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Facilitating integrated payment solution to enable your corporate growth
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Streamlining financial complexity through automation for growing businesses
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Revolutionizing payment acceptance for all

Provide a variety of payment methods for your customer, unlock full business potential with OY! Receive Money
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OY! Business has been trusted by various industries in Indonesia
Trusted by various industries in Indonesia
Bareksa
Bareksa
Power up your acceptance with OY!

Multiple solutions to receive money

Create, customize, & share Payment Links in a few clicks

Generate hassle-free and powerful payment links for your customers,
directly from the dashboard without integration anytime, anywhere
Watch Tutorial

End-to-end payment flow with Payment Routing

One API to enable powerful 360° user payment journey. Increase efficiency by eliminating payment processing redundancy
Watch Tutorial

Seamless API integration to personalize your checkout

Our quick and easy API integration will ensure a seamless to directly integrate with your website and application
See API Documents 
Explore multiple ways to receive money by OY!

One question, many solutions

QRIS(Quick Response Code Indonesian Standard)
Bank Transfer
E-Wallet
Buy Now Pay Later
Over the Counter (Retail)
Credit & Debit Card
QRIS(Quick Response Code Indonesian Standard)
Bank Transfer
E-Wallet
Buy Now Pay Later
Over the Counter (Retail)
Credit & Debit Card

Receive Money Features

One integration, multi-solution for corporate finance

Payment Routing
Payment Link
VA Aggregator
E-wallet Aggregator
FREE*
Account Receivable

Payment Routing

End-to-end solution for accepting payments from your customers and route the funds directly to multiple bank accounts once you receive the payment.
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  • One solution for money in & out → This API allows for end-to-end solution from receiving to disbursing funds. We will disburse to the recipient accounts once your customers complete the payment
  • Supports multiple recipient accounts → Need to send money to multiple accounts in one transaction? Worry not! We support up to 10 recipient accounts when we disburse your funds
  • Diverse payment methods → All bank transfers (VA & unique code), e-wallet and CC/DC payment methods are readily available. If you do not have a checkout interface, our Payment Link can help your customers complete the payment
  • 24/7 transaction tracking and monitoring → Track all payment routing transaction details through our callback or the OY! dashboard. You can monitor the status of each process, from creation until the disbursement completion

Payment Link

Pre-built checkout page that allows your business to accept secure payments seamlessly.
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  • Create Payment Link via API & dashboard → Options for all – call our API with ease to feed Payment Link automatically to your customers or generate them seamlessly via OY! Dashboard
  • Reusable & one-time Payment Link → You can decide how your Payment Link works, create a one-time or reusable Payment Link to receive multiple payments with or without an expiration date
  • Fully customizable → Embrace your brand identity and maintain consistent brand identity by adjusting the logo and theme color
  • Reach your customers → Send Payment Links to your customer’s email/WhatsApp so they don’t miss any payments, all directly from the dashboard!

VA Aggregator

Generate customizable Virtual Account (VA) numbers as a bank transfer payment, adjustable to your needs.
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  • Generate VA via API & dashboard → Create VA automatically by integrating your applications with our VA Aggregator API or directly via the OY! dashboard, no coding required!
  • Real-time settlement → Payment into a VA will settle in your OY! dashboard on a real-time basis for the majority of the banks* (*for BCA, the settlement will take place H+2 after payment is made into the VA)
  • Customizable VA → Customize the VA numbers you create at your convenience. We offer options of static or dynamic accounts, single or multiple use, opened or closed amounts, and set expiration dates
  • Multiple banks support → Provide virtual accounts (VA) from 11 banks: BCA, BNI, Mandiri, BRI, Permata, CIMB Niaga, BTPN, KEB Hana, Danamon, Maybank and Bank Syariah Indonesia (BSI)

E-wallet Aggregator

Broaden your customer base by providing an e-wallet as a payment method.
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  • Various e-wallet support → Accepting payments from ShopeePay, DANA, LinkAja, and OVO
  • Immediate onboarding → OY! provides seamless real-time onboarding experience to enable e-wallet acceptance for you, no more missed opportunities!
  • Easy refund → Need to refund e-wallet transactions? Use our Refund e-wallet API to refund successful e-wallet payments for up to 7 days
  • Link your customer’s e-wallet account → Improve your customer’s experience by linking their e-wallet account to your app, so your customers can see their e-wallet balance before creating orders.

Account Receivable

Create, personalize and send invoices to your customers while adding and expanding each transactional data to a dedicated customer database.
See a DemoLearn More
*Limited time offer
  • Real-time payment monitoring → One door to monitor all incoming payments, get real-time payment notifications or send payment reminders to your customers
  • Personalized invoice → Fully personalize your outgoing invoice to embrace your brand identity and create familiarity to your customers
  • Customer database → Establish and grow your own customer database, with complete payment status and history
  • Payment Link on invoice → Seamlessly add Payment Link to provide customers multiple ways of paying their invoice dues from you

Payment Routing

End-to-end solution for accepting payments from your customers and route the funds directly to multiple bank accounts once you receive the payment.
Get Started ->
One solution for money in & out
Supports multiple recipient accounts
Diverse payment methods
24/7 transaction tracking and monitoring

Payment Link

Pre-built checkout page that allows your business to accept secure payments seamlessly.
Get Started ->
Create Payment Link via API & dashboard
Reusable & one-time Payment Link
Fully customizable
Reach your customers

VA Aggregator

Generate customizable Virtual Account (VA) numbers as a bank transfer payment, adjustable to your needs.
Get Started ->
Generate VA via API & dashboard
Real-time settlement
Customizable VA
Multiple banks support

E-wallet Aggregator

Broaden your customer base by providing an e-wallet as a payment method.
Get Started ->
Various e-wallet support
Immediate onboarding
Easy refund
Link your customer’s e-wallet account
FREE*

Account Receiveable

Create, personalize and send invoices to your customers while adding and expanding each transactional data to a dedicated customer database.
Learn More
*Limited time offer
Real-time payment monitoring
Personalized invoice
Customer database
Payment Link on invoicje
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

Bibit Easily Manages Transaction Process Powered by OY! Virtual Account to accept payment effortlessly.

"Fast response and OY! has a very reliable team to support the client's needs in providing convenient transaction methods for millions of Bibit users.”



‍
–– Erwin Handono - Head Of Marketing Bibit.id ––
Featured Customer

Investree Streamlines Customer Payments with Automated Solution

"Investree has been working with OY! to streamline our operations in making bulk repayment to Investree users. Instead of making a series of payments for users, now we can process the user's payment more efficiently with just one invoice. OY! provides a payment solution that helps us in driving growth in the ultra micro segment."
‍
–– Sigit Suryawan - VP Retail Products & Innovation ––
Featured Customer

Payment Link to simplify online payment process without integration, & Transaction Data to analyze bank transaction data

"Initially we are looking for a business partner to assist in payment solution. Once we've worked with OY!, we are pleased to work with a strategic partner who is ready 24/7 to support us and move forward with us."
‍
––  Ferdinand Kardinan - Project Lead CEO Office ––

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

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

01
Bibit
02
Investree
03
UniPin
Featured Customer

Bibit Easily Manages Transaction Process Powered by OY! Virtual Account to accept payment effortlessly.

"Fast response and OY! has a very reliable team to support the client's needs in providing convenient transaction methods for millions of Bibit users.”
–– Erwin Handono - Head Of Marketing Bibit.id ––
Featured Customer

Investree Streamlines Customer Payments with Automated Solution

"Investree has been working with OY! to streamline our operations in making bulk repayment to Investree users. Instead of making a series of payments for users, now we can process the user's payment more efficiently with just one invoice. OY! provides a payment solution that helps us in driving growth in the ultra micro segment."
–– Sigit Suryawan - VP Retail Products & Innovation ––
Featured Customer

OY!'s Payment Link helps UniPin simplify online payment process without integration

"Initially we are looking for a business partner to assist in payment solution. Once we've worked with OY!, we are pleased to work with a strategic partner who is ready 24/7 to support us and move forward with us."
–– Ferdinand Kardinan - Project Lead CEO Office ––
Pricing
Take a look at our diverse selection of acceptance pricing
Virtual Account
> 10+ Bank VA options
MandiriBNIBRICIMB Niagaicon permata
Rp4.000 - 4.500
/transaction
Debit & Credit Card
Acceptance from debit & credit card
Rp2.000 + 2,9%
/transaction
e-Wallet
Acceptance from e-Wallet Link Aja & Dana
LinkAja White Logo
Acceptance from e-Wallet Ovo & Shopeepay
ShopeePay
1.5 %
/transaction
2 %
/transaction
PayLater
Acceptance from Buy Now Pay Later platform (BNPL)
1.5 %
/transaction
QR Code Indonesian Standard (QRIS)
Acceptance via QRIS scanning
0,7%
/transaction
Over the Counter (Retail Outlet)
Acceptance from cash payments in over 12.000 retail shops across Indonesia
Rp5.000
/transaction
More than 10,000 transactions per month?
• Get discounted pricing
• Custom services and packages
• No additional fee for integration
Talk to our Expert
Flexible and Transparent Pricing Tailored to Your Needs
Run your business with confidence with our integrated payment solution! Experience the future of money movement infrastructure today. 
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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
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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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