Enabling Payment Channels
Payment Channels Availability
Xendit can help you accept money from your customers in Indonesia & the Philippines through the following payment method:
| ID 🇲🇨 | PH 🇵🇭 |
|---|---|
| - Virtual Account - Retail Outlet - e-Wallet - QR Codes - PayLater - Credit Cards - Direct Debit | - Retail Outlet - e-Wallet - PayLater - Credit Cards - Direct Debit |
Within these channel groups, there are particular channels that will be instantly activated when your account is turned live, while there are other channels that require additional actions for their activation (non-instant channels). We will explain in more detail in the upcoming sections.
Payment Channels Availability based on Entity Type
A transaction made on behalf of the business both accepting and sending funds is easily help by Xendit with the various payment channels available. Each payment channel applied a different eligibility based on the Xendit account type. Check the following eligibility criteria for each of the payment channels below:
Accepting Payments
Below are the available payment channel to accept transaction from the customer based on your accounts entity type:
| Accounts Entity Type | ID 🇮🇩 | PH 🇵🇭 |
|---|---|---|
| Individual | Virtual Account - BNI - BRI - Mandiri - Permata - Bank Sahabat Sampoerna (BSS) - Bank Jawa Barat (BJB) - Bank Syariah Indonesia (BSI) - DBS Indonesia - Bank Neo Commerce (BNC) Retail Outlet - Alfamart* *include Alfaexpress, Alfamidi, Lawson, Dan+Dan Ewallets - OVO - DANA - LinkAja - ShopeePay - AstraPay - Jenius Pay - Sakuku QR Codes Paylater - Kredivo | Retail Outlet / OTC - 7 Eleven - Cebuana - ECPay - Palawan - M Lhuillier - LBC - RD Pawnshop - CVM - ECPay Loans - ECPay School - USSC - PeraHub Ewallets - GCash - PayMaya - GrabPay - ShopeePay Direct Debit - BPI - UBP - Chinabank - RCBC |
| Business Entity ID 🇮🇩 - PT - CV - PMA - Sole Proprietorship - Foundation/Yayasan PH 🇵🇭 - Sole proprietorship - Partnership - Corporation | Virtual Account - BCA* - BNI - BRI - Mandiri - Permata - Bank Sahabat Sampoerna (BSS) - Bank Jawa Barat (BJB) - Bank Syariah Indonesia (BSI) - DBS Indonesia - Bank Neo Commerce (BNC) - CIMB Niaga** *Not eligible for PMA & Soleprop **Not eligible for Soleprop Retail Outlet - Alfamart* - Indomaret *include Alfaexpress, Alfamidi, Lawson, Dan+Dan Ewallets - OVO - DANA - LinkAja - ShopeePay - AstraPay - Jenius Pay - Sakuku QR Codes* *Not eligible for Soleprop Paylater - Kredivo - Akulaku - UangMe - Indodana - Atome - ShopeePay Later Credit Cards* - VISA - Mastercard - JCB - American Express** - BCA Cards** *Not eligible for Foundation/Yayasan **Not eligible for PMA & Soleprop Direct Debit - BRI - BCA KlikPay* - BCA Oneklik* - Mandiri *Not eligible for PMA & Soleprop | Retail Outlet / OTC - 7 Eleven - Cebuana - ECPay - Palawan - M Lhuillier - LBC - RD Pawnshop - CVM - ECPay Loans - ECPay School - USSC - PeraHub Ewallets - GCash - PayMaya - GrabPay - ShopeePay Paylater - Billease - Cashalo Credit Cards - VISA - Mastercard - JCB Direct Debit - BPI - UBP - Chinabank - RCBC |
| Foreign Entity PH 🇵🇭 - SEC Registered - Non-SEC Registered | Virtual Account - BNI - BRI - Mandiri - Permata - Bank Sahabat Sampoerna (BSS) - Bank Jawa Barat (BJB) - Bank Syariah Indonesia (BSI) - DBS Indonesia - Bank Neo Commerce (BNC) Retail Outlet - Alfamart* *include Alfaexpress, Alfamidi, Lawson, Dan+Dan Ewallets - OVO - DANA - LinkAja - ShopeePay - AstraPay - Jenius Pay - Sakuku Paylater - Kredivo - Akulaku - UangMe - Indodana - Atome Credit Cards - VISA - Mastercard - JCB | Retail Outlet - 7 Eleven - Cebuana - ECPay - Palawan - M Lhuillier - LBC - RD Pawnshop - CVM - ECPay Loans - ECPay School - USSC - PeraHub Ewallets - GCash - PayMaya - GrabPay - ShopeePay Paylater - Billease Credit Cards* - VISA - Mastercard - JCB *Not eligible for Non-SEC registered foreign entity Direct Debit - BPI - UBP - Chinabank - RCBC |
Note:
- Instant VA settlement is currently not available for micro e-commerce merchant. T+7 settlement will be applied
- Credit Cards eligibility is subject to our internal team risk assessment of your business
Sending Payments
Below are the available sending payment channel to transfer a fund to multiple bank account destinations and e-Wallets:
| Accounts Entity Type | ID 🇮🇩 | PH 🇵🇭 |
|---|---|---|
| Individual | - Disbursement - Batch Disbursement - Payout | - Disbursement - Batch Disbursement |
| Business Entity ID 🇮🇩 - PT - CV - PMA - Sole Proprietorship - Foundation/yayasan PH 🇵🇭 - Sole proprietorship - Partnership - Corporation | - Disbursement - Batch Disbursement - Payout | - Disbursement - Batch Disbursement |
| Foreign Entity PH 🇵🇭 - SEC Registered - Non-SEC Registered | - Disbursement - Batch Disbursement - Payout | - Disbursement - Batch Disbursement |
Instantly Activated Payment Channels
When you sign up to Xendit, some of the payment channels are available by default for you to explore and test. Other payment channels require extra activation steps that you need to fulfill via Xendit Dashboard or by contacting our account manager/sales/customer cuccess team.
The following payment channels are available by default once your account is live:
| ID 🇲🇨 | PH 🇵🇭 |
|---|---|
| Virtual Account - BRI - BNI - Mandiri - Permata - Bank Sahabat Sampoerna (BSS) - Bank Jawa Barat (BJB) - Bank Syariah Indonesia (BSI) e-Wallet - Astrapay Paylater - Akulaku* - UangMe** Credit Cards*** | Direct Debit - BPI - UnionBank - RCBC e-Wallet - GrabPay - Paymaya Retail Outlet/OTC - 7Eleven - Cebuana Paylater - Billease** |
Note:
* Ineligible for these industry sectors: credit repayment, crypto-trading, investment products, multi level marketing (MLM), reseller merchants, etc. Cannot be in trading of cash-convertible/withdrawable items (gold bars, digital goods, store credits, high value jewelry or gems)
** Eligible for business entity only
*** Eligible for entities (PT, CV, PMA, and Sole Proprietorship) only and subject to other business due diligence criteria
For a full list of available payment channels, visit the Payment Methods page of your Xendit Dashboard. If you have any inquiries or further questions, please contact your account manager, sales representative, or Xendit’s Customer Success team for guidance. We would be happy to help.
Non-Instantly Activated Payment Channels
Non-instantly activated payment channels require extra activation steps to fulfill via Xendit Dashboard (Configuration menu > Payment Methods tab) or via escalation to our account manager/sales/customer success team.
Requirements
The following table shows the requirements to activate payment channels that are not instantly activated:
Indonesia 🇲🇨
| Payment Channel | Estimated SLA | How to Activate | Activation Requirements |
|---|---|---|---|
| Virtual Account - BCA | 14 working days | Dashboard (Configuration > Payment Methods) | - BCA bank account under company name - Business website/apps* - Director’s tax ID - Certificate of domicile - Deed of establishment - Decree of the Ministry of Justice and Human Rights (SK Menkeh) of establishment - Payment flow *social media & marketplace are not accepted |
| Virtual Account - CIMB | 3-14 working days | Contact AM/SR/Customer Success Team via live chat, email, or WA | - Business website/apps/socmed/marketplace - Business name - Business ID - VA type to be activated (FVA or invoice VA) - Business type / account type (PT, CV, etc) Available for aggregator & switcher Restricted for cryptocurrency business |
| Virtual Account - DBS | 0-3 months | Contact AM/SR/Customer Success Team via live chat, email, or WA | - Business website/apps/socmed/marketplace - Business name - Business ID Available for switcher Eligible for the limited merchant only with the particular term and condition |
| Virtual Account - BNC | 1-3 working days | Contact AM/SR/Customer Success Team via live chat, email, or WA | - Business website/apps/socmed/marketplace - Business name - Business ID - VA type to be activated (FVA or invoice VA) - Business type / account type (PT, CV, etc) Available for aggregator & switcher |
| Retail Outlet - Alfamart | 3-5 working days | Dashboard (Configuration > Payment Methods) | - Designated payment code prefix (Max Length = 6, Restricted characters = I,O,1,0) - Customer support email - Business type / account type (PT, CV, etc) - Website publish date* - Monthly estimated transaction - Monthly estimated sales - Director’s / point of contact name - Director’s / point of contact phone number - Director’s / point of contact email *for business entity type |
| Retail Outlet - Indomaret | 3-4 months | Contact AM/SR/Customer Success Team via live chat, email, or WA | Indomaret applied a limited application only with the requirements below: - High TPV > IDR 100mio/month and high count of transaction monthly - Positive business growth - More than 1 years old business website |
| Ewallet - OVO | 3 working days | Dashboard (Configuration > Payment Methods) *Available for the OVO One Time Payment activation only | - Business Logo - Company Type - Business Sector - Tokenization preference - PIC name - PIC phone number - PIC ID type - PIC ID number |
| Ewallet - DANA | 3 working days | Dashboard (Configuration > Payment Methods) | - Company legal address - Business owner phone number |
| Ewallet - LinkAja | 6 working days | Dashboard (Configuration > Payment Methods) | - Business name - Company Type - Business Establishment City - Business Establishment Date - Business Category - Estimated yearly sales (IDR) - Outlet Location - Director name - Director ID card number - Director ID issuance date - Director phone number - Director work email - Director Address |
| Ewallet - ShopeePay | 14 working days | Dashboard (Configuration > Payment Methods) | - Company's incorporation date - Shareholder names - Board of Directors & Board of Commissioners names - Director's citizenship - Director's Name - Director's KTP Number - Director's Gender - Director's Birth City - Director's Birth Date - Director's Address - Director's email - Director's Phone Number |
| Ewallet - JeniusPay | 4-9 working days | Contact AM/SR/Customer Success Team via live chat, email, or WA | - Business ID - Business name - Company legal name - Business logo - Date of establishment - Business website - Business industry |
| Ewallet - Sakuku | N/A | Contact AM/SR/Customer Success Team via live chat, email, or WA | N/A |
| QR Code - QRIS | 5 working days | Dashboard (Configuration > Payment Methods) | - Company legal address - Business owner phone number |
| Paylater - Kredivo | 14 working days for activation + 14 working days for integration | Dashboard (Configuration > Payment Methods) | - Business logo - Business name - Business website/apps - Integration plan (API, payment link, etc) - Business PIC name - Business PIC phone number - Business PIC email - Customer support email - Finance PIC name - Finance PIC phone number - Finance PIC email - Director name - Director phone number - Director email |
| Paylater - Indodana | 5 working days | Contact AM/SR/Customer Success Team via live chat, email, or WA | - Business ID - Business name - Business website/apps - Info of product sell by the merchant |
| Paylater - Atome | 5-14 working days | Contact AM/SR/Customer Success Team via live chat, email, or WA | - Business email - Legal company name - Business name - Business website - Business category (airline, retail, etc) - Business classification (online, offline) - NPWP number - Monthly estimated sales - Monthly estimated transaction - Number of offline store - PIC name - PIC phone number - Merchant address - Director name - Integration plan (API, invoice/payment link) During account activation process merchant should already upload the legal docs below as it required for Atome activation: Business Entity: 1. Deed of Establishment / Akta Pendirian 2. Business License (NIB/SIUP/SKDU/SK) 3. Company NPWP Sole proprietorship: 1. Owner's ID 2. Owner's NPWP 3. SIUP (optional) |
| Paylater - ShopeePay Later | 14 working days | Contact AM/SR/Customer Success Team via live chat, email, or WA | ShopeePay Later applied a limited application only with the requirements below: - High TPV - Have at least one Xendit paylater channel Akulaku/Kredivo/UangMe/Indodana activated first - Industry/business preference from electronics, home shopping, lifestyle, e-commerce, luxury fashion (jewelry, branded bags/clothes/etc) |
| Credit Cards | 21 working days | Contact AM/SR/Customer Success Team via live chat, email, or WA | - Sign chargeback liability documents - Payment flow document - Business use case Additional documents or information might be required during assessment |
| Direct Debit - BRI | 21 working days | Contact AM/SR/Customer Success Team via live chat, email, or WA | - Business name - Business ID - Company legal name - Business name - Business industry - PIC name - PIC phone number - PIC email - Business address Additional docs possibly required for the activation: - Akta & SK Menkeh - Business license (NIB, SIUP, TDP, etc) - KTP - NPWP - Payment flow |
| Direct Debit - BCA KlikPay | 60 working days | Contact AM/SR/Customer Success Team via live chat, email, or WA | - Business ID - Company legal name - Business name - Business description - Business website/apps - Business email Additional docs possibly required for the activation: - KTP - NPWP - Business license (NIB, SIUP, TDP, etc) - Akta & SK Menkeh - SK Domisili |
| Direct Debit - BCA Oneklik | 60 working days | Contact AM/SR/Customer Success Team via live chat, email, or WA | - Business ID - Company legal name - Business name - Business website - Business email Additional docs possibly required for the activation: - KTP - NPWP - Business license (NIB, SIUP, TDP, etc) - Akta & SK Menkeh - SK Domisili |
| Direct Debit - Mandiri | N/A | Contact AM/SR/Customer Success Team via live chat, email, or WA | Activation applied to a limited merchant only, contact our team to check your account eligibility. - Business name - Company legal name - Business industry - Monthly estimated transaction - Monthly estimated sales - Business use case - Number of turnover per year (please provide the highest turnover per year) - Average daily sales volume per day - Online refund daily limit - Payment flow document or merchant journey on the website - Customer support contact Additional documents or information might be required during assessment |
Notes: For Individual Business, NPWP requirement is not needed to activate OVO, ShopeePay, LinkAja, and Alfamart
Philippines 🇵🇭
| Payment Channel | Estimated SLA | How to Activate | Activation Requirements |
|---|---|---|---|
| Retail Outlet - ECPay - Palawan - M Lhuilier - LBC - RD Pawnshop - CVM - ECPay Loan - ECPay School - USSC - PeraHub | 5 working days | Contact AM/SR/Customer Success Team via live chat, email, or WA | - Business ID - Merchant Name - Prefix (Max Length = 6, Restricted characters = I,O,1,0) - Environment (test/live) |
| Ewallet - Gcash | 5 working days | Dashboard (Configuration > Payment Methods) | - Business name *Additional documents might be required depend on the verification |
| Ewallet - ShopeePay | 1-3 working days | Dashboard (Configuration > Payment Methods) | *Additional documents might be required depend on the verification |
| Paylater - Cashalo | 3-5 working days | Contact AM/SR/Customer Success Team via live chat, email, or WA | - Form activation - Loan Product Agreement Form - Merchant's Logo (file type: PNG ; image size: 800 pixels x 500 pixels ; file size: maximum 4 MB) |
| Credit Cards | 1-10 working days - 3 working days (PHP) - 10 working days (USD & recurring) *might be longer, depend on the currency used in the transaction | Dashboard (Configuration > Payment Methods) | - Business entity type - Transaction currency - Legal business name - Trading name/ Brand name/ Xendit Dashboard Name - Estimated monthly transactions (in PHP) - Co-founder's middle name - Co-founder's date of birth - Payment flow documents *Additional documents/information might be required depend on the verification |
| Direct Debit - Chinabank | N/A | Contact AM/SR/Customer Success Team via live chat, email, or WA | *Applied to the limited merchant depend on the nature of the business eligibility |
Frequently Asked Questions
| No | Questions | Answer |
|---|---|---|
| 1 | I requested for channel activation but it has not been activated until now, why does that happen? | The delay in the channel activation process can be caused by multiple reasons. It can be caused by the delay in our partner and missing requirements (docs, information) among other things. Reach out to our CS team and we will help you to understand more about your channel activation process. |
| 2 | Can I turn off my payment channels? How? | To turn off payment methods for Invoice users, simply adjust your Invoice payment settings in Dashboard to turn on or turn off payment methods. Future invoice will no longer create the removed payment method. Existing and past Invoices won't be impacted by the adjustment. You can always turn on the payment method again anytime you want by following the same steps. Learn more on how to customize your Invoice here. For API users, remove bank code or channel code value in your API request to turn off a particular payment channel. You can test your changes in Test mode before deploying to Live mode |
Note:
- Your questions are not listed in the FAQ? Check the Xendit Help Guide for further information.
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