@nds-stack/ibank-bca-sdk

Unofficial iBank BCA SDK - Cek saldo & mutasi rekening BCA via HTTP murni

Fitur

• ✅ Login ke iBank BCA (m.klikbca.com)
• ✅ Cek Saldo rekening
• ✅ Cek Mutasi rekening (7 hari terakhir)
• ✅ Deteksi QRIS/EDC - Identifikasi transaksi dari merchant
• ✅ Session persistence - Simpan & restore cookies
• ✅ Zero dependency - Hanya menggunakan native fetch & crypto
• ✅ Runtime agnostic - Bun, Node.js 18+, Deno

Instalasi

# Bun
bun add @nds-stack/ibank-bca-sdk

# npm
npm install @nds-stack/ibank-bca-sdk

# yarn
yarn add @nds-stack/ibank-bca-sdk

# pnpm
pnpm add @nds-stack/ibank-bca-sdk

Penggunaan Dasar

import { IBank } from '@nds-stack/ibank-bca-sdk';

const ibank = new IBank();

// Login
const login = await ibank.login('USERID1234', '123456');

if (login.success) {
  // Cek saldo
  const balance = await ibank.getBalance();
  console.log(`Saldo: Rp ${balance.account.balanceFormatted}`);
  
  // Cek mutasi 7 hari terakhir
  const end = new Date();
  const start = new Date();
  start.setDate(start.getDate() - 7);
  
  const mutations = await ibank.getMutations(start, end);
  console.log(`Transaksi: ${mutations.transactions.length} items`);
  
  // Logout
  await ibank.logout();
}

Deteksi QRIS/EDC

import { IBank, OutletMapper, setOutletMapper } from '@nds-stack/ibank-bca-sdk';

// Setup outlet mapping
const mapper = new OutletMapper();
mapper.add('QRIS', 'My Shop', '002XXXXXX');
mapper.add('QRIS', 'My Cafe', '002XXXXXX');
mapper.add('EDC', 'EDC Machine', '002XXXXXX');
setOutletMapper(mapper);

const ibank = new IBank();
await ibank.login('USER', 'PIN');
const mutations = await ibank.getMutations(start, end);

// Filter transaksi QRIS
const qrisTransactions = mutations.transactions.filter(
  t => t.sourceType === 'QRIS'
);

qrisTransactions.forEach(t => {
  console.log(`${t.outlet}: Rp ${t.amount} (Gross: ${t.gross}, Fee: ${t.fee})`);
});

Session Persistence

const ibank = new IBank();

// Coba restore session dari file/DB
const savedSession = JSON.parse(localStorage.getItem('bca_session'));
if (savedSession) {
  ibank.restoreSession(savedSession);
  
  // Test session valid
  try {
    const balance = await ibank.getBalance();
    console.log('Session restored!', balance);
  } catch {
    // Session expired, login baru
    await ibank.login('USER', 'PIN');
  }
}

// Simpan session setelah selesai
const session = ibank.saveSession();
localStorage.setItem('bca_session', JSON.stringify(session));

// JANGAN logout jika ingin session tetap valid!
await ibank.closeSession(); // Tutup tanpa logout

API Reference

new IBank(options?)

| Parameter | Type | Description | |-----------|------|-------------| | options.outlets | Array | Daftar outlet untuk deteksi QRIS/EDC |

ibank.login(userId, pin)

| Parameter | Type | Description | |-----------|------|-------------| | userId | string | User ID BCA (8 huruf + 4 angka) | | pin | string | 6 digit PIN |

Returns: Promise<{ success: boolean, error?: string }>

ibank.getBalance()

Returns: Promise<{ success: boolean, account?: {...}, error?: string }>

ibank.getMutations(startDate, endDate)

| Parameter | Type | Description | |-----------|------|-------------| | startDate | Date | Tanggal mulai (max 31 hari ke belakang) | | endDate | Date | Tanggal akhir (max 7 hari dari start) |

Returns: Promise<MutationResult>

Transaction Object

{
  date: string;           // "18/04/2026" atau "PEND"
  description: string;    // Deskripsi transaksi
  type: 'CR' | 'DB';     // CR = masuk, DB = keluar
  amount: number;         // Jumlah
  sourceType: 'QRIS' | 'EDC' | 'TRANSFER';  // Sumber
  outlet: string | null;  // Nama outlet (jika QRIS/EDC)
  mid: string | null;     // Merchant ID
  gross?: number;         // Amount sebelum fee
  fee?: number;           // Biaya admin
  feeRate?: number;       // Persentase fee
}

Session Methods

| Method | Description | |--------|-------------| | ibank.saveSession() | Simpan session ke object | | ibank.restoreSession(session) | Restore session dari object | | ibank.closeSession() | Tutup tanpa logout (session tetap valid) | | ibank.logout() | Logout + hapus session |

OutletMapper

import { OutletMapper, setOutletMapper } from '@nds-stack/ibank-bca-sdk';

const mapper = new OutletMapper();

// Tambah satu outlet
mapper.add('QRIS', 'My Shop', '002XXXXXX');

// Tambah banyak outlet sekaligus
mapper.addAll([
  { type: 'QRIS', outlet: 'My Shop', mid: '002XXXXXX' },
  { type: 'EDC', outlet: 'My EDC', mid: '002XXXXXX' }
]);

// Set sebagai mapper global
setOutletMapper(mapper);

Batasan

| Batasan | Keterangan | |---------|------------| | Akun | 1 akun per instance | | Session | Expired setelah 5 menit idle | | Mutasi | Max 7 hari per request | | Historis | Max 31 hari ke belakang | | Metode | Hanya POST (GET tidak didukung) |

Catatan Penting

⚠️ Package ini adalah unofficial SDK. Gunakan dengan bijak dan patuhi Terms of Service BCA.

⚠️ Jangan melakukan request terlalu sering untuk menghindari pemblokiran akun.

Testing

# Copy credentials example
cp .env.example .env

# Edit .env dengan kredensial Anda
# BCA_USERID=YOUR_USER_ID
# BCA_PIN=YOUR_PIN

# Jalankan test
bun run test/basic.test.js

License

MIT © NDS Stack

Related Packages

| Package | Description | |---------|-------------| | @nds-stack/qris-utils | QRIS Parser & Generator | | @nds-stack/bca-merchant-sdk | BCA Merchant SDK |