Yes, we support disbursements (payouts) to virtual accounts of major banks, including BRI, BNI, Mandiri, CIMB Niaga, Permata, BTN, and NOBU Bank. We are continuously expanding this list—please let us know if there is a specific bank you would like us to support!

Important Note on Transaction Validation

By default, Xendit does not provide automatic account name validation for disbursement/payout transactions. This means that if you send funds to an incorrect Virtual Account number, the transaction may still be processed or fail only after reaching the destination bank.

To ensure the recipient's name matches the account number before you send the funds, you must integrate with our Name Validator product (Iluma).

• With Iluma: You can verify the account holder's name in real-time before executing the disbursement to prevent misdirected funds.

• Without Iluma: Transactions are sent as-is, and validation relies entirely on the destination bank's response.

What to expect after sending a disbursement

Once a disbursement is initiated, it follows the Payout Status Lifecycle. You can track these statuses via our dashboard or API:

• ACCEPTED: Your request has been received by Xendit.

• REQUESTED: The funds are being processed by the partner bank.

• SUCCEEDED: The funds have been successfully credited to the recipient's Virtual Account.

• FAILED: The payout could not be completed. Without Iluma validation, common reasons include INVALID_DESTINATION (incorrect VA number or other case with VA number).

• REVERSED: The transaction was initially successful but later returned by the destination bank (e.g., due to a restricted account).

Best Practices

• Use Iluma: Integrate with Iluma Name Validator to verify recipients and reduce failure rates.

• Webhooks: Subscribe to webhooks to get real-time updates on status changes from ACCEPTED to SUCCEEDED or FAILED.

For more details on managing your payout flow, please refer to our Payout Status Lifecycle documentation.