Cross-border payouts, with fund safety built as verifiable mechanisms

We do not promise "absolute security". We make sure every movement of every dollar has a ledger entry, an approval and a reconciliation. Merchants initiate payouts from the portal or the open API; we deliver the funds to overseas beneficiaries.

See how we protect funds Developer onboarding

6 countries / regions

129 payout channels: bank accounts, bank cards, e-wallets

Fixed fee + 2%

Each payout = fixed channel fee + commission on the payout amount; FX at the rate quoted when you submit

Within 10 minutes

Arrival time when beneficiary details are correct; T+0 in special cases

Freeze first, pay second

Funds are frozen on submission, debited on success, released after confirmed failure

Global payout coverage

6 countries and regions, 129 payout channels

Bank accounts, bank cards and e-wallets across the main East and Southeast Asian markets. Each payout costs a fixed channel fee plus a 2% commission on the payout amount, quoted in real time before you submit.

Country / region	Service type	Channel	Currency	Per-txn min	Per-txn max	Arrival
China	Bank card	Bank card	CNY	CNY 35	CNY 34,000	Within 10 minutes; T+0 in special cases
China	E-wallet	WeChat Pay	CNY	CNY 0	CNY 49,000	Within 10 minutes; T+0 in special cases
South Korea	Bank account	21 banks View bank list Korea Development Bank Busan Bank Industrial Bank of Korea Kookmin Bank Jeju Bank Suhyup Bank Kyongnam Bank NH Bank - Nonghyup Bank Woori Bank Standard Chartered First Bank Korea Shinhan Bank Daegu Bank KEB Hana Bank Citi Bank K Bank Kakao Bank JeonBuk Bank Korea Post Office National Credit Union Federation of Korea Korea federation of Community Credit cooperative Kwangju Bank	KRW	KRW 10,000	KRW 6,500,000	Within 10 minutes; T+0 in special cases
India	Bank account	All banks	INR	INR 70	INR 200,000	Within 10 minutes; T+0 in special cases
Thailand	Bank account	7 banks View bank list Bangkok Bank Public Company Limited Kasikorn Bank Public Company Limited Krung Thai Bank Public Company Limited Siam Commercial Bank Public Company Limited CIMB Thai Bank Public Company Limited Bank of Ayudhya Public Company Limited Kiatnakin Bank Public Company Limited	THB	THB 50	THB 49,999	Within 10 minutes; T+0 in special cases
Vietnam	Bank account	41 banks View bank list An Binh Commercial Joint Stock Bank (AnBinh Bank) Asia Commercial Bank (ACB) Global Petro Sole Member Limited Commercial Bank (GPBank) Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank) Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank) Kien Long Commercial Joint Stock Bank (KienLong Bank) Lien Viet Post Joint Stock Commercial Bank (LienViet Bank) Modern Bank of Vietnam (MBV) Petrolimex Group Commercial Joint Stock Bank (PG Bank) Saigon - Hanoi Commercial Joint Stock Bank (SHB) Saigon Bank for Industry and Trade (SaigonBank) Saigon Commercial Bank (SGCB) Saigon Thuong Tin Commercial Joint Stock Bank (SacomBank) Southeast Asia Commercial Joint Stock Bank (SeaBank) Vietnam International Commercial Joint Stock Bank (VIB) Vietnam Joint Stock Commercial Bank for Intrustry and Trade (VietinBank) Vietnam Prosperity Joint Stock Commercial Bank (VPBank) Vietnam Technological and commercial Joint Stock Bank (Techcom Bank) Bank for Investment and Development of Vietnam Joint Stock Commercial Bank (BIDV) Vietnam Maritime Commercial Joint Stock Bank (Maritime Bank) Nam A Commercial Joint Stock Bank (NamA Bank) Military Commercial Joint Stock bank (MB) Vietnam Bank for Agriculture and Rural Development (AgriBank) Dong A Joint Stock Commercial Bank (DongA Bank) Vietnam Export Import Commercial Joint Stock Bank (EximBank) Viet Capital Joint Stock Commercial Bank (Viet Capital Bank) Orient Commercial Bank (OCB) Viet A Joint Stock Commercial Bank (Viet A Bank) Vietnam Thuong Tin Commercial Joint Stock Bank (Vietbank) BaoViet Commercial Joint Stock Bank (BaoViet Bank) Vietnam Public Joint Stock Commercial Bank (PVcomBank) Public Bank Vietnam Limited (Public Bank) Indovina Bank Vietnam Russia Joint Venture Bank (VR Bank) Hong Leong Bank Vietnam Shinhan Bank Vietnam (SHBVN) Woori Bank National Citizen Commercial Joint Stock Bank (NCB) Industrial Bank Of Korea Ha Noi Branch Cimb Bank (Vietnam) Limited United Overseas Bank (Vietnam) Limited	VND	VND 2,000	VND 499,999,999	≤ 50,000,000: within 10 minutes, T+0 in special cases; above that: T+3
	Bank account	TienPhong Bank	VND	VND 50,000	VND 300,000,000	Within 10 minutes; T+0 in special cases
	E-wallet	Momo	VND	VND 20,000	VND 500,000,000	Within 10 minutes; T+0 in special cases
	E-wallet	VNPT Pay	VND	VND 20,000	VND 500,000,000	Within 10 minutes; T+0 in special cases
	E-wallet	ZaloPay	VND	VND 1,000	VND 500,000,000	Within 10 minutes; T+0 in special cases
Malaysia	Bank account	51 banks View bank list HSBC Bank Malaysia Berhad OCBC Bank Berhad Standard Chartered Bank Malaysia Berhad United Overseas Bank Berhad Affin Bank Berhad Alliance Bank Malaysia Berhad AmBank (M) Berhad CIMB Bank Berhad Hong Leong Bank Berhad Malayan Banking Berhad Public Bank Berhad RHB Bank Berhad OCBC AL-AMIN BANK BERHAD CIMB ISLAMIC BANK BERHAD HONG LEONG ISLAMIC BANK BERHAD MAYBANK ISLAMIC BERHAD PUBLIC ISLAMIC BANK BERHAD RHB ISLAMIC BANK BERHAD MAYBANK INVESTMENT BANK BERHAD AL RAJHI BANKING AND INVESTMENT CORPORATION (MALAYSIA) BHD BANK ISLAM MALAYSIA BERHAD BANK KERJASAMA RAKYAT MALAYSIA BERHAD (BANK RAKYAT) BANK MUAMALAT MALAYSIA BERHAD (6175-W) BANK OF AMERICA, MALAYSIA BERHAD BANK OF CHINA (MALAYSIA) BERHAD BANK OF TOKYO-MITSUBISHI UFJ (MALAYSIA) BERHAD BANK PERTANIAN MALAYSIA BERHAD - RENTAS SPI BANK SIMPANAN NASIONAL BNP PARIBAS MALAYSIA BERHAD DEUTSCHE BANK (MALAYSIA) BERHAD INDUSTRIAL AND COMMERCIAL BANK OF CHINA (MALAYSIA) BERHAD JP MORGAN CHASE BANK, NA LABUAN BRANCH KUWAIT FINANCE HOUSE (MALAYSIA) BERHAD MIZUHO BANK (MALAYSIA) BERHAD SUMITOMO MITSUI BANKING CORPORATION MALAYSIA BERHAD AGROBANK ISLAMIC AMISLAMIC BANK BERHAD STANDARD CHARTERED SAADIQ BERHAD SUMITOMO MITSUI BANK BERHAD AFFIN INVESTMENT BANK BERHAD ALLIANCE INVESTMENT BANK BERHAD AMINVESTMENT BANK BERHAD CIMB INVESTMENT BANK BERHAD PUBLIC INVESTMENT BANK BERHAD RHB INVESTMENT BANK BERHAD HONG LEONG INVESTMENT BANK BERHAD MIZUHO CORPORATE BANK (MALAYSIA) BERHAD ALLIANCE ISLAMIC BANK BERHAD AFFIN ISLAMIC BANK BERHAD HSBC Amanah Malaysia Berhad JP MORGAN CHASE BANK BERHAD	MYR	MYR 1	MYR 300,000	Within 10 minutes; T+0 in special cases
	E-wallet	BigPay	MYR	MYR 1	MYR 10,000	Within 10 minutes; T+0 in special cases
	E-wallet	TNG Digital	MYR	MYR 1	MYR 10,000	Within 10 minutes; T+0 in special cases

ChinaCNY

Bank card · Bank card
CNY 35 ~ 34,000 · Within 10 minutes; T+0 in special cases
E-wallet · WeChat Pay
CNY 0 ~ 49,000 · Within 10 minutes; T+0 in special cases

South KoreaKRW

Bank account · 21 banks
KRW 10,000 ~ 6,500,000 · Within 10 minutes; T+0 in special cases

IndiaINR

Bank account · All banks
INR 70 ~ 200,000 · Within 10 minutes; T+0 in special cases

ThailandTHB

Bank account · 7 banks
THB 50 ~ 49,999 · Within 10 minutes; T+0 in special cases

VietnamVND

Bank account · 41 banks
VND 2,000 ~ 499,999,999 · ≤ 50,000,000: within 10 minutes, T+0 in special cases; above that: T+3
Bank account · TienPhong Bank
VND 50,000 ~ 300,000,000 · Within 10 minutes; T+0 in special cases
E-wallet · Momo
VND 20,000 ~ 500,000,000 · Within 10 minutes; T+0 in special cases
E-wallet · VNPT Pay
VND 20,000 ~ 500,000,000 · Within 10 minutes; T+0 in special cases
E-wallet · ZaloPay
VND 1,000 ~ 500,000,000 · Within 10 minutes; T+0 in special cases

MalaysiaMYR

Bank account · 51 banks
MYR 1 ~ 300,000 · Within 10 minutes; T+0 in special cases
E-wallet · BigPay
MYR 1 ~ 10,000 · Within 10 minutes; T+0 in special cases
E-wallet · TNG Digital
MYR 1 ~ 10,000 · Within 10 minutes; T+0 in special cases

Standard rates; actual fees may vary by partnership type, volume and risk assessment. Commission applies to the payout amount only, never to the channel fee. Arrival time is the usual case when beneficiary details are correct; the receiving bank's processing prevails, and all transactions are settled on the amount actually received. Data as of September 2026.

Why 101 Pay

We break "reliable" down into mechanisms you can inspect

Balances never move on their own

Balances are derived from a double-entry ledger. No back-office function can edit a balance directly. Every freeze, debit and release traces back to a document.

When in doubt, funds stay put

If the upstream result is unknown we neither auto-refund nor auto-resend. The order enters a manual adjudication queue and is verified first. This is the line against double payment.

Two people and two factors for critical actions

Deposit confirmation, reversals, disbursements and fund adjudication require different accounts for initiator and approver, plus a live verification code.

Two ways to integrate

Finance staff use the merchant portal; engineering teams use the open API with RSA signatures, IP allow-lists and ready-to-run samples.

How a payout flows

Four steps, each one documented

1
Pre-fund
Wire funds, then file a deposit request in the portal. After the funds are verified, a second reviewer confirms the credit.
2
Initiate a payout
Pick the payout currency and enter beneficiary details in the portal or via API. The full fee breakdown is shown before you submit.
3
Freeze and pay
Submission freezes the funds and the platform pays the beneficiary. Orders in progress are never paid twice.
4
Confirm the result
Read the final state from the portal or the query API: success debits the frozen funds; confirmed failure releases them.

Who it is for

Three roles, three separate portals

Merchants

merchant.101.bi

Deposits, payouts, order queries, withdrawals, API onboarding and two-factor authentication, all self-service.

Channel partners

channel.101.bi

Refer merchants, track their performance and your commission, follow settlements and withdrawals.

Platform operations

internal

Review, adjudicate, reconcile, manage risk and audit. Every step leaves a trail.