BAF Mobile 数据 API:Yamaha 分期、虚拟账户账单与现金贷字段
BAF Mobile - Cicilan Pinjaman 是 PT Bussan Auto Finance 的客户端应用。该公司是三井与 Yamaha 系的印尼多金融公司,受印尼金融服务管理局(OJK)监管。应用把 Yamaha 新车、二手车与 Flexy 分期合同集中在同一首页,支持通过虚拟账户、Blu 或 Ayoconnect 绑卡缴纳 tagihan,可预约快递领取 BPKB,并提供 Beatrice、BAF Kilat、PraDana、Dasyat 与伊斯兰融资 Dana Syariah(Syana)等现金融资产品;用户还能查看 BAF Points 积分、浏览合作经销商并试算分期。Privy 电子签、Vida 人脸验证、PIN 保护以及短信或 WhatsApp 一次性验证码贯穿客户使用流程。应用仅面向印尼,服务 Yamaha 购车用户及其他多金融借款人,与 adiraku、FIFGO 和 Home Credit 争夺同一批 cicilan 用户。
Yamaha 分期行把 agreementNo 钉在 totalTagihan 与 dueDate 上,还款阶梯在 jadwalAngsuran(AngsuranKe、Pokok、Bunga、denda)。付款记录把 transactionId 与 paymentStatus、virtualAccountNumber 配对;Flexy 账单金额落在 amountMinPay 与 amountMaxPay 之间,区分分期义务与客户自选付款额。
Beatrice 现金额度发布 plafond、BeatriceHID、approveUseLimit 与 limitBeatriceExpired,Dasyat 提现以 disburseAmount 打到 accountNumber(disburseStatus 记录状态),BAF Points 落在 bafPoint、loyaltyLevel 与 pointExpiry,agreeUseBafPoint 记录抵扣分期的偏好。
参考数据与账户记录并行:经销商条目含 dealerCode、dealerName、kota、kodePos 与 openHour,分期试算把 otr、dpAmount、tenor、promoCode 换算为 amountInstallment、Bunga 与 AdminFeeValue。经销商可用 noPolisi 对交车,资金团队对账已授权的付款记录,信贷与积分系统监控额度、放款与兑换偏好。openData Studio 把这些合同、账单、信贷、积分与经销商字段变成可调用的开放数据;端点部分为示意路径与模拟记录。
应用截图
API 端点一览
以下端点与请求/响应示例均依据应用界面推导重构,为示意说明,并非实际抓包。
登录后首页
GET
/v1/customer-overviewopenfinance加载登录后首页卡片:custID、NIK、在途 agreementNo、totalTagihan、dueDate、剩余 plafond、BAF Kilat 资格、loyaltyLevel 与 bafPoint,以及主导 CTA 的 homepageAction。
认证方式: Authorization Bearer accessToken,另附 x-api-key。PIN/OTP 登录后签发 accessToken 与 refreshToken;deviceId 与 channelId 作为伴随请求头。
- custID
- custName
- NIK
- agreementNo
- totalTagihan
- dueDate
- plafond
- eligibleBafKilatPlafond
- loyaltyLevel
- bafPoint
- homepageAction
- isSuccess
- statusCode
- errorDesc
GET /v1/customer-overview?custID=CUST-DEMO-001&deviceId=%3CdeviceId%3E HTTP/1.1 Authorization: Bearer <accessToken> x-api-key: <apiKey>{ "isSuccess": true, "statusCode": "00", "errorDesc": "", "data": { "custID": "CUST-DEMO-001", "custName": "Example Customer", "NIK": "<NIK>", "agreementNo": "AGR-DEMO-001", "totalTagihan": 1850000, "dueDate": "2026-11-05", "plafond": 8000000, "eligibleBafKilatPlafond": true, "loyaltyLevel": "GOLD", "bafPoint": 12500, "homepageAction": "PAY_INSTALLMENT" } }合同列表
GET
/v1/financing-contractsopenfinance列出客户已融资合同,含 agreementNo、productCode(NMC/UMC/Flexy)、tenor、AngsuranKe、amountInstallment、dueDate 与 totalTagihan,供合同选择器使用。
认证方式: Authorization Bearer accessToken,另附 x-api-key。PIN/OTP 登录签发 accessToken 与 refreshToken;deviceId 与 channelId 作为伴随请求头。
- agreementNo
- AgrmntNo
- productCode
- status
- noPolisi
- tenor
- AngsuranKe
- amountInstallment
- dueDate
- totalTagihan
- custID
GET /v1/financing-contracts?custID=CUST-DEMO-001 HTTP/1.1 Authorization: Bearer <accessToken> x-api-key: <apiKey>{ "isSuccess": true, "statusCode": "00", "data": [ { "agreementNo": "AGR-DEMO-001", "AgrmntNo": "AGR-DEMO-001", "productCode": "NMC", "status": "ACTIVE", "noPolisi": "<noPolisi>", "tenor": 36, "AngsuranKe": 14, "amountInstallment": 1850000, "dueDate": "2026-11-05", "totalTagihan": 1850000 } ] }分期还款计划
GET
/v1/repayment-schedulesopenfinance按 agreementNo 返回逐期 jadwalAngsuran:AngsuranKe、dueDate、拆成 Pokok 与 Bunga 的 amountInstallment,以及 denda 与 statusInstallment。
认证方式: Authorization Bearer accessToken,另附 x-api-key。PIN/OTP 登录签发 accessToken 与 refreshToken。
- agreementNo
- jadwalAngsuran
- AngsuranKe
- dueDate
- amountInstallment
- Pokok
- Bunga
- denda
- statusInstallment
GET /v1/repayment-schedules?agreementNo=AGR-DEMO-001&custID=CUST-DEMO-001 HTTP/1.1 Authorization: Bearer <accessToken> x-api-key: <apiKey>{ "isSuccess": true, "statusCode": "00", "data": { "agreementNo": "AGR-DEMO-001", "jadwalAngsuran": [ { "AngsuranKe": 14, "dueDate": "2026-09-05", "amountInstallment": 1850000, "Pokok": 1420000, "Bunga": 430000, "denda": 0, "statusInstallment": "PAID" }, { "AngsuranKe": 15, "dueDate": "2026-10-05", "amountInstallment": 1850000, "Pokok": 1445000, "Bunga": 405000, "denda": 25000, "statusInstallment": "DUE" } ] } }还款历史
GET
/v1/settled-installmentsopenfinance按 agreementNo 分页已缴分期,含 AngsuranKe、amount、paymentMethod、virtualAccountNumber、paymentStatus、channel 与 transactionId。
认证方式: Authorization Bearer accessToken,另附 x-api-key。查询参数 agreementNo 指定合同。
- agreementNo
- AngsuranKe
- paymentDate
- amount
- paymentMethod
- virtualAccountNumber
- paymentStatus
- channel
- transactionId
GET /v1/settled-installments?agreementNo=AGR-DEMO-001 HTTP/1.1 Authorization: Bearer <accessToken> x-api-key: <apiKey>{ "isSuccess": true, "statusCode": "00", "data": [ { "agreementNo": "AGR-DEMO-001", "AngsuranKe": 14, "paymentDate": "2026-09-04", "amount": 1850000, "paymentMethod": "VA", "virtualAccountNumber": "<virtualAccountNumber>", "paymentStatus": "SUCCESS", "channel": "BCA", "transactionId": "PAY-DEMO-001" } ] }虚拟账户查询
POST
/v1/bill-accounts/prepareopenfinance为 agreementNo 签发或刷新账单虚拟账户:virtualAccountNumber、totalTagihan、amountMaxPay、bankName 与 IsVirtualAccountExp。
认证方式: Authorization Bearer accessToken,另附 x-api-key。PIN/OTP 登录签发 accessToken 与 refreshToken。
- agreementNo
- virtualAccountNumber
- VirtualAccountNo
- totalTagihan
- amountMaxPay
- bankName
- IsVirtualAccountExp
- dueDate
- custID
- amount
POST /v1/bill-accounts/prepare HTTP/1.1 Authorization: Bearer <accessToken> x-api-key: <apiKey> Content-Type: application/json { "agreementNo": "AGR-DEMO-001", "custID": "CUST-DEMO-001", "amount": 1850000 }{ "isSuccess": true, "statusCode": "00", "data": { "agreementNo": "AGR-DEMO-001", "virtualAccountNumber": "<virtualAccountNumber>", "VirtualAccountNo": "<virtualAccountNumber>", "totalTagihan": 1850000, "amountMaxPay": 5550000, "bankName": "BCA", "IsVirtualAccountExp": false, "dueDate": "2026-11-05" } }Flexy 虚拟账户查询
POST
/v1/flexible-bills/prepareopenfinance按客户自选金额(介于 amountMinPay 与 amountMaxPay)为 Flexy 合同创建虚拟账户,返回 virtualAccountNumber 与 dueDate。
认证方式: Authorization Bearer accessToken,另附 x-api-key。用于 Motor Baru Yamaha Flexy 合同(可变金额账单)。
- agreementNo
- virtualAccountNumber
- amount
- amountMaxPay
- amountMinPay
- IsVirtualAccountExp
- dueDate
- custID
POST /v1/flexible-bills/prepare HTTP/1.1 Authorization: Bearer <accessToken> x-api-key: <apiKey> Content-Type: application/json { "agreementNo": "AGR-DEMO-002", "custID": "CUST-DEMO-001", "amount": 750000 }{ "isSuccess": true, "statusCode": "00", "data": { "agreementNo": "AGR-DEMO-002", "virtualAccountNumber": "<virtualAccountNumber>", "amount": 750000, "amountMaxPay": 3200000, "amountMinPay": 500000, "IsVirtualAccountExp": false, "dueDate": "2026-11-05" } }分期扣款
POST
/v1/installment-orders/submitopenfinance对分期发起扣款(VA、Blu 或已绑定卡),返回确认页所需的 transactionId 与 paymentStatus。
认证方式: Authorization Bearer accessToken,另附 x-api-key。扣款发生在 VA 或 Blu/Ayoconnect 查询之后。
- agreementNo
- custID
- amount
- paymentMethod
- channel
- virtualAccountNumber
- transactionId
- paymentStatus
POST /v1/installment-orders/submit HTTP/1.1 Authorization: Bearer <accessToken> x-api-key: <apiKey> Content-Type: application/json { "agreementNo": "AGR-DEMO-001", "custID": "CUST-DEMO-001", "amount": 1850000, "paymentMethod": "VA", "channel": "BCA", "virtualAccountNumber": "<virtualAccountNumber>" }{ "isSuccess": true, "statusCode": "00", "data": { "transactionId": "PAY-DEMO-002", "paymentStatus": "PENDING", "agreementNo": "AGR-DEMO-001", "amount": 1850000, "paymentMethod": "VA", "virtualAccountNumber": "<virtualAccountNumber>" } }扣款状态查询
POST
/v1/installment-orders/resolveopenfinance轮询已发起的虚拟账户账单,直至 paymentStatus 为 SUCCESS 或 VA 过期(IsVirtualAccountExp)。
认证方式: Authorization Bearer accessToken,另附 x-api-key。扣款后轮询直至已付或过期。
- transactionId
- paymentStatus
- agreementNo
- virtualAccountNumber
- amount
- IsVirtualAccountExp
POST /v1/installment-orders/resolve HTTP/1.1 Authorization: Bearer <accessToken> x-api-key: <apiKey> Content-Type: application/json { "transactionId": "PAY-DEMO-002", "agreementNo": "AGR-DEMO-001", "virtualAccountNumber": "<virtualAccountNumber>" }{ "isSuccess": true, "statusCode": "00", "data": { "transactionId": "PAY-DEMO-002", "paymentStatus": "SUCCESS", "agreementNo": "AGR-DEMO-001", "amount": 1850000, "IsVirtualAccountExp": false } }Beatrice 现金贷财务
GET
/v1/credit-facilities/overviewopenfinance读取 Beatrice 循环现金额度:BeatriceHID、BeatriceTrxID、plafond、tenor、amountInstallment、approveUseLimit 与 limitBeatriceExpired。
认证方式: Authorization Bearer accessToken,另附 x-api-key。需已核准的 Beatrice 额度。
- custID
- BeatriceHID
- BeatriceTrxID
- plafond
- tenor
- amountInstallment
- approveUseLimit
- limitBeatriceExpired
- status
GET /v1/credit-facilities/overview?custID=CUST-DEMO-001&BeatriceHID=FACILITY-DEMO-001 HTTP/1.1 Authorization: Bearer <accessToken> x-api-key: <apiKey>{ "isSuccess": true, "statusCode": "00", "data": { "custID": "CUST-DEMO-001", "BeatriceHID": "FACILITY-DEMO-001", "BeatriceTrxID": "DRAW-DEMO-001", "plafond": 5000000, "tenor": 12, "amountInstallment": 485000, "approveUseLimit": true, "limitBeatriceExpired": false, "status": "ACTIVE" } }Dasyat 放款摘要
GET
/v1/cash-transfers/summaryopenfinance返回 Dasyat 提现摘要:disburseAmount、收款 accountNumber / bankName / accountName、tenor、amountInstallment 与 disburseStatus。
认证方式: Authorization Bearer accessToken,另附 x-api-key。Dasyat 提现核准后展示。
- orderNo
- custID
- disburseAmount
- tenor
- amountInstallment
- accountNumber
- bankName
- accountName
- disburseStatus
GET /v1/cash-transfers/summary?custID=CUST-DEMO-001&orderNo=CASH-DEMO-001 HTTP/1.1 Authorization: Bearer <accessToken> x-api-key: <apiKey>{ "isSuccess": true, "statusCode": "00", "data": { "orderNo": "CASH-DEMO-001", "custID": "CUST-DEMO-001", "disburseAmount": 3000000, "tenor": 6, "amountInstallment": 575000, "accountNumber": "<accountNumber>", "bankName": "BCA", "accountName": "EXAMPLE CUSTOMER", "disburseStatus": "SUCCESS" } }PraDana 额度检查
POST
/v1/credit-applications/quoteopenfinance为 PraDana(及关联 Kilat)现金申请定价:SLIK 闸门后的核准 plafond、tenor、amountInstallment 与 status。
认证方式: Authorization Bearer accessToken,另附 x-api-key。需先完成 PraDana 申请流程中的 NIK 身份核验与 SLIK 信用检查。
- custID
- NIK
- plafond
- tenor
- productCode
- amountInstallment
- eligibleBafKilatPlafond
- status
POST /v1/credit-applications/quote HTTP/1.1 Authorization: Bearer <accessToken> x-api-key: <apiKey> Content-Type: application/json { "custID": "CUST-DEMO-001", "NIK": "<NIK>", "plafond": 10000000, "tenor": 12, "productCode": "PRADANA" }{ "isSuccess": true, "statusCode": "00", "data": { "custID": "CUST-DEMO-001", "NIK": "<NIK>", "plafond": 8000000, "tenor": 12, "amountInstallment": 825000, "eligibleBafKilatPlafond": false, "status": "APPROVED" } }BAF Points 余额
GET
/v1/reward-wallets/summaryopendata读取 BAF Points 钱包:bafPoint 余额、loyaltyLevel / loyaltyLevelCode、pointExpiry,以及客户是否 agreeUseBafPoint 用于抵扣分期。
认证方式: Authorization Bearer accessToken,另附 x-api-key。积分会话支持令牌续期。
- custID
- NIK
- bafPoint
- loyaltyLevel
- loyaltyLevelCode
- pointExpiry
- agreeUseBafPoint
GET /v1/reward-wallets/summary?custID=CUST-DEMO-001&NIK=%3CNIK%3E HTTP/1.1 Authorization: Bearer <accessToken> x-api-key: <apiKey>{ "isSuccess": true, "statusCode": "00", "data": { "custID": "CUST-DEMO-001", "NIK": "<NIK>", "bafPoint": 12500, "loyaltyLevel": "GOLD", "loyaltyLevelCode": "LV2", "pointExpiry": "2027-03-31", "agreeUseBafPoint": true } }合作经销商列表
GET
/v1/financing-partnersopendata列出 BAF 合作(rekanan)Yamaha 经销商,含 dealerCode、kota、alamat、kodePos 与 productCode,供目录与网点取件页使用。
认证方式: 公开目录调用只需 x-api-key(无需客户 Bearer)。可选 city/mitra 过滤。
- dealerCode
- dealerName
- kota
- alamat
- kodePos
- productCode
- openHour
GET /v1/financing-partners?kota=JAKARTA+SELATAN&productCode=NMC HTTP/1.1 x-api-key: <apiKey>{ "isSuccess": true, "statusCode": "00", "data": [ { "dealerCode": "DEALER-DEMO-001", "dealerName": "Example Yamaha Dealer", "kota": "JAKARTA SELATAN", "alamat": "<alamat>", "kodePos": "12420", "productCode": "NMC", "openHour": "08:00-17:00" } ] }分期试算
POST
/v1/financing-quotes/calculateopendata按 otr、dpAmount、tenor 与 promoCode 为 Yamaha / PraDana / Syana 试算定价,得到 amountInstallment、Bunga 与 AdminFeeValue。
认证方式: 公开试算调用使用 x-api-key。已登录会话也可附带 Bearer accessToken。
- productCode
- otr
- dpAmount
- tenor
- amountInstallment
- Bunga
- promoCode
- AdminFeeValue
POST /v1/financing-quotes/calculate HTTP/1.1 x-api-key: <apiKey> Content-Type: application/json { "productCode": "NMC", "otr": 28500000, "dpAmount": 5700000, "tenor": 36, "promoCode": "<promoCode>" }{ "isSuccess": true, "statusCode": "00", "data": { "productCode": "NMC", "otr": 28500000, "dpAmount": 5700000, "tenor": 36, "amountInstallment": 825000, "Bunga": 0.19, "promoCode": "<promoCode>", "AdminFeeValue": 350000 } }创建 PIN
POST
/v1/security-pins/registerosintOTP 之后登记 6 位应用 PIN,返回绑定 deviceId 的 accessToken / refreshToken,供后续私有调用使用。
认证方式: 短信或 WhatsApp OTP 核验后签发 Authorization Bearer accessToken,另附 x-api-key 与 deviceId。
- custID
- deviceId
- pin
- NIK
- accessToken
- refreshToken
POST /v1/security-pins/register HTTP/1.1 Authorization: Bearer <accessToken> x-api-key: <apiKey> Content-Type: application/json { "custID": "CUST-DEMO-001", "deviceId": "<deviceId>", "pin": "<pin>", "NIK": "<NIK>" }{ "isSuccess": true, "statusCode": "00", "data": { "custID": "CUST-DEMO-001", "accessToken": "<accessToken>", "refreshToken": "<refreshToken>", "deviceId": "<deviceId>" } }
数据类别
- 分期合同
- 还款计划
- 虚拟账户账单
- 还款历史
- 现金贷额度
- 放款
- 积分
- 经销商目录
- 信贷试算
- 客户身份
数据使用场景与案例
Yamaha 经销商结算
经销商运营用 agreementNo、noPolisi、AngsuranKe 对展厅交车,并在放行 BPKB 或预约快递取件前核对 totalTagihan 与 dueDate。
虚拟账户对账
资金系统从 GIS 还款列表与 BTRC VA 查询拉取 virtualAccountNumber、amount、paymentStatus,使 BCA/Blu 入账自动挂到正确 AgrmntNo。
Beatrice / Dasyat 额度监控
信贷栈观察 Beatrice 的 plafond、approveUseLimit、limitBeatriceExpired,并记录 Dasyat 的 disburseAmount、accountNumber、disburseStatus 做夜间提现对账。
BAF Points 兑换台账
积分运营读取 bafPoint、loyaltyLevel、pointExpiry,并标记 agreeUseBafPoint,使抵扣分期(tukar ke cicilan)记到当前 totalTagihan。
常见问题
哪些标识把分期合同与付款串起来?
agreementNo 及其别名 AgrmntNo 标识一份融资合同,custID 标识客户;productCode、noPolisi、tenor、AngsuranKe、amountInstallment、dueDate 与 totalTagihan 描述被融资车辆及分期义务。示例使用模拟标识,而非真实客户记录。
Flexy 合同的虚拟账户账单有何不同?
标准账单包含 virtualAccountNumber、totalTagihan、amountMaxPay 与 dueDate;Flexy 另有 amountMinPay,使客户自选金额可落在允许范围内。付款跟踪使用 transactionId、paymentStatus 与 IsVirtualAccountExp。页面展示的路径仅为示意,并不指向任何生产服务。
展示了哪些现金融资与积分字段?
Beatrice 记录含 BeatriceHID、BeatriceTrxID、plafond、approveUseLimit 与 limitBeatriceExpired;Dasyat 放款另有 disburseAmount、accountNumber 与 disburseStatus;PraDana 报价在身份与信用检查后给出 tenor 与 amountInstallment。BAF Points 记录含 bafPoint、loyaltyLevel、pointExpiry 与 agreeUseBafPoint。
示例保留了哪些鉴权方式?
客户操作使用 Authorization Bearer accessToken 加 x-api-key,deviceId 与 channelId 可随会话附带;登录流程包含短信或 WhatsApp 一次性验证与 PIN 设置。经销商目录与试算示例只用 x-api-key,无需客户 Bearer 令牌。所示令牌与密钥值均为占位符。
与 BAF Mobile - Cicilan Pinjaman 相似的应用
- adiraku — adiraku 是印尼 Adira Finance(PT Adira Dinamika Multi Finance Tbk)的客户端,可申请新/二手摩托车与汽车分期、电动自行车贷款,以及以机动车登记证(BPKB)作担保的多用途现金贷。
- FIFGO — FIFGO 是 FIFGROUP 的官方应用,用于申请摩托车、电子产品和数码产品分期,并在同一客户端缴纳分期、查看合同状态与还款记录。
- Home Credit-Pinjaman & Kredit — 印尼 Home Credit(PT Home Credit Indonesia)在合作门店为手机、笔记本、电视和家具提供分期,并另有现金融资与先买后付额度,接受 OJK 监管。
- Kreditplus — Kreditplus(PT KB Finansia Multi Finance)提供手机与数码产品、家具和家电分期,以及以摩托车或汽车 BPKB 作担保的贷款,并可通过 Kreditplus Mobile 缴分期。
- BFI Finance — BFI Finance 是受 OJK 监管的印尼融资公司,提供以摩托车 BPKB 担保、期限最长 24 个月的贷款,以及按车辆价值最高 90%、期限最长四年的汽车 BPKB 取现。
- Astra Credit Companies (ACC) — Astra Credit Companies(ACC)为新车、二手车、重型设备及其他用款需求提供融资,公布期限最长五年,并办理 BPKB、STNK 等车辆文件服务。
- Kredivo - Paylater & Pinjaman — Kredivo 是 PT Kredivo Finance Indonesia 的先买后付与现金贷额度,最高 5,000 万印尼盾,可 30 天一次结清,或按 3 至 24 个月分期在合作商户使用。
- Tunaiku - Pinjaman Dana Online — Tunaiku 是 PT Bank Amar Indonesia 持 OJK 牌照的在线现金贷应用,用于发放印尼盾贷款。
相关主题
- BAF Mobile API
- Bussan Auto Finance
- Yamaha 分期
- agreementNo
- virtualAccountNumber
- jadwalAngsuran
- Beatrice 额度
- BAF Points
- PraDana
- Dasyat 放款
- 经销商目录
- 分期试算
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