Operations

Why Bank Transfer transaction status is PENDING, while the fund has been deducted?

VA Permata transaction can be paid through ATM / Internet banking / Mobile Banking that located at Prima / Alto / ATM Bersama network. For payment through internet banking that is not connected to the network, it will be done through kliring (SKN / LLG) so that the funds can go to the destination...

How can I have my money in my account (payout)?

If you are our merchant, you will be able to withdraw your money at least 3 business days after the transaction. You can choose when will be the right time to transfer your money.Before doing this, don't forget to set your Bank Account Information. Below are the steps: Log in to your Midtrans po...

What does the status CHALLENGE mean?

CHALLENGE status is returned when a transaction (i.e. typically a card transaction) has been successfully authorized, but it is flagged by our fraud prevention system. It does not mean that the transaction is fraudulent but may require further review. After reviewing the transaction, you can eith...

What payment channel that have refund feature?

Most of the payment channels have a refund feature, you can see the details in the table below: Please note that the bank's SLA is a working day, funds may be returned sooner or later than the information stated. For the payment channel that doesn't have the refund feature in Midtrans, the refun...

How can I refund GoPay or QRIS transaction?

Refund process for GoPay or QRIS transaction can be done using the refund button in Midtrans’ dashboard (MAP) or using the refund API.You can activate the refund button by emailing sales@midtrans.com with informing your merchant details (i.e. merchant name, merchant ID or email address of your Mi...

Introduction to Refund

About Refund Refund means returning the funds back to the customer. It is caused by double order, products/services not available, cancelled flight, etc. To process refund, or to return the funds back to customer, we need to make sure that the money has been successfully transferred from customer...

How long will the transaction funds be credited to the cardholder after a refund?

Typically the funds will be credited within 7-14 business days after the refund request is submitted. We have seen longer period (up to 45 days) for cross border transactions (i.e. card transactions using international credit/debit card issuing bank).      

Is the funds transfer for Midtrans’ Bank Transfer payment method real time?

Generally yes. Midtrans’ Bank Transfer payment methods consist of BCA Virtual Account (VA), Mandiri Bill Payment, and Permata VA. Both BCA VA and Mandiri Bill Payment only accepts in-house transfers, meaning from BCA and Bank Mandiri source accounts respectively. For Permata VA, customer can tra...

Can I know the reasons why a transaction is DENIED or CHALLENGE?

Yes. Our merchants can access our Merchant Administration Portal (MAP) and see the transactions page for more details of a particular transaction, including its status.      

How can I refund a card transaction?

If you are under an agregator agreement with us, you can request for a card transaction refund by emailing sales@midtrans.com with the transaction details (i.e. order ID, refund amount, reason for refund, etc). If you have a direct agreement with the acquiring bank, please send the refund request...

Can I cancel a transaction that has been settled?

No. Please proceed to refund a transaction once it has been settled.