Bulk Upload File Format

Bulk Upload feature allows merchants to submit multiple disbursement instructions using a single file.

Before uploading, merchants must prepare the beneficiary information using the provided template.

Required File Structure

The upload file must contain the following columns:

Column	Required	Description
Beneficiary Bank Code	Yes	Bank code identifying the recipient's bank, e.g. `JAGBIDJA`.
Beneficiary Account Number	Yes	Recipient's bank account number. Must be entered as text to preserve leading zeros.
Mobile Number	Yes	Recipient's mobile number, containing 9-13 digits.
Amount	Yes	Transfer amount in IDR, entered as a whole number without currency symbols or separators.
Transfer Notes	No	Optional description or reference for the transfer.
Additional Info 1	No	Optional additional transaction information.
Additional Info 2	No	Optional additional transaction information.
Additional Info 3	No	Optional additional transaction information.

Example Filled Template

Beneficiary Bank Code	Beneficiary Account Number	Mobile Number	Amount	Transfer Notes	Additional Info 1	Additional Info 2	Additional Info 3
JAGBIDJA	001234567890	628123456789	10000000	Transfer to user

The account and mobile numbers above are illustrative only.

Important Formatting Guidelines

1. Beneficiary Account Number

Always format the Beneficiary Account Number column as Plain Text or Text before entering account numbers.

This is important because spreadsheet applications may automatically remove leading zeros or convert long account numbers into scientific notation.

For example:

Correct	Incorrect
`001234567890`	`1234567890`
`000987654321`	`987654321`

How to preserve leading zeros:

Google Sheets: Select the column → Format → Number → Plain text.
Microsoft Excel: Select the column → Format Cells → Text.
Alternatively, when entering an individual value in Excel or Google Sheets, prefix it with an apostrophe, for example '001234567890. The apostrophe is used to preserve the text value.

Important: Do not add an apostrophe as part of the actual account number when preparing a CSV file. If zeros have already been removed or digits altered, retrieve the original account number and re-enter it as text.

2. Mobile Number

The Mobile Number field is mandatory and must contain 9–13 digits.

Use numbers only, without spaces, hyphens, or a + symbol.
Example: 628123456789.
If the recipient's number is unavailable, use a designated placeholder number only where permitted by your Ayoconnect setup and where the number is not needed for customer notifications or identification.

3. Transfer Amount

Enter the transfer amount in IDR without currency symbols, decimal separators, or thousand separators.

Correct	Incorrect
`100000000`	`Rp 100.000.000`
`150000`	`150,000`

Transfer amounts must also comply with the applicable transaction limits and available balance.

4. Optional Fields

The following fields are optional:

Transfer Notes
Additional Info 1
Additional Info 2
Additional Info 3

These fields may be left blank if they are not needed.

However, merchants should keep the column headers and order unchanged, even when optional fields are empty.

Before Uploading

Make sure that:

All mandatory fields are completed.
Beneficiary account numbers are stored as text.
Mobile numbers contain 9-13 digits.
Transfer amounts use the correct numeric format.
Bank codes are valid and supported.
Column names and order match the provided template.
The file uses the supported upload format and contains no unintended changes to the template structure.

Once the file is ready, upload it through the Bulk Transfer feature on the Ayoconnect Merchant Dashboard.

Important: Successfully uploading a file does not mean the transactions have been processed. Transfers must complete the required validation and approval process before execution.