Home Credit Indonesia data API

PT Home Credit Indonesia · Lending

Home Credit-Pinjaman & Kredit is PT Home Credit Indonesia's Android client for consumer financing in Indonesia (Play also labels the same package My Home Credit Indonesia). Customers manage installment contracts for electronics, motorbikes and other goods, activate Bayar Nanti (pay-later) at merchants and QRIS, hold a Home Credit card, top up an in-app e-wallet for pulsa, PLN, PDAM and BPJS, and apply for FlexiFast cash loans and UDJ / multiwithdrawal limit offers from the same home screen. A marketplace, POS locator, inbox and direct-debit setup sit alongside PIN lock, OTP and biometric sign-in. The company is an OJK-supervised multifinance lender competing with Kredivo, Akulaku and Easycash for Indonesian pinjaman and paylater users.

Bayar Nanti account rows pair availableBalance with usedBalance, ownFund and increaseLimit under a cuid, payLaterStatus and pastDueStatus, while merchant tickets add merchantName, amountTransaction, tenor and installmentAmount.

Installment books list installmentNumber, dueDate and valuePaid; pending invoices carry virtualAccount, totalInvoice and commodityType; the Home Credit card publishes cardLimit, cardAvailableLimit, retailBalance and merchant acceptorName lines; the wallet ledger records senderAccount, destinationAccount and referenceId; FlexiFast cash-loan tiles quote offerAmount, minCreditAmount, maxCreditAmount and flatRate.

Collections desks, BNPL reconcilers and card-spend analytics can consume those ledgers; openData Studio turns them into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

OAuth2 access token
POST /v1/identity/oauth2/token osint
Exchanges grant_type and client_id for the accessToken used as Authorization: Bearer on later customer, paylater, card and wallet calls, together with expiresIn, refreshToken and type.
Auth: OAuth2 form body grant_type and client_id (plus username/password on the password grant). Returns accessToken, expiresIn, refreshToken and type for later Bearer use.
- grant_type
- client_id
- accessToken
- expiresIn
- refreshToken
- type
```
POST /v1/identity/oauth2/token HTTP/1.1
Content-Type: application/x-www-form-urlencoded

grant_type=password&client_id=<client_id>&username=081234567890&password=********
```
```
{
  "accessToken": "eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...",
  "expiresIn": 3600,
  "refreshToken": "rt_8f21c0ab",
  "type": "Bearer"
}
```

Bayar Nanti account details

GET /v1/paylater/accounts/current openfinance

Loads the Bayar Nanti (pay-later) account: identity (cuid, customerName, idCardNumber), status flags, and the nested balance block with limits (availableBalance, usedBalance, totalBalance, ownFund, increaseLimit).

Auth: Authorization: Bearer accessToken from POST /v1/identity/oauth2/token (grant_type, client_id). The token body carries accessToken, expiresIn, refreshToken and type.

cuid
customerName
email
idCardNumber
payLaterStatus
pastDueStatus
offerId
maximumActivationDate
billingStatus
availableBalance
totalBalance
usedBalance
ownFund
increaseLimit
insuranceStatus
adminFee
blocked
blockReasons
contractNumber
dueDate
billingDate

GET /v1/paylater/accounts/current HTTP/1.1
Authorization: Bearer <access_token>

{
  "cuid": "CUID-1048291",
  "customerName": "Siti Nurhaliza",
  "email": "[email protected]",
  "idCardNumber": "3174xxxxxxxxxxxx",
  "payLaterStatus": "ACTIVE",
  "pastDueStatus": false,
  "offerId": "PL-OFF-9921",
  "maximumActivationDate": "2026-12-31",
  "billingStatus": "CURRENT",
  "paylaterAccountBalanceDto": {
    "contractNumber": "PL-2026-881144",
    "dueDate": "2026-11-05",
    "billingDate": "2026-10-20",
    "availableBalance": 3500000,
    "totalBalance": 5000000,
    "usedBalance": 1500000,
    "ownFund": 0,
    "increaseLimit": true
  },
  "insuranceStatus": true,
  "adminFee": 25000,
  "blocked": false,
  "blockReasons": []
}

Bayar Nanti transaction detail
GET /v1/paylater/contracts/{contractNumber}/purchases/{referenceNumber} openfinance
Returns one Bayar Nanti purchase by contractNumber and referenceNumber: merchantName, amountTransaction, tenor, installmentAmount, fees and dueDate.
Auth: Authorization: Bearer accessToken from POST /v1/identity/oauth2/token (grant_type, client_id). The token body carries accessToken, expiresIn, refreshToken and type.
- referenceNumber
- category
- transactionDateTime
- merchantName
- merchantId
- amountTransaction
- basicAmountTransaction
- transactionFee
- monthlyInstallmentFee
- tenor
- totalTransaction
- installmentAmount
- dueDate
- paymentMethod
```
GET /v1/paylater/contracts/PL-2026-881144/purchases/REF-778210 HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "referenceNumber": "REF-778210",
  "category": "QRIS",
  "transactionDateTime": "2026-10-12T14:03:11+07:00",
  "merchantName": "Alfamart Menteng",
  "merchantId": "MID-ALFA-091",
  "amountTransaction": 185000,
  "basicAmountTransaction": 185000,
  "transactionFee": 0,
  "monthlyInstallmentFee": 4500,
  "tenor": "3",
  "totalTransaction": 198500,
  "installmentAmount": 66167,
  "dueDate": "2026-11-05",
  "paymentMethod": "PAYLATER"
}
```
Contract history
GET /v1/contracts/history openfinance
Lists the customer's financed contracts with commodityType, contractNumber, date, price, status and type for the contract-history screen.
Auth: Authorization: Bearer accessToken from POST /v1/identity/oauth2/token (grant_type, client_id). The token body carries accessToken, expiresIn, refreshToken and type.
- commodityType
- contractNumber
- date
- price
- status
- type
```
GET /v1/contracts/history HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "data": [
    {
      "commodityType": "ELECTRONICS",
      "contractNumber": "HC-2024-55201",
      "date": "2024-08-19",
      "price": "4999000",
      "status": "ACTIVE",
      "type": "INSTALLMENT"
    }
  ]
}
```

Installment schedule

GET /v1/contracts/{contractNumber}/schedule openfinance

Returns the installment book for one contract: each installment has installmentNumber, dueDate, installmentAmount, datePaid, valuePaid, status and subStatus.

Auth: Authorization: Bearer accessToken from POST /v1/identity/oauth2/token (grant_type, client_id). The token body carries accessToken, expiresIn, refreshToken and type.

contractNumber
datePaid
dueDate
installmentAmount
installmentDetails
installmentNumber
status
subStatus
title
valuePaid

GET /v1/contracts/HC-2024-55201/schedule HTTP/1.1
Authorization: Bearer <access_token>

{
  "contractNumber": "HC-2024-55201",
  "installments": [
    {
      "datePaid": "2026-09-05",
      "dueDate": "2026-09-05",
      "installmentAmount": 416583,
      "installmentDetails": [],
      "installmentNumber": 14,
      "status": "PAID",
      "subStatus": "ON_TIME",
      "title": "Angsuran 14",
      "valuePaid": 416583
    },
    {
      "datePaid": null,
      "dueDate": "2026-10-05",
      "installmentAmount": 416583,
      "installmentDetails": [],
      "installmentNumber": 15,
      "status": "DUE",
      "subStatus": "OPEN",
      "title": "Angsuran 15",
      "valuePaid": 0
    }
  ]
}

Pending payments

GET /v1/payments/outstanding openfinance

Loads unpaid invoices for the payment screen: totalPending plus each contract's virtualAccount, totalInvoice, dueDate, commodityName and paymentChannel.

Auth: Authorization: Bearer accessToken from POST /v1/identity/oauth2/token (grant_type, client_id). The token body carries accessToken, expiresIn, refreshToken and type.

cuid
totalPending
commodityName
commodityType
contractNumber
customerName
dueDate
paymentChannel
productType
ptp
totalInvoice
type
virtualAccount

GET /v1/payments/outstanding HTTP/1.1
Authorization: Bearer <access_token>

{
  "cuid": "CUID-1048291",
  "totalPending": "416583",
  "contract": [
    {
      "commodityName": "Samsung Galaxy A55",
      "commodityType": "ELECTRONICS",
      "contractNumber": "HC-2024-55201",
      "customerName": "Siti Nurhaliza",
      "dueDate": "2026-10-05",
      "paymentChannel": "VIRTUAL_ACCOUNT",
      "productType": "CONSUMER_FINANCE",
      "ptp": false,
      "totalInvoice": "416583",
      "type": "INSTALLMENT",
      "virtualAccount": "88771048291"
    }
  ]
}

Payment history

GET /v1/payments/settled openfinance

Lists settled payments: totalContract plus each row's totalPaid, date, paymentChannel, contractNumber and commodityName.

Auth: Authorization: Bearer accessToken from POST /v1/identity/oauth2/token (grant_type, client_id). The token body carries accessToken, expiresIn, refreshToken and type.

totalContract
type
contractNumber
commodityType
commodityName
productType
totalPaid
date
customerName
paymentChannel

GET /v1/payments/settled HTTP/1.1
Authorization: Bearer <access_token>

{
  "totalContract": "12",
  "contracts": [
    {
      "type": "INSTALLMENT",
      "contractNumber": "HC-2024-55201",
      "commodityType": "ELECTRONICS",
      "commodityName": "Samsung Galaxy A55",
      "productType": "CONSUMER_FINANCE",
      "totalPaid": "416583",
      "date": "2026-09-05",
      "customerName": "Siti Nurhaliza",
      "paymentChannel": "VIRTUAL_ACCOUNT"
    }
  ]
}

Credit card account details
GET /v1/cards/primary/summary openfinance
Loads Home Credit card limits and utilisation: cardNumber, statusCard, cardLimit, cardAvailableLimit, retailBalance, cashUsage, installmentBalance and holdBalance.
Auth: Authorization: Bearer accessToken from POST /v1/identity/oauth2/token (grant_type, client_id). The token body carries accessToken, expiresIn, refreshToken and type.
- cardNumber
- statusCard
- contractNumber
- cardLimit
- cardAvailableLimit
- availableLimitProgress
- cardCashLimit
- cardAvailableCashLimit
- availableCashLimitProgress
- cardUsage
- retailBalance
- cashUsage
- installmentBalance
- holdBalance
- reason
```
GET /v1/cards/primary/summary HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "cardDetails": {
    "cardNumber": "4556********1048",
    "statusCard": "ACTIVE",
    "contractNumber": "CC-2025-44102",
    "cardLimit": 15000000,
    "cardAvailableLimit": 11250000,
    "availableLimitProgress": 75,
    "cardCashLimit": 3000000,
    "cardAvailableCashLimit": 3000000,
    "availableCashLimitProgress": 100,
    "cardUsage": 3750000,
    "retailBalance": 3200000,
    "cashUsage": 0,
    "installmentBalance": 550000,
    "holdBalance": 0,
    "reason": null
  }
}
```

Credit card transaction list

GET /v1/cards/primary/authorizations openfinance

Lists Home Credit card authorisations with acceptorName/City/CountryCode, transactionTypeCodeDesc, billingDate, cashbackAmount and isEligibleEpp for convert-to-installment.

Auth: Authorization: Bearer accessToken from POST /v1/identity/oauth2/token (grant_type, client_id). The token body carries accessToken, expiresIn, refreshToken and type.

transactionId
transactionTypeCode
transactionTypeCodeDesc
transactionDate
transactionTime
billingDate
acceptorName
acceptorCity
acceptorCountryCode
transactionCategory
amountType
cashbackAmount
isEligibleEpp
title
titleSection

GET /v1/cards/primary/authorizations HTTP/1.1
Authorization: Bearer <access_token>

{
  "transactionList": [
    {
      "transactionId": "TXN-991002",
      "transactionTypeCode": "RETAIL",
      "transactionTypeCodeDesc": "Retail purchase",
      "transactionDate": "2026-10-11",
      "transactionTime": "19:42:03",
      "billingDate": "2026-10-20",
      "acceptorName": "Tokopedia",
      "acceptorCity": "Jakarta",
      "acceptorCountryCode": "ID",
      "transactionCategory": "ECOMMERCE",
      "amountType": "DEBIT",
      "cashbackAmount": "2500",
      "isEligibleEpp": true,
      "title": "Tokopedia",
      "titleSection": "Oktober 2026"
    }
  ]
}

E-wallet transaction history

GET /v1/wallets/{accountNumber}/ledger openbanking

Reads the in-app wallet ledger for pulsa, PLN, PDAM, BPJS and QRIS: each entry has type, amount, serviceFee, senderAccount, destinationAccount and referenceId.

Auth: Authorization: Bearer accessToken from POST /v1/identity/oauth2/token (grant_type, client_id). The token body carries accessToken, expiresIn, refreshToken and type.

accountNumber
dateFrom
dateTo
type
recipient
statusTransaction
transaction
transactionDate
amount
serviceFee
promo
paymentMethod
totalAmount
destinationName
destinationAccount
senderAccount
referenceId
extendedData

GET /v1/wallets/8810448291/ledger HTTP/1.1
Authorization: Bearer <access_token>

{
  "accountNumber": "8810448291",
  "dateFrom": "2026-09-01",
  "dateTo": "2026-10-17",
  "transactionList": [
    {
      "type": "PULSA",
      "recipient": "081298765432",
      "statusTransaction": "SUCCESS",
      "transaction": "Pulsa Telkomsel 50rb",
      "transactionDate": "2026-10-08T11:21:00+07:00",
      "amount": "50000",
      "serviceFee": "1500",
      "promo": "0",
      "paymentMethod": "WALLET",
      "totalAmount": "51500",
      "destinationName": "Telkomsel",
      "destinationAccount": "081298765432",
      "senderAccount": "8810448291",
      "referenceId": "EW-441290",
      "extendedData": "{}"
    }
  ]
}

FlexiFast cash-loan apply

POST /v1/cash-loans/offers openfinance

Submits a FlexiFast cash-loan application and returns the priced offer: offerAmount, term, flatRate, minCreditAmount, maxCreditAmount and installmentAmount.

Auth: Authorization: Bearer accessToken from POST /v1/identity/oauth2/token (grant_type, client_id). The token body carries accessToken, expiresIn, refreshToken and type.

campaignId
date
offerMessage
offerAmount
term
flatRate
pricePercentage
maxCreditAmount
minCreditAmount
imageUrl
installmentAmount
lowAdvise
upAdvise
wordingHookOffer
wordingRealOffer
percentHookOffer
percentRealOffer
callMeStatus

POST /v1/cash-loans/offers HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "offerAmount": 5000000,
  "term": 6
}

{
  "campaignId": "FF-2026-10",
  "date": "2026-10-17",
  "offerMessage": "Dana cair ke rekening",
  "offerAmount": 5000000,
  "term": 6,
  "flatRate": "0.9",
  "pricePercentage": "5.4",
  "maxCreditAmount": 20000000,
  "minCreditAmount": 1000000,
  "imageUrl": "https://cdn.example.com/offers/cash-loan.png",
  "installmentAmount": 916667,
  "lowAdvise": 1000000,
  "upAdvise": 8000000,
  "wordingHookOffer": "Pinjaman tunai",
  "wordingRealOffer": "FlexiFast 6 bulan",
  "percentHookOffer": 0.9,
  "percentRealOffer": 0.9,
  "callMeStatus": false
}

Credit card eligibility
GET /v1/cards/eligibility openfinance
Tells the credit-card home whether the customer is eligibleCreditCard, whether an accountInProcess application is open, and the linked contractNumber.
Auth: Authorization: Bearer accessToken from POST /v1/identity/oauth2/token (grant_type, client_id). The token body carries accessToken, expiresIn, refreshToken and type.
- accountInProcess
- contractNumber
- eligibleCreditCard
```
GET /v1/cards/eligibility HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "accountInProcess": false,
  "contractNumber": "CC-2025-44102",
  "eligibleCreditCard": true
}
```

Where teams use this data

Bayar Nanti merchant reconciliation
Finance ops match merchantName, referenceNumber and amountTransaction against acquirer files, then check availableBalance, usedBalance and pastDueStatus before releasing settlement.
Installment collections and VA matching
Collectors pull dueDate, installmentAmount and valuePaid per contractNumber, then match inbound transfers to virtualAccount and totalInvoice on pending bills.
Home Credit card limit and spend analytics
Risk desks watch cardLimit versus cardAvailableLimit, retailBalance and cashUsage, and roll acceptorName plus transactionTypeCodeDesc into merchant-category spend.
Wallet and PPOB ledger audit
Treasury reconstructs pulsa, PLN and QRIS legs from senderAccount, destinationAccount, serviceFee and referenceId on the e-wallet history.

Frequently asked questions

What customer-finance records does Home Credit Indonesia expose after sign-in?

Signed-in sessions return Bayar Nanti balances (availableBalance, usedBalance, ownFund), installment rows (installmentNumber, dueDate, valuePaid), pending bills with virtualAccount and totalInvoice, Home Credit card limits (cardLimit, cardAvailableLimit, retailBalance), card merchant lines (acceptorName, transactionTypeCodeDesc), and e-wallet legs (senderAccount, destinationAccount, referenceId).

How does the Android client authenticate those calls?

The client exchanges grant_type and client_id (plus username/password on the password grant) for an accessToken, refreshToken, type and expiresIn, then sends Authorization: Bearer accessToken on the paylater, card and wallet calls. The app's PIN, OTP and biometric sign-in guard the session that mints that token.

Which Indonesia products sit on the same customer id?

A single cuid ties Bayar Nanti, installment contracts (commodityType, contractNumber), the Home Credit card, the in-app wallet used for pulsa/PLN/PDAM/BPJS, and FlexiFast cash-loan offers (offerAmount, term, flatRate).

Apps similar to Home Credit-Pinjaman & Kredit

Kredivo - Paylater & Pinjaman — Kredivo is an OJK-supervised Indonesian paylater and cash-loan (KTA) line of up to Rp50 million, repaid in 30 days or in 3–24 month installments at 4,000+ online and offline merchants.
Akulaku — Akulaku combines installment shopping, cash loans (pinjaman tunai) and PayLater in one Indonesian fintech app, with consumer-complaint handling by PT Akulaku Silvrr Indonesia.
Indodana PayLater — Indodana PayLater is an OJK-supervised Indonesian buy-now-pay-later line from Indodana Finance of up to Rp50 million, repaid in 30 days or in 3–24 month installments at partner merchants.
JULO — JULO is an OJK-supervised Indonesian digital-credit app whose one limit can be drawn as cash, e-wallet top-ups, or paylater spend on Tokopedia, Shopee, Lazada, Blibli and TikTok Shop, with installments of up to 12 months.
Easycash - Pinjaman Daring — Easycash is PT Indonesia Fintopia Technology's OJK-supervised unsecured cash-loan platform, with a published limit of up to Rp100 million.
Tunaiku - Pinjaman Dana Online — Tunaiku is the online cash-loan brand of PT Bank Amar Indonesia Tbk., an OJK-licensed Indonesian digital bank listed alongside Amar Bank's other retail products.
AdaKami — AdaKami is an OJK-licensed Indonesian online cash-loan platform that uses a published 30-day installment cycle and states it does not deduct fees up front.
Singa Fintech-Digital Loans — Singa Fintech is an Indonesian unsecured online cash-loan (pinjaman daring) app with a published limit of up to Rp48 million and tenors shown from 1 to 12 months.

More Lending apps

Topics

Home Credit Indonesia API
Bayar Nanti availableBalance
Home Credit installment schedule
Home Credit cardLimit
PT Home Credit Indonesia data
Indonesian paylater fields
Home Credit virtualAccount
FlexiFast offerAmount

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Home Credit Indonesia data API

Screenshots

API surface

OAuth2 access token

Bayar Nanti account details

Bayar Nanti transaction detail

Contract history

Installment schedule

Pending payments

Payment history

Credit card account details

Credit card transaction list

E-wallet transaction history

FlexiFast cash-loan apply

Credit card eligibility

Data categories

Where teams use this data

Bayar Nanti merchant reconciliation

Installment collections and VA matching

Home Credit card limit and spend analytics

Wallet and PPOB ledger audit

Frequently asked questions

Apps similar to Home Credit-Pinjaman & Kredit

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?

Home Credit Indonesia data API

Screenshots

API surface

OAuth2 access token

Bayar Nanti account details

Bayar Nanti transaction detail

Contract history

Installment schedule

Pending payments

Payment history

Credit card account details

Credit card transaction list

E-wallet transaction history

FlexiFast cash-loan apply

Credit card eligibility

Data categories

Where teams use this data

Bayar Nanti merchant reconciliation

Installment collections and VA matching

Home Credit card limit and spend analytics

Wallet and PPOB ledger audit

Frequently asked questions

Related apps

Apps similar to Home Credit-Pinjaman & Kredit

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?