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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
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