Important Notes and F.A.Q

Disbursement Limits

Notes:

• The Bank Account limit is applied per single disbursement request, if you need to disburse amounts above IDR 250 million, you can do repeated disbursements.
• Repeated transfers to the same Ewallet beneficiary account numbers might cause the transfer to that account being blocked temporarily by the Ewallet Providers
• Repeated transfers to the same Bank Account beneficiaries might be flagged as a concern from our Bank Partners and we might require you to provide an official explanation (usually via email) for those transfer activities. Usually the transfers are still successful, but in case you experience a blockage for certain beneficiaries, please inform Ayoconnect Team for assistance.
• Since Ewallet has balance limits depends on it is an Unverified Account (limit is Rp 2,000,000) or a verified Account (limit is Rp 20,000,000), your transfers to an ewallet account might fail due to your transfer amount exceeds your customers' balance limit.

Error List

IT Error Reasons

Notes:

• These error codes are only reasons of failure, not determining the transation status
• Always determine transaction status from the 'status' field from the Callback, not Response

Disbursement SLA

The typical SLA for your disbursed fund to be received in the beneficiary accounts is in average within 1 to 15 minutes (or at least for you to receive a Final Status for a disbursement).

However, it is important to know that there are possible delay with below reasons:

• Final status can only be provided once the receiving bank confirms the final status. Processing times may be affected by both scheduled and unexpected bank downtimes, or by unexpected/intermittent error between the processing Banks and the Beneficiary Banks.
• Delays may also occur due to the switching network or the recipient bank’s internal processing. If the recipient bank does not provide a final status, Ayoconnect will maintain the disbursement status as PENDING or PROCESSING until a final status is available.
• Status identification may require reconciliation on the next banking day, which could impact transfer completion time.
• PENDING statuses can persist up to 3 working days for most cases, however some special cases they can be resolved within up to 7 working days.
• Working Days here refers to the Banks' active working day (public holidays are suually not counted as the Banks' working day)

Bank or Ayoconnect Downtimes

Banks in Indonesia experience regular downtimes, which vary from bank to bank. If a bank is expected to be down for an extended period, Ayoconnect will inform you in advance to help manage expectations. This will be communicated by our team to the agreed common channel (most often is Whatsapp group) as soon as we receive an announcement from our Bank partners.

Ayoconnect also may plan some downtimes to improve our systems, and this will be communicated by our team at latest 24 hour prior the downtimes, except during an unexpected issue.