1. Instant withdrawals will be processed real time. In the account statement page, click on the withdraw button. Input the amount you want to withdraw and make sure it is less than or equal to IDR 50,000,000 as for instant withdrawal we only support for maximum IDR 50,000,000.
2. If you want to withdraw > IDR50,000,000 you should use manual top up instead.
3. The amount will be credited to your registered bank account.  
4. Note: Make sure your current balance is enough to cater the admin fee of IDR4,500 as well. For example, you want to withdraw IDR 50,000,000, make sure your current balance is minimum IDR50,004,500.

1. Click the 'Manual Top Up Confirmation' tab on the top-up menu.
2. Fill in the fields with the following information;  
3. Click 'Submit Now'.
4. You will receive a receipt of your transaction in your email, stating that your transaction is currently being processed.
5. You will receive an email confirming whether your top up is success or failed

Currently we support BJB, BSI, BCA, Mandiri, BRI, CIMB, Permata

Your manual top up transaction will process up to 2 hours in working days. You can regularly refresh your account statement page to make sure that your transaction has been successful. If your transaction has not been successful after > 2 hours in working days, please contact our representative.

1. In the account statement page, click on the withdraw button.
2. Input the amount you want to withdraw.
3. Confirm the withdrawal.
4. The amount will be credited to your registered bank account.

The Virtual Account number information can be found on 'How to Top Up Balance via VA' tab once you click the 'How To Top Up' button. If you choose to top up via VA, the topped up amount will be credited into your account real-time and you do not need to send any manual confirmation to OY

Currently we only provide VA BRI, VA Mandiri, VA Permata, and VA CIMB.

Yes. However, we only support notes for these 9 banks: BCA, BNI, BRI, BSI, CIMB, Danamon, Mandiri, OCBC, and Permata.

Please be aware that any unforeseen connectivity issues with these banks may prevent these notes from being reflected in the beneficiary's bank account statement by our failover system.

Yes. Funds received from VA Aggregator API, Payment Links, and Invoices will be automatically recorded in your OY! balance in real-time, allowing you to use these funds for money transfers.

As long as the bank account number is valid and not dormant, the transaction will still be executed. \n\nThe name and phone number are visible only to the partner and are used for the partner’s own documentation. The name and phone number listed are not used by OY! or sent to the recipient.

1. In the top up page, click on the “BCA Unique Code” tab.  
2. Input the amount you want to top up. Note : The minimum amount that we allow for this method is IDR10,000.  
3. OY! will display the amount you input PLUS three-dgits unique code generated by us. Transfer the exact nominal that appeared on the screen to the bank account stated on the page. Please make sure to use BCA bank account.  
4. After the transaction is successful, the ORIGINAL AMOUNT will be reflected in your balance.

Note :  The operational hour for this method is every day, from 3.01 AM to 8.30 PM. Outside those hours, this method will be closed.

As long as you transfer the correct amount to the correct OY! BCA Bank Account Number, your transaction will be processed for 2 minutes only.

You will have to refresh your Account Statement page. If your transaction is successful, it will be listed in your Account Statement.

Yes, but it's important to note that the success rate for transferring money to a VA account is relatively low.

Yes, we have adjusted the bank names, both in the OY! system and API documentation.

If you haven't received a callback, you can activate the 'Auto Retry Send Callback' feature by following the guidelines available on this page.

Currently, OY! cannot process transactions involving decimal digits. Attempting a transaction with decimal digits will lead to a failed transaction. For further details, please refer to the information provided on the following page.

E-wallet: Since each e-wallet provides a limit amount for each user can hold at a time, disbursements made to e-wallet accounts have their respective limits.  

Banks:

• Rp 500.000.000 for BCA, Mandiri, BNI, BSI, BRI, DBS, Permata, Danamon.  
• Rp 50.000.000 for other banks.  

If you need to disburse above this amount, please contact our business representative.

For E-wallet, the minimum amount is Rp 100. When transferring to banks, the minimum disbursement amount is Rp 10,000.

There are no daily limits of how many disbursement transactions can be created and executed. You can execute disbursement transactions as long as you still have the balance or deposit.

You can send up to 5 emails per transaction with a limit of 255 characters total. For each transaction, simply list out the email recipients separated by a whitespace.

We support transactions to 100+ banks in Indonesia. Please refer to the bank codes here when using our disbursement products.

You can refer to the following link to find out more about the methods and payment channels that can be used to make payments via Virtual Account.

To check all payments made to a specific VA number, you can hit the "Get List of Transaction VA" API endpoint. In the "data" parameter, you can find detailed information for each payment, including the payment identifier (id), transaction amount (amount), and settlement status (settlement_status).You can also differentiate each payment for the same VA number through callbacks. Each payment will have a unique identifier, which can be found in the `trx_id` parameter of the callback. You can refer to the following link for a more detailed explanation.

Yes, you can create a customized VA number with the customized suffix using the API Create Customized VA for VA BRI & CIMB. To activate this feature, you can contact our team for assistance.

Yes. Disbursements executed through our Disbursement API are all performed in real-time.

It's recommended to use a callback to receive the latest transaction status. As a backup to the callback, you can use the check status disbursement API.

By default, we set a limit of 200 TPM (Transactions per Minute) for all usernames using the Disbursement API. If you require a higher TPM value, please contact our business representative.

The bank maintenance schedule is a routine system maintenance performed by the bank. Banks often have regular maintenance schedules which differ from one bank to another, you can see on this page.  

These regular maintenance schedules prevent the execution of transactions to the respective recipient bank during the set period of time. To ensure your convenience, we will queue any transaction requests submitted during the maintenance hours and automatically disburse them once the maintenance is over.

There are several factors why E-Wallet transactions may not be paid:

1. For ShopeePay, OVO & LinkAja transactions, make sure you open the payment link on your mobile phone (not on Desktop), as these E-Wallet payments can only be made through the LinkAja/ShopeePay app (Jump App).  
2. Ensure that you have sufficient balance in your E-Wallet.  
3. Verify that your E-Wallet account is active and not blocked.  
4. If you continue to experience difficulties, please contact our team to assist you in resolving the payment issues.

Your customer will have to wait for the payment method they confirmed to expire first. After the payment method has expired, they can change it to another one. Here are the details of the expiration time for each payment method:  

1. Bank Transfer (VA & Unique Code): 3 hours  
2. E-Wallet: 55 seconds - 10 minutes  
3. QRIS: 30 minutes  
4. Credit/Debit Card: 1 hour

Once the current payment method has expired, they can select a new payment method for their payment.

If you want to accept payments using SPayLater, please contact us to apply for SPayLater. Once your application is approved by ShopeePay, you can create SPayLater transactions in the same way as ShopeePay payments through Payment Link, API Payment Routing, or API E-Wallet Aggregator. When your customers open the ShopeePay payment link, they can choose SPayLater as their payment method to complete the transaction.

Some payment methods in the Receive Money product are automatically available for use, such as VA (except for BCA VA). However, certain payment methods like BCA VA, E-Wallets, debit/credit cards, and QRIS require additional activation by filling out an application form.

You can complete the application form on the following page. If you are still facing difficulties, please contact our team to assist you in completing the payment method activation.

If your SPayLater application has been approved, then you should be able to accept payments using SPayLater. If this is happening, you can check the following:  

1. Ensure that your customers' SPayLater activation has been approved. If not, they may not be able to use SPayLater as a payment method.  
2. Verify that your customers' ShopeePay accounts are active and not blocked. If there are issues with their accounts, they will not be able to make payments.  
3. Check if your customers' SPayLater limit is sufficient for making payments. If the limit has been reached, they won't be able to use SPayLater until the limit is updated.  

If you or your customers need assistance with payments, please contact our team.

Yes, you can use the "Payment Routing" API solely for receiving money without making any money transfers. You can do this by leaving the `payment_routing` parameter empty.

`expiration_time` is the expiration time of the VA number itself, whereas `trx_expiration_time` is the expiration time of a specific VA transaction. The expiration time of the VA number (`expiration_time`) is at least the same as or longer than the expiration time of the VA transaction (`trx_expiration_time`).

Basically, there is no difference in the payment flow of these two VAs. However, if you want to customize the suffix of the VA according to your preferences, such as using a phone number or customer billing number, you can utilize the customized VA feature to personalize the VA number for BRI & CIMB.

Both parameters cannot be duplicated between transactions.

Yes, there's an option for you to decide when the funds are disbursed to the supplier.

Both of them can accept various payment methods from customers, such as e-wallets, bank transfers, or virtual accounts.

Due Date' is useful for reminding your customers about the deadline of the payment. Your customers will receive notifications one day before the due date (D-1), on the due date (D+0), and seven days after the due date (D+7). \nMeanwhile, the 'Payment Link Expiry' can be customized based on the preferred date and time. Once it exceeds the designated time, customers can't make payments through the Payment Link.

There is no daily limit for the number of invoices and transaction amounts in a day. However, the transaction amount limit will follow the minimum and maximum limits set by the bank.

Our system allows for only one email, but you can manually share the PDF invoice to the specific recipient.

No, you can choose to send the invoice either via email or through another communication method as a downloaded PDF.

The admin fee charged will follow the agreed-upon amount in the contract (PKS).

Waktu kedaluwarsa transaksi e-wallet berbeda tergantung e-wallet yang digunakan, berikut rinciannya:

1. LinkAja: 5 menit.
2. OVO: 55 detik.
3. ShopeePay: Anda dapat mengatur waktu kedaluwarsa antara 1 - 60 menit bila menggunakan Payment Routing (tanpa UI OY!) atau E-wallet Aggregator. Bila Anda menggunakan Link Pembayaran, maka waktu kedaluwarsa adalah 10 menit sejak pelanggan mengonfirmasi metode pembayaran.
4. DANA: Anda dapat mengatur waktu kedaluwarsa antara 1 - 60 menit bila menggunakan Payment Routing (tanpa UI OY!) atau E-wallet Aggregator. Bila Anda menggunakan Link Pembayaran, maka waktu kedaluwarsa adalah 10 menit sejak pelanggan mengonfirmasi metode pembayaran.

Anda juga dapat merujuk ke halaman berikut untuk penjelasan lebih detail.

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Don't worry, you can still use our Payment Link & VA Aggregator product through the OY! Dashboard. You can receive payments from your customers without the need for API integration.  

You can learn more about Payment Link & VA through the following linkor by contacting our team.

Our system will send callbacks in two conditions. First, when the payment is successfully confirmed from OY!'s side. Second, when the process of settling the transaction to your OY! balance is successfully completed.

There is a possibility that there was a failure on the switching side for that transaction, which could result in the payment status not being updated to successful, and the RRN code not being received by OY!. Please contact us for further assistance in checking this issue.

You can check the transaction status on the OY! Dashboard to see if the transaction has been marked as “SUCCESS”. If the transaction status on the OY! Dashboard is "SUCCESS," and you still didn't receive the callback, you can resend the callback by clicking the "Send Callback" button under the "Action" column.  

Alternatively, you can also check the transaction status through the API by making an API Check Status request. If you want to resend the callback, you can fill the "send_callback" parameter with "TRUE." An example of the API Check Status for the Payment Link product can be found on the following page. OY! will resend the callback for the transaction if the transaction status is successful from the OY! side.  

However, if your customers have successfully made the payment, but the transaction status is not showing as successful, you can contact our team for further review and assistance.

Make sure that the type of product you are using matches the one you used when creating the transaction. If you created the transaction using the [API Create Payment Link, then you should check the transaction status via the API Payment Status in Fund Acceptance. However, if you created the transaction using the API Create Payment Routing, then you should check the transaction status via the API Check Status Payment Routing Transaction.

You can pay the bill in Indonesian Rupiah, U.S. Dollars, and Singapore Dollars.

We offer help through the 'Autofill' feature to complete your invoice. Within 1 business day of document upload, we'll fill in the invoice details for you.

Yes, you can customize the installment plan according to your preference.

Utilizing this feature requires approval from individuals assigned by your company, ensuring that an approver reviews all your transactions.

Employees can check the reimbursement status through the email sent to them after submitting a reimbursement request.

Employees can also check the reimbursement status through the reimbursement requests list on the employees reimbursement portal page.

The funds will be transferred to the employee's account according to the schedule set by the dashboard admin, ranging from 1 to 14 days.

Any online platform accepting card for payment method allows the Virtual Card for transactions.

Immediately initiate card blocking via the dashboard, which will be processed in real-time.

Yes, you can manage your card limit using the OY! dashboard.

Currently, only one Approver is required.

You don't need a minimum balance to create a Virtual Card.

Yes, once your transaction is done, its details will be shown on the dashboard.

All three of these products require API integration. With VA Aggregator, you can only process Receive Money transactions through Virtual Accounts (VAs). Similarly, with E-Wallet Aggregator, you can only process Receive Money transactions through E-Wallets. On the other hand, Payment Routing offers more payment options, including bank transfers, E-Wallets (except for OVO), QRIS, and debit/credit cards.

Additionally, you can add a money transfer feature after receiving payments. Due to these two reasons, it is highly recommended to integrate Payment Routing. However, if you need specific features not available in Payment Routing, such as open amounts for VA or the OVO E-Wallet, then it is recommended to use VA Aggregator or E-Wallet Aggregator.

Yes, you can use our Payment Routing product. With a single integration, you can easily process transactions with all the payment methods supported by OY! (such as Bank Transfer, E-wallet, QRIS, debit/credit cards). This will provide convenience for your customers and minimize integration efforts on your end.

In terms of features, there are no differences; however, Physical Cards support offline transactions, unlike Virtual Cards. The creation of Virtual Cards also requires an approval process since cards can be created instantly.

It will take 10-14 business days for the card to be made and delivered.

Yes, there is a minimum balance requirement. You can create a Physical Card with a minimum balance of IDR 5,000,000.

Yes, that can be done within a 1x24-hour process.

Yes, your transactions will appear in your dashboard within 2x24 hours.

Reimbursement is a process when the company pays back an employee for money spent out of their pocket to cover company expenses.

You can fill in the link sent by your finance team or manager. Open the link and fill out the provided form, and attach the payment receipts. Then, submit the form. You can find detailed instructions here.

If you are the manager, you can find detailed instructions here.  

If you are a finance team, you can either cancel the transaction or schedule payment once the manager approves.

Employees can cancel a reimbursement request if the manager on the employee reimbursement portal hasn't processed it. If it has already passed this step, then cancellation can only be done by the dashboard admin.

Payments for reimbursements are scheduled through the dashboard admin, as long as there are sufficient funds.

The benefits of using a Cash Deposit Machine include:  

1. Convenient and time-saving way to deposit cash without waiting in line at the bank.  
2. 24/7 availability, allowing you to deposit cash at any time.  
3. Instant credit to your bank account, ensuring your funds are available immediately.  
4. Secure and confidential transactions, as the machines use advanced security measures.

Deposit limits for Cash Deposit Machines vary depending on specific needs and machines. Currently the minimum deposit we set is Rp12.000 and the maximum deposit set according to the policy in the agreement.

Yes, Cash Deposit Machines are designed with security features to ensure the safety of your transactions. They use encryption technology, have surveillance systems, and follow strict security protocols to protect your deposited cash and personal information.

Cash Deposit Machines are primarily designed to deposit banknotes. We do not currently provide a service to accept coins but will update when we are able to process coins.

The CDM machine can only be used to deposit cash, so you cannot withdraw cash through the CDM machine.

Yes, Cash Deposit Machines usually provide a receipt for your cash deposit transaction. The receipt includes details such as the deposited amount, date, time, and reference number. It's advisable to keep the receipt for your records and reference.

The CDM machine is only connected to bank accounts registered in the machine, so if you want to deposit money into someone else's account, you need to register that person's account with OY!.

Yes, you typically need to have a valid bank account because the QR or card is linked to your account, and the deposited cash is credited to that account. If you don't have a bank account, you may need to open one before using the machine.

The previous shift flow combines the bank pooling and disbursement processes, while the new shift flow separates the processes of the old bank pooling and the new bank pooling.

For the shift scheduler, it runs every 15 minutes, while for the non-shift scheduler, it runs every 2 minutes.

You can use the Physical Card for both online and offline transactions.

Currently, your merchant ID cannot be changed because the merchant ID is data used to identify the client.

There is no limit of user number.

Only people with Admin roles can create a new user.

The benefit is you do not have to record your OY! transaction to an accounting app manually. After a transaction is successful, it will automatically be recorded to your accounting app account.

1. Go to More Features >> Accounting. Then, select “connect” to one accounting app.  
2. For steps on how to connect each app, please refer to our product docs:  
   • Product docs Xero.  
   • Product docs Accurate.
   • Product docs Jurnal

Cash Deposit Machine (CDM) is a self-service banking machine that allows you to deposit cash into bank accounts without the need for human assistance. It provides a convenient and secure way to deposit cash directly into your account.

Cash Deposit Machines work by accepting cash deposits from you. You simply scan your QR code or card, follow the on-screen instructions, and deposit the cash into the machine. The machine verifies the authenticity of the cash and credits the deposited amount to your bank account.

In case of any issues with your deposit, such as a discrepancy in the deposited amount or a machine error, you should immediately contact our customer service. They will assist you in resolving the issue and ensuring that your deposit is properly credited to your account.

Cash Deposit Machines typically accept various denominations of banknotes, such as Rp2.000, Rp5.000, Rp10.000, Rp20.000, Rp50.000, and Rp100.000. However, the specific denominations accepted may vary depending on the machine. It's advisable to check the machine's instructions or contact our team for details.

2 factor authentication (2FA) is a system of authenticators designed to maintain the security of your OY! account and prevent unauthorized access by others.