Beneficiary inquiry (BIDV, BaoKim)

GET

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

Look up the beneficiary account information

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	✓	BIN of the bank that performs the inquiry. Pass 970418 (BIDV), 970415 (VietinBank) or BAOKIM (BaoKim).
`creditAccountNumber`	string	✓	Beneficiary account number / card number / wallet number to look up.
`creditBankBin`	string	~	Beneficiary bank BIN. See Supported banks. Required, except for BAOKIM with `accountType = WALLET`.
`creditBankBranchCode`	string	✕	Beneficiary bank branch code. Only applies to VietinBank.
`role`	string	~	User role: `Maker` or `Checker`. Required for BIDV.
`accountType`	string	~	Beneficiary account type (only applies to BAOKIM): - `ACCOUNT`: Bank account number - `CARD`: Card number - `WALLET`: BaoKim wallet (`creditBankBin` not needed) The values `ID` and `PHONE` are also accepted and handled as `ACCOUNT`. Required for BAOKIM.
`walletId`	string	~	Username of the business's BaoKim wallet linked to TINGEE (the wallet used for the lookup). Required for BAOKIM.

Code samples

cURL
NestJS
C#
Java
PHP

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

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

    const params = {
        bankBin: "970418",
        role: "Maker",
        creditBankBin: "970418",
        creditAccountNumber: "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-inquiry",
        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);
}

directLinkFinancialUtilityAccountInquiry();

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-inquiry?bankBin=970418&role=Maker&creditBankBin=970418&creditAccountNumber=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();
    }
}

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-inquiry?bankBin=970418&role=Maker&creditBankBin=970418&creditAccountNumber=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
$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-inquiry?bankBin=970418&role=Maker&creditBankBin=970418&creditAccountNumber=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": {
    "creditAccountNumber": "1234567890",
    "creditAccountName": "NGUYEN VAN A",
    "creditBankBin": "970418"
  }
}

Field	Type	Description
`code`	string	Result code (`00` = Success).
`message`	string	Response message.
`data`	object	Beneficiary information. For BAOKIM only: if BaoKim returns multiple results, `data` is an array of objects with the structure below.
`data.creditAccountNumber`	string	Beneficiary account number / card number / wallet number.
`data.creditAccountName`	string	Beneficiary account holder name.
`data.creditBankBin`	string	Beneficiary bank BIN.
`data.creditPhoneNumber`	string	Beneficiary phone number (BAOKIM only, if available; normalized to the `0xxxxxxxxx` format).

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` to re-authorize, then run the lookup again.
`1086`	The Merchant's BAOKIM wallet has not been configured	Check that `walletId` is linked to TINGEE; if the error persists, contact TINGEE to complete the wallet configuration.
`1021`	The bank is not supported for this API	Check `bankBin`; only BIDV, VietinBank, OCB and BAOKIM are supported.
`90`, `91`, `92`, `97`	Request authentication error (timestamp, client-id, signature)	See System error codes.
`Others`	Other errors	See Error codes.

Header Request​

Query Parameters​

Code samples​

Sample Response​

Common error codes​

Header Request

Query Parameters

Code samples

Sample Response

Common error codes