> ## Documentation Index
> Fetch the complete documentation index at: https://docs.singapay.id/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

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

| Method                         | Destination                                                      | Min (IDR)     | Max (IDR)     | Speed          | Access Interface                                                                       |
| ------------------------------ | ---------------------------------------------------------------- | ------------- | ------------- | -------------- | -------------------------------------------------------------------------------------- |
| **Bank Disbursement**          | 100+ local banks                                                 | 10,000        | 250,000,000\* | Instant        | API, Mobile App (Under Development)                                                    |
| **E-Wallet Pay Out**           | Gopay, Dana, OVO, ShopeePay                                      | 1,000\~10,000 | 10,000,000    | Instant        | Dashboard, API, Mobile App (Under Development)                                         |
| **QRIS Transfer**              | Indonesian banks and wallets connected through the QRIS standard | 100           | 10,000,000    | Instant        | Dashboard, API, Mobile App (Under Development)                                         |
| **Cross-Border Bank Transfer** | Global banks connected through SWIFT                             | 10,000        | 250,000,000\* | 5 working days | Dashboard (Under Development), API (Under Development)                                 |
| **Crypto Wallet Transfer**     | USDT (major networks), USDC (major networks)                     | 10,000        | 250,000,000\* | 2 working days | Dashboard (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.

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