Get financial account details

GET

URLhttps://open-api.tingee.vn/v1/direct-link/financial-utility/account-balance-detail

Account balance details

Header Request

Header	Required	Description
Content-Type	✓	application/json
x-client-id	✓	Partner identifier issued by TINGEE.
x-signature	✓	HMAC SHA512 authentication signature.
x-request-timestamp	✓	Time the request is sent (format: yyyyMMddHHmmssSSS, UTC+7)

Query Parameters

Field	Type	Required	Description
bankBin	string	✓	Bank BIN. Currently only 970418 (BIDV) is supported.
role	string	~	User role: Maker or Checker (uses the BIDV authorization session of that role). Required for BIDV.
accountNumber	string	✓	BIDV payment account number to query (owned by the authorizing business).

Code samples

cURL

curl --location --request GET 'https://open-api.tingee.vn/v1/direct-link/financial-utility/account-balance-detail?bankBin=970418&role=Maker&accountNumber=1234567890' \
--header 'accept: application/json' \
--header 'x-client-id: YOUR_CLIENT_ID' \
--header 'x-request-timestamp: 20240509154004003' \
--header 'x-signature: YOUR_SIGNATURE'

NestJS

import axios from "axios";
import { createHmac } from "crypto";

const CLIENT_ID = "YOUR_CLIENT_ID";
const SECRET_KEY = "YOUR_SECRET_KEY";

// Timestamp in UTC+7, format yyyyMMddHHmmssSSS
function getTimestamp() {
    return new Date(Date.now() + 7 * 60 * 60 * 1000)
        .toISOString()
        .replace(/[-:TZ.]/g, "")
        .slice(0, 17);
}

async function directLinkFinancialUtilityAccountBalanceDetail() {
    const body = {}; // Request has no body: sign the string "{}"

    const params = {
        bankBin: "970418",
        role: "Maker",
        accountNumber: "1234567890",
    };

    const bodyJson = JSON.stringify(body);
    const timestamp = getTimestamp();
    const signature = createHmac("sha512", SECRET_KEY)
        .update(`${timestamp}:${bodyJson}`)
        .digest("hex");

    const res = await axios.request({
        method: "GET",
        url: "https://open-api.tingee.vn/v1/direct-link/financial-utility/account-balance-detail",
        params,
        headers: {
            accept: "application/json",
            "Content-Type": "application/json",
            "x-client-id": CLIENT_ID,
            "x-request-timestamp": timestamp,
            "x-signature": signature,
        },
    });

    console.log(res.data);
}

directLinkFinancialUtilityAccountBalanceDetail();

C#

using System;
using System.Net.Http;
using System.Security.Cryptography;
using System.Text;
using System.Threading.Tasks;

public class Program
{
    private const string ClientId = "YOUR_CLIENT_ID";
    private const string SecretKey = "YOUR_SECRET_KEY";
    private static readonly HttpClient Client = new HttpClient();

    public static async Task Main()
    {
        var bodyJson = "{}"; // Request has no body: sign the string "{}"

        // Timestamp in UTC+7, format yyyyMMddHHmmssSSS
        var timestamp = DateTime.UtcNow.AddHours(7).ToString("yyyyMMddHHmmssfff");
        var signature = HmacSha512(SecretKey, $"{timestamp}:{bodyJson}");

        var request = new HttpRequestMessage(HttpMethod.Get, "https://open-api.tingee.vn/v1/direct-link/financial-utility/account-balance-detail?bankBin=970418&role=Maker&accountNumber=1234567890");
        request.Headers.Add("accept", "application/json");
        request.Headers.Add("x-client-id", ClientId);
        request.Headers.Add("x-request-timestamp", timestamp);
        request.Headers.Add("x-signature", signature);

        var response = await Client.SendAsync(request);
        Console.WriteLine(await response.Content.ReadAsStringAsync());
    }

    private static string HmacSha512(string key, string message)
    {
        using var hmac = new HMACSHA512(Encoding.UTF8.GetBytes(key));
        var hash = hmac.ComputeHash(Encoding.UTF8.GetBytes(message));
        return Convert.ToHexString(hash).ToLower();
    }
}

Java

import java.net.URI;
import java.net.http.HttpClient;
import java.net.http.HttpRequest;
import java.net.http.HttpResponse;
import java.nio.charset.StandardCharsets;
import java.time.ZoneId;
import java.time.ZonedDateTime;
import java.time.format.DateTimeFormatter;
import javax.crypto.Mac;
import javax.crypto.spec.SecretKeySpec;

public class Main {
    private static final String CLIENT_ID = "YOUR_CLIENT_ID";
    private static final String SECRET_KEY = "YOUR_SECRET_KEY";

    public static void main(String[] args) throws Exception {
        // Minified JSON, same as JSON.stringify(). Request has no body: sign the string "{}"
        String bodyJson = "{}";

        // Timestamp in UTC+7, format yyyyMMddHHmmssSSS
        String timestamp = ZonedDateTime.now(ZoneId.of("Asia/Ho_Chi_Minh"))
                .format(DateTimeFormatter.ofPattern("yyyyMMddHHmmssSSS"));
        String signature = hmacSha512(SECRET_KEY, timestamp + ":" + bodyJson);

        HttpRequest request = HttpRequest.newBuilder()
                .uri(URI.create("https://open-api.tingee.vn/v1/direct-link/financial-utility/account-balance-detail?bankBin=970418&role=Maker&accountNumber=1234567890"))
                .header("accept", "application/json")
                .header("Content-Type", "application/json")
                .header("x-client-id", CLIENT_ID)
                .header("x-request-timestamp", timestamp)
                .header("x-signature", signature)
                .method("GET", HttpRequest.BodyPublishers.noBody())
                .build();

        HttpResponse<String> response = HttpClient.newHttpClient()
                .send(request, HttpResponse.BodyHandlers.ofString());
        System.out.println(response.body());
    }

    private static String hmacSha512(String key, String data) throws Exception {
        Mac mac = Mac.getInstance("HmacSHA512");
        mac.init(new SecretKeySpec(key.getBytes(StandardCharsets.UTF_8), "HmacSHA512"));
        byte[] hash = mac.doFinal(data.getBytes(StandardCharsets.UTF_8));
        StringBuilder hex = new StringBuilder();
        for (byte b : hash) hex.append(String.format("%02x", b));
        return hex.toString();
    }
}

PHP

<?php
$clientId = "YOUR_CLIENT_ID";
$secretKey = "YOUR_SECRET_KEY";

$bodyJson = "{}"; // Request has no body: sign the string "{}"

// Timestamp in UTC+7, format yyyyMMddHHmmssSSS
$now = new DateTime("now", new DateTimeZone("Asia/Ho_Chi_Minh"));
$timestamp = $now->format("YmdHisv");
$signature = hash_hmac("sha512", $timestamp . ":" . $bodyJson, $secretKey);

$ch = curl_init();
curl_setopt_array($ch, [
    CURLOPT_URL => "https://open-api.tingee.vn/v1/direct-link/financial-utility/account-balance-detail?bankBin=970418&role=Maker&accountNumber=1234567890",
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_CUSTOMREQUEST => "GET",
    CURLOPT_HTTPHEADER => [
        "Accept: application/json",
        "Content-Type: application/json",
        "x-client-id: " . $clientId,
        "x-request-timestamp: " . $timestamp,
        "x-signature: " . $signature,
    ],
]);

$response = curl_exec($ch);
if ($response === false) {
    echo "cURL Error: " . curl_error($ch);
} else {
    echo $response;
}
curl_close($ch);

Sample Response

{
  "code": "00",
  "message": "Success",
  "data": {
    "accountNumber": "1234567890",
    "accountName": "NGUYEN VAN A",
    "status": "ACTIVE",
    "cif": "12345678",
    "branchCode": "001",
    "currency": "VND",
    "holdBalance": 0,
    "minBalance": 50000,
    "overdraftBalance": 0,
    "availableBalance": 10000000,
    "acctRelation": "OWNER",
    "currentBalance": 10050000,
    "maturityDate": "",
    "parentBoo": "HO",
    "boo": "001",
    "productCode": "CA01",
    "purposeCode": "001",
    "default": true
  }
}

Field	Type	Description
code	string	Result code (00 = Success).
message	string	Response message.
data.accountNumber	string	Account number.
data.accountName	string	Account holder name.
data.status	string	Account status: - ACTIVE: Active - INACTIVE: Inactive
data.cif	string	Customer CIF number.
data.branchCode	string	Branch code.
data.currency	string	Currency code.
data.holdBalance	number	Held balance.
data.minBalance	number	Minimum balance.
data.overdraftBalance	number	Overdraft balance.
data.availableBalance	number	Available balance.
data.acctRelation	string	Account relationship.
data.currentBalance	number	Current balance.
data.maturityDate	string	Maturity date.
data.parentBoo	string	Parent managing unit.
data.boo	string	Managing unit.
data.productCode	string	Product code.
data.purposeCode	string	Purpose code.
data.default	boolean	Default account.

---

Common error codes

Code	Description	How to handle
1077	The BIDV authorization session for the role has expired or has not been granted	Call Get authorization URL with the correct role so the user signs in to BIDV and re-authorizes, then call the API again.
1021	The bank is not supported for this API	Check bankBin; this API only supports BIDV (970418).
90, 91, 92, 97	Request authentication error (timestamp, client-id, signature)	See System error codes.
Others	Other errors	See Error codes.