Dhani API Integration & Open Finance Solutions

Open Data and compliant authorization-driven Dhani protocol analysis, payments, and loan interface integration with runnable API source delivery

Starting at $300
OpenData · OpenFinance · Protocol Analysis · UPI

Securely and quickly integrate Dhani's payments, UPI, bills, and loan capabilities into your enterprise

We provide enterprise-ready API implementations, documentation, and compliance guidance covering UPI payments, bill payments, personal loan workflows, statement exports, and cashback synchronization, with compliant access to data.

Seamless UPI & QR payments — supports scan-to-pay, VPA transfers, real-time status callbacks, and retry strategies.
Bills & top-ups — supports bills for mobile, DTH, utilities, batch payouts, receipt synchronization and reconciliation.
Loan application & risk workflow — digital loan applications, identity and credit checks, interest calculation and installment planning (contracts exportable).
Rewards & cashback sync — intercept transaction events and trigger Dhani Coins / cashback distribution with asynchronous compensation.
Get a Quote View Deliverables

Deliverables & Samples

Standard Deliverables

  • API design documents (OpenAPI / Swagger)
  • Protocol analysis report (authorization flow, sessions, callbacks, and signature verification)
  • Runnable backend source code (examples in Node.js / Python)
  • Automated tests and CI/CD integration guidance
  • Compliance guidance (data retention, logging, privacy); NDA if needed

Example: Virtual Account creation (pseudo-code)

# POST /api/v1/dhani/virtual-accounts
# Headers: Content-Type: application/json
#         Authorization: Bearer <CLIENT_JWT>

{
  'merchant_id': 'M12345',
  'customer_name': 'Alex Doe',
  'amount_expected': 150000.00,
  'expires_at': '2025-11-30T23:59:59Z',
  'metadata': { 'order_id': 'ORD-98765' }
}

Response 201 Created
{
  'va_number': '8881234567890',
  'bank_code': 'DHN',
  'expires_at': '2025-11-30T23:59:59Z',
  'callback_url': 'https://your.app/webhooks/dhani/va'
}

// Webhook: when VA receives payment, the platform posts to callback_url with transaction_id and amount

Loan (Dhani Pinjam) Example

Provide loan application, credit checks, disbursement notification and repayment planning APIs. Example:
  • Loan amount up to Rp30,000,000
  • Interest example: 2% / month (pricing per contract and risk)
  • Support 3/6/12 installment plans, auto-debit and callbacks

API Integration Guidelines (Quick Start)

  1. Preparation: provide target scenarios (UPI, VA reconciliation, loan funding) and confirm sandbox credentials
  2. Authorization: commonly OAuth2, client certificates or JWT; sensitive callbacks validated with HMAC
  3. Callbacks & Reconciliation: all payment endpoints implement webhooks with replay protection (retry and idempotency)
  4. Compliance: KYC and transaction limits; coordinate with regulators as needed
  5. Testing: deliver Postman collections, automated tests and sample SDKs (Node/Python)
  6. Deployment: support deployment to your existing API gateway or containerized delivery with security reviews

Information Needed to Connect

  • Target business scenario and prioritized interfaces (e.g., VA, QRIS, BI-FAST)
  • Sandbox/production credentials and callback URLs
  • Data retention policy and privacy constraints (KYC/limits/monitoring)
  • Preferred delivery format (JSON / Excel / PDF) and frequency
  • Whether to connect merchant channels (e.g., Indomaret) and cash settlement flows

About Our Studio

We are a tech studio focused on app protocol analysis and third-party API integration. Our team comes from fintech, banking and cloud security backgrounds, delivering compliant, reproducible API code and documentation.

  • End-to-end delivery: protocol analysis → API design → runnable code → tests → deployment support
  • OpenAPI docs and sample SDKs in multiple languages
  • Compliance-oriented: KYC, privacy, data minimization and audit trails
  • Global reach: familiar with regional regulations and cross-border data flows

Contact

Ready to start? Visit our contact page to submit the target app name and requirements. We typically respond within 24 hours with an initial assessment and proposal.

View Contact / Submit Requirements

📱 Dhani Original App — Features Overview (Collapsed)

The following content provides a broad overview of Dhani app capabilities for technical reference and integration range:

  • UPI payments: via UPI ID / QR transfers and receipts in real-time
  • Bills & top-ups: one-stop payments for mobile, utility bills, DTH, and more with cashback incentives
  • Personal loans: online application, fast approval, installments with configurable terms
  • RuPay prepaid card: for offline/online payments
  • Rewards and cashback (Dhani Coins): earn and redeem rewards
  • Security & compliance: RBI/regulatory alignment where applicable, with loans provided by partner lenders
  • Customer support: in-app support and channels

Note: This is a public feature summary for technical integration reference. Actual terms and offerings vary by region and partner requirements.