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Rules & Limitations
Last updated 08/25/2021
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:
| BRI | BCA OneKlik | BCA KlikPay | BPI | Unionbank | |
|---|---|---|---|---|---|
| Country | 🇮🇩 | 🇮🇩 | 🇮🇩 | 🇵🇭 | 🇵🇭 |
| Currency | IDR | IDR | IDR | PHP | PHP |
| Channel Code | DC_BRI | BCA_ONEKLIK | BCA_KLIKPAY | BA_BPI | BA_UBP |
| Account Identifier | Debit Card + Mobile Number + Email | Debit Card + Mobile Number | BCA KlikPay credentials | Mobile Bank Account Login | Mobile Bank Account Login |
| Account Linking | Debit Card | Debit Card | None | Bank Account | Bank Account |
| Authorization Method | No redirection | 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 | P50,000 daily | None |
| 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) | via OTP | Not required |
| Settlement to Xendit balance | Instant | Next business day | Next business day | Instant | Instant |
| Settlement Method | PayFac or Switcher | Switcher | Switcher | Aggregator/Switcher | Aggregator/Switcher |