Settlement

Overview

Withdraw (in the sidebar) is where your settlement balance becomes a bank transfer. It’s also the only place balance-related concepts — pending vs. available, bank accounts, and withdrawal history — come together in one page.

Pending vs. available

A successful payment doesn’t become withdrawable immediately. It goes through two states:

1. Pending settlement — credited to your balance right after the payment succeeds, but not yet withdrawable.
2. Available (labeled “Available to withdraw”) — released automatically on a T+3 business day schedule from the payment’s paid time, respecting weekends and Indonesian public holidays. A background process checks for balance that has crossed its release time roughly every minute, so it becomes available shortly after the T+3 mark passes, not at midnight or on a fixed batch schedule.

Both figures are also visible from the top bar on every dashboard page, and as stat cards on Overview. See a specific payment’s own release timeline on its transaction detail page.

Bank accounts

Withdrawals only go to a verified bank account. Add one from Bank accounts → Add bank account:

Field	Notes
Bank	One of the banks Baiyar supports for payout
Account number	The destination account number
Account holder name	Should match your verified Baiyar identity — a mismatch is the most common reason a new account gets rejected

A bank account then moves through its own status:

Status	Meaning
Pending	Verification hasn’t completed yet
Under review	New accounts start here while reviewed
Verified	Approved — can receive withdrawals
Rejected	Could not be verified (commonly a name mismatch)
Suspended	Temporarily unavailable

You can keep up to 5 active or pending accounts, and set any verified one as primary — the default destination for new withdrawals.

Caution

Adding a bank account requires Baiyar’s bank-verification provider, which isn’t connected in every environment yet. If Add bank account doesn’t complete, that’s why — it isn’t specific to your account.

Requesting a withdrawal

Once you have a verified bank account with available balance, Withdraw money opens a review step: amount, destination, account holder, the flat withdrawal fee, and what you’ll actually receive after the fee — confirm to submit.

Withdrawal history

Every withdrawal is tracked below the bank accounts section, searchable by reference and filterable by status and date range:

Status	Meaning
Created	Just submitted
Pending review	Awaiting manual review before it’s sent to your bank
Processing	Sent to your bank, in flight
Completed	Arrived at the destination account
Failed	Could not be completed — the amount is returned to your available balance
Cancelled	Cancelled before processing
Reversed	Completed, then reversed

Next steps

• Overview for where these balance figures also appear.
• Transactions for the payments behind your balance.