Laravel BCA OpenAPI VA Client

Production-ready Laravel 11 / PHP 8.3 package for BCA OpenAPI Virtual Account (bill presentment + payment flag + optional payment status). Namespace: ESolution\BCAPayment.

Installation

composer require elgibor-solution/laravel-payment-bca
php artisan vendor:publish --provider="ESolution\\BCAPayment\\BcaServiceProvider" --tag=bca-config

Configuration

Config lives at config/bca.php (aliased to config/bca-openapi.php). Keys:

• base_url (prod) / base_url_staging (sandbox) — defaults: https://api.klikbca.com / https://devapi.klikbca.com
• client_id, client_secret, private_key (PEM)
• channel_id, partner_id, optional origin
• timeout, connect_timeout, retry_times, retry_sleep_ms
• token_cache_ttl_seconds (default 900), retry_on_codes (default 5002600 for payment status retry)
• debug toggles staging base URL

Environment example:

BCA_BASE_URL=https://api.klikbca.com
BCA_BASE_URL_STAGING=https://devapi.klikbca.com
BCA_CLIENT_ID=your_client_id
BCA_CLIENT_SECRET=your_symmetric_secret
BCA_PRIVATE_KEY="-----BEGIN PRIVATE KEY-----..."
BCA_CHANNEL_ID=95231
BCA_PARTNER_ID=12345
BCA_ORIGIN=https://merchant.example
BCA_DEBUG=false

Runtime config

• Override defaults globally: Bca::config([...]) or Bca::setDefaultConfig([...]).
• Per-call overrides: Bca::withConfig([...]) or Bca::withBaseUrl($url) returning a client instance.
• Debug staging per call: Bca::withConfig(['debug' => true]).

Usage

use ESolution\BCAPayment\Facades\Bca;

// Access token (cached per client_id + base URL)
$token = Bca::token();

// Inquiry (Bill Presentment)
$inquiry = Bca::withConfig(['debug' => true])->inquiry([
    'partnerServiceId' => '123',
    'customerNo' => '987654',
    'virtualAccountNo' => '123987654',
    'trxDateInit' => now()->toIso8601String(),
    'channelCode' => '6011',
    'amount' => ['value' => '10000', 'currency' => 'IDR'],
    'inquiryRequestId' => 'REQ-1',
]);

// Payment Flag
$payment = Bca::payment([
    'partnerServiceId' => '123',
    'customerNo' => '987654',
    'virtualAccountNo' => '123987654',
    'virtualAccountName' => 'John Doe',
    'paymentRequestId' => 'PAY-1', // should match inquiryRequestId when retrying
    'channelCode' => '6011',
    'paidAmount' => ['value' => '10000', 'currency' => 'IDR'],
    'totalAmount' => ['value' => '10000', 'currency' => 'IDR'],
    'trxDateTime' => now()->toIso8601String(),
    'flagAdvise' => 'N', // N=new, Y=retry
]);

// Payment Status (optional)
$status = Bca::paymentStatus([
    'partnerServiceId' => '123',
    'customerNo' => '987654',
    'virtualAccountNo' => '123987654',
    'inquiryRequestId' => 'REQ-1',
    'paymentRequestId' => 'PAY-1',
]);

All transaction calls accept an optional second argument to override headers (e.g. provide your own X-EXTERNAL-ID). The package auto-generates a numeric X-EXTERNAL-ID (<=36 chars), and always sends CHANNEL-ID, X-PARTNER-ID, and optional ORIGIN.

Endpoints (fixed)

• Token: POST /openapi/v1.0/access-token/b2b
• Inquiry: POST /openapi/v1.0/transfer-va/inquiry
• Payment: POST /openapi/v1.0/transfer-va/payment
• Payment Status: POST /openapi/v1.0/transfer-va/status

Signatures (overview)

• Token (asymmetric RSA SHA256): String to sign = client_id|X-TIMESTAMP. Headers: X-TIMESTAMP, X-CLIENT-KEY, X-SIGNATURE.
• Transactions (HMAC SHA-512):
  • String to sign = HTTPMethod:RelativeUrl:AccessToken:lowercase(sha256(minified_body)):Timestamp
  • RelativeUrl starts with / and includes sorted query params.
  • Body is JSON-minified; empty body => empty string hashed.
  • Header set includes Authorization: Bearer {token}, X-TIMESTAMP, X-SIGNATURE, X-EXTERNAL-ID, CHANNEL-ID, X-PARTNER-ID, optional ORIGIN.

Notes

• Bill Presentment (Inquiry) and Payment Flag must be used together; Payment Status is optional and marks code 5002600 as retryable by default.
• Tokens are cached using client_id + base URL hash with a safety buffer to avoid near-expiry calls.
• HTTP client uses Laravel Http with configurable timeouts and retries; secrets are never logged.

Testing

Run the feature tests with Orchestra Testbench:

composer test