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 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
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
{ "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 BCA010800041187PROD ONLY"11000.00"Arrange the completed simulation with Brick. Processing BCA010800041187PROD ONLY"11000.00"Arrange the processing simulation with Brick. Failed BCA010800041187PROD 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
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
{ "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
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
{ "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
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
{ "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
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
{ "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
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
{ "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
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
{ "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
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
