You can do a variety of transactions with OY! application such as free interbank transfer, top-up various e-Money and paying your bills. We will add more transaction features in the future.
You cannot withdraw cash from debit cards balance or accounts you have linked with OY!
For now, you cannot link credit cards inside OY! Application.
OY! only stored user’s bank account information but didn’t store their debit card information. Your debit card information is stored in our payment processor partner who has linked with VISA & MasterCard networks. OY! Is using 3D Secure Process when you are linking your debit card in OY! Your bank will then send a verification code via SMS to your mobile phone. Please make sure the phone number you submitted is correct in order to receive the SMS.
Yes. OY! Is partnering with DOKU as our payment processor. They will store your data and guarantees the security of your data, information, and transactions in accordance with applicable banking industry standards, namely Payment Card Industry Data Security Standard (PCI-DSS).
Yes. OY! Is paying close attention to the security of your data. You will always be asked to input unique OTP code for every transactions and it is very important you did not share the OTP code with anyone else.
Yes. OY! Indonesia is registered with Bank Indonesia as a provider of financial technology.
The Financial Services Authority (OJK) is tasked with overseeing the financial industry stakeholders such as banks, insurance, capital markets, financial institutions. Whereas OY! Indonesia, as the provider of financial technology in the field of payment which is under the supervision and regulation of Bank Indonesia.
If you didn’t have enough balance in your account, your transactions will be automatically declined.
You can email and report it directly to our Customer Support team at email@example.com. You must prove the irregularity of the mutation by providing all data and information needed and requested by firstname.lastname@example.org except for PIN, Password, and OTP. The data and information will be used by the Customer Support team to validate whether your report is valid or not. If valid, the refund process can be carried out. But if it’s invalid, then OY! has the right to take the necessary actions to prevent undesirable things.
OY! Is not responsible for a refund if the mistakes were made by the user. Please make sure all the information is correct before making any transaction.
You can contact our Customer Support for further instructions.
For Direct Debit payment method, you will be charged Rp1,500 for each transaction. As for Bank Transfer and Virtual Account payment method, you will not be charged at all but there will be additional unique code (starting from Rp100 – Rp900) to facilitate the system validating your transactions. Specifically for transactions using Bank Permata Virtual Account, users will be charged additional Rp500 and using BRI Virtual Account will also be charged additional Rp100 for each transaction. Policies related to fees and unique codes can be changed at any time according to the decision of the management of OY! Indonesia.