JULO
Quick Start
- Sign up at julo.co.id and obtain API credentials
- Create a terminal in the Admin Console with the parameters below
- Start processing — the adapter is pre-built and ready to use
Overview
Julo — Indonesian BNPL-platform with AI/ML credit scoring (2M+ users). OJK P2P lending license (POJK 77/2016). Dynamic credit limits based on AI-scoring. Supports pay later and installments for 3, 6, and 12 months. Pre-qualification users via AI.
| Provider ID | julo |
| Category | Buy Now, Pay Later |
| Website | julo.co.id |
Supported operations: start_tx refund_tx status
Authentication
API Key + Secret Key. Request signing via HMAC-SHA256 using secret_key.
Configuration
Required Parameters
| Parameter | Description |
|---|---|
api_key | Julo API Key from merchant dashboard |
secret_key | Julo Secret Key for HMAC-SHA256 signing |
merchant_id | Julo Merchant ID |
base_url | API base URL (sandbox/production) |
Status Mapping
| Provider Status | 4pay Status | Description |
|---|---|---|
APPROVED | charged | |
REFUNDED | refunded | |
REJECTED | rejected | |
EXPIRED | rejected | |
PENDING | charging |