Bill Pay (Easy Pay, paid by BML card)

Pay a Dhiraagu postpaid bill through the dhiraagu.com.mv Easy Pay page. Like Reload, Dhiraagu only builds the order and the money moves on a BML Merchant Services transaction paid by card + 3-D Secure (BML API → Merchant Card Payment). From the payment page on, the two flows are identical; only the first page, the cart call and the form id differ.

Reconstructed from docs/dhiraaguapi/tmp/dhiraagu_billpay_gateway.har (a Firefox HAR) and the Easy Pay page's inline script.

Flow overview

GET  /services/easy-pay                       → nonce #1
GET  setting&act=bill          (nonce #1)     → blocked account statuses / customer types
POST dhiraaguIO&act=infoUnlisted (nonce #1)   → accountNumber, type, accountStatus, customerType
POST cart&act=easyPay          (nonce #1)     → cartId
GET  /services/payment-v2?cartid=<cartId>     → nonce #2
POST merchant&act=form  {"formId":1}          → BML gateway's merchantId
POST payment&act=create (formId 1)            → paymentId, oid (EP…)
POST bml&act=createV2                         → BML transaction url
        ── from here: the BML card-only merchant flow ──
GET  transaction.merchants…/<id>?wait=1   → 302 dhiraagu-bml-response.aspx (posts the payment)
                                          → 302 /services/bill-receipt?pyid=<paymentId>

As with reload, the ?wait=1 return hop is what tells Dhiraagu it was paid.

Common headers and the {"respStatus":"OK","resp":…} envelope are as in Reload → Common.

1. Settings

GET …&sub=setting&act=bill (no body, so a GET) — rules the page checks the lookup against:

{"settingAppJson1":{"accountStatus":{"val":["F"],…},"customerType":{"val":["P"],…}}}

A number whose accountStatus or customerType is in a val list is refused before ordering ("Payment for this service could not be accepted… [Account Status: F]" / "The number is not allowed. [Customer Type: P]"). Thijooree applies the same rules, skipping them if the call fails.

setting&act=maintenance has public.easyPay — "Y" means the page is under maintenance. Not checked.

2. Lookup

sub=dhiraaguIO&act=infoUnlisted, {"number":"7XXXXXX"} — the same call as Number Lookup, but the bill payment needs more of its answer:

{"respStatus":"OK","accountNumber":"1466154","accountStatus":"W","customerType":"S",
 "type":"BillPayment","serviceDetails":[{"unlisted":"N","prepaidIndicator":"N"}],
 "accountOwnerInfo":{"name":"…"}}

Note the fields are at the top level, not under resp.

Field	Use
`accountNumber`	the billing account the cart is made out to
`type`	`BillPayment`, or `writeOffPayments` for a written-off account — sent as `billType`
`prepaidIndicator`	`"Y"` is refused ("Prepaid number is not allowed.")

The page also accepts the account number itself in place of a service number (then serviceNumber is sent empty); Thijooree only pays by phone number.

3. Cart

sub=cart&act=easyPay, nonce from GET /services/easy-pay.

{"formId":1,"serviceNumber":"7XXXXXX","accountNumber":"1466154","amount":"1.05",
 "memberId":"","memberName":"","memberNId":"","billRef":"","billType":"BillPayment"}

{"cartId":"8fc33fa4-…","formId":1,"cartJson":[{"accountNumber":"1466154","serviceNumber":"7XXXXXX",
 "amount":1.05,"billRef":"","billType":"BillPayment"}],"cartAmount":1.05,"cartExpiry":"…(20 min)…",
 "paymentUrl":"https://www.dhiraagu.com.mv/services/payment-v2?cartid=8fc33fa4-…", …}

Rule	Value
Amount	any positive amount, up to 2 decimal places (the page's only check). No min / max.
GST	none

4. Payment page

Same as Reload §3–5 with formId: 1:

merchant&act=form lists DhiraaguPay (3), Bank of Maldives (1) and MIB (2) for "Easy Pay". The BML merchantId is the same as reload's.
payment&act=create returns an oid starting EP (reload's start ET).
bml&act=createV2 returns the transaction with "customerReference":"WebApp - Easy Pay" and the same redirectUrl. Its page is card-only, no BML Pay.

Bill record

sub=bill&act=list, {"paymentId"}, nonce from the receipt page — what the receipt shows:

[{"oid":"EP20260006911918","transId":"<BML txn id>","accountNumber":"1466154","serviceNumber":"7XXXXXX",
  "amount":1.05,"billStatus":1,"paidStatus":1,"cbsStatus":1,"cbsReceipt":"EP…-130","billType":"BillPayment", …}]

Not used by Thijooree yet.

Related: Number Lookup · Reload · BML Merchant Card Payment · App side: Transfer Flows

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