SNAP Migration

Standar Nasional Open API Pembayaran (SNAP) on DOKU

Have questions about the SNAP Migration? Please fill out this inquiry form.

About SNAP

SNAP is the National Open API Payment Standard established by Bank Indonesia to boost integration, interconnection and interoperability, as well as security and reliability of digital payment system infrastructure in Indonesia. The SNAP provisions are stated in the "Decree Letter of the Governor of Bank Indonesia No.23/10/KEP.GBI/2021 dated August 16, 2021, regarding Determination of Payment Open Application Programming Interface (API) Standards," which will be mandatory implemented in stages for each of Open Payment API.

Standar Nasional Open API Pembayaran (SNAP) - Image Source

SNAP Migration Implementation

As a licensed Payment Service Provider (PJP) level 1, DOKU is committed to supporting SNAP implementation with national standards. The DIRECT API service will be directly affected by this migration process in particular. In line with these provisions, we advise DOKU merchants to migrate to SNAP for smoother business transactions.

The following are things that are standardized in the SNAP migration process:

• Technical, security and data documents that will be standardizing communication protocols, API architecture types, amount structures and formats, authentication methods, authorization methods, encryption methods, API access management requirements, request data structures, and response data structures.

• SNAP Governance guidance document that will be standardizing consumer protection guidelines, data protection, prudential requirements for Service Providers and Service Users, and contracts.

Based on BI regulations, the SNAP migration process must be implemented before June 30, 2025. So, please make sure that you have migrated to SNAP before this given deadline. The DOKU integration team will assist you during the migration process.

There are two migration methods available

1) Migrate using SNAP SDK

Benefits of using SNAP SDK for your migration:

• Faster integration: Complete the integration process within two weeks.

  • The library abstracts much of the API complexity, making the integration process straightforward and reducing development time.

  • Features like automatic token management and data parsing minimize the need for custom code, streamlining the implementation.

  • Existing users can upgrade with only a few lines of additional code, as the library handles critical tasks automatically.

• Practical guidelines: Detailed documentation and practical examples make it easy for developers to implement and troubleshoot the integration.

• Auto-update Library: The library is updated regularly to meet the latest standards and regulations, ensuring ongoing security and compliance. This will make the integration process accessible, even for non-technical team members.

2) Migrate using API

Benefits of using API for your migration:

• Flexibility in Programming Languages: APIs are generally not tied to any specific programming language. Developers can use APIs with various supported programming languages, offering greater flexibility in development.

• Lightweight and Space-Efficient: APIs are usually lighter than SDKs as there is no need to download or install a complete package of libraries or tools that an SDK might require. This makes APIs more space-efficient and quicker to implement.

• Consistency and Standards: APIs often follow specific standards (such as REST or GraphQL) which make them easier to understand and use for developers already familiar with those standards.

• Ease of Maintenance: APIs are usually managed by the service provider, meaning updates and maintenance are handled on the server side. API users do not need to worry about managing updates or version compatibility, as the API provider handles this.

SNAP Migration Request

If you are currently using the DIRECT API, please request the migration process by filling this inquiry form.

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API Sub Services

The payment channels that is mandatory to perform SNAP migration:

Virtual Account Service

1. Virtual Account BCA

2. Virtual Account BRI

3. Virtual Account BNI

4. Virtual Account Mandiri

5. Virtual Account CIMB

6. Virtual Account BTN

7. Virtual Account BSI

8. Virtual Account Maybank

9. Virtual Account Bank Danamon

10. Virtual Account Bank Sinarmas

11. Virtual Account Bank Bank Neo Commerce

12. Virtual Account DOKU

Direct Debit

1. BRI

2. CIMB Niaga

3. Allobank

4. DOKU

5. OVO

SNAP Migration Steps

Follow these simple steps to ensure a smooth transition:

1) Request SNAP Migration

Contact your DOKU account manager or fill this inquiry form, and we will contact you soon to schedule your migration timeline.

2) Register to ASPI Portal

Submit your business credentials and technical resources allocated for the migration process to ASPI's (Indonesian Payment System Association) portal by clicking https://apidevportal.aspi-indonesia.or.id/sign-up.

3) Integration and Testing in The DOKU Sandbox

Perform integration and a series of testing processes in DOKU's sandbox environment. For any troubleshooting requests, please fill this inquiry form.

4) Submit Testing Results to DOKU

Once testing is complete, share the testing result documents with DOKU for ASPI verification.

5) Business Consultant will Inform ASPI Verification Result

The ASPI verification process might take 10 – 15 working days to complete. Please wait comfortably, and look forward to our business consultant's progress status update.

Don't Worry, We're Here to Help!

Get our full support to implement new payment security and compliance standard.

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Frequently Asked Questions

How long does it take to migrate to SNAP?

The development and integration process duration will be subject to the merchant's capabilities.

What documents are mandatory for ASPI verification?

The documents that need to be prepared are the Devsite Test Document on the SNAP portal and the Functional Test Results Document when conducting tests on the DOKU Server.

How long does the ASPI verification process take?

The verification process takes approximately 10 working days after ASPI receives complete documents.

Can it be live in Production even though the ASPI verification process has not been completed?

Yes, as long as the merchant's documents are complete.

When is the deadline for SNAP migration?

Following Bank Indonesia regulations, the migration process to SNAP must be carried out before June 30, 2025.

Why should merchants migrate to SNAP?

SNAP integration can boost integration, interconnection, and provider interoperability in Indonesia's payment system. With SNAP, the payment system development and integration process can be executed faster. In addition, having technical and security standard documents regulated and supervised by ASPI will protect merchant payment systems.

Development of the latest version from the Bank will be implemented directly into the SNAP version, and no development will be carried out in the old version.

Is there any other option aside from SNAP migration?

Merchant can use the DOKU Checkout service as an alternative if they do not want to do SNAP migration.

What are the benefits of migrating to SNAP via DOKU?

Merchants will get technical and administrative support during the SNAP migration process, allowing the service to continue running smoothly

What happens if a merchant does not perform SNAP migration?

When the migration can not be delivered according to the given deadline, the merchant will be subject to a fine or might experience a service termination.