Balance & Disbursements

Balance

Go to Finance → Balance to view your payment gateway balance and account statement.

Note

When a customer pays via their Virtual Account (VA), the balance updates automatically and the payment is applied to their outstanding invoices — no manual action needed.

Balance Cards

Card	Description
Available Balance (Cash)	Funds available and ready to use
Holding Balance (Pending)	Funds that are pending settlement

Account Statement

Below the balance cards, the Account Statement table shows all payment gateway transactions:

Column	Description
Date	Transaction date and time
Description	Transaction description or reference
Debit	Money out (disbursements, fees)
Credit	Money in (customer payments)
Fee Bank	Bank/transfer fees for this transaction
Balance	Running balance after this transaction

Use the search (by reference/document number), date range, and cashflow direction filters to find specific transactions.

Transaction Fees

Each transaction is subject to a bank fee (visible in the Fee Bank column). This fee is charged by the respective bank — not by the application.

Transaction Type	Fee
Money in (customer VA payment)	Rp 4,000 + 11% PPN
Money out (disbursement / bank transfer)	Rp 2,500 + 11% PPN

Disbursement

Go to Finance → Disbursement to pay approved expenses via bank transfer.

At the top of the page, two balance cards show your current payment gateway balance:

Card	Description
Available Balance (Cash)	Funds available and ready to use
Holding Balance (Pending)	Funds that are pending settlement

Expense List

Below the balance cards, the Expenses table lists all approved expenses that are ready for disbursement. Use the search box or date range filters (date from / date to) to narrow down the list.

Column	Description
No	Expense number
Date	Expense date
Recipient	Vendor name
Amount	Total expense amount
Paid	Amount already paid
Balance	Remaining amount to pay

Each row shows one of two actions:

• Request Payment — shown if no payment request has been made yet (requires create permission)
• View Detail — shown if a payment request already exists for this expense

Requesting a Payment

1. Find the expense in the list.
2. Click Request Payment on that row. A drawer opens on the right.
3. The drawer shows a summary card at the top with the Expense No., Vendor, Amount, and remaining Balance.
4. Fill in the recipient bank details:

Field	Required	Notes
Transfer Channel	✅	Destination bank (searchable)
Account Number	✅	Recipient bank account number
Account Holder	✅	Pre-filled from vendor name; edit if needed
Recipient Email	✅	Transfer receipt notification will be sent to this email
Reference ID	✅	Pre-filled from expense number
Amount (IDR)	✅	Pre-filled from expense total; edit if paying partially
Description	—	Optional note; appears on the recipient’s bank statement

5. Click Submit Request. You are redirected to the disbursement detail page.

Disbursement Detail Page

After submitting a request, or by clicking View Detail on an expense row, you land on the disbursement detail page. It shows:

• Transfer Amount, recipient name, bank, and account number
• Status badge, Reference ID, and request date
• Alert banner — shown if the transfer failed or was rejected, with the reason
• Transfer Details — Transfer Channel and Internal Reference
• Transfer Timeline — a step-by-step progress of the disbursement:
  1. Request Created
  2. Approved / Rejected
  3. Submitted to Bank
  4. Transfer Completed / Failed / Cancelled / Reversed

The header shows action buttons depending on the current status:

Status	Available Actions
Pending Approval	Approve (submits to bank) or Reject (with reason) — requires approve permission
Processing	Cancel — requires update permission
Failed	Edit & Retry — correct bank details and resubmit
Succeeded / Rejected / Cancelled / Reversed	No actions

Disbursement Statuses

Status	Description
Pending Approval	Request submitted, awaiting internal approval
Processing	Approved and being processed by the bank
Succeeded	Transfer completed successfully
Failed	Transfer failed; use Edit & Retry to correct and resubmit
Rejected	Request was rejected internally
Cancelled	Request cancelled before completion
Reversed	Transfer was reversed after completion