Balance Top-Up

All businesses can add funds to their Xendit Balance via Top Up which will be used to cover disbursements and other money-out transactions. Top up can be done anytime via bank transfer. Note that funds are credited to your Xendit Balance on any money-in transaction (e.g., top ups, payments, etc.) and are debited on any money-out transaction (e.g., disbursement, refund, chargeback, etc.).

Indonesia

How to Top Up

There are currently two ways to top up your Xendit balance:

1. Add funds to your dedicated Mandiri Virtual Account (VA)

   Upon registration with Xendit, you are automatically provided with a dedicated Mandiri VA for your top-ups. Note that this VA is different from the Billing VA that you are also provided with. Transferring to this Mandiri VA will result in your funds being automatically credited to your Xendit balance. To know how to transfer funds to your Mandiri VA:

   1. Go to your Xendit Dashboard
   2. Go to Balance Tab
   3. Click the Top Up button
   4. Select Mandiri, and then click How to top up? button. You will then be shown instructions on how to transfer funds to your Mandiri VA via ATM, i-Banking, and m-Banking.

2. Transfer funds to Xendit’s BCA bank account

   Top ups can also be done by transferring to Xendit’s BCA bank account. Note that this is automatically enabled. If you’d like to use the BCA top up below are the steps:

   1. Click the Top Up button
   2. Select BCA to see the bank information details such as account name and account number.
   3. Click “How to top up?” button. You will then be shown instructions on how to transfer funds to Xendit’s BCA account via ATM, i-Banking, and m-Banking.
   4. Copy your unique whitelist prefix (click Generate if not generated yet) and enter this prefix in the “Description/Remarks” box during every transfer to Xendit’s BCA account. Please don’t forget to input this prefix so we can automatically detect your top-up. Failure to do so will lead to undetected top-ups.

• You can find our BCA account detail below:

  • Bank Name: Bank Central Asia

  • Account Number: 0707777200

  • SWIFT Code: CENAIDJAXXX

  • Bank Branch: BCA KCU Kebayoran Baru

  • Branch Address: Jl. Melawai No.109, Kramat Pela, Kec. Kby. Baru, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12130, Indonesia

  • Company Details:

    • Company Name: PT Sinar Digital Terdepan
    • Company address: Gedung Victoria Lt 3, Jl Sultan Hasanudin no 47-51, Melawai, Kebayoran Baru, Kota Jakarta Selatan, 12160

  Note:

  BCA top-up service will be down from 11:50pm to 12:59am, which means top-ups during this time will only be detected 1am onwards

Cross Border Top Up

Instructions for Topping Up via Different Currencies in Indonesia

Auto Converted Option

• The exchange rate will be determined by the bank
• Transfer funds to your dedicated Mandiri Virtual Account:
  • Add funds to your dedicated Mandiri Virtual Account (VA) by following the instructions provided in this link

Manually Converted Option

• The exchange rate will be negotiated with our customer service team.
• Transfer funds to Xendit's BNI bank account:
  • Bank Name: BNI
  • Account Name: PT Sinar Digital Terdepan
  • Account Number: 598894948 Contact our customer service team (help@xendit.co) to negotiate the exchange rate for your desired currency. Our customer service team will inform you of the current rates for the specific currency conversion.

Check Top Up Status

You can check the status of your top up through the following steps:

1. On your Xendit Dashboard, go to Balance Tab
2. Go to Balance History
3. Filter table to “Top up”
4. Check whether the top up is already reflected in the history.
5. If the top up is not found, click Pending beside Balance History. Balance History contains all transactions that have been successfully debited from or credited to your Xendit Balance. Pending, on the other hand, displays transactions that are still pending in process and haven’t been settled.
6. Filter table to “Top up”
7. Look for your top up

Funds should be instantly available in your balance if you opted to top up via transfer to Mandiri VA. For top-ups via BCA, the funds will be credited to your balance in 15 minutes. Please ensure that you have included the whitelist prefix to enable automatic detection of your transfer.

FAQ

1. Why is my top up not reflected in my Balance yet?

There are several possibilities when your funds are not yet reflected in your balance:

1. You did not put the whitelist prefix in the description during your transfer to our BCA account. In this case, reach out to our Customer Success at help@xendit.co to notify them about your top up and have it processed.
2. You have not been whitelisted yet by Xendit. Reach out to help@xendit.co to request a unique whitelist prefix.
3. You did not use an instant transfer method (eg. LLG/RTGS). To ensure that funds are credited immediately, please use an instant transfer from your bank.

2.Are there other banks to which we can transfer funds for top-up?

Yes. Please reach out to help@xendit.co and ask the VA number for the bank you prefer (we also support BNI, BRI, BSS, and Permata)

Philippines

How to Top Up

Currently, there’s two options to add funds to your Xendit balance:

1. UBP Bills Payment

The UBP Bills payment method means you no longer need to send a proof of deposit to help@xendit.ph in order to request a top-up. You simply need to log in to your UBP App or Portal account and follow the steps below:

1. Go to Pay Bills (UBP Online) or Bills Payment (UBP The Portal) section
2. Click Select Biller and go to the Biller List section
3. Select biller name "XENDIT BALANCE TOP-UP"
4. Enter your payment code which you can find on your Xendit dashboard
5. Enter the amount you want to top-up
6. Review the details and click Pay to continue

Top ups via UBP Bills payment method will be processed within 5 minutes of your request, anytime including weekends and holidays.

To know your fixed payment code:

1. Log in to your Xendit account
2. Go to Balance Tab
3. Click Top-up button
4. Click UBP Bills Payment top-up option and you’ll find the code in the instructions

Your successful payment will automatically be detected as a top-up and will be credited to your Xendit Balance within five (5) minutes.

Notes: You may find two Xendit billers in the biller list, namely XENDIT BALANCE TOP-UP and XENDIT PHILIPPINES INC. Please disregard the latter one and use only XENDIT BALANCE TOP-UP when topping up your Xendit Balance. This is only available for merchants with UBP bank accounts in PHP currency. For other banks and currencies, the same process of sending proof of deposit to help@xendit.ph still applies.

If you need further assistance, please contact us at help@xendit.ph.

2. Transfer funds to Xendit’s UBP account

To see instructions on how to transfer:

1. Log in to your Xendit dashboard
2. Go to Balance Tab
3. Click Top-up button
4. Select Bank Transfer

Read the instructions and Click Submit Details. You will then be asked to provide transfer details and the proof of transfer.

Notes:

• Once your top-up request is processed, you will receive an email notification at your registered email address.

• To ensure a smooth processing of your top-up request, please make sure that your proof of deposit contains all the following information: confirmation of a successful or processed transfer, amount, date of transfer or deposit, bank reference number, and beneficiary account details.

• For top-ups to UBP, we highly recommend using the UBP Bills Payment channel as it is fully automated and settlement is real-time.

• Your top-up request will only be processed within office hours (9am to 6pm GMT +8). All top-up requests beyond office hours will be processed the next day no later than 12pm, provided we have already received the funds. If the funds have not yet arrived, the processing of your top-up request will be affected by the involved banks' or clearing houses' settlement period. Please see table below for reference.

**Transfer Method	Transfer/deposit time	Top-up processing time**
Same-bank transfer	Anytime	5-10 mins
Digital transfer or cash deposit via Instapay	Anytime	5-10 mins
Digital transfer or cash deposit via Pesonet	On or before 3PM	7pm
Digital transfer or cash deposit via Pesonet	After 3pm	Next business day by 12pm
Check deposit	Anytime	Next business day by 12pm
International transfer	Anytime	Next three to seven business days by 7pm
Others	Anytime	Please check with your bank on the expected settlement

Check Top Up Status

You will receive a notification in the email address you registered with Xendit once the funds are already credited to your balance. Our CS will also confirm once top-up request has been completed. You can also check the status of your top up from the dashboard through the following steps:

1. On your Xendit Dashboard, go to Balance Tab
2. Go to Balance History
3. Filter table to “Top up”
4. Check whether the top up is already reflected in the history.
5. If the top up is not found, click Pending beside Balance History. Balance History contains all transactions that have been successfully debited from or credited to your Xendit Balance. Pending, on the other hand, displays transactions that are still pending in process and haven’t been settled.
6. Filter table to “Top up”
7. Look for your top up

FAQ

When will my top up be credited to my Xendit balance?

Depending on the channel used, these are the expected turnaround time for crediting:

1. Intrabank Fund Transfer - 15 mins
2. Interbank Fund Transfer (IBFT)
   • InstaPay (up to PHP 50,000) - 15 mins
   • PESONet - within 1 banking day if within 12NN cut-off
3. Bank Over-the-Counter Deposit (Check) - 1PM cut-off
   • Local Check - 3 banking days
   • Regional Check - 5 banking days
4. Bank Over-the-Counter Deposit (Cash) - 15 mins

Please note that top-up requests are currently only processed from 9am to 6pm on weekdays. If your top up is taking longer than expected, please reach out to our CS at help@xendit.ph for help.

Foreign Currency

How to Top Up

Xendit also offers its customers the ability to top up from foreign bank accounts. Note that this process requires forex exchange to complete the process.

Send funds to Xendit’s USD account

1. Reach out to our CS to get Xendit’s USD account details
2. Make a fund transfer to Xendit’s USD account through any method you prefer

   1. For ID customers, please reach out to help@xendit.co to ask for your VA number. Below are bank details of the USD account:

      Bank: PT. BANK MANDIRI (PERSERO) TBK
      Swift code: BMRIIDJA
      Bank account name: PT SINAR DIGITAL TERDEPAN
      Bank Address: Bank Mandiri KCP Wolter Monginsidi, Jl. Wolter Monginsidi No. 57, Kebayoran Baru, Jakarta Selatan, DKI Jakarta, Indonesia 12180

   2. For PH customers, below are the bank details:

      Union Bank    
      Xendit Philippines Inc.
      Account Number
      1305 9002 7477

3. Email CS about your fund transfer, as well as your registered business name with Xendit and proof of transfer
4. Once the transferred funds have been reflected to Xendit’s USD account, CS will notify you via Email or Whatsapp of the foreign exchange rate. If you agree with this rate, we will exchange it and then top up the exchanged amount to your Xendit Balance.

Check Top Up Status

You will be sent a notification to the email you used to send your proof of transfer once top up is completed.

FAQ

1. When will my top up be reflected to my Balance?

We will only process your top up once the transferred funds are already reflected in Xendit’s USD bank account. We will then email you once your top up is successfully credited to your Balance.

2. What is the foreign exchange rate?

It will depend on the exchange rate you will agree with Xendit to exchange your funds with. Once the transferred funds have been reflected to Xendit’s USD account, CS will notify you via Email or Whatsapp of the foreign exchange rate. If you agree with this rate, we will exchange it and then top up the exchanged amount to your Xendit Balance.