Singapay Home Page
Logo Icon
  1. Getting Started
  2. Money In Transaction Limits

Below is the minimum and maximum transaction amount for each incoming payment channel available on SingaPay.

Note: To understand the fundamental differences between Virtual Account, Payment Link, QRIS, E-Wallet (Money In), and Card (Money In) products, see Payment Products.

Payment Channels

Payment ChannelMinimum AmountMaximum Amount
VA BRIIDR 10,000IDR 250,000,000
VA BNIIDR 10,000IDR 250,000,000
VA DanamonIDR 10,000IDR 250,000,000
VA MaybankIDR 10,000IDR 250,000,000
VA BCAIDR 10,000IDR 20,000,000
QRISIDR 1,000IDR 10,000,000
E-Wallet ShopeePay (Money In)IDR 1,000IDR 20,000,000
E-Wallet Dana (Money In)IDR 1,000IDR 20,000,000
Card (Money In)IDR 10,000IDR 50,000,000
Manual Top Up (Fixed Bank Account)IDR 250,000,001IDR 10,000,000,000

Virtual Account

Virtual Account is an automated payment method where each customer gets a unique virtual account number for making payments.

Available Banks:

  • VA BRI - Maximum IDR 250,000,000 (can be increased up to 1 Billion)
  • VA BNI - Maximum IDR 250,000,000 (can be increased up to 1 Billion)
  • VA Danamon - Maximum IDR 250,000,000 (can be increased up to 1 Billion)
  • VA Maybank - Maximum IDR 250,000,000 (can be increased up to 9.9 Billion)
  • VA BCA - Maximum IDR 10,000,000

QRIS

QRIS (Quick Response Code Indonesian Standard) is a standardized QR payment system in Indonesia.

Transaction Limits:

  • Minimum: IDR 1,000
  • Maximum: IDR 10,000,000

E-Wallet (Money In)

E-Wallet (Money In) is a native payment method where customers pay directly from their e-wallet app to your SingaPay account. Customers are redirected to a checkout URL to authorize and complete the payment.

Supported Vendors:

  • ShopeePay (EWALLET_SHOPEEPAY) — Minimum: IDR 2,000 | Maximum: IDR 20,000,000
  • Dana (EWALLET_DANA) — Minimum: IDR 2,000 | Maximum: IDR 20,000,000

For more details, see the E-Wallet (Money In) API documentation.

Card (Money In)

Card (Money In) is a payment method where customers pay using their credit or debit card (Visa, Mastercard) on a secure, PCI-compliant checkout page.

Transaction Limits:

  • Minimum: IDR 10,000
  • Maximum: IDR 50,000,000

For more details, see the Card (Money In) API documentation.

Manual Top Up (Large Transactions)

For transactions exceeding IDR 250,000,000, we use Fixed Bank Account (BCA/BRI/etc.) with manual settlement process:

  • Not a Virtual Account - You will receive our fixed bank account number
  • Manual Settlement - Processed by our Finance and IT team
  • Processing Time - Please allow time for our finance team to verify and process your transaction
  • Customer Manager Confirmation - You must confirm with your official Customer Manager before proceeding with large transactions
  • Contact Required - Please contact our admin team or your dedicated manager to proceed
  • Transaction Range - IDR 250,000,001 up to IDR 10,000,000,000 (10 Billion)

Important Notes

  • Transaction limits apply per transaction.
  • Please ensure the transaction amount is within the allowed range to avoid transaction failure.
  • Limits may change based on regulatory requirements or partner policies.

Merchant Settlement Methods

SingaPay offers three settlement methods for merchants. The settlement time and process vary depending on your agreement (PKS).

Understanding Balance Types:

  • Pending Balance - Temporary holding for incoming payments awaiting reconciliation (not yet usable).
  • Available Balance - Confirmed funds ready for disbursement or withdrawal.

1. Settle to Bank

Funds are transferred directly to your registered bank account after daily reconciliation.

Settlement Flow:

👤Customer⚙️Finance SingaPay🏦Merchant Bank AccountPayment via VA/QRIS/Payment Link💳 Customer makes paymentStore in Pending Balance📦 Awaiting reconciliationDaily Reconciliation (H+1 to H+2)⚙️ Verify & validateTransfer to Bank Account✅ Funds transferred

Details:

  • Settlement Time: H+1 to H+2 (depending on your agreement)
  • Settlement Destination: Merchant’s registered bank account
  • Process: Pending Balance → Daily reconciliation → Bank transfer
  • Best for: Merchants who prefer direct bank deposits and only want to use Money In features

2. Settle to Balance

Funds are settled to your SingaPay Available Balance after daily reconciliation.

Settlement Flow:

👤Customer⚙️Finance SingaPay💰Merchant Dashboard🏦Multiple Bank AccountsPayment via VA/QRIS/Payment Link💳 Customer makes paymentStore in Pending Balance📦 Awaiting reconciliationDaily Reconciliation (H+1 to H+2)⚙️ Verify & validateMove to Available Balance✅ Ready to useDisburse to Multiple Accounts💸 Money Out

Details:

  • Settlement Time: H+1 to H+2 (depending on your agreement)
  • Settlement Destination: SingaPay Available Balance
  • Process: Pending Balance → Daily reconciliation → Available Balance
  • Disbursement Control: Merchant initiates transfers through their dashboard to multiple bank accounts
  • Best for: Merchants who utilize disbursement features (money out/transfer to multiple accounts)

3. Auto Balance (Real-Time Settlement)

Funds are credited directly to your SingaPay Available Balance in real-time when SingaPay receives payment notification. This method is deeply integrated with our payment infrastructure and bypasses the Pending Balance stage.

Settlement Flow:

👤Customer⚙️Finance SingaPay💰Merchant Dashboard🏦Multiple Bank AccountsPayment via VA/QRIS/Payment Link💳 Customer makes payment⚡ INSTANT to Available Balance✅ Real-time (bypasses Pending)Disburse to Multiple Accounts💸 Money OutSame-day Reconciliation⚙️ Background process

Details:

  • Settlement Time: Real-time
  • Settlement Destination: SingaPay Available Balance (not bank account)
  • Process: Direct to Available Balance (bypasses Pending Balance) → Same-day reconciliation
  • Disbursement Control: Merchant initiates transfers through their dashboard to multiple bank accounts
  • Requirements: Subject to approval and comprehensive risk analysis
  • Best for: High-volume merchants requiring immediate fund availability for disbursement operations

Note: For Auto Balance method, fund availability in your SingaPay Available Balance depends on the vendor settlement time from our banking partners (see section below).

Vendor Settlement Time to SingaPay

This information applies to Auto Balance settlement method only.

The time when SingaPay receives funds from bank vendors varies depending on the transfer method and banking network used by your customer.

Transfer Method Selection:

Unlike Money Out where SingaPay’s backend system automatically handles the routing, for Money In transactions, the transfer method is determined by the customer when they make the payment from their bank account or application.

Available Transfer Methods:

  • BI-FAST (Fast Payment) - Real-time fund receipt or based on agreement. Available 24/7 including weekends and holidays.
  • RTGS (Real-Time Gross Settlement) - Requires additional processing time. Available during business hours only.
  • Intra-Bank Transfer - Fastest fund receipt when the customer uses the same bank network as the target VA (e.g., BCA to BCA, BRI to BRI).

Note: Actual vendor settlement time depends on the transfer method chosen by the customer and the sending bank’s processing system.

Quick Reference

Virtual Account

  • VA BRI, BNI, Danamon: IDR 10,000 – IDR 250,000,000 (can be increased up to 1 Billion)
  • VA Maybank: IDR 10,000 – IDR 250,000,000 (can be increased up to 9.9 Billion)
  • VA BCA: IDR 10,000 – IDR 10,000,000

QRIS

  • QRIS: IDR 1,000 – IDR 10,000,000

E-Wallet (Money In)

  • E-Wallet ShopeePay: IDR 1,000 – IDR 20,000,000
  • E-Wallet Dana: IDR 1,000 – IDR 20,000,000

Card (Money In)

  • Card: IDR 10,000 – IDR 50,000,000

Manual Top Up

  • Fixed Bank Account (BCA/BRI/etc.): IDR 250,000,001 – IDR 10,000,000,000 (manual settlement - confirm with Customer Manager)