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Payment Flow

Last updated 09/20/2021

When you create an invoice (through Dashboard or API), you will be provided with an invoice link and QR code (for invoices created via Dashboard) that you can share with your customer to pay.

Success response upon Invoice creation. We provide link, QR code, and shortened link for you to share with your customers

When your customer click the Invoice link, Invoice interface will be displayed as follow Checkout UI

You can share the invoice URL with your customer or download QR code, which your customers can click or scan to access the Checkout UI.

Please note that the QR Code can only be scanned using a mobile camera and not eWallet applications

QR code

If you need to download the QR code again, go to your Dashboard > Accept Payments > Invoices > Download QR Code:

Payment Channels

XenInvoice allows your end customer to choose the payment channel they want to pay with. The payment flow will vary depending on your customer’s payment channel selection, as illustrated below.

Pay with eWallet

Available in Indonesia 🇲🇨 and Philippines 🇵🇭
  1. When your customer chooses eWallet to pay the invoice, they will see the list of available eWallets they can pay through.

  2. When your customer clicks on an eWallet, they will see channel-specific instructions on how to proceed with the payment (in this example, the customer needs to input their mobile number before paying with OVO)

  3. When they click “Pay Now,” your customer will need to confirm the payment on the eWallet app.

Pay with Bank Transfer

Available in Indonesia 🇲🇨
  1. When your customer chooses Bank Transfer to pay the invoice, they will see the list of available banks they can pay through.

  2. Once they click on one of the bank accounts, they will see the virtual account number, virtual account name, and specific payment instructions on how to complete the payment for their selected bank.

Pay with Retail Outlet / Over-the-Counter (OTC)

Available in Indonesia 🇲🇨 and Philippines 🇵🇭
  1. When your customer chooses Retail Outlet to pay the invoice, they will see the available retail outlets they can pay at.

  2. When they click on one of the retail outlet (in this case, Alfamart), they will see specific payment instructions on how to complete the payment for their selected retail outlet.

Pay with Credit/Debit Cards

Available in Indonesia 🇲🇨 and Philippines 🇵🇭
  1. When your customer chooses Credit / Debit Card to pay the invoice, they will see input fields to type in their card number, card expiry date and CVV.

  2. If the cardholder’s credit card qualifies for installments or promotions, the Checkout UI will dynamically show the available installment plans for your customer to select from.

  3. When they click “Pay Now,” your customer will need to pass the 3DS authentication process and may be asked to input a One-Time Pin (OTP), depending on your configured business preferences.

Pay with Direct Debit

Available in Indonesia 🇲🇨 and Philippines 🇵🇭
  1. When your customer chooses Direct Debit to pay the invoice, they will see the list of available Direct Debit banks they can pay through.

  2. When your customer clicks on a Direct Debit bank, they will see a Customer’s Information Page, which will require them to input channel-specific fields such as First and Last Name, Mobile Number and Email.

  3. When they click “Pay Now,” your customer will receive an OTP to their mobile number to input on the modal.

  4. After they input a valid OTP, they will be redirected to the success payment page.

Once the payment is successful, Xendit will send the invoice paid callback to the callback URL you have set on your dashboard and the invoice status will be updated to “paid” immediately. If the invoice is not paid before it expires, Xendit will send invoice expired callback to your callback URL. You can enable this on your Dashboard > Settings > Callbacks > Invoices.