
Lists auto-payout windows (daily 15:00, weekly, manual-only) and whether payout_schedule_editable lets the merchant change them.
Auth: Bearer access_token from GoTo login; X-AppVersion, X-UniqueId, Gojek-Country-Code, X-Selected-Outlet
- available_schedules
- default_schedules
- current_schedule_time
- daily_schedule_time
- payout_schedule_editable
- payout_account
```
GET /v1/payouts/windows HTTP/1.1
Authorization: Bearer eyJhbGciOi...
Gojek-Country-Code: ID
X-Selected-Outlet: OUT-88100214
```
```
{
  "available_schedules": ["DAILY_15", "WEEKLY_FRI", "MANUAL"],
  "default_schedules": ["DAILY_15"],
  "current_schedule_time": "15:00",
  "daily_schedule_time": "15:00",
  "payout_schedule_editable": true,
  "payout_account": "BCA-1234567890"
}
```

Unified transaction histories

GET /v1/activity openfinance

Pages the merchant activity feed of QRIS charges, refunds and payouts, filterable by history_type on the Laporan Saya screen.

Auth: Bearer access_token from GoTo login; X-AppVersion, X-UniqueId, Gojek-Country-Code, X-Selected-Outlet

transaction_id
history_type
gross_amount
formatted_gross_amount
outlet_id
outlet_name
nmid
wallet_type
batch_size

GET /v1/activity?history_type=QRIS&limit=20 HTTP/1.1
Authorization: Bearer eyJhbGciOi...
Gojek-Country-Code: ID
X-Selected-Outlet: OUT-88100214

{
  "items": [
    {
      "transaction_id": "TRX-20261008-7721",
      "history_type": "QRIS",
      "gross_amount": 75000,
      "formatted_gross_amount": "Rp75.000",
      "outlet_id": "OUT-88100214",
      "outlet_name": "Warung Maju Menteng",
      "nmid": "ID1021234567890",
      "wallet_type": "GOPAY"
    }
  ],
  "batch_size": 20
}

Transaction report job

POST /v1/reports/sales opendata

Queues the on-demand sales-report export that later lands in the merchant email inbox as a dated transaction workbook.

Auth: Bearer access_token from GoTo login; X-AppVersion, X-UniqueId, X-Request-Id, Gojek-Country-Code, X-Selected-Outlet

outlet_id
merchant_id
job_id
status
component_ids

POST /v1/reports/sales HTTP/1.1
Authorization: Bearer eyJhbGciOi...
X-Request-Id: 8aa1-21b0
Gojek-Country-Code: ID
Content-Type: application/json

{
  "outlet_id": "OUT-88100214",
  "merchant_id": "MCH-88100214",
  "start_date": "2026-10-01",
  "end_date": "2026-10-08"
}

{
  "job_id": "RPT-20261008-331",
  "outlet_id": "OUT-88100214",
  "merchant_id": "MCH-88100214",
  "status": "QUEUED",
  "component_ids": ["qris", "payout", "refund"]
}

List merchant outlets

GET /v1/locations opendata

Lists outlets on the signed-in merchant, including address, coordinates, NMID and the mainOutletFlag used by the outlet switcher.

Auth: Bearer access_token from GoTo login; X-AppVersion, X-UniqueId, Gojek-Country-Code, X-User-Type

outlet_id
outlet_name
outlet_address
outlet_city
outlet_postal_code
outlet_latitude
outlet_longitude
nmid
merchant_id
mainOutletFlag
is_qris_suspended

GET /v1/locations HTTP/1.1
Authorization: Bearer eyJhbGciOi...
Gojek-Country-Code: ID
X-User-Type: merchant

{
  "outlets": [
    {
      "outlet_id": "OUT-88100214",
      "outlet_name": "Warung Maju Menteng",
      "outlet_address": "Jl. Menteng Raya 12",
      "outlet_city": "Jakarta",
      "outlet_postal_code": "10310",
      "outlet_latitude": -6.1944,
      "outlet_longitude": 106.8294,
      "nmid": "ID1021234567890",
      "merchant_id": "MCH-88100214",
      "mainOutletFlag": true,
      "is_qris_suspended": false
    }
  ]
}

Account safety meter
GET /v1/account/safety osint
Reads the merchant safety-meter score that gates QRIS and payouts when acc_safety_score drops or KYC is incomplete.
Auth: Bearer access_token from GoTo login; X-AppVersion, X-UniqueId, Gojek-Country-Code
- acc_safety_score
- kyc_status
- is_kyc_approved
- is_qris_suspended
- is_payout_suspended
```
GET /v1/account/safety HTTP/1.1
Authorization: Bearer eyJhbGciOi...
Gojek-Country-Code: ID
```
```
{
  "acc_safety_score": 82,
  "kyc_status": "APPROVED",
  "is_kyc_approved": true,
  "is_qris_suspended": false,
  "is_payout_suspended": false
}
```

Login by OTP

POST /v1/session/otp opendata

Exchanges an SMS or WhatsApp OTP for access_token and refresh_token used as Bearer on wallet, QRIS and payout calls.

Auth: Unauthenticated start of merchant login. X-AppVersion, X-UniqueId, X-AppId, Gojek-Country-Code, X-ClientID. Response access_token / refresh_token attach as Bearer on later calls.

otp_token
access_token
refresh_token
login_access_token
login_refresh_token
kyc_status
merchant_id

POST /v1/session/otp HTTP/1.1
X-AppVersion: 2.6.0
X-UniqueId: 7c2a9f11-4b8e-4d21
X-AppId: <merchant-app>
X-ClientID: <merchant-client>
Gojek-Country-Code: ID
Content-Type: application/json

{
  "phone": "+6281234567890",
  "otp_token": "482193",
  "otp_channel": "sms"
}

{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rt_9f3c1a22",
  "login_access_token": "eyJhbGciOi...",
  "login_refresh_token": "rt_login_9f3c",
  "kyc_status": "APPROVED",
  "merchant_id": "MCH-88100214"
}

Where teams use this data

Nightly QRIS ledger close
A shop ERP pulls wallet float (gopay_balance, gptu_balance, effective_balance) then pages unified histories by history_type so QRIS gross_amount rows match the day's disbursable_amount before the 15:00 auto-payout.
Reprint NMID plates across outlets
A multi-outlet brand reads nmid, aspi_qr_string and aspi_qr_image_url per outlet_id and regenerates counter stickers whenever aspi_onboarding_status flips or is_qris_suspended trips.
On-demand cash-out bot
Treasury watches disbursable_amount against min_payout_amount and remaining_payout_qty, then posts a manual payout to payout_account when is_payout_suspended is false and odp_remaining_limit still has headroom.
Risk hold on weak safety scores
A compliance job reads acc_safety_score with kyc_status and pauses dynamic charges plus scheduled payouts when is_qris_suspended or is_payout_suspended is raised on the safety meter.

Frequently asked questions

What wallet balances does GoPay Merchant expose?

The wallet call returns gopay_balance and gptu_balance plus spendable effective_balance. The finance-home card adds resulting_balance, disbursable_amount and outstanding_balance, and a multi-wallet split lists wallet_type GOPAY vs GPTU with gptu_account_no.

How is a static QRIS plate represented?

The shared-QRIS call returns Bank Indonesia nmid, the ASPI EMV payload aspi_qr_string, aspi_qr_image_url for reprinting, gopay_qr_string, aspi_terminal_id and is_qris_suspended.

Can I trigger an on-demand bank payout?

Yes. Manual-payout info first returns disbursable_amount, min_payout_amount, payout_account and is_payout_suspended; posting a manual payout then yields payout_id and remaining_payout_qty. Schedules list daily 15:00 and weekly windows via available_schedules.

How does merchant login work?

Login-by-OTP exchanges an SMS or WhatsApp otp_token for access_token and refresh_token. Later calls send Authorization Bearer plus X-AppVersion, X-UniqueId, X-AppId, Gojek-Country-Code, X-User-Locale, X-User-Type and X-Selected-Outlet.

Apps similar to GoPay Merchant: QRIS

GoBiz — GoTo's broader Indonesian merchant console that also issues QRIS, with catalogue, staff and payout tools beyond the QRIS-only GoPay Merchant app.
DANA Bisnis — DANA's merchant app for Indonesian shops to accept QRIS, track settlements and cash out to bank accounts.
ShopeePay Merchant — Shopee's merchant QRIS and ShopeePay acceptance app used by Indonesian kiosks and warungs.
LinkAja Merchant — State-linked LinkAja's merchant app for QRIS acceptance and payout tracking in Indonesia.
GoFood Merchant — GoTo's restaurant-side app for GoFood delivery tickets; kitchens often run it beside GoPay Merchant for in-store QRIS.
Midtrans — GoTo's payment-gateway console (gopaymerchant.midtrans.com) that many online Indonesian merchants use alongside the in-store QRIS app.

More Payments apps

Topics

GoPay Merchant API
QRIS merchant data
NMID aspi_qr_string
GoPay wallet balance
GPTU merchant payout
Indonesian QRIS endpoints
GoPay Merchant QRIS

Need this app's data API integrated?

We deliver scoped integrations for any named app — from USD 500 with source-code handoff, or hosted access billed per call. Tell us the data you need.

NDA + SOW on every engagement
Delivery in 3–7 days
Payment only after acceptance
Work scoped to authorized use

Get a quote

GoPay Merchant QRIS data API

Screenshots

API surface

Merchant wallet balance

Finance home balance

Multi-wallet finance balance

GoPay wallet limit

Shared QRIS plate

Charge dynamic QRIS

Refund a QRIS charge

Manual payout

Manual payout info

Payout schedules

Unified transaction histories

Transaction report job

List merchant outlets

Account safety meter

Login by OTP

Data categories

Where teams use this data

Nightly QRIS ledger close

Reprint NMID plates across outlets

On-demand cash-out bot

Risk hold on weak safety scores

Frequently asked questions

Apps similar to GoPay Merchant: QRIS

More Payments apps

CashBook - Balance & Expense

Dhan Barse

HP PAY

IndianOil ONE

Topics

Need this app's data API integrated?

GoPay Merchant QRIS data API

Screenshots

API surface

Merchant wallet balance

Finance home balance

Multi-wallet finance balance

GoPay wallet limit

Shared QRIS plate

Charge dynamic QRIS

Refund a QRIS charge

Manual payout

Manual payout info

Payout schedules

Unified transaction histories

Transaction report job

List merchant outlets

Account safety meter

Login by OTP

Data categories

Where teams use this data

Nightly QRIS ledger close

Reprint NMID plates across outlets

On-demand cash-out bot

Risk hold on weak safety scores

Frequently asked questions

Related apps

Apps similar to GoPay Merchant: QRIS

More Payments apps

CashBook - Balance & Expense

Dhan Barse

HP PAY

IndianOil ONE

Topics

Need this app's data API integrated?