MertaLink API Documentation

Fast, Secure, and Reliable Payment Solution

API Features

RESTful API design, simple and easy to use
Supports PHP, Python, Golang and more
Complete payment flow: payment, query, disbursement, etc.
Real-time callback notification
MD5 and SHA256 signature verification

Basic Rules

Request URL

Production Environment:

https://api.mertalink.com/merta-api

Request Method

POST

Content-Type

application/json

Payment API

API URL: /payment

Create new payment order

POST

Request Parameters

Parameter Name	Description	Type	Required	Example
merchantCode	Merchant Code	String	Y	test
orderNumber	Order Number	String	Y	1604384758793
amount	Amount	Integer	Y	40000
phone	Phone	String	Y	08123456789
email	Email	String	Y	test@test.com
userName	Name	String	Y	John Doe
walletNumber	Wallet Number	String	N	08821900000
channelCode	Channel Code	String	Y	M1
returnUrl	Return URL	String	N	http://test/return
callbackUrl	Callback URL	String	Y	http://test/callback
sign	Signature	String	Y	MD5(...)

Signature Rule

MD5(amount + callbackUrl + channelCode + merchantCode + orderNumber + md5_key)

Response Parameters

Parameter Name	Description	Type	Example
code	Response Code	String	000
message	Response Message	String	success
orderNumber	Order ID	String	O3915CB3C93E445C9
paymentUrl	Payment URL	String	http://xxx.xxx/
qrcode	QR Code	String	Returned for QRIS payment

Request Example

{
  "merchantCode": "test",
  "orderNumber": "1604384758793",
  "amount": 40000,
  "phone": "08123456789",
  "email": "test@test.com",
  "userName": "John Doe",
  "channelCode": "M1",
  "returnUrl": "http://test/return",
  "callbackUrl": "http://test/callback",
  "sign": "a1b2c3d4e5f6..."
}

Response Example

{
  "code": "000",
  "message": "success",
  "orderNumber": "O3915CB3C93E445C9",
  "paymentUrl": "http://xxx.xxx/",
  "qrcode": "data:image/png;base64,..."
}

Code Examples

package com.customer.demo;

import cn.hutool.crypto.digest.DigestAlgorithm;
import cn.hutool.crypto.digest.Digester;
import cn.hutool.http.HttpUtil;
import com.alibaba.fastjson.JSON;

import java.util.HashMap;
import java.util.Map;

public class ZkpayPaymentDemo {

 public static void main(String[] args) {

 String url = "https://api.mertalink.com/merta-api/payment";

 String merchantCode = "test";
 String key = "Gjon5exBp34mkNUU0r4wk2delkbclF4i";
 String orderNumber = System.currentTimeMillis() + "";
 Integer amount = 40000;
 String phone = "08123456789";
 String email = "test@test.com";
 String userName = "John Doe";
 String channelCode = "M1";
 String returnUrl = "http://test/return";
 String callbackUrl = "http://test/callback";
 Digester md5 = new Digester(DigestAlgorithm.MD5);

 String signOrigin = amount + callbackUrl + channelCode + merchantCode + orderNumber + key;
 String sign = md5.digestHex(signOrigin);
 System.out.println(sign);
 Map<String, Object> param = new HashMap<>();
 param.put("merchantCode", merchantCode);
 param.put("orderNumber", orderNumber);
 param.put("amount", amount);
 param.put("phone", phone);
 param.put("email", email);
 param.put("userName", userName);
 param.put("channelCode", channelCode);
 param.put("returnUrl", returnUrl);
 param.put("callbackUrl", callbackUrl);
 param.put("sign", sign);

 String sendParam = JSON.toJSONString(param);
 System.out.println("request==> " + sendParam);

 String result = HttpUtil.post(url, sendParam, 10000);

 System.out.println("response==> " + result);

 }

}

Payment Query

API URL: /checkPayment

Query payment order status

POST

Request Parameters

Parameter Name	Description	Type	Required	Example
merchantCode	Merchant Code	String	Y	test
orderNumber	Order Number	String	Y	1604384758793
sign	Signature	String	Y	MD5(...)

Signature Rule

MD5(merchantCode + orderNumber + md5_key)

Response Parameters

Parameter Name	Description	Type	Example
code	Response Code	String	000
status	Payment Status	int	0 Pending, 1 Success, 2 Failed
amount	Payment Amount	Integer	40000

Request Example

{
  "merchantCode": "test",
  "orderNumber": "1604384758793",
  "sign": "a1b2c3d4e5f6..."
}

Response Example

{
  "code": "000",
  "status": 1,
  "amount": 40000
}

Code Examples

package com.customer.demo;

import cn.hutool.crypto.digest.DigestAlgorithm;
import cn.hutool.crypto.digest.Digester;
import cn.hutool.http.HttpUtil;
import com.alibaba.fastjson.JSON;

import java.util.HashMap;
import java.util.Map;

public class ZkpayCheckPaymentDemo {

 public static void main(String[] args) {

 String url = "https://api.mertalink.com/merta-api/checkPayment";

 String merchantCode = "test";
 String key = "Gjon5exBp34mkNUU0r4wk2delkbclF4i";
 String orderNumber = "1604384758793";
 Digester md5 = new Digester(DigestAlgorithm.MD5);

 String signOrigin = merchantCode + orderNumber + key;
 String sign = md5.digestHex(signOrigin);
 Map<String, Object> param = new HashMap<>();
 param.put("merchantCode", merchantCode);
 param.put("orderNumber", orderNumber);
 param.put("sign", sign);

 String sendParam = JSON.toJSONString(param);
 System.out.println("request==> " + sendParam);

 String result = HttpUtil.post(url, sendParam, 10000);

 System.out.println("response==> " + result);

 }

}

Disbursement API

API URL: /disbursement

Initiate Disbursement Request

POST

Request Parameters

Parameter Name	Description	Type	Required
merchantCode	Merchant Code	String	Y
orderNumber	Order Number	String	Y
amount	Amount	Integer	Y
bankAccount	Bank Account	String	Y
bankCode	Bank Code	String	Y
sign	Signature	String	Y

Signature Rule

SHA256(amount + bankAccount + bankCode + callbackUrl + channelCode + merchantCode + orderNumber + sha256_key)

Request Example

{
  "merchantCode": "test",
  "orderNumber": "1604384758793",
  "amount": 50000,
  "bankAccount": "1234567890",
  "bankCode": "BCA",
  "channelCode": "B1",
  "callbackUrl": "http://test/callback",
  "sign": "a1b2c3d4e5f6..."
}

Response Example

{
  "code": "000",
  "message": "success",
  "orderNumber": "O3915CB3C93E445C9"
}

Code Examples

package com.customer.demo;

import cn.hutool.crypto.digest.DigestAlgorithm;
import cn.hutool.crypto.digest.Digester;
import cn.hutool.http.HttpUtil;
import com.alibaba.fastjson.JSON;

import java.util.HashMap;
import java.util.Map;

public class ZkpayDisbursementDemo {

 public static void main(String[] args) {

 String url = "https://api.mertalink.com/merta-api/disbursement";

 String merchantCode = "test";
 String key = "Gjon5exBp34mkNUU0r4wk2delkbclF4i";
 String orderNumber = System.currentTimeMillis() + "";
 Integer amount = 50000;
 String bankAccount = "1234567890";
 String bankCode = "BCA";
 String callbackUrl = "http://test/callback";
 String channelCode = "B1";
 Digester sha256 = new Digester(DigestAlgorithm.SHA256);

 String signOrigin = amount + bankAccount + bankCode + callbackUrl + channelCode + merchantCode + orderNumber + key;
 String sign = sha256.digestHex(signOrigin);
 Map<String, Object> param = new HashMap<>();
 param.put("merchantCode", merchantCode);
 param.put("orderNumber", orderNumber);
 param.put("amount", amount);
 param.put("bankAccount", bankAccount);
 param.put("bankCode", bankCode);
 param.put("channelCode", channelCode);
 param.put("callbackUrl", callbackUrl);
 param.put("sign", sign);

 String sendParam = JSON.toJSONString(param);
 System.out.println("request==> " + sendParam);

 String result = HttpUtil.post(url, sendParam, 10000);

 System.out.println("response==> " + result);

 }

}

Disbursement Query

API URL: /checkDisbursement

Query disbursement order status

POST

Request Parameters

Parameter Name	Description	Type	Required	Example
merchantCode	Merchant Code	String	Y	test
orderNumber	Order Number	String	Y	1604384758793

Signature Rule

SHA256(merchantCode + orderNumber + sha256_key)

Request Example

{
  "merchantCode": "test",
  "orderNumber": "1604384758793",
  "sign": "a1b2c3d4e5f6..."
}

Response Example

{
  "code": "000",
  "status": 1,
  "amount": 50000
}

Code Examples

package com.customer.demo;

import cn.hutool.crypto.digest.DigestAlgorithm;
import cn.hutool.crypto.digest.Digester;
import cn.hutool.http.HttpUtil;
import com.alibaba.fastjson.JSON;

import java.util.HashMap;
import java.util.Map;

public class ZkpayCheckDisbursementDemo {

 public static void main(String[] args) {

 String url = "https://api.mertalink.com/merta-api/checkDisbursement";

 String merchantCode = "test";
 String key = "Gjon5exBp34mkNUU0r4wk2delkbclF4i";
 String orderNumber = "1604384758793";
 Digester sha256 = new Digester(DigestAlgorithm.SHA256);

 String signOrigin = merchantCode + orderNumber + key;
 String sign = sha256.digestHex(signOrigin);
 Map<String, Object> param = new HashMap<>();
 param.put("merchantCode", merchantCode);
 param.put("orderNumber", orderNumber);
 param.put("sign", sign);

 String sendParam = JSON.toJSONString(param);
 System.out.println("request==> " + sendParam);

 String result = HttpUtil.post(url, sendParam, 10000);

 System.out.println("response==> " + result);

 }

}

Available Channels

API URL: /queryChannel

Query available payment channels

Signature Rule：MD5(merchantCode + timestamp + key)

Balance Query

API URL: /checkBalance

Query merchant balance

Signature Rule：SHA256(merchantCode + timestamp + sha256_key)

Async Callback

Payment Callback

After payment is completed, the system will send a POST request to your configured callbackUrl

Callback Parameters

Parameter Name	Description	Type	Example
orderNumber	Merchant Order Number	String	1604384758793
status	Order Status: 0 Pending, 1 Success, 2 Failed	Integer	1
amount	Payment Amount	Integer	40000
sign	Signature: MD5(orderNumber + status + amount + key)	String	a1b2c3d4e5f6

Callback Example

{
  "orderNumber": "1604384758793",
  "status": 1,
  "amount": 40000,
  "sign": "a1b2c3d4e5f6"
}

Response: Please return string "success" to confirm receipt of callback

Disbursement Callback

After disbursement is completed, the system will send a POST request to your configured callbackUrl

Callback Parameters

Parameter Name	Description	Type	Example
orderNumber	Merchant Order Number	String	1604384758793
status	Order Status: 0 Processing, 1 Success, 2 Failed	Integer	1
amount	Disbursement Amount	Integer	50000
sign	Signature: SHA256(orderNumber + status + amount + key)	String	a1b2c3d4e5f6

Callback Example

{
  "orderNumber": "1604384758793",
  "status": 1,
  "amount": 50000,
  "sign": "a1b2c3d4e5f6"
}

Response: Please return string "success" to confirm receipt of callback

Payment Channel Code Reference

Channel Code List

channel_code	bank_name
QRIS	QRIS
VC	Credit Card (Visa / Master)
BK	BCA KlikPay
BCA	BCA Virtual Account
BBC	BCA BC
M1	Mandiri Virtual Account
ME	Mandiri eCash
MP	Mandiri PC
BT	Permata Bank Virtual Account
PN	Permata Net
A1	ATM Bersama
B1	CIMB Niaga Virtual Account
I1	BNI Virtual Account
VA	Maybank Virtual Account
M2U	Maybank2U
FT	Ritel
OV	OVO
LA	LINKAJA
DANA	DANA
SP	Shopee Pay
SA	Shopee Pay Apps
AG	Bank Artha Graha

Bank Code Reference

Bank Code List

bank_code	bank_name
BCA	Bank BCA
BRI	Bank BRI
MANDIRI	BANK MANDIRI
BNI	BANK BNI 46
CIMB	BANK CIMB NIAGA
PERMATA	BANK PERMATA
BJB	Bank BJB
DANAMON	BANK DANAMON INDONESIA
BTN	Bank BTN
MAYBANK	BANK MAYBANK INDONESIA
SINARMAS	BANK SINARMAS
PANIN	BANK PANIN
BNI_SYR	BANK BNI SYARIAH
MANDIRI_SYR	BANK SYARIAH MANDIRI
DKI	BPD DKI JAKARTA
MEGA	BANK MEGA
BSI	BSI (Bank Syariah Indonesia)
BTPN	Bank BTPN
BRI_SYR	BANK BRI SYARIAH
MUAMALAT	BANK MUAMALAT INDONESIA
OCBC	BANK OCBC NISP
OVO	OVO
LINKAJA	LINKAJA