Payment Gateway in indonesia

1. INDONESIA
Online Payment Gateway
Merah Putih Inc. 2014

2. 00Online Payment Gateway
in Indonesia

3. OVERVIEW
• Indonesia faces difficulties in the e-commerce industry because of its payment security and convinience.
• With the growth of of many online payment system and the increasing e-commerce activity in the
Indonesian market, it looks like the e-commerce scene in Indonesia will continue to bloom.

4. A payment gateway is an e-commerce application service provider service that
authorizes credit card payments for e-business, online retailers, etc.
Payment getaways protect credit card details by encrypting sensitive information, such as credit
card numbers, to ensure that information is passed securely between the customer and the merchant
and also between merchant and the payment processor.
Payment gateways are a secure online link between a merchant and an acquiring
bank.
Payment Gateway

5. 12. FINPAY
13. FASAPAY
14. KASPAY
15.INAPAY
16.IPAY88
17.2C2P
18.IONPAY
Payment Gateway in Indonesia
1. DOKU
2. VERITRANS
3. IPAYMU
4. INDOMOG
5. MOLPay
6. AyoPay
7. Unipin
8. Gudang Voucher
9. Unik
10. PulsaQ
11. MimoPay

6. 01Doku
http://www.doku.com/

7. DOKU has been existing since 2007, under the name of PT Nusa Satu Inti Artha.
It’s privately owned.
Previously known as NSIAPay, then changed its branding to DOKU on Q4 2010.
DOKU has a well-established track record in designing, integrating, and optimizing
commerce transaction systems for local and international merchants in various
industries.
Background

8. DOKU is Internet Payment Gateway, providing online internet payment solution to
e-commerce, b2c, retailing and even to b2b business concepts.
It first began with Credit card realtime authorization to the Acquiring bank with
successful attempt to nourish the Indonesian local e-commerce company.
Then it start adding more credit card features such as installments, point rewards,
Debit card, Internet Banking, E-Wallet, Escrows, etc.
DOKU partner with and connect directly to a large network of payment
processors and other payment service providers to offer a one-stop solution for
the clients – providing simplified electronic payment management.
About DOKU

9. E-payment Solutions

10. DOKU provide electronic payment processing, online and in mobile
applications.
•Online Payments
•Subcription Payments
•Token Payments
•Merchant Support
•Mobile Payments
•Risk & Fraud Management
Features
You could transfer money to DOKU wallet through several methods:
• Credit cards,
• Internet bankings,
• ATM,
• E-Wallet,
• Subcriptions,
• Mobile Payments,
• Selected Convinient stores.

11. DOKU payment solutions are enhanced with the most advanced risk management
features to address complexities and risk of online transactions.
DOKU is externally audited every year by Control Case (QSA), which has certified
us at Level 1 PCI DSS (Payment Card Industry Data Security Standards) compliant.
This certification assures that DOKU adheres to the highest security standards, and
payments are always in compliance when using DOKU.
This certification helps DOKU to prevent credit card fraud, hacking and other
security issues. The PCI DSS certification is mandatory for a company to
process, store or transmit credit card numbers.
Security System

12. 02Veritrans
http://www.veritrans.com/

13. Veritrans Indonesia is a joint Venture with Veritrans Inc. and Midplaza holding.
PT. Midtrans is the operating company for Veritrans Indonesia.
They exist since 2012 and is privately held.
History

14. Veritrans payment gateway is an online payment gateway that is highly concerned
with customer experience (UX).
•Online Payment,
•Payment Gateway,
•Payment Methods Integration
They propose online credit card payment system with a free fraud detection
system.
Their VT-direct product allows merchants to process payment on their own
payment page.
They also are creating a WordPress plugin for the online payment.
Features

15. The credit card fee for VT Web product is 3.9% + Rp. 2,000 (excl. PPN) of each
transaction amount. There are no setup fees.
For example, if you receive transaction Rp. 100.000 by credit card, the fee would be Rp 5,900 (Rp.
3,900 + Rp. 2,000).
Veritrans do not charge for failed transactions. Users only pay when you make
money.
Veritrans also have different pricing for online banking and mobile payments.
Fees

16. Fees

17. Veritrans strives to simply the whole process by providing a single point of
integration for Credit Cards, Mandiri ClickPay, CIMB Clicks, BCA KlikPay, BRI
ePayments, XL Tunai, and T-Cash. Veritrans works with a majority of the largest
banks in Indonesia.
Current customers include Blitz Megaplex, Rakuten Indonesia, BerryBenka, and
many other leading Indonesian eCommerce companies.
Merchants and Clients

18. Veritrans offers a fraud detection system without any additional costs
Applying to offer credit card payment systems requires a lot of steps, and the applicant needs
some coding skills like PHP or .NET to do just that.
Regarding these many steps, Veritrans has built a step-to-step integration map and documentation
which makes it easy for people to follow, and the team is quite proud of that map.
Veritrans also launch easier integration method for merchants who do not know how to code by
offering a WordPress plugin and a product called VT-Link.
VT-Link enables merchants to just put in some basic info like the product name, description, and
price, and VT-Link will generate a link which redirects customers to the credit card payment
page.
Security System

19. 03IPayMu
http://www.ipaymu.com/

20. Founded on 2012, iPayMu was originally built only as a payment method for SEO
service Marketbiz.net.
Then, it changed to become online payment getaway, aims to build a better digital
economy infrastructure in the country.
Background

21. IPayMu is a product integration from three different businesses
1. E-Commerce Solutions
2. Payment Getaway
3. Merchant Service Provider
IPayMu also has mobile apps for Android and iOS which will enable one mobile
phone to be connected to iPayMu’s 137 banking partners.
IPayMu use 256 bit SSL encryption and has been verified by Thawte.
IPayMu

22. IPayMu offers selections of e-commerce solutions
• Online Payment System Debit Card/e-Wallet,
• Online Payment System Credit Card,
• Online Payment System Money Transfer,
• Online Payment System Escrow
• IPayMu handle cross-border and multi-currency transactions.
• IPayMu serves Cash On Delivery (COD).
IPayMu Features

23. Fees
iPayMu charges 1 % for the escrow service, but it’s free for member-to-
member transfers

24. 04Indomog
http://www.indomog.com/

25. Founded on August 8th 2008, INDOMOG is Indonesia Multionline Payment
Gateway, specialized for online game payments.
It is a provider of online payment solution with various methods of payment which
allows users to conduct transactions online and the easiest payment solutions.
Currently, INDOMOG is a public owned company.
INDOMOG is the only authorized reseller of Zynga in Indonesia.
About INDOMOG

26. To incorporate INDOMOG as an online payment gateway for the Indonesia’s
videogame industry, because game industry is the easiest to educate.
Online game users are used to computer technology and online shopping, so it’s easier
to initially introduce INDOMOG to the videogame industry, as opposed to some other
industries.
The next move is to implement INDOMOG as a payment gateway in all of
Indonesia’s online industries.
INDOMOG Strategy

27. INDOMOG could be used to fo the followings:
• Play online games
• Shop in MOGPlay
• Buy Pulsa
• Consume content such as music content, etc
• Pay electricity, Phone Bills, etc
• Buy Daily Deals
INDOMOG has launched MOGPlay, a direct reedeem voucher which integrated
with 140 games from a variety of publishers.
It can be used to buy Facebook Credit with the best conversion rate in Indonesia.
Through this direct redeem, users could easily consume content with easy steps.
Features

28. They have very LARGE Distribution channels:
ATM, Alfamart, 7-eleven, Lawson, Family Mart, Circle K, Hypermart, etc.
People can buy Voucher in those outlets to get credit and buy their games online.
Various methods of payment such as :
• Cash transfers,
• Internet banking,
• SMS banking,
• Credit Card,
• Physical voucher
Distribution Channels & Methods of Payment

29. 05MOLpay
http://www.molpay.com/v2/

30. MOLPay is founded on 2000 and known as a Payment Service Provider from
Malaysia.
MOLPay is part of the MOL Global Group, one of the largest Internet companies in
Southeast Asia with offices in Malaysia, Singapore, Thailand, Indonesia, Turkey,
Philippines, Vietnam, Taiwan, and Australia/New Zealand.
On Sept 2011, MOLPay established MOL Indonesia to roll-out services in
Indonesia.
MOLPay is an online payment solution that enables e-commerce merchants to
collect payments from online buyers securely through physical and online payment
channels.
In Indonesia, MOLPay itself still focus more on online game sectors.
MOLPay

31. Through MOLpay, users could purchase online games, products and services
through any one of our 12 localized portals. In Indonesia few of the local portals are
the followings:
• AyoPay
• iPay
• Gudang Voucher
• Juragan Voucher
• Kartu Game
MOLpay Features

32. Methods of payments for MOLPay could be done through two ways:
Methods of Payments
It is the first payment gateway in Southeast Asia enabling online purchases to be paid physically
with cash at popular retail chains, outlets or via online using global credit cards, debit cards,
charge cards, e-banking and e-wallets.
(OR)

33. 1. Real – time Online Reporting
• User Friendly report records the transactions history, fraud ratio, settlement report,
sales summary, etc. (with download function)
2. Refunds
• User can refund a transaction without refund charges
3. High – tech Fraud Management
• Equipped with fraud detection system, 3D Secure (Verified by Visa & Mastercard)
compliance and fraud monitoring
• Merchant loss rate is controlled below 0.03%
4. Security & Reliability
• PCI DSS compliance and with service level of 99.99% uptime
5. Merchant Profile Management
• Users can change control panel password, contact info etc.
6. Multi Currency Processing
• Users can process many different currencies
Why Use MOLpay?

34. 06AyoPay
http://www.ayopay.com/

35. Established in November 2009, AyoPay is a payment service provider specializing in
online games credits for the Indonesian market.
It is one of the largest distributors for branded online game credits from various game
publishers like Gemscool, Lyto, and Megaxus.
On March 2013, MOL Indonesia acquires 100% of AyoPay.
Background

36. AyoPay is a payment service provider specialized in online game credit.
AyoPay helps to distribute MOLPoints, MOL’s online micropayment system for
games, to over 40,000 channels (like cybercafes and convenience retailers) in
Indonesia.
MOLPoints are used across Friendster, and other sites, to buy virtual goods and make other online
transactions.
In markets like Indonesia, where less than 1 million people are estimated to own
credit cards and bank account usage is lower than the west, over-the-counter
credit for Web services (which is what AyoPay provides) are crucial.
AyoPay give MOL an outlet through which to win the custom of those that are
unable to use regular online payment services.
Ayopay in Indonesia

37. The investment to AyoPay represents another step towards MOL’s goal of creating
a premium online payment eco-system in the region.
MOL understands how big is Indonesia’s games industry.
Through the combined assets, it will provide a comprehensive payment solution
around the region. It will also generate more monetization opportunities for its
global game publishers and social networks partners.
Ayopay Strategies

38. People need to sign up as member then do top – up to their account.
To top up their account, they could use these methods of payment:
1.Manual cash transfers.
2.Automatic cash top up without confirmation.
Methods of Payment

39. 07Unipin
http://www.unipin.co.id/

40. PT. 24 Jam Online is a leading payment solution provider (PSP) in Indonesia. The
company spends more than 2 years carrying out the research and development of
its payment gateway management system SJLv2.
Thus currently, the company has more than 7,000 distribution networks for its
electronic Pin “UniPin” at Toko Indomaret in Indonesia.
UniPin

41. UniPin have partnerships with over 6000 local supermarkets (exclusively with
Indomaret) to widely distribute its product.
UniPin also work together with game publishers that allows their games to be
connected with paid API by UniPin.
This is the solution for different types of vouchers offered by the game publishers
and also to allows publishers to do what they want, which is to produce good
quality games.
UniPin Strategies

42. UniPin can be used to buy game credits.
UniPin does provide the convenience to digital consumers by using one single
prepaid electronic pin to purchase various digital contents from multiple content
providers.
1.Users will have to sign – up (UniPass) and create password and activate their
UniPin account.
2.Users need to top up the UniPin using UniPin Credits
Features

43. UniPins could be top-up by the followings method:
UniPin Wallet - Buy SoftPin and then top-up to the game
UniPin Express - Directly top up to the game by using UniPin
Credits from the website.
Methods of Payment

44. 08GudangVoucher
http://www.gudangvoucher.com/

45. GudangVoucher is a voucher distribution channel.
It’s been around since year 2004 and owned by PT. Buana Media
Teknologi.
It’s a payment solution that provides online payment through electronic
vouchers. The codes for the voucher will appear on the website and
there is no physical print out for those codes.
GudangVoucher

46. As a pioneer of online gaming payment solution, it has many voucher categories,
not only for games.
GudangVoucher could be used to fo the followings:
• Buy online games voucher,
• Buy internet hotspot vouchers,
• calling card,
• pay tv vouchers,
• e-ticket vouchers,
• software activation codes,
• e-commerce voucher or gift vouchers,
• and more to come.
Features

47. Users pays through bank transfer.
MOL Members can also reload MOLPoints via GudangVoucher up to a maximum of
USD125 balance per MOL Member Account at any one point in time.
Methods of Payment

48. 09UNIK (Uang Elektronik)

49. UNIK first launched in December 2011 and developed by a company called
Transmaya.
It runs on a payment technology developed and powered by third-party partner.
About UNIK

50. The service is a mash up between PayPal and M-Pesa, a mobile network payment
solution coupled with a network of banking agents.
UNIK is an online and mobile e-money payment gateway that allows users to shop
online, pay bills, top up air time, buy game vouchers, and pay using an escrow
service.
To use UNIK, buyers will have to register as a member and deposit funds before
they can take advantage of the facilities.
UNIK can be used to purchase items for as little as Rp 50,000 and a maximum value
of Rp 5 million
UNIK

51. The channels include online, mobile, SMS, and in-store kiosks.
TOP UP Phone Balance:
3, Axis, Ceria, Esia, Flexi, Indosat, Smartfren, Telkomsel, XL.
Voucher Game:
Cabal, Cherry, Digicash, Fastblack, Gemschool, GOGAME, Koram, Lyto, Mainkan, MOL, Mycard,
Playpoint, Serenity, Spin, VTC, Wavepro, Winner, Zynga.
Billing for:
PLN, Telkom, Speedy, Flexi pasca bayar.
Donation:
WWF (World Wildlife Fund)
Merchants

52. 10PulsaQ
http://www.pulsaq.com/

53. Coda Payments has partnered with 20-million-subscriber-strong Indonesian telco
Axis Telekom to launch PulsaQ in Indonesia.
PulsaQ is a prepaid mobile credit payment solution; some might call it an airtime
payment solution.
PulsaQ

54. People could use PulsaQ to do the following things:
• Pay a bill,
• Make a donation,
• Shop online, or
• Buy an app.
No bank account required - All user need is a mobile phone. No bank
account or credit card required.
Features

55. • If you’re a prepaid customer, your pulsa balance will be debited.
• If you’re a postpaid customer, the charge will appear on your next bill.
Fees

56. 11MimoPay
http://www.mimopay.com/

57. Mimo Pay
Mimopay enables users to use mobile phones and alternative ways to pay for variety of digital
goods and social experiences across mobile and web easily.
Mimopay work with telcos, banks and convenience store throughout Indonesia. With various
methods available, customers can shoose whichever is most convenient to them.
Mimopay provide solutions for the followings:
• Support Wallet & Loyalty Program
• Ready APIs for easy integration
• Online Daily Revenue Report for Publisher & Payment Channel
• User Account Management
• Customer Service Module with user transaction history, customizable user daily and
monthly limit, fraud detection, blacklist / ban feature
• Bonus Virtual Item (Code redemption)

58. Mimo Pay
Mimopay provide solutions for the followings:
• Support Wallet & Loyalty Program
• Ready APIs for easy integration
• Online Daily Revenue Report for Publisher & Payment Channel
• User Account Management
• Customer Service Module with user transaction history, customizable user daily and
monthly limit, fraud detection, blacklist / ban feature
• Bonus Virtual Item (Code redemption)

59. Fees
Mimopay Fee (inclusive of VAT) per transaction to end user.
Mimopay Fee is between 10% - 30% of gross selling prices, depends on
channels.
Mimopay settles payment between 37 - 105 days, depends on channels

60. 12Finpay
https://www.portalfinpay.com/

61. On May 2012, Finnet Payment Gateway (FinPay) is a product of PT. Finnet
Indonesia which is subsidiary of Telkom Indonesia.
PT. Finnet Indonesia is a joint venture between Nusantara (METRA) and PT Mekar
Prana Indah (MPI) which stocks are owned by Yayasan Kesejahteraan Karyawan
Bank Indonesia (YKBI).
Background

62. Cooperating with many banks in Indonesia as well as with Visa and MasterCard,
FinPay will make it easy for the customer to do online transaction.
Since FinPay is part of Telkom Indonesia, payment through the ATM and internet
banking will be reflected in the customer’s Telkom telephone bill.
FinPay has also tied up collaborations with established e-commerce sites such as
LivingSocial, Plasa.com, AppsFoundry, Gold’s Gym, Tempo, Aora TV, as well a few
members of the Telkom group such as Telkomsel and TelkomVision.
Finpay

63. Finpay focuses on providing electronic payment systems.
Their offers services such as:
• Online bill payments
• Interbank transactions
• Online shopping payment systems.
A customer can pay with:
• Credit card,
• Internet banking, or
• ATM
FinPay also has it’s mobile apps called Finpay Wallet, where users can also put
money in it.
Features

64. FinPay takes service charge on each transaction, but there is no setup fees or
mantainance fees.
Finpay would charge fees between Rp 2,500 to Rp 5,000 for every transaction they
handled, although the fees could be “tailored” to the size of the merchant.
Fees

65. a. ETHOCA :
FinPay is connected to Global-Alliance Fraud Detection System.
b. PCI-DSS :
Licensed by VISA and Mastercard as standard requirement for customer data security.
c. ISO 27001:2001 :
Licensed released by international organization.
d. FridaTM :
Proprietery Fraud Detection.
e. Verisign :
Security System for URL portal e-Commerce using Security Site Pro EV-128 Bit extended
validation SSL (Https).
Security System

66. 13Fasapay
https://www.fasapay.com/

67. PT Fasa Centra Artajaya (FCA), in Jogjakarta, is the company who have been developing
FasaPay as per January 2012.
FasaPay could be use to do the followings:
•Shop in Online Stores
•E-Changers Services Web
•Foreign Exchange Brokers
•Online Games
•Donation System
Few types of transaction that could be done in FasaPay
•Top-Up
•Transfer
•Redeem
•Transaction History.
•SCI (Shopping Cart Interface)
•API.
Fasapay

68. FasaPay deducts 0.5% out of each transactions.
Indonesian Rupiahs (IDR) Fee Rate : 0.5%
Minimum Fee : Rp. 100,00
Maximum Fee : Rp. 50.000,00
Fees

69. Fasapay set up two security features, "Pin Transaction" and "PIN IP Settings".
• Pin Transaction is useful as an additional protection while the member doing online transactions in Fasapay
System.
• PIN IP Setting is used as a filter for verification or identification of IP addresses of current members when
they login to the system FasaPay (Website FasaPay, Mobile Device, or SCI).
FasaPay is Safe, since data transfers between users and FasaPay is encrypted using AES-256 High-
grade Encryptes.
This means FasaPay is the only party who is able to read all data being sent to FasaPay.
In terms of data backup, FasaPay uses dedicated server with Hardware RAID technology that
ensures the safety of client's data since the confidential and important data will be stored in
multiple hard drives.
Security System

70. 14KasPay
http://www.kaspay.com/

71. Kaspay is a service created by Kaskus. It was founded on November 2009, under
management of PT Darta Media Indonesia.
It was designed to facilitate online transactions all across Indonesia.
Background

72. Buyers can top up their accounts and use their account to pay on Kaskus and
KasPay partners.
Merchants can connect to their system to allow people to pay using their KasPay
accounts.
All payment should be done via bank transfer (Top Up). No Credit Cards needed.
KasPay

73. KasPay charges a meager 0.05 percent per transaction up to a cap of IDR 5,000
($0.50) no matter how high the transaction value is.
That is on top of the escrow feature embedded in KasPay’s system.
Fees

74. KasPay uses international standard security system with encryption Secure Socket
Layer (SSL) 256 verified by VeriSign (Norton Secured).
With this SSL all data will be processed through encryption using 256 bit known
only by useres and KasPay server.
KasPin also used with 6 digits as protections that will be received through SMS.
Every transaction will be recorded and send automatically to email and written in
the Transaction History to help users monitors their accounts.
Security System

75. 15Inapay
http://www.inapay.com/

76. Inapay is running the business under PT. Indonesia Payment Solution which
incorporated in June 2011.
Since its inception, Inapay has been invested two times, one from East Venture in
Jan 2012 and the second from individual investor in September 2012.
Inapay website has been improved to Inapay 2.0 in Q4 2013 and we will launch
Inapay for mobile Q1 of 2014.
Background

77. Inapay.com is a website which provide Escrow service for online transaction in
Indonesia.
Inapay facilitate buyer and seller in the internet with a secure and easy to use
website system.
What makes Inapay.com different from other payment service is that there is no
credit card or the top up systems to do online transaction or bank transfer.
The transaction between customers and merchants is similar to joints account
service (rekber in Indonesia).
Inapay base users are individual seller & buyer in the forum (kaskus), Marketplace (tokobagus),
Social media (Facebook), blogspot user, wordpress user and other personal e-commerce website
in Indonesia.
Inapay

78. Their features also include:
• Escrow Service
• Integrated Payment System
• Inapay Membership
• Payment Method for Online Transaction
• Recent Transaction
Features

79. Fees
In using this service from Inapay, there must be fee should be paid when we do
transaction. There are two packages: silver member and gold member.

80. 16IPAY88
http://www.ipay88.com/

81. Ipay88 was launched in 2006.
iPay88 is a leading regional Payment Gateway Provider in South East Asia. Their
services are available in Indonesia but also in Thailand, Philippines and few other
South East Asia countries.
It provides credit card payment gateway for online businesses.
IPAY88

82. iPay88 Indonesia Payment Gateway is an online payment services that facilitates
online merchants or e-commerce merchants' online store in Indonesia to process
online transactions in Indonesia Rupiah (IDR).
iPay88 Indonesia Payment Gateway is one of the most comprehensive payment
gateway support payment via credit card, online banking, ATM and convenient
store counter.
IPAY88 Indonesia

83. • Real-time online payment consolidated report
• Payment notification via email or SMS (acknowledge via SMS will involve additional
cost per SMS sent)
• Equipped with Internet Security Features (PCI Data Security Standard
compliance)
• Online Fraud Prevention Mechanism
• Support mobile optimized payment page and In-Apps Payment
• Easy to integrate
• Featuring Email Payment
Why Choose IPAY88 ?

84. Fees

85. 172C2P
http://www.2c2p.com/

86. 2C2P is launched in 2008 and is privately held and backed by Expara IDM Ventures
under the i.JAM Microfunding Scheme, an initiative of the Government of Singapore,
Digital Media Partners, a VC fund from Singapore, and GMO Ventures from Japan.
2C2P (Card & Cash Payment Processor) is an e-commerce payment provider
offering innovative payment processing solutions for businesses in Asia-Pacific.
It use integration with existing payment alternatives and creating alternative
payment options (off-line, over-the-counter, or through online direct debit) to
empower consumers beyond payment cards.
2C2P

87. User of 2C2P are because they specialized in the following features:
• Payment processing,
• e-commerce,
• 3dsecure,
• payment security,
• fraud control,
• mCommerce,
• Alternative form of Payment
Features

88. 18ION Pay
http://www.ionpay.net/

89. IONPay is the fastest growing independent Payment Service Provider (PSP) in
Indonesia and is a division of business venture company Barrona Ventures, one of
the Indonesia’s most trusted business ventures.
IONPay process easy and secure online payments for many Indonesian e-commerce
businesses of all sizes.
IONPay keep their money moving and help them to handle online card fraud, ensuring that the
payment process is safe and easy for customers.
IONPay

90. IONPay provide the following solutions:
•Advanced Payment Page
•Card Storage Tokenization
•Risk and Security Management
•E-Portal: Automated Reconciliation, Online Reporting, and Administration
•Network and Connectivity Management
•Support and Maintenance
Features

91. The key elements of the solution include:
• Advanced Payment Page
• Card Storage Tokenization
• Risk and Security Management
• E-Portal: Automated Reconciliation, Online Reporting, and Administration
• Network and Connectivity Management
• Support and Maintenance
Features

92. THANK
YOU