How it works
What happens to your payment, step by step.
Every payment goes through the same eight steps. At each one we send you a short message in Telegram or by email, so you always know where your money is.
- 8 stepsfrom quote to credit
- 1 messageat every step, in Telegram or by email
- Documentsfor your accountant at the end
Eight steps from quote to credit
Payments funded before the bank cut-off are usually sent the same business day and credited within one to two business days.
Quote locked
15-minute timer
Awaiting USDT
address and network shown
USDT received
confirmations and hash
Compliance check
may ask for documents
Converted
rate fixed
Transfer sent
MT103 and UETR
Awaiting credit
tracked by UETR
Credited
confirmed by bank or by you
Each status in detail
Quote locked
You confirm the amount, the currency and where the money goes. The rate, the Arkipo fee and the payment order fee are fixed for 15 minutes, and we issue a payment order under the agent agreement.
- Duration
- up to 15 minutes
- You receive
- payment order (PDF), quote with timestamp
- You do
- send the exact amount before the timer ends
Awaiting USDT
We send you the USDT address for this payment, with the network and the exact amount. USDT sent on the wrong network cannot be recovered, so the message says it twice.
- Duration
- until your transfer is seen on-chain
- You receive
- address, amount, network and the 15-minute timer
- You do
- send from a wallet or platform account in your name
USDT received
We confirm the transaction on-chain and record the hash. If the amount is short, you can top up; if it is late, the rate is re-quoted and you confirm again.
- Duration
- within the business hour
- You receive
- a message with the hash, the amount and the next step
- You do
- nothing
Compliance check
An analyst confirms the invoice matches the beneficiary and checks the beneficiary and the purpose against sanctions lists and prohibited categories. First payments to a new beneficiary and on-request countries may go to the sub-status “Documents required”.
- Duration
- within the business day; up to 48 hours if documents are requested
- You receive
- clearance notification, or a list of documents with a deadline
- You do
- send documents if asked
Converted
Our licensed partners convert the USDT into the payout currency at the locked rate. The exact rate, amount and time go into the agent report. Up to this point you can still cancel the payment at no cost.
- Duration
- within the business hour
- You receive
- rate confirmation line in the order
- You do
- nothing
Transfer sent
Our bank sends the payment. For SWIFT you get the UETR tracking number and, on request, the MT103. For transfers inside Indonesia you get the bank's transfer confirmation. An MT103 proves the money was sent, not that it arrived; the next two steps cover that.
- Duration
- funded before the cut-off: same business day
- You receive
- bank confirmation (MT103 on request), UETR, our invoice, agent report, letter confirming we paid on your behalf
- You do
- forward the confirmation to the beneficiary if they ask
Awaiting credit confirmation
We track the payment through the bank network by UETR where available and ask the beneficiary's bank for a credit confirmation on SWIFT payments older than two business days. Delays here are usually a correspondent asking the beneficiary's bank a question.
- Duration
- typically 1–2 business days (SWIFT), within hours (BI-FAST)
- You receive
- a message when the status changes
- You do
- optionally mark “received” when the beneficiary confirms
Credited
The beneficiary's bank confirmed the credit, or you confirmed it. The order closes, the document set is final and the payment appears in your monthly statement.
- Duration
- final
- You receive
- closing message; the full document set by email
- You do
- nothing
If something goes wrong
Four situations, each with a clear outcome agreed in advance.
Sub-status of compliance
We tell you exactly which documents we need, why, and by when (48 hours). Send them to us and the check resumes the same business day. If we cannot proceed, the USDT goes back to the sending address minus the network fee.
After “Transfer sent”
The beneficiary's bank rejected the payment: closed account, name mismatch or a compliance hold. We show you the bank's reason. You choose: resend with corrected details, or a refund in USDT at the locked rate minus the bank's return charge.
Before USDT arrived
Nothing was sent, nothing is charged. If USDT arrives after expiry we re-quote at the current rate; you confirm the new amount, and any difference is settled from the next payment or refunded.
On your request
Before conversion: full USDT refund minus the network fee. After conversion but before sending: refund at the current rate. After sending: only a bank recall, which the beneficiary's bank may refuse.
Getting paid from abroad
Five steps. We pay you only after the incoming transfer is final, because bank transfers can be recalled for a short time.
- 1Awaiting incoming transferYou share our bank details and the unique reference with your customer.
- 2Transfer received (provisional)Matched by our desk by reference, amount and sender; you are notified.
- 3Final credit and source checkThe recall window closes; the sender is checked against sanctions lists.
- 4ComplianceInvoice and contract match the sender and your profile.
- 5USDT sentTo the address agreed in your agreement, with the transaction hash and the agent report.
Timing by rail
| Rail | Cut-off | Sent | Credited | Tracking |
|---|---|---|---|---|
| SWIFT | bank cut-off, confirmed in your quote | same business day | typically 1–2 business days | UETR · gpi |
| BI-FAST | desk hours, 09:00–21:00 WITA | same business day | within hours | bank reference |
Notifications
Every step change goes to the channels you choose: email or Telegram. Each message names the order, the new step and the next expected event.
Ready?