Purpose — Add funds for disbursements and other money-out transactions.
Limitation — Top-ups cannot be used to receive payments from customers.
Universal Flow
Open Dashboard → Balance
Click Top Up and choose your country method
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.
Open Pay Bills (UBP Online) or Bills Payment (UBP Portal)
Select biller “XENDIT BALANCE TOP-UP”
Enter your payment code (Dashboard → Balance → Top Up)
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) |