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Below are the steps to handle manual disbursement inquiry, except:

• Only apply macro

• Find the transaction in #manual-disburse and check if FinOps already acknowledge

• Escalate the ticket via Zendesk to FinOps - provide transaction details

• Escalate to L2 if the transaction cannot be found in #manual-disburse

Answer explanation

Upon encountering txn that is processed via manual disbursement, we need to:

1. Check if we can find the txn in #manual-disburse channel and notify FinOps on the thread or escalate the ticket to FinOps via Zendesk with disbursement routing ID

2. If the txn cannot be found in the channel, we need to escalate it to L2

Do not only apply macro in the ticket if you find manual disbursement txn

Txn details:

- Amount: IDR 350,678,350

- Date: 7 April 2025; 15:48

- Status on AD: WAITING_FOR_AVAILABLE_CONNECTOR

When will the connector be available?

• Within 15 minutes

• 7 April 2025 EOD

• 8 April 2025 EOD

• 8 April 2025; 08:00 AM

Answer explanation

The amount of txn is > 250 mio - RTGS will be used to process the txn

RTGS has cut-off time at 13:59

Since the request was made after cut-off time, it will be processed on the next working day: 8 April 2025; 08:00

Below are the available switcher network that we have, except:

• ID_BSS_BIFAST

• ID_PERMATA_BIFAST

• ID_PRIMA

• ID_STANDARD_CHARTERED

Answer explanation

Switcher network: the network that we can use to help us to process the payout when the beneficiary is not one of our in-house services (BCA, Mandiri, BNI, BRI, Permata, BSS)

Current available switcher network: ID_PRIMA & BI FAST (Permata & BSS)

Standard Chartered is not one of our available switcher network

Txn details:

- Amount: IDR 567,093,421

- Date: 4 April 2025; 16:05

When will the transaction be processed?

• 4 April 2025

• 5 April 2025

• 6 April 2025

• 7 April 2025

• 8 April 2025

Answer explanation

Amount is > 250 mio - txn will be processed using RTGS

Since the txn was triggered during public holiday (RTGS service is not available), it will be processed on the next working day (8 April 2025; 08:00)

Use case:

I want to do disbursement with the amount of IDR 283,490,156

Below are the optimal time for me to do it if I want the transaction to be processed on the same day:

• 17 April 2025; 13:45:00

• 18 April 2025; 10:00:37

• 18 April 2025; 15:47:00

• 17 April 2025; 14:08:27

Answer explanation

Amount > 250 mio - will be processed via RTGS

RTGS availability is: working days between 08:00 - 13:59

Out of 4 options, the only timeframe where txn will be processed on the same day is only on 17 April 2025; 13:45:00

Other options are either already passed cut-off time or during holiday

Txn details:

- Amount: IDR 150,000,000

- Channel code: UOB

Ask:

In what scenario we will utilize RTGS service to process this transaction?

• When the transaction has been failed to be processed via our switcher connector

• It will not be processed via RTGS because the amount is less than IDR 250 mio

• When RTGS is the cheapest available connector

• If merchant got unlucky

Answer explanation

If txn is already failed when processed by our swithcer connector, we can still utilize RTGS to process it

See the provided screenshot, you can see that:

- Amount is IDR 150,000,000

- Channel code is UOB

• - Txn was processed via Permata BI Fast & BSS BI Fast but both were experiencing failure

• - Hence the transaction is routed to RTGS

In this case, it's still possible to utilize RTGS service even though the amount is less than 250 mio

What is the priority order for our connector?

• 1. In house connector (BCA, Mandiri, BNI, BRI, Permata, BSS)

  2. Switcher connector (BI Fast and Prima)

  3. RTGS

  4. Manual disbursement

• 1. In house connector (BCA, Mandiri, BNI, BRI, Permata, BSS)

  2. Switcher connector (BI Fast and Prima)

  3. Manual disbursement

  4. RTGS

• 1. In house connector (BCA, Mandiri, BNI, BRI, Permata, BSS) & Switcher connector (BI Fast and Prima)

  2. RTGS

  3. Manual disbursement

• 1. In house connector (BCA, Mandiri, BNI, BRI, Permata, BSS)

  2. Switcher connector (BI Fast and Prima)

  3. RTGS & manual disbursement

Answer explanation

Correct prioritization is:

1. In house

2. Switcher (BI Fast & Prima)

3. RTGS

4. Manual disbursement

If we can utilize our in house connector first, then in house connector will be top priority with the consideration of: high success rate and lower fee

Example: payout with channel code Mandiri will utilize Mandiri (in house) connector first before using switcher

The txn will use switcher if the in house connector is experiencing failure