Indonesian Merchant
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.
| Destination Bank | Amount (IDR) | Request Timestamp (UTC+7) | ETA |
|---|---|---|---|
| BCA | <10,000 or >100,000,000 | 07:00 - 19:59 | 15 minutes |
| BCA | <10,000 or >100,000,000 | 20:00 - 06:59 | After 7am |
| Mandiri, BRI | All | 04:00 - 22:59 | 15 minutes |
| Mandiri, BRI | All | 23:00 - 03:59 | After 4am |
| BNI | All | 02:00 - 22:59 | 15 minutes |
| BNI | All | 23:00 - 01:59 | After 2am |
| Bank Sahabat Sampoerna | <1,000,000,000 | 03:00 - 22:59 | 15 minutes |
| Bank Sahabat Sampoerna | <1,000,000,000 | 23:00 - 02:59 | After 3am |
| Permata | All | 01:00 - 22:59 | 15 minutes |
| Permata | All | 23:00 - 00:59 | After 1am |
| CIMB | >100,000,000 | 09:00 - 20:59 | 15 minutes |
| CIMB | >100,000,000 | 21:00 - 08:59 | After 9am |
| SINARMAS | >100,000,000 | 09:00 - 13:59 | 2 Hours |
| SINARMAS | >100,000,000 | 14:00 - 08:59 | After 9am |
| BCA, CIMB, Sinarmas | ≥10,000 or ≤100,000,000 | 05:00 - 22:59 | 15 minutes |
| BCA, CIMB, Sinarmas | ≥10,000 or ≤100,000,000 | 23:00 - 04:59 | After 5am |
| Other banks and e-wallets | ≤100,000,000 | 05:00 - 22:59 | 15 minutes |
| Other banks and e-wallets | ≤100,000,000 | 23:00 - 04:59 | After 5am |
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.
Withdrawal Fee
All businesses can send funds from their Xendit Balance to their chosen destination bank account through Withdrawal. It can be done anytime in the Xendit dashboard and is free of charge. You must register your bank account first within the dashboard and withdraw either on-demand or on a recurring basis.
Note: Withdrawals can only be done through bank accounts. Other accounts such as e-wallets cannot be used as withdrawal destination.
Philippines Merchant
Withdrawal Limits
For PH customers, please note that due to compliance regulations, you are only able to withdraw up to PHP 100,000 within 30 days. Should you reach this limit, any withdrawals (either via dashboard or auto withdrawal) will not proceed until the 30 days has lapsed. Note: This limit would only apply to individuals and not businesses. There are different rails used in processing withdrawals to Philippine banks. Depending on the rail used, there are limits on the amount per transaction.
| Channel | Minimum Amount (PHP) | Maximum Amount (PHP) |
|---|---|---|
| BPI Direct BanKo Inc. Binangonan Rural Bank CARD Bank ISLA Bank Omnipay, Inc. Partner Rural Bank (Cotabato) Inc. Quezon Capital Rural Bank, Inc. Rural Bank of Guinobatan, Inc. Sun Savings Bank UCPB Savings Bank |
1 | 50,000 |
| Other banks | 1 | 200,000,000 |
*Note that we don’t allow withdrawals to PH e-wallets at this point
Processing Time
Most Withdrawals are processed instantly. While some are subject to a cut-off. Once you create withdrawals successfully, the withdrawal amount will move from your cash balance to your ‘pending’ balance. When the withdrawals is successfully executed, we will send you a callback with status =COMPLETEDorSUCCEEDEDand the disbursement amount will be deducted from your ‘pending’ balance.
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.
| Amount | Settlement | Status update and withdrawal notification receipt |
|---|---|---|
| 1-50,000 | 15 mins | 15 mins |
| >50,000 - 200,000,000 | T+0 at EOD if withdrawn within 6:00am to 3:00pm T+1 at EOD if withdrawn outside 6:00am to 3:00pm |
T+1 if withdrawn within 6:00am to 3:00pm T+2 if withdrawn outside 6:00am to 3:00pm |
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 banks 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.