# SNAP BI-FAST

> This SNAP Disbursement guide is currently available in English.

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](/brickfast-disbursement/snap/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](https://docs.onebrick.io/brickfast-disbursement/api/country-province-city-job-code).

## Submit a transfer

**Request · cURL**

```bash
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**

```json
{
  "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**

```bash
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**

```json
{
  "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**

```bash
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**

```json
{
  "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**

```bash
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**

```json
{
  "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**

```bash
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**

```json
{
  "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**

```bash
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**

```json
{
  "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**

```bash
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**

```json
{
  "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**

```bash
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](/brickfast-disbursement/snap/error-handling).