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 ๐ฎ๐ฉ
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 ๐ต๐ญ
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 |
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