Send Money to Over 20,000 Recipients in One Transaction

Meet all of your business's fund transfer needs, whether through bank transfers, virtual accounts, or e-wallets.
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Facilitating integrated payment solution to enable your corporate growth
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Empower operations with customized payment and real-time visibility
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Streamlining financial complexity through automation for growing businesses
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Boost growth & operational excellence in retail industry with our solution
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Experience business efficiency with our customized end-to-end solution.
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Trusted by various industries in Indonesia
Bareksa
Bareksa
A Secure and Reliable Way to Transfer Funds

Sending money to many destinations
has never been more convenient

Transfer via dashboard 

Transfer funds to multiple bank or e-wallet accounts by simply uploading excel/CSV files on our dashboard.
Watch Tutorial

Transfer with API 

Integrate our Disbursement API system into your product to transfer money automatically.
See API Documentation
The Easy Way to Transfer Money

Meet All of Your Fund Transfer
Requirements

Transfer to more than
100 of the biggest banks
& e-wallets in Indonesia
International fund
transfer to various
countries
Offer bill payment on
your platform
Process customer refund automatically

Send Money Features

A full range of fund transfer options and seamless connection to payment providers

International
Transfer
Bulk Disbursement
Disbursement API
FREE*
Account Payable
Biller API
Claim Fund

International Transfer

Transfer funds overseas to various destination countries
in multiple currencies with competitive exchange rates.
Learn More->
Open to international corridors such as: Singapore,
Hong Kong, and China
Money is sent to the beneficiary's account within
three days of successful processing
Send money from IDR to USD, SGD, HKD, CNY
Transfer notifications are sent automatically to the sender's email

Bulk Disbursement 

Send money to thousands of recipients at the same time
for scheduled or real-time payments and save up to 20%
on costs.
Learn More ->
Transfer to over 100 banks and e-wallets in
Indonesia in real-time 24/7
Process 20 thousand transactions in just seconds
Send funds on a scheduled and automated basis
Unlimited number of transactions

Disbursement API

Integrate the Disbursement API with your product for the convenience of sending money to various banks and e-wallets simultaneously at one time.
Learn More ->
Facilitate seamless API integration to your
business
Transaction history is recorded automatically on one dashboard
Schedule automatic disbursements according to
your business model

Account Payable

Equipped with OCR (Optical Character Recognition) to automatically scan your payables. Never miss a payment: scan, upload, and pay all incoming payable invoices with ease.
Learn More
*Limited time offer
Centralize, monitor, and pay all invoices under one dashboard
Customizable invoice Terms of Payment (ToP),
adjustable to your payment agreement
Multi-layer approval feature to ensure secure
payments
Establish and maintain a vendor database via
Vendor Management feature

Biller API

Offer your customers the flexibility to pay their bills on
your platform, from water, electricity, to internet bills.
Learn More ->
Integrate more than 290 biller payments through
one API
Schedule automatic payment reminders
Provide multiple options for customers to pay their
bills with a variety of payment methods
Receive automatic payment notifications

Claim Fund

Process customer refunds securely without having to store their bank account details.
Learn More ->
Refund money to your customers without their bank account information
Automate the refund process for your business
Secure layer of approval feature to control all refunded transactions

Bulk Disbursement 

Send money to thousands of recipients simultaneously for scheduled or real-time payment and save up to 20% in cost.

Learn More

Transfer to over 100 banks and e-wallets in Indonesia in real-time 24/7
Send funds on a scheduled and automated basis
Process 20 thousand transactions in seconds
Unlimited number of transactions

Disbursement API

Integrate the Disbursement API with your product for the convenience of sending money to various banks and e-wallets simultaneously at one time.

Learn More

Facilitate seamless API integration to your business
Schedule automatic disbursements according to your business model
Transaction history is recorded automatically on one dashboard

International Remittance

Transfer funds overseas to various destination countries in multiple currencies with competitive exchange rates.

Talk to Our Expert

Open to international corridors such as: Singapore, Hong Kong, and China
Send money from IDR to USD, SGD, HKD, CNY
Money is sent to the beneficiary's account within three days of successful processing
Transfer notifications are sent automatically to the sender's email
FREE*

Account Payable

Equipped with OCR (Optical Character Recognition) to automatically scan your payables. Never miss a payment: scan, upload, and pay all incoming payable invoices with ease.
Learn More
*Limited time offer
Centralize, monitor, and pay all invoices under one dashboard
Multi-layer approval feature to ensure secure payments
Customizable invoice Terms of Payment (ToP), adjustable to your payment agreement
Establish and maintain a vendor database via Vendor Management feature

Biller API

Offer your customers the flexibility to pay their bills on your platform, from water, electricity, to internet bills.

Learn More

Integrate more than 290 biller payments through one API
Provide multiple options for customers to pay their bills with a variety of payment methods
Schedule automatic payment reminders
Receive automatic payment notifications

Claim Fund

Process customer refunds securely without having to store their bank account details.

Learn More

Process customer refunds securely without having to store their bank account details.
Automate the refund process for your business
Secure layer of approval feature to control all refunded transactions
Join more than 1,000 Businesses with Hassle Free Financial Operations

Increase operational efficiency by utilizing a diverse and integrated money transfer solution.

Featured Customer

Credimart Easily Manages Transaction Process Powered by Payment Link

"OY! Business’ products facilitate a seamless transaction process for B2B CrediMart users to receive real-time order confirmations. On the technical side, the implementation is easy and efficient, while the customer care team is also quite responsive.”
––  Adi Swandaru - VP of Sales
CrediMart ––
Featured Customer

BukuWarung Drives Business Scalability through Digital Payment

“We have worked together to integrate OY! Indonesia’s convenient disbursement and collection tools into our affordable, easy-to-use and secure payment feature. This feature will reduce friction to the movement of merchant’s money across the entire value chain.”
–– Romy Williams - VP Strategic Partnership, Compliance & Legal ––
Featured Customer

Bareksa Streamlines Customer Payments with Automated Solution

“OY! products simplify Bareksa's business process from the buying of mutual funds to transferring funds to the custodian banks. From a technical perspective, the implementation is quite efficient, there are rarely any issues, and the team is open when partners need to make process adjustments to make the flow simpler."
–– Asep Andria - Chief Product Officer ––

Join more than 1,000 Businesses with Hassle Free Financial Operations

Increase operational efficiency by utilizing a diverse and integrated money transfer solution.

01
Buku Warung
02
Bareksa
03
CrediMart
Featured Customer

BukuWarung Drives Business Scalability through Digital Payment

“We have worked together to integrate OY! Indonesia’s convenient disbursement and collection tools into our affordable, easy-to-use and secure payment feature. This feature will reduce friction to the movement of merchant’s money across the entire value chain.”
–– Romy Williams - VP Strategic Partnership, Compliance & Legal ––
Featured Customer

Bareksa Streamlines Customer Payments with Automated Solution

“OY! products simplify Bareksa's business process from the buying of mutual funds to transferring funds to the custodian banks. From a technical perspective, the implementation is quite efficient, there are rarely any issues, and the team is open when partners need to make process adjustments to make the flow simpler."
–– Asep Andria - Chief Product Officer ––
Featured Customer

Credimart Easily Manages Transaction Process Powered by Payment Link

"OY! Business’ products facilitate a seamless transaction process for B2B CrediMart users to receive real-time order confirmations. On the technical side, the implementation is easy and efficient, while the customer care team is also quite responsive.”
–– Adi Swandaru - VP of Sales CrediMart ––
Pricing
Pay only for the number of transfers you perform

Bank Transfer

Send money to more than 100 banks

Rp4.000

/Transaction

Transfer to e-wallet

Send money to the most popular e-wallets

Rp2.000

/Transaction

Monthly transactions above IDR 1 billion?

• Get special quotation
• No additional or hidden costs for integration
• Personalized customer success tailored to your needs
We are eager to assist you
Run your business with confidence with our integrated payment solution! Experience the future of money movement
infrastructure today. 
Try Demo
Get Started

People Also Ask

People Also Ask

What is OY! Indonesia payment?

OY! Indonesia provides various types of payment methods, including QRIS payments, Payment Link, Bulk Disbursement, Cash Management, Corporate Card, and even Reimbursement.4o

What is the OY! Indonesia?

OY! offers an API platform that enables businesses and individuals to integrate payment solutions into their business payment systems. This provides a high level of flexibility and ease of use.

What kind of company is OY! Indonesia?

OY! Indonesia is a financial technology (fintech) company that provides integrated payment solutions to help businesses and individuals conduct financial transactions easily, securely, and efficiently. Founded in 2017, it initially started as a chat application before evolving into a fintech service in 2018. OY! Indonesia is registered and regulated by Bank Indonesia, ensuring its security.

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Documentation
About
Logo BI White
PT. Dompet Harapan Bangsa (“OY! Indonesia”) registered and authorized by Bank Indonesia, Register Number 21/267/Jkt/3
PT. Dompet Harapan Bangsa (“OY! Indonesia”) registered and authorized by the Financial Services Authority, Register Number S-326/MS.72/2019
Logo Kominfo White
OY! Indonesia registered as the electronic system provider at Indonesia Ministry of Communication and Informatics, Register Number 000019.01/DJAI.PSE/02/2021.
ISO 9001 Quality Management System, ISO 27001 Information Security Management System, ISO 37001 Anti-bribery Management System certified by BSI under certificate numbers FS 751090, IS 751086, and IABMS 780552
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