Platform

The complete Straventa platform stack

From onboarding to settlement — 15 products across 7 layers. 7 are available today; 8 are coming soon. Every layer speaks the same API, shares one identity, and writes to one audit trail.

Onboarding

Verify who you are doing business with — individuals and entities.

1 product · 1 available

KYC / KYBAvailableIdentity and business verification across Indonesian providers — Dukcapil e-KTP, liveness, NPWP, and NIB through one API.

Acceptance

Take money in, across every Indonesian channel and surface.

3 products · 2 available

Point of SaleAvailableQRIS, EDC, and an offline-first kasir UI for Indonesian merchants — sales keep going through internet outages.

MarketplaceAvailableMulti-merchant marketplace with a branded storefront per merchant at <merchant>.straventa.com and unified payouts.

Recurring BillingComing soonSubscriptions, invoicing, and failed-payment dunning — built on the Payment Gateway so every charge flows straight to settlement.

Gateway

One API to every Indonesian rail, plus the issuing and tokenization primitives on top of it.

4 products · 1 available

Payment GatewayAvailableAll Indonesian rails behind one API — QRIS, Virtual Accounts (BCA, Mandiri, BNI, BRI), e-wallets, and NSICCS cards.

IssuingComing soonIssue per-customer Virtual Accounts (BCA, Mandiri, BNI, BRI), cards, and wallets — every issuance writes to the Straventa Ledger.

Card VaultComing soonPCI tokenization-as-a-service — tokenize customer cards once and reuse them across channels; card PANs never touch your infrastructure.

Open BankingComing soonBI-SNAP account verification, balance inquiry, and payment initiation across participating Indonesian banks.

Credit

Extend credit at checkout and to merchants, with risk-aware decisioning.

1 product · 0 available

Lending / BNPLComing soonCheckout credit, merchant cash advances, and risk-aware decisioning — aligned with OJK multifinance oversight.

Ledger

The double-entry balance core every movement of money writes to.

1 product · 0 available

Ledger / WalletComing soonDouble-entry balance core for wallets, escrow, and merchant splits — the immutable journal every settlement reconciles against.

Risk

Score fraud, monitor for AML typologies, and manage disputes.

3 products · 2 available

Fraud DetectionAvailableSub-100ms transaction fraud scoring with a configurable, fully explainable rule engine — no black box.

AML MonitoringAvailableTransaction monitoring across all 9 PPATK typologies with automated STR/LTKM drafting and case management.

DisputesComing soonChargeback intake, evidence management, and bank-liaison workflows — every case carries a full audit trail.

Settlement

Match, reconcile, and pay out — close the books automatically.

2 products · 1 available

ReconciliationAvailableAutomated transaction matching, settlement queue, and maker-checker exception handling — closes the daily book itself.

DisbursementComing soonMass payouts API — disburse to bank accounts and e-wallets via BCA, Mandiri MCC, and BNI Direct Debit; every batch reconciled.

Adopt the whole stack or any single layer — every product speaks the same API, shares one identity, and writes to one audit trail.

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