Compare Send Money disbursement methods and choose the right payout flow for speed, coverage, and operational needs.
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 |