Settlement
The settlement days of every product are varied depending on the kind of product and its commercial model. Please note that for the aggregator model, the fund will be settled to your Xendit account, while for the switcher model, the fund will be directly settled to your bank account.
Please note that for Cards, E-Wallets, QR Payments, Direct Debit, and PayLater, settlement times are calculated in calendar days unless otherwise specified. If a settlement date falls on a weekend, the funds will be reflected on the next weekday.
Indonesia
| Product | Commercial Model | Payment Methods | Settlement |
|---|---|---|---|
| Credit/Debit Card | Aggregator | Any Credit Card | T+5 (Calendar Days) |
| E-wallet | Aggregator | OVO, DANA, LinkAja, ShopeePay, AstraPay | T+2 (Business Days) |
| Paylater | Aggregator & Switcher | Kredivo | Every Tuesday and Friday |
| Paylater | Aggregator | Akulaku | Same day |
| Paylater | Aggregator | Uangme | T+2 (Calendar Days) |
| Paylater | Aggregator | Indodana | T+2 (Business Days) |
| QR | Aggregator | QRIS | T+2 (Business Days) |
| Direct Debit | Aggregator | BRI | Instant |
| Direct Debit | Aggregator & Switcher | CIMB Niaga | Instant |
| Direct Debit | Aggregator | Mandiri | T+1 (Business Days) |
| Virtual Account | Aggregator | BNI, BSI, BRI, BSS, BJB, Mandiri, Permata, CIMB, BNC | Instant |
| Virtual Account | Aggregator | BCA | T+1 (Business Days) |
| Virtual Account | Switcher | DBS | T+5 (Business Days) |
| Virtual Account | Switcher | All other Switcher VA | T+1 (Calendar Days) or following agreement with banks |
| Retail Outlet | Aggregator | Alfamart, Indomaret | T+5 (Business Days) |
Philippines
| Product | Commercial Model | Payment Methods | Settlement |
|---|---|---|---|
| Credit/Debit Card | Aggregator | Any Credit Card | T+5 (PHP) T+7 (USD) (Calendar Days) |
| Credit/Debit Card | Switcher | BYOB | T+1/T+2 (Calendar Days) |
| E-wallet | Aggregator | Paymaya, GCash, GrabPay, ShopeePay, Coins.ph | T+2 (Business Days) |
| Direct Debit | Aggregator | BPI, Unionbank, BDO, RCBC, Chinabank | Instant |
| Retail Outlet/Over-the-Counter | Aggregator | 7Eleven (Xendit Biller) | T+8 (Business Days) |
| Retail Outlet/Over-the-Counter | Aggregator | 7Eleven (Merchant Biller) | T+5 (Business Days) |
| Retail Outlet/Over-the-Counter | Aggregator | Cebuana, ECPay, Palawan, M Lhuillier, ECPay Loan, ECPay School, LBC, RD Pawnshop, and CVM | T+2 (Business Days) |
| Paylater | Aggregator | Billease, Cashalo | T+5 (Business Days) |
Last Updated on 2025-04-16