SNAP Disbursement

SNAP BI-FAST

Create a BI-FAST transfer and retrieve its final outcome.

POST /v2/payments/disbursements/snap/bifast-transfer

Submit a BI-FAST transfer. A successful submission returns Processing, not a completed transfer.

Prepare the transfer

Complete Setup Client Key and Signature and ensure BI-FAST is available for your account.
Set transferType to BI_FAST.
Use a unique partnerReferenceNo for each new transfer.
Provide an amount with two decimal places and currency IDR.
Provide the beneficiary’s bank code, account number, account name, and a remark.
Include all required sender details. Keep identity and account numbers as strings.

For sender location and occupation codes, see Country, Province, City, and Job Codes.

Submit a transfer

Request · cURL

Code
curl --request POST \
  --url '{{base_url}}/v2/payments/disbursements/snap/bifast-transfer' \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer snap_demo_20261020_83ac67125b8f' \
  --header 'X-CLIENT-KEY: 83ac6712-5b8f-4b0d-9e24-63aa79102d45' \
  --header 'X-TIMESTAMP: 2026-10-20T09:00:00+07:00' \
  --header 'X-SIGNATURE: U05BUC1ET0NTLUVYQU1QTEUtU0lHTkFUVVJFLU5PVC1GT1ItQVVUSA==' \
  --header 'X-REFERENCE-ID: 61fd8e9b-4c37-4d5a-83bd-2b4589c0a621' \
  --data-raw '{
  "partnerReferenceNo": "SNAP-BIF-20261020-0001",
  "transferType": "BI_FAST",
  "amount": {
    "value": "11000.00",
    "currency": "IDR"
  },
  "beneficiaryAccountNo": "010800041187",
  "beneficiaryBankCode": "BCA",
  "beneficiaryAccountName": "PROD ONLY",
  "beneficiaryEmail": "",
  "remark": "Payment",
  "sender": {
    "name": "JOHN DOE",
    "identityType": "KTP",
    "identityNumber": "000123456789",
    "countryCode": "ID",
    "provinceCode": "75",
    "cityCode": "3205",
    "jobCode": "3",
    "address": "Jl Sudirman 10 Jakarta",
    "placeOfBirth": "Jakarta",
    "dateOfBirth": "1998-04-23"
  }
}'

Response · HTTP 200

Code
{
  "responseCode": "2000200",
  "responseMessage": "Successful",
  "referenceNo": "BRICK-BIF-20261020-0001",
  "partnerReferenceNo": "SNAP-BIF-20261020-0001",
  "transferType": "BI_FAST",
  "amount": {
    "value": "11000.00",
    "currency": "IDR"
  },
  "beneficiaryAccountNo": "010800041187",
  "beneficiaryBankCode": "BCA",
  "beneficiaryAccountName": "PROD ONLY",
  "latestTransactionStatus": "03",
  "transactionStatusDesc": "Processing",
  "transactionDate": "2026-10-20T09:00:02+07:00"
}

Test scenarios

Use these example bank and account details for the corresponding configured test scenarios.

Scenario	Bank	Account number	Account name	Amount	Required setup
Completed	`BCA`	`010800041187`	`PROD ONLY`	`"11000.00"`	Arrange the completed simulation with Brick.
Processing	`BCA`	`010800041187`	`PROD ONLY`	`"11000.00"`	Arrange the processing simulation with Brick.
Failed	`BCA`	`010800041187`	`PROD ONLY`	`"11000.00"`	Arrange the failed simulation with Brick.

BI-FAST simulation setup All three scenarios use the same baseline details. The amount 11000.00 does not select the outcome. Arrange the corresponding simulation with Brick; do not reuse Regular scenario rules for BI-FAST.

Scenario requests and responses

The following examples show each transfer request, accepted response, and subsequent inquiry. Use Check Status with serviceCode: "02".

Acceptance is not completion Even a transfer that later completes or fails is initially accepted as Processing.

BI-FAST — completed

Transfer request · cURL

Code
curl --request POST \
  --url '{{base_url}}/v2/payments/disbursements/snap/bifast-transfer' \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer snap_demo_20261020_83ac67125b8f' \
  --header 'X-CLIENT-KEY: 83ac6712-5b8f-4b0d-9e24-63aa79102d45' \
  --header 'X-TIMESTAMP: 2026-10-20T09:00:00+07:00' \
  --header 'X-SIGNATURE: U05BUC1ET0NTLUVYQU1QTEUtU0lHTkFUVVJFLU5PVC1GT1ItQVVUSA==' \
  --header 'X-REFERENCE-ID: 61fd8e9b-4c37-4d5a-83bd-2b4589c0a621' \
  --data-raw '{
  "partnerReferenceNo": "SNAP-BIF-20261020-0001",
  "transferType": "BI_FAST",
  "amount": {
    "value": "11000.00",
    "currency": "IDR"
  },
  "beneficiaryAccountNo": "010800041187",
  "beneficiaryBankCode": "BCA",
  "beneficiaryAccountName": "PROD ONLY",
  "beneficiaryEmail": "",
  "remark": "Payment",
  "sender": {
    "name": "JOHN DOE",
    "identityType": "KTP",
    "identityNumber": "000123456789",
    "countryCode": "ID",
    "provinceCode": "75",
    "cityCode": "3205",
    "jobCode": "3",
    "address": "Jl Sudirman 10 Jakarta",
    "placeOfBirth": "Jakarta",
    "dateOfBirth": "1998-04-23"
  }
}'

Accepted response · HTTP 200

Code
{
  "responseCode": "2000200",
  "responseMessage": "Successful",
  "referenceNo": "BRICK-BIF-20261020-0001",
  "partnerReferenceNo": "SNAP-BIF-20261020-0001",
  "transferType": "BI_FAST",
  "amount": {
    "value": "11000.00",
    "currency": "IDR"
  },
  "beneficiaryAccountNo": "010800041187",
  "beneficiaryBankCode": "BCA",
  "beneficiaryAccountName": "PROD ONLY",
  "latestTransactionStatus": "03",
  "transactionStatusDesc": "Processing",
  "transactionDate": "2026-10-20T09:00:02+07:00"
}

Status request · cURL

Code
curl --request POST \
  --url '{{base_url}}/v2/payments/disbursements/snap/status' \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer snap_demo_20261020_83ac67125b8f' \
  --header 'X-CLIENT-KEY: 83ac6712-5b8f-4b0d-9e24-63aa79102d45' \
  --header 'X-TIMESTAMP: 2026-10-20T09:00:00+07:00' \
  --header 'X-SIGNATURE: U05BUC1ET0NTLUVYQU1QTEUtU0lHTkFUVVJFLU5PVC1GT1ItQVVUSA==' \
  --header 'X-REFERENCE-ID: 91fd8e9b-4c37-4d5a-83bd-2b4589c0a622' \
  --data-raw '{
  "originalReferenceNo": "BRICK-BIF-20261020-0001",
  "serviceCode": "02"
}'

Response · HTTP 200

Code
{
  "responseCode": "2000300",
  "responseMessage": "Successful",
  "originalReferenceNo": "BRICK-BIF-20261020-0001",
  "originalPartnerReferenceNo": "SNAP-BIF-20261020-0001",
  "serviceCode": "02",
  "latestTransactionStatus": "00",
  "transactionStatusDesc": "Success"
}

BI-FAST — processing

Transfer request · cURL

Code
curl --request POST \
  --url '{{base_url}}/v2/payments/disbursements/snap/bifast-transfer' \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer snap_demo_20261020_83ac67125b8f' \
  --header 'X-CLIENT-KEY: 83ac6712-5b8f-4b0d-9e24-63aa79102d45' \
  --header 'X-TIMESTAMP: 2026-10-20T09:00:00+07:00' \
  --header 'X-SIGNATURE: U05BUC1ET0NTLUVYQU1QTEUtU0lHTkFUVVJFLU5PVC1GT1ItQVVUSA==' \
  --header 'X-REFERENCE-ID: 61fd8e9b-4c37-4d5a-83bd-2b4589c0a621' \
  --data-raw '{
  "partnerReferenceNo": "SNAP-BIF-20261020-0002",
  "transferType": "BI_FAST",
  "amount": {
    "value": "11000.00",
    "currency": "IDR"
  },
  "beneficiaryAccountNo": "010800041187",
  "beneficiaryBankCode": "BCA",
  "beneficiaryAccountName": "PROD ONLY",
  "beneficiaryEmail": "",
  "remark": "Payment",
  "sender": {
    "name": "JOHN DOE",
    "identityType": "KTP",
    "identityNumber": "000123456789",
    "countryCode": "ID",
    "provinceCode": "75",
    "cityCode": "3205",
    "jobCode": "3",
    "address": "Jl Sudirman 10 Jakarta",
    "placeOfBirth": "Jakarta",
    "dateOfBirth": "1998-04-23"
  }
}'

Accepted response · HTTP 200

Code
{
  "responseCode": "2000200",
  "responseMessage": "Successful",
  "referenceNo": "BRICK-BIF-20261020-0002",
  "partnerReferenceNo": "SNAP-BIF-20261020-0002",
  "transferType": "BI_FAST",
  "amount": {
    "value": "11000.00",
    "currency": "IDR"
  },
  "beneficiaryAccountNo": "010800041187",
  "beneficiaryBankCode": "BCA",
  "beneficiaryAccountName": "PROD ONLY",
  "latestTransactionStatus": "03",
  "transactionStatusDesc": "Processing",
  "transactionDate": "2026-10-20T09:00:02+07:00"
}

Status request · cURL

Code
curl --request POST \
  --url '{{base_url}}/v2/payments/disbursements/snap/status' \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer snap_demo_20261020_83ac67125b8f' \
  --header 'X-CLIENT-KEY: 83ac6712-5b8f-4b0d-9e24-63aa79102d45' \
  --header 'X-TIMESTAMP: 2026-10-20T09:00:00+07:00' \
  --header 'X-SIGNATURE: U05BUC1ET0NTLUVYQU1QTEUtU0lHTkFUVVJFLU5PVC1GT1ItQVVUSA==' \
  --header 'X-REFERENCE-ID: 91fd8e9b-4c37-4d5a-83bd-2b4589c0a622' \
  --data-raw '{
  "originalReferenceNo": "BRICK-BIF-20261020-0002",
  "serviceCode": "02"
}'

Response · HTTP 200

Code
{
  "responseCode": "2000300",
  "responseMessage": "Successful",
  "originalReferenceNo": "BRICK-BIF-20261020-0002",
  "originalPartnerReferenceNo": "SNAP-BIF-20261020-0002",
  "serviceCode": "02",
  "latestTransactionStatus": "03",
  "transactionStatusDesc": "Processing"
}

BI-FAST — failed

Transfer request · cURL

Code
curl --request POST \
  --url '{{base_url}}/v2/payments/disbursements/snap/bifast-transfer' \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer snap_demo_20261020_83ac67125b8f' \
  --header 'X-CLIENT-KEY: 83ac6712-5b8f-4b0d-9e24-63aa79102d45' \
  --header 'X-TIMESTAMP: 2026-10-20T09:00:00+07:00' \
  --header 'X-SIGNATURE: U05BUC1ET0NTLUVYQU1QTEUtU0lHTkFUVVJFLU5PVC1GT1ItQVVUSA==' \
  --header 'X-REFERENCE-ID: 61fd8e9b-4c37-4d5a-83bd-2b4589c0a621' \
  --data-raw '{
  "partnerReferenceNo": "SNAP-BIF-20261020-0003",
  "transferType": "BI_FAST",
  "amount": {
    "value": "11000.00",
    "currency": "IDR"
  },
  "beneficiaryAccountNo": "010800041187",
  "beneficiaryBankCode": "BCA",
  "beneficiaryAccountName": "PROD ONLY",
  "beneficiaryEmail": "",
  "remark": "Payment",
  "sender": {
    "name": "JOHN DOE",
    "identityType": "KTP",
    "identityNumber": "000123456789",
    "countryCode": "ID",
    "provinceCode": "75",
    "cityCode": "3205",
    "jobCode": "3",
    "address": "Jl Sudirman 10 Jakarta",
    "placeOfBirth": "Jakarta",
    "dateOfBirth": "1998-04-23"
  }
}'

Accepted response · HTTP 200

Code
{
  "responseCode": "2000200",
  "responseMessage": "Successful",
  "referenceNo": "BRICK-BIF-20261020-0003",
  "partnerReferenceNo": "SNAP-BIF-20261020-0003",
  "transferType": "BI_FAST",
  "amount": {
    "value": "11000.00",
    "currency": "IDR"
  },
  "beneficiaryAccountNo": "010800041187",
  "beneficiaryBankCode": "BCA",
  "beneficiaryAccountName": "PROD ONLY",
  "latestTransactionStatus": "03",
  "transactionStatusDesc": "Processing",
  "transactionDate": "2026-10-20T09:00:02+07:00"
}

Status request · cURL

Code
curl --request POST \
  --url '{{base_url}}/v2/payments/disbursements/snap/status' \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer snap_demo_20261020_83ac67125b8f' \
  --header 'X-CLIENT-KEY: 83ac6712-5b8f-4b0d-9e24-63aa79102d45' \
  --header 'X-TIMESTAMP: 2026-10-20T09:00:00+07:00' \
  --header 'X-SIGNATURE: U05BUC1ET0NTLUVYQU1QTEUtU0lHTkFUVVJFLU5PVC1GT1ItQVVUSA==' \
  --header 'X-REFERENCE-ID: 91fd8e9b-4c37-4d5a-83bd-2b4589c0a622' \
  --data-raw '{
  "originalReferenceNo": "BRICK-BIF-20261020-0003",
  "serviceCode": "02"
}'

Illustrative failed response · HTTP 200

Code
{
  "responseCode": "2000300",
  "responseMessage": "Successful",
  "originalReferenceNo": "BRICK-BIF-20261020-0003",
  "originalPartnerReferenceNo": "SNAP-BIF-20261020-0003",
  "serviceCode": "02",
  "latestTransactionStatus": "06",
  "transactionStatusDesc": "Failed",
  "errorCode": "5000100",
  "errorDetailCode": "general_error",
  "failureMessage": "General Error",
  "category": "Failed"
}

This transfer has failed. Check errorCode, errorDetailCode, and failureMessage for the failure reason.

Look up by partner reference

Alternative request · cURL

Code
curl --request POST \
  --url '{{base_url}}/v2/payments/disbursements/snap/status' \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer snap_demo_20261020_83ac67125b8f' \
  --header 'X-CLIENT-KEY: 83ac6712-5b8f-4b0d-9e24-63aa79102d45' \
  --header 'X-TIMESTAMP: 2026-10-20T09:00:00+07:00' \
  --header 'X-SIGNATURE: U05BUC1ET0NTLUVYQU1QTEUtU0lHTkFUVVJFLU5PVC1GT1ItQVVUSA==' \
  --header 'X-REFERENCE-ID: 61fd8e9b-4c37-4d5a-83bd-2b4589c0a621' \
  --data-raw '{
  "originalPartnerReferenceNo": "SNAP-BIF-20261020-0001",
  "serviceCode": "02"
}'

Supply only one lookup reference. A successful response includes both references.

For recovery guidance, see Error Handling.

Last modified on October 22, 2026