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DANA deposit and withdrawal

DANA is one of the fastest payment methods on our platform. To deposit via DANA, log into your 10naga account, select Deposit, and choose DANA from the payment list. Enter your desired amount (we accept descriptive ranges from modest to substantial sums). Our system generates a unique merchant code. Open your DANA app, scan the QR code, and confirm the transfer from your DANA balance or linked bank account. The transaction processes in subject to verification; your account balance updates automatically in the 10naga interface. To withdraw, navigate to Cashout, select DANA, and enter your withdrawal amount. Your DANA-registered phone number must match your 10naga profile for the withdrawal to process. Funds transfer back to your DANA wallet in subject to verification. If a deposit or withdrawal stalls, we provide a merchant reference code to share with DANA customer support, and we investigate on our side within subject to verification.

OVO and GoPay usage

OVO and GoPay work similarly to DANA on the 10naga platform. Both e-wallets require account binding before your first deposit. When you select OVO or GoPay during deposit, we prompt you to authorize 10naga to access your e-wallet. This one-time authorization (OAuth flow) is secure and does not require you to share your password. After authorization, deposits settle in subject to verification. GoPay may show slightly longer processing windows (subject to verification) due to carrier routing. For withdrawals, funds return to your original OVO or GoPay account within subject to verification. Both wallets are subject to daily transaction limits set by their parent companies (OVO's Grab and GoPay's Google Pay); if your withdrawal exceeds your limit, our system notifies you and suggests splitting the withdrawal across multiple days or using an alternate payment method like QRIS or a bank VA.

BCA, Mandiri, BRI, BNI virtual account

We offer virtual account (VA) deposits and withdrawals for Indonesia's four largest banks: BCA, Mandiri (BTN), BRI, and BNI. When you select a bank VA during deposit, our system assigns you a unique virtual account number tied to your 10naga account. You can pay this VA from your personal bank account via online banking, ATM, or mobile banking app. Deposits typically confirm within subject to verification during business hours (08:00–17:00 Jakarta time, Monday–Friday). Outside business hours, processing extends to the next business day. For withdrawals, you provide your personal bank account number; we transfer funds to that account. Bank-to-bank transfers may take 1–2 hours during business hours or overnight if initiated after 17:00. Your withdrawal must not exceed your bank's daily outbound transfer limit; check your bank's policy before requesting large withdrawals. If a VA deposit does not credit within 2 hours, contact our support with your payment proof; we can manually trigger a reconciliation or issue a refund.

Fees, limits and verification

We do not charge deposit or withdrawal fees for any payment method. However, your bank or e-wallet provider may charge their own processing fees (typically our welcome offer–10,000 per transaction). Minimum deposit is a modest amount; maximum deposit depends on your daily limit with your payment provider. After your first deposit, we verify your KYC status (ID and address proof upload). Verified accounts have no daily deposit cap; unverified accounts may face reduced limits. Withdrawals require you to have positive account balance and completed KYC. We process withdrawals 24/7, though bank-VA transfers may not settle until the next business day. Large withdrawals (descriptively substantial amounts) may trigger additional verification: we may ask for recent bank statements or a selfie holding your ID to confirm ownership. This verification step protects both your account and our platform from fraud. Standard verification takes 2–4 hours; complex cases may extend to 24 hours.

Resolving a stalled transaction

If your deposit does not credit within subject to verification, first check your email for a system notification; occasionally the payment is pending your authorization. Check your DANA, OVO, GoPay, or bank app to confirm the transaction left your account. If the money left your account but has not appeared in 10naga, note the transaction reference code (receipt number from your payment app) and email [email protected] with a screenshot of your payment confirmation. We investigate within subject to verification and either resolve the credit or process a refund to your original payment method. If your withdrawal request is under review for more than subject to verification, contact support immediately; we may have flagged the account for additional verification. Provide us with the withdrawal reference code and we expedite the review. Withdrawals to bank VAs may fail if your bank account number is incorrect or if the account has been closed; we notify you of the failure within 24 hours and ask you to provide an updated account number for re-processing. Rarely, payment providers (DANA, OVO, banks) may block a transaction due to their own compliance checks; in these cases, we advise you to contact your payment provider directly and then retry the deposit or withdrawal once their hold is lifted.