Payments
Martis enables businesses to accept payments from customers through multiple payment methods including QRIS, virtual accounts, and e-wallets. The payment system handles the complete transaction lifecycle from charge creation to settlement.
How Payments Work
The payment flow consists of six stages:
| Stage | Description |
|---|---|
| 1. Charge Creation | A payment charge is created with amount, currency, and customer details |
| 2. Method Selection | Payment instructions are generated based on the configured payment method |
| 3. Customer Payment | The customer completes payment using the provided instructions |
| 4. Confirmation | A webhook event notifies the merchant of the payment status |
| 5. Settlement | Funds are settled to the merchant's available balance |
| 6. Payout | Settled funds can be withdrawn or disbursed |
Payment Methods
Martis supports multiple payment method types:
| Method | Description | Settlement Time |
|---|---|---|
| QRIS | QR code-based payments via mobile banking or e-wallets | D+2 |
| Virtual Account | Bank transfer to a generated account number | D+1 |
| E-Wallet | Direct payment via digital wallet applications | D+1 |
Payment method availability depends on account configuration. Contact support to enable additional payment methods.
Payment Lifecycle
Charge States
A payment charge progresses through the following states:
- Name
pending- Description
Charge created, awaiting customer payment
- Name
success- Description
Payment completed successfully
- Name
failed- Description
Payment failed or expired
Expiration
Payment charges expire if not completed within the specified timeframe. The default expiration period varies by payment method:
| Method | Default Expiration |
|---|---|
| QRIS | 30 minutes |
| Virtual Account | 24 hours |
Custom expiration times can be set via the expires_at parameter when creating a charge.
Settlement
Settlement is the process of transferring confirmed payment funds to the merchant's available balance.
| Payment Method | Settlement Time |
|---|---|
| QRIS | 2 business days (D+2) |
| Virtual Account | 1 business day (D+1) |
Settled funds appear in the Available Balance and can be withdrawn to a registered bank account or disbursed via API.
Integration
To start accepting payments:
- Generate an API key for authentication
- Configure payment methods for the account
- Create payment charges via the API
- Set up webhooks to receive payment notifications