Disbursement Method Options

We offer three disbursement methods to suit different operational and pricing needs:

  • Regular – Traditional disbursement method, similar to RTOL (Real-Time Online), offering broader coverage
  • BI-Fast – Uses the BI-Fast network for real-time fund transfers at lower costs.
  • BI-Fast Plus – A hybrid approach that allows you to choose either the Regular or BI-Fast endpoint for each disbursement request.

Comparison between disbursement method

The table below helps you compare the available methods and select the one that best aligns with your use case:

MethodBenefitsLimitation
Regular- More reliable as it's not tied to a single network (i.e., not limited to BI-Fast) - Broader bank coverage - Some destinations support transfers up to IDR 500 million- Slightly higher cost due to wider infrastructure support
BI-Fast- Cost-effective with lower fees per transaction- Only available for banks in the BI-Fast network - Max transfer limit of IDR 250 million
BI-Fast Plus- Flexible: choose to route each disbursement via Regular or BI-Fast endpoints as needed- Slightly higher pricing for the added flexibility