Initial commit: API Wipay dengan fix CORS untuk GET request
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mwpn
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QRIS_IMPLEMENTATION.md
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QRIS_IMPLEMENTATION.md
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# Implementasi QRIS Payment
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## Overview
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QRIS (Quick Response Code Indonesian Standard) telah ditambahkan sebagai metode pembayaran dengan ketentuan:
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- **Hanya untuk transaksi di bawah Rp 70.000**
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- **Tidak menggunakan kode unik** (beda dengan BRI/Manual)
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- **Auto approve** setelah payment verified
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## Flow Pembayaran QRIS
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```
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1. User Request Payment (payment_method = 'qris')
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→ Validasi: total < 70.000
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→ Generate QRIS QR Code via API
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→ Store: qris_qr_code, qris_invoiceid, qris_nmid
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→ Status: DIBUAT
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2. User Scan & Pay
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→ User scan QR code dengan e-wallet
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→ Payment processed by QRIS provider
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3. User Check Status (POST /timo/cek_status_qris)
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→ Call QRIS API checkStatus
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→ Jika paid → Auto approve ke PDAM
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→ Kirim WhatsApp notifikasi ke user
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→ Status: DIBAYAR
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```
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## Endpoint Baru
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### POST /timo/cek_status_qris
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**Request:**
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```json
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{
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"token": "user_token",
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"no_sl": "059912"
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}
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```
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**Response (Pending):**
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```json
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{
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"status": 200,
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"pesan": "Menunggu pembayaran",
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"data": {
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"status": "pending",
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"check_count": 1,
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"message": "Silahkan scan QR code dan lakukan pembayaran"
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}
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}
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```
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**Response (Paid):**
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```json
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{
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"status": 200,
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"pesan": "Pembayaran berhasil",
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"data": {
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"status": "paid",
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"message": "Pembayaran QRIS berhasil diverifikasi"
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}
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}
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```
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## Update request_pembayaran
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Endpoint `/timo/request_pembayaran` sekarang support parameter `payment_method`:
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**Request:**
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```json
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{
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"token": "user_token",
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"no_sl": "059912",
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"nama_bank": "QRIS", // atau "Bank BRI" untuk transfer
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"no_rek": "",
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"payment_method": "qris" // atau "transfer" (default)
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}
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```
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**Response (QRIS):**
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```json
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{
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"status": 200,
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"pesan": "",
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"data": {
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"no_trx": "#TIMO...",
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"jumlah_tagihan": "50000",
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"biaya_admin": "5000",
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"jumlah_unik": "0", // QRIS tidak pakai kode unik
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"qris_qr_code": "000201010212...", // QR code content
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"qris_invoiceid": "123456",
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"qris_nmid": "ID1025466699168",
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"qris_expired_at": "2025-01-15 14:30:00" // 15 menit dari sekarang
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}
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}
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```
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## Database Schema
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Field QRIS di tabel `pembayaran`:
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- `qris_qr_code` TEXT - QR code content dari API
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- `qris_invoiceid` VARCHAR(100) - Invoice ID untuk check status
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- `qris_nmid` VARCHAR(100) - NMID dari API
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- `qris_expired_at` DATETIME - QRIS expiration (15 menit)
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- `qris_check_count` INT - Jumlah check status
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- `qris_last_check_at` DATETIME - Last check timestamp
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**Note:** Field ini perlu ditambahkan ke database jika belum ada.
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## Configuration (.env)
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```ini
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# QRIS Configuration
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QRIS_API_KEY=139139250221910
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QRIS_MID=126670220
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QRIS_NMID=ID1025466699168
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QRIS_BASE_URL=https://qris.interactive.co.id/restapi/qris/
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```
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## Business Rules
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1. **Validasi Transaksi:**
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- QRIS hanya untuk transaksi ≤ Rp 70.000
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- Jika > 70.000, return error: "QRIS hanya tersedia untuk transaksi di bawah Rp 70.000"
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2. **Kode Unik:**
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- QRIS: **TIDAK pakai kode unik** (jumlah_unik = 0)
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- BRI/Manual: **Pakai kode unik** (10-999)
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3. **Expiration:**
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- QRIS: 15 menit dari generate QR code
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- BRI/Manual: 1 hari dari request
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4. **Verification:**
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- QRIS: Auto verify via API checkStatus
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- BRI: Manual verify atau auto via BRI API
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- Manual: Manual verify oleh admin
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5. **Notification:**
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- QRIS: WhatsApp setelah payment verified
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- BRI: Telegram ke admin saat "saya sudah transfer"
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- Manual: Telegram ke admin saat upload bukti
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## Perbandingan Payment Methods
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| Method | Kode Unik | Max Amount | Verification | Notification |
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|--------|-----------|------------|-------------|--------------|
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| QRIS | ❌ No | ≤ 70.000 | Auto (API) | WhatsApp (user) |
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| BRI | ✅ Yes | Unlimited | Manual/Auto (BRI API) | Telegram (admin) |
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| Manual | ✅ Yes | Unlimited | Manual (admin) | Telegram (admin) |
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## Testing
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1. **Test Request QRIS (< 70rb):**
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```bash
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POST /timo/request_pembayaran
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{
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"token": "user_token",
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"no_sl": "059912",
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"payment_method": "qris"
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}
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```
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2. **Test Request QRIS (> 70rb):**
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```bash
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# Should return error
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```
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3. **Test Check Status:**
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```bash
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POST /timo/cek_status_qris
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{
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"token": "user_token",
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"no_sl": "059912"
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}
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```
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## SQL Migration (Jika diperlukan)
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```sql
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ALTER TABLE pembayaran
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ADD COLUMN qris_qr_code TEXT NULL,
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ADD COLUMN qris_invoiceid VARCHAR(100) NULL,
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ADD COLUMN qris_nmid VARCHAR(100) NULL,
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ADD COLUMN qris_expired_at DATETIME NULL,
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ADD COLUMN qris_check_count INT DEFAULT 0,
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ADD COLUMN qris_last_check_at DATETIME NULL;
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```
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