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DANA deposit and withdrawal

DANA is one of the fastest e-wallet options on 9horses. To deposit via DANA, log into your account, navigate to the Deposit section, and select DANA from the payment method list. Confirm the amount (our platform accepts descriptive ranges from small to large transactions), and you are directed to the DANA app or web interface. Authorize the payment; the transfer completes in subject to verification, and the funds appear in your 9horses balance immediately. For withdrawal, go to the Withdraw section, select DANA, and enter the amount. Your DANA PIN verification is required. Our system processes the reversal in approximately subject to verification after standard verification checks. Both DANA and our platform maintain transaction records; if a deposit does not credit within subject to verification, contact our support team with your transaction reference number from DANA and your account email. DANA also supports the QRIS unified payment code, allowing you to scan and pay using any linked bank account on the DANA platform.

OVO and GoPay usage

OVO and GoPay are similarly structured but operate through separate systems. To use OVO, first link your OVO account to your 9horses profile in the Settings section. You provide your OVO phone number and authorize the binding via OVO's authentication flow. Once linked, deposits via OVO appear instantly; withdrawals reverse to your OVO balance within subject to verification. GoPay follows the same pattern: link your account, deposit (instant), and withdraw (subject to verification depending on GoPay's backend processing). Both e-wallets require KYC verification on their end; if you have not verified your identity on OVO or GoPay, the platforms may decline large transactions. Our support team cannot override e-wallet limits; you must complete verification directly with OVO or GoPay if you encounter restrictions. Monthly spending caps on e-wallets are set by the providers, not by 9horses. Always check your e-wallet balance before initiating a withdrawal; if your balance is insufficient, the transaction fails and your 9horses balance remains unchanged.

BCA, Mandiri, BRI, BNI virtual account

Bank virtual accounts (VA) offer a familiar bank-transfer experience. Upon first login after account verification, 9horses assigns you a unique virtual-account code for each of the four supported banks: BCA, Mandiri, BRI, and BNI. You only need to use one; all four codes link to your single 9horses account for convenience. To deposit, copy your assigned VA code, open your bank's app or online portal, and transfer the desired amount to that code. Processing takes subject to verification (varies by bank and time of day). The funds automatically credit your 9horses balance once the bank confirms the transfer. For withdrawal, navigate to the Withdraw section, select your preferred bank, and submit the request. Our system reverses the amount to the same bank account you have linked in your bank's system within subject to verification during business hours. Withdrawals requested after 2 PM may settle the next business day. Bank virtual accounts do not charge extra fees beyond your bank's standard transfer rates (if any); most Indonesian banks offer free VA transfers to registered merchants.

Fees, limits and verification

9horses does not charge deposit or withdrawal fees directly; however, your bank or e-wallet provider may apply transfer fees based on transaction size. Deposit and withdrawal limits depend on your account verification status. Unverified accounts can deposit but have restricted withdrawal ceilings (typically our welcome offer–2,000,000 per transaction). Once you complete KYC verification (upload ID and address proof), withdrawal limits increase to a higher range that scales with your account activity and history. Specific limit numbers vary by account age and region; our support team can provide your personal limit upon request. ShopeePay, LinkAja, and QRIS may have their own daily or monthly caps set by the payment provider; these are not controlled by 9horses. All transactions above a certain threshold trigger additional verification steps (e.g., SMS confirmation or security questions). This process protects your account from unauthorized access and typically adds subject to verification to processing time. If a transaction is declined during verification, contact our support team with your reference number, and we can assist in resolving the issue.

Resolving a stalled transaction

If your deposit does not credit within the expected window (typically subject to verification for e-wallets, subject to verification for bank transfers), first check your 9horses transaction history and your payment provider's app to confirm the status. Look for a reference number or transaction ID. If your payment provider shows "completed" but 9horses shows "pending," our system may be processing the transfer; wait up to subject to verification total. If 1 hour passes with no credit, open a support ticket with your account email, transaction reference, payment method, and amount. Provide a screenshot from your bank or e-wallet showing the successful transfer. Our team investigates the mismatch, typically within 4–12 hours, and either credits your account manually or advises on next steps. For withdrawal delays (expected window exceeded by over subject to verification), the same process applies. Common causes include: payment provider processing delays (especially during peak hours), incorrect VA code entry, or network timeouts. Our support team can reset a stalled transaction or initiate a refund if the payment was deducted but never reached 9horses. Always keep transaction receipts and reference numbers until you confirm the funds have settled in your 9horses or bank account.