Payment Gateway

Midtrans
API integration

Ship Payment Gateway features without building the integration. Full Midtrans API access via Proxy and 40+ MCP-ready tools for AI agents — extend models and mappings to fit your product.

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Use Cases

Why integrate with Midtrans

Common scenarios for SaaS companies building Midtrans integrations for their customers.

Enable localized checkout for SEA e-commerce merchants

Let your merchants accept payments from Indonesian buyers via QRIS, Virtual Accounts, GoPay, and other regional methods without you building integrations to each local rail. Truto handles the Midtrans connection so your platform can offer a full SEA-ready payment stack out of the box.

Automate invoice collection in CRM and billing tools

Generate Midtrans payment links tied to invoices and reconcile them against transaction status automatically. Perfect for B2B SaaS platforms whose users need to collect IDR payments without leaving their workflow or logging into the Midtrans dashboard.

Power recurring billing for subscription businesses

Offer merchants running gyms, SaaS products, or membership services the ability to charge cards or GoPay wallets on a schedule. Create, update, pause, and cancel Midtrans subscriptions natively from within your product.

Build a native refund and fraud review console

Give merchants the ability to refund, cancel, approve, or deny transactions directly in your dashboard. Removes the operational friction of jumping between your product and the Midtrans MAP for day-to-day payment operations.

Enable one-click checkout via wallet linking

Let end-buyers bind their GoPay accounts to your platform once and trigger silent direct debits for future purchases. Ideal for on-demand marketplaces, ride-hailing clones, or any product optimizing for repeat purchase conversion.

What You Can Build

Ship these features with Truto + Midtrans

Concrete product features your team can ship faster by leveraging Truto’s Midtrans integration instead of building from scratch.

Embedded SNAP checkout widget

Use the SNAP token endpoint to render Midtrans's hosted checkout inside your app, exposing all 24+ local payment methods with zero UI work.

Dynamic QRIS payment screens

Generate QRIS codes on the fly for in-app scan-to-pay experiences and poll their status to confirm settlement in real time.

Virtual Account bank transfer flows

Provision unique VA numbers per order across supported Indonesian banks and track their payment status to reconcile bank transfers automatically.

Recurring subscription manager

Create, enable, disable, update, and cancel Midtrans subscription schedules from your billing UI so merchants can manage plans without leaving your product.

Merchant refund and cancellation console

Expose refund, direct refund, cancel, and expire actions in your merchant dashboard so support teams can resolve payment issues in a single click.

GoPay account linking for one-click pay

Implement the account linking and direct debit auth flow so buyers can bind GoPay once and complete future purchases via silent capture calls.

SuperAI

Midtrans AI agent tools

Comprehensive AI agent toolset with fine-grained control. Integrates with MCP clients like Cursor and Claude, or frameworks like LangChain.

midtrans_transactions_cancel

Cancel a Midtrans transaction to void it. Use refund instead if the transaction is already settled. Returns: status_code, status_message, transaction_id, masked_card, order_id, payment_type, transaction_time, transaction_status, fraud_status, bank, gross_amount. Required: order_id_or_transaction_id.

midtrans_transactions_refund

Refund a settled Midtrans transaction to reverse money back to the customer. Supported for credit_card, gopay, shopeepay, dana, ovo, QRIS, kredivo, and akulaku. Returns: status_code, status_message, transaction_id, order_id, payment_type, transaction_time, transaction_status, gross_amount, refund_chargeback_id, refund_amount, refund_key, amount, reason. Required: order_id_or_transaction_id.

midtrans_transactions_direct_refund

Send a direct refund request to the bank or payment provider for a settled Midtrans transaction for faster processing than standard refund. Supported for GoPay, QRIS, ShopeePay, Credit Card, Akulaku, and Kredivo. Returns: status_code, status_message, transaction_id, order_id, gross_amount, payment_type, transaction_time, transaction_status, refund_chargeback_id, refund_amount, refund_key.…

midtrans_transactions_expire

Expire a Midtrans transaction by order ID or transaction ID, updating transaction_status to expire when the customer fails to complete payment. The expired order_id can be reused for the same or different payment methods. Returns: status_code, status_message, transaction_id, order_id, payment_type, transaction_time, transaction_status, signature_key, bank, gross_amount, permata_va_number.…

midtrans_transactions_approve

Approve a challenged Midtrans transaction by order ID or transaction ID, accepting a transaction flagged by the Fraud Detection System so it proceeds to settlement instead of being automatically canceled. Returns: status_code, status_message, transaction_id, masked_card, order_id, payment_type, transaction_time, transaction_status, fraud_status, bank, gross_amount, approval_code, signature_key,…

midtrans_transactions_get_status_b_2_b

Get the B2B transaction status for a specific order or transaction in Midtrans. Returns: status_code, status_message, transaction_id, masked_card, order_id, payment_type, transaction_time, transaction_status, fraud_status, approval_code, signature_key, bank, gross_amount, channel_response_code, channel_response_message, card_type, payment_option_type, shopeepay_reference_number, reference_id,…

midtrans_transactions_capture

Capture an authorized Midtrans card transaction to settle the transaction balance. Only applicable when transaction_status is 'authorize' (pre-authorized credit card or GoPay). Returns: status_code, status_message, transaction_id, masked_card, order_id, payment_type, transaction_time, transaction_status, fraud_status, bank, gross_amount. Required: transaction_id.

midtrans_transactions_deny

Deny a challenged card payment transaction in Midtrans. The transaction must have fraud_status challenge. Returns: transaction_id, order_id, gross_amount, payment_type, transaction_time, transaction_status, fraud_status, masked_card, status_code, bank, status_message. Required: order_id_or_transaction_id.

create_a_midtrans_transaction

Create a new Midtrans transaction charge with a specified payment type and transaction details. Returns: status_code, status_message, transaction_id, order_id, gross_amount, payment_type, transaction_time, transaction_status, fraud_status, masked_card, approval_code, bank, custom_field1, custom_field2, custom_field3, metadata, bank_transfer, transaction_details. Required: payment_type,…

list_all_midtrans_transactions

Get the status and details of a Midtrans transaction by order ID or transaction ID. For BI SNAP and DANA payment methods, only transaction ID works. Returns: status_code, status_message, transaction_id, order_id, gross_amount, payment_type, transaction_time, transaction_status, fraud_status, masked_card, approval_code, bank, signature_key, channel_response_code, channel_response_message,…

midtrans_card_get_token

Get a card token in Midtrans by securely sending credit card details to obtain a Token ID for card payment transactions. Returns: status_code, status_message, validation_messages, token_id, hash, id, name, amount, currency, created_at, schedule, status, token, payment_type, metadata, customer_details, gopay. Required: card_number, card_cvv, card_exp_month, card_exp_year. Applicable only for card…

midtrans_card_register

Register a card in Midtrans for future one-click and two-click transactions by submitting card number and expiry. Returns: status_code, saved_token_id, transaction_id, masked_card. Required: card_number, card_exp_month, card_exp_year.

create_a_midtrans_payment_link

Create a Midtrans payment link with desired transaction details. Returns: order_id, payment_url. Required: transaction_details containing order_id (and gross_amount for FIXED_AMOUNT links, omitted when payment_link_type is DYNAMIC_AMOUNT).

midtrans_snap_create_token

Create a Snap payment token in Midtrans by submitting transaction details and optional payment configuration. Returns: token, redirect_url. Required: transaction_details (including order_id and gross_amount).

create_a_midtrans_subscription

Create a Midtrans subscription or recurring transaction. Returns: id, name, amount, currency, created_at, schedule, status, token, payment_type, metadata, customer_details, gopay. Required: name, amount, currency, payment_type, token, schedule. Only IDR currency and credit_card or gopay payment types are supported.

get_single_midtrans_subscription_by_id

Get a single Midtrans subscription by id. Returns: id, name, amount, currency, created_at, schedule, status, token, payment_type, metadata, customer_details, gopay. Required: id.

midtrans_subscriptions_disable

Disable a Midtrans subscription so the customer is not charged in the future. Returns: status_message. Required: subscription_id. Pending retries from previous failed payments will still execute after disabling.

midtrans_subscriptions_enable

Enable a Midtrans subscription so the customer can start paying for the subscription immediately. Returns: status_message. Required: subscription_id.

update_a_midtrans_subscription_by_id

Update a Midtrans subscription's details or reactivate an expired subscription by updating its schedule. Returns: status_message. Required: id, name, amount, currency, token. Only schedule.interval can be updated; interval_unit and max_interval cannot be changed, and the payment method cannot be changed mid-subscription.

midtrans_subscriptions_cancel

Cancel a Midtrans subscription by subscription_id, stopping future charges and any pending retries from previous failed charge attempts. Returns: status_message. Required: subscription_id.

midtrans_access_token_get_access_token

Get a B2B access token from Midtrans using the OAuth 2.0 client_credentials grant. Returns: responseCode, responseMessage, accessToken, tokenType, expiresIn, id, name, amount, currency, created_at, schedule, status, token, payment_type, metadata, customer_details, gopay. Required: grantType.

midtrans_account_linking_get_auth_code

Get an auth code to initiate GoPay account linking in Midtrans, redirecting the user to the GoPay PIN/OTP page. Returns: responseCode, responseMessage, referenceNo. Required: redirectURL, scopes, state, merchantId, lang, seamlessData, seamlessSign.

midtrans_account_linking_bind_account

Bind a GoPay account in Midtrans using an authCode to obtain a customer access token. Returns: responseCode, responseMessage, referenceNo, accessTokenInfo. Required: merchantId, authCode, grantType.

midtrans_account_linking_inquiry_binding

Inquire about a GoPay account binding in Midtrans to fetch account status, balance, payment options, and the current payment option token. Returns: responseCode, responseMessage, referenceNo, additionalInfo.

midtrans_account_linking_unbind_account

Unbind a linked GoPay account from a merchant in Midtrans. Returns: responseCode, responseMessage, referenceNo, id, name, amount, currency, created_at, schedule, status, token, payment_type, metadata, customer_details, gopay. Required: merchantId.

midtrans_direct_debit_direct_debit_payment

Initiate a GoPay Tokenization direct debit payment in Midtrans. Returns: responseCode, responseMessage, referenceNo, partnerReferenceNo, paidTime, webRedirectUrl, appRedirectUrl, additionalInfo, originalReferenceNo, originalPartnerReferenceNo, captureNo, partnerCaptureNo, captureAmount, captureTime. Required: partnerReferenceNo, chargeToken, urlParams, payOptionDetails. The GoPay account must be…

midtrans_direct_debit_auth_payment

Reserve a customer's GoPay balance without deducting it by initiating a GoPay Tokenization Pre-Auth transaction in Midtrans. Returns: responseCode, responseMessage, referenceNo, partnerReferenceNo, paidTime, additionalInfo, originalReferenceNo, originalPartnerReferenceNo, captureNo, partnerCaptureNo, captureAmount, captureTime. Required: partnerReferenceNo, merchantId, title, and additionalInfo.

midtrans_direct_debit_capture_payment

Capture an authorized GoPay Tokenization transaction in Midtrans to deduct the user's previously reserved balance. Returns: responseCode, responseMessage, originalReferenceNo, originalPartnerReferenceNo, captureNo, partnerCaptureNo, captureAmount, captureTime. Required: originalPartnerReferenceNo, partnerCaptureNo, merchantId, title. Either originalReferenceNo or additionalInfo.originalExternalId…

midtrans_direct_debit_refund

Refund a settled Midtrans GoPay or GoPay Tokenization (non pre-auth) transaction over the BI-SNAP Direct Debit API, returning money to the customer. Supports partial refunds via refundAmount; omit it for a full refund. Returns: responseCode, responseMessage, originalReferenceNo, refundNo, partnerRefundNo, refundAmount, refundTime. Required: originalPartnerReferenceNo, partnerRefundNo, and either originalReferenceNo or originalExternalId.

midtrans_direct_debit_get_status

Get the transaction status of a GoPay Tokenization direct debit transaction in Midtrans. Returns: responseCode, responseMessage, partnerReferenceNo, referenceNo, additionalInfo containing payment status, transaction time, expiry time, and fraud status details.

midtrans_virtual_account_create_va

Create a Virtual Account in Midtrans using the SNAP-based BI-SNAP Core API. Returns the generated virtual account number, virtual account name, total amount, and expiry time. Required: partnerServiceId, customerNo, virtualAccountName, totalAmount, and partnerReferenceNo.

midtrans_virtual_account_get_va_status

Get the status of a Virtual Account transaction in Midtrans via the BI-SNAP Core API. Returns: masked_card, approval_code, bank, eci, channel_response_code, channel_response_message, transaction_time, gross_amount, currency, order_id, payment_type, signature_key, status_code, transaction_id, transaction_status, fraud_status, settlement_time, status_message, merchant_id, card_type,…

midtrans_qris_create_qr

Generate a QRIS MPM (Merchant Presented Mode) QR code in Midtrans. Returns the created QRIS transaction including transaction_id, order_id, transaction_status, gross_amount, currency, acquirer, and actions with QR code generation URLs. Required: payment_type, transaction_details.

midtrans_qris_get_qr_status

Get the status of a QRIS MPM (Merchant Presented Mode) transaction in Midtrans via the BI-SNAP protocol. Returns: transaction_status, transaction_id, order_id, gross_amount, status_code, status_message, payment_type, currency.

midtrans_qris_refund_qr

Refund a settled Midtrans QRIS MPM transaction over the BI-SNAP API, returning money to the customer. Supports partial refunds via refundAmount; omit it for a full refund. Returns: responseCode, responseMessage, referenceNo, originalPartnerReferenceNo, originalReferenceNo, partnerRefundNo, refundAmount, refundTime, additionalInfo. Required: merchantId, originalPartnerReferenceNo, partnerRefundNo.

midtrans_qris_cancel_qr

Cancel a pending QRIS MPM (Merchant Presented Mode) transaction in Midtrans via the BI-SNAP API. Returns: status_code, status_message, transaction_id, order_id, merchant_id, gross_amount, currency, payment_type, transaction_time, transaction_status, fraud_status, acquirer, actions, signature_key, transaction_type, settlement_time, issuer, shopeepay_reference_number, reference_id.

midtrans_qris_generate_qr_code

Generate a QR code image for a Midtrans QRIS transaction by transaction_id. Returns a PNG image of the QR code that customers can scan to pay from any QRIS-registered payment provider. Required: transaction_id. The QR code URL expires after 30 days.

midtrans_transaction_history_get_transaction_history

List Midtrans merchant transaction history with optional date-range, type, and status filters. Returns each transaction's dateTime, amount, status, type, remark, and additionalInfo (including referenceNo, partnerReferenceNo, channel, customerEmail, accountNo, and fee). Date range limited to the latest 6 months; max 50 per page.

midtrans_gopay_account_get_pay_account

Get a GoPay account's linked status and payment options in Midtrans. Returns: status_code, payment_type, account_id, account_status, metadata. Required: account_id. Only applicable for GoPay Tokenizations.

midtrans_gopay_account_unbind_pay_account

Unbind a linked GoPay customer account in Midtrans. Returns: status_code, payment_type, account_id, account_status, channel_response_code, channel_response_message. Required: account_id.

midtrans_gopay_account_get_gopay_account_info

Get GoPay account info for Snap tokenization in Midtrans. Returns: status_code, payment_type, account_id, account_status, metadata. Required: user_id.

midtrans_gopay_account_unlink_gopay_account

Unlink a GoPay account from Snap tokenization in Midtrans. Returns: status_code, payment_type, account_id, account_status, channel_response_code, channel_response_message. Required: user_id.

midtrans_gopay_account_create_pay_account

Link a customer's GoPay account for GoPay Tokenization in Midtrans. Returns: status_code, payment_type, account_id, account_status, actions, channel_response_code, channel_response_message, gopay_partner. Required: payment_type, gopay_partner.phone_number, gopay_partner.country_code.

midtrans_bin_get_bin

Get metadata for a specific BIN (Bank Identification Number) in Midtrans, such as card type, brand, issuing bank, and country. Returns: country_name, country_code, brand, bin_type, bin_class, bin, bank_code, bank. Required: bin_number. Rate-limited to 100 requests per minute; excess requests receive a 409 status code.

Why Truto

Why use Truto’s MCP server for Midtrans

Other MCP servers give you a static tool list for one app. Truto gives you a managed, multi-tenant MCP infrastructure across 800+ integrations.

Auto-generated, always up to date

Tools are dynamically generated from curated documentation — not hand-coded. As integrations evolve, tools stay current without manual maintenance.

Fine-grained access control

Scope each MCP server to read-only, write-only, specific methods, or tagged tool groups. Expose only what your AI agent needs — nothing more.

Multi-tenant by design

Each MCP server is scoped to a single connected account with its own credentials. The URL itself is the auth token — no shared secrets, no credential leaking across tenants.

Works with every MCP client

Standard JSON-RPC 2.0 protocol. Paste the URL into Claude, ChatGPT, Cursor, or any MCP-compatible agent framework — tools are discovered automatically.

Built-in auth, rate limits, and error handling

Tool calls execute through Truto’s proxy layer with automatic OAuth refresh, rate-limit handling, and normalized error responses. No raw API plumbing in your agent.

Expiring and auditable servers

Create time-limited MCP servers for contractors or automated workflows. Optional dual-auth requires both the URL and a Truto API token for high-security environments.

How It Works

From zero to integrated

Go live with Midtrans in under an hour. No boilerplate, no maintenance burden.

Link your customer’s Midtrans account

Use Truto’s frontend SDK to connect your customer’s Midtrans account. We handle all OAuth and API key flows — you don’t need to create the OAuth app.

We handle authentication

Don’t spend time refreshing access tokens or figuring out secure storage. We handle it and inject credentials into every API request.

Call our API, we call Midtrans

Truto’s Proxy API is a 1-to-1 mapping of the Midtrans API. You call us, we call Midtrans, and pass the response back in the same cycle.

Unified response format

Every response follows a single format across all integrations. We translate Midtrans’s pagination into unified cursor-based pagination. Data is always in the result attribute.

FAQs

Common questions about Midtrans on Truto

Authentication, rate limits, data freshness, and everything else you need to know before you integrate.

How does authentication work when my users connect Midtrans?

Midtrans uses Server Key and Client Key credentials issued from the merchant's Midtrans Account Portal (MAP). Truto handles collecting, storing, and injecting these keys on API calls, so your users just paste their keys once and your backend calls Truto without touching credentials directly.

Which Midtrans APIs are supported through Truto?

Truto exposes the Core API (transactions, card tokenization, VA, QRIS, direct debit, GoPay account linking, BIN lookup), the SNAP API (checkout token), Payment Links, Subscriptions, and transaction lifecycle actions like capture, approve, deny, cancel, expire, and refund.

Can I fetch historical transactions and reconcile payment status?

Yes. You can list all Midtrans transactions, fetch transaction history, and get status for specific payment types (B2B, VA, QRIS, direct debit) to build reconciliation and reporting features.

Does Truto handle webhooks from Midtrans?

Midtrans sends HTTP notifications on transaction state changes (settlement, expire, deny, refund, etc.). You should configure the notification URL in the MAP to point to your webhook receiver; Truto's tools cover the API surface for querying and mutating state, and can be paired with your webhook handler for full lifecycle coverage.

Can I support both Sandbox and Production environments per merchant?

Yes. Midtrans offers separate Sandbox and Production endpoints and key pairs. Truto lets you configure the environment per connected account so your merchants can test in Sandbox before flipping to live keys.

Are recurring billing and one-click payments supported?

Yes. You can use the subscription endpoints for scheduled recurring charges on cards or GoPay, and combine account linking with direct debit auth and capture endpoints to build one-click checkout experiences for repeat buyers.

From the Blog

Midtrans integration guides

Deep dives, architecture guides, and practical tutorials for building Midtrans integrations.

Midtrans

Get Midtrans integrated into your app

Our team understands what it takes to make a Midtrans integration successful. A short, crisp 30 minute call with folks who understand the problem.