Direct Payments

Overview

A direct payment is a payment for one specific payment_method — QRIS or a bank virtual account — with no hosted Baiyar page involved. Use this when you want to render the QR code or virtual account number inside your own app instead of sending the customer to a payment link.

Creating a direct payment

POST /v1/payments
Idempotency-Key: order-2026-0002-attempt-1

{
  "project_id": "018f1f29-7c00-73e4-a310-744d2167fc60",
  "reference": "ORDER-2026-0002",
  "amount": 15000,
  "payment_method": { "type": "qris" }
}

Idempotency-Key is required — a unique string you generate per payment attempt (a UUID works well). Retrying the same key with an identical body returns the original payment (200) instead of creating a duplicate (201); retrying with a different body is rejected with 409. This makes it safe to retry on a network timeout without risking a duplicate charge.

The response includes instructions, shaped differently per method:

QRIS — qr_string (the raw QRIS payload, if you want to render your own QR code) and qr_image_url (a ready-to-display QR code image as a data: URI).
Virtual account — bank_name, virtual_account_number, and payment_steps (human-readable instructions you can display as-is).

{
  "id": "018f1f29-9b21-73e4-a310-744d2167fca1",
  "project_id": "018f1f29-7c00-73e4-a310-744d2167fc60",
  "reference": "ORDER-2026-0002",
  "amount": 15000,
  "currency": "IDR",
  "fee_bearer": "merchant",
  "fee_amount": 105,
  "merchant_net": 14895,
  "status": "pending",
  "checkout_url": "https://checkout.baiyar.id/sandbox/payments/sandbox_018f...",
  "payment_method": { "type": "qris" },
  "instructions": {
    "qr_string": "BAIYAR-SANDBOX-QRIS|sandbox_018f...|15000|IDR",
    "qr_image_url": "data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAA..."
  },
  "expires_at": "2026-09-02T09:15:00Z",
  "created_at": "2026-09-02T09:00:00Z"
}

{
  "bank_name": "Bank BNI",
  "virtual_account_number": "8808123456789",
  "payment_steps": [
    "Open mobile banking.",
    "Choose virtual account transfer.",
    "Enter the virtual account number."
  ]
}

Minimum amount

amount is in IDR (whole rupiah). The minimum depends on the method:

Method	Minimum amount
`qris`	100
`virtual_account`	10,000

Expiry

expires_in_minutes is optional. It defaults to 15 minutes for qris and 24 hours for virtual_account, and is capped at 60 minutes for qris and 7 days for virtual_account.

Checking payment status

Poll GET /v1/payments/{paymentID} for status (pending, processing, succeeded, failed, expired), or — better — configure a project webhook so Baiyar notifies you instead. See Payment Statuses for what each value means and Webhooks for push notifications.