Available pay out products
Bank Disbursement
Send funds to any of 100+ local Indonesian banks. Real-time via BI-FAST, 24/7 including weekends and public holidays.
E-Wallet Pay Out
Top up GoPay, OVO, DANA, and ShopeePay wallet in real time — the fastest way to disburse rewards, refunds, or incentives.
Quick comparison
| Method | Destination | Min (IDR) | Max (IDR) | Speed | Hours |
|---|---|---|---|---|---|
| Bank Disbursement | 100+ local banks | 10,000 | 250,000,000* | Real-time (BI-FAST) / Same-day (SKN) | 24/7 |
| GoPay Pay Out | GoPay | 1,000 | 10,000,000 | Instant | 24/7 |
| OVO Pay Out | OVO | 10,000 | 10,000,000 | Instant | 24/7 |
| DANA Pay Out | DANA | 1,000 | 10,000,000 | Instant | 24/7 |
| ShopeePay Pay Out | ShopeePay | 1,000 | 10,000,000 | Instant | 24/7 |
Pay out scenarios
Monthly payroll
Monthly payroll
Distribute salaries to employees across any Indonesian bank. Upload a batch of transfers with account numbers and amounts — SingaPay processes them all via BI-FAST for real-time arrival.→ Use: Bank Disbursement
Marketplace seller payouts
Marketplace seller payouts
At settlement time, route each seller’s earnings directly to their registered bank account in a single API call per sub-account. No spreadsheets, no manual transfers.→ Use: Bank Disbursement
Instant cashback rewards
Instant cashback rewards
Distribute promotional cashback or loyalty bonuses directly to a customer’s GoPay or OVO wallet. Funds appear in their wallet within seconds — no bank account details needed.→ Use: E-Wallet Pay Out
Customer refunds
Customer refunds
When an order is cancelled, push the refund directly to the customer’s bank account or preferred e-wallet without waiting for a settlement cycle.→ Use: Bank Disbursement or E-Wallet Pay Out
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_noon every transfer to simplify reconciliation.
Bank Coverage & Limits
See all 100+ supported banks and transfer details.
E-Wallet Pay Out
Send money directly to GoPay, OVO, DANA, and ShopeePay wallets.