Cross-border payments through one API and one portal
Send payouts, collect funds and reconcile across corridors, with the controls a regulated institution expects.
API
Integrate payouts and collections directly into your systems. Our API follows Bank Indonesia's SNAP (Standar Nasional Open API Pembayaran) conventions.
- SNAP-style B2B authentication and signed requests
- Account inquiry before you pay out
- Domestic interbank transfer and virtual accounts
- Sandbox with simulators and Postman collections
Web portal
Start without integration. Your finance team creates and approves payments, tracks status and downloads reports in the browser.
- Partner activation and user management
- Transaction dashboard and status tracking
- Reports for reconciliation
- Support in Bahasa Indonesia and English
One operating layer for cross-border flows
Payout
Pay beneficiaries in our corridors and in Indonesia, with account validation before funds move.
Collection
Receive funds through virtual accounts, matched automatically to the payer.
FX
Quoted conversion for corridor payments, agreed before you commit.
Settlement & reconciliation
Clear settlement records and reports your operations team can reconcile against.
Compliance built in
Due diligence, monitoring and reporting handled within our licensed framework.
Integration support
A technical team that works with yours from sandbox to go-live.
Corridors
15 payout currencies across Indonesia, Asia, Europe, the UK, the US and Australia, plus USD via SWIFT to any country.
See corridor detailsLicensed by Bank Indonesia
PJP licence No. 26/369/Cn/B/14-001, dated 22 April 2024, category 2.
Licensing & complianceCorridor details
Payout methods, processing times, cut-offs and limits by destination.
| Destination | Currency | Payout method | Use case | Processing time & cut-off | Transaction limit | Notes |
|---|---|---|---|---|---|---|
| Indonesia (domestic) | ||||||
| Indonesia | IDR | Bank transfer: BI-FAST | All types | Real time | Up to IDR 250,000,000 | All banks |
| Indonesia | IDR | Bank transfer: online (RTOL) | All types | Real time | IDR 100,000,000 | All banks |
| Indonesia | IDR | Bank transfer: SKN | All types | Same day, cut-off 14:30 local time | IDR 500,000,000 | All banks |
| Indonesia | IDR | Bank transfer: RTGS | B2B, B2C | Same day, cut-off 14:30 local time | Unlimited | All banks |
| Indonesia | IDR | E-wallet | B2C, C2C | Real time | IDR 20,000,000 | GoPay, OVO, DANA, ShopeePay, LinkAja |
| Indonesia | IDR | Virtual account (IDR collection) | Collection (payin) | Same-day settlement | On request | 6 major Indonesian banks; local IDR rails, no FX conversion |
| Asia | ||||||
| China | CNY | Bank transfer | C2C | Real time | Annual CNY 500,000; daily CNY 50,000; max. 3 transactions per day and 5 per month | – |
| China | CNY | Alipay | C2C | Real time | Annual CNY 500,000; daily CNY 50,000; max. 3 transactions per day and 5 per month | – |
| China | CNY | Bank transfer | B2B, C2C | Same day | CNY 1,000,000 per transaction; no annual limit | – |
| China | USD | Bank transfer | B2B | T+1 | No limit | – |
| Hong Kong | HKD | Bank transfer | All types | Real time 24x7 up to 1 million via FPS (FPS-supporting banks); real time via CHATS, cut-off 15:30 local time | No limit | – |
| India | INR | Bank transfer | All types | Real time for selected banks | On request | – |
| Japan | JPY | Bank transfer | All types | Real time | JPY 50,000,000 | – |
| Malaysia | MYR | Bank transfer | All types | Real time | MYR 10,000,000 (MYR 10,000 for loan and non-resident accounts) | – |
| Philippines | PHP | Bank transfer, e-wallet | All types | Real time 24x7 up to PHP 50,000 via InstaPay; same day via PESONet, cut-off 14:00 local time | No limit | – |
| Singapore | SGD | Bank transfer | All types | Real time 24x7 up to SGD 200,000 via FAST (FAST-enabled banks); next day via GIRO (all banks), cut-off 13:30 | No limit | – |
| South Korea | KRW | Bank transfer | All types | 24x7. First payment to a new beneficiary needs a one-time online beneficiary KYC (ID submission), then real time. Above KRW 7,000,000 paid same day (cut-off 18:00 GMT+9) | B2B/B2C/P2B: no limit; C2C: USD 5,000 | – |
| Thailand | THB | Bank transfer | All types | Real time | THB 499,999 to 8 major banks; THB 2,000,000 to Kasikorn Bank and CIMB; THB 10 million per customer per day | Bangkok Bank, Krungsri, Kiatnakin, Krungthai, Siam Commercial Bank, CIMB, Kasikorn Bank, Government Savings Bank |
| Thailand | THB | Bank transfer: BAHTNET | All types | T+1/2 | No limit | All banks |
| Vietnam | VND | Bank transfer | B2C, C2C | Up to VND 500,000,000: real time 24x7 to 30+ major banks. Above that: same day via CITAD (supported banks), cut-off 15:30 local time (08:30 UTC) | VND 499,999,999 | – |
| Rest of the world | ||||||
| Australia | AUD | Bank transfer | All types | Same day / T+1 | No limit | – |
| Europe (SEPA) | EUR | Bank transfer | All types | Real time | No limit | – |
| United Kingdom | GBP | Bank transfer | All types | Real time | GBP 1,000,000 | – |
| United States | USD | Bank transfer | All types | Same-day credit, cut-off 15:15 EST | USD 9,999,999 | – |
| USD via SWIFT (any country) | USD | Bank transfer: SWIFT | B2B, B2C, C2B | T+1/2 | USD 1,000,000 | Full amount only |
| Middle East (upcoming) | ||||||
| Saudi Arabia | SAR | To be announced | To be announced | Coming Q1 2027 | Coming Q1 2027 | – |
Use case: B2B business to business, B2C business to consumer, C2B consumer to business, C2C consumer to consumer, P2B person to business. T+1 = next business day. Cut-off times are local to the destination unless stated. Limits and availability depend on use case and onboarding; pricing is shared on request.
Ask about a corridorPlan your Indonesia corridor with us
Tell us about your flows, volumes and timelines. We will walk you through onboarding, integration and pricing.
Or email our sales team at [email protected]