Mutasiku SDK

Mutasiku JavaScript SDK for interacting with the Mutasiku API to manage financial accounts and track transactions for Indonesian payment providers like DANA, OVO, GOPAY MERCHANT and etc.

Installation

npm install mutasiku-sdk

Usage

Initialize the SDK

import MutasikuSDK from 'mutasiku-sdk';

const mutasiku = new MutasikuSDK({
  apiKey: process.env.MUTASIKU_API_KEY
});

Provider Management

Get Available Providers

// Get all providers
const providers = await mutasiku.getProviders();

// With filters
const filteredProviders = await mutasiku.getProviders({
  type: 'EWALLET',
  isActive: true,
  search: 'dana'
});

Account Management

Get All Accounts

// Get all accounts
const accounts = await mutasiku.getAccounts();

// With pagination and filters
const filteredAccounts = await mutasiku.getAccounts({
  limit: 10,
  page: 1,
  providerCode: 'OVO',
  isActive: true,
  search: 'my account'
});

Get Account by ID

const account = await mutasiku.getAccountById('account-id-here');

Update Account

const result = await mutasiku.updateAccount('account-id-here', {
  accountName: 'New Account Name',
  intervalMinutes: 10,
  isActive: true
});

Refresh Account

Trigger a manual refresh for an account to sync the latest transactions:

const result = await mutasiku.refreshAccount('account-id-here');

Remove an Account

const result = await mutasiku.removeAccount('account-id-here');

Adding New Accounts

Add OVO Account

const addOvoResult = await mutasiku.addAccount({
  action: "ovo-send-otp",
  phoneNumber: "+628123456789",
  providerCode: "OVO",
  accountName: "My OVO Account",
  intervalMinutes: 5,
  verificationMethod: "WhatsApp"
});

// If successful, verify with OTP
if (addOvoResult.status === 'success') {
  const verifyResult = await mutasiku.verifyAccount({
    action: "ovo-verify-otp",
    sessionId: addOvoResult.data.sessionId,
    otp: "123456", // OTP received via WhatsApp or SMS
    pin: "123456"  // OVO PIN
  });
}

Add DANA Account

const addDanaResult = await mutasiku.addAccount({
  action: "dana-send-otp",
  phoneNumber: "08123456789",
  pin: "123456", // DANA PIN
  providerCode: "DANA",
  accountName: "My DANA Account",
  intervalMinutes: 5,
  verificationMethod: "SMS"
});

// If successful, verify with OTP
if (addDanaResult.status === 'success') {
  const verifyResult = await mutasiku.verifyAccount({
    action: "dana-verify-otp",
    sessionId: addDanaResult.data.sessionId,
    otp: "123456" // OTP received via SMS
  });
}

Add GOPAY Merchant Account

const addGopayResult = await mutasiku.addAccount({
  action: "gopay-merchant-send-otp",
  phoneNumber: "08123456789",
  providerCode: "GOPAY-MERCHANT",
  accountName: "My GOPAY Merchant",
  intervalMinutes: 5,
  verificationMethod: "SMS"
});

// First OTP verification
if (addGopayResult.status === 'success') {
  const verifyResult = await mutasiku.verifyAccount({
    action: "gopay-merchant-verify-otp",
    sessionId: addGopayResult.data.sessionId,
    otp: "123456"
  });

  // If second OTP is required
  if (verifyResult.status === 'success' && verifyResult.data.requireSecondOtp) {
    const secondOtpResult = await mutasiku.verifySecondOtp({
      sessionId: verifyResult.data.sessionId,
      otp: "654321"
    });
  }
}

Relogin to Existing Account

When an account session expires, you can relogin:

const reloginResult = await mutasiku.addAccount({
  action: "dana-send-otp",
  accountId: "existing-account-id",
  verificationMethod: "SMS"
});

if (reloginResult.status === 'success') {
  const verifyResult = await mutasiku.verifyAccount({
    action: "dana-verify-otp",
    sessionId: reloginResult.data.sessionId,
    otp: "123456",
    accountId: "existing-account-id"
  });
}

Payment Methods

Create Payment

Create QRIS, Virtual Account, or Direct payments:

// QRIS Payment (Static)
const qrisPayment = await mutasiku.createPayment({
  type: 'QRIS',
  walletAccountId: 'your-wallet-account-id',
  amount: 50000,
  externalId: 'order-123',
  description: 'Order #123',
  customerName: 'John Doe',
  customerEmail: 'john@example.com',
  expiredAt: '2025-12-31T23:59:59Z',
  callbackUrl: 'https://yoursite.com/success'
});

// QRIS Payment (Dynamic)
const qrisDynamicPayment = await mutasiku.createPayment({
  type: 'QRIS-DYNAMIC',
  walletAccountId: 'your-wallet-account-id',
  amount: 75000,
  externalId: 'order-124'
});

// Virtual Account Payment (BCA)
const vaPayment = await mutasiku.createPayment({
  type: 'VA-BCA',
  walletAccountId: 'your-wallet-account-id',
  amount: 100000,
  externalId: 'order-456',
  customerName: 'Jane Doe'
});

// Virtual Account Payment (Mandiri)
const vaMandiriPayment = await mutasiku.createPayment({
  type: 'VA-MANDIRI',
  walletAccountId: 'your-wallet-account-id',
  amount: 100000,
  externalId: 'order-789'
});

// Virtual Account Payment (Permata)
const vaPermataPayment = await mutasiku.createPayment({
  type: 'VA-PERMATA',
  walletAccountId: 'your-wallet-account-id',
  amount: 100000,
  externalId: 'order-101'
});

// Direct Payment
const directPayment = await mutasiku.createPayment({
  type: 'DIRECT',
  walletAccountId: 'your-wallet-account-id',
  amount: 25000
});

Check Payment Status

const status = await mutasiku.getPaymentStatus('payment-id-here');
if (status.status === 'success') {
  console.log('Payment status:', status.data.status); // PENDING, PAID, EXPIRED, FAILED
  if (status.data.status === 'PAID') {
    console.log('Paid at:', status.data.paidAt);
  }
}

Get Transaction History (Mutasi)

// Get all transactions from the past 7 days
const recentTransactions = await mutasiku.getMutasi({
  days: 7
});

// With custom date range and filters
const customTransactions = await mutasiku.getMutasi({
  startDate: '2025-01-01',
  endDate: '2025-01-31',
  accountId: 'account-id-here',
  accountType: 'EWALLET',
  type: 'CREDIT', // or 'DEBIT'
  minAmount: 10000,
  maxAmount: 1000000,
  search: 'coffee',
  limit: 50,
  page: 1
});

DANA Transfer Features

Get Available Banks for DANA Transfer

const banks = await mutasiku.getDanaBanks('dana-account-id');
if (banks.status === 'success') {
  console.log('Available banks:', banks.data);
  // Returns list of supported banks with their details
}

DANA QRIS Payment

Upload a QR code image to make QRIS payments through DANA:

// For browser usage with file input
const fileInput = document.getElementById('qr-upload');
const file = fileInput.files[0];

const result = await mutasiku.transferDanaQris('dana-account-id', file, 25000);
if (result.status === 'success') {
  console.log('QRIS payment successful');
} else {
  console.error('QRIS payment failed:', result.message || result.error);
}

DANA Bank Transfer

Transfer money from DANA to bank accounts using a two-step process:

Step 1: Initialize Transfer (Check Account Name)

const initResult = await mutasiku.transferDanaBankInit('dana-account-id', {
  accountNumber: '1234567890',
  amount: 10000,
  instId: 'BCAC1ID',
  instLocalName: 'BCA',
  payMethod: 'WITHDRAW_BANKCARD',
  payOption: 'WITHDRAW_BANKCARD_BCA'
});

if (initResult.status === 'success') {
  console.log('Account verified:', initResult.data.accountName);
  console.log('Bank Account Index:', initResult.data.bankAccountIndexNo);
}

Step 2: Confirm Transfer

if (initResult.status === 'success') {
  const confirmResult = await mutasiku.transferDanaBankCreate('dana-account-id', {
    amount: 10000,
    bankAccountIndexNo: initResult.data.bankAccountIndexNo // From init response
  });

  if (confirmResult.status === 'success') {
    console.log('Transfer completed successfully!');
  } else {
    console.error('Transfer failed:', confirmResult.message || confirmResult.error);
  }
}

API Reference

Constructor Options

Option	Type	Required	Description
apiKey	string	Yes	Your Mutasiku API key
logger	object	No	Custom logger (defaults to console)

Available Methods

Provider Methods

• getProviders(options) - Get available banks and e-wallets

Account Management

• getAccounts(options) - Get all accounts with optional filters
• getAccountById(accountId) - Get a specific account by ID
• updateAccount(accountId, data) - Update account information
• refreshAccount(accountId) - Trigger manual refresh for an account
• removeAccount(accountId) - Remove an account
• addAccount(data) - Add a new account (OVO, DANA, GOPAY-MERCHANT, etc.)
• verifyAccount(data) - Verify account with OTP
• verifySecondOtp(data) - Verify GOPAY Merchant second OTP

Transaction History

• getMutasi(options) - Get transaction history with filters

Payment Methods

• createPayment(data) - Create QRIS, QRIS-DYNAMIC, Virtual Account, or Direct payment
• getPaymentStatus(paymentId) - Check payment status

DANA Transfer Methods

• getDanaBanks(accountId) - Get available banks for DANA transfer
• transferDanaQris(accountId, qrImage, amount) - Make QRIS payment using QR code image
• transferDanaBankInit(accountId, transferData) - Initialize bank transfer and verify account name
• transferDanaBankCreate(accountId, transferData) - Confirm and execute bank transfer

Supported Payment Types by Provider

Provider	QRIS	QRIS-DYNAMIC	VA-BCA	VA-MANDIRI	VA-PERMATA	DIRECT
DANA PERSONAL	-	-	Yes	Yes	Yes	Yes
DANA BISNIS	Yes	Yes	-	-	-	-
OVO	-	-	-	-	-	Yes
GOPAY-MERCHANT	Yes	Yes	-	-	-	-

DANA Transfer Parameters

transferDanaBankInit Parameters

Parameter	Type	Required	Description
accountId	string	Yes	DANA account ID
transferData.accountNumber	string	Yes	Destination bank account number
transferData.amount	number	Yes	Transfer amount (minimum Rp 10,000)
transferData.instId	string	Yes	Bank institution ID
transferData.instLocalName	string	Yes	Bank local name
transferData.payMethod	string	Yes	Payment method
transferData.payOption	string	Yes	Payment option

transferDanaBankCreate Parameters

Parameter	Type	Required	Description
accountId	string	Yes	DANA account ID
transferData.amount	number	Yes	Transfer amount
transferData.bankAccountIndexNo	string	Yes	Bank account index from init response

transferDanaQris Parameters

Parameter	Type	Required	Description
accountId	string	Yes	DANA account ID
qrImage	File/Blob	Yes	QR code image file
amount	number	Yes	Payment amount

Error Handling

All API methods return a response object with the following structure:

// Success response
{
  status: 'success',
  data: { /* response data */ },
  pagination: { /* pagination info if applicable */ }
}

// Error response
{
  status: 'error',
  message: 'Human readable message',
  error: { /* error details if any */ }
}

Note: Check response.status === 'success' to verify if the request was successful.

Common Use Cases

Complete DANA Bank Transfer Flow

async function performDanaTransfer() {
  // 1. Get available banks
  const banks = await mutasiku.getDanaBanks('your-dana-account-id');

  // 2. Initialize transfer to verify account
  const initResult = await mutasiku.transferDanaBankInit('your-dana-account-id', {
    accountNumber: '1234567890',
    amount: 10000,
    instId: 'BCAC1ID',
    instLocalName: 'BCA',
    payMethod: 'WITHDRAW_BANKCARD',
    payOption: 'WITHDRAW_BANKCARD_BCA'
  });

  if (initResult.status === 'success') {
    console.log(`Transferring to: ${initResult.data.accountName}`);

    // 3. Confirm transfer
    const result = await mutasiku.transferDanaBankCreate('your-dana-account-id', {
      amount: 10000,
      bankAccountIndexNo: initResult.data.bankAccountIndexNo
    });

    if (result.status === 'success') {
      console.log('Transfer successful!');
    }
  }
}

Payment Flow with Status Check

async function createAndCheckPayment() {
  // Create QRIS payment
  const payment = await mutasiku.createPayment({
    type: 'QRIS',
    walletAccountId: 'your-wallet-account-id',
    amount: 50000,
    externalId: 'order-123'
  });

  if (payment.status === 'success') {
    console.log('QR Code:', payment.data.qrCode);

    // Check status periodically
    const checkStatus = async () => {
      const status = await mutasiku.getPaymentStatus(payment.data.id);
      if (status.status === 'success' && status.data.status === 'PAID') {
        console.log('Payment received!');
        return true;
      }
      return false;
    };

    // Poll for status (in production, use webhooks instead)
    const interval = setInterval(async () => {
      if (await checkStatus()) {
        clearInterval(interval);
      }
    }, 5000);
  }
}

License

MIT License

---

MIT License

MIT License

Copyright (c) 2026 PT. Cobra Code Indonesia

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.