Charges

Martis enables businesses to accept payment charges from customers through multiple payment methods. Merchants are able to test payment charges through the Charges API, available through the Core API endpoints.

Martis's payment system handles the complete transaction lifecycle from payment charge creation to settlement, here's the overall flow process:

Remember to paste the Bearer token in the Authorization header with the secret key from generated API keys.

How Charges Work

Payment Flow

Stage	Description
Payment Charge Creation	Created with amount, currency, and customer details
Payment Method Selection	Payment charges are generated based on the configured payment method
Customer Payment	The customer completes payment using the provided instructions
Confirmation	Callback URL is used to notify events to the merchant about the payment status
Settlement	Funds are settled to the merchant's available balance
Payouts	Settled funds can be withdrawn or disbursed

Payment Methods

Merchants are able to define how their customers can pay for goods and services. Configuring the appropriate payment methods improves customer convenience and transaction success rates. Throughout all accounts, each account has its own separate payment method configuration.

Each payment method is integrated with the Charges API to process payments. A payment method exposes one or more payment channels. To determine which payment methods and channels are available on your account, use the payment channels endpoint.

To enable specific payment methods, contact our assigned team for further assistance.

Currently, here are the current available payment methods & channels in Martis:

QRIS

QR code-based payments compatible with mobile banking apps and e-wallets.

Channel	Description
`shopee_pay`	ShopeePay QRIS
`gudang_voucher`	Gudang Voucher QRIS

Virtual Account

Payment charges with the virtual account method is considered temporary. Once paid or failed to be completed, the number generated will be deleted. Each virtual account charges have two available options for it's number generation.

Random number
Fixed number

Below are the available payment channels for virtual account payment method:

Channel	Description
`permata`	Permata Virtual Account
`maybank`	Maybank Virtual Account

If the virtual account charge is made with a fixed number, creating another would generate the same number. Similarly with a permanent virtual account, but if it's completed or failed the number would expire and no longer available for payment. Both fixed and random numbers are considered to be a one-time payment only for virtual account charges.

To learn more about the differences between virtual account charges and actual virtual account payments, please read the Virtual Account section.

Payment Method Parameters

When creating a payment charge, specify the payment method and channel:

{
  "payment_method": "qris",
  "channel": "gudang_voucher"
}

For virtual account payment charges, additional options can be configured:

{
  "payment_method": "virtual_account",
  "channel": "maybank",
  "payment_method_options": {
    "virtual_account": {
      "account_name": "Customer Name",
      "account_number": null
    }
  }
}

When account_number is null, a unique virtual account number is automatically generated.

Lifecycle

A payment charge progresses through the following states:

Name
pending
Description
Charge created, awaiting customer payment
Name
success
Description
Payment completed — record is added to Balances > Transactions menu.
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.

Payment Methods