# Accept a Payment

## Enable payment channels

View your [payment channels settings](https://dashboard.harsya.com/setting/available-services) and enable the payment methods you want to support by contacting our Commercial team through email at <sales@harsya.com>

## Make your first transaction

You need at least one payment channel to create a payment, here's how to create one:

1. **Prepare API Integration**\
   Go to the [API Integration](https://harsya.gitbook.io/harsya-docs/for-developers/api-integration) section to seamlessly connect with the Payment API&#x20;
2. **Collect payment details**\
   Gather customer [payment information](https://app.gitbook.com/s/3WZT4LXQqtqxkWcebrzG/payments-v.1/payment-object) while ensuring compliance with industry standards
3. **Create Payment API**\
   Use the [Payment API](https://app.gitbook.com/s/3WZT4LXQqtqxkWcebrzG/payments-v.1) to initiate and manage payment requests efficiently
4. **Handle post-payments events**\
   Harsya sends a PAYMENT.SUCCESS event when the payment is completed. Follow the [Webhook or Callbacks guide](https://harsya.gitbook.io/harsya-docs/for-developers/webhook-or-callbacks) to receive these events&#x20;

## Withdraw your funds

Send funds from your Harsya Balance to your chosen destination bank account through Withdrawal. It can be done anytime in the Harsya dashboard and is free of charge, here's the steps:

### Register your Bank Account

To add withdrawal bank accounts, contact our Operational team through email at <helpdesk@harsya.com>

### Select your withdrawal type

#### **Manual Withdrawal**

This type is *only applicable for Payment balance*, you can either withdraw the balance to your registered bank account or your Payout balance, here's the steps:

1. **Navigate to Withdraw**\
   Locate the "Withdraw" action within the "[Payment](https://dashboard.harsya.com/payment/payment-history)" menu
2. **Define Withdrawal amount**\
   Decide the desired amount to be withdrawn&#x20;
3. **Choose Withdrawal destination**\
   Decide either to withdraw the balance to your registered bank account or your Payout balance
4. **Confirm Withdrawal**\
   Click "Confirm" and input PIN to proceed with the withdrawal

<figure><img src="https://3523881390-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F4z4Mi64gEA6dwxJeC5wQ%2Fuploads%2FFPTlaaqiRgrjFVmF4yye%2FScreenshot%202025-01-19%20at%2023.46.00.png?alt=media&#x26;token=2f65b867-bee2-4803-93ba-80fd063a5451" alt=""><figcaption></figcaption></figure>

#### **Auto Withdrawal**

Automatically transfer your payout and payment balance daily with the flexibility to toggle it on or off, here's the steps:

1. **Navigate to Deposit**\
   Locate the "[Deposit](https://dashboard.harsya.com/setting/deposit)" menu within the "Settings" section
2. **Switch the toggle** \
   Switch the toggle "on" then auto withdrawal is activated

{% hint style="info" %}
Insider Tips!

To streamline your payout process, keep the Auto withdrawal feature off, so you can reduce frequent top-ups in every transaction.
{% endhint %}

{% hint style="info" %}
Important Notes:

If the Auto withdrawal feature is off, the funds will stay for 50 days (from the last transaction\*). If there is no activity in the respective balance, the funds in that balance will be automatically withdrawn according to the withdrawal schedule.\
\
\*Payout: Virtual Account / manual top-up, payout \
\*Payment: Payment-in, manual withdrawal
{% endhint %}

<figure><img src="https://3523881390-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F4z4Mi64gEA6dwxJeC5wQ%2Fuploads%2Fpd0z9a1r5HD926Ho1b1K%2FScreenshot%202025-01-19%20at%2023.50.06.png?alt=media&#x26;token=e38fe5ed-7cce-4551-9d49-80bb271fc48f" alt=""><figcaption></figcaption></figure>

### Track your withdrawal status

Withdrawal transactions and their status are recorded in the dashboard, here's how to check:

#### **Balance History Menu**

1. **Navigate to Balance History**\
   Click the "[Balance History](https://dashboard.harsya.com/transaction-history)" menu
2. **Filter Transaction Type**\
   Choose "Withdrawal: Payment" or "Withdrawal: Payout" transaction type to track the withdrawal status

#### Domestic Payout Menu

* **Navigate to Dashboard**\
  Locate the "[Dashboard](https://dashboard.harsya.com/disbursement)" section within the "Domestic Payout" menu
* **View Payout Withdrawal History**\
  Click the "View Payout Withdrawal History" section within the "Dashboard" section, then you'll be redirected to the Balance History Menu

#### Payment Menu

* **Navigate to Withdrawal**\
  Locate the "[Withdrawal](https://dashboard.harsya.com/payment/withdrawal-history)" section within the "Payment" menu
* **Filter Status**\
  Track the withdrawal status

### Withdrawal limits and processing time

| Withdrawal type                               | Amount                   | Processing time                                                                                                                                                                      |
| --------------------------------------------- | ------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| Manual withdrawal to registered bank accounts | IDR 10.000 - 250.000.000 | <p>Process begins once you confirm the withdrawal.<br><br>The time of arrival of funds depends on your bank’s processing time and may be affected by the banks’ operational hour</p> |
| Manual withdrawal to Payout balance           | IDR 10.000 - 250.000.000 | Real-time                                                                                                                                                                            |
| Auto withdrawal                               | IDR 10.000 - 250.000.000 | <p>Process begins at 23.00 (UTC+7) every day.<br><br>The time of arrival of funds depends on your bank’s processing time and may be affected by the banks’ operational hour</p>      |