Payment Invoicing

persona: name: "Domain Expert" title: "Master of Payment Invoicing" expertise: ['Specialized Knowledge', 'Best Practices', 'Industry Standards'] philosophy: "Excellence through expertise." credentials: ['Industry leader', 'Practiced expert', 'Thought leader'] principles: ['Quality first', 'Continuous improvement', 'Evidence-based decisions', 'Customer focus']

Payment & Invoicing Skill

World-Class Expert Personas

This skill channels the expertise of:

Patrick Collison - Stripe Co-Founder & Payments Visionary

• Credentials: Built Stripe to $95B valuation; processes $640B annually; revolutionized online payments
• Expertise: Payment infrastructure, API design, developer experience, global payment methods, fraud prevention
• Philosophy: "Make it as easy as possible for developers to accept payments."
• Principles: Developer-first design, transparent pricing, instant activation, comprehensive documentation, global scalability

Jack Dorsey - Square Founder & Financial Inclusion Pioneer

• Credentials: Created Square ($40B company); democratized payment acceptance for small businesses
• Expertise: Point-of-sale systems, mobile payments, small business finance, payment hardware, cash flow management
• Philosophy: "Make commerce easy for everyone."
• Principles: Simplicity first, transparent fees, instant settlement, hardware + software integration, financial inclusion

Indonesian Fintech Experts - Local Payment Ecosystem

• Credentials: Built GoPay, OVO, DANA (100M+ users); understand Indonesian payment behavior and regulations
• Expertise: Virtual accounts, QRIS, e-wallets, bank transfers, regulatory compliance (BI, OJK)
• Philosophy: "Cash is still king in Indonesia, but digital is the future."
• Principles: Multiple payment methods, instant confirmation, local bank integration, mobile-first, regulatory compliance

Overview

Complete payment processing and invoicing solution for Indonesian businesses. Integrate with TriPay, LYNK.ID, and Midtrans to accept payments via Virtual Accounts, QRIS, E-Wallets, and more. Generate professional invoices, track payments, and automate revenue collection, applying world-class payment infrastructure principles.

Supported Payment Gateways:

• TriPay - Virtual Accounts, QRIS, E-Wallets, E-Banking
• LYNK.ID - Payment links, digital product sales
• Midtrans - Credit cards, QRIS, comprehensive payment methods

Anti-Rationalization Table

When to Use

Trigger phrases:

• "payment invoicing"

• "Process payments and generate invoices using Indonesian payment gateways (TriPay"

• Accept payments from customers

• Generate and send invoices

• Create payment links

• Track payment status

• Automate payment reminders

• Process subscriptions/recurring payments

• Handle refunds

• Generate payment reports

When NOT to Use

• International payments only (use Stripe/PayPal)
• Complex accounting (use dedicated accounting software)
• POS systems (use dedicated POS solutions)

Indonesian Payment Gateway Comparison

TriPay Integration

Payment gateway integration with TriPay for Indonesian merchants.

Overview

TriPay offers Direct and Redirect integration with various Indonesian payment methods.

Payment Methods:

• Virtual Accounts (BCA, BNI, Mandiri, BRI, etc.)
• QRIS (Indonesia's QR payment standard)
• Convenience Stores (Indomaret, Alfamart)
• E-Wallets (OVO, DANA, ShopeePay, LinkAja)
• E-Banking

Setup

Step 1: Get API Credentials

1. Register at https://tripay.co.id
2. Navigate to Settings → API
3. Get your:
   - Merchant Code
   - API Key
   - Private Key
4. Test in Sandbox first

Step 2: Generate Authorization Token

// TriPay uses HMAC-SHA256 for authentication
const crypto = require('crypto');

function generateTriPaySignature(merchantCode, apiKey, privateKey) {
  const data = merchantCode + apiKey;
  const signature = crypto
    .createHmac('sha256', privateKey)
    .update(data)
    .digest('hex');
  
  return signature;
}

Create Payment (Closed Payment)

Step 1: Request Transaction

const axios = require('axios');

async function createTriPayPayment(orderData) {
  const merchantCode = 'YOUR_MERCHANT_CODE';
  const apiKey = 'YOUR_API_KEY';
  const privateKey = 'YOUR_PRIVATE_KEY';
  
  const signature = generateTriPaySignature(merchantCode, apiKey, privateKey);
  
  const payload = {
    method: 'BRIVA',  // Payment channel (BRI Virtual Account)
    merchant_ref: `INV-${Date.now()}`,
    amount: orderData.amount,
    customer_name: orderData.customerName,
    customer_email: orderData.customerEmail,
    customer_phone: orderData.customerPhone,
    order_items: orderData.items,
    return_url: 'https://yoursite.com/payment/return',
    expired_time: Math.floor(Date.now() / 1000) + (24 * 60 * 60), // 24 hours
    signature: signature
  };
  
  const response = await axios.post(
    'https://tripay.co.id/api/transaction/create',
    payload,
    {
      headers: {
        'Authorization': `Bearer ${apiKey}`
      }
    }
  );
  
  return response.data;
}

// Usage
const payment = await createTriPayPayment({
  amount: 100000,  // IDR 100,000
  customerName: 'John Doe',
  customerEmail: 'john@example.com',
  customerPhone: '081234567890',
  items: [
    {
      name: 'AI Video Generation Service',
      price: 100000,
      quantity: 1
    }
  ]
});

console.log('Payment Code:', payment.data.pay_code);
console.log('Payment URL:', payment.data.checkout_url);

Check Payment Status

async function checkTriPayStatus(reference) {
  const response = await axios.get(
    `https://tripay.co.id/api/transaction/detail?reference=${reference}`,
    {
      headers: {
        'Authorization': `Bearer ${apiKey}`
      }
    }
  );
  
  return response.data.data.status;
  // Status: UNPAID, PAID, EXPIRED, FAILED
}

Handle Webhook (Payment Notification)

const express = require('express');
const app = express();

app.post('/webhook/tripay', express.json(), (req, res) => {
  const callbackSignature = req.headers['x-callback-signature'];
  const payload = req.body;
  
  // Verify signature
  const calculatedSignature = crypto
    .createHmac('sha256', privateKey)
    .update(JSON.stringify(payload))
    .digest('hex');
  
  if (callbackSignature !== calculatedSignature) {
    return res.status(400).send('Invalid signature');
  }
  
  // Process payment
  if (payload.status === 'PAID') {
    console.log('Payment received:', payload.reference);
    // Update order status, send confirmation email, etc.
  }
  
  res.status(200).send('OK');
});

LYNK.ID Integration

Digital payment integration with LYNK.ID.

Overview

LYNK.ID is a "link in bio" platform with payment link functionality. Best for simple payment collection and digital product sales.

Setup

Step 1: Create Account

1. Register at https://lynk.id
2. Complete profile
3. Connect bank account for withdrawals

Step 2: Create Payment Link

1. Navigate to "Produk" or "Link Pembayaran"
2. Click "Buat Produk Baru"
3. Fill in:
   - Product name
   - Price
   - Description
   - Image (optional)
4. Get payment link

Webhook Integration

Step 1: Get Webhook URL

1. Go to Settings → Webhook
2. Get your Merchant Key
3. Set webhook URL: https://yoursite.com/webhook/lynk

Step 2: Handle Webhook

app.post('/webhook/lynk', express.json(), (req, res) => {
  const { merchant_key, order_id, status, amount, customer_email } = req.body;
  
  // Verify merchant key
  if (merchant_key !== process.env.LYNK_MERCHANT_KEY) {
    return res.status(400).send('Invalid merchant key');
  }
  
  // Process payment
  if (status === 'paid') {
    console.log(`Payment received: ${amount} for order ${order_id}`);
    // Send product, update database, etc.
  }
  
  res.status(200).send('OK');
});

Automated Payment Link Creation

// Note: LYNK.ID doesn't have public API for link creation
// Use browser automation instead

async function createLynkPaymentLink(productData) {
  // 1. Navigate to https://lynk.id/dashboard
  // 2. Click "Buat Produk"
  // 3. Fill form:
  //    - Name: productData.name
  //    - Price: productData.price
  //    - Description: productData.description
  // 4. Click "Simpan"
  // 5. Copy generated link
  
  return {
    link: 'https://lynk.id/username/product-slug',
    productId: 'generated-id'
  };
}

Midtrans Integration

Midtrans payment gateway integration for cards, bank transfers, and e-wallets.

Overview

Midtrans is Indonesia's most comprehensive payment gateway with full API support.

APIs Available:

• Snap API - Built-in checkout page
• Core API - Custom payment interface
• Iris API - Disbursement/payout

Setup

Step 1: Get API Credentials

1. Register at https://midtrans.com
2. Navigate to Settings → Access Keys
3. Get your:
   - Server Key
   - Client Key
4. Use Sandbox for testing

Step 2: Install SDK

npm install midtrans-client

Create Payment (Snap API)

const midtransClient = require('midtrans-client');

// Initialize Snap API
const snap = new midtransClient.Snap({
  isProduction: false,  // Use true for production
  serverKey: 'YOUR_SERVER_KEY'
});

async function createMidtransPayment(orderData) {
  const parameter = {
    transaction_details: {
      order_id: `ORDER-${Date.now()}`,
      gross_amount: orderData.amount
    },
    credit_card: {
      secure: true
    },
    customer_details: {
      first_name: orderData.customerName,
      email: orderData.customerEmail,
      phone: orderData.customerPhone
    },
    item_details: orderData.items,
    callbacks: {
      finish: 'https://yoursite.com/payment/finish',
      error: 'https://yoursite.com/payment/error',
      pending: 'https://yoursite.com/payment/pending'
    }
  };
  
  const transaction = await snap.createTransaction(parameter);
  
  return {
    token: transaction.token,
    redirect_url: transaction.redirect_url
  };
}

// Usage
const payment = await createMidtransPayment({
  amount: 150000,  // IDR 150,000
  customerName: 'Jane Doe',
  customerEmail: 'jane@example.com',
  customerPhone: '081234567890',
  items: [
    {
      id: 'ITEM1',
      price: 150000,
      quantity: 1,
      name: 'Premium Video Package'
    }
  ]
});

console.log('Payment URL:', payment.redirect_url);

Check Payment Status

const core = new midtransClient.CoreApi({
  isProduction: false,
  serverKey: 'YOUR_SERVER_KEY'
});

async function checkMidtransStatus(orderId) {
  const status = await core.transaction.status(orderId);
  
  return {
    status: status.transaction_status,
    // Status: capture, settlement, pending, deny, cancel, expire
    paymentType: status.payment_type,
    amount: status.gross_amount
  };
}

Handle Webhook

app.post('/webhook/midtrans', express.json(), (req, res) => {
  const notification = req.body;
  const orderId = notification.order_id;
  const transactionStatus = notification.transaction_status;
  const fraudStatus = notification.fraud_status;
  
  // Verify signature
  const crypto = require('crypto');
  const serverKey = process.env.MIDTRANS_SERVER_KEY;
  const hash = crypto.createHash('sha512')
    .update(orderId + notification.status_code + notification.gross_amount + serverKey)
    .digest('hex');
  
  if (hash !== notification.signature_key) {
    return res.status(400).send('Invalid signature');
  }
  
  // Process based on status
  if (transactionStatus === 'capture' || transactionStatus === 'settlement') {
    if (fraudStatus === 'accept') {
      console.log('Payment successful:', orderId);
      // Fulfill order
    }
  } else if (transactionStatus === 'cancel' || transactionStatus === 'deny' || transactionStatus === 'expire') {
    console.log('Payment failed:', orderId);
    // Cancel order
  } else if (transactionStatus === 'pending') {
    console.log('Payment pending:', orderId);
    // Wait for payment
  }
  
  res.status(200).send('OK');
});

Invoice Generation

Automated invoice creation with tax calculations and payment terms.

Create Professional Invoice

const PDFDocument = require('pdfkit');
const fs = require('fs');

function generateInvoice(invoiceData) {
  const doc = new PDFDocument();
  const filename = `invoice-${invoiceData.invoiceNumber}.pdf`;
  
  doc.pipe(fs.createWriteStream(filename));
  
  // Header
  doc.fontSize(20).text('INVOICE', { align: 'center' });
  doc.moveDown();
  
  // Company info
  doc.fontSize(12).text('Your Company Name');
  doc.fontSize(10).text('Address Line 1');
  doc.text('Address Line 2');
  doc.text('Phone: +62 xxx xxxx xxxx');
  doc.text('Email: info@yourcompany.com');
  doc.moveDown();
  
  // Invoice details
  doc.text(`Invoice Number: ${invoiceData.invoiceNumber}`);
  doc.text(`Date: ${new Date().toLocaleDateString('id-ID')}`);
  doc.text(`Due Date: ${invoiceData.dueDate}`);
  doc.moveDown();
  
  // Bill to
  doc.text('Bill To:');
  doc.text(invoiceData.customerName);
  doc.text(invoiceData.customerEmail);
  doc.text(invoiceData.customerPhone);
  doc.moveDown();
  
  // Items table
  doc.text('Description                    Qty    Price         Total');
  doc.text('─'.repeat(60));
  
  let subtotal = 0;
  invoiceData.items.forEach(item => {
    const total = item.quantity * item.price;
    subtotal += total;
    doc.text(
      `${item.name.padEnd(30)} ${item.quantity.toString().padEnd(6)} ${item.price.toLocaleString('id-ID').padEnd(13)} ${total.toLocaleString('id-ID')}`
    );
  });
  
  doc.text('─'.repeat(60));
  doc.moveDown();
  
  // Totals
  const tax = subtotal * 0.11; // 11% PPN (Indonesian VAT)
  const total = subtotal + tax;
  
  doc.text(`Subtotal: Rp ${subtotal.toLocaleString('id-ID')}`, { align: 'right' });
  doc.text(`PPN (11%): Rp ${tax.toLocaleString('id-ID')}`, { align: 'right' });
  doc.fontSize(14).text(`Total: Rp ${total.toLocaleString('id-ID')}`, { align: 'right' });
  
  doc.moveDown();
  
  // Payment instructions
  doc.fontSize(10).text('Payment Instructions:');
  doc.text(`Please pay via: ${invoiceData.paymentMethod}`);
  doc.text(`Payment Link: ${invoiceData.paymentLink}`);
  
  doc.end();
  
  return filename;
}

// Usage
const invoice = generateInvoice({
  invoiceNumber: 'INV-2026-001',
  dueDate: '2026-02-24',
  customerName: 'John Doe',
  customerEmail: 'john@example.com',
  customerPhone: '081234567890',
  items: [
    { name: 'AI Video Generation', quantity: 1, price: 100000 },
    { name: 'Social Media Upload', quantity: 1, price: 50000 }
  ],
  paymentMethod: 'TriPay Virtual Account',
  paymentLink: 'https://tripay.co.id/checkout/xxx'
});

Complete Payment Workflow

End-to-end payment flow from invoice creation to reconciliation.

End-to-End Example

async function processCustomerOrder(orderData) {
  // 1. Generate invoice
  const invoiceNumber = `INV-${Date.now()}`;
  const invoiceFile = generateInvoice({
    ...orderData,
    invoiceNumber
  });
  
  // 2. Create payment (choose gateway)
  let payment;
  if (orderData.preferredGateway === 'tripay') {
    payment = await createTriPayPayment(orderData);
  } else if (orderData.preferredGateway === 'midtrans') {
    payment = await createMidtransPayment(orderData);
  }
  
  // 3. Send invoice email
  await sendInvoiceEmail({
    to: orderData.customerEmail,
    subject: `Invoice ${invoiceNumber}`,
    body: `
      Dear ${orderData.customerName},
      
      Thank you for your order!
      
      Please find your invoice attached.
      
      Payment Link: ${payment.redirect_url || payment.data.checkout_url}
      
      Amount: Rp ${orderData.amount.toLocaleString('id-ID')}
      
      Best regards,
      Your Company
    `,
    attachments: [invoiceFile]
  });
  
  // 4. Track payment status
  const paymentId = payment.data?.reference || payment.token;
  
  return {
    invoiceNumber,
    paymentId,
    paymentUrl: payment.redirect_url || payment.data.checkout_url,
    status: 'pending'
  };
}

Best Practices

Key aspects of payment-invoicing relevant to this section.

1. Security

• Never expose private keys in frontend
• Verify webhook signatures
• Use HTTPS for all endpoints
• Store credentials in environment variables

2. User Experience

• Clear payment instructions
• Multiple payment options
• Mobile-friendly payment pages
• Instant payment confirmation

3. Automation

• Auto-send invoices
• Payment reminders (24h before due)
• Receipt generation on payment
• Failed payment notifications

4. Tracking

• Log all transactions
• Monitor payment success rate
• Track payment method preferences
• Generate revenue reports

Common Rationalizations

Red Flags

• Operational changes are made without stakeholder communication
• Agent does not track compliance with established processes
• Watch for shortcuts and skipped steps

Verification

After completing this skill, confirm:

• Changes are communicated to stakeholders before implementation
• Compliance with established processes is tracked and reported
• All required outputs generated
• Success criteria met

Related Skills

• marketing/email-marketing - Send invoices and reminders
• sales/crm-automation - Track customer payments
• marketing/analytics-dashboard - Revenue analytics
• automation/workflow-builder - Automate payment workflows

Last Updated: 2026-02-17
Payment Gateways: TriPay, LYNK.ID, Midtrans
Region: Indonesia
Key Feature: Multi-gateway support with automated invoicing

Process

1. Analyze the task requirements
2. Apply domain expertise
3. Verify output quality