Integrating with Xendit Bill Payments is straightforward and follows a consistent flow. This guide will walk you through the key endpoints and integration steps to help you implement Bill Payments in your application.

Integration Flow

The Bill Payments API follows a 6-step process:

Product List - Get available products from Xendit
Bill Inquiry - Send inquiry request to check bill details
Bill Payment - Initiate bill payment
Payment Collection - Collect payment from users through Xendit Payment API
Receive Callback - Get notified about payment status
Payment Status - Check bill payment details via GET endpoint

Base URL

https://api.xendit.co/bill-payments

Core API Endpoints

Endpoint	Purpose	Key Features
`GET /v1/product`	Gets available products with optional filtering	Filtering by multiple criteria Availability status Complete product pricing details
`POST /v1/inquiry`	Verifies bill details before payment	Standardized response across billers Organized information structure Pre-payment validation
`POST /v1/payment`	Submits payment for a specific product	Idempotency protection Async processing
`GET /v1/payment/{id}`	Retrieves detailed payment information	Complete transaction details Detailed success/failure info Payment proof details
Callback	Notifies merchants when payment is completed	Signature validation Retry mechanism Essential transaction information

Integration Steps

Authentication
Use your Xendit API key in the Authorization header:
```
Authorization: Basic <Base64 encoded API key>
```
Get Available Products
Retrieve the list of available bill payment products to display to your users:
```
GET /v1/product?category=ELECTRICITY
```
Verify Bill Details
When a user enters their customer number, verify the bill details:
```
POST /v1/inquiry
```
Process Payment
After the user confirms the payment, initiate the transaction:
```
POST /v1/payment
```
Handle Callback
Set up a secure endpoint to receive payment status updates from Xendit.
Check Payment Status
For additional verification or user inquiries:
```
GET /v1/payment/{id}
```

Best Practices

Implement Idempotency: Use idempotency keys for payment requests to prevent duplicate transactions.
Verify Signatures: Always validate callback signatures to ensure request authenticity.
Error Handling: Implement proper retry logic and monitor for error patterns.
Status Checking: Don't rely solely on callbacks; implement status checking, it is mandatory.
Timeout Management: Set appropriate timeouts for API requests.
Webhook Processing: Process callbacks asynchronously for better system performance.

Error Scenarios

When integrating with Bill Payments API, you may encounter various error scenarios. Understanding these errors and implementing proper handling will ensure a smooth user experience.

Common Error Categories

Category	Description	Example
Customer Validation	Errors related to customer information	Invalid customer number, duplicate reference ID
Bill Status	Errors related to bill payment status	Bill already paid, no outstanding bills
System	Errors from biller systems or Xendit	Timeout, maintenance, general errors
Product	Errors related to product availability	Product not found, temporarily unavailable
Transaction	Errors during transaction processing	Insufficient balance, exceeding limits

Failure Codes

Error Code	HTTP Status	Description	Handling Recommendation
`CUSTOMER_NOT_FOUND`	404	Customer number not found in biller's system	Prompt user to verify their account number
`DUPLICATE_REFERENCE_ID`	409	Reference ID already used	Generate a new unique reference ID
`BILL_ALREADY_PAID`	409	Bill has been paid	Inform user the bill is already settled
`NO_OUTSTANDING_BILL`	404	No pending bills found	Notify user there are no bills to pay
`BILLER_TIMEOUT`	504	Biller system timeout	Implement retry with exponential backoff
`BILLER_MAINTENANCE`	503	Biller system under maintenance	Show maintenance schedule if available
`BILLER_ERROR`	502	General biller error	Display generic error with retry option
`PRODUCT_NOT_FOUND`	404	Product not found	Verify product code or availability
`BALANCE_INSUFFICIENT`	402	Insufficient merchant balance	Top up merchant balance

Error Handling Strategies

Retry Logic
Implement exponential backoff for retrying failed requests:
- First retry: 15 minutes after initial attempt
- Second retry: 45 minutes after first retry
- Third retry: 2 hours after second retry
- Fourth retry: 3 hours after third retry
- Fifth retry: 6 hours after fourth retry
- Final retry: 12 hours after fifth retry
User Communication
Translate technical error codes into user-friendly messages:
- For CUSTOMER_NOT_FOUND: "The account number you entered was not found. Please check and try again."
- For BILL_ALREADY_PAID: "This bill has already been paid. No further action needed."
- For system errors: "We're having trouble connecting to the service provider. Please try again in a few minutes."
Fallback Mechanisms
Implement fallback options when primary functions fail:
- If inquiry fails, provide manual input option
- If payment fails, suggest alternative payment methods
- If callbacks aren't received, implement status polling
Logging and Monitoring
Maintain detailed logs for troubleshooting:
- Log all request/response pairs with timestamps
- Monitor error rates by category
- Set up alerts for unusual error patterns
Security Measures
Protect your integration from common security issues:
- Verify callback signatures using the provided secret
- Validate timestamp to prevent replay attacks
- Implement idempotency for all payment operations

By understanding these error scenarios and implementing proper handling strategies, you can provide a reliable bill payment experience to your users while minimizing support issues.

Activate products

Activation methods (applicable after account verification)