{"id":72725,"date":"2026-10-09T16:46:00","date_gmt":"2026-10-09T09:46:00","guid":{"rendered":"https:\/\/faspay.co.id\/?p=72725"},"modified":"2026-10-11T18:55:31","modified_gmt":"2026-10-11T11:55:31","slug":"manual-payment-reconciliation","status":"publish","type":"post","link":"https:\/\/faspay.co.id\/en\/blog\/manual-payment-reconciliation\/","title":{"rendered":"The Risks of Manual Payment Reconciliation"},"content":{"rendered":"\n<p>Faspay Blog<\/p>\n<p>Find out about online business tips, payment technology, digital marketing, and everything you need to know about Faspay.<\/p>\n\t<a property=\"item\" typeof=\"WebPage\" title=\"Go to Faspay.\" href=\"https:\/\/faspay.co.id\/en\/\">Faspay<\/a><meta property=\"position\" content=\"1\"> &gt; Private: The Risks of Manual Payment Reconciliation<meta property=\"url\" content=\"https:\/\/faspay.co.id\/en\/blog\/manual-payment-reconciliation\/\"><meta property=\"position\" content=\"2\"><h1><span class=\"ez-toc-section\" id=\"The_Risks_of_Manual_Payment_Reconciliation\"><\/span>\n\t\t\tThe Risks of Manual Payment Reconciliation\t<span class=\"ez-toc-section-end\"><\/span><\/h1><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/faspay.co.id\/en\/blog\/manual-payment-reconciliation\/#The_Risks_of_Manual_Payment_Reconciliation\" >The Risks of Manual Payment Reconciliation<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/faspay.co.id\/en\/blog\/manual-payment-reconciliation\/#What_Is_Payment_Reconciliation\" >What Is Payment Reconciliation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/faspay.co.id\/en\/blog\/manual-payment-reconciliation\/#What_Are_the_Main_Types_of_Virtual_Account\" >What Are the Main Types of Virtual Account?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/faspay.co.id\/en\/blog\/manual-payment-reconciliation\/#How_Do_You_Reconcile_Payments_5_Key_Steps\" >How Do You Reconcile Payments? 5 Key Steps<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/faspay.co.id\/en\/blog\/manual-payment-reconciliation\/#Manual_vs_Automated_Payment_Reconciliation\" >Manual vs Automated Payment Reconciliation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/faspay.co.id\/en\/blog\/manual-payment-reconciliation\/#Can_a_Payment_Gateway_Automate_Payment_Reconciliation\" >Can a Payment Gateway Automate Payment Reconciliation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/faspay.co.id\/en\/blog\/manual-payment-reconciliation\/#How_Can_Faspay_Simplify_Payment_Reconciliation\" >How Can Faspay Simplify Payment Reconciliation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/faspay.co.id\/en\/blog\/manual-payment-reconciliation\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\t\t\t\t\t\t\t\t<a href=\"mailto:?body=https:\/\/faspay.co.id\/en\/?p=72725&amp;fl_builder\">\n\t\t\t\t\t\t\t\t\t\t\t\tShare on Email\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.facebook.com\/sharer.php?u=https:\/\/faspay.co.id\/en\/?p=72725&amp;fl_builder&amp;title=Private%3A+The+Risks+of+Manual+Payment+Reconciliation\">\n\t\t\t\t\t\t\t\t\t\t\t\tShare on Facebook\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/faspay.co.id\/en\/?p=72725&amp;fl_builder&amp;text=Private%3A+The+Risks+of+Manual+Payment+Reconciliation\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i>\ud835\udd4f<\/i>\n\t\t\t\t\t\t\t\t\t\t\t\tShare on X\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/api.whatsapp.com\/send?text=https:\/\/faspay.co.id\/en\/?p=72725&amp;fl_builder\">\n\t\t\t\t\t\t\t\t\t\t\t\tShare on WhatsApp\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/eg9mp7d8pz2.exactdn.com\/wp-content\/uploads\/2026\/10\/New-Thumbnail-OCT-MANUAL-REKON-ENG.jpg?strip=all&lossy=1&webp=85&resize=1080%2C720&ssl=1\" alt=\"manual-payment-reconciliation\" itemprop=\"image\" height=\"720\" width=\"1080\" title=\"manual-payment-reconciliation\" onerror=\"this.style.display='none'\" loading=\"lazy\">\n\t<p><strong>Payment reconciliation<\/strong> is the process of matching business transaction records with payment provider reports and funds received in a merchant&#8217;s bank account. It ensures payments are recorded accurately, identifies discrepancies, and helps businesses maintain reliable financial records.<\/p>\n<p>However, manual payment reconciliation becomes increasingly challenging as transaction volumes grow. From human error and missed payments to delayed settlements and inaccurate financial reporting, these risks can disrupt business operations.<\/p>\n<p>What are the risks of manual payment reconciliation, and how can businesses avoid them? Let&#8217;s explore.<\/p>\n<p><strong>Also Read: <\/strong><a href=\"https:\/\/faspay.co.id\/en\/blog\/e-wallet-payments\/\"><strong>How to Accept E-Wallet Payments for Your Business<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Payment_Reconciliation\"><\/span>\n\t\t\tWhat Is Payment Reconciliation?\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>Payment reconciliation is the process of verifying whether transaction records, payment confirmations, and settlement amounts match. It helps businesses confirm that customer payments have been processed correctly and properly reflected in their financial records.<\/p>\n<p>The process typically involves three sources of information:<\/p>\n<ol>\n<li><strong>Order or invoice records:<\/strong> The amount customers are expected to pay.<\/li>\n<li><strong>Payment transaction reports:<\/strong> Payment statuses, including successful, failed, pending, or refunded transactions.<\/li>\n<li><strong>Settlement reports and bank statements:<\/strong> The funds transferred to and received by the merchant.<\/li>\n<\/ol>\n<p>These records must be compared to identify missing transactions, unexplained differences, or payments awaiting settlement.<\/p>\n<p>Importantly, a successful payment does not always mean the funds have reached the merchant&#8217;s bank account. Settlement timing depends on the payment provider, payment method, and applicable settlement schedule.<\/p>\n<p>Understanding this distinction is essential for maintaining accurate transaction records and cash flow visibility.<\/p>\n<p><strong>Also Read: <\/strong><a href=\"https:\/\/faspay.co.id\/en\/blog\/how-a-payment-gateway-works\/\"><strong>How a Payment Gateway Works Behind Every Online Transaction<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_the_Main_Types_of_Virtual_Account\"><\/span>\n\t\t\tWhat Are the Main Types of Virtual Account?\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>Manual reconciliation using spreadsheets may be manageable for businesses with relatively few transactions. However, as payment volumes increase, businesses become more exposed to the following risks.<\/p>\n<h3><strong>1. Human Error and Duplicate Records<\/strong><\/h3>\n<p>Manual data entry increases the possibility of recording incorrect amounts, duplicating transactions, or overlooking payments.<\/p>\n<p>For example, imagine two customers each paying Rp350,000 on the same day. Without unique transaction identifiers, the finance team may struggle to match each payment to the correct order.<\/p>\n<p>This becomes particularly challenging when businesses receive payments through multiple banks or payment channels.<\/p>\n<p>Using <strong>Static or Dynamic Virtual Accounts<\/strong> with appropriate customer or transaction identifiers can simplify payment matching and reduce reliance on manual verification.<\/p>\n<p><strong>Also Read: <\/strong><a href=\"https:\/\/faspay.co.id\/en\/blog\/tyoes-of-virtual-account\/\"><strong>Types of Virtual Account: Static vs Dynamic, Which Is Best?<\/strong><\/a><\/p>\n<h3><strong>2. Unexplained Payment Discrepancies<\/strong><\/h3>\n<p>The total value of successful transactions may differ from the net amount received by a merchant.<\/p>\n<p>These differences can result from transaction fees, refunds, adjustments, or settlement timing.<\/p>\n<p>For example, a business records Rp1,000,000 in successful payments but receives Rp995,000 after a Rp5,000 transaction fee. Without reviewing the settlement details, the difference could be mistaken for a missing payment.<\/p>\n<p>Manual reconciliation makes these discrepancies harder to identify, particularly when payment data is stored across separate platforms.<\/p>\n<h3><strong>3. Delayed Detection of Suspicious Transactions<\/strong><\/h3>\n<p>Manual payment reconciliation can make unusual transaction patterns more difficult to identify, especially when records are scattered across multiple systems.<\/p>\n<p>Consider a customer who submits a screenshot of a bank transfer receipt. If a merchant processes the order without verifying the payment through an official banking or payment system, a forged receipt could lead to an unpaid order being fulfilled.<\/p>\n<p>Reliable transaction records and verified payment notifications help businesses identify inconsistencies earlier.<\/p>\n<p>However, payment reconciliation should complement, not replace, dedicated fraud prevention and transaction security measures.<\/p>\n<p><strong>Also Read: <\/strong><a href=\"https:\/\/faspay.co.id\/en\/blog\/payment-fraud\/\"><strong>Online Payment Fraud: Common Scams and Protection Tips<\/strong><\/a><\/p>\n<h3><strong>4. Slower Order Confirmation and Refund Processing<\/strong><\/h3>\n<p>When employees must verify payments individually, order confirmation can take longer.<\/p>\n<p>The same problem occurs when customers request refunds. Finance teams may need to trace the original payment, check its status, and confirm whether the refund has been processed.<\/p>\n<p>If transaction information is distributed across spreadsheets, bank statements, and payment platforms, resolving customer inquiries becomes more complicated.<\/p>\n<p>These delays can affect operational efficiency and the overall customer experience.<\/p>\n<h3><strong>5. Inaccurate Financial Reporting<\/strong><\/h3>\n<p>Missed payments, duplicate entries, and incorrectly recorded fees can create discrepancies in financial reports.<\/p>\n<p>The consequences extend beyond administrative errors. Unreliable transaction records can affect revenue analysis, cash flow forecasting, and business decision-making.<\/p>\n<p>During financial audits or month-end closing, unresolved discrepancies may require additional investigation.<\/p>\n<p>Accurate payment reconciliation helps businesses maintain reliable financial records and identify issues before they accumulated.<\/p>\n<h3><strong>6. Limited Scalability as Transactions Grow<\/strong><\/h3>\n<p>As businesses expand, payment volumes and operational complexity increase.<\/p>\n<p>Imagine processing hundreds of daily transactions through bank transfers, QRIS, Virtual Accounts, e-wallets, and credit cards.<\/p>\n<p>If every channel requires separate manual verification, the finance team&#8217;s workload grows alongside transaction volume.<\/p>\n<p>Instead of focusing on financial analysis and strategic planning, employees may spend more time on repetitive administrative tasks.<\/p>\n<p>This makes manual payment reconciliation increasingly difficult to sustain as businesses scale.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_You_Reconcile_Payments_5_Key_Steps\"><\/span>\n\t\t\tHow Do You Reconcile Payments? 5 Key Steps\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>The payment reconciliation process involves collecting payment records, matching transaction identifiers, verifying settlements, investigating discrepancies, and conducting regular reviews.<\/p>\n<p>Here are five practical steps businesses can follow.<\/p>\n<h3><strong>1. Collect Payment Records<\/strong><\/h3>\n<p>Gather invoices, transaction reports, settlement records, and bank statements covering the same reporting period.<\/p>\n<p>Include essential information such as transaction IDs, dates, payment amounts, payment methods, and transaction statuses.<\/p>\n<h3><strong>2. Match Transaction IDs<\/strong><\/h3>\n<p>Use unique payment reference numbers to match incoming payments with the corresponding orders or invoices.<\/p>\n<p>Avoid relying solely on payment amounts or dates, as multiple customers may make identical payments.<\/p>\n<h3><strong>3. Verify Payment Status and Settlement<\/strong><\/h3>\n<p>Confirm whether each payment was successfully processed and whether the corresponding funds have been settled.<\/p>\n<p>Keep successfully processed but unsettled transactions separate from missing payments to avoid reporting unnecessary discrepancies.<\/p>\n<h3><strong>4. Investigate Payment Discrepancies<\/strong><\/h3>\n<p>Review differences caused by transaction fees, refunds, duplicate entries, adjustments, or missing records.<\/p>\n<p>Document the cause of each discrepancy and any corrective action taken.<\/p>\n<h3><strong>5. Perform Reconciliation Regularly<\/strong><\/h3>\n<p>Establish a reconciliation schedule based on transaction volume, payment methods, and business requirements.<\/p>\n<p>Daily reconciliation can help businesses identify payment issues earlier, while periodic reviews support financial reporting and internal controls.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Manual_vs_Automated_Payment_Reconciliation\"><\/span>\n\t\t\tManual vs Automated Payment Reconciliation\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>Automated payment reconciliation uses integrated systems to match payment records and identify discrepancies with less manual intervention.<\/p>\n<p>Here is how the two approaches compare:<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Aspect<\/strong><\/td>\n<td><strong>Manual Reconciliation<\/strong><\/td>\n<td><strong>Automated Reconciliation<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Transaction matching<\/td>\n<td>Individual checks<\/td>\n<td>System-assisted matching<\/td>\n<\/tr>\n<tr>\n<td>Data monitoring<\/td>\n<td>Multiple sources<\/td>\n<td>Centralized where integrated<\/td>\n<\/tr>\n<tr>\n<td>Human error<\/td>\n<td>Higher exposure<\/td>\n<td>Reduced manual entry<\/td>\n<\/tr>\n<tr>\n<td>Discrepancy detection<\/td>\n<td>Manual investigation<\/td>\n<td>Rule-based identification<\/td>\n<\/tr>\n<tr>\n<td>Scalability<\/td>\n<td>Limited by workload<\/td>\n<td>More adaptable to volume<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Automated reconciliation can improve efficiency, but it does not eliminate the need for financial oversight.<\/p>\n<p>Businesses must still investigate unmatched transactions, verify settlement differences, and ensure payment records align with their internal accounting systems.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_a_Payment_Gateway_Automate_Payment_Reconciliation\"><\/span>\n\t\t\tCan a Payment Gateway Automate Payment Reconciliation?\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>A payment gateway can support automated payment matching through transaction identifiers, payment notifications, reporting, and system integrations.<\/p>\n<p>However, the level of automation depends on the provider&#8217;s capabilities and the merchant&#8217;s accounting infrastructure. Final verification of financial records may still be necessary.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Can_Faspay_Simplify_Payment_Reconciliation\"><\/span>\n\t\t\tHow Can Faspay Simplify Payment Reconciliation?\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>For businesses managing multiple payment channels, centralized transaction data can make payment reconciliation more efficient.<\/p>\n<p>Faspay is an Indonesian Payment Service Provider (PJP) licensed and supervised by Bank Indonesia, providing digital payment solutions that help merchants accept and manage transactions through integrated payment infrastructure.<\/p>\n<p>Through <a href=\"https:\/\/faspay.co.id\/en\/product\/faspay-business\/\">Faspay Business<\/a>, merchants can accept payments from <strong>50+ payment channels<\/strong>, including Virtual Accounts, QRIS, e-wallets, and credit cards.<\/p>\n<p>Faspay Business provides several capabilities that support transaction monitoring and reconciliation:<\/p>\n<ul>\n<li><strong>Centralized dashboard:<\/strong> Monitor payment transactions across supported channels.<\/li>\n<li><strong>Real-time payment notifications:<\/strong> Verify transaction statuses without relying solely on customer-submitted receipts.<\/li>\n<li><strong>Daily transaction reports:<\/strong> Access structured payment data to support reconciliation.<\/li>\n<li><strong>API and plugin integration:<\/strong> Connect payment processing with business websites, applications, and supported systems.<\/li>\n<\/ul>\n<p>Faspay also offers automated settlement report delivery through Secure File Transfer Protocol (SFTP), helping merchants integrate settlement information with their internal workflows.<\/p>\n<p>For invoice-based businesses, <a href=\"https:\/\/faspay.co.id\/en\/product\/faspay-billing\/\">Faspay Billing<\/a> provides an Auto Allocate Payment feature that can automatically allocate received payments to outstanding invoices.<\/p>\n<p>These capabilities help businesses reduce repetitive checks and improve payment visibility. However, <strong>transaction reporting and payment allocation are not substitutes for complete accounting reconciliation.<\/strong> Businesses should continue matching payment records against settlement reports and internal financial data.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>\n\t\t\tConclusion\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>Payment reconciliation is essential for maintaining accurate financial records, identifying payment discrepancies, and supporting efficient business operations.<\/p>\n<p>Relying on manual reconciliation can increase the risk of human error, delayed payment verification, and inaccurate reporting, particularly as transaction volumes grow.<\/p>\n<p>By adopting integrated payment systems and more structured reconciliation workflows, businesses can reduce administrative complexity and gain better visibility into their transactions.<\/p>\n<p><strong><a href=\"https:\/\/faspay.co.id\/id\/daftar\/\" target=\"_blank\" rel=\"noopener\">Register<\/a> now at <a href=\"https:\/\/faspay.co.id\/id\/\" target=\"_blank\" rel=\"noopener\">Faspay<\/a> <\/strong>and get the best Payment Gateway solution that is secure, fast, and reliable for your business!<\/p>\n\t\t\t<a href=\"https:\/\/faspay.co.id\/en\/regist\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tRegister Here\n\t\t\t\t\t<\/a>\n<h3>\n\t\t\tLihat Artikel Lainnya\t<\/h3>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What are the risks of manual payment reconciliation, and how can businesses avoid them? Let&#8217;s explore!<\/p>\n","protected":false},"author":37,"featured_media":72726,"comment_status":"closed","ping_status":"open","sticky":false,"template":"tpl-full-width.php","format":"standard","meta":{"footnotes":""},"categories":[410],"tags":[24,37,596,646],"class_list":["post-72725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-faspay","tag-payment-gateway","tag-pembayaran-digital","tag-sistem-pembayaran"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts\/72725","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/users\/37"}],"replies":[{"embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/comments?post=72725"}],"version-history":[{"count":3,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts\/72725\/revisions"}],"predecessor-version":[{"id":72732,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts\/72725\/revisions\/72732"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/media\/72726"}],"wp:attachment":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/media?parent=72725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/categories?post=72725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/tags?post=72725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}