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+1means 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
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.
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