Account Binding
OTP
Verify OTP
Set Limit
Payment
Payment Status
Refund
Unbinding
Inquiry
Notifications
POST /registration-account-binding
Register customer account. BNI sends OTP to customer phone. Returns chargeToken + bankCardToken.
POST /otp
Request OTP for specific action (Direct Debit, Change Limit, Unbinding).
POST /otp-verification
Verify OTP to get bankCardToken for future transactions.
POST /debit/card-registration
Set daily limit. Top Up (increase) → 2000200 (instant). Top Down (decrease) → 2020200 (next-day).
POST /debit/payment-host-to-host
Core transaction: auto-debit from customer account. ASYNC — wait for callback notification.
POST /debit/status
Check payment transaction status.
POST /debit/refund
Refund a payment. Full (type=1) or Partial (type=2).
POST /registration-account-unbinding
Remove customer account. Customer becomes inactive.
Balance Inquiry
Check customer account balance.
Inquiry Limit
Check remaining daily limit.
Callback Notifications
Real-time notifications from BNI. Webhook: /webhook/autopay