Account Inquiry

Validates bank account number before making a transfer. Must be called before the transfer endpoint to ensure account details are correct.

Endpoint

POST /api/v1/disbursement/account-inquiry

Request Body

Parameter	Type	Required	Description
merchantTrxId	string	Yes	Unique transaction ID from merchant
accountNo	string	Yes	Destination account number
bankCode	string	Yes	Bank code (e.g., BNI, BCA, BRI)
amount	number	Yes	Transfer amount (in Rupiah)

Bank Code Reference

See the complete bank/e-wallet code list on the Bank List page.

Example Request

{
  "merchantTrxId": "{{requestId}}",
  "accountNo": "123456789",
  "bankCode": "BNI",
  "amount": 10000
}

Success Response

{
  "logId": "ldTAIkiZwBDblWyCN8OE",
  "status": true,
  "message": "Inquiry success",
  "data": {
    "merchantTrxId": "2026012504373574936905643",
    "platformTrxId": "2026012421374086207",
    "accountNo": "123456789",
    "accountName": "Brianne Hyatt",
    "bankCode": "BNI",
    "amount": 10000,
    "fee": {
      "amount": 1500,
      "percentage": 0,
      "fixed": 1500
    },
    "totalAmount": 11500
  }
}

Response Fields

Field	Description
merchantTrxId	Merchant transaction ID
platformTrxId	KingsPay platform transaction ID
accountNo	Account number
accountName	Account holder name (must match when transferring)
bankCode	Bank code
amount	Amount to be transferred
fee.amount	Disbursement fee charged to the merchant
fee.percentage	Always 0 — disbursement fee is a flat amount per transaction
fee.fixed	Merchant fixed fee component
totalAmount	Total debited from the merchant balance (amount + fee.amount)

Required Balance

The disbursement fee is added on top of amount, not deducted from it. Make sure the merchant balance covers totalAmount, not just amount.

Disbursement Flow

1. Call Account Inquiry to validate the account and get accountName and platformTrxId
2. Use that data to call Transfer with the same accountName and platformTrxId