Payfazz Agen data API: saldo, QRIS and PPOB

PT Payfazz Teknologi Nusantara · Payments 4.1 ★

Payfazz: Pulsa, PPOB, QRIS&EDC is the merchant-agent app from PT Payfazz Teknologi Nusantara — Fazz Indonesia's Fazz Agen product, live since 2016 — that Indonesian warungs, pulsa kiosks, laundry shops, minimarkets and online sellers use to sell prepaid credit and data, PLN tokens, BPJS/PDAM/Telkom bills, DANA/OVO/GoPay/LinkAja/Maxim top-ups, and bank transfers to 130+ banks, and to accept QRIS plus mini-EDC card payments. Agents register with a mobile number, set a six-digit account PIN, fund Saldo Simpanan (shown as Deposit Balance, now branded Payfazz Wallet and optionally merged with Cashfazz) via a Bank Sahabat Sampoerna virtual account or a retail outlet, then print thermal receipts and order a QRISuara soundbox or EDC Mini from the same home screen. Modal Payfazz working capital, framed in-app with PT Modal Rakyat Indonesia, sits behind e-KTP KYC, liveness and a store visit. Copy is Bahasa Indonesia with an English locale, amounts are IDR, and the Play listing is Indonesia-only — a 4.09 rating across 273,072 reviews and 5 million-plus installs — competing with GoPay Merchant, DANA Bisnis and BukuWarung for the same MSME till.

Deposit-balance floats on the merchant home stamp depositBalance next to a Cashfazz-merged cashfazzBalance, then gate further funding with balanceCloseToLimit and Bank Sahabat Sampoerna virtual-account top-ups that mint virtualAccountNumber. Terima QRIS plates carry nmid and a static-versus-dynamic qrisType; inbound scans settle as disbursementAmount after serviceFee. PPOB receipts attach operator, meterNumber, serialToken and adminFee; customer bank sends list accountHolderName, accountNumber and transferFee.

e-KTP rows hold nikNumber and motherMaidenName before liveness; Modal Payfazz bills expose loanLimit, tenorDays and lateFee. Agent-network and ERP bots reconcile nightly mutasiType credited/debited rows against QRIS settlements, while lending stacks watch Modal utilization when float runs short. openData Studio turns that surface into callable open data.

Screenshots

API surface

Request/response examples are illustrative, reconstructed from the app's interface — not a live capture.

Phone OTP session
POST /v1/agen/session/otp osint
Exchanges the SMS OTP for an accessToken that gates later wallet, PPOB, QRIS and Modal Payfazz calls.
Auth: Unauthenticated. Body carries phoneNumber and otp; the returned accessToken is sent as Authorization Bearer on later calls. Money-moving screens also prompt the six-digit account PIN.
- phoneNumber
- otp
- deviceId
- accessToken
- refreshToken
- agentId
- newUser
- pinSet
```
POST /v1/agen/session/otp HTTP/1.1
Content-Type: application/json

{
  "phoneNumber": "081234567890",
  "otp": "1234",
  "deviceId": "dvc-8c21f0ab"
}
```
```
{
  "accessToken": "<session-token>",
  "refreshToken": "<refresh-token>",
  "agentId": "AGT-10482",
  "newUser": false,
  "pinSet": true
}
```
Deposit wallet snapshot
GET /v1/wallets/deposit openbanking
Reads the home-strip Deposit Balance (Payfazz Wallet) and the optional Cashfazz pocket that merge into Total Wallet.
Auth: Bearer accessToken from phone OTP login
- agentId
- depositBalance
- cashfazzBalance
- totalWallet
- currency
- balanceCloseToLimit
- balanceExceedsLimit
- cashfazzLinked
- walletName
```
GET /v1/wallets/deposit HTTP/1.1
Authorization: Bearer <access-token>
```
```
{
  "agentId": "AGT-10482",
  "depositBalance": 1850000,
  "cashfazzBalance": 250000,
  "totalWallet": 2100000,
  "currency": "IDR",
  "balanceCloseToLimit": false,
  "balanceExceedsLimit": false,
  "cashfazzLinked": true,
  "walletName": "Payfazz Wallet"
}
```

Wallet mutations ledger

GET /v1/wallets/deposit/mutations openbanking

Pages the MUTATIONS ledger, splitting credited (Mutasi Masuk) from debited (Mutasi Keluar) rows against runningBalance.

Auth: Bearer accessToken from phone OTP login

mutationId
mutasiType
amount
runningBalance
description
orderId
transactionDate
nextCursor

GET /v1/wallets/deposit/mutations?cursor=0&limit=20&mutasiType=all HTTP/1.1
Authorization: Bearer <access-token>

{
  "items": [
    {
      "mutationId": "MUT-20261020-8812",
      "mutasiType": "credited",
      "amount": 500000,
      "runningBalance": 1850000,
      "description": "Top up VA Bank Sahabat Sampoerna",
      "orderId": "ORD-552190",
      "transactionDate": "2026-10-20T08:14:22+07:00"
    }
  ],
  "nextCursor": "20"
}

Deposit virtual-account top-up

POST /v1/wallets/deposit/topup-va openbanking

Mints a Bank Sahabat Sampoerna virtual-account number so the agent can fund Deposit Balance, returning adminFee and expiry.

Auth: Bearer accessToken from phone OTP login; six-digit account PIN on confirm

topUpAmount
paymentMethod
bankCode
couponCode
topUpId
virtualAccountNumber
accountHolderName
bankName
adminFee
totalPayment
expiredAt
status

POST /v1/wallets/deposit/topup-va HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{
  "topUpAmount": 500000,
  "paymentMethod": "VIRTUAL_ACCOUNT",
  "bankCode": "SAHABAT_SAMPOERNA",
  "couponCode": null
}

{
  "topUpId": "TU-77821",
  "virtualAccountNumber": "8830123456789012",
  "accountHolderName": "PT PAYFAZZ TEKNOLOGI NUSANTARA",
  "bankName": "Bank Sahabat Sampoerna",
  "topUpAmount": 500000,
  "adminFee": 1500,
  "totalPayment": 501500,
  "expiredAt": "2026-10-20T09:14:22+07:00",
  "status": "WAITING"
}

Mobile prepaid (pulsa) purchase

POST /v1/ppob/prepaid/mobile opendata

Sells a prepaid pulsa/data denom to a customer number, returning orderId, serialNumber, transactionCost and the agent's selling-price markup.

Auth: Bearer accessToken from phone OTP login; six-digit account PIN on confirm

phoneNumber
operator
denom
sellingPrice
saveCustomer
customerName
orderId
productType
transactionCost
agentProfit
serialNumber
transactionStatus
transactionDate

POST /v1/ppob/prepaid/mobile HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{
  "phoneNumber": "081234567890",
  "operator": "TELKOMSEL",
  "denom": 50000,
  "sellingPrice": 51500,
  "saveCustomer": true,
  "customerName": "Budi"
}

{
  "orderId": "ORD-662101",
  "productType": "MOBILE_PREPAID",
  "phoneNumber": "081234567890",
  "operator": "TELKOMSEL",
  "denom": 50000,
  "transactionCost": 50200,
  "sellingPrice": 51500,
  "agentProfit": 1300,
  "serialNumber": "S/N-8810293",
  "transactionStatus": "SUCCESSFUL",
  "transactionDate": "2026-10-20T08:21:03+07:00"
}

PLN prepaid token

POST /v1/ppob/pln/prepaid opendata

Buys a PLN prepaid token against a meter / customer ID and returns the 20-digit serialToken, kWh and PLN-recommended selling price for the thermal receipt.

Auth: Bearer accessToken from phone OTP login; six-digit account PIN on confirm

meterNumber
customerId
subscriberName
tarifDaya
denom
adminFee
kwhAmount
serialToken
recommendedSellingPrice
orderId
productType
transactionStatus

POST /v1/ppob/pln/prepaid HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{
  "meterNumber": "32123456789",
  "denom": 100000
}

{
  "orderId": "ORD-662188",
  "productType": "PLN_PREPAID",
  "meterNumber": "32123456789",
  "customerId": "551234567890",
  "subscriberName": "SITI AMINAH",
  "tarifDaya": "R1/1300",
  "denom": 100000,
  "adminFee": 3000,
  "kwhAmount": 67.5,
  "serialToken": "1234-5678-9012-3456-7890",
  "recommendedSellingPrice": 103000,
  "transactionStatus": "SUCCESSFUL"
}

Bank transfer for customers

POST /v1/transfers/bank openbanking

Sends an IDR bank transfer to a destination account (BCA/BRI/BNI/Mandiri and 130+ others), quoting transferFee and shippingCost before debiting Deposit Balance.

Auth: Bearer accessToken from phone OTP login; six-digit account PIN on confirm; basic e-KTP verification required for financial features

bankCode
accountNumber
accountHolderName
transferAmount
saveAccount
savedAccName
orderId
bankName
transferFee
shippingCost
totalPayment
transactionStatus
transactionDate

POST /v1/transfers/bank HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{
  "bankCode": "BCA",
  "accountNumber": "1234567890",
  "accountHolderName": "ADA PUTRI",
  "transferAmount": 1500000,
  "saveAccount": true,
  "savedAccName": "Ada"
}

{
  "orderId": "ORD-770214",
  "bankName": "BCA",
  "accountNumber": "1234567890",
  "accountHolderName": "ADA PUTRI",
  "transferAmount": 1500000,
  "transferFee": 1000,
  "shippingCost": 2500,
  "totalPayment": 1503500,
  "transactionStatus": "PROCESSING",
  "transactionDate": "2026-10-20T08:40:11+07:00"
}

Static QRIS plate

GET /v1/qris/static opendata

Returns the printable static QRIS Tempel plate (NMID, store name, EMV payload) that disburses inbound scans straight into Deposit Balance.

Auth: Bearer accessToken from phone OTP login; QRIS merchant registration must be active

nmid
storeName
qrisType
qrisName
status
qrPayload
qrImageUrl
directDisbursement
disbursementDestination

GET /v1/qris/static HTTP/1.1
Authorization: Bearer <access-token>

{
  "nmid": "ID2025123456789",
  "storeName": "Warung Sari",
  "qrisType": "STATIC",
  "qrisName": "QRIS Tempel",
  "status": "ACTIVE",
  "qrPayload": "00020101021126...",
  "qrImageUrl": "https://files.example/qris/AGT-10482.png",
  "directDisbursement": true,
  "disbursementDestination": "DEPOSIT_BALANCE"
}

Dynamic QRIS charge

POST /v1/qris/dynamic openfinance

Mints a one-off QRIS Atur Harga code for a keyed-in payment amount, with a cancel-in timer, that settles into Deposit Balance.

Auth: Bearer accessToken from phone OTP login; six-digit account PIN on confirm

transactionAmount
storeName
orderId
qrisType
qrisName
qrPayload
cancelInSeconds
status
disbursementDestination

POST /v1/qris/dynamic HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{
  "transactionAmount": 75000,
  "storeName": "Warung Sari"
}

{
  "orderId": "QR-99012",
  "qrisType": "DYNAMIC",
  "qrisName": "QRIS Atur Harga",
  "transactionAmount": 75000,
  "qrPayload": "00020101021226...",
  "cancelInSeconds": 180,
  "status": "WAITING",
  "disbursementDestination": "DEPOSIT_BALANCE"
}

QRIS payment settlement detail

GET /v1/qris/transactions/{orderId} openfinance

Loads one Terima QRIS payment: NMID, fees and the disbursementAmount credited to Deposit Balance (Accepted vs Disbursed).

Auth: Bearer accessToken from phone OTP login

orderId
transactionTime
disbursementTime
qrisType
disbursementType
storeName
customerName
nmid
transactionAmount
serviceFeePercent
serviceFee
disbursementFeePercent
disbursementFee
disbursementAmount
status

GET /v1/qris/transactions/QR-99012 HTTP/1.1
Authorization: Bearer <access-token>

{
  "orderId": "QR-99012",
  "transactionTime": "2026-10-20T08:44:10+07:00",
  "disbursementTime": "2026-10-20T08:44:18+07:00",
  "qrisType": "DYNAMIC",
  "disbursementType": "INSTANT",
  "storeName": "Warung Sari",
  "customerName": "Rina",
  "nmid": "ID2025123456789",
  "transactionAmount": 75000,
  "serviceFeePercent": 0.7,
  "serviceFee": 525,
  "disbursementFeePercent": 0.0,
  "disbursementFee": 0,
  "disbursementAmount": 74475,
  "status": "SETTLED"
}

e-KTP basic verification

POST /v1/kyc/ektp osint

Submits the four-step basic verification (e-KTP photo, 16-digit NIK, face liveness, occupation & income) that unlocks bank transfer and other financial features.

Auth: Bearer accessToken from phone OTP login

nikNumber
fullName
birthPlace
dob
motherMaidenName
ktpImageRef
livenessSessionId
occupation
sourceOfFunds
monthlySalary
kycId
kycStatus
verificationType
maxProcessingDays
livenessPassed

POST /v1/kyc/ektp HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{
  "nikNumber": "3171xxxxxxxxxxxx",
  "fullName": "BUDI SANTOSO",
  "birthPlace": "Jakarta",
  "dob": "1990-04-12",
  "motherMaidenName": "SRI WAHYUNI",
  "ktpImageRef": "img-ktp-10482",
  "livenessSessionId": "vh-8c21",
  "occupation": "Pedagang",
  "sourceOfFunds": "Usaha",
  "monthlySalary": "5000000-10000000"
}

{
  "kycId": "KYC-44190",
  "kycStatus": "SUBMITTED",
  "verificationType": "BASIC",
  "maxProcessingDays": 1,
  "livenessPassed": true,
  "submittedAt": "2026-10-20T08:50:00+07:00"
}

Modal Payfazz loan snapshot
GET /v1/loans/modal openfinance
Reads the Modal Payfazz working-capital line: limit, outstanding bill, tenor, lateFee and auto-renew flag used to fund PPOB when Deposit Balance is short.
Auth: Bearer accessToken from phone OTP login; cooperative / store-visit activation must be complete
- activationStatus
- loanLimit
- availableLimit
- outstandingPrincipal
- loanBillTotal
- lateFee
- tenorDays
- autoRenew
- dpd
- loanPurpose
- currency
```
GET /v1/loans/modal HTTP/1.1
Authorization: Bearer <access-token>
```
```
{
  "activationStatus": "ACTIVE",
  "loanLimit": 10000000,
  "availableLimit": 6500000,
  "outstandingPrincipal": 3500000,
  "loanBillTotal": 3720000,
  "lateFee": 0,
  "tenorDays": 30,
  "autoRenew": true,
  "dpd": 0,
  "loanPurpose": "BUSINESS_CAPITAL",
  "currency": "IDR"
}
```

Data categories

balances
transactions
payments
qris
ppob
kyc
lending

Where teams use this data

PPOB agent working-capital recon
A distributor ERP pulls depositBalance, mutasiType rows and pulsa/PLN orderId receipts each night so the agent's float, serialToken stock and sellingPrice markup match the warehouse ledger.
QRIS settlement ops for multi-warung brands
A franchise ops bot reprints nmid plates, watches disbursementAmount versus transactionAmount after serviceFee, and flags dynamic QRIS charges that stay WAITING past cancelInSeconds.
Bank-transfer exception desk
A support desk matches customer accountHolderName / accountNumber sends against PROCESSING rows and KYC nikNumber so mis-keyed BCA/BRI destinations can be held before Deposit Balance moves.
Modal Payfazz utilization watch
A lending-ops dashboard tracks loanLimit, availableLimit, dpd and lateFee so revolving autoRenew is paused when the warung's PPOB volume drops or the store-visit activation lapses.

Frequently asked questions

What agent data does Payfazz expose?

The reconstructed surface covers Deposit Balance (depositBalance, cashfazzBalance, mutations), pulsa and PLN token orders (operator, denom, meterNumber, serialToken), QRIS plates and settlements (nmid, qrisType, disbursementAmount), customer bank transfers, e-KTP KYC (nikNumber) and the Modal Payfazz working-capital line (loanLimit, lateFee).

How does the app authenticate agents?

Agents sign in with a mobile number and SMS OTP; the client keeps an accessToken as a Bearer header. Money-moving screens (top-up, pulsa, transfer, dynamic QRIS) also prompt the six-digit account PIN set at registration. Bank transfer and Modal Payfazz further require basic e-KTP verification.

Can I get QRIS settlements, not just the NMID plate?

Yes. Static QRIS Tempel returns nmid and a printable payload; each inbound payment then carries transactionAmount, serviceFee, disbursementType (instant vs non-instant) and disbursementAmount credited to Deposit Balance, with status Accepted or Disbursed.

Is this a public Payfazz developer API?

No. These are first-party calls the Fazz Agen app makes after login to render its own wallet, PPOB, QRIS and Modal screens — reconstructed from those features, not a published partner API.

Apps similar to Payfazz: Pulsa, PPOB, QRIS&EDC

BukuWarung Apps for MSMEs — BukuWarung is an Indonesian MSME app for bookkeeping that also lets payment agents sell phone credit, PLN electricity tokens, e-wallet top-ups, data packages and monthly bills.
GoPay Merchant: QRIS — GoPay Merchant is GoTo's Indonesian shop app for issuing a QRIS plate, accepting scans from GoPay, DANA, OVO, ShopeePay and banks, and withdrawing settlements to a bank account.
DANA Kasir — DANA Kasir is the till app for DANA Bisnis merchants, used to share static or dynamic QR codes, log in-and-out transactions in real time, and skip a separate EDC terminal.
Mitra Bukalapak — Mitra Bukalapak is a B2B app for Indonesian stalls and kiosks to sell mobile credit, PPOB bills (PLN, BPJS, PDAM, Telkom/IndiHome), game vouchers, bank transfers and e-wallet top-ups.
Mitra Shopee: Kirim Uang, PPOB — Mitra Shopee is an agent app for bank transfers, ShopeePay/DANA/GoPay/OVO/LinkAja top-ups, telco credit and data, PLN tokens, and BPJS, PDAM and Telkom bill pay.
Bisatopup - Agen Pulsa & PPOB — Bisatopup is a PPOB agent app for selling Telkomsel, Indosat, XL, Axis and Smartfren credit, PLN tokens, PDAM/BPJS/internet bills, OVO/GoPay/DANA/ShopeePay top-ups and game vouchers.
Kios Pulsa - Agen Pulsa Murah — Kios Pulsa is an Indonesian agent app for mobile credit, data plans, PLN tokens, game vouchers and multi-bill payments including PLN, BPJS, PDAM, Telkom, TV and multifinance.

More Payments apps

Topics

Payfazz API
Fazz Agen
QRIS NMID
PPOB pulsa
PLN token
Saldo Simpanan
Modal Payfazz
Indonesian MSME payments
EDC Mini
QRISuara

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Payfazz Agen data API: saldo, QRIS and PPOB

Screenshots

API surface

Phone OTP session

Deposit wallet snapshot

Wallet mutations ledger

Deposit virtual-account top-up

Mobile prepaid (pulsa) purchase

PLN prepaid token

Bank transfer for customers

Static QRIS plate

Dynamic QRIS charge

QRIS payment settlement detail

e-KTP basic verification

Modal Payfazz loan snapshot

Data categories

Where teams use this data

PPOB agent working-capital recon

QRIS settlement ops for multi-warung brands

Bank-transfer exception desk

Modal Payfazz utilization watch

Frequently asked questions

Apps similar to Payfazz: Pulsa, PPOB, QRIS&EDC

More Payments apps

BharatPe for Business

BrasilCard Cliente

BukuWarung Apps for MSMEs

CashBook - Balance & Expense

Topics

Need this app's data API integrated?

Payfazz Agen data API: saldo, QRIS and PPOB

Screenshots

API surface

Phone OTP session

Deposit wallet snapshot

Wallet mutations ledger

Deposit virtual-account top-up

Mobile prepaid (pulsa) purchase

PLN prepaid token

Bank transfer for customers

Static QRIS plate

Dynamic QRIS charge

QRIS payment settlement detail

e-KTP basic verification

Modal Payfazz loan snapshot

Data categories

Where teams use this data

PPOB agent working-capital recon

QRIS settlement ops for multi-warung brands

Bank-transfer exception desk

Modal Payfazz utilization watch

Frequently asked questions

Related apps

Apps similar to Payfazz: Pulsa, PPOB, QRIS&EDC

More Payments apps

BharatPe for Business

BrasilCard Cliente

BukuWarung Apps for MSMEs

CashBook - Balance & Expense

Topics

Need this app's data API integrated?