Rules & Limitations

To ensure a smooth experience between you and your users, take note of the following rules and limitations set by the banks per payment method:

Indonesia 🇮🇩

	BRI	BCA OneKlik	BCA KlikPay	MANDIRI
Currency	IDR	IDR	IDR	IDR
Channel Code	DC_BRI	BCA_ONEKLIK	BCA_KLIKPAY	DC_MANDIRI
Account Identifier	Debit Card + Mobile Number + Email	Debit Card + Mobile Number	BCA KlikPay credentials	Debit Card
Account Linking	Debit Card	Debit Card	None	Debit Card
Authorization Method	No redirection	Redirection	Redirection	Redirection
Payment Limits	Minimum: 1 IDR Maximum per day: Basic - 10M IDR Black - 20M IDR Platinum - 50M IDR	Varies depending on end user settings	Minimum: IDR 10k Maximum per day (refreshes midnight): IDR 100M	Minimum: IDR 1k Maximum per day (refreshes midnight): IDR 1M
Payment Validation	via OTP (not required if transaction below 1M)	via OTP (optional depending on BCA anti-fraud logic)	via OTP (optional depending on BCA anti-fraud logic)	no OTP
Settlement to Xendit balance	Instant	Next business day	Next business day	Instant
Settlement Method	PayFac or Switcher	Switcher	Switcher	Payfac

Philippines 🇵🇭

	BPI	Unionbank	RCBC	Chinabank
Currency	PHP	PHP	PHP	PHP
Channel Code	BA_BPI	BA_UBP	BA_RCBC	BA_CHINABANK
Account Identifier	Mobile Bank Account Login	Mobile Bank Account Login	Mobile Bank Account Login	Mobile Bank Account Login
Account Linking	Bank Account	Bank Account	Bank Account	Bank Account
Authorization Method	Redirection	Redirection	Redirection	Redirection
Payment Limits	P50,000 daily (default) up to P500,000 (adjustable in BPI app)	P100,000 daily	P50,000 daily	P50,000 daily
Payment Validation	via OTP	via OTP (June 30, 2022 onwards)	via OTP	via OTP
Settlement to Xendit balance	Instant	Instant	Instant	Instant
Settlement Method	Aggregator/Switcher	Aggregator/Switcher	Aggregator/Switcher	Aggregator/Switcher