Frequently Asked Question

How much is the minimum amount for disbursement transaction?
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- > Rp10,000

What are the cutoff periods for bank transactions?
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a. BCA:

    20:50 – 02:00 WIB for Sunday – Saturday

    20:50 – 04:00 WIB between Saturday – Sunday

b. BRI: 22:00 – 23-20 WIB

c. DBS: 23:00 – 00:00 WIB

Does staging need to whitelist IP address?
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You don’t need to whitelist IP address for staging.

Does VA transaction available 24/7?
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Yes, it is.

What is the maximum number of whitelisted IP addresses for Production?
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You can whitelist up to 5 IP addresses.

Can I use Virtual Account and/or Credit Cards for Disbursement?
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Unfortunately, no. Disbursement can only be done through bank account.

Where can I find OY! API Documentation?
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Where can I find more information on OY! Indonesia products
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You can find all the information here

How do I upgrade my OY! Bisnis account?
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Refer to this link on how to upgrade your OY! Bisnis account

How do I use the OY! Bisnis dashboard?
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You can find the tutorial for using our dashboard here

To whom should I contact with if I have more questions about OY! Bisnis?
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If you have further inquiries, please do not hesitate to contact us via email at

How to top Up my Balance using Virtual Account?
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  1. Click on the Account Statement tab
  2. Click How to Top Up
  3. You will be presented with several VA accounts provided by OY! Bisnis as well as the Virtual Account Top Up Guide
Is there any limit for exporting data from Account Statement?
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  1. Yes, there is. The limit for exporting data from Account Statement is 25,000 rows. For data set that are more than 25,000 rows, the data will be automatically sent to the email registered to the account.
How do I Process Manual Top Up Request?
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a. Before the top Up can be processed by OY! Bisnis, you must first need to provide Proof of Manual Top Up using the steps below:

  1. Click Account Statement tab
  2. Click How to Top Up
  3. Choose Manual Top Up Confirmation

b. You will then need to fill in several information:

  1. Amount
  2. Beneficiary Bank (Transfer to Bank Giro OY!)
  3. Upload the Transfer Receipt (in the form of JPG / PDF / PNG with a max size of 10MB)
Can I use OTP to login into OY! Bisnis dashboard?
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Yes, you can. There are 2 types of OTP method that you can use:

1. OTP Authenticator

  1. To activate OTP Authenticator, click on the Account menu and select OTP Authenticator.
  2. You can use widely available mobile and/or web-based authenticator such as Google Authenticator.
  3. If you already have an Authenticator app, use the Scan QR Code to scan the barcode.
  4. After successfully scanned the barcode, a 6-digit number will appear in your application.
  5. Enter the code on the “OTP Authenticator” page in OY! Bisnis dashboard and press the “Activate” button.
  6. After the confirmation of successful activation, you will get a Recovery Codes. For each activation of the OTP Authenticator, you will get 12 Recovery Codes that will be sent to the email registered to your account.
  1. Make sure that the e-mail registered on your account is an active e-mail that can be accessed by Account users.
  2. Recovery Codes can be used for the login process whenever you lose access to your Authenticator application.
  3. Each Recovery Codes code can only be used once.
  4. After closing the above screen, the given Recovery Codes cannot be accessed again. Save your Recovery Codes properly.
  5. Keep Authenticator OTP and Recovery Codes confidential just as you would keep your username and password confidential.
  6. On the same page, if you wish to stop the OTP Authenticator feature on your account or if you lose access to your Authenticator and/or Recovery Codes application, then you can fill in the fields below using the OTP Authenticator or Recovery Codes then press the button “Deactivate".
  7. If you wish to reactivate the OTP Authenticator feature, the Authenticator previously connected to the partner Authenticator application must be removed/deleted first before reactivating the OTP Authenticator.
  8. When you have activated the OTP Authenticator option, you must fill in the OTP Authenticator field with the code listed in your Authenticator application.

2. Email OTP

  1. Email OTP works the same way as OTP Authenticator but you don’t have to do any activation process. All you have to do is to press “Request OTP” button on the login page and the OTP will be sent to the email registered to your account. Please make sure you have access to said email account.
  2. Fill in the OTP box with the OTP code you received via email.

We are here to help you

Start now and accelerate all your business payments. You can also contact us to discuss solutions that are best fitted for your business.
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PT. Dompet Harapan Bangsa (“OY! Indonesia”) registered and authorized by Bank Indonesia, Register Number 21/267/Jkt/3
PT. Dompet Harapan Bangsa (“OY! Indonesia”) registered and authorized by the Financial Services Authority, Register Number S-326/MS.72/2019
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OY! Indonesia registered as the electronic system provider at Indonesia Ministry of Communication and Informatics, Register Number 000019.01/DJAI.PSE/02/2021.
ISO 9001 Quality Management System, ISO 27001 Information Security Management System, ISO 37001 Anti-bribery Management System certified by BSI under certificate numbers FS 751090, IS 751086, and IABMS 780552
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