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:

Method	Benefits	Limitation
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

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Notes on BI-Fast Reliability
Brick’s BI-Fast disbursement reliability is subject to the availability and stability of the BI-Fast network itself. While we have implemented fallback mechanisms to enhance overall reliability, BI-Fast transactions inherently carry a higher risk of delayed or “processing” status due to occasional network issues on the provider side.
Rest assured, if a transaction remains pending beyond the expected timeframe, our operations team will proactively coordinate with the relevant bank and perform manual reconciliation to ensure your funds remain secure and are processed accordingly.