Frequently
Asked Questions
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FAQs
Below are answers to some of the most frequently asked questions. If you can't find an answer to your question (or you're ready to get started), feel free to contact us—we'll be happy to help!
What payment channels does Codapay support?
Here's a list of our channels in each country/region:

Indonesia
: Direct carrier billing (Telkomsel, Indosat, XL, Axis, Tri, Smartfren), Bank/ATM transfer (all banks, along with mobile banking apps), cash payments at convenience stores (Alfamart, Indomaret, TrueMoney Agents), e-wallets (Go-Pay, Doku Wallet, Kredivo, DANA, OVO, LinkAja, TrueMoney).

India: E-wallets (Paytm, FreeCharge), Bank/ATM transfer (UPI, Net Banking)

Bangladesh: E-wallets (bKash)

Myanmar: Direct carrier billing (MPT, Telenor, Ooredoo, Mytel), e-wallets (Wave Money), physical voucher redemptions (EasyPoints).

Thailand: Direct carrier billing (AIS, DTAC, CAT, TrueMove H), Bank/ATM transfer (all major banks), cash payments at convenience stores (Tesco Lotus, Family Mart, 7-Eleven), physical voucher redemptions (True Money Cash Card), e-wallets (Rabbit LINE Pay).

Malaysia: Direct carrier billing (Maxis, Digi, Celcom, U Mobile), physical voucher redemption (Digi Prepaid Reload Card), e-wallets (GrabPay, Boost, Touch n' Go).

Philippines: Direct carrier billing (Globe, Smart), Bank/ATM transfer (all major banks), cash payments at convenience stores (Robinsons department stores, Bayad Centres, 7-Eleven), e-wallets (GCash, GrabPay).

Laos: Direct carrier billing (Unitel, Lao Telecom)

Cambodia: Direct carrier billing (Smart, Cellcard, Metfone), e-wallets (Wing, Pi Pay, Paygo).

Sri Lanka: Direct carrier billing (Dialog).

Singapore: Direct carrier billing (Singtel, M1, StarHub), e-wallets (GrabPay, Alipay, WeChat Pay).

Taiwan: Direct carrier billing (Taiwan Mobile, FarEasTone, A+, ChungHwa Telecom), physical voucher redemption (GashPoint Vouchers).

Brazil: Cash payments at convenience stores (Boleto), Bank/ATM transfer (all banks)

Mexico: Cash payments at convenience stores (OXXO), Bank/ATM transfer (all banks)

Argentina: Cash payments at convenience stores (Pago Fácil, Rapipago), Bank/ATM transfer (all banks)

Egypt: E-Wallets (OneCard), Cash payments at convenience stores (Fawry).

Nigeria: Bank transfer (all banks).

South Africa: Bank transfer (Nedbank and First National Bank).

United Arab Emirates: Direct carrier billing (Etisalat), e-Wallets (OneCard).

Saudi Arabia: Direct carrier billing (Zain), e-Wallets (OneCard).

Kuwait: Direct carrier billing (Zain).

Pakistan: Direct carrier billing (Telenor), e-wallets (Easypaisa, Jazz Cash).

Mongolia: E-wallets (Candy)

Russia: E-wallets (Yandex.Money)

Vietnam : E-Wallets (MoMo E-Wallet), Voucher (Vietnam Voucher Redemption)
What are the purchase flows?
You can find screenshots of typical purchase flows for carrier billing, bank transfer, cash payment at convenience store, e-wallet payments, and voucher redemptions here. Note that there is sometimes variations amongst similar payment channel types, but these following flows are typical.
Can Coda help to promote my service?
Yes! Coda can help you access the digital marketing assets of our payment channel partners, including Facebook and LINE posts, SMS blasts, banner ads, and more.
Can carrier billing be used for the purchase of physical
goods?
No. Carrier billing can only be used for the purchase of digital content. Please review our prohibited content policy for more information.
Can Coda help companies that sell tangible goods collect payments?
No. Our offerings are optimized for digital content providers (game publishers, live streaming platforms, video-on-demand, etc.). Companies selling physical goods will be better served by a traditional domestic payment gateway in their country of focus. Companies should carefully review our prohibited content policy to ensure that the digital content that you plan to provide will be supported by Codapay and our payment channel partners.
Does Codapay support subscription payments?
Yes. At Coda we support two types of subscription payments.

1. Tokenized Charge - Tokenization is supported by major wallets including Rabbit Line Pay (Thailand), Doku Wallet (Indonesia), Paytm (India), DANA (Indonesia), and GoPay (Indonesia). More wallets are being added every month. With Tokenization you have full control and flexibility over the subscription engine for renewals, retries, cancellation, etc.

2. Coda Managed Direct Carrier Billing Subscriptions. - We support subscriptions for carrier billing in Indonesia for Indosat, XL, and Tri. Carrier billing subscription payments generally do not perform well in Southeast Asia because the vast majority of customers use prepaid rather than postpaid mobile accounts, and as such maintain very small balances. So unless the subscription charge request is for an incredibly small value, the failure rate will be high. Instead, we strongly recommend that partners implement Tokenized Charge subscriptions with eWallets, or one-time payments instead (i.e. sell a 1-week package, 1-month package, or 3-month package, instead of a 1-day recurring package).
What is the difference between Codapay and a local payment channel?
Codapay does not have our own payment channel: rather, we provide a method of establishing a single technical and commercial connection that provides connectivity to a large number of local payment channels. These local payment channels are built and operated by other companies.
What is the difference between Coda and global carrier billing aggregators?
Publishers that only want their customers to be able to pay using direct carrier billing should choose to work with a carrier billing aggregator.

However, publishers that want to accept the full range of locally popular payment methods should consider Coda. While Coda does have one of the most extensive networks of direct carrier billing relationships with telcos in emerging markets, we are an aggregator of a wide range of alternative payment methods, including but not limited to carrier billing. Because we have direct connections to each of the telcos with whom we work, our payouts are typically much better than our globally focused peers.
Is there an integration fee, setup fee, or minimum volume requirement?
No, we don't charge any integration or setup fees, and we impose no minimum volume requirement. If outpayments are made to a bank account outside Singapore, an international bank transfer fee will apply.
What is the integration process?
Merchants integrate against Coda's API, and one developer can typically complete an integration in a couple days. We provide a single API for all countries and payment channels in which we operate, so it's easy to activate multiple payment channels in multiple markets. To make the process even easier, Coda provides sample code in a range of languages, and offers integration support to developers in English, Mandarin, and Bahasa Indonesia.
Do I need to have a local legal entity and/or bank account to work with Codapay?
No. We can contract with partners using the legal entity that you have established in your country of origin (i.e. Hong Kong, Singapore, United States, etc.) and payout in USD to the bank account that you have in that country.
In what currency are transactions processed? In what
currency will I be paid?
Codapay processes transactions in the local currency of each country in which we operate (i.e. Rupiah in Indonesia, Kyat in Myanmar, Baht in Thailand, Peso in Philippines, Ringgit in Malaysia, Singapore Dollar in Singapore, Taiwanese Dollars in Taiwan, Dong in Vietnam), and we pay out in US Dollars.
What are the fees and payment terms?
Fees and payment terms vary by channel. However, in general:

- Coda's fees are very competitive: we make direct connections to each of the telcos that we work with, so can provide the lowest rates and best coverage for direct carrier billing in Southeast Asia. Our alternative payment channels are even less expensive and are the preferred method of payment for big spenders.

- Coda typically takes 60 days to make payment for transactions completed using direct carrier billing (i.e. if a customer makes a payment using DCB in January, the merchant would receive payment by the end of March). We recognise that this is slow, but unfortunately it cannot be modified: the telcos with whom Coda work require almost the entirety of the 60-day cycle to pay us, and we in turn make payment to our merchant partners very quickly. For transactions completed using bank/ATM transfers, cash payments at convenience stores, physical voucher redemptions, and e-wallets Coda pays in 30 days or less

Please contact sales@codapayments.com for our rate card. Be sure to tell us a bit about your game, app or content.
What happens if a customer makes a purchase using direct carrier billing and then doesn't pay their phone bill, or the charge is reversed for some reason?
You will still be paid! With the exception of a few small channels, Coda protects our merchant partners from chargebacks and bad debt: if Coda authorises a transaction through our API, the merchant will be paid for it.
How can I monitor and reconcile transactions?
Our clients can view a realtime feed of transaction records in Coda's Merchant Portal. As part of the onboarding process, our team will set you up with a Merchant Portal account where you can track all of your transactions for all of the payment channels and markets in which you work with Coda, in realtime. Our finance team will also send you a transaction report every month.