Operations

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...

How can I get Daily Report?

You may follow these steps to get the Daily Report from your merchant: Login to your dashboard (MAP) as an Admin user. Click Settings > Daily Report menu. Tick "Yes" and fill in the email that wants to get Daily Report. If you want the report to be sent to multiple email addresses, please separa...

What is a reversal transaction?

A reversal transaction is a transaction whose status is canceled, where a cancellation request is made from the side of the Bank. There are several factors from the side of the bank that are the reason why transactions can be reversed, one of which is that the transaction is not worthy of its sta...

What payment method that have refund feature?

Most of the payment methods 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 method that doesn't have the refund feature in Midtrans, the refund ...

How can I refund transaction?

Transactions that can be refunded through Midtrans are only credit card and GoPay/QRIS payment methods. For other payment methods, the process of refunding funds to customers is completely left to the merchant.   The conditions for a successful refund are: Refund only applies to credit card and ...

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...

Why transaction status is Pending/Failure, while the fund has been deducted?

In some rare cases, when the customer fund is deducted but the acquiring bank/payment provider is having issues such as network timeout or Acquiring Bank failure to respond to a transaction charge request, the transaction is considered a failure. By default, the customer funds will not be deducte...

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 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. There's no additional fee when doing payout.Before doing this, don't forget to set your Bank Account Information. To ...

When can I withdraw my transaction funds from Midtrans?

For payment methods that the transaction funds go through Midtrans, you can request a payout from the billing menu inside the Merchant Administration Portal (MAP). You can request a payout every business day, but please note the transaction only be requested for a payout at least if it has succes...

Can I cancel a transaction that has been settled?

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