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Disburse funds effortlessly through Indonesia’s major payment channels with minimal operational complexity and real-time delivery. Singapay is designed to simplify and optimize your payout operations through a comprehensive suite of payment capabilities, allowing businesses to manage fund disbursement with greater efficiency, confidence, and scalability.

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Why Choose Singapay for Payouts?

Extensive Payout Coverage Supports fund transfers to more than 100 banks and e-wallets, enabling businesses to reach recipients throughout Indonesia. Flexible and Easy-to-Use Solutions Provides both:
  • Ready-to-use no-code solutions through Dashboard
  • Flexible API integration for highly customized business workflows
Real-Time and High-Value Payout Capability Supports:
  • 24/7 instant transfers
  • Large-value disbursements exceeding traditional banking limits
Ideal for businesses requiring both speed and scale. End-to-End Security Protection Built-in security controls include:
  • Multi-layer fraud detection
  • Transaction behavior analysis
  • Recipient risk assessment
  • Transaction limit controls
  • Real-time risk monitoring
These controls help prevent:
  • Fraudulent transactions
  • Account compromise
  • Mistaken transfers
  • Unauthorized payouts
Intelligent Routing Even when a bank or clearing network is experiencing maintenance or service disruption, Singapay can automatically route transactions through alternative available channels to maximize payout success rates.

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Core Payout Flow

  1. Merchant funds the account balance (via Dashboard or API).
  2. Merchant creates a payout transaction (via Dashboard or API).
  3. Merchant balance is deducted.
  4. Internal finance approval is performed (for Dashboard batch payouts).
  5. Singapay conducts internal review (when cross-border settlement is involved).
  6. Singapay executes the payout.
  7. Recipient receives the funds in real time.

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Quick comparison

MethodDestinationMin (IDR)Max (IDR)SpeedAccess Interface
Bank Disbursement100+ local banks10,000250,000,000*InstantAPI, Mobile App (Under Development)
E-Wallet Pay OutGopay, Dana, OVO, ShopeePay1,000~10,00010,000,000InstantDashboard, API, Mobile App (Under Development)
QRIS TransferIndonesian banks and wallets connected through the QRIS standard10010,000,000InstantDashboard, API, Mobile App (Under Development)
Cross-Border Bank TransferGlobal banks connected through SWIFT10,000250,000,000*5 working daysDashboard (Under Development), API (Under Development)
Crypto Wallet TransferUSDT (major networks), USDC (major networks)10,000250,000,000*2 working daysDashboard (Under Development), API (Under Development), Mobile App (Under Development)
* Maximum limits are configurable per merchant tier.

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Typical Use Cases

FinTech
  • Loan disbursement to borrowers
  • Profit distribution to investors
Cross-Border Trade
  • Payments to overseas suppliers
  • Distributor settlements
  • Partner payouts
Marketing and Affiliate Programs
  • Commission payments
  • Referral incentives
  • KOL and influencer rewards
Cryptocurrency Platforms
  • Fiat withdrawal payouts to users

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Before you send

✓ Ensure your SingaPay balance has sufficient funds to cover the disbursement amount plus applicable fees. ✓ Use the account validation API to verify a recipient’s bank account before sending — this reduces the risk of failed transfers. ✓ Add your server IP to the IP whitelist under Credentials → IP Address Configuration — required for balance inquiry and disbursement API calls. ✓ Always include your internal reference ID merchant_reff_no on every transfer to simplify reconciliation.