Payment Methods

Payment methods define how customers can pay for goods and services. Configuring the appropriate payment methods improves customer convenience and transaction success rates. Each payment method connects to the Payment Charges API for processing transactions.

Available Channels

The following payment channels are available for MartisPay:

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

Bank transfer payments using generated virtual account numbers.

Channel	Description
`mandiri`	Mandiri Virtual Account
`cimb`	CIMB Virtual Account
`maybank`	Maybank Virtual Account

Activate Payment Methods

Payment method activation requires account owner or authorized team member access.

Payment method activation typically takes 1-3 business days. Contact support@martis.id to enable specific payment methods.

Activation Process

Contact support with the desired payment methods
Provide required business documentation (if applicable)
Complete channel-specific configuration
Test transactions in sandbox environment
Receive production activation confirmation

Virtual Account Types

Virtual accounts can be configured as open or closed based on business requirements.

Closed Virtual Account

A closed virtual account is tied to a specific transaction amount.

Characteristic	Description
Amount	Fixed to the transaction amount
Usage	Single use; deactivates after payment
Validation	Exact amount match required
Processing	Automatic validation and processing

Closed virtual accounts are recommended for fixed-price transactions where the payment amount is known in advance.

Open Virtual Account

An open virtual account accepts variable payment amounts within configured limits.

Characteristic	Description
Amount	Flexible within min/max limits
Usage	Reusable for multiple payments
Validation	Amount range validation
Processing	May require manual verification

Open virtual accounts are suitable for recurring payments or scenarios where payment amounts vary.

Minimum and maximum amount thresholds are configurable via API parameters when creating a payment charge.

QRIS Configuration

Each QRIS channel supports custom merchant identifiers for different store locations or business units.

Custom QRIS Setup

Contact support with store location details
Specify the QRIS channel
Provide channel-specific identifiers:

Name
merchantId
Type
string
Description
Merchant identifier assigned by the QRIS provider
Name
storeId
Type
string
Description
Unique identifier for the store branch or outlet
Name
terminalId
Type
string
Description
Terminal identifier for the payment point or device

Activation Completion

Custom QRIS configuration is complete when:

Business information and location are verified against provided identifiers
Test payments succeed using the configured identifiers

Payment Method Parameters

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

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

For virtual accounts, additional options can be configured:

{
  "payment_method": "virtual_account",
  "channel": "mandiri",
  "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.

Integration

Create a Payment Charge