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What are the rails used for interbank fund transfers and how does interbank fund transfer work?

Direct utilizes Instapay rail for interbank fund transfer In The Philippines.

Direct uses Online Transfer for interbank fund transfers in Indonesia.

Currently, Direct does not utilize other interbank rails such as Pesonet (PH), LLG (ID), or RTGS (ID).

If you are interested to explore other payment rails, reach out to our team at

Interbank fund transfers on Direct are processed in the following sequence:

End user selects a source bank. The transfer is considered as an interbank fund transfer End user proceeds to authorize and the fund is routed by the source bank to the beneficiary bank through Instapay rail (PH) or Online Transfer (ID) in real time.

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