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What are eWallets?

eWallets, also known as digital wallets, are online prepaid accounts used to store money and transact online and offline through a computer or smartphone. Some eWallets also allow users to add funds to their account through non-fiat currency (e.g. rewards points, etc.).

Supported eWallets

Xendit currently supports the OVO eWallet, through both XenInvoice and via a direct API endpoint, just like our other payment methods. That means whether you choose to have your own invoicing system or you use Xendit’s, your customers will be able to pay via OVO cash or points!

Activating OVO

To activate OVO, please speak with your Xendit Account Manager, who will collect the required information for onboarding. Account activation may take up to 5 working days.

Implementing OVO via XenInvoice

  1. When activated customers create a XenInvoice, OVO will be listed as a possible payment method

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  2. If OVO is chosen by the end customer as their payment method, the end customer will be asked to enter their OVO ID (e.g. the phone number tied to their OVO account)

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  3. Entering the OVO ID will trigger a push notification for the end customer to verify the payment from their smartphone. Once the push notification is sent to the end customer's OVO app, they will have 30 seconds to respond and verify the transaction.

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  4. If the end customer approves the transaction from their smartphone and there is sufficient cash or points in the customer’s OVO account, the transaction will successfully process

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Implementing OVO via direct API

Once your account has been activated for OVO, you can call eWallet API to initiate an OVO payment.

Please see our documentation here for further details on using eWallet API.


Xendit can process refunds instantly for same day transactions, and can provide refund support for up to 30 days following the transaction. Please contact your Xendit Account Manager for additional information.


  1. Are there invoice amount limits for OVO payments?

    XenInvoice has a limit of Rp 999.999.999, but the maximum amount that can be received in a single OVO payment is Rp 10 mio.

  2. Can my customers pay via cash, points, or a combination of both?

    Yes, customers will be able to select whether they would like to pay via OVO cash or points or even split the payment with cash and points.

  3. What happens if my customer has insufficient balance in their OVO account?

    If the end customer does not have sufficient balance, when the end customer generates a push notification to their phone, the OVO system will detect insufficient balance. In order for the transaction to proceed, the end customer will need to top-up their OVO balance before making their payment.