Top Up

All businesses can add funds to their Xendit Balance via Top Up which will be used to cover disbursements and other money-out transactions. Top up can be done anytime via bank transfer. Note that funds are credited to your Xendit Balance on any money-in transaction (e.g., top ups, payments, etc.) and are debited on any money-out transaction (e.g., disbursement, refund, chargeback, etc.).

Indonesia

How to Top Up

There are currently two ways to top up your Xendit balance:

1. Add funds to your dedicated Mandiri Virtual Account (VA)

   Upon registration with Xendit, you are automatically provided with a dedicated Mandiri VA for your top-ups. Note that this VA is different from the Billing VA that you are also provided with. Transferring to this Mandiri VA will result in your funds being automatically credited to your Xendit balance. To know how to transfer funds to your Mandiri VA:

   1. Go to your Xendit Dashboard
   2. Go to Balance Tab
   3. Click the Top Up button
   4. Select Mandiri, and then click How to top up? button. You will then be shown instructions on how to transfer funds to your Mandiri VA via ATM, i-Banking, and m-Banking.

2. Transfer funds to Xendit’s BCA bank account

   Top ups can also be done by transferring to Xendit’s BCA bank account. For new users, note that this is not automatically enabled. If you’d like to use the BCA top up:

   1. Email help@xendit.co to request BCA top up. Our CS will then notify you it if it is already enabled in your account.

   2. Once enabled, go to Balance Tab

   3. Click the Top Up button

   4. Select BCA

   5. Look for Description (your whitelist prefix) and click Generate. The generated text will be your unique whitelist prefix moving forward. Enter this prefix in the “Description” box during every transfer to Xendit’s BCA account.

   6. Click How to top up? button. You will then be shown instructions on how to transfer funds to Xendit’s BCA account via ATM, i-Banking, and m-Banking.

   

Check Top Up Status

You can check the status of your top up through the following steps:

1. On your Xendit Dashboard, go to Balance Tab
2. Go to Balance History
3. Filter table to “Top up”
4. Check whether the top up is already reflected in the history.
5. If the top up is not found, click Pending beside Balance History. Balance History contains all transactions that have been successfully debited from or credited to your Xendit Balance. Pending, on the other hand, displays transactions that are still pending in process and haven’t been settled.
6. Filter table to “Top up”
7. Look for your top up

Funds should be instantly available in your balance if you opted to top up via transfer to Mandiri VA. For topups via BCA, please ensure that you have included the whitelist prefix to enable automatic detection of your transfer.

FAQ

1. Why is my top up not reflected in my Balance yet?

There are several possibilities when your funds are not yet reflected in your balance:

1. You did not put the whitelist prefix in the description during your transfer to our BCA account. In this case, reach out to our Customer Success at help@xendit.co to notify them about your top up and have it processed.
2. You have not been whitelisted yet by Xendit. Reach out to help@xendit.co to request a unique whitelist prefix.
3. You did not use an instant transfer method (eg. LLG/RTGS). To ensure that funds are credited immediately, please use an instant transfer from your bank.

2.Are there other banks to which we can transfer funds for top-up?

Yes. Please reach out to help@xendit.co and ask the VA number for the bank you prefer (we also support BNI, BRI, BSS, BSI, Permata, etc.).

Philippines

How to Top Up

Currently, there’s one option to add funds to your Xendit balance: Transfer funds to Xendit’s UBP account

To see instructions on how to transfer:

1. Go to your Xendit Dashboard
2. Go to Balance Tab
3. Click the Top Up button, then you’ll be shown the bank details and instructions on how to top up

Check Top Up Status

Your AM will confirm once the funds are already credited to your balance. You can also check the status of your top up from the dashboard through the following steps:

1. On your Xendit Dashboard, go to Balance Tab
2. Go to Balance History
3. Filter table to “Top up”
4. Check whether the top up is already reflected in the history.
5. If the top up is not found, click Pending beside Balance History. Balance History contains all transactions that have been successfully debited from or credited to your Xendit Balance. Pending, on the other hand, displays transactions that are still pending in process and haven’t been settled.
6. Filter table to “Top up”
7. Look for your top up

FAQ

When will my top up be credited to my Xendit balance?

Depending on the channel used, these are the expected turnaround time for crediting:

1. Intrabank Fund Transfer - 15 mins
2. Interbank Fund Transfer (IBFT)
   • InstaPay (up to PHP 50,000) - 15 mins
   • PESONet - within 1 banking day if within 12NN cut-off
3. Bank Over-the-Counter Deposit (Check) - 1PM cut-off
   • Local Check - 3 banking days
   • Regional Check - 5 banking days
4. Bank Over-the-Counter Deposit (Cash) - 15 mins

If your top up is taking longer than expected, please reach out to our CS at help@xendit.ph for help.

Foreign Currency

How to Top Up

Xendit also offers its customers the ability to top up from foreign bank accounts. Note that this process requires forex exchange to complete the process.

Send funds to Xendit’s USD account

1. Reach out to our CS to get Xendit’s USD account details
2. Make a fund transfer to Xendit’s USD account through any method you prefer
   1. For PH customers, please reach out to your AM or help@xendit.ph to get the account details.
3. Email CS about your fund transfer, as well as your registered business name with Xendit and proof of transfer
4. Once the transferred funds have been reflected to Xendit’s USD account, CS will notify you via Email or Whatsapp of the foreign exchange rate. If you agree with this rate, we will exchange it and then top up the exchanged amount to your Xendit Balance.

Check Top Up Status

You will be sent a notification to the email you used to send your proof of transfer once top up is completed.

FAQ

1. When will my top up be reflected to my Balance?

We will only process your top up once the transferred funds are already reflected in Xendit’s USD bank account. We will then email you once your top up is successfully credited to your Balance.

2. What is the foreign exchange rate?

It will depend on the exchange rate you will agree with Xendit to exchange your funds with. Once the transferred funds have been reflected to Xendit’s USD account, CS will notify you via Email or Whatsapp of the foreign exchange rate. If you agree with this rate, we will exchange it and then top up the exchanged amount to your Xendit Balance.