Payment Channels

This table summarizes payment channels available in Finpay Payment Gateway.

Processing time and limits can vary by bank, transfer method, and your merchant configuration. Contact Finpay if you need confirmation for a specific use case.

Definitions

• Processing time: How fast a payment becomes paid/confirmed in the system.

• Settlement time: When funds are settled to your bank account(for example, T+1).

• T: The transaction day (working day). Example: T+1 means the working day after the transaction.

• On-us: Payer uses the same bank as the VA bank.

• Off-us: Payer uses a different bank (interbank transfer).

Payment Channel Settlement & Limit Summary

Type	Channel	Processing Time	Settlement Time	Transaction Limit
QR Payment	QRIS	Instant	T+0 & T+1	- Min: Rp 1 - Max: Rp 10.000.000
Virtual Account (VA)	BCA	Instant	T+1	On Us - Min: - - Max: - Off Us - Min: Rp 10.000 - Max: Rp 50.000.000
Virtual Account (VA)	BRI	Instant	T+1	On Us - Min: Rp 1 - Max: Rp 9.999.999 Off Us - Min: Rp 1 - Max: Rp 9.999.999
Virtual Account (VA)	BNI	Instant	T+1	On Us - Min: Rp 1 - Max: Rp 50.000.000 Off Us - Min: Rp 1 - Max: Rp 50.000.000
Virtual Account (VA)	BSI	Instant	T+1	On Us - Min: Rp 1 - Max: Rp 50.000.000.000 Off Us - Min: Rp 1 - Max: Rp 50.000.000.000
Virtual Account (VA)	Mandiri	Instant	T+1	No limitation
Virtual Account (VA)	BTN	Instant	T+1	On Us - Min: Rp 10.000 - Max: - Off Us - Min: Rp 10.000 - Max: -
Virtual Account (VA)	Permata	Instant	T+1	On Us - Min: Rp 10.000 - Max: Rp 9.999.999.999 Off Us - Min: Rp 10.000 - Max: Following the sender bank limitation
Virtual Account (VA)	Maybank	Instant	T+1	On Us - Min: - - Max: Rp 9.999.999.999 Off Us - Min: - - Max: Rp 9.999.999.999
Virtual Account (VA)	OCBC	Instant	T+1	On Us - Min: - - Max: Rp 9.999.999.999 Off Us - Min: - - Max: Rp 9.999.999.999
Virtual Account (VA)	Muamalat	Instant	T+1	On Us - Min: Rp 10.000 - Max: Rp 9.999.999.999 Off Us - Following sender transfer method limitation
Virtual Account (VA)	Nagari	Instant	T+1	On Us - Min: - - Max: Rp 9.999.999.999 Off Us - Min: - - Max: Rp 9.999.999.999
Virtual Account (VA)	Bank DKI	Instant	T+1	On Us - Min: - - Max: Rp 9.999.999.999 Off Us - Min: - - Max: Rp 9.999.999.999
Virtual Account (VA)	BJB	Instant	T+1	No limitation
Virtual Account (VA)	Bank Neo Commerce (BNC)	Instant	T+1	No limitation
Virtual Account (VA)	BPD Jatim (Jawa Timur)	Instant	T+1	No limitation
Virtual Account (VA)	Mega	Instant	T+1	No limitation
e-Money	Finpay Money	Instant	T+1	Following BI regulations
e-Money	ShopeePay	Instant	T+1	Following BI regulations
e-Money	OVO	Instant	T+1	Following BI regulations
e-Money	DANA	Instant	T+1	Following BI regulations
e-Money	LinkAja	Instant	T+1	Following BI regulations
e-Money	Virgo	Instant	T+1	Following BI regulations
Retail Outlet (Finpay Payment Code)	Indomaret, Alfamart, Pegadaian, ATM	Instant	T+1	No limitation
Paylater	Indodana	Instant	T+1	No limitation
Paylater	Kredivo	Instant	T+1	Basic Account: Rp 3.000.000
Paylater	Shopeepay Later	Instant	T+1	-
Cards	Contact us for more details	Instant	T+1 - T+4	No limitation

Channel details

For channel-specific behavior (expiry, payer experience, etc.), check Payment Channel Details documentation.