APM API Integration Notes

The general API workflow consists of following:

Postman Guide
Payment API
Status API
Payout API
Balance API
Payout Sandbox

Field	Data Description
Request method	POST
Additional Request header	‘apikey’
Payment Request URL	https:///api/v1/external/payment/hosted
Payout Request URL	https:///api/v5/external/payout/s2s
Data format	All data is sent and received in the JSON format.
Content-Type	application/json
iFrame	The payment url for customers does not work in iframe

Payment API

Payment Request Table

Field Name	Data Description	Type	Min	Max	Example	Required
amount	float data type	NU	3	7	50000.00 NOTE: currencies/solutions that do not support decimal values; THB - True Money IDR - all solutions VND - all solutions PHP - Maya, Gcash & Grabpay INR - all solutions CNY - all solutions KRW - all solutions	yes
currency	ISO 4217 numeric code	CH	3	3	PKR	yes
callbackUrl	Url where payment callback will be sent	URL	–	–	https://send-here.com	yes
country	ISO 3166-1-alpha-2	CH	2	2	PK	yes
email	Valid email format	AN	6	120	name@email.com	yes
ip	Customer’s IP	IP	–	–	123.13.43.23	yes
method	Methods supported, see table below.	CH	–	–	WALLETS	yes
midId	For technical purposes.	NU	1	–	187	yes
returnUrl	Url to redirect after payment	URL	–	–	https://return-here.com	yes
orderId	Merchant Order ID	AN	1	50	abc123456 (For IDR & BRL PIX channels, length is between 6-32 char)	yes

Payment statuses

TX Type	Event	Status
Received:	Temporary	PENDING
currency	ISO 4217 numeric code	SUCCESS
callbackUrl	Url where payment callback will be sent	REJECTED, FAIL

ASIA

Currency	Country	Method Parameter	Solution
🇧🇩 BDT	Bangladesh	BANK_TRANSFER	bKash, Nagad, Rocket, uPay
🇨🇳 CNY	China	BANK_TRANSFER	Card To Card
🇮🇩 IDR	Indonesia	BANK_TRANSFER	CIMB Niaga, Permata
🇮🇩 IDR	Indonesia	WALLETS	Dana, Indonesia Mobile Apps, Link-Aja,
🇮🇩 IDR	Indonesia	QR_CODE	scan QR code,OVO
🇮🇩 IDR	Indonesia	VIRTUAL_ACCOUNT	Bank Transfer via Virtual Account, OVO
🇮🇳 INR	India	BANK_TRANSFER	Netbanking
🇮🇳 INR	India	UPI	QR, INTENT
🇯🇵 JPY	Japan	BANK_TRANSFER	Curfex Japan
🇰🇷 KRW	South Korea	VIRTUAL_ACCOUNT	Virtual Account Payment Korea
🇰🇷 KRW	South Korea	BANK_TRANSFER	Online Banking payment Korea Korea
🇲🇾 MYR	Malaysia	BANK_TRANSFER	Online Bank transfer payment
🇲🇾 MYR	Malaysia	QR_CODE	Boost, DuitNow QR Pay, GrabPay, MY banking apps, ShopeePay, TouchNGo
🇲🇾 MYR	Malaysia	FPX	Online Banking payment via FPX
🇲🇾 MYR	Malaysia	DUITNOW	Online Banking payment via DUITNOW
🇵🇭 PHP	Philippines	WALLETS	GCASH, MAYA, QRPH, Grabpay
🇵🇭 PHP	Philippines	BANK_TRANSFER	Online Bank transfer payment
🇸🇬 SGD	Singapore	BANK_TRANSFER	Various Banks
🇹🇼 TWD	Taiwan	VIRTUAL_ACCOUNT	Virtual Account Payment Taiwan
🇹🇭 THB	Thailand	BANK_TRANSFER	Online Bank transfer payment
🇹🇭 THB	Thailand	QR_CODE	Thai QR Payment
🇹🇭 THB	Thailand	TRUEMONEY	Truemoney
🇰🇭 USD	Cambodia	BANK_TRANSFER	Online Bank transfer payment
🇻🇳 VND	Vietnam	BANK_TRANSFER	Online Bank transfer payment
🇻🇳 VND	Vietnam	MOMOPAY	MoMo
🇻🇳 VND	Vietnam	QR_CODE	Bank payment via QR code

AFRICA

Currency	Country	Method Parameter	Solution
🇳🇬 NGN	Nigeria	BANK_TRANSFER	Bank Transfer,Opay
🇳🇬 NGN	Nigeria	MOBILE_MONEY	Cards,Bank Account, NIBSS-QR, eNaira, USSD
🇿🇦 ZAR	South Africa	BANK_TRANSFER	1Voucher, Bank Transfer
🇿🇦 ZAR	South Africa	MOBILE_MONEY	Cards
🇰🇪 KES	Kenya	BANK_TRANSFER	Bank Transfer
🇰🇪 KES	Kenya	MOBILE_MONEY	M-pesa
🇬🇭 GHS	Ghana	BANK_TRANSFER	Bank Transfer
🇬🇭 GHS	Ghana	MOBILE_MONEY	Cards
🇺🇬 UGX	Uganda	BANK_TRANSFER	Bank Transfer
🇺🇬 UGX	Uganda	MOBILE_MONEY	Cards
🇷🇼 RWF	Rwanda	BANK_TRANSFER	Bank Transfer
🇷🇼 RWF	Rwanda	MOBILE_MONEY	Cards
🇿🇲 ZMW	Zambia	BANK_TRANSFER	Bank Transfer
🇪🇬 EG EGP	Egypt	MOBILE_MONEY	Cards, Etisalat, Orange Money, Vodafone
🇪🇬 EG EGP	Egypt	BANK_TRANSFER	Instapay, Telegram
🇪🇬 EG EGP	Egypt	CASH	Fawry Pay
🇪🇬 EG EGP	Egypt	MOBILE_MONEY	Cards
🇨🇲 CM XAF	Cameroon	MOBILE_MONEY	Cards
🇹🇿 TZ TZS	Tanzania	MOBILE_MONEY	Cards
🇨🇮 CI XOF	Côte d'Ivoire	MOBILE_MONEY	Cards
🇲🇦 MA MAD	Morocco	MOBILE_MONEY	CashPlus, Inwi Money, Jibi, MTCash, Orang Money
🇲🇦 MA MAD	Morocco	BANK_TRANSFER	Wire Transfer

LATAM

Currency	Country	Method Parameter	Solution
🇦🇷 ARS	Argentina	BANK_TRANSFER,CASH	Bank Transfer,Cash
🇧🇷 BRL	Brazil	PIX, BANK_TRANSFER	PIX,BANK TRANSFER
🇨🇴 COP	Colombia	BANK_TRANSFER,CASH	Bank Transfer,Cash
🇨🇷 CRC	Costa Rica	BANK_TRANSFER,CASH	Bank Transfer,Cash
🇬🇹 GTQ	Guatemala	BANK_TRANSFER,CASH	Bank Transfer,Cash
🇲🇽 MXN	Mexico	BANK_TRANSFER,CASH	Bank Transfer,Cash
🇵🇪 PEN	Peru	BANK_TRANSFER,CASH	Bank Transfer,Cash
🇪🇨 USD	Ecuador	BANK_TRANSFER,CASH	Bank Transfer,Cash
🇵🇦 USD	Panama	BANK_TRANSFER,CASH	Bank Transfer,Cash
🇸🇻 USD	El Salvador	BANK_TRANSFER,CASH	Bank Transfer,Cash

OTHERS

Currency	Country	Method Parameter	Solution
🇺🇸 USDT	Crypto	BEP20	Binance Blockchain
🇺🇸 USDT	Crypto	ERC20	Ethereum Blockchain
🇺🇸 USDT	Crypto	TRC20	Tron Blockchain
🇪🇺 EUR	Europe	OPEN_BANKING	Open Banking
🇬🇧 UK GBP	UK	OPEN_BANKING	Open Banking
🇨🇦 CA CAD	CANADA	BANK_TRANSFER	Interac

Deposit Request Body & Response Sample

Request

Select Provider

Select Provider »

Select Method

Select Method »

Select Currency

Select Currency »

Response

{
  "paymentUrl": "https://payment-url.com",
  "status": "PENDING",
  "message": "Transaction is being processed",
  "id": "e10a0ab0-fa57-40c8-9312-666369dff389",
  "orderId": "tr-d1111122327557544456647"
}

Payment Request Optional Data Field Table

Field Name	Data Description	Type	Min	Max	Example	Required
address	Customer address	CH	1	–	Testshington Street	no
bankCode	Customer bank code	CH	1	–	DBS	no
city	Customer city	CH	1	–	City	no
lastName	Customer last name	CH	1	–	Doe	no
mobileNumber	Customer mobile number	CH	1	–	5467756764	no
name	Customer first name	CH	1	–	John	no
postalCode	Customer postal code	CH	1	–	435645	no
state	Customer state	CH	1	–	ST	no

Payout Request Table

Field Name	Data Description	Type	Min	Max	Example	Required
account	Beneficiary Account	CH	1	–	abc123	yes
amount	float data type	NU	3	7	50000.00	yes
currency	Currency code. 4 letters	CH	3	4	PKR	yes
callbackUrl	Url where payment callback will be sent	URL	–	–	https://send-here.com	yes
country	ISO 3166-1-alpha-2	CH	2	2	PK	yes
email	Customer’s email	AN	6	120	name@email.com	yes
data	For additional parameters for payout	OBJ	–	–	data{ "name":"John Doe" }	Please refer to the payout request payload section for the additional required parameters
midId	For technical purposes. Must be provided.	NU	1	–	187	yes
orderId	Merchant Order ID	AN	1	50	abc123456	yes
ip	Customer’s IP	IP	–	–	123.13.43.23	yes

Payout Request Optional Data Field Table

The payout request “data" field contains possible additional parameters, which are provider dependent. If the parameters are missing, the required values will be asked (via web form) from the customer.

Field Name	Data Description	Type	Min	Max	Example	Required
ifsc	Beneficiary ifsc number	CH	1	–	BSBN0001234	yes(for INR only)
accountName	Beneficiary name	CH	1	–	Johny Cash	Please refer to the payout request payload section if required
bankCode	Beneficiary bank code	CH	1	–	BSBN0001111	Please refer to the payout request payload section if required
bankName	Beneficiary bank	CH	1	–	BSBN Bank	Please refer to the payout request payload section if required
bankBranch	Beneficiary bank branch	CH	1	–	BB	Please refer to the payout request payload section if required
bankAddress	Beneficiary bank address	CH	1	–	BA	Please refer to the payout request payload section if required
bankCity	Beneficiary bank city	CH	1	–	Bank Area	Please refer to the payout request payload section if required
bankState	Beneficiary bank state	CH	1	–	Bank Province	Please refer to the payout request payload section if required
mobile	Beneficiary mobile number	CH	1	–	5467756764	Please refer to the payout request payload section if required

Response Fields

Description	Format	Explanation
Id	String	System Transaction ID
message	String	Payment response message
status	String	Transaction status
orderId	String	Merchant Order ID

Payout Statuses

TX Type	Event	Status
Received:	Temporary	PENDING
Approved:	Final	SUCCESS
Failed:	Final	REJECTED, FAIL

Payout Postbacks

Each postback is a general HTTP POST request with a retry mechanism of maximum 5 attempts with a retry possibility every 3 minutes.

We only consume one unique orderId per merchant. After that, all transactions with the same ID will be rejected.

Payout Postback Table

Title	Format	Explanation
id	String	System Transaction ID
orderId	String	Merchant Order ID
status	String	Transaction status
hash	String	Data signature for encryption

Payout Postback Sample

header name ‘apikey’, header value <merchant-apikey>

{
  "id": "912z-1zs4-acvb-1bre3",
  "orderId": "merchtx12345",
  "status": "SUCCESS",
  "hash": "<system-generated-hash>"
}

Data Signature of Payment & Payout

Encryption Variables	Values and Explanations
apikey	`<confidential>`
Secret key	`<confidential>` + additional symbols ('0') to make it length of 16
Encryption format	Concatenated and signed by using SHA-256 algorithm
Parameter order	The order must be in exact order as per below sample
Parameter example	Refer to the sample code in Java how to calculate the signature below.
Result string	Will be signed using SHA-256

How do you calculate signature for Payment/Payout request?

ONLY use the fields specified in docs.t365.io documentation for signature generation. Below you can find example code in Java how to calculate the signature.

Postman Headers

Status API

It is possible to get transaction status via the Status API:

Field	Data Description
Payment Status Request URL	https:///api/v2/external/payment/status
Payout Status Request URL	https:///api/v2/external/payout/status
Data format:	All data is sent and received in the JSON format.
Content-Type:	application/json
Headers:	‘apikey’:

Status API Request Fields

Provide id or orderId.

Field	Description
id	System Transaction ID
orderId	Merchant Order ID

Status API Response Fields

Field	Description
status	Payment status
id	System Transaction ID
orderId	Merchant Order ID
amount	Payment amount
currency	Payment currency
createdAt	Payment created date
paidAt	Payment paid date

Balance API

Enquire the available MID balance by adding midId into the request path as a parameter.

Balance API information

Field	Data Description
Balance Request URL	https:///api/v1/external/balance/status/{midId}
Data format:	All data is sent and received in the JSON format.
Content-Type:	application/json
Headers:	‘apikey’:

Balance API Request Fields

Merchant must provide midId.

Field	Description
midId	MID ID

Balance API Response Fields

Field	Description
balance	Balance of the MID

Balance API Response Sample

{
  "balance": "double"
}

Sandbox Response

Status Endpoint

API Endpoint:	(/api/v5/external/payout/s2s)
Use “email" parameter	Response
rejected@test.com	REJECTED
success@test.com	SUCCESS
fail@test.com	FAILED

Common API Errors

Deposit Transactions

Error Message	Possible Root Cause	Resolution
Unexpected error: Payment not supported	Setup should be checked with T365.	Contact Merchant Support Team
"status":"REJECTED","message":"Transaction rejected by processor"	Missing value or invalid data in parameters	Contact Merchant Support Team
ERROR: platform not setting	Setup should be checked with T365.	Contact Merchant Support Team
Unexpected error occurred: . Please contact support team.	Missing value or invalid data in parameters	Contact Merchant Support Team
Technical error in bank's system	Setup should be checked with T365.	Contact Merchant Support Team
ERROR: No MID with given ID found	MID setup should be checked to T365.	Contact Merchant Support Team

Withdrawal Transactions

Error Message	Possible Root Cause	Resolution
ERROR: Insufficient Payout Balance. Please contact your account manager.	Amount sent for payout transaction is greater than the current balance.	Contact Merchant Support Team
Do payout through api error: Payout is disabled!	Payout setup is disabled.	Contact Merchant Support Team
Source of request not in IP whitelist.	Merchant IP address is not whitelisted on the connection.	Contact Merchant Support Team and provide Merchant IP address
ERROR: No MID with given ID found	MID setup should be checked to T365.	Contact Merchant Support Team

API Integration Per Region

Latin America (LATAM)

This section provides sample request payload for several payment methods for Latin America region. The countries covered are the following:

Argentina
Brazil
Chile
Columbia
Costa Rica
Ecuador
El Salvador
Guatemala
Mexico
Panama
Peru

Select Country

Select Country »

Select Method

Select Method »

This section provides sample PAYOUT request payload Latin America (LATAM) region. The countries covered are the following:

Brazil

Select Country

Select Country »

Select Method

Select Method »

ASIA

This section provides sample request payload for several payment methods for Asia region. The countries covered are the following:

Philippines
Cambodia
South Korea
Indonesia
Vietnam
Thailand
Malaysia
India
Hong kong
China
Bangladesh
Singapore

Select Country

Select Country »

Select Method

Select Method »

This section provides sample PAYOUT request payload ASIA region. The countries covered are the following:

India
Vietnam
Indonesia
Malaysia
Thailand
Philippines
China
South Korea
Hong kong
Cambodia

Select Country

Select Country »

Select Method

Select Method »

AFRICA

This section provides sample request payload for several payment methods for South Africa region. The countries covered are the following:

Nigeria
South Africa
Tanzania
Kenya
Zambia
Ghana
Rwanda
Burkina
Senegal
Egypt
Morocco

Select Country

Select Country »

Select Method

Select Method »

This section provides sample PAYOUT request payload AFRICA region. The countries covered are the following:

Nigeria
South Africa
Ghana
Egypt
Morocco

Select Country

Select Country »

Select Method

Select Method »

OTHER Region

This section provides sample request payload for several payment methods for other regions. The countries covered are the following:

Canada
Europe

Select Country

Select Country »

Select Method

Select Method »

NOTE: Please refer to Annex 1 for the required parameters found under shopper attribute

Annex 1

NOTE: tax_id: 1.234.567.890

Country	tax_id_type
BRAZIL	BRA_CPF BRA_CNPJ
CHILE	CHL_RUT RUT
PERU	DNI
COLOMBIA	COL_PSP COL_CDC COL_CDE COL_NIT COL_RCN COL_TI COL_CC COL_TE COL_CE COL_DIE COL_ICE ALL_Pasprt

Remarks: Person tax ID Type | String (Required only for Brazil, Chile and Colombia)

GET Bank Codes API

Instructions on how to Bank Lists using GET method on postman:

Sample URL: https://prod50.t365.io/api/v1/external/bank-codes/123/PHP/list

a. prod50 - <merchant’s prod number>
b. 123 - <merchant’s midID>
c. PHP - <merchant’s currency>

Step 1: Under Authorization tab, select Auth Type section to OAuth 2.0

Postman Headers

Step 2: Under Authorization tab, fill in details for the following fields under Configure New Token section:

Callback URL: - < webhook URL >
Client ID: - < to be provided >
Client Secret: - < to be provided >

Postman Headers

Step 3: Under Headers tab, fill in details for the following fields:

apikey: < to be provided >
Content-Type: application/json

Postman Headers