DOKU Payment Gateway Integration / Integrasi Payment Gateway DOKU

English | Bahasa Indonesia

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<a name="english"></a>

English

Orchestration & Integration

Connects and orchestrates with relevant domain skills:

• payment-gateway-expert — Multi-gateway routing, SaaS billing architectures, subscription state machines.
• saas-billing — Database synchronization, atomic locks, invoice fulfillment.
• doku-mcp-server — Exposes DOKU Checkout & Direct APIs to AI agents via Model Context Protocol.
• database-orm-expert — Transactional database models, race-condition mitigation.
• async-queue-temporal-expert — Background job retries and async payment reconciliation.

Description

Expert guide for implementing DOKU Payment Gateway based on the official DOKU Developers Documentation. DOKU offers two primary integration models:

1. DOKU Checkout (/checkout/v1/payment): Hosted payment page or modal overlay (jokul-checkout-1.0.0.js). The fastest, single-integration solution supporting all payment channels (Virtual Accounts, Credit Cards, QRIS, E-Wallets, Convenience Stores, Paylater, Direct Debit) with built-in retry handling and cart recovery. Uses Non-SNAP HMAC-SHA256 signatures with request digest.
2. Direct API:
   • SNAP BI Standard (Host-to-Host): Standardized open banking API mandated by Bank Indonesia. Employs OAuth 2.0 B2B token with Asymmetric RSA-SHA256, and HMAC-SHA512 for transactional endpoints (Direct VA, Direct QRIS, Direct Debit).
   • Non-SNAP Direct API: Dedicated APIs for Credit Card Payment Page (/credit-card/v1/payment-page), OVO Push Payment (/ovo-emoney/v1/payment), and Direct Paylater.

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Integration Architecture Decision Matrix

Dimension	DOKU Checkout (Hosted / Modal)	Direct API (SNAP BI Standard)	Direct API (Non-SNAP)
Primary Use Case	E-commerce, SaaS billing, mobile apps wanting instant multi-channel coverage	Bespoke in-app banking UI, automated dynamic VA generation, native QRIS display	Non-PCI DSS Card custom page, instant OVO push payment to phone
Supported Channels	All channels in 1 API (VA, CC, QRIS, E-Wallet, Alfa/Indomaret, Paylater, Direct Debit)	Specific endpoints: Bank Virtual Accounts, QRIS, Direct Debit	Credit Card 3DS, OVO Push, LinkAja, Paylater (Kredivo/Akulaku)
Frontend Effort	Minimal: Redirect to URL or trigger modal via loadJokulCheckout()	High: Merchant builds custom payment UI for each channel	Medium: Merchant embeds card iframe/redirect or prompts phone
Signature Algorithm	HMACSHA256 with body Digest	HMAC-SHA512 (Transactional) + RSA-SHA256 (B2B Token)	HMACSHA256 with Digest (Card) or SHA256 checksum (OVO)
Endpoint Base	/checkout/v1/payment	/virtual-accounts/bi-snap-va/v1.1/..., /snap-adapter/b2b/v1.0/qr/...	/credit-card/v1/payment-page, /ovo-emoney/v1/payment
Check Status	GET /orders/v1/status/{invoice_number} (with order-level status)	Channel status endpoint (e.g. /transfer-va/status, /qr-mpm-query)	GET /orders/v1/status/{invoice_number}

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Core Architecture & Credentials

Environment Gateways

Environment	Base URL	Dashboard Portal	Simulator
Sandbox	https://api-sandbox.doku.com	https://sandbox.doku.com	https://sandbox.doku.com/gtw-config-v2/simulator
Production	https://api.doku.com	https://dashboard.doku.com	N/A

Frontend JS SDK (for Modal Popup Mode)

• Sandbox: https://sandbox.doku.com/jokul-checkout-js/v1/jokul-checkout-1.0.0.js
• Production: https://jokul.doku.com/jokul-checkout-js/v1/jokul-checkout-1.0.0.js

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1. DOKU Checkout Integration (Recommended)

Backend: Generate Checkout Payment URL

Endpoint

• HTTP Method: POST
• Sandbox: https://api-sandbox.doku.com/checkout/v1/payment
• Production: https://api.doku.com/checkout/v1/payment

Mandatory Headers

Client-Id: MCH-0001-10791114622547
Request-Id: 2ebffd22-d23e-4368-95ce-5c38f7ddcf86
Request-Timestamp: 2026-10-03T01:30:00Z
Signature: HMACSHA256=1jap2tpgvWt83tG4J7IhEwUrwmMt71OaIk0oL0e6sPM=
Content-Type: application/json

[!IMPORTANT]

• Request-Timestamp MUST be in ISO8601 UTC+0 (YYYY-MM-DDTHH:mm:ssZ). For WIB (UTC+7), subtract 7 hours.
• Request-Target is /checkout/v1/payment.

Signature Generation (Non-SNAP HMAC-SHA256)

1. Calculate Digest:

   const jsonBody = JSON.stringify(body);
   const digest = crypto.createHash('sha256').update(jsonBody, 'utf8').digest('base64');
   

2. Assemble Component String:

   Client-Id:<client-id>\nRequest-Id:<request-id>\nRequest-Timestamp:<timestamp>\nRequest-Target:<request-target>\nDigest:<digest>
   

3. Calculate HMAC-SHA256:

   const hmac = crypto.createHmac('sha256', secretKey).update(componentString, 'utf8').digest('base64');
   const signatureHeader = `HMACSHA256=${hmac}`;
   

Full Request Payload Schema

{
  "order": {
    "amount": 150000,
    "invoice_number": "INV-20261003-0001",
    "currency": "IDR",
    "callback_url": "https://myapp.com/checkout/return",
    "callback_url_cancel": "https://myapp.com/checkout/cancel",
    "callback_url_result": "https://myapp.com/checkout/result",
    "language": "EN",
    "auto_redirect": true,
    "disable_retry_payment": true,
    "recover_abandoned_cart": true,
    "expired_recovered_cart": 60,
    "line_items": [
      {
        "id": "ITEM-1",
        "name": "Pro SaaS Annual Subscription",
        "quantity": 1,
        "price": 150000,
        "sku": "SAAS-PRO-Y",
        "category": "services"
      }
    ]
  },
  "payment": {
    "payment_due_date": 60,
    "payment_method_types": [
      "VIRTUAL_ACCOUNT_BCA",
      "VIRTUAL_ACCOUNT_BANK_MANDIRI",
      "VIRTUAL_ACCOUNT_BRI",
      "VIRTUAL_ACCOUNT_BNI",
      "CREDIT_CARD",
      "QRIS",
      "EMONEY_SHOPEEPAY",
      "EMONEY_OVO",
      "EMONEY_DANA"
    ]
  },
  "customer": {
    "id": "CUST-9921",
    "name": "Alex",
    "last_name": "Kusuma",
    "email": "alex.kusuma@example.com",
    "phone": "6281234567890",
    "address": "Sudirman Central Business District",
    "city": "Jakarta Selatan",
    "country": "ID"
  },
  "additional_info": {
    "allow_tenor": [0, 3, 6, 12],
    "override_notification_url": "https://myapp.com/api/webhooks/doku/checkout"
  }
}

[!TIP] To showcase all available channels enabled in your DOKU account, simply omit payment.payment_method_types.

Response Body Highlights

{
  "message": ["SUCCESS"],
  "response": {
    "order": {
      "amount": "150000",
      "invoice_number": "INV-20261003-0001",
      "session_id": "5f6304ca900144c7a4fcf802ad6c0898"
    },
    "payment": {
      "url": "https://sandbox.doku.com/checkout-link-v2/5f6304ca900144c7a4fcf802ad6c0898...",
      "token_id": "5f6304ca900144c7a4fcf802ad6c08982024...",
      "payment_due_date": 60,
      "expired_date": "20261003104531"
    }
  }
}

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Frontend Integration (Popup Modal vs Redirect)

Approach A: Modal Overlay (Pop-Up Mode)

Import the DOKU Checkout JS SDK and trigger loadJokulCheckout(url):

<!DOCTYPE html>
<html lang="en">
<head>
  <!-- Mandatory for responsive modal scaling -->
  <meta name="viewport" content="width=device-width, initial-scale=1">
  <script src="https://sandbox.doku.com/jokul-checkout-js/v1/jokul-checkout-1.0.0.js"></script>
</head>
<body>
  <button id="pay-button" class="btn-primary">Pay with DOKU</button>

  <script>
    document.getElementById('pay-button').addEventListener('click', async () => {
      // 1. Fetch payment URL from your backend
      const res = await fetch('/api/checkout/initiate', { method: 'POST' });
      const data = await res.json();

      // 2. Open DOKU Checkout modal overlay
      if (data.paymentUrl) {
        window.loadJokulCheckout(data.paymentUrl);
      }
    });
  </script>
</body>
</html>

Approach B: Direct Redirect Mode

For mobile browsers or standard redirects, navigate directly to response.payment.url:

window.location.href = data.paymentUrl;

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Order Status & Check Status API (Non-SNAP)

The Check Status API tracks order-level statuses even before the customer selects a specific channel:

• Endpoint: GET https://api-sandbox.doku.com/orders/v1/status/{invoice_number}
• Signature for GET: Does NOT require a Digest.

  Client-Id:<client-id>\nRequest-Id:<request-id>\nRequest-Timestamp:<timestamp>\nRequest-Target:/orders/v1/status/<invoice_number>
  

• Statuses:
  • order.status: ORDER_GENERATED, ORDER_EXPIRED, ORDER_RECOVERED.
  • transaction.status: PENDING, SUCCESS, FAILED, EXPIRED, REFUNDED.

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Webhook Verification & Atomic Idempotency (DOKU Checkout)

When a customer completes payment via Checkout, DOKU posts an HTTP Notification with headers:

• Client-Id, Request-Id, Request-Timestamp, Signature: HMACSHA256=...

import crypto from 'crypto';

export function verifyDokuCheckoutNotification(
  clientId: string,
  secretKey: string,
  requestTarget: string, // path of your notification endpoint e.g., '/api/webhooks/doku/checkout'
  headers: Record<string, string>,
  rawBody: string
): boolean {
  const reqClientId = headers['client-id'];
  const reqId = headers['request-id'];
  const reqTimestamp = headers['request-timestamp'];
  const receivedSig = headers['signature'] || '';

  if (reqClientId !== clientId) return false;

  // 1. Compute Base64 SHA-256 Digest of raw body
  const digest = crypto.createHash('sha256').update(rawBody, 'utf8').digest('base64');

  // 2. Build string component
  const component = `Client-Id:${reqClientId}\nRequest-Id:${reqId}\nRequest-Timestamp:${reqTimestamp}\nRequest-Target:${requestTarget}\nDigest:${digest}`;

  // 3. Compute HMAC-SHA256
  const expectedSig = 'HMACSHA256=' + crypto.createHmac('sha256', secretKey).update(component, 'utf8').digest('base64');

  return crypto.timingSafeEqual(Buffer.from(receivedSig), Buffer.from(expectedSig));
}

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2. Direct API — SNAP BI Standard (Host-to-Host)

For merchants requiring fully custom, native checkout experiences for Virtual Accounts, QRIS, or Direct Debit.

Step 1: B2B Access Token Generation

• Endpoint: POST /authorization/v1/access-token/b2b
• Headers:
  • X-CLIENT-KEY: Merchant Client ID
  • X-TIMESTAMP: ISO8601 string (YYYY-MM-DDTHH:mm:ssZ)
  • X-SIGNATURE: SHA256withRSA(PrivateKey, X-CLIENT-KEY + "|" + X-TIMESTAMP) (Base64)
• Body: {"grantType": "client_credentials"}
• Response: accessToken (Bearer token, valid for 900 seconds).

export function generateSnapB2bSignature(clientId: string, timestamp: string, privateKeyPem: string): string {
  const stringToSign = `${clientId}|${timestamp}`;
  const signer = crypto.createSign('RSA-SHA256');
  signer.update(stringToSign);
  return signer.sign(privateKeyPem, 'base64');
}

Step 2: Transactional Endpoints Signature (HMAC-SHA512)

• Formula:
  1. BodyHash = hex(sha256(minifiedBody)).toLowerCase()
  2. StringToSign = HTTPMethod + ":" + EndpointUrl + ":" + AccessToken + ":" + BodyHash + ":" + Timestamp
  3. X-SIGNATURE = base64(hmacSha512(ClientSecret, StringToSign))

export function generateSnapTransactionalSignature(
  method: string,
  endpointPath: string,
  accessToken: string,
  timestamp: string,
  clientSecret: string,
  body?: object
): string {
  let bodyHash = '';
  if (body && ['POST', 'PUT', 'PATCH'].includes(method.toUpperCase())) {
    bodyHash = crypto.createHash('sha256').update(JSON.stringify(body), 'utf8').digest('hex').toLowerCase();
  }

  const stringToSign = `${method.toUpperCase()}:${endpointPath}:${accessToken}:${bodyHash}:${timestamp}`;
  return crypto.createHmac('sha512', clientSecret).update(stringToSign, 'utf8').digest('base64');
}

Direct Virtual Account API (/virtual-accounts/bi-snap-va/v1.1/...)

1. DOKU Generated Payment Code (DGPC):
   • POST /virtual-accounts/bi-snap-va/v1.1/transfer-va/create-va
   • DOKU generates the unique VA number using the bank's BIN.
2. Merchant Generated Payment Code (MGPC):
   • Merchant provides their own payment code conforming to bank BIN rules.
3. Billing Types:
   • FIX_BILL: Exact amount payment (standard e-commerce).
   • NO_BILL: Open amount (donations/wallet top-up).
   • BILL_VARIABLE_AMOUNT: Range-based amount.
   • PARTIAL_AMOUNT: Installment or partial payments (BNI, CIMB, Danamon).
4. Maintenance Endpoints:
   • Update VA: PUT /virtual-accounts/bi-snap-va/v1.1/transfer-va/update-va
   • Delete VA: DELETE /virtual-accounts/bi-snap-va/v1.1/transfer-va/delete-va

Direct QRIS API (/snap-adapter/b2b/v1.0/qr/...)

1. Generate QRIS:
   • POST /snap-adapter/b2b/v1.0/qr/qr-mpm-generate
   • Request includes partnerReferenceNo, amount.value (format 10000.00), merchantId, terminalId, additionalInfo.postalCode.
   • Response returns qrContent string (EMVCo payload) for rendering dynamic QR code.
2. Query QRIS: POST /snap-adapter/b2b/v1.0/qr/qr-mpm-query
3. Cancel / Expire QRIS: POST /snap-adapter/b2b/v1.0/qr/qr-expire
4. Refund QRIS: POST /snap-adapter/b2b/v1.0/qr/qr-mpm-refund

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3. Direct API — Non-SNAP Channels

Credit Card Payment Page (/credit-card/v1/payment-page)

For non-PCI DSS merchants wanting a customized branded card checkout page:

• Method: POST
• Headers: Non-SNAP Client-Id, Request-Id, Request-Timestamp, Signature (HMAC-SHA256 with Digest).
• Body: order, customer, payment.type ("SALE" or "AUTHORIZE"), override_configuration.themes (custom colors and logos).
• Flow: Redirects customer to DOKU 3D-Secure authentication, then returns to callback_url.

OVO Push Payment (/ovo-emoney/v1/payment)

Initiates an instant push payment notification directly to customer's OVO mobile app:

• Method: POST
• Body:

  {
    "client": { "id": "MCH-0001-10791114622547" },
    "order": { "invoice_number": "INV-20261003-0002", "amount": 50000 },
    "ovo_info": { "ovo_id": "081234567890" },
    "security": { "check_sum": "<sha256_checksum>" }
  }
  

• Checksum Calculation:

  const checkSum = crypto.createHash('sha256')
    .update(`${amount}${clientId}${invoiceNumber}${ovoId}${secretKey}`, 'utf8')
    .digest('hex');
  

• Wait Time: The backend request waits up to 70 seconds for the customer to confirm the payment on their phone.

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Complete TypeScript Implementation (DOKU Checkout & SNAP Direct)

import crypto from 'crypto';

export interface DokuConfig {
  clientId: string;
  secretKey: string;
  isProduction: boolean;
  privateKeyPem?: string; // For SNAP B2B RSA token
}

export class DokuService {
  private clientId: string;
  private secretKey: string;
  private baseUrl: string;
  private privateKeyPem?: string;

  constructor(config: DokuConfig) {
    this.clientId = config.clientId;
    this.secretKey = config.secretKey;
    this.baseUrl = config.isProduction ? 'https://api.doku.com' : 'https://api-sandbox.doku.com';
    this.privateKeyPem = config.privateKeyPem;
  }

  // =================== DOKU CHECKOUT (NON-SNAP) ===================
  private generateNonSnapHeaders(targetPath: string, body?: object) {
    const requestId = crypto.randomUUID();
    const timestamp = new Date().toISOString().replace(/\.\d{3}Z$/, 'Z');
    let component = `Client-Id:${this.clientId}\nRequest-Id:${requestId}\nRequest-Timestamp:${timestamp}\nRequest-Target:${targetPath}`;

    const headers: Record<string, string> = {
      'Client-Id': this.clientId,
      'Request-Id': requestId,
      'Request-Timestamp': timestamp,
      'Request-Target': targetPath,
    };

    if (body) {
      const minified = JSON.stringify(body);
      const digest = crypto.createHash('sha256').update(minified, 'utf8').digest('base64');
      headers['Digest'] = digest;
      headers['Content-Type'] = 'application/json';
      component += `\nDigest:${digest}`;
    }

    const hmac = crypto.createHmac('sha256', this.secretKey).update(component, 'utf8').digest('base64');
    headers['Signature'] = `HMACSHA256=${hmac}`;

    return headers;
  }

  public async createCheckoutUrl(payload: {
    amount: number;
    invoiceNumber: string;
    customerName: string;
    customerEmail: string;
    callbackUrl?: string;
  }) {
    const targetPath = '/checkout/v1/payment';
    const body = {
      order: {
        amount: payload.amount,
        invoice_number: payload.invoiceNumber,
        currency: 'IDR',
        callback_url: payload.callbackUrl,
        auto_redirect: true,
      },
      payment: { payment_due_date: 60 },
      customer: {
        id: payload.customerEmail,
        name: payload.customerName,
        email: payload.customerEmail,
      },
    };

    const response = await fetch(`${this.baseUrl}${targetPath}`, {
      method: 'POST',
      headers: this.generateNonSnapHeaders(targetPath, body),
      body: JSON.stringify(body),
    });

    const data = await response.json();
    return {
      paymentUrl: data.response.payment.url,
      tokenId: data.response.payment.token_id,
    };
  }

  // =================== SNAP BI DIRECT API ===================
  public async getSnapB2bToken(): Promise<string> {
    if (!this.privateKeyPem) throw new Error('Private key PEM required for SNAP B2B Token');
    const targetPath = '/authorization/v1/access-token/b2b';
    const timestamp = new Date().toISOString().replace(/\.\d{3}Z$/, 'Z');
    
    // RSA-SHA256 signature
    const stringToSign = `${this.clientId}|${timestamp}`;
    const signer = crypto.createSign('RSA-SHA256');
    signer.update(stringToSign);
    const signature = signer.sign(this.privateKeyPem, 'base64');

    const response = await fetch(`${this.baseUrl}${targetPath}`, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'X-CLIENT-KEY': this.clientId,
        'X-TIMESTAMP': timestamp,
        'X-SIGNATURE': signature,
      },
      body: JSON.stringify({ grantType: 'client_credentials' }),
    });

    const data = await response.json();
    return data.accessToken;
  }

  public async generateDirectQris(accessToken: string, partnerRefNo: string, amount: number, merchantId: string, terminalId: string) {
    const targetPath = '/snap-adapter/b2b/v1.0/qr/qr-mpm-generate';
    const timestamp = new Date().toISOString().replace(/\.\d{3}Z$/, 'Z');
    const externalId = crypto.randomUUID();

    const body = {
      partnerReferenceNo: partnerRefNo,
      amount: { value: `${amount.toFixed(2)}`, currency: 'IDR' },
      merchantId,
      terminalId,
      additionalInfo: { postalCode: '12012', feeType: '1' }
    };

    const minified = JSON.stringify(body);
    const bodyHash = crypto.createHash('sha256').update(minified, 'utf8').digest('hex').toLowerCase();
    const stringToSign = `POST:${targetPath}:${accessToken}:${bodyHash}:${timestamp}`;
    const signature = crypto.createHmac('sha512', this.secretKey).update(stringToSign, 'utf8').digest('base64');

    const response = await fetch(`${this.baseUrl}${targetPath}`, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'Authorization': `Bearer ${accessToken}`,
        'X-PARTNER-ID': this.clientId,
        'X-EXTERNAL-ID': externalId,
        'X-TIMESTAMP': timestamp,
        'X-SIGNATURE': signature,
        'CHANNEL-ID': 'H2H'
      },
      body: minified,
    });

    return await response.json();
  }
}

---

Common Pitfalls to Avoid

Anti-Pattern	Issue	Solution
Using HMAC-SHA512 for DOKU Checkout	401 Unauthorized / Invalid Signature	DOKU Checkout uses Non-SNAP HMAC-SHA256 with body Digest.
Using HMAC-SHA256 for SNAP BI Direct	401 Unauthorized	SNAP BI transactional endpoints strictly require HMAC-SHA512 with lowercase hex SHA-256 body hash.
Forgetting CHANNEL-ID: H2H in SNAP	Bad request	SNAP BI Direct host-to-host APIs require CHANNEL-ID: H2H header.
Inverting Request-Target in Webhook	Signature validation fails	For incoming webhooks, Request-Target is the merchant's endpoint path (e.g., /api/webhooks/doku/checkout).
OVO Push timeout too short	premature failure	OVO push payments require up to 70 seconds client timeout while the user confirms on mobile.
Non-atomic database updates	Race condition double top-up	Always guard webhook fulfillments with atomic SQL updates (WHERE status = 'PENDING').

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<a name="bahasa-indonesia"></a>

Bahasa Indonesia

Integrasi Orkestrasi

Terhubung dan mengorkestrasi skill domain yang relevan:

• payment-gateway-expert — Arsitektur checkout SaaS, perutean multi-gateway, dan state machine langganan.
• saas-billing — Sinkronisasi database lokal, penguncian atomik (atomic locks), dan penerbitan invoice.
• doku-mcp-server — Membuka tool DOKU Checkout dan Direct API ke Agen AI via Model Context Protocol.
• database-orm-expert — Model database transaksional dan pencegahan race-condition.
• async-queue-temporal-expert — Antrean job latar belakang untuk retry dan rekonsiliasi pembayaran.

Deskripsi

Panduan ahli untuk mengintegrasikan DOKU Payment Gateway berdasarkan dokumentasi resmi DOKU Developers Portal. DOKU menyediakan 2 model integrasi utama:

1. DOKU Checkout (/checkout/v1/payment): Halaman pembayaran hosted atau modal pop-up overlay (jokul-checkout-1.0.0.js). Cara termudah dan tercepat untuk menerima seluruh metode pembayaran (Virtual Account, Kartu Kredit, QRIS, E-Wallet, Indomaret/Alfamart, Paylater, Direct Debit) dalam satu kali integrasi. Menggunakan tanda tangan Non-SNAP HMAC-SHA256 dengan komponen Digest.
2. Direct API:
   • Standar SNAP BI (Host-to-Host): Standar Bank Indonesia untuk integrasi perbankan langsung (B2B Access Token via RSA Asimetrik, transaksi via HMAC-SHA512 untuk Direct VA, Direct QRIS, dan Direct Debit).
   • Direct API Non-SNAP: Endpoint khusus untuk Kartu Kredit (/credit-card/v1/payment-page) dengan 3DS kustom dan OVO Push Payment (/ovo-emoney/v1/payment) langsung ke ponsel pengguna.

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Perbandingan Model Integrasi (Checkout vs Direct API)

Kebutuhan	Rekomendasi Solusi	Alasan
E-commerce, SaaS, Starter	DOKU Checkout	1 API mengaktifkan semua kanal pembayaran sekaligus tanpa membangun UI per bank.
In-App Native Banking UI	Direct API SNAP BI	Memungkinkan merchant menampilkan nomor Virtual Account atau QRIS langsung di dalam aplikasi tanpa redirect.
Non-PCI DSS Card Form	Credit Card Payment Page	Halaman pembayaran kartu dengan 3DS aman tanpa beban audit sertifikasi PCI DSS.
Push Payment E-Wallet	OVO Push Payment	Langsung memicu prompt bayar di aplikasi OVO pelanggan menggunakan nomor ponsel (timeout 70 detik).

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🚨 Simulator Sandbox DOKU

• URL Simulator: https://sandbox.doku.com/gtw-config-v2/simulator
• QRIS Simulator: https://sandbox.doku.com/qris-simulator/ Gunakan simulator resmi di atas untuk menguji transaksi Virtual Account dan QRIS dalam mode Sandbox sebelum deployment ke produksi.