E-Wallet Integration on big77
Our payment architecture treats each e-wallet as a direct link to your personal account. When you select DANA as your deposit method, we do not store your wallet credentials on our servers. Instead, we redirect you to e-wallet's authentication interface, you approve the transaction, and mobile banking confirms the payment back to big77. This pass-through model means your wallet password never touches our platform.
We support this flow for local payment, online payment, e-wallet, and mobile banking through their official APIs. For local payment and online payment, we handle transactions slightly differently — e-wallet generates a one-time code you scan, and mobile banking works through any supporting bank app. These alternate flows ensure redundancy; if one payment method is slow, you have alternatives.
For bank virtual accounts (local payment, online payment, e-wallet, mobile banking), we generate a unique account number specific to your big77 profile. You transfer funds to that number from your personal bank account using your phone or online banking. Once we confirm the transfer, your big77 balance updates. This method is slower than e-wallets but offers a traditional banking alternative if you prefer not to use mobile wallets.
local payment Deposit and Withdrawal
online payment is our most popular e-wallet partner because it is widely used across Indonesia. To deposit via e-wallet on big77, you tap the deposit button, select mobile banking, enter your desired amount, and confirm. Our system redirects you to local payment's app or web interface where you authenticate using your PIN or biometric. Once approved, the funds move to your big77 balance within seconds.
account preferences vary by e-wallet provider.
online payment typically supports deposits of modest amounts; for larger transfers, we recommend bank virtual accounts or multiple smaller deposits.
Withdrawals to e-wallet follow a similar flow but in reverse. You request a payout from your big77 balance, specify mobile banking as the destination, and our backend verifies that the local payment account you are withdrawing to matches the one you used for deposits. This verification step is a security measure — it prevents account takeover where someone gains access to your big77 account and diverts winnings elsewhere. Once verified, the withdrawal enters our review queue. We typically process online payment withdrawals within one business day, though peak periods during Liga 1 matchdays or Idul Fitri may extend this.
e-wallet and mobile banking Usage
local payment and online payment operate on similar principles to e-wallet but have slightly different fee structures. Both are widely accepted across big77 and offer subject to verification confirmation. When you deposit via mobile banking, we send you through local payment's authentication layer. The same applies to online payment — your credentials are never stored by us, only verified by the wallet provider.
Account Binding and KYC
Before your first withdrawal, we ask you to verify that the local payment or online payment account you linked matches your identity. This KYC step is mandated by Indonesian financial regulations. You provide your ID number, and we cross-check it against the wallet provider's records.
Once verified, you can deposit and withdraw freely. e-wallet and mobile banking withdrawals typically settle within one business day. We recommend withdrawing to the same wallet you used for deposits — this speeds up verification and reduces the risk of funds being blocked during security review.
local payment operates similarly and is integrated into the Shopee ecosystem, making it convenient if you are already a Shopee user. Deposits and withdrawals via online payment follow the same verification and processing timelines as e-wallet and mobile banking.
Bank Virtual Account Flow
For users who prefer traditional banking, we offer virtual accounts through local payment, online payment, e-wallet, and mobile banking. When you select a bank VA on our deposit screen, we generate a unique account number that remains tied to your big77 profile. You copy this number, log into your bank app, and transfer funds as you would to any other account. There is no e-wallet app step; it is purely your bank to our bank.
Bank VAs typically take 2–4 hours to confirm, depending on the bank and time of day. Transfers made after business hours or on weekends may take longer. Once confirmed, the balance appears in your big77 account automatically. For withdrawals, we reverse the flow — you request a payout, we send it to your linked bank account (the one you registered with during KYC), and the bank deposits it within 1–2 business days.
One advantage of bank VAs is higher withdrawal limits compared to e-wallets. If you have substantial winnings, a bank VA withdrawal may complete faster than multiple e-wallet transactions. However, bank fees (typically a small percentage per transfer) may apply depending on your bank's policies.
Security During E-Wallet Transactions
We encrypt all payment data using industry-standard protocols. When you submit a deposit or withdrawal request, your transaction passes through a secure tunnel that no third party can intercept. The e-wallet provider (local payment, online payment, etc.) handles your credentials independently; big77 only receives confirmation that the transaction succeeded.
Two-factor authentication is available in your big77 account settings. We recommend enabling it, especially if you regularly handle large balances. With 2FA active, each withdrawal request requires a confirmation code sent to your registered phone number. This added step prevents unauthorized payouts even if someone gains access to your login password.
Key takeaways
- We support six e-wallet and banking payment methods across Indonesia.
- Deposits settle instantly via e-wallets; bank VAs take 2–4 hours.
- Withdrawals require identity verification and settle within one business day typically.
- We never store your e-wallet password; authentication happens through the wallet provider's secure interface.
- Enable two-factor authentication for additional account security.
Fees, Limits, and Verification
Each e-wallet and bank charges transaction fees set by their respective provider, not by big77. These fees are transparent — our app shows you the exact amount before you confirm. For e-wallet deposits, fees are typically minimal or waived for standard amounts. For bank VAs, fees range from a small fixed amount to a percentage of the transfer, depending on your bank.
account preferences are also set by each provider. mobile banking and local payment have daily and monthly caps to comply with anti-money laundering rules. Bank VAs typically allow larger single transfers but may be subject to your personal bank account's daily transfer limit. We display these limits in the app when you select a payment method.
We require full identity verification (KYC) before your first withdrawal. You provide your ID number, phone number, and confirm these during the registration process. When you request a withdrawal, we cross-check your payout method against your verified identity to ensure funds go to the rightful owner. This verification typically completes within 24 hours on business days.
Resolving a Stalled Transaction
If a deposit does not credit your big77 account within the expected timeframe, do not panic. First, check your e-wallet or bank app to confirm the payment left your account. If it did, the issue is typically on our end — a temporary backend lag or a connection interruption during confirmation.
Contact our support team through the in-app chat during business hours. Provide your transaction ID (available in your online payment, e-wallet, or bank transaction history) and the time you initiated the payment. We can check our payment gateway logs and either process the credit manually or coordinate with the payment provider to investigate. Most stalled deposits resolve within 24–48 hours.
For withdrawals under review, we may request additional documentation if we detect an unusual pattern — for example, a withdrawal to a different bank account than the one used for deposits. This is a fraud prevention measure. We will contact you through the email or phone number in your account. Once we verify the request, the payout proceeds. During peak periods (around Piala AFF tournaments or Idul Adha holidays), our review queue may move slower, but we prioritize security over speed.
We do not charge fees for support or transaction investigation. If a payment fails due to our error, we will credit your account the lost amount plus any applicable fees you incurred.
Payment Methods Summary on big77
- mobile banking: subject to verification, one business day withdrawals.
- local payment / online payment / e-wallet: subject to verification, one business day withdrawals.
- mobile banking / local payment: subject to verification via scanning, standard withdrawal timing.
- Bank VAs (online payment, e-wallet, mobile banking, local payment): 2–4 hour deposits, 1–2 day withdrawals.
