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Boost growth & operational excellence in retail industry with our solution
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OY! Business Provides Leading Solution for a Large-Scale Businesses

OY! is committed to be the infrastructure to serve all money movements, digital and cash nationally.
A comprehensive payment solution that ensures safety and reliability for your business
Cash Management
Introducing an end-to-end cash management solution, fully licensed in enabling convenient cash deposits directly at your office to tailored cash pick-up.
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Experiences the convenience of depositing cash anytime with our user-friendly interface cash deposit machine makes the process a breeze.
Before Utilize OY!
Difficulty to find the nearest cash deposit machine
Ineffective and inefficiency
Security risk
Long reconciliation process
After Utilize OY!
Centralized and streamlined payment process
Cash deposit machine available for 24/7
Cash deposit in real-time settlement
Accurate reconciliation with the system
Expense Management
Take control of all your companies’ expenses through one seamless platform.
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Utilizes expense management to ease the company's expenses control and streamline corporate transactions seamlessly.
Before Utilize OY!
Manual expense tracking
Risk fraud and security
Ineffective budget management
Inability to track transaction activity
After Utilize OY!
An end-to-end expense management solution
A dashboard to monitor day-to-day transaction activity
Management tools that support budget control
Issue unlimited number of corporate cards
Receive Money
Effortlessly accept online payment from customers using any device, and customize the solution.
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Credibook makes use of OY! Disburse optimizes payments to hundreds of various accounts in real-time, Payment Link simplifies online payment without integration.
Before Utilize OY!
Manual process takes more time
Efficiency risk
After Utilize OY!
One Payment Link to all payment needs
Personalized link for your business needs
Save more cost
Send Money
Transfer money to multiple destinations across various banks in a single transaction with straightforward process.
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Pegadaian employs OY! Disburse to optimize transfer money to hundreds of different accounts in real-time.
Before Utilize OY!
Transfer money manually to different various accounts
Unable to transfer money simultaneously
Efficiency risk
After Utilize OY!
Transfer money to hundreds of different accounts in real-time
Save more cost
Send money becomes more effective
Cash Management
Expense Management
Receive Money
Send Money
Introducing an end-to-end cash management solution, fully licensed in enabling convenient cash deposits directly at your office to tailored cash pick-up.
Get Started ->
Experiences the convenience of depositing cash anytime with our user-friendly interface cash deposit machine makes the process a breeze.
Before Utilizing OY!
Difficulty to find the nearest cash deposit machine
Ineffective and inefficiency
Security risk
Long reconciliation process
After Utilizing OY!
Centralized and streamlined payment process
Cash deposit machine available for 24/7
Cash deposit in real-time settlement
Accurate reconciliation with the system
Take control of all your companies’ expenses through one seamless platform.
Get Started ->
BERT’s utilizes expense management to ease the company's expenses control and streamline corporate transactions seamlessly.
Before Utilizing OY!
Manual expense tracking
Risk fraud and security
Ineffective budget management
Inability to track transaction activity
After Utilizing OY!
An end-to-end expense management solution
A dashboard to monitor day-to-day transaction activity
Management tools that support budget control
Issue unlimited number of corporate cards
Effortlessly accept online payment from customers using any device, and customize the solution.
Get Started ->
Credibook makes use of OY! Disburse optimizes payments to hundreds of various accounts in real-time, Payment Link simplifies online payment without integration.
Before Utilizing OY!
Manual process takes more time
Efficiency risk
After Utilizing OY!
One Payment Link to all payment needs
Personalized link for your business needs
Save more cost
Transfer money to multiple destinations across various banks in a single transaction with straightforward process.
Get Started ->
Pegadaian employs OY! Disburse to optimize transfer money to hundreds of different accounts in real-time.
Before Utilizing OY!
Transfer money manually to different various accounts
Unable to transfer money simultaneously
Efficiency risk
After Utilizing OY!
Transfer money to hundreds of different accounts in real-time
Save more cost
Send money becomes more effective
Enhancing the efficiency of business transaction
Our Strengths
The First Integrated Cash and Digital Payment Solution
Secure and Reliable Infrastructure Partnered with 100+ Banks
Dedicated Team to Ensure Service and Operational Excellence
BI, OJK Licensed ISO Certified
Bookkeeping Integration
Multiple Integration Options to Automate Your Bookkeeping Process
Mekari Jurnal
Accurate
Xero
Learn More ->
Featured in Media
Sambut 2023, OY! Indonesia Siap Dorong Pertumbuhan Ekonomi Nasional
Layanan teknologi finansial OY! Indonesia siap mendorong pertumbuhan ekonomi nasional pada 2023. Sebagai langkah dan upaya, perusahaan...
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Di Tengah Pandemi, Volume Transaksi OY! Tumbuh 20-30%
Saat ini volume transaksi OY! pun terus meningkat, dan bisa tumbuh 20-30% setiap bulannya seiring pulihnya...
Read More
Media Featured
Sambut 2023, OY! Indonesia Siap Dorong Pertumbuhan Ekonomi Nasional
Layanan teknologi finansial OY! Indonesia siap mendorong pertumbuhan ekonomi nasional pada 2023. Sebagai langkah dan upaya, perusahaan...
Read More
Di Tengah Pandemi, Volume Transaksi OY! Tumbuh 20-30%
Saat ini volume transaksi OY! pun terus meningkat, dan bisa tumbuh 20-30% setiap bulannya seiring pulihnya...
Read More
We are here to assist you
Accelerate your business today with us to discuss the best solution for your business!

We are here to help you

Start now and accelerate all your business payments. You can also contact us to discuss solutions that are best fitted for your business.
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About
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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
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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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