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Payment Guide

Overview

Xendit’s Virtual Accounts can help you to accept payment in IDR and USD currecies through intrabank/same bank and interbank transfers. Below is the table to summarize each bank’s capability following the transfer methods, payment channels, and interbank payment availability.

IDR Virtual Accounts

Bank Name
Available Transfer Methods
Available Payment Channels
Interbank Payment SupportNote
BCA1. Intrabank/same bank
2. RTOL
1. Mobile banking
2. Internet banking
3. ATM
4. Teller
Supported with conditionTeller payment from BCA branch is only available for the switcher model.
Interbank payment to BCA VA is only available for the switcher model.
BJB1. Intrabank/same bank
2. RTOL
3. BI-RTGS
4. SKN-BI
1. Mobile banking
2. Internet banking
3. ATM
4. Teller
Supported
BNI1. Intrabank/same bank
2. RTOL
3. BI-RTGS
4. SKN-BI
1. Mobile banking
2. Internet banking
3. ATM
4. Teller
Supported
BRI1. Intrabank/same bank
2. RTOL
3. BI-RTGS
4. SKN-BI
5. BI-Fast
1. Mobile banking
2. Internet banking
3. ATM
4. Teller
SupportedInternet banking payment to BRI VA is only available using BRI CMS for corporate account (https://ibank.bri.co.id/cms/Logon.aspx)
BSI1. Intrabank/same bank
2. RTOL
3. BI-RTGS
4. SKN-BI
1. Mobile banking
2. Internet banking
3. ATM
4. Teller
Supported
BSS1. Intrabank/same bank
2. RTOL
3. BI-RTGS
4. SKN-BI
5. BI-Fast
1. Mobile banking
2. Internet banking
3. ATM
4. Teller
Supported
CIMB1. Intrabank/same bank
2. RTOL
1. Mobile banking
2. Internet banking
3. ATM
4. Teller
SupportedInterbank payment to CIMB VA is only available using RTOL, payment through BI-RTGS and SKN-BI cannot be done.
Mandiri1. Intrabank/same bank
2. RTOL
3. BI-RTGS
4. SKN-BI
1. Mobile banking
2. Internet banking
3. ATM
4. Teller
Supported
Permata1. Intrabank/same bank
2. RTOL
3. BI-RTGS
4. SKN-BI
1. Mobile banking
2. Internet banking
3. ATM
4. Teller
Supported

USD Virtual Accounts

Bank NameAvailable Transfer MethodsAvailable Payment ChannelsInterbank Payment SupportNote
DBS (USD)1.Intrabank/same bank
2. Telegraphic Transfer
1. Mobile banking
2. Internet banking
SupportedPayment can only be made from an overseas bank account.

Note:

  • RTOL: Stands for Real-Time Online, an interbank IDR transfer method operated by private switching companies such as Bersama, PRIMA, and Link.
  • SKN- BI: Stands for Sistem Kliring Nasional Bank Indonesia, an interbank IDR transfer method operated by the Indonesian Central Bank (BI).
  • BI-RTGS: Stands for Bank Indonesia Real-Time Gross Settlement, an interbank IDR transfer method operated by the Indonesian Central Bank (BI). Typically used to process a high amount of transactions above IDR 100 Million.

Although your payers 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 payers 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 payers to select the BNI Virtual Account.

info

VA payment through BI-Fast method can only be done to BSS VA

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.

Xendit Virtual Account How to Pay

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.

Payment Amount Limit

The table below shows you the minimum and maximum payment that the Virtual Account can accept. Please note that payment channels such as ATM and Mobile Banking may have a lower maximum amount and will be subject to the payer's bank’s policy as well as the bank account type (whether it’s basic, premium, etc).

Bank NameSame Bank LimitInterbank LimitNote
BCAIDR 10,000 - 50,000,000IDR 10,000 - 50,000,000Max limit is default from the bank, you can request to increase the limit if you have a valid business use case, subject to the bank’s approval.
BJBIDR 1 - 2,000,000,000IDR 1 - 2,000,000,000
BNIIDR 1 - 50,000,000,000IDR 1 - 50,000,000,000
BRIIDR 1 - 50,000,000,000IDR 1 - 50,000,000,000BRI VA open type with merchant code 26215, 13281, and 13405 will have a maximum payment of IDR 10,000,000 per transaction.
BSIIDR 1 - 50,000,000,000IDR 1 - 50,000,000,000
BSSIDR 1 - 50,000,000,000IDR 1 - 50,000,000,000
CIMBIDR 1 - 50,000,000,000IDR 1 - 50,000,000
DBSUSD 1.00 - USD 5,000,000.00USD 1.00 - USD 5,000,000.00
MandiriIDR 1 - 50,000,000,000IDR 1 - 50,000,000,000Maximum payment amount via ATM is IDR 10,000,000/transaction and via Mobile Banking (Livin by Mandiri) is IDR 30,000,000/day/user.
PermataIDR 1 - 9,999,999,999IDR 1 - 9,999,999,999

SKN-BI, BI-RTGS, and Telegraphic Transfer Payment

Virtual Account payment through SKN-BI, BI-RTGS (via teller or internet banking), and telegraphic transfer, the payers will be required to fill in the destination name (VA name) as well as the beneficiary address (in this case, Xendit) in the payment process. The name needs to be matched with prefix rules from the bank otherwise the payment will be rejected. These two tables below will summarize the VA prefix and bank branch details that the payers can use.

VA Name Prefix

BankPrefixNeed to include the prefix in the payment?Example with VA name → Ismail Rabbanii
BCA, BSI, BJB, BSS, and DBSNo prefixNo prefixNo prefix
BRIBRIVANo prefixIsmail Rabbanii
BNIXDT-YesXDT-Ismail Rabbanii
CIMB, Mandiri and PermataXenditYesXendit Ismail Rabbanii

Note:

  • For BNI Fixed VA, the VA creation callback already included the prefix.

Bank Branch Details

BankAddress
BCAKC Kebayoran Baru
Jl. Melawai No.109, Kramat Pela, Kby. Baru, Kota Jakarta Selatan, 12130
BNIKCP Tempo Scan Tower
Gedung Tempo scan tower, Lantai dasar Jl, HR Rasuna Said Kav 3-4 Jakarta Selatan
BJBKebayoran Baru
Jl. Melawai Raya No.189, Kramat Pela, Kby. Baru, Kota Jakarta Selatan, 12130
BRIKC Mal Ambasador
Mall Ambasador Lantai Dasar No. 49-51, Jalan Prof. DR. Satrio, RT.11/RW.4, Kuningan, Karet Kuningan, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12940
BSIMenara Bidakara
Gedung Menara Bidakara I LT.LL, JL.Gatot Subroto Kav.71-73 Pancoran Jaksel
BSSSampoerna Strategic Square
Sampoerna Strategic Square, North Tower, Mezzanine Floor, JL. Jend. Sudirman, Kav. 45, RT.3/RW.4, Karet Semanggi, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12930
CIMBKC Jakarta
Graha Niaga, Jl. Jenderal Sudirman No.Kav 58, RT.5/RW.3, Senayan, Kec. Kby. Baru, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta
DBSCapital Place
Jalan Jend. Gatot Subroto Kav 18, Kuningan Barat, Mampang Prapatan, RT.6/RW.1, Kuningan Bar., Mampang Prpt., Kota Jakarta Selatan, DKI Jakarta 12710, Indonesia
MandiriWoltermonginsidi
Jl. Wolter Monginsidi No. 57, Kebayoran Baru, Jakarta Selatan, DKI Jakarta, Indonesia 12180

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 payers 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 for BCA VA, teller payment can only be done in switcher model.

  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 to receive due to being stuck on the interbank network.

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