Indonesia’s first fully integrated payment infrastructure

A Payment Product That Suits Your Business

Payment Link

Say goodbye to providing multiple bank accounts to receive payments from customers.

Generate various payment methods (Virtual Account, E-Wallet, Debit/Credit Card*, and QRIS) for your customers just with one payment link!Send the payment link to your customer for an easy payment process.

(*) Contact our Account Manager to activate Debit/Credit Cards

Get Started ->

Virtual Account

Create your Virtual Account on OY! Business Experience the convenience of creating virtual accounts on OY! Business.

You can provide up to 10 bank options to offer flexibility for your customers in the payment process.

All historical transactions are automatically recorded on OY! Business dashboard. Get your payment verification instantly to ensure security.

Get Started ->

Bulk Disbursement

Advance your business productivity through bulk transfer from hundreds to thousands of accounts at once.

Paying salary or vendor bills can be done in just a few clicks with Bulk Disburse. Connected with 100++ banks and 4 leading e-wallet in Indonesia and the money will be received immediately.

Get Started ->

Payment Link

Say no more to provide multiple bank accounts to receive payments from customers. With one payment link, various payment methods (Virtual Account, E-Wallet, Debit/Credit Card*, and QRIS) for customers can be easily made just for you! Send the payment link to your customer to ease the payment process.

Get Started ->

Virtual Account

Create your Virtual Account on OY! Business Experience the convenience of creating virtual accounts on OY! Business. You can provide up to 10 bank options to offer flexibility for your customers in the payment process. All historical transactions are automatically recorded on OY! Business dashboard. Get your payment verification instantly to ensure security.

Get Started ->

Bulk Disbursement

Advance your business productivity through bulk transfer from hundreds to thousands of accounts at once. Paying salary or vendor bills can be done in just a few clicks with Bulk Disburse. Connected with 100++ banks and 4 leading e-wallet in Indonesia and the money will be received immediately.

Get Started ->

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

Reduce your operational time by utilizing a versatile and integrated money transfer solution.

Featured Customer

“The Payment Link features are very helpful for my business. Now, my course participants have many payment methods to choose from and I don’t have to check their payment status manually.
The ‘one-time’ and ‘reusable’ settings also add more convenience in managing payments for my course products.”

–– Daniel Yudho Pamungkas - Owner, English Fest ––

Featured Customer

“OY! Business is very helpful in facilitating payments for our business transactions at Pulsapedia.com, especially the easy withdrawal option which cannot be found at other payment aggregators.”

–– Karnadi - Owner, Pulsa Pedia ––

Featured Customer

“OY! Business helps simplify our business process. It is easy to send and receive payment and the variety of payment methods offers a lot of convenience.Having one dashboard to monitor all transactions makes it easy for us to manage our finances. Thank you, OY!”

–– Sirin Bayu Aju- Owner, VPS Pulsa ––

Featured Customer

“OY!’s Payment Link feature really helps our business in managing incoming cash flow through Virtual Accounts, where sometimes our customers have a daily transfer limit for payment.
The Bulk Disbursement feature makes it easy to manage cash flow in a more efficient manner and helps our cost saving efforts.”

–– Q Ahmada Arifin- Owner, Arasya Group ––

Featured Customer

“OY! Business really helped me in growing the CARAKA Print Channel business. Their payment service has a user-friendly dashboard, also accompanied by a very responsive and reliable customer support team.”

–– Muhammad Zainudin - Owner, CARAKA Print ––

Featured Customer

The Payment Link features are very helpful for my business. Now, my course participants have many payment methods to choose from and I don’t have to check their payment status manually.

"The ‘one-time’ and ‘reusable’ settings also add more convenience in managing payments for my course products.”

–– Daniel Yudho Pamungkas- Owner, English Fest ––

Featured Customer

OY! Business is very helpful in facilitating payments for our business transactions at Pulsapedia.com, especially the easy withdrawal option which cannot be found at other payment aggregators.

–– Karnadi - Owner, Pulsa Pedia ––

Featured Customer

OY! Business helps simplify our business process. It is easy to send and receive payment and the variety of payment methods offers a lot of convenience.

Having one dashboard to monitor all transactions makes it easy for us to manage our finances. Thank you, OY!."
‍

–– Sirin Bayu Aji - Owner, VPS Pulsa ––

Featured Customer

OY!’s Payment Link feature really helps our business in managing incoming cash flow through Virtual Accounts, where sometimes our customers have a daily transfer limit for payment.

The Bulk Disbursement feature makes it easy to manage cash flow in a more efficient manner and helps our cost saving efforts

–– Q Ahmada Arifin
- Owner Arasya Group–

Featured Customer

OY! Business really helped me in growing the CARAKA Print Channel business. Their payment service has a user-friendly dashboard, also accompanied by a very responsive and reliable customer support team.

–– Muhammad Zainudin - Owner, CARAKA Printer ––

Media Coverage

Serving MSMEs to Corporations, This is How OY! Drives the Indonesian Economy

OY! Indonesia payment service is developed to cater to different business types, from small enterprises to large corporations to carry out various crucial transactions.Now, customers can save their time and enjoy lower transaction costs. Meanwhile, business owners do not need to worry about the hassles of managing customer transactions.CNBC - Serving MSMEs to Corporations, This is How OY! Drives the Indonesian Economy

This is How OY! Indonesia Assists Corporate and MSMEs Finances

About 85% of transactions in Indonesia are still in cash. Although there are many businesses who sell their goods online, in reality many of them are still doing cash transactions.‘Even though SMEs are moving to online stores, many of their transactions are still in cash. We want to support them.

OY! Supports Financial Process for Individual and Business Needs

“In terms of money movement, OY! Indonesia facilitates all financial processes starting from customer daily transactions to various business needs, including commercial banks, digital banks, e-money and other fintech companies.”

Serving MSMEs to Corporations, This is How OY! Drives the Indonesian Economy

This is How OY! Indonesia Assists Corporate and MSMEs Finances

OY! Supports Financial Process for Individual and Business Needs

Article & Media Coverage

Products

Documentation

About

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

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

OY! Business is connected with more than 10,000 small and medium enterprises in Indonesia.

The Payment Link features are very helpful for my business. Now, my course participants have many payment methods to choose from and I don’t have to check their payment status manually.

OY! Business is very helpful in facilitating payments for our business transactions at Pulsapedia.com, especially the easy withdrawal option which cannot be found at other payment aggregators.

OY! Business helps simplify our business process. It is easy to send and receive payment and the variety of payment methods offers a lot of convenience.

OY!’s Payment Link feature really helps our business in managing incoming cash flow through Virtual Accounts, where sometimes our customers have a daily transfer limit for payment.

OY! Business really helped me in growing the CARAKA Print Channel business. Their payment service has a user-friendly dashboard, also accompanied by a very responsive and reliable customer support team.