Rules and Limitation

Payment Rules and Limitations

Below are the comprehensive information on rule and limitation applied for each eWallet channel you should know :

Indonesia

Value	OVO	DANA	LinkAja	ShopeePay (ID)	AstraPay	Jenius Pay	Sakuku
Payment Display	Push Notification	Redirect URL	Redirect URL	Redirect URL	Redirect URL	Push Notification	Redirect URL
Min Amount	IDR 100	IDR 100	IDR 100	IDR 100	IDR 100	IDR 1,000	IDR 100
Max Amount	Non Premium: IDR 2,000,000 Premium: IDR 20,000,000	Non Premium: IDR 2,000,000 Premium: IDR 20,000,000	Non Premium: IDR 2,000,000 Premium: IDR 10,000,000	Non Premium: IDR 2,000,000 Premium: IDR 20,000,000	Non Premium: IDR 2,000,000 Premium: IDR 20,000,000	Default: 5,000,000 unless changed by end user	Non Premium: IDR 2,000,000 Premium: IDR 10,000,000
App PIN required for authorization	✅	✅	✅	✅	✅	✅	✅
OTP required for authorization	❌	Dependent on DANA’s fraud risk black box	✅	❌	✅	❌	✅
Payment Expiration Time	55 seconds	Web link lasts 30 minutes	Web link lasts 30 minutes, expires 5 minutes after opened	Both deeplink and QR string last 30 minutes	Web link lasts 15 minutes	10 minutes	Web link doesn't expire
Tokenization - availability	🚧 We are temporarily halting new merchant onboarding for OVO tokenization. Please check back with us in a few months.	✅	✅	✅	❌	❌	❌
Tokenization - PIN & redirect flow	✅	✅	✅	✅	❌	❌	❌
Tokenization - auto debit (no PIN & redirect) flow	Special approval	✅	❌	Special approval	❌	❌	❌
PayLater Feature	❌	❌	❌	✅ Shopee PayLater available only through the e-wallets qr checkout method. To activate contact your Account manager or help@xendit.co.	❌	❌	❌

Philippines

Value	Maya (PayMaya)	GCash	GrabPay	ShopeePay (PH)
Payment Display	Redirect URL	Redirect URL	Redirect URL	Redirect URL
Min Amount	PHP 1	PHP 1	PHP 1	PHP 1
Max Amount	Standard: PHP 50,000 Upgraded: PHP 100,000	Standard: PHP 50,000 Upgraded: PHP 100,000	Standard: PHP 50,000 Upgraded: PHP 100,000	Standard: PHP 50,000 Upgraded: PHP 100,000
App PIN required for authorization	✅	✅	✅	✅
OTP required for authorization	✅	✅	✅	✅
Payment Expiration Time	Once opened, end users have 30 minutes to select either Express Checkout or QR Pay. Once selected, end users have 15 to complete authorization	Web link lasts 15 minutes	Web link lasts 15 minutes	Both deeplink and QR string last 30 minutes
Tokenization - availability	✅	❌	✅	✅
Tokenization - PIN & redirect flow	❌	❌	❌	❌
Tokenization - auto debit (no PIN & redirect) flow	✅	❌	✅	✅

Vietnam

Value	Appota	Momo	ZaloPay	ShopeePay (VN)	VNPT Pay	ViettelPay
Payment Display	Redirect URL	Redirect URL	Redirect URL	Redirect URL	Redirect URL	Redirect URL
Min Amount	VND 1,000	VND 1,000	VND 1,000	VND 1,000	VND 1,000	VND 1,000
Max Amount	VND 500,000,000	VND 50,000,000	VND 500,000,000	VND 500,000,000	VND 500,000,000	VND 500,000,000
App PIN required for authorization	✅	✅	✅	✅	❌	❌
OTP required for authorization	❌	❌	❌	❌	✅	✅
Payment Expiration Time	20 minutes	10 minutes	15 minutes	25 minutes	10 minutes	25 minutes
Tokenization - availability	❌	❌	❌	❌	❌	❌
Tokenization - PIN & redirect flow	❌	❌	❌	❌	❌	❌
Tokenization - auto debit (no PIN & redirect) flow	❌	❌	❌	❌	❌	❌

Thailand

Value	WechatPay	LINE Pay	ShopeePay (TH)	TrueMoney
Payment Display	Redirect URL	Redirect URL	Redirect URL	Redirect URL
Min Amount	THB 1	THB 1	THB 1	THB 1
Max Amount	THB 10,000,000	THB 50,000	THB 200,000	THB 50,000
App PIN required for authorization	✅	✅	✅	❌
OTP required for authorization	❌	❌	❌	✅
Payment Expiration Time	2 hours	20 minutes	20 minutes	2 hours
Tokenization - availability	❌	❌	❌	❌
Tokenization - PIN & redirect flow	❌	❌	❌	❌
Tokenization - auto debit (no PIN & redirect) flow	❌	❌	❌	❌

Malaysia

Value	Touch n Go
Payment Display	Redirect URL
Min Amount	MYR 1
Max Amount	MYR 20,000
App PIN required for authorization	✅
OTP required for authorization	❌
Payment Expiration Time	1 hour
Tokenization - availability	✅
Tokenization - PIN & redirect flow	❌
Tokenization - auto debit (no PIN & redirect) flow	✅

Webhook Callback

Currently, eWallets have two types of callbacks:

Payment Callback - Callback that is sent when the end user has made a successful payment before the payment link expires. Currently exist for all eWallet channels.
Expiry Callback - Callback that is sent when the end user does not make a successful payment before the payment link expires. Currently exist for OVO only.

INFO

For all eWallet channels that currently do not have expiry callbacks, we recommend having a countdown from your application that displays the payment expiry time to the end user, using the provided “Payment Expiration Time” below as a reference. Once the countdown has reached zero, you can consider the payment link expired and update the payment status accordingly.

Indonesia

Value	OVO	DANA	LinkAja	ShopeePay (ID)	AstraPay	Jenius Pay	Sakuku
Payment Callbacks	✅	✅	✅	✅	✅	✅	✅
Expiry Callbacks	✅	❌	❌	❌	❌	❌	❌
Payment Expiration Time	55 seconds	Web link lasts 30 minutes	Web link lasts 30 minutes, expires 5 minutes after opened	Both deeplink and QR string last 30 minutes	Web link lasts 15 minutes	10 minutes	Web link doesn't expire

Philippines

Value	Maya (PayMaya)	GCash	GrabPay	ShopeePay (PH)
Payment Callbacks	✅	✅	✅	✅
Expiry Callbacks	❌	❌	❌	❌
Payment Expiration Time	Once opened, end users have 30 minutes to select either Express Checkout or QR Pay. Once selected, end users have 15 to complete authorization	Web link lasts 15 minutes	Web link lasts 15 minutes	Both deeplink and QR string last 30 minutes

Vietnam

Value	Appota	Momo	ZaloPay	ShopeePay (VN)	VNPT Pay	ViettelPay
Payment Callbacks	✅	✅	✅	✅	✅	✅
Expiry Callbacks	❌	❌	❌	❌	❌	❌
Payment Expiration Time	20 minutes	10 minutes	15 minutes	25 minutes	10 minutes	25 minutes

Thailand

Value	WechatPay	LINE Pay	ShopeePay (TH)	TrueMoney
Payment Callbacks	✅	✅	✅	✅
Expiry Callbacks	❌	❌	❌	❌
Payment Expiration Time	2 hours	20 minutes	20 minutes	2 hours

Malaysia

Value	Touch n Go
Payment Callbacks	✅
Expiry Callbacks	❌
Payment Expiration Time	1 hour

Interface Availability

Indonesia

Interface	OVO	DANA	LinkAja	ShopeePay (ID)	AstraPay	Jenius Pay	Sakuku
Invoice	✅	✅	✅	✅	✅	❌	❌
Test Mode Invoice	✅	✅	✅	✅	✅	❌	❌
Test Mode API	✅	✅	✅	✅	✅	✅	❌
Shopify	✅	✅	✅	✅	✅	❌	❌
Woocommerce	✅	✅	✅	✅	✅	❌	❌
Wix	✅	✅	✅	✅	✅	❌	❌
Magento	✅	✅	✅	✅	✅	❌	❌
Ecwid	✅	✅	✅	✅	✅	❌	❌
Zapier	✅	✅	✅	✅	❌	❌	❌
Sirclo	✅	✅	✅	❌	❌	❌	❌

Philippines

Interface	Maya (PayMaya)	GCash	GrabPay	ShopeePay (PH)
Invoice	✅	✅	✅	✅
Test Mode Invoice	✅	✅	✅	✅
Test Mode API	✅	✅	✅	✅
Shopify	✅	✅	✅	✅
Woocommerce	✅	✅	✅	✅
Wix	✅	✅	✅	✅
Magento	✅	✅	✅	✅
Ecwid	✅	✅	✅	✅
Zapier	✅	✅	✅	✅

Vietnam

Value	Appota	Momo	ZaloPay	ShopeePay (VN)	VNPT Pay	ViettelPay
Invoice	❌	❌	❌	❌	❌	❌
Test Mode Invoice	❌	❌	❌	❌	❌	❌
Test Mode API	✅	✅	✅	✅	✅	✅
Shopify	❌	❌	❌	❌	❌	❌
Woocommerce	❌	❌	❌	❌	❌	❌
Wix	❌	❌	❌	❌	❌	❌
Magento	❌	❌	❌	❌	❌	❌
Ecwid	❌	❌	❌	❌	❌	❌
Zapier	❌	❌	❌	❌	❌	❌

Thailand

Value	WechatPay	LINE Pay	ShopeePay (TH)	TrueMoney
Invoice	❌	❌	❌	❌
Test Mode Invoice	❌	❌	❌	❌
Test Mode API	✅	✅	✅	✅
Shopify	❌	❌	❌	❌
Woocommerce	❌	❌	❌	❌
Wix	❌	❌	❌	❌
Magento	❌	❌	❌	❌
Ecwid	❌	❌	❌	❌
Zapier	❌	❌	❌	❌

Malaysia

Value	Touch n Go
Invoice	✅
Test Mode Invoice	✅
Test Mode API	✅
Shopify	❌
Woocommerce	❌
Wix	❌
Magento	❌
Ecwid	❌
Zapier	❌

Redirect URL iFrame Compatibility

Indonesia

OVO	DANA	LinkAja	ShopeePay (ID)	AstraPay
✅	❌	❌	❌	❌

Philippines

Maya (PayMaya)	GCash	GrabPay	ShopeePay (PH)
✅	✅	✅	❌

Vietnam

Appota	Momo	ZaloPay	ShopeePay (VN)	VNPT Pay	ViettelPay
✅	✅	❌	❌	❌	❌

Thailand

Value	WechatPay	LINE Pay	ShopeePay (TH)	TrueMoney
	✅	✅	❌	✅

Malaysia

Touch n Go
❌

Last Updated on 2024-02-01