Xfers

aid: xfers
name: Xfers
description: Xfers is a Southeast Asian payments infrastructure company founded in Singapore in 2015 and backed by 500 Global,
  providing bank-transfer collection, payouts, escrow-style wallets, and lending disbursement APIs across Singapore and Indonesia.
  Xfers merged with Payfazz in 2022 to form the Fazz Financial Group, with its regulated Singapore dollar stablecoin and payments
  business continuing as StraitsX; the Xfers v3 API documentation for Singapore and Indonesia remains published at docs.xfers.io.
url: https://raw.githubusercontent.com/api-evangelist/xfers/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-successors:
- name: Fazz
  url: https://fazz.com
- name: StraitsX
  url: https://www.straitsx.com
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
image: https://docs.xfers.io/Xfers_X_Blue_Small.png
tags:
- Payments
- Fintech
- Bank Transfers
- Digital Wallets
- Lending
- Singapore
- Indonesia
- Southeast Asia
apis:
- aid: xfers:xfers-bank-account-api
  name: Xfers Bank Account API
  description: API to manage Bank Account
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Bank Account
  properties:
  - type: OpenAPI
    url: openapi/xfers-bank-account-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-charge-api
  name: Xfers Charge API
  description: API for Charges
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Charge
  properties:
  - type: OpenAPI
    url: openapi/xfers-charge-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-convenience-store-transfers-api
  name: Xfers Convenience Store Transfers API
  description: The Convenience Store Transfers API from Xfers — 1 operation(s) for convenience store transfers.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Convenience Store Transfers
  properties:
  - type: OpenAPI
    url: openapi/xfers-convenience-store-transfers-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-cutting-edge-api
  name: Xfers cutting_edge API
  description: The cutting_edge API from Xfers — 2 operation(s) for cutting_edge.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - cutting_edge
  properties:
  - type: OpenAPI
    url: openapi/xfers-cutting-edge-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-direct-bank-transfer-payments-api
  name: Xfers Direct Bank Transfer Payments API
  description: The Direct Bank Transfer Payments API from Xfers — 1 operation(s) for direct bank transfer payments.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Direct Bank Transfer Payments
  properties:
  - type: OpenAPI
    url: openapi/xfers-direct-bank-transfer-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-disbursements-api
  name: Xfers Disbursements API
  description: API for Disbursement
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Disbursements
  properties:
  - type: OpenAPI
    url: openapi/xfers-disbursements-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-e-signature-api
  name: Xfers E-signature API
  description: API for e-signature
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - E-signature
  properties:
  - type: OpenAPI
    url: openapi/xfers-e-signature-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-fixed-virtual-account-bank-transfers-api
  name: Xfers Fixed Virtual Account Bank Transfers API
  description: The Fixed Virtual Account Bank Transfers API from Xfers — 2 operation(s) for fixed virtual account bank transfers.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Fixed Virtual Account Bank Transfers
  properties:
  - type: OpenAPI
    url: openapi/xfers-fixed-virtual-account-bank-transfers-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-intents-api
  name: Xfers Intents API
  description: "**For user case 1:**\r\n\r\nWhen a user is performing a top-up via  [GET /transfer_info](http://docs.xfers.io/#get-transfer-info),\
    \ they might forget to enter their contact number which is needed for our system to identify them.\r\n\r\nThe Intents\
    \ API solves this issue by requiring the user to transfer a unique amount to Xfers which will be used to identify them.\
    \ The difference between the  `unique_amount`  and the actual  `amount`  will be very small, and Xfers provides the difference\
    \ for free to the user.\r\n\r\nNote that this only acts as a backup, and the user should enter his contact number in the\
    \ comments section when doing a bank transfer whenever possible.\r\n\r\nExample: Jane wishes to transfer 5000 Indonesian\
    \ Rupiah via  `/intents`.\r\n\r\n1.  She makes a HTTP GET request to  `/user/transfer_info`  to get the correct Xfers\
    \ bank to transfer to (we have many banks!). The response tells her to transfer to Bank Central Asia (BCA).\r\n2.  She\
    \ makes a HTTP POST request to create an intent. The response tells her to make a bank transfer of 4999 to Xfers.\r\n\
    3.  Jane makes a transfer of 4999 to Xfers BCA. Within a few minutes, Xfers detects the transfer and tops up Jane’s Xfers\
    \ account with 5000. Xfers absorbs the difference for free.\r\n4.  If  `notify_url`  is given, Xfers will send a callback\
    \ to this url.\r\n\r\nNote the above scenario is only valid when disable_va is set to True\r\n\r\n**For user case 2:**\r\
    \n\r\nIntent can also be use a means to get callback notifications from Xfers when a user successfully fund their virtual\
    \ account on Xfers.\r\n\r\nExample: Jane wishes to transfer 5000 Indonesian Rupiah via  `/intents`  to her virtual Xfers\
    \ account and get a callback notification when it successful\r\n\r\n1.  She makes a HTTP POST request to create an intent\
    \ with disable_va set to false(default) and provide a  `notify_url`. The response will provide a list of virtual account\
    \ nos she can fund her account with from a list of bank that Xfers support.\r\n2.  Jane makes a transfer of 500 to the\
    \ Xfers BCA Virtual account that the intent api provide. Within a few minutes, Xfers detects the transfer and tops up\
    \ Jane’s Xfers account with 5000.\r\n3.  Since  `notify_url`  is provided, Xfers will send a callback to this url."
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Intents
  properties:
  - type: OpenAPI
    url: openapi/xfers-intents-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-loans-api
  name: Xfers Loans API
  description: Loans Management
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Loans
  properties:
  - type: OpenAPI
    url: openapi/xfers-loans-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-modify-payments-api
  name: Xfers Modify Payments API
  description: The Modify Payments API from Xfers — 1 operation(s) for modify payments.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Modify Payments
  properties:
  - type: OpenAPI
    url: openapi/xfers-modify-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-payment-queries-api
  name: Xfers Payment Queries API
  description: The Payment Queries API from Xfers — 1 operation(s) for payment queries.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Payment Queries
  properties:
  - type: OpenAPI
    url: openapi/xfers-payment-queries-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-payment-queries-hide-first-api
  name: Xfers Payment Queries (Hide first) API
  description: The Payment Queries (Hide first) API from Xfers — 1 operation(s) for payment queries (hide first).
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Payment Queries (Hide first)
  properties:
  - type: OpenAPI
    url: openapi/xfers-payment-queries-hide-first-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-payout-api
  name: Xfers Payout API
  description: API for Payout
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Payout
  properties:
  - type: OpenAPI
    url: openapi/xfers-payout-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-registration-api
  name: Xfers Registration API
  description: Register and verify new users.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Registration
  properties:
  - type: OpenAPI
    url: openapi/xfers-registration-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-repayments-api
  name: Xfers Repayments API
  description: API for Repayment
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Repayments
  properties:
  - type: OpenAPI
    url: openapi/xfers-repayments-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-testing-api
  name: Xfers Testing API
  description: API for testing purposes
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Testing
  properties:
  - type: OpenAPI
    url: openapi/xfers-testing-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-unique-amount-bank-transfers-api
  name: Xfers Unique Amount Bank Transfers API
  description: The Unique Amount Bank Transfers API from Xfers — 1 operation(s) for unique amount bank transfers.
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Unique Amount Bank Transfers
  properties:
  - type: OpenAPI
    url: openapi/xfers-unique-amount-bank-transfers-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-user-account-api
  name: Xfers User Account API
  description: Manage User and Accounts
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - User Account
  properties:
  - type: OpenAPI
    url: openapi/xfers-user-account-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
- aid: xfers:xfers-withdraw-api
  name: Xfers Withdraw API
  description: API for Withdrawal
  humanURL: https://docs.xfers.io/Singapore
  baseURL: https://www.xfers.io/api
  tags:
  - Withdraw
  properties:
  - type: OpenAPI
    url: openapi/xfers-withdraw-api-openapi.yml
  - type: Documentation
    url: https://docs.xfers.io/Singapore
  - type: Documentation
    url: https://docs.xfers.io/V3/Indonesia
  - type: Documentation
    url: https://docs.xfers.io/indonesia/payment-gateway
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/xfers-domain-security.yml
- type: Authentication
  url: authentication/xfers-authentication.yml
- type: Website
  url: https://xfers.com
- type: Documentation
  url: https://docs.xfers.io
- type: APIReference
  url: https://docs.xfers.io/Singapore
- type: GitHubOrganization
  url: https://github.com/Xfers
- type: StatusPage
  url: https://xfers.statuspage.io
- type: Support
  url: https://support.straitsx.com/hc/en-us/requests/new
- type: Postman
  name: Xfers Singapore Postman collection
  url: https://app.getpostman.com/run-collection/1eebf10c08b8f90bdded
- type: Postman
  name: Xfers Indonesia Postman collection
  url: https://app.getpostman.com/run-collection/453dd7b670533289a719