create payment link

method 2

this method will create a payment link by a public divit endpoint. the difference between method 1 and this method is your server don't need to make a call. you can just create a payment link and put it on your front-end. the corresponding order will be created when your customer clicks on the link. the limitation is you need to predefine the webhook and success payment url in our system, and you can't provide any customer information.

endpoint: GET {{API_BASE_URL}}/directpay/c/{{merchantID}}/{{branchID}}/fps/act

here is the workflow diagram showing the whole payment process.

steps:

• merchant server create signed URL and render it on the merchant website (step 1)
• customer clicks on the link (step 2)
• divit server creates payment record and redirect user to the payment screen (step 3 - 4)
• customer makes a payment, bank transfer money to divit account (step 5 - 6)
• bank send real-time credit notification to divit server (step 7)
• divit sends webhook call to merchant server, and push notification to divit payment screen (step 8 - 9)
• divit payment screen redirect user back to merchant website (step 10)

configuration

you need to predefine the webhook endpoint and redirect URLs at the branch details page of the admin-portal.

link type	explanation
paymentWebhookEndpoint	your server endpoint to receive our webhook events. details here
paymentSuccessScreen	when payment is complete, we will redirect customer to this URL
paymentFailureScreen	when payment is cancelled, we will redirect customer to this URL

constructing payment link

to construct the payment link, you will need to get 3 pieces of information from divit admin-portal:

• merchantID: your merchant account ID
• branchID: each merchant can have multiple branches, if you are freshly signed up, a default branch has already been created for you.
• signature key: find the value at the corresponding branch details page at the admin-portal

constructs the payment link by providing the following parameters:

• amount: payment amount
• currency: currency
• expiredAt: the unix time that the payment will be expired, e.g. 86400 for 1 day of expiry
• merchantRef: unique reference of your order

signs the concatenated string of parameters and a timestamp with the following logic:

sample code

  // the signature-key should be kept in server-side, 
  // the following logic should not be run on the front-end, this is just for demo purpose.
  //
  const signatureKey = `${SIGNATURE KEY}`;
  const merchantID = `${YOUR_MERCHANT_ID}`;
  const branchID = `${YOUR_BRANCH_ID}`;
  const timestamp = 1736845297;
  const stringTobeSigned = `/directpay/c/${merchantID}/${branchID}/fps/act?amount=1200&currency=HKD&expiredAt=1736848897&merchantRef=BspR8bFE`;
  let hmac = CryptoJS.algo.HMAC.create(CryptoJS.algo.SHA256, signatureKey);
  hmac.update(`${timestamp}:${stringTobeSigned}`);
  const signature = hmac.finalize().toString(CryptoJS.enc.Base64);

  const host = "{{API_BASE_URL}}";
  const actionLink = `${host}${stringTobeSigned}&signature=${encodeURIComponent(signature)}&timestamp=${timestamp}`;

caution

the sorting of the parameters will affect the signature output. please make sure they are arranged correctly when you calculating the signature

sample payment link

sample payment link

<a href="https://sandbox-api.divit.dev/directpay/c/4303c954-afbf-463c-ae37-bdcff2ac106a/69a14250-5459-4980-b47b-2096e19c5087/fps/act?amount=1200&currency=HKD&expiredAt=1736848897&merchantRef=BspR8bFE&signature=NrrFakSrjZGF6Bg7rhNfyqfCkLjfTOvt%2Bcvf0Rbq5gM%3D&timestamp=1736845297">pay now</a>

payment screen

clicking the payment link will call our server endpoint to create a payment request record instantly, it will then redirect your customer to our payment screen

open the bank app directly

divit facilitates web-to-app (app-to-app) payments, allowing you to open a banking app with all payment information pre-filled with just one click from the payment screen.

info

using this method 2 request, you can redirect users to their bank's app instead of displaying our payment screen. please contact our support team for more details.

error response

since the payment link access our public api-endpoint, the error message will be returned as a plain text json message, e.g.

sample error

{"code":1013,"message":"failed to load merchant data","errorData":"sql: no rows in result set"}