Midtrans — Cardless Credit

Allow your customers to pay using paylater/installment services like Akulaku or Kredivo.

Supported Channels

• AKULAKU
• KREDIVO

How to Create

POST /v1/payments/create

{
  "amount": 25000000, 
  "currency": "IDR",
  "method_type": "cardless_credit",
  "method_detail": {
    "type": "cardless_credit",
    "channel": "AKULAKU"
  },
  "customer_name": "Budi Santoso",
  "customer_phone": "081234567890",
  "items": [
    {
      "id": "ITEM-1",
      "name": "Smartphone",
      "price": 25000000,
      "quantity": 1
    }
  ]
}

⚠️ Note for Kredivo/Akulaku: You must provide the items array details and complete customer data, as the paylater service requires this information for their credit risk assessment.

Response

{
  "success": true,
  "data": {
    "status": "pending",
    "method_data": {
      "type": "cardless_credit",
      "channel": "AKULAKU",
      "redirect_url": "https://app.midtrans.com/snap/v3/redirection/..."
    }
  }
}

Redirect the customer to redirect_url so they can log in to their Akulaku/Kredivo account and complete the installment setup.