Switch Payment Method

Switch Payment Method lets you change the payment method on an active payment link, without cancelling and recreating it. If your customer wants to pay with QRIS instead of Virtual Account, or switch from one bank's VA to another, you can make that change through your system instead of the dashboard.

It works together with API Payment Link. You create the link with one set of payment methods, and if the customer needs a different option, you switch it. No new link needed. No duplicate invoice numbers. No confusion for the customer.

Why Switch Payment Method Exists

Payment Link lets you create a link with available payment methods. But payment preferences change mid-transaction:

• A customer opens the link intending to pay via BCA VA, then realises their BCA balance is low and asks to pay via GoPay instead
• A customer prefers QRIS for smaller amounts but you initially sent a VA link
• A payment method is temporarily down and you need to offer an alternative without asking the customer to use a new link

Without Switch Payment Method, you would cancel the old link, create a new one, and resend it, disrupting the customer's flow and risking abandonment. With Switch Payment Method, the same link adapts.

How Switch Payment Method Relates to API Payment Link

  ┌───────────────────────────────┐
  │  API Payment Link              │
  │  Creates the link              │
  │  Sets initial payment methods  │
  └───────────┬───────────────────┘
              │
              │ The link is live. Customer has the URL.
              │
              ▼
  ┌───────────────────────────────┐
  │  Switch Payment Method     │
  │                                │
  │  Changes the payment method    │
  │  on the SAME link              │
  │                                │
  │  • VA → QRIS                   │
  │  • VA → E-Wallet               │
  │  • Any combination             │
  └───────────────────────────────┘

Payment Link creates the payment. Switch Payment Method keeps it flexible.

When to Use Switch Payment Method

• A customer contacts you asking to pay with a different method than what the link currently offers
• A payment channel experiences an outage and you need to redirect customers to working channels
• Your system detects that a customer's preferred method is not available and automatically switches to their backup
• You are doing A/B testing on payment method conversion rates

If the payment is already completed (PAID status), switching is not possible. Switch Payment Method only works on ACTIVE links.

How It Works

  ┌──────────────────────┐
  │  Customer            │
  │                      │
  │  "Can I pay with     │
  │   QRIS instead?"     │
  └──────────┬───────────┘
             │ ① Customer requests a different method
             ▼
  ┌──────────────────────┐
  │  Your System          │
  │  (or you, via API)    │
  └──────────┬───────────┘
             │ ② Sends switch request
             │   (payment_link_id, new method)
             ▼
  ┌──────────────────────┐
  │  Doitpay API          │
  │                       │
  │  • Validates link     │
  │    is still ACTIVE    │
  │  • Validates new      │
  │    method is enabled  │
  │  • Updates the link   │
  │  • Keeps same URL     │
  └──────────┬───────────┘
             │ ③ Returns updated link
             ▼
  ┌──────────────────────┐
  │  Your System          │
  │                       │
  │  • Confirms to you    │
  │  • Customer refreshes │
  │    the SAME link      │
  └──────────┬───────────┘
             │ ④ Customer opens same URL
             ▼
  ┌──────────────────────┐
  │  Customer            │
  │                      │
  │  • Sees new payment  │
  │    options available │
  │  • Pays with new     │
  │    method             │
  └──────────────────────┘

Step 1: Customer asks for a different method. They already have the payment link but want to pay differently.

Step 2: Your system sends the switch. It tells Doitpay which payment link to update and what new method to enable. The link ID and URL stay the same.

Step 3: Doitpay validates and updates. It checks that the link is still ACTIVE (not already paid, expired, or cancelled) and that the new method is enabled on your merchant account. If both checks pass, the link is updated immediately.

Step 4: Customer refreshes the same link. They see the new payment method available and complete the payment. No new link to find, no confusion.

What Can Be Switched

Switching Payment Method Type

Switching Within a Method Type

What Stays the Same

When you switch the payment method on a link, everything else remains unchanged:

The only thing that changes is the payment methods available to the customer.

What Cannot Be Switched

• A PAID link. Once the customer has paid, the payment is final.
• An EXPIRED link. If the link has passed its expiry time, it is closed.
• A CANCELLED link. Manually cancelled links cannot be reactivated.
• To a disabled method. The new method must be enabled on your merchant account.
• The amount or items. Switch Payment Method only changes the method, not the invoice details. If you need to change the amount, cancel and create a new link.

Getting Notified When a Switch Happens

Your system can receive automatic notifications when a payment method is switched:

The switched event tells your system which method was switched, what it changed from and to, and when it happened. The paid event includes the final payment method used so you can track which methods customers actually choose.

Common Questions

Q: Does the customer need a new link after switching?

No. The same payment URL updates automatically. The customer refreshes the page and sees the new payment options.

Q: Can I switch payment methods multiple times on the same link?

Yes. As long as the link remains ACTIVE, you can switch methods as many times as needed.

Q: What if the customer already started paying with the old method?

If the customer has not completed the payment yet, the switch takes effect when they refresh. If they already completed the payment, the switch is rejected because the link is now PAID.

Q: Can I switch to a payment method my account does not support?

No. Only methods enabled on your merchant account can be switched to. Contact Doitpay to enable additional payment methods.

Q: What happens if I switch to a method that is temporarily down?

The switch will succeed (the method is enabled on your account), but the customer may see an error when trying to pay. Use Switch Payment Method again to offer an alternative.

Q: How does this differ from cancelling and creating a new link?

Switch Payment Method preserves the payment link's identity. Cancel + recreate breaks it.

Best Practices

1. Switch proactively if a channel is down. If you know a payment channel is experiencing issues, switch affected links before customers complain.
2. Offer multiple methods from the start when possible. The more options on the initial link, the less you will need switching. Use switching as a fallback, not the default.
3. Notify your customer after switching. A quick message ("The payment link now also accepts QRIS, just refresh the page") keeps the transaction moving.
4. Track which switches lead to payment. If customers frequently switch from VA to QRIS, consider offering both from the start.
5. Do not switch too close to expiry. If the link is about to expire, creating a new link with a fresh expiry may be better than switching.
6. Keep the same invoice number. Switch Payment Method preserves it. This is the whole point, clean records without duplicates.