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

Our payment system offers convenience for growing businesses. The more efficient your business is, the more revenues you will earn!

Sending money and accepting payments can be done in no time. Improve your business performance with various features from OY! Business.
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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.

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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 ->
Mobile App
OY! Business is now available on Android. Take care of business straight from your phone!

Create and share payment links, send funds to various accounts, and receive payment notification directly on OY! Business app.

Manage your business transactions anywhere and anytime on OY! Business mobile app.

Download mobile app
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Benefit
Advantages of Using OY!
Real-time settlement
Always
Available 24/7, no time off
Connected to > 100 Banks and leading
e-wallets in Indonesia
Registered at BI, OJK, and ISO 9000, 37001 & 27001 certified
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
Read more
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.
Read more
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.”
Read more
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
Read more
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.
Read more
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.”
Read more
Article & Media Coverage
Increase Your Business Income!
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PT. Dompet Harapan Bangsa (“OY! Indonesia”) terdaftar dan disahkan oleh Bank Indonesia, Nomor Register 21/267/Jkt/3.
PT. Dompet Harapan Bangsa (“OY! Indonesia”) terdaftar dan disahkan oleh Otoritas Jasa Keuangan, Nomor Register S-326/MS.72/2019.
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OY! Indonesia terdaftar sebagai penyedia sistem elektronik di Kementerian Komunikasi dan Informatika Republik Indonesia, Nomor Register 000019.01/DJAI.PSE/02/2021
ISO 9001 Quality Management, ISO 37001 Anti-bribery Management dan ISO 27001 Information Security Management disertifikasi oleh BSI dengan nomor sertifikat FS751090, IS751086, dan IABMS 780552.
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