PayLater

The buyer leaves your page, signs in to the lender, picks a tenor and is approved there, then comes back to your return_url. You receive the full amount like any other payment; the instalments are between the buyer and the lender.

Integration steps

1. Create the payment request.
2. Send the buyer to payment.redirect_url.
3. Acknowledge the payment — the payment.paid webhook.
4. Check status when you need certainty: GET /v1/transactions/:id.

What each lender needs

• customer.phone must have 10 to 15 digits, country code included. 081234567890 and +6281234567890 both work.
• customer.address is line, city and postal_code. It counts only when all three are there; half an address is treated as no address.
• On Direct API a missing or unusable field is refused 422 customer_required, with the field named. On Checkout you may leave them out and the page asks the buyer.

{
  "error": {
    "code": "customer_required",
    "message": "...",
    "fields": { "customer.address": "required" }
  }
}

1. Create the payment request

order_items is optional. The lender shows the buyer what they are paying for, so send it when you have it; the items must add up to amount or the create is refused 422 order_items_mismatch. Left out, the lender sees one line with your description.

curl https://pay.kasera.id/v1/transactions \
  -H "Authorization: Bearer kp_live_..." \
  -H "Idempotency-Key: order-1234" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 1500000,
    "external_id": "ORD-1234",
    "payment_methods": ["kredivo"],
    "return_url": "https://toko.example/selesai",
    "customer": {
      "name": "Budi Santoso",
      "email": "budi@example.com",
      "phone": "081234567890",
      "address": {
        "line": "Jl. Sudirman No. 1",
        "city": "Kota Administrasi Jakarta Selatan",
        "postal_code": "12190"
      }
    },
    "order_items": [
      { "name": "Kursi kerja", "price": 1500000, "quantity": 1 }
    ]
  }'

{
  "id": "payreq_9b2f...",
  "status": "pending",
  "payment_method": "kredivo",
  "payment": {
    "type": "redirect",
    "redirect_url": "https://sandbox.kredivo.com/...",
    "display_name": "Kredivo"
  },
  "expires_at": "2026-10-01T13:00:00+07:00"
}

2. Send the buyer there

Navigate the browser to payment.redirect_url — not an iframe, not a popup. If the lender declines the buyer, the payment ends failed; create a new one so they can pay another way.

3. Acknowledge the payment

Refunds

Kasera Pay does not refund PayLater payments. Returns follow your own store policy, settled with the buyer directly.