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 TypeID 🇮🇩PH 🇵🇭
IndividualVirtual 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 - KredivoRetail Outlet / OTC - 7 Eleven - Cebuana - ECPay - Palawan - M Lhuillier - LBC - CVM - ECPay Loans - ECPay School - USSC - PeraHub - SM Bills Payment - Robinsons Bills Payment 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 - CorporationVirtual 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 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 *Curently N/A until further notice Credit Cards* - VISA - Mastercard - JCB - BCA Cards** *Not eligible for Foundation/Yayasan **Not eligible for PMA & Soleprop - American Express*** ***Not eligible for PMA & Soleprop. AMEX has a distinct activation flow and establishes specific criteria for its fulfillment Direct Debit - BRI - BCA KlikPay* - BCA Oneklik* - Mandiri *Not eligible for PMA & SolepropRetail Outlet / OTC - 7 Eleven - Cebuana - ECPay - Palawan - M Lhuillier - LBC - CVM - ECPay Loans - ECPay School - USSC - PeraHub - SM Bills Payment - Robinsons Bills Payment Ewallets - GCash - PayMaya - GrabPay - ShopeePay Paylater - Billease - Cashalo* *Curently N/A until further notice Credit Cards - VISA - Mastercard - JCB Direct Debit - BPI - UBP - Chinabank - RCBC
Foreign Entity PH 🇵🇭 - SEC Registered - Non-SEC RegisteredVirtual 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* *Curently N/A until further noticeRetail Outlet / OTC - 7 Eleven - Cebuana - ECPay - Palawan - M Lhuillier - LBC - CVM - ECPay Loans - ECPay School - USSC - PeraHub - SM Bills Payment - Robinsons Bills Payment Ewallets - GCash - PayMaya - GrabPay - ShopeePay Paylater - Billease 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 TypeID 🇮🇩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) - CIMB**** 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

**** Ineligible for the individual merchant and cryptocurrency business

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 🇲🇨

Notes: For Individual Business, NPWP requirement is not needed to activate OVO, ShopeePay, LinkAja, and Alfamart

Payment ChannelEstimated SLAHow to ActivateActivation Requirements
Virtual Account - BCA14 working daysDashboard (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 - DBS0-3 monthsContact 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 - BNC1-3 working daysContact 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 - Alfamart3-5 working daysDashboard (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 - Indomaret3-4 monthsContact AM/SR/Customer Success Team via live chat, email, or WAIndomaret 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 - OVO3 working daysDashboard (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 - DANA3 working daysDashboard (Configuration > Payment Methods)- Company legal address - Business owner phone number
Ewallet - LinkAja6 working daysDashboard (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 - ShopeePay14 working daysDashboard (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 - JeniusPay4-9 working daysContact 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 - SakukuN/AContact AM/SR/Customer Success Team via live chat, email, or WAN/A
QR Code - QRIS5 working daysDashboard (Configuration > Payment Methods)- Company legal address - Business owner phone number
Paylater - Kredivo14 working days for activation + 14 working days for integrationDashboard (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 - Indodana5 working daysContact 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 - Atome5-14 working daysContact AM/SR/Customer Success Team via live chat, email, or WAAtome is curently N/A until further notice - 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 Later14 working daysContact AM/SR/Customer Success Team via live chat, email, or WAShopeePay 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 Cards7 working days *Estimated processing time with all correct and available requirements, without any resubmissions. If there are any lacking requirements and resubmission is required, the SLA will likely exceed 7 working daysContact AM/SR/Customer Success Team via live chat, email, or WA- Website (ready to transact website) - Sign chargeback liability documents - Payment flow document - Business use case *Additional documents or information might be required during assessment
Credit Cards - AMEX21 working days *Estimated processing time with all correct and available requirements, without any resubmissions. If there are any lacking requirements and resubmission is required, the SLA will likely exceed 21 working daysContact AM/SR/Customer Success Team via live chat, email, or WAThe activation of AMEX credit cards can only be processed once the primary credit card (VISA, Mastercard, etc.) has been activated. Additional documents required: - BCA account under company name - BCA Merchant ID (if any)
Direct Debit - BRI21 working daysContact 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 KlikPay60 working daysContact 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 Oneklik60 working daysContact 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 - MandiriN/AContact AM/SR/Customer Success Team via live chat, email, or WAActivation 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

Philippines 🇵🇭

Payment ChannelEstimated SLAHow to ActivateActivation Requirements
Retail Outlet - ECPay - Palawan - M Lhuilier - LBC - CVM - ECPay Loan - ECPay School - USSC - PeraHub - SM Bills Payment - Robinsons Bills Payment5 working daysContact 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 - Gcash5 working daysDashboard (Configuration > Payment Methods)- Business name *Additional documents might be required depend on the verification
Ewallet - ShopeePay1-3 working daysDashboard (Configuration > Payment Methods)*Additional documents might be required depend on the verification
Paylater - Cashalo3-5 working daysContact AM/SR/Customer Success Team via live chat, email, or WACashalo is curently N/A until further notice - 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 Cards1-10 working days - 3 working days (PHP) - 10 working days (USD & recurring) *might be longer, depend on the currency used in the transactionDashboard (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 - ChinabankN/AContact 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

NoQuestionsAnswer
1I 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.
2Can 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.

Last Updated on 2023-08-22