Payment Guide

Payment Guide based on Payment Tools

Xendit Virtual Account can be paid by your customers through intrabank and interbank transfers. The following table visualizes the receiving bank capability to accept interbank transfer for each interface:

Bank Virtual Account Name (Receiving Bank)	ATM	Mobile or Internet Banking	Bank Teller
BCA	Only accept payments from Bank BCA	Accept payments from other banks as long as you are using the switcher model and depends on your agreement with Bank BCA	Currently not supported
BNI, BSI, BRI, Mandiri, BSS, BJB, Permata, and CIMB	Accept payments from other banks as long as the receiving bank listed in the ATM that being used	Accept payments from other banks as long as the receiving bank listed in the sender bank M-Banking	Accept payments from other banks as long as the receiving bank listed in the sender bank teller
DBS	Not available	Only accept overseas/telegraphic transfer payments from any bank outside Indonesia	Only accept overseas/telegraphic transfer payments from any bank outside Indonesia

Although your customers can make interbank transfers for Virtual Account transactions, we recommend paying using the same bank. For example, if the selected Virtual Account is Bank BNI, then we advise your customers to pay the BNI Virtual Account with Bank BNI as well. This is to avoid delays from interbank transactions which can take up to 1x24 working hours. If you are forced to make interbank transactions, then we advise your customers to select the BNI Virtual Account.

How to Pay a Virtual Account

Your customers are able to pay into your Virtual Account via ATM, mobile banking, and internet banking. However, please note that methods of payment differ according to the sender's bank.

We highly recommend directing customers to pay into the Virtual Accounts using the same bank, i.e. if you have Mandiri, kindly use the Mandiri Virtual Account. If none of the bank accounts are available, we recommend paying into BNI Virtual Account for interbank transfers. Interbank transfers using other than BNI Virtual Account carries a risk of delayed completion and may take up to 24 hours.

For DBS Virtual Account, your customers can only pay into your Virtual Account via overseas/telegraphic transfer from bank accounts outside Indonesia. They also have to indicate that the transfer fee will be charged to their account by selecting the "OUR" detail of charge during payment.

Click on the links below to download our payment guides:

Pay into a Virtual Account from the same bank:

1. Download how to pay Mandiri Virtual Account here
2. Download how to pay BRI Virtual Account here
3. Download how to pay BNI Virtual Account here
4. Download how to pay BCA Virtual Account here
5. Download how to pay Permata Virtual Account here
6. Download how to pay Sahabat Sampoerna Virtual Account here
7. Download how to pay BSI Virtual Account here
8. Download how to pay BJB Virtual Account here
9. Download how to pay CIMB Virtual Account here

Pay into Virtual Account to another bank:

1. Download how to pay Mandiri Virtual Account here
2. Download how to pay BRI Virtual Account here
3. Download how to pay BNI Virtual Account here
4. Download how to pay Permata Virtual Account here
5. Download how to pay Sahabat Sampoerna Virtual Account here
6. Download how to pay DBS Virtual Account here

Note: Mandiri Online Banking is rebranded to Livin' by Mandiri.

Virtual Account Name for SKN and RTGS Payment

In SKN, RTGS payment (via teller or internet banking), and telegraphic transfer, the end-user will be required to fill in the destination name (VA name) in the payment process. The name needs to be matched with prefix rules from the bank otherwise the payment will be rejected. This table below will set out how each bank implements their prefix.

Bank	Prefix	Need to include the prefix?	Example with VA name → Ismail Rabbanii
BCA, BSI, BJB, BSS, and DBS	No prefix	No prefix	No prefix
BRI	BRIVA	No	Ismail Rabbanii
BNI	XDT-	Yes	XDT-Ismail Rabbanii
Mandiri and Permata	Xendit	Yes	Xendit Ismail Rabbanii

Note:

• For BNI Fixed VA, the VA creation callback already included the prefix.
• Mandiri and Permata are TBC to be implemented.

Payment FAQ

1. Proof of payment shows that the payment was successful, why isn't it reflected on my dashboard?

   There are several scenarios that cause the above:A. Notifications / callbacks are not sent by our bank partners: Payment has been received, but the bank may have a network error causing delay / no notification sent.B. Stuck funds / returned to sender's account / bank, the cause usually is incorrectly entering VA details (number, name, address, etc.) which will cause payment to be rejected and returned to the sender's account / bank.

2. How long does it take for funds to return to the sender's bank account?

   The bounce back period varies from bank to bank. We advise your customers to check with their sender banks for the most accurate information and payment status.

3. Can Virtual Accounts be paid for from offline banking? (go to a bank branch and process payment from the teller)

   Yes, the teller in charge will process payments manually by depositing cash into the Virtual Account. However, this is a manual process, and is not recommended as the teller can make a mistake. Please be informed that the BCA VA cannot be paid from the teller.

4. Can Virtual Account be paid from an ATM?

   Yes, it is highly recommended to pay for a Virtual Account using the same bank (BNI VA uses a BNI ATM). Using a different bank ATM carries the risk of transactions being delayed / delay to receive due to being stuck on the interbank network.