Account Transfer Guide

The transfer feature enables merchants to move funds between their Payin and Payout accounts within the SmilePayz platform. This guide provides comprehensive instructions for both manual and automatic transfer operations.

🚀 Overview

Account transfers allow merchants to:

• Move funds from Payin to Payout accounts
• Optimize fund allocation for different business needs
• Automate regular transfers for operational efficiency
• Maintain proper balance distribution across accounts

📋 Prerequisites

Before initiating transfers, ensure you have:

• ✅ Active merchant account
• ✅ Sufficient balance in source account
• ✅ Access to Finance section
• ✅ Proper account permissions

🔄 Manual Transfer Process

Step 1: Access Transfer Section

1. Navigate to Dashboard

   • Log in to your merchant dashboard
   • Locate the "Finance" section
   • Click on "Balance" submenu
   • Select "Payin" tab

2. Initiate Transfer

   • Click the "Transfer" button
   • You will be redirected to the transfer interface

Step 2: Configure Transfer Details

Transfer Configuration:

• Source Account: Payin account (automatic selection)
• Target Account: Payout account (only available option)
• Transfer Amount: Specify the amount to transfer
• Remark: Add optional notes for the transfer

Important Steps:

1. Enter the transfer amount
2. Add any relevant remarks
3. Click "Next" to proceed to confirmation
4. Review all details carefully
5. Click "Create" to execute the transfer

Step 3: Verify Transfer Completion

Balance Verification:

• Payin Account: Confirm amount has been deducted
• Payout Account: Confirm amount has been added
• Transaction Status: Verify transfer completion

⚙️ Automatic Transfer Configuration

Merchants can configure automatic transfers to streamline fund management operations.

Setup Process

1. Access Configuration

   • Navigate to "Setting" section
   • Click on "Configuration" submenu
   • Select "Transfer" tab

2. Configure Auto Transfer

   • Click on "Time" to set trigger schedule
   • Select "Where to transfer?" option
   • Configure transfer parameters

Configuration Options

Trigger Time:

• Default: 00:30:00 UTC+07
• Custom: Set your preferred time
• Frequency: Daily automatic execution

Transfer Conditions:

• Minimum Balance: Transfers only when balance exceeds threshold
• Currency Thresholds:
  • IDR: 10,000 IDR
  • THB: 200 THB
  • INR: 200 INR
  • BRL: 20 BRL
  • MXN: 100 MXN

Automatic Transfer Rules

• Default Trigger Time: 00:30:00 UTC+07
• Minimum Balance Requirements: Automatic transfers will not trigger if balance is below the specified thresholds for each currency

⚠️ Important Considerations

Transfer Limits

• Source Account: Only Payin to Payout transfers allowed
• Target Account: Payout account is the only destination
• Amount Limits: Subject to account balance and platform limits

Processing Time

• Manual Transfers: Immediate processing
• Automatic Transfers: Scheduled execution
• Verification: Allow 1-2 minutes for balance updates

Security Features

• Double Confirmation: Required for manual transfers
• Audit Trail: All transfers are logged
• Balance Validation: System verifies sufficient funds

🔍 Troubleshooting

Common Issues

Issue	Solution
Insufficient balance	Ensure adequate funds in source account
Transfer not completed	Check for system errors and retry
Balance not updated	Wait 1-2 minutes and refresh
Auto transfer not triggered	Verify balance exceeds minimum threshold

Error Messages

{
  "code": "INSUFFICIENT_BALANCE",
  "message": "Insufficient balance in source account",
  "data": null
}

📊 Best Practices

Manual Transfers

• Verify account balances before transfer
• Double-check transfer amounts
• Keep transfer records for reconciliation
• Monitor transfer confirmations

Automatic Transfers

• Set appropriate trigger times
• Monitor minimum balance requirements
• Review automatic transfer logs
• Adjust configuration as needed

Security

• Never share account credentials
• Monitor transfer activities
• Report suspicious transactions
• Keep transfer records secure

📞 Support

For assistance with transfer operations:

• Technical Support: For platform-related issues
• Financial Team: For transfer confirmations
• Account Management: For configuration assistance

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Note: Transfer functionality is essential for efficient fund management. Always verify transfer details and maintain proper records for accounting purposes.