Instant Transfers (v2)
Instant Transfer is a solution of Fund Transfer / Disbursement service designed for businesses of all sizes, from large enterprises to small-scale operations, particularly those with fund disbursement needs.
This product provides seamless integration via API and also offers a user-friendly dashboard for direct fund disbursements.
The API suite enables secure disbursements to beneficiaries’ bank accounts or ewallets using the same API.
Supported Disbursement Accounts & Limits
| Recipient Accounts | Minimum Amount (IDR) | Maximum Amount (IDR) |
|---|---|---|
| Supported Bank Accounts | Rp 10,000 | Rp 250,000,000 |
| Gopay | Rp 15,000 | Rp 20,000,000 |
| OVO | Rp 15,000 | Rp 20,000,000 |
| Shopeepay | Rp 15,000 | Rp 20,000,000 |
| DANA | Rp 15,000 | Rp 20,000,000 |
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.
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 confirmed after the beneficiary bank confirms the final status. Processing time may be impacted by scheduled maintenance, unexpected downtime, or intermittent connectivity issues between the issuing bank and the beneficiary bank.
- Delays may also occur due to the switching network or the beneficiary bank’s internal processing. If the beneficiary bank has not yet returned a final status, Ayoconnect will keep the transaction status in PENDING or PROCESSING until the final status is received.
- In some cases, final status determination requires reconciliation on the next banking day, which can extend the overall processing time.
- PENDING statuses may persist for up to 32 hours or 2 banking days in some cases. These situations are typically caused by issues on the beneficiary bank’s side and require reconciliation by our bank partners. In exceptional cases, resolution may take up to 3 banking days.
Note: Banking days refer to active bank working days. Public holidays and non-working days are generally excluded.
Bank or Ayoconnect Maintenances/Downtimes
Banks in Indonesia regularly perform scheduled maintenance or may experience downtime, and the timing can vary across banks. If a bank is expected to be unavailable for a certain period, Ayoconnect will notify merchants in advance to help manage operational and customer expectations. Notifications will be shared through the communication channel (most commonly a WhatsApp group) as soon as official information is received from our bank partners.
Ayoconnect may also schedule maintenance to improve system reliability and performance. For planned maintenance, notifications will be provided at least 24 hours in advance. In the event of unexpected issues, updates will be communicated as soon as possible.
Updated 5 days ago