Top up balance

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Purpose — Add funds for disbursements and other money-out transactions.
Limitation — Top-ups cannot be used to receive payments from customers.


Universal Flow

  1. Open Dashboard → Balance

  2. Click Top Up and choose your country method

  3. Follow on-screen steps and send the transfer

Processing time varies by network, currency, and country (see FAQs).


Indonesia

Instant Top-Up (IDR) via Dedicated VA

  • Each account has a Top-Up Virtual Account (VA)

  • Transfer IDR from any bank:    

    • Same-bank – instant

    • Inter-bank – ≈ 5 min (LLG/RTGS not supported)

  • Find your VA in Dashboard → Balance → Top Up → Select Bank

Check Status

Dashboard → Balance History → filter Top Up. If missing, open the Pending tab (same-bank usually ≤ 5 min).

FAQ

Top-up not showing?

• Use an instant network (not LLG/RTGS).
     • If funds bounced, email help@xendit.co with proof.

Can I get a VA at another bank?

Yes — request one for BNI, BRI, BSS, or Permata.


Philippines

Xendit supports two automated funding routes.

UBP Bills Payment (recommended)

Posts in ≤ 5 min, 24 × 7.

  1. Open Pay Bills (UBP Online) or Bills Payment (UBP Portal)

  2. Select biller “XENDIT BALANCE TOP-UP”

  3. Enter your payment code (Dashboard → Balance → Top Up)

  4. Enter amount → Pay

Bank Transfer + Upload

Dashboard → Balance → Top Up → Bank Transfer
Upload transfer details and slip; processed weekdays 09:00-18:00 GMT+8.

Service-Level Matrix (PHP → PHP Balance)

Method

Cut-off

Credited*

UBP Bills Payment

Any time

≤ 5 min

Same-bank transfer

Any time

5 – 10 min

InstaPay ≤ PHP 50 k

Any time

5 – 10 min

PESONet

≤ 15:00

By 19:00 same day

PESONet

> 15:00

By 12:00 next biz day

Cash / Check OTC

Bank SLA

3 – 5 banking days

International wire

3 – 7 banking days

*During support hours 09:00-18:00 PHT, weekdays.

Check Status

Dashboard → Balance History → filter Top Up (check Pending). Email notice is sent once credited.

FAQ

When will my top-up arrive?

If beyond the SLA above, email help@xendit.ph.


Malaysia

Dashboard → Balance → Top Up → Bank Transfer
Upload slip; processed weekdays 09:00-18:00 GMT+8.
After-hours requests post by 12:00 next day if funds are in.

Check Status

Dashboard → Balance History → filter Top Up (see Pending if needed).


Thailand

Dashboard → Balance → Top Up → Bank Transfer
Upload slip; processed weekdays 09:00-16:30 GMT+7. Confirmation email on credit.

Check Status

Same path as above → Pending if needed.


Vietnam

Dashboard → Balance → Top Up → Bank Transfer

  • ≤ 500 M VND – instant credit

  • > 500 M VND – processed Mon-Fri 08:30-16:00; credit ≤ 30 min once funds arrive


Foreign-Currency Top-Up (USD → local balance)

Use when funding from a foreign-currency account. Xendit quotes the FX rate before credit.

1 · Send USD

Entity

Bank

Account name

Account #

Indonesia

BNI

PT Sinar Digital Terdepan

598 894 948

Philippines

UnionBank

Xendit Philippines Inc.

130 590 027 477

2 · Notify Customer Success

Email help@xendit.co with:
• Proof of transfer  • USD amount  • Registered business name

3 · Approve FX Quote

CS sends the real-time rate (email/WhatsApp). Confirm within 24 h.

4 · Credit

After approval, Xendit converts and credits your balance. Confirmation email follows.

Cross-Border Top-Up to IDR Balance

Option

How to transfer

FX & settlement

Auto-Converted

Send foreign currency to your Top-Up VA

Bank sets the FX rate

Manual FX

Wire USD to the BNI USD account above

Email help@xendit.co to lock a rate


Global Processing-Time Reference

Country

Method

Posting time

Indonesia

Same bank

Instant

Indonesia

Inter-bank

Up to T+1

Philippines

UBP Bills Payment

5-10 min

Philippines

Same bank / InstaPay

5-10 min

Philippines

PESONet ≤ 15:00

By 19:00

Philippines

PESONet > 15:00

By 12:00 next biz day

Malaysia

Same / inter-bank

TBD

Thailand

Same / inter-bank

TBD

Vietnam

≤ 500 M VND

Instant

Vietnam

> 500 M VND

30 min (Mon-Fri 08:30-16:00)