Withdrawals & Payout

Disburse settled merchant balances into your Indonesian commercial bank account in IDR or directly to your self-custody crypto wallet on-chain.

Dual-corridor payout options

Hashpay offers two flexible disbursement corridors designed to support both conventional Indonesian corporate banking and Web3 treasury management:

• Corridor 1: Local Indonesian Bank (IDR Rupiah) — Instant fiat disbursement directly to over 140+ Indonesian commercial and regional banks (BCA, Mandiri, BRI, BNI, Permata, CIMB Niaga, Danamon, Panin, BTN, BSI, etc.) and major e-wallets. Powered by licensed payment gateway partners (INCASO / EPAY) operating 24/7 via BI-FAST and real-time interbank switching networks.
• Corridor 2: Crypto Wallet On-Chain (USDT / USDC) — Direct blockchain settlement into your company's self-custody cold storage (Ledger, Trezor), Web3 wallet (MetaMask, Trust Wallet), or corporate exchange accounts (Indodax, Tokocrypto, Binance) across BNB Chain, Tron, Ethereum, or Solana.

Payout destination prerequisites & approval lifecycle

To maintain financial integrity and anti-money laundering (AML) compliance, payout destinations must be whitelisted before funds can be disbursed:

• Crypto Address is MANDATORY (Blocking Requirement) — Every merchant account must register at least one approved crypto recipient address (USDT / USDC) to activate withdrawals.
• Local Bank Account is OPTIONAL — Adding an Indonesian Rupiah bank account is optional and can be registered whenever you wish to disburse funds in fiat currency.

Each registered bank account or crypto address passes through an approval lifecycle displayed as status badges in your destination table:

Real-time bank account validation (Cek Rekening)

Misdirected bank transfers caused by typos can severely disrupt business cash flow. To eliminate this risk, Hashpay includes automated Real-Time Account Validation (Cek Rekening):

1. Select Destination Bank — Choose your bank from the dropdown list of 140+ Indonesian financial institutions.
2. Input Account Number — Type your bank account number.
3. Automated Inquiry — The system queries the national interbank database in real time and displays the official registered account holder name.
4. Verify & Save — Confirm that the account holder name matches your company or business representative name, then click Save. The account enters verification and will be ready once approved.

Submitting a withdrawal request & fee quote lock

Follow these steps to submit a withdrawal request from your dashboard:

1. Initiate Request — Click Withdraw Funds on the dashboard overview or the Withdrawals page.
2. Select Payout Channel — Choose Local Bank (IDR) or Crypto Wallet.
3. Select Whitelisted Destination — Choose an address or bank account from your pre-approved list.
4. Select Payout Network (Crypto Only) — If withdrawing crypto, select your preferred network (BNB Chain, TRON, ETHEREUM, or SOLANA). The selected network determines the network gas fee.
5. Enter Amount & Debounced Quote Lock — Enter the amount up to your Available Balance. Hashpay calculates a debounced real-time fee quote with a locked Quote ID (`quoteId`), guaranteeing that fees will not slip between quote generation and execution.
6. Authorize with 2FA — Enter your 6-digit Google Authenticator code to finalize and dispatch the transfer.

Transparent fee calculations & simulation examples

Hashpay maintains 100% transparent fee structures with zero hidden currency conversion margins. Review these real-world disbursement examples:

Withdrawal lifecycle & transaction statuses