Payment Providers · PGLink Docs

The abstraction

interface PaymentProvider {
  createPayment(applicationId, dto): Promise<PaymentResponse>;
  createPaymentLink(applicationId, dto): Promise<PaymentLinkResponse>;
  savePaymentMethod(applicationId, dto): Promise<SavePaymentMethodResponse>;
  handleCallback(payload): Promise<CallbackResult>;
  verifySignature(payload, signature): boolean;
  verifyCallbackToken(token): boolean;
}

PaymentsService selects the implementation from the provider field. Adding a provider means implementing this interface and registering it in payments.module.ts.

Comparison

Feature	Xendit	Midtrans	Mayar.id
Bank transfer	✅ 8+ banks	✅ 8+ banks	✅ BNI, BRI, Mandiri, CIMB, Permata, BJB, BSI
E-wallet	OVO, DANA, LinkAja, ShopeePay, GrabPay, PayMaya	GoPay, ShopeePay, DANA, QRIS	DANA, GoPay, LinkAja, ShopeePay, Jenius
Cards	✅	✅ advanced	Via checkout page
QRIS	✅	✅	✅
Retail outlets	—	Indomaret, Alfamart	Alfamart
Save payment method	✅	✅	❌
Subscriptions	✅	✅	Not via this API
Callback verification	`x-callback-token`	SHA256 signature	Optional token
Best for	Bank transfers & QRIS	Cards, wallets & OTC	Invoices & simple links

Xendit

Env: XENDIT_API_KEY, XENDIT_WEBHOOK_TOKEN.

Bank transfer: BCA, BRI, BNI, MANDIRI, PERMATA, CIMB, DANAMON, BSI
E-wallet: OVO, DANA, LINKAJA, SHOPEEPAY, GRABPAY, PAYMAYA
Card: CARD · QR: QRIS

Create a payment with xenditPaymentMethod. Callbacks verify the x-callback-token header.

Midtrans

Env: MIDTRANS_SERVER_KEY, MIDTRANS_CLIENT_KEY.

Bank transfer: bank_transfer + midtransBankCode (bca, bni, bri, mandiri, permata, cimb, danamon, bsi)
E-wallet: gopay, shopeepay, qris, dana
Card: credit_card · OTC: indomaret, alfamart · BNPL: akulaku, kredivo

Callbacks verify SHA256(order_id + status_code + gross_amount + server_key).

Mayar.id

Env: MAYAR_API_KEY, MAYAR_WEBHOOK_TOKEN, optional MAYAR_API_BASE.

Mayar is invoice-based: every payment returns a checkout link. Read the full Mayar.id guide.

Choosing a provider