Kredivo Paylater & Pinjaman Data API

PT Kredivo Finance Indonesia · Lending 4.8 ★

Kredivo - Paylater & Pinjaman is the consumer credit app from PT Kredivo Finance Indonesia, an OJK-licensed online credit-line provider headquartered at Dipo Tower on Jalan Jenderal Gatot Subroto in Jakarta. Borrowers open a revolving limit of up to IDR 50 million after a roughly five-minute registration, then spend it as a 30-day pay-in-full line (0% interest, no admin fee) or as 3-, 6-, 9-, 12-, 18- and 24-month installments starting at 1.99% per month, with a published maximum APR of 41.51%. The same limit pays at more than 10,000 Indonesian merchants — Alfamart, Indomaret, Tokopedia, Shopee, Lazada, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald's and others — and at cashiers through QRIS, with personal-loan (pinjaman) and motorcycle-EV financing sitting beside the paylater line. Kredivo Score grades the account, KrediMall and in-app billers cover goods and prepaid top-ups, and support is listed at [email protected] or 0804-1-573348. The Android client holds a 4.77 rating across 4,900,034 Google Play ratings and 50 million-plus installs, competing with Akulaku, Shopee PayLater, GoPay Later, Indodana and Home Credit for the same Indonesian paylater users.

Outstanding-due rows split kredivo_outstanding_due_amount from qris_outstanding_due_amount, each with its own due date and status, so the bill-home card can show in-app paylater debt next to cashier QRIS debt on the same borrower. Revolving headroom arrives as availableLimit against total_limit; the grade that prices new tenure sits in edu_score and kredivoScore.

Linked disbursement accounts return bank_name and account_number. Krom savings linkage adds krom_account_number, krom_balance and krom_account_status. Installment quotes carry tenure, installment_amount and eligible_tenures. Repayment rails list payment_channel_name and va_number. Underwriting files hold monthly_income and npwp_number. Loyalty balances show as user_point and cashback_amount. Recurring PLN and telco auto-pays expose subscription_id with next_payment_amount; cashier QR checkout returns merchant_id and transaction_token. NFC top-ups of Mandiri e-money, BCA Flazz and BNI TapCash return nfcCardType and cardBalance. Optional KrediShield quotes sit in insurance_fee and insurance_fee_per_day. The voucher wallet lists voucher_code, discount_amount and redeem_expiry_date. Fintech Data Center cool-off flags arrive as is_cool_off_fdc and pl_cool_off_fdc before a new pinjaman confirm. Optional skip-a-cycle quotes sit in payment_holiday_fee and payment_holiday_fee_per_day. Krom mix-payment checkout reports eligible_for_krom_mixpayment against krom_balance_available. Collection desks, BNPL aggregators and credit-policy tools stitch those fields into nightly limit monitors and overdue-VA reconciliation; openData Studio turns the same surface 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.

PIN login

POST /v1/auth/pin-session osint

Signs the borrower in with mobile_number and pin and mints the access_token, refresh_token and user_token later calls attach.

Auth: mobile_number and pin in the JSON body; response mints access_token

access_token
refresh_token
user_token
kredivo_user_id
mobile_number

POST /v1/auth/pin-session HTTP/1.1
Content-Type: application/json

{
  "mobile_number": "081234567890",
  "pin": "123456",
  "country_code": "ID"
}

{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rt_8f21c0",
  "user_token": "ut_91ab",
  "kredivo_user_id": "KV-10028441",
  "mobile_number": "081234567890"
}

Borrower profile
GET /v1/borrower/identity osint
Loads the signed-in borrower card: legal_name, NIK, mobile_number, email, date_of_birth and account_status used on the account screen.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- kredivo_user_id
- legal_name
- full_name
- mobile_number
- email
- date_of_birth
- nik
- account_status
```
GET /v1/borrower/identity HTTP/1.1
```
```
{
  "kredivo_user_id": "KV-10028441",
  "legal_name": "Siti Nurhaliza",
  "full_name": "Siti Nurhaliza",
  "mobile_number": "081234567890",
  "email": "[email protected]",
  "date_of_birth": "1994-04-12",
  "nik": "3174011204940001",
  "account_status": "ACTIVE"
}
```
Available credit limit
GET /v1/limit/available openfinance
Reads remaining revolving headroom (availableLimit) against the sanctioned total_limit shown on the home balance and limit-center strips.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- availableLimit
- availableLimitAmount
- total_limit
- user_available_limit
```
GET /v1/limit/available HTTP/1.1
```
```
{
  "availableLimit": 12500000,
  "availableLimitAmount": 12500000,
  "total_limit": 20000000,
  "user_available_limit": 12500000,
  "currency": "IDR"
}
```
Credit wallet snapshot
GET /v1/wallet/credit-line openbanking
Returns the credit-wallet card: wallet_status, account_status and the timestamped availableLimit used when e-wallet top-ups check remaining limit.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- wallet_status
- account_status
- availableLimit
- credit_wallet_timestamp
```
GET /v1/wallet/credit-line HTTP/1.1
```
```
{
  "wallet_status": "ACTIVE",
  "account_status": "ACTIVE",
  "availableLimit": 12500000,
  "credit_wallet_timestamp": "2026-10-14T09:12:00+07:00",
  "currency": "IDR"
}
```
Upcoming and late-term payments
GET /v1/bills/upcoming openfinance
Feeds the bills-and-repayment home: in-app paylater dues, QRIS dues, late-fee amount and the combined bill_amount.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- kredivo_outstanding_due_amount
- kredivo_outstanding_due_date
- kredivo_outstanding_due_status
- kredivo_payment_due_date
- kredivo_late_fee_amount
- qris_outstanding_due_amount
- qris_outstanding_due_date
- qris_outstanding_due_status
- total_outstanding_late_amount
- bill_amount
```
GET /v1/bills/upcoming HTTP/1.1
```
```
{
  "kredivo_outstanding_due_amount": 1850000,
  "kredivo_outstanding_due_date": "2026-10-25",
  "kredivo_outstanding_due_status": "UPCOMING",
  "kredivo_payment_due_date": "2026-10-25",
  "kredivo_late_fee_amount": 0,
  "qris_outstanding_due_amount": 275000,
  "qris_outstanding_due_date": "2026-10-25",
  "qris_outstanding_due_status": "UPCOMING",
  "total_outstanding_late_amount": 0,
  "bill_amount": 2125000
}
```
KKI bill details
GET /v1/statements/period openfinance
Returns one billing period's KKI statement: bill_amount, outstanding_amount, due_date and the VA number used to repay.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- bill_amount
- outstanding_amount
- due_date
- payment_channel
- va_number
- kredivo_transaction_id
```
GET /v1/statements/period?period=2026-10 HTTP/1.1
```
```
{
  "bill_amount": 2125000,
  "outstanding_amount": 2125000,
  "due_date": "2026-10-25",
  "payment_channel": "VA_BCA",
  "va_number": "7001234567890123",
  "kredivo_transaction_id": "TRX-882144"
}
```
KKI loan details
GET /v1/loans/open openfinance
Lists open installment loans with tenure, monthly installment_amount, remaining outstanding_amount and the next due date.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- kredivo_transaction_id
- tenure
- eligible_tenures
- installment_amount
- total_installment_amount
- next_installment_due_date
- outstanding_amount
```
GET /v1/loans/open HTTP/1.1
```
```
{
  "kredivo_transaction_id": "TRX-882144",
  "tenure": 12,
  "eligible_tenures": [3, 6, 9, 12],
  "installment_amount": 412950,
  "total_installment_amount": 4955400,
  "next_installment_due_date": "2026-11-25",
  "outstanding_amount": 3716550
}
```
Paylater installment quote
POST /v1/checkout/quote openfinance
Quotes a paylater checkout before PIN confirm: chosen tenure, monthly installment_amount, interest_rate, admin_fee and remaining availableLimit.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- tenure
- eligible_tenures
- installment_amount
- total_installment_amount
- interest_rate
- admin_fee
- availableLimit
```
POST /v1/checkout/quote HTTP/1.1
Content-Type: application/json

{
  "amount": 2500000,
  "tenure": 12,
  "payment_type": "INSTALLMENT"
}
```
```
{
  "tenure": 12,
  "eligible_tenures": [3, 6, 9, 12],
  "installment_amount": 412950,
  "total_installment_amount": 4955400,
  "interest_rate": 0.0299,
  "admin_fee": 25000,
  "availableLimit": 12500000
}
```
QRIS KKI dashboard
GET /v1/qr/dashboard openbanking
Loads the QRIS paylater home: outstanding cashier-scan dues and the KKI account status that gates further QR scans.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- qris_outstanding_due_amount
- qris_outstanding_due_date
- qris_outstanding_due_status
- qris_payment_due_date
- qris_account_status
```
GET /v1/qr/dashboard HTTP/1.1
```
```
{
  "qris_outstanding_due_amount": 275000,
  "qris_outstanding_due_date": "2026-10-25",
  "qris_outstanding_due_status": "UPCOMING",
  "qris_payment_due_date": "2026-10-25",
  "qris_account_status": "ACTIVE"
}
```
QRIS KKI account status
GET /v1/qr/account/status openbanking
Checks whether the KKI QRIS line is ACTIVE before the cashier-scan flow starts; a blocked status suspends further QRIS charges.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- qris_account_status
- account_status
- kredivo_user_id
```
GET /v1/qr/account/status HTTP/1.1
```
```
{
  "qris_account_status": "ACTIVE",
  "account_status": "ACTIVE",
  "kredivo_user_id": "KV-10028441"
}
```
Kredivo Score map
GET /v1/score/grade opendata
Returns the in-app Kredivo Score / edu_score grade that prices tenure and unlocks limit-increase CTAs on the score screen.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- edu_score
- previous_edu_score
- kredivoScore
- kredivoScoreBtnState
- kredivoScoreIconUrl
- user_edu_score_info
```
GET /v1/score/grade HTTP/1.1
```
```
{
  "edu_score": "AA",
  "previous_edu_score": "A",
  "kredivoScore": "AA",
  "kredivoScoreBtnState": "ENABLED",
  "kredivoScoreIconUrl": "https://cdn.example.com/score/ic_edu_score_aa.png",
  "user_edu_score_info": {
    "show_user_edu_score_info": true
  }
}
```
Linked personal-loan banks
POST /v1/banks/linked openbanking
Lists the personal-loan disbursement banks saved on the account, with bank_name and account_number used by pinjaman payouts.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- bank_name
- account_number
- bank_account_number
- legal_name
```
POST /v1/banks/linked HTTP/1.1
Content-Type: application/json

{}
```
```
{
  "banks": [
    {
      "bank_name": "BCA",
      "account_number": "1234567890",
      "bank_account_number": "1234567890",
      "legal_name": "Siti Nurhaliza"
    }
  ]
}
```
Loyalty point balance
GET /v1/rewards/points opendata
Reads the rewards-ledger balance shown on the points screen, including cashback_point earned from paylater spend.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- user_point
- user_points
- cashback_point
```
GET /v1/rewards/points HTTP/1.1
```
```
{
  "user_point": 18400,
  "user_points": 18400,
  "cashback_point": 2500,
  "currency": "POINT"
}
```
Transaction history
GET /v1/transactions openfinance
Pages the borrower's paylater and pinjaman ledger with transaction_id, chosen tenure and remaining outstanding_amount.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- transaction_id
- kredivo_transaction_id
- tenure
- installment_amount
- payment_channel
- outstanding_amount
```
GET /v1/transactions?page=1 HTTP/1.1
```
```
{
  "transactions": [
    {
      "transaction_id": "TRX-882144",
      "kredivo_transaction_id": "TRX-882144",
      "tenure": 12,
      "installment_amount": 412950,
      "payment_channel": "PAYLATER",
      "outstanding_amount": 3716550
    }
  ]
}
```
Cashback history
GET /v1/rewards/cashback opendata
Lists cashback_amount and cashback_point rows credited from paylater spend, plus the running total_cashback.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- transaction_id
- cashback_amount
- cashback_point
- potential_cashback
- total_cashback
```
GET /v1/rewards/cashback HTTP/1.1
```
```
{
  "items": [
    {
      "transaction_id": "TRX-882144",
      "cashback_amount": 25000,
      "cashback_point": 250,
      "potential_cashback": 0
    }
  ],
  "total_cashback": 185000
}
```
Request limit increase
POST /v1/limit/increase openfinance
Submits a revolving-limit increase after the in-store or SPG flow; the response echoes the new total_limit and whether is_limit_increase was accepted.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- is_limit_increase
- total_limit
- availableLimit
- edu_score
- account_status
```
POST /v1/limit/increase HTTP/1.1
Content-Type: application/json

{
  "kredivo_user_id": "KV-10028441"
}
```
```
{
  "is_limit_increase": true,
  "total_limit": 30000000,
  "availableLimit": 22500000,
  "edu_score": "AA",
  "account_status": "PENDING_REVIEW"
}
```
Repayment payment channels
GET /v1/payment/channels openbanking
Lists the virtual-account and other repayment rails the borrower can use, including the saved frequent_payment_channel and the va_number shown on the bill-pay screen.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- frequent_payment_channel
- payment_channel
- payment_channel_id
- payment_channel_name
- va_number
- va_number_formatted
```
GET /v1/payment/channels HTTP/1.1
```
```
{
  "frequent_payment_channel": "VA_BCA",
  "channels": [
    {
      "payment_channel": "VA_BCA",
      "payment_channel_id": "bca_va",
      "payment_channel_name": "BCA Virtual Account",
      "va_number": "7001234567890123",
      "va_number_formatted": "7001 2345 6789 0123"
    }
  ]
}
```
Nearby merchant stores
GET /v1/stores/nearby opendata
Returns paylater-accepting stores near the device GPS fix, with store_name, merchant_name and store_distance used by the shop-nearby map.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- store_id
- store_name
- merchant_name
- store_distance
- latitude
- longitude
```
GET /v1/stores/nearby?latitude=-6.186486&longitude=106.834091 HTTP/1.1
```
```
{
  "stores": [
    {
      "store_id": "ST-ALFA-8841",
      "store_name": "Alfamart Menteng",
      "merchant_name": "Alfamart",
      "store_distance": 0.42,
      "latitude": -6.1869,
      "longitude": 106.8332
    }
  ]
}
```
Motorcycle EV eligibility
GET /v1/ev/eligibility openfinance
Checks whether the signed-in borrower can start motorcycle-EV financing, returning buying_purpose, required down_payment_amount and remaining availableLimit.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- ineligibleReason
- buying_purpose
- down_payment_amount
- availablePayments
- availableLimit
```
GET /v1/ev/eligibility HTTP/1.1
```
```
{
  "eligible": true,
  "ineligibleReason": null,
  "buying_purpose": "PERSONAL",
  "down_payment_amount": 2500000,
  "availablePayments": ["PAYLATER", "INSTALLMENT"],
  "availableLimit": 12500000
}
```
Motorcycle EV installment quote
POST /v1/ev/quote openfinance
Prices a motorcycle-EV financing plan on the simulation screen: down_payment_amount, tenure, monthly installment_amount and remaining availableLimit.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- down_payment_amount
- tenure
- installment_amount
- total_installment_amount
- interest_rate
- availableLimit
- buying_purpose
```
POST /v1/ev/quote HTTP/1.1
Content-Type: application/json

{
  "down_payment_amount": 2500000,
  "tenure": 18,
  "buying_purpose": "PERSONAL"
}
```
```
{
  "down_payment_amount": 2500000,
  "tenure": 18,
  "installment_amount": 685000,
  "total_installment_amount": 12330000,
  "interest_rate": 0.0199,
  "availableLimit": 12500000,
  "buying_purpose": "PERSONAL"
}
```
Krom digital-bank linkage
POST /v1/savings/link openbanking
Starts or returns the Krom savings-account linkage used on the limit-center Krom card, with krom_account_number and krom_account_status.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- krom_account_number
- krom_account_status
- krom_account_info
- legal_name
- account_status
```
POST /v1/savings/link HTTP/1.1
Content-Type: application/json

{
  "kredivo_user_id": "KV-10028441"
}
```
```
{
  "krom_account_number": "8880123456789",
  "krom_account_status": "LINKED",
  "krom_account_info": {
    "legal_name": "Siti Nurhaliza",
    "account_status": "ACTIVE"
  }
}
```
Krom savings balances
GET /v1/savings/balance openbanking
Reads the linked Krom savings snapshot used for mix-payment checkout: krom_balance, krom_balance_available and krom_account_status.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- krom_account_number
- krom_account_status
- krom_balance
- krom_balance_available
- krom_account_info
```
GET /v1/savings/balance HTTP/1.1
```
```
{
  "krom_account_number": "8880123456789",
  "krom_account_status": "LINKED",
  "krom_balance": 1450000,
  "krom_balance_available": 1450000,
  "krom_account_info": {
    "status": "ACTIVE"
  }
}
```
Loan restructure detail
GET /v1/loans/restructure openfinance
Loads one bill-extension / loan-restructure case: loan_restructure_id, loan_restructure_status and the outstanding_amount being rescheduled.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- loan_restructure_id
- restructure_id
- loan_restructure_status
- outstanding_amount
- kredivo_transaction_id
```
GET /v1/loans/restructure?loan_restructure_id=RS-44102 HTTP/1.1
```
```
{
  "loan_restructure_id": "RS-44102",
  "restructure_id": "RS-44102",
  "loan_restructure_status": "PENDING_CONFIRM",
  "outstanding_amount": 3716550,
  "kredivo_transaction_id": "TRX-882144"
}
```
KKI card detail
GET /v1/card/detail openbanking
Returns the KKI virtual-card / QRIS card face: masked card_number and card_account_status shown on the card-detail popup.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- card_number
- card_account_status
- qris_account_status
- kredivo_user_id
```
GET /v1/card/detail HTTP/1.1
```
```
{
  "card_number": "6288********4412",
  "card_account_status": "ACTIVE",
  "qris_account_status": "ACTIVE",
  "kredivo_user_id": "KV-10028441"
}
```
NPWP tax-ID check
POST /v1/kyc/tax-id osint
Validates the borrower's Indonesian NPWP tax number during registration and limit-increase, returning has_npwp and the matched legal_name.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- npwp_number
- npwpNumber
- has_npwp
- legal_name
```
POST /v1/kyc/tax-id HTTP/1.1
Content-Type: application/json

{
  "npwp_number": "10.123.456.7-012.000",
  "npwpNumber": "101234567012000"
}
```
```
{
  "npwp_number": "10.123.456.7-012.000",
  "npwpNumber": "101234567012000",
  "has_npwp": true,
  "legal_name": "Siti Nurhaliza"
}
```
Income statement
GET /v1/kyc/income openfinance
Returns the declared monthly_income and income_source used by underwriting and the in-store limit-increase income-proof step.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- monthly_income
- income_source
- other_income_source
- npwp
- has_npwp
```
GET /v1/kyc/income HTTP/1.1
```
```
{
  "monthly_income": 8500000,
  "income_source": "SALARY",
  "other_income_source": null,
  "npwp": "10.123.456.7-012.000",
  "has_npwp": true
}
```
Borrower address
GET /v1/profile/address osint
Loads the KYC residence card: user_address, province, city and postal_code used by activation and Krom registration forms.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- user_address
- address_detail
- province
- city
- postal_code
```
GET /v1/profile/address HTTP/1.1
```
```
{
  "user_address": "Jl. Menteng Raya No. 12",
  "address_detail": "Rt 003/Rw 005",
  "province": "DKI Jakarta",
  "city": "Jakarta Pusat",
  "postal_code": "10310"
}
```
Biller product inquiry
POST /v1/billers/inquire opendata
Looks up a prepaid or postpaid biller product before checkout: account_name on the meter/phone, denomination and admin_fee charged to the paylater line.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- product_code
- customer_id
- account_name
- operator_name
- denomination
- admin_fee
```
POST /v1/billers/inquire HTTP/1.1
Content-Type: application/json

{
  "product_code": "PLN_PREPAID_50K",
  "customer_id": "12345678901",
  "operator_name": "PLN"
}
```
```
{
  "product_code": "PLN_PREPAID_50K",
  "customer_id": "12345678901",
  "account_name": "SITI NURHALIZA",
  "operator_name": "PLN",
  "denomination": 50000,
  "admin_fee": 2500
}
```
Recurring bill subscriptions
GET /v1/billers/subscriptions opendata
Lists auto-pay biller subscriptions charged to the paylater line: subscription_id, bill type, meter/phone account, cadence and the next_payment_amount.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- subscription_id
- external_subscription_id
- subscription_bill_type
- subscription_provider_code
- subscription_account_number
- subscription_frequency
- subscription_day
- next_payment_amount
```
GET /v1/billers/subscriptions HTTP/1.1
```
```
{
  "subscriptions": [
    {
      "subscription_id": "SUB-PLN-4412",
      "external_subscription_id": "ext_pln_4412",
      "subscription_bill_type": "PLN_PREPAID",
      "subscription_provider_code": "PLN",
      "subscription_account_number": "12345678901",
      "subscription_frequency": "MONTHLY",
      "subscription_day": 25,
      "next_payment_amount": 52500
    }
  ]
}
```

In-store QR checkout

POST /v1/checkout/qr openfinance

Charges the revolving line at a cashier QR/barcode: merchant_id, chosen payment_type and remaining availableLimit after the scan.

Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session

transaction_id
transaction_token
merchant_id
merchant_name
payment_type
available_payment_types
availableLimit
transaction_status

POST /v1/checkout/qr HTTP/1.1
Content-Type: application/json

{
  "merchant_id": "M-ALFA-8841",
  "transaction_token": "tt_9c21ab",
  "payment_type": "PAYLATER",
  "availableLimit": 12500000
}

{
  "transaction_id": "TRX-990211",
  "transaction_token": "tt_9c21ab",
  "merchant_id": "M-ALFA-8841",
  "merchant_name": "Alfamart Menteng",
  "payment_type": "PAYLATER",
  "available_payment_types": ["PAYLATER", "INSTALLMENT"],
  "availableLimit": 11950000,
  "transaction_status": "SUCCESS"
}

NFC e-money card scan
POST /v1/topup/nfc-scan openbanking
Reads a tapped Mandiri e-money, BCA Flazz or BNI TapCash card over NFC and returns nfcCardType plus cardBalance so the top-up screen can charge the remaining availableLimit.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- nfcCardType
- cardBalance
- nfcResult
- nfcResultModel
- availableLimit
```
POST /v1/topup/nfc-scan HTTP/1.1
Content-Type: application/json

{
  "nfcCardType": "MANDIRI_EMONEY",
  "nfcResult": "iso_dep_payload"
}
```
```
{
  "nfcCardType": "MANDIRI_EMONEY",
  "cardBalance": 125000,
  "nfcResultModel": {
    "nfcCardType": "MANDIRI_EMONEY",
    "cardBalance": 125000
  },
  "availableLimit": 12500000
}
```
KrediShield insurance product
GET /v1/checkout/addons/insurance openfinance
Quotes the optional KrediShield premium attached to a paylater or pinjaman checkout: insurance_fee, insurance_fee_per_day and the insurance_agreement_html shown on the toggle.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- apply_insurance
- insurance_amount
- insurance_fee
- insurance_fee_per_day
- insurance_fee_per_month
- insurance_agreement_html
```
GET /v1/checkout/addons/insurance HTTP/1.1
```
```
{
  "apply_insurance": true,
  "insurance_amount": 18500,
  "insurance_fee": 18500,
  "insurance_fee_per_day": 650,
  "insurance_fee_per_month": 18500,
  "insurance_agreement_html": "<p>KrediShield...</p>"
}
```
Voucher wallet list
GET /v1/vouchers opendata
Pages the signed-in voucher wallet used at paylater checkout: voucher_code, discount_amount, min_transaction_amount and redeem_expiry_date.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- voucher_id
- user_voucher_id
- voucher_code
- voucher_name
- voucher_type
- discount_amount
- min_transaction_amount
- redeem_expiry_date
```
GET /v1/vouchers HTTP/1.1
```
```
{
  "vouchers": [
    {
      "voucher_id": "VC-ALFA-8841",
      "user_voucher_id": "UV-10028441",
      "voucher_code": "ALFA50K",
      "voucher_name": "Alfamart Rp50rb",
      "voucher_type": "MERCHANT",
      "discount_amount": 50000,
      "min_transaction_amount": 150000,
      "redeem_expiry_date": "2026-11-30"
    }
  ]
}
```
FDC bureau cool-off
GET /v1/credit-bureau/cooloff openfinance
Reads Fintech Data Center (FDC) cool-off flags before a pinjaman or paylater confirm: is_cool_off_fdc and pl_cool_off_fdc gate whether the borrower can take a new loan.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- is_cool_off_fdc
- fdc_cool_off
- pl_cool_off_fdc
- kredivo_user_id
```
GET /v1/credit-bureau/cooloff HTTP/1.1
```
```
{
  "is_cool_off_fdc": false,
  "fdc_cool_off": false,
  "pl_cool_off_fdc": false,
  "kredivo_user_id": "KV-10028441"
}
```
Payment-holiday product
GET /v1/checkout/addons/holiday openfinance
Quotes the optional skip-a-cycle payment holiday attached to a checkout: payment_holiday_allowed, payment_holiday_fee and payment_holiday_fee_per_day shown on the toggle.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- payment_holiday_allowed
- payment_holiday_enabled
- payment_holiday_fee
- payment_holiday_fee_per_day
- payment_holiday_description
```
GET /v1/checkout/addons/holiday HTTP/1.1
```
```
{
  "payment_holiday_allowed": true,
  "payment_holiday_enabled": true,
  "payment_holiday_fee": 35000,
  "payment_holiday_fee_per_day": 1200,
  "payment_holiday_description": "Skip this cycle for a fee"
}
```
Krom mix-payment limit
GET /v1/savings/mixpayment openbanking
Returns how much of a checkout can be split onto the linked Krom savings balance versus the revolving line: eligible_for_krom_mixpayment, krom_balance_available and remaining availableLimit.
Auth: Bearer access_token from POST /v1/auth/pin-session (mobile_number + pin); X-Session
- eligible_for_krom_mixpayment
- krom_balance
- krom_balance_available
- krom_account_status
- availableLimit
```
GET /v1/savings/mixpayment HTTP/1.1
```
```
{
  "eligible_for_krom_mixpayment": true,
  "krom_balance": 1450000,
  "krom_balance_available": 1450000,
  "krom_account_status": "LINKED",
  "availableLimit": 12500000
}
```

Where teams use this data

Paylater limit monitoring
A lender or BNPL aggregator polls availableLimit and total_limit nightly so collection and underwriting desks see remaining revolving headroom before a new checkout is allowed.
Bill and late-fee reconciliation
Finance ops match kredivo_outstanding_due_amount, kredivo_payment_due_date and kredivo_late_fee_amount against bank VA credits so overdue IDR bills are flagged the same day they age.
QRIS KKI exposure dashboard
A merchant-risk desk reads qris_outstanding_due_amount and qris_account_status to separate cashier-scan debt from in-app paylater debt on the same borrower.
NFC top-up and voucher checkout feed
A wallet or merchant POS reads nfcCardType and cardBalance from a tapped Mandiri/Flazz/TapCash card, then applies voucher_code and discount_amount against remaining availableLimit before the paylater charge posts.

Frequently asked questions

What credit-limit fields does Kredivo expose?

The limit read returns availableLimit, total_limit and user_available_limit for the signed-in revolving line. A separate limit-increase write asks for a higher total_limit after the in-store or SPG limit-increase flow and echoes is_limit_increase with the new total_limit and account_status.

How are paylater bills different from QRIS bills?

The upcoming-bills read returns kredivo_outstanding_due_amount alongside qris_outstanding_due_amount, each with its own due date and status, so in-app paylater debt sits next to cashier QRIS debt on the same borrower. QRIS KKI detail comes from the QR dashboard and the per-period statement read; in-app paylater loan rows sit on the open-loans read.

How does the app authenticate these calls?

The login call takes mobile_number and pin and mints access_token, refresh_token and user_token. Later calls send Authorization: Bearer plus an X-Session header, and the checkout flow re-checks the PIN before a charge posts.

Is Kredivo Score part of the same surface?

Yes. The score-map read returns edu_score, previous_edu_score and the kredivoScore grade shown on the score and limit-center screens. Those grades gate tenure pricing and limit-increase eligibility.

Apps similar to Kredivo - Paylater & Pinjaman

Akulaku — Akulaku combines cash loans, PayLater and merchant installments in one Indonesian app, with financing from OJK-licensed PT Akulaku Finance Indonesia.
Indodana PayLater — Indodana PayLater is an OJK-supervised Indonesian buy-now-pay-later line of up to Rp50 million, repaid in 30 days or in 3-, 6-, 12-, 18- or 24-month installments at partner merchants.
Home Credit Indonesia — Home Credit Indonesia (PT Home Credit Indonesia) finances phones, TVs, laptops and other goods in store or online on installment plans, and also offers cash financing.
Easycash - Pinjaman Daring — Easycash is an OJK-licensed Indonesian unsecured cash-loan app offering IDR 100,000 to IDR 100,000,000 over 3–12 months without a credit card.
Tunaiku - Pinjaman Dana Online — Tunaiku is PT Bank Amar Indonesia's OJK-licensed unsecured cash-loan (KTA) app, disbursing IDR 2 million to IDR 30 million over 6–30 months.
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.
AdaKami — AdaKami is an OJK-licensed Indonesian online cash-loan platform that disburses unsecured funds on a published 30-day installment cycle and states it does not deduct fees up front.
Singa Fintech-Digital Loans — Singa Fintech is PT Abadi Sejahtera Finansindo's OJK-licensed Indonesian cash-loan app, with published limits from IDR 1.1 million to IDR 48 million.

More Lending apps

Topics

Kredivo API
Kredivo paylater data
availableLimit
kredivo_outstanding_due_amount
QRIS KKI bills
edu_score
PT Kredivo Finance Indonesia
Indonesia BNPL API

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Kredivo Paylater & Pinjaman Data API

Screenshots

API surface

PIN login

Borrower profile

Available credit limit

Credit wallet snapshot

Upcoming and late-term payments

KKI bill details

KKI loan details

Paylater installment quote

QRIS KKI dashboard

QRIS KKI account status

Kredivo Score map

Linked personal-loan banks

Loyalty point balance

Transaction history

Cashback history

Request limit increase

Repayment payment channels

Nearby merchant stores

Motorcycle EV eligibility

Motorcycle EV installment quote

Krom digital-bank linkage

Krom savings balances

Loan restructure detail

KKI card detail

NPWP tax-ID check

Income statement

Borrower address

Biller product inquiry

Recurring bill subscriptions

In-store QR checkout

NFC e-money card scan

KrediShield insurance product

Voucher wallet list

FDC bureau cool-off

Payment-holiday product

Krom mix-payment limit

Data categories

Where teams use this data

Paylater limit monitoring

Bill and late-fee reconciliation

QRIS KKI exposure dashboard

NFC top-up and voucher checkout feed

Frequently asked questions

Related apps

Apps similar to Kredivo - Paylater & Pinjaman

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Topics

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