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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 ๐Ÿ‡ฎ๐Ÿ‡ฉ

BRIBCA OneKlikBCA KlikPayMANDIRI
CurrencyIDRIDRIDRIDR
Channel CodeDC_BRIBCA_ONEKLIKBCA_KLIKPAYDC_MANDIRI
Account IdentifierDebit Card + Mobile Number + EmailDebit Card + Mobile NumberBCA KlikPay credentialsDebit Card
Account LinkingDebit CardDebit CardNoneDebit Card
Authorization MethodNo redirectionRedirectionRedirectionRedirection
Payment LimitsMinimum: 1 IDR Maximum per day: Basic - 10M IDR Black - 20M IDR Platinum - 50M IDRVaries depending on end user settingsMinimum: IDR 10k Maximum per day (refreshes midnight): IDR 100MMinimum: IDR 1k Maximum per day (refreshes midnight): IDR 1M
Payment Validationvia 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 balanceInstantNext business dayNext business dayInstant
Settlement MethodPayFac or SwitcherSwitcherSwitcherPayfac

Philippines ๐Ÿ‡ต๐Ÿ‡ญ

BPIUnionbankRCBCChinabank
CurrencyPHPPHPPHPPHP
Channel CodeBA_BPIBA_UBPBA_RCBCBA_CHINABANK
Account IdentifierMobile Bank Account LoginMobile Bank Account LoginMobile Bank Account LoginMobile Bank Account Login
Account LinkingBank AccountBank AccountBank AccountBank Account
Authorization MethodRedirectionRedirectionRedirectionRedirection
Payment LimitsP50,000 daily (default) up to P500,000 (adjustable in BPI app)P100,000 dailyP50,000 dailyP50,000 daily
Payment Validationvia OTPvia OTP (June 30, 2022 onwards)via OTPvia OTP
Settlement to Xendit balanceInstantInstantInstantInstant
Settlement MethodAggregator/SwitcherAggregator/SwitcherAggregator/SwitcherAggregator/Switcher

BPI Scheduled Downtime

BPI will have a daily scheduled downtime on weekdays (Monday - Friday) at 22:00 - 22:30 PM (GMT+8) and 00:00 - 02:00 AM (GMT+8). During this downtime period, any BPI direct debit payment will not be processed.

Thailand ๐Ÿ‡น๐Ÿ‡ญ

Siam Commercial Bank (SCB)Bangkok Bank (BBL)KrungThai Bank (KTB)Bank of Ayudhya (BAY)Kasikorn Bank (KBank)
CurrencyTHBTHBTHBTHBTHB
Channel CodeBA_SCB
SCB_MB
BA_BBL
BBL_MB
BA_KTB
KTB_MB
BA_BAY
BAY_MB
KBANK_MB
Account IdentifierMobile Number + Mobile Bank Account LoginMobile Number + Mobile Bank Account LoginMobile Number + Identity Number + Mobile Bank Account LoginMobile Number + Identity Number + Mobile Bank Account LoginMobile Number + Mobile Bank Account Login
Account LinkingBank AccountBank AccountBank AccountBank AccountNone
Authorization MethodRedirectionRedirectionRedirectionRedirectionNone
Payment LimitsMinimum: THB 20Minimum: THB 20Minimum: THB 20Minimum: THB 20Minimum: THB 20
Payment Validationvia OTPvia OTPvia OTPvia OTPNone
Settlement to Xendit balanceInstantInstantInstantInstantInstant
Settlement MethodAggregatorAggregatorAggregatorAggregatorAggregator

Malaysia ๐Ÿ‡ฒ๐Ÿ‡พ

Financial Process Exchange (FPX)
CurrencyMYR
Channel CodeList
Account IdentifierInternet Bank Account Login
Account LinkingNone
Authorization MethodRedirection
Payment LimitsMinimum: MYR 1
Payment ValidationNone
Settlement to Xendit balanceNext business day
Settlement MethodAggregator

FPX Channel List

Channel CodeName
AFFIN_FPXAffin Bank
AGRO_FPXAGRONet
ALLIANCE_FPXAlliance Bank (Personal)
AMBANK_FPXAmBank
ISLAM_FPXBank Islam
MUAMALAT_FPXBank Muamalat
BOC_FPXBank Of China
RAKYAT_FPXBank Rakyat
BSN_FPXBSN
CIMB_FPXCIMB Clicks
HLB_FPXHong Leong Bank
HSBC_FPXHSBC Bank
KFH_FPXKFH
MAYB2E_FPXMaybank2E
MAYB2U_FPXMaybank2u
OCBC_FPXOCBC Bank
PUBLIC_FPXPublic Bank
RHB_FPXRHB Bank
SCH_FPXStandard Chartered
UOB_FPXUOB Bank
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