Limits & Processing Times

Processing Time

Most disbursements are processed instantly. While some are subject to a cut-off. Once you create a disbursement successfully, the disbursement amount will move from your cash balance to your ‘pending’ balance. When the disbursement is successfully executed, we will send you a callback with status = COMPLETED or SUCCEEDED and the disbursement amount will be deducted from your ‘pending’ balance.

Indonesia

Disbursement Limits

** While there is theoretically no maximum transfer limit for transfers to these banks, please note that we may have to report all transaction amounts above Rp 250.000.000 to the financial authorities in Indonesia along with supporting documentation regarding the underlying transaction when required. This does not mean that the disbursement will not succeed.

** Batch Disbursement supports unlimited amount transfer to all banks via SKN/RTGS. Transactions below IDR 10,000 or above IDR 250,000,000 (to banks other than BCA, BNI, BRI, Mandiri, and Permata) which are approved after 2pm (UTC+7) will be disbursed on the next business date.

*** Please contact us at help@xendit.co in case your business needs to send above amount (to banks other than BCA, BNI, BRI, Mandiri, and Permata).

For disbursements into an e-wallet, please note that each e-wallet imposes a limit on the amount of balance a user can hold in their wallet. In the event that a disbursement will bring a user’s balance above the prescribed maximum balance, the transfer will fail.

Bank Account Length Limit

The number of digits in a bank account number for each of the banks in Indonesia varies according to the bank. The following is the guideline of bank account length for the top banks in Indonesia.

*Note: The number of digits may include the length for Virtual Accounts.

Notes for BRI : Please make sure to add an extra 0 prefix in the case of a bank accounts with 14 digits. This is not applicable to VA accounts. (eg. 012345678901234)

E-wallet Account Length Limit

E-wallet accounts in Indonesia are based on Indonesian mobile numbers. While mobile numbers are usually written to include the country code, when mobile numbers are used as e-wallet account numbers, it is more common to use the format that contains 11 digits and where the prefix starts with zero (0). Example: 0XXXYYYZZZZ

When will My Money Arrive?

The time of arrival of funds depends on the banks’ processing time. After we send out the money, the money may need to be processed by various parties, including our bank, the switching networks, and the recipient’s bank. The arrival time may be affected by the banks’ operational hours -- some banks have downtime overnight or over weekends.

See below for an estimate of the time of arrival of funds, based on the transfer amount and time of the request.

The majority of transfers will be completed in this time, but please be aware of the below reasons for a possible delay:

• We can only move your money during normal banking hours. Things may take a little longer due to scheduled, or unexpected, bank downtimes.
• Sometimes the switching network or recipient bank's internal processing can also delay the transfer.
• The transfer may require reconciliation for the status to be identified.

If you feel that your transfer is taking unusually long, please get in touch with our support team.

Bank Downtimes

All banks in Indonesia have regular downtimes, which vary across different banks. We optimize for the time by routing each disbursement to the quickest available method at the time. If a bank is down for an extended period of time, Xendit will reroute disbursements through other banks.

If we receive a disbursement request during scheduled bank downtimes (usually occurs between 11pm - 5am UTC+7), our systems continuously retry the disbursement request by pinging the banks until the bank is up again, ensuring that your disbursement will be executed as soon as possible.

Please contact us at help@xendit.co in case your business needs to send funds during daily scheduled bank downtimes.

Malaysia

Disbursement Limits

When Will My Money Arrive?

Philippines

Disbursement Limits

There are different rails used in processing disbursements to Philippine banks and e-wallets. Depending on the rail used, there are limits on the amount per transaction

*For disbursements into an e-wallet, please note that each e-wallet imposes a limit on the amount of balance a user can hold in their wallet. In the event that a disbursement will bring a user’s balance above the prescribed maximum balance, the transfer will fail.

More on Transaction limits here: Coins.PH here | GCash here | Grabpay here | Paymaya here | Starpay here | Shopeepay here

Bank Account Length Limit

The number of digits in a bank account number for each of the banks in Philippines varies according to the bank. The following is the guideline of bank account length for the top banks in Philippines.

E-wallet Account Length Limit

E-wallet accounts in the Philippines are based on Philippine mobile numbers. While mobile numbers are usually written to include the country code, when mobile numbers are used as e-wallet account numbers, it is more common to use the format that contains 11 digits and where the prefix starts with zero (0). Example: 0XXXYYYZZZZ

When Will My Money Arrive?

The time of arrival of funds depends on the banks’ processing time. After we send out the money, the money may need to be processed by various parties, including our bank, the switching networks, and the recipient’s bank. The arrival time may be affected by the banks’ operational hours -- some banks have downtime overnight or over weekends. In most cases, the recipient’s bank has not provided the final status of the transaction which is why a transaction can get stuck in PENDING or DISBURSING. See below for an estimate of the time of arrival of funds, based on the transfer amount and time of the request. See below for an overview of estimated arrival schedules per destination bank and amount.

The majority of transfers will be completed in this time, but please be aware of the below reasons for a possible delay:

• We can only move your money once the final status is provided by the receiving bank. Things may take a little longer due to scheduled, or unexpected, bank downtimes.
• Sometimes the switching network or recipient bank's internal processing can also delay the transfer. In turn, if the final status is not provided by the recipient’s bank, Xendit is not able to provide a final status as well and may prolong the PENDING or DISBURSING status of the disbursement.
• The transfer may require reconciliation on the next banking day the earliest for the status to be identified.
• View which Philippines banks have instant/ cut-off processing here

If you feel that your transfer is taking unusually long, please get in touch with our support team at help@xendit.ph.

Bank Downtimes

All bank and e-wallet channels in the Philippines experience scheduled and unscheduled downtimes, which vary across different channels. Fortunately, redundancies have been created in our system to ensure your disbursement reaches the intended destination as quickly as possible. We will exhaust all available methods before declaring a failure of delivery. We will also notify you via our official communications channel for production announcements and via email for internal downtime advisories.

If we receive a disbursement request during scheduled bank downtimes (usually occurs between 12am - 1am UTC+8), our systems continuously retry the disbursement request by pinging the banks until the bank is up again, ensuring that your disbursement will be executed as soon as possible.

Thailand

Disbursement Limits

When Will My Money Arrive?

Vietnam

Disbursement Limits

When Will My Money Arrive?

Last Updated on 2025-01-15