Plugipay managed
Managed payments are launching soon. Plugipay is finalizing its platform registration with Xendit. Until then, connect your own provider — see BYO Xendit, Midtrans, or PayPal — or use manual transfer. This page describes how managed mode will work once it's live.
In managed mode, Plugipay owns the relationship with the underlying payment provider. You don't need a Xendit, Midtrans, or PayPal account — we provide the rails. You get one unified API and one combined bill.
It will be the fastest way to start accepting payments — no provider sign-up at all.
What you get
- No provider sign-up. Skip the days-long account verification with each provider.
- One bill. A single statement covering processor fees and Plugipay fees.
- One support contact. Reach us for anything — we deal with the upstream.
- Geographic coverage — we use the right provider per region without you configuring anything.
What you give up
- Direct relationship with the provider. You don't see Xendit/Midtrans dashboards or get their direct support.
- Provider-specific features. Niche provider features (specific local payment methods, exotic refund options) are exposed when we expose them — not before.
- Slightly higher per-transaction cost vs. BYO. We bundle a service fee on top of the wholesale rate.
Available payment methods
In managed mode, Plugipay routes payments through whichever provider gives best coverage for the customer's market. The methods we support cover most use cases:
| Method | Markets | Notes |
|---|---|---|
| Cards (Visa, MC, JCB, AmEx) | Global | 3DS supported. AmEx in select markets. |
| Indonesian bank transfer (BCA, Mandiri, BNI, BRI, Permata) | Indonesia | Virtual account flow. |
| GoPay / OVO / DANA / ShopeePay | Indonesia | E-wallet redirect. |
| QRIS | Indonesia | Static and dynamic QR. |
| Apple Pay / Google Pay | Global (where issuer supports) | Through card rails. |
Other methods (PayPal balance, SEPA, sofort, etc.) require BYO mode — see Bring your own.
How the orchestration works
When you create a checkout session, Plugipay decides which upstream provider to use based on:
- The customer's likely market (from IP and locale)
- The payment methods you've enabled for the workspace
- Provider availability (we monitor uptime continuously and fail over)
This decision is invisible to you. The API contract you get is uniform regardless of the underlying provider — an Indonesian customer paying via QRIS and an Australian customer paying via Visa look identical in your code.
If you need to know which provider handled a specific payment (e.g., for finance reconciliation), the payment's metadata.provider field tells you (xendit_managed, midtrans_managed, stripe_managed, etc.).
Switching from managed to BYO
You can switch at any time:
- Sign up for the upstream provider yourself.
- Connect their API keys in Settings → Payment methods.
- Toggle the workspace mode to BYO.
Your existing managed-mode payments aren't affected — refunds on old payments still work through the original provider. New payments go through your account.
The reverse (BYO → managed) is just as smooth.
Settlement timing
Managed-mode payouts to your bank account follow this default schedule:
- Cards: T+1 (one business day after the payment)
- Bank transfer / e-wallet / QRIS: T+1 (Indonesian rails) or T+2 (international)
- Apple/Google Pay: T+1 (same as cards)
You can request faster settlement (T+0, same-day) once you've established history with us — rough threshold is 90 days of clean processing.
Compliance
In managed mode, Plugipay is the merchant of record for compliance purposes:
- PCI-DSS: we hold the certification; you stay out of scope as long as you use hosted checkout (no raw card data ever touches your servers).
- KYC: we conduct KYC on your business at workspace setup. Bank statements + business registration + ID for the principal — standard requirements.
- AML: ongoing transaction monitoring on our side. We may pause or refund specific transactions that trigger AML rules.
If you have specialized compliance needs (high-risk vertical, large ticket sizes, international card-not-present), let us know upfront. We sometimes route those through different providers or require additional documentation.
Next
- Concepts — the underlying model.
- Pricing — what managed mode costs.
- Xendit (BYO) — the BYO alternative for Indonesian payments.