English
API ReferenceSign In

Instant Account Activation

Last updated 07/30/2021

Instant Activation is an onboarding feature from Xendit that allows you to activate your account immediately. This means, you can start accepting online payments just minutes after submitting an account activation request.

You are eligible to use Instant Activation feature if you meet the following criteria:

  • Your business operates in Indonesia
  • Your business is an individual business (not PT, CV, or other business entity)
  • Your business industry category does not require specific extra business license (e.g. BPOM, BI License, etc)

How to Instantly Activate Your Account

Follow these simple steps to start instantly activating your account in Xendit:

  1. Register your business to Xendit here.

  2. Verify your email address.

  3. Click "Activate your account" in your Xendit dashboard home page.

  4. Choose "Instant Activation" in the Upload Documents section.

  5. Enable access to your laptop built-in camera or similar device

  6. Take a picture of your real KTP and NPWP card and click “Verify Documents”

  7. When your KTP and NPWP are verified, click "Save and Next" to complete your activation request

Features and Products Availability

There are certain limitations on features and products when you activate your account using Instant Activation flow. However, these limitations will be lifted once we have finished assessing your business due diligence (BDD) that may take up to 3-5 business days (starting from when your account is Live).

Features and ProductsAvailable ImmediatelyAvailable after passing BDD
Accessing dashboard in Live mode
Activate additional payment channels
Create Money In API
Create Money Out API
Accepting payments via Invoice*
Accepting payments via API*
Sending money via Disbursement
Sending money via API
Sending money via Payouts
Setting up integration with third-party platform (WooCommerce, Shopify, etc)
Balance top-up
Balance withdrawal

*only available using channel BNI VA, BRI VA, Mandiri VA, Permata VA, and BSS VA

Money Holding Rules

If we found that your account failed to pass business due diligence after being instantly activated, we will suspend your account and hold your available balance. We allow you to request balance retrieval based on the following rules:

  • If your account balance is below IDR 10,000,000 or equivalent, we will release the balance immediately after 15 days and if we receive no complaints/allegations about fraudulent activities in your account;
  • If your account balance is between IDR 10,000,000,- to IDR 50,000,000,- or equivalent, Xendit will release the funds after 30 days and if we receive no complaints/allegations about fraudulent activities in your account;
  • If your account balance is between IDR 50,000,000,- to IDR 100,000,000,- or equivalent, Xendit will release the funds after 60 days and if we receive no complaints/allegations about fraudulent activities in your account;
  • If your account balance is above IDR 100,000,000,- or equivalent, Xendit will release the funds after 90 days and if we receive no complaints/allegations about fraudulent activities in your account.

Once your account has passed the money holding period and we receive no complaints/allegations about fraudulent activities in your account, we will send you an email notifying you that your balance is ready to be disbursed to your bank account. Please reply to the email that we sent with all the details we need to transfer your balance and your request will be processed in approximately 3 working days (starting from when we have received all the bank account information).