# Payment Channels

This table summarizes payment channels available in Finpay Payment Gateway.

{% hint style="info" %}
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.
{% endhint %}

### 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

<table data-full-width="true"><thead><tr><th>Type</th><th>Channel</th><th width="163">Processing Time</th><th>Settlement Time</th><th>Transaction Limit</th><th data-hidden>Features</th></tr></thead><tbody><tr><td>QR Payment</td><td>QRIS</td><td>Instant</td><td>T+0 &#x26; T+1</td><td>- Min: Rp 1<br>- Max: Rp 10.000.000</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>BCA</td><td>Instant</td><td>T+1</td><td><strong>On Us</strong><br>- Min: -<br>- Max: -<br><strong>Off Us</strong><br>- Min: Rp 10.000<br>- Max: Rp 50.000.000</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>BRI</td><td>Instant</td><td>T+1</td><td><strong>On Us</strong><br>- Min: Rp 1<br>- Max: Rp 9.999.999<br><strong>Off Us</strong><br>- Min: Rp 1<br>- Max: Rp 9.999.999</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>BNI</td><td>Instant</td><td>T+1</td><td><strong>On Us</strong><br>- Min: Rp 1<br>- Max: Rp 50.000.000<br><strong>Off Us</strong><br>- Min: Rp 1<br>- Max: Rp 50.000.000</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>BSI</td><td>Instant</td><td>T+1</td><td><strong>On Us</strong><br>- Min: Rp 1<br>- Max: Rp 50.000.000.000<br><strong>Off Us</strong><br>- Min: Rp 1<br>- Max: Rp 50.000.000.000</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>Mandiri</td><td>Instant</td><td>T+1</td><td>No limitation</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>BTN</td><td>Instant</td><td>T+1</td><td><strong>On Us</strong><br>- Min: Rp 10.000<br>- Max: -<br><strong>Off Us</strong><br>- Min: Rp 10.000<br>- Max: -</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>Permata</td><td>Instant</td><td>T+1</td><td><strong>On Us</strong><br>- Min: Rp 10.000<br>- Max: Rp 9.999.999.999<br><strong>Off Us</strong><br>- Min: Rp 10.000<br>- Max: Following the sender bank limitation</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>Maybank</td><td>Instant</td><td>T+1</td><td><strong>On Us</strong><br>- Min: -<br>- Max: Rp 9.999.999.999<br><strong>Off Us</strong><br>- Min: -<br>- Max: Rp 9.999.999.999</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>OCBC</td><td>Instant</td><td>T+1</td><td><strong>On Us</strong><br>- Min: -<br>- Max: Rp 9.999.999.999<br><strong>Off Us</strong><br>- Min: -<br>- Max: Rp 9.999.999.999</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>Muamalat</td><td>Instant</td><td>T+1</td><td><strong>On Us</strong><br>- Min: Rp 10.000<br>- Max: Rp 9.999.999.999<br><strong>Off Us</strong><br>- Following sender transfer method limitation</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>Nagari</td><td>Instant</td><td>T+1</td><td><strong>On Us</strong><br>- Min: -<br>- Max: Rp 9.999.999.999<br><strong>Off Us</strong><br>- Min: -<br>- Max: Rp 9.999.999.999</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>Bank DKI</td><td>Instant</td><td>T+1</td><td><strong>On Us</strong><br>- Min: -<br>- Max: Rp 9.999.999.999<br><strong>Off Us</strong><br>- Min: -<br>- Max: Rp 9.999.999.999</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>BJB</td><td>Instant</td><td>T+1</td><td>No limitation</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>Bank Neo Commerce (BNC)</td><td>Instant</td><td>T+1</td><td>No limitation</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>BPD Jatim (Jawa Timur)</td><td>Instant</td><td>T+1</td><td>No limitation</td><td></td></tr><tr><td>Virtual Account (VA)</td><td>Mega</td><td>Instant</td><td>T+1</td><td>No limitation</td><td></td></tr><tr><td>e-Money</td><td>Finpay Money</td><td>Instant</td><td>T+1</td><td>Following BI regulations</td><td></td></tr><tr><td>e-Money</td><td>ShopeePay</td><td>Instant</td><td>T+1</td><td>Following BI regulations</td><td></td></tr><tr><td>e-Money</td><td>OVO</td><td>Instant</td><td>T+1</td><td>Following BI regulations</td><td></td></tr><tr><td>e-Money</td><td>DANA</td><td>Instant</td><td>T+1</td><td>Following BI regulations</td><td></td></tr><tr><td>e-Money</td><td>LinkAja</td><td>Instant</td><td>T+1</td><td>Following BI regulations</td><td></td></tr><tr><td>e-Money</td><td>Virgo</td><td>Instant</td><td>T+1</td><td>Following BI regulations</td><td></td></tr><tr><td>Retail Outlet (Finpay Payment Code)</td><td>Indomaret, Alfamart, Pegadaian, ATM</td><td>Instant</td><td>T+1</td><td>No limitation</td><td></td></tr><tr><td>Paylater</td><td>Indodana</td><td>Instant</td><td>T+1</td><td>No limitation</td><td></td></tr><tr><td>Paylater</td><td>Kredivo</td><td>Instant</td><td>T+1</td><td>Basic Account: Rp 3.000.000</td><td></td></tr><tr><td>Paylater</td><td>Shopeepay Later</td><td>Instant</td><td>T+1</td><td>-</td><td></td></tr><tr><td>Cards</td><td>Contact us for more details</td><td>Instant</td><td>T+1 - T+4</td><td>No limitation</td><td></td></tr></tbody></table>

### Channel details

For channel-specific behavior (expiry, payer experience,  etc.), check [Payment Channel Details](/payment-gateway/payment-channels/payment-channel-details.md) documentation.


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