Payment Gateway
One API for every Indonesian rail — QRIS, Virtual Account at BCA, Mandiri, BNI, and BRI, e-wallets (GoPay, OVO, DANA, ShopeePay, LinkAja), and credit cards via NSICCS. Every transaction is fraud-scored by FDS, monitored by AML, and reconciled automatically.
{
"amount": 4500000,
"currency": "IDR",
"rail": "bi_fast",
"merchant_id": "MRC_4421",
"customer": {
"id": "CUS_82391",
"kyc_tier": 2
},
"metadata": {
"order_ref": "INV-9821"
}
}{
"id": "txn_QmZ7AfP",
"rail": "BI_FAST",
"status": "settled",
"amount": 4500000,
"fee": 1500,
"settled_at": "12:24:47.812",
"fds": "ALLOW",
"aml": "queued"
}Simple integration, powerful results
Merchant Calls /charge
Merchant POS, marketplace, or app calls POST /v1/charge with amount, customer, and payment method choice.
Rail Routing
PG routes to the chosen rail — QRIS NMID, VA bank, e-wallet provider, or NSICCS card processor — and authorizes.
FDS + AML Handoff
PG synchronously hands the transaction to FDS for fraud scoring; AML receives it asynchronously for typology monitoring.
Webhook + Reconciliation
Signed webhook fires on settlement; the Reconciliation Engine ingests the settlement file and matches against the merchant's ledger.
Key Features
Everything you need, nothing you don't.
QRIS — Static & Dynamic
Dynamic QRIS for online checkout and static QRIS for in-store displays — both routed through the BI national QRIS infrastructure.
Virtual Account — BCA, Mandiri, BNI, BRI
Issue closed VAs with custom expiry and amount — supported across BCA, Mandiri, BNI, and BRI with bank-grade reliability.
E-Wallet Acceptance
Native integrations with GoPay, OVO, DANA, ShopeePay, and LinkAja — single API, unified callbacks.
Credit / Debit Card via NSICCS
GPN, Visa, and Mastercard acceptance using NSICCS-certified processing — 3D Secure 2 + tokenization built in.
Built-in FDS + AML Handoff
Every authorization is handed to Straventa FDS for sub-100ms fraud scoring and to AML for ongoing transaction monitoring — no extra integration.
Webhook + Idempotency
Signed webhooks with retry, idempotency keys per transaction, and full event replay from the dashboard.
Multi-Currency Settlement
Settle in IDR by default; cross-border merchants can opt into USD or SGD settlement at the configured FX rate.
Dashboard & Reporting
Real-time transaction view, daily settlement reports, and direct hand-off into the Reconciliation Engine for matching.
Built for Indonesian regulations
Get the PG technical brief
12-page PDF — architecture, integration paths, sample payloads, OJK control map. No sales call required.
No newsletter, no marketing follow-up. One email, the brief, that's it.
Skip the form. Talk to engineering.
We answer from Jakarta in WIB business hours. Real engineers, not gatekeepers — the answer to “can you do X” is on the same email thread, not three days later.
Talk to a WIB engineerSaaS or On-Premise
Payment Gateway is available as a fully managed SaaS or as an on-premise deployment inside your own infrastructure.
Ready to automate your financial operations?
Join fintechs and banks across Indonesia who trust Straventa for their compliance and risk operations.