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Cashlez Link Specification



Cashlez always committed to providing the most secure, reliable and user-friendly payment processing solutions. By partnering with us for your payment processing needs, you can be confident that payment transactions will be processed quickly and efficiently, and your customers' information will be safe.

Cashlez Link one of our solutions to provide your customer the simplicity of doing their transaction wherever they are using not only card payment but other payment methods as well such as virtual account and ewallet.

This document is for a partner who wishes to integrate their payment using Cashlez especially for a partner who wishes their customer side apps or website to take payment from customers.


    Card Payment

    This feature enables customer to pay online using their debit / credit card. Customer just need to input their debit / credit card to the form and Cashlez will process it using 3DSecure. Currently only payment using VISA and MASTERCARD that is 3DSecure enabled is able to be processed.

    eWallet Payment

    This feature enables customers to pay using eWallet payment. This feature can be divided into 3 payment methods, OVO, ShopeePay and QRIS.

    • OVO
      For OVO, Cashlez is using the push to pay payment method therefore customers will need to enter their OVO phone number to receive notification from OVO application.
    • ShopeePay
      For ShopeePay payment, Shopee is using a jump app method to switch between Cashlez Link to Shopee Apps to make the payment. After payment is completed, Shopee Apps will redirect it back to Cashlez Link to confirm the payment has been completed.

    • QRIS
      For QRIS payment as it is a QR standard that is used in Indonesia, almost all ewallet services will be able to read the QR and make payment using the available QR code.

    Virtual Account

    Virtual Account that Cashlez use is Virtual Account issued by Permata Bank and Bank BCA. This virtual account is a closed amount type that make sure customer will only be able to pay the correct amount that is binded to the order. Virtual Account issued by Permata Bank can be paid from multiple bank account while BCA virtual account can be paid only from BCA.


The following are some of the terms that are used in this document and their respective definitions.

APIApplication program interface; A set of routines, protocols, and tools for building software applications.
Acquiring BankA bank or other financial institution that maintains the bank account for the merchant. Also referred to as a “Merchant Bank”.
Issuing BankA bank or other financial institution that issued customer card or any means of transaction.
AuthorizationWhen a purchase is made by a customer, the merchant requests an authorization from the customer’s card issuing bank. The actual authorization is provided by the customer’s card-issuing bank to confirm that the credit card account is in good standing and has sufficient funds to complete the purchase.
Card Not Present (CNP)A payment card transaction where the cardholder/card are not physically present for example, in an online or mail/telephone order sale
Card PresentA payment card transaction where the cardholder and payment card are both present. Sometimes referred to as a face-to-face transaction.
Core-ServiceCore Service of CzLink.
CzLink ServiceService of CzLink.
Mask PANDebit or Credit Card Number which are masked.
MerchantBusiness and or companies that are registered to Cashlez readers.
ReaderTransaction device which is able to read, communicate and process transaction data from chip card.
TransactionAn activity between merchant with customers of exchanging products and or service with money (cash and non-cash) and recorded with supporting proof
MIGSMasterCard Payment Gateway Service