---
title: "Kredivo"
slug: "kredivo"
updated: 2026-06-16T10:01:04Z
published: 2026-06-16T10:01:04Z
canonical: "docs.xendit.co/kredivo"
---
> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xendit.co/llms.txt
> Use this file to discover all available pages before exploring further.
# Kredivo
Kredivo is a leading digital credit platform in Indonesia, offering instant credit for e-commerce, offline purchases, and personal loans through real-time decisioning. Customers can choose Kredivo as a PayLater payment option.
---
## Features
| **Channel Code** | KREDIVO |
| --- | --- |
| **Display Name** | Kredivo |
| **Currency** | IDR |
| **Country** | ID |
| **Type** | PAYLATER |
| **Min Amount** | 1,000.00 |
| **Max Amount** | 30,000,000.00 |
| **User Approval Flow** | REDIRECT |
| **Reusable Payment Code** | - |
| **Save** | - |
| **Merchant Initiated Transaction** | - |
| **Auth & Capture** | - |
| **Partial Capture** | - |
| **Desktop Support** | WEB URL |
| **Mobile Support** | MOBILE WEB URL |
| **Custom Payment Code** | - |
| **Display Merchant Name** | XENDIT |
| **Display User Name** | - |
| **Set Expiry** | - |
| **Payment Request Expiry (hours)** | 24 |
| **Payment Token Validity (years)** | - |
| **Payment Processing Time (hours)** | INSTANT |
| **Settlement Time** | T+4 CALENDAR DAYS* |
| **Installments** | ✓ |
| **Refund** | ✓ |
| **Partial Refund** | - |
| **Multiple Partial Refund** | - |
| **Refund Validity (days)** | 14 |
| **Payment Link** | ✓ |
| **Fund Flow** | AGGREGATOR |
## Payment flow
[Embedded content](https://www.youtube.com/embed/Lxzi9eULYH8)
1. On the checkout page, select **PayLater > Kredivo**
2. Fill in customer details and continue
3. Choose installment plan on the Kredivo payment page
4. Log in to Kredivo with your phone number and PIN, or create a new account
5. Enter the OTP sent to your phone and click **Bayar** (Pay)