Help Center

Self-service registration is currently disabled while we onboard pilot merchants. To request access, send your business name, country of incorporation, and expected monthly volume to sales@unitpay.net. Our team responds within 48 hours WIB.

After we receive your business documents and director KYC via Didit, full onboarding usually completes within 5 to 10 business days. The critical path covers NPWP verification, BI-FAST settlement account setup, and AML risk-tier assessment.

Cards (Visa, Mastercard with 3-D Secure 2.0); virtual accounts at BCA, Mandiri, BRI, BNI, and Permata; e-wallets including GoPay, OVO, DANA, ShopeePay, and LinkAja; plus BI-FAST real-time bank transfer. See our pricing page for the fee per method.

IDR (primary), USD, and EUR. Settlement defaults to IDR; USD and EUR settlement is available on request and subject to additional KYB review.

Yes. Inbound BI-FAST is available as a payment method, and outbound BI-FAST is available for IDR fiat payouts. Both settle in real time during BI clearing windows.

Fees vary by payment method. Cards: 2.9% + Rp 2.000. BI-FAST: 0.5% + Rp 1.000. Virtual Account: 1.0% + Rp 4.000. The full fee table is on our Pricing page. All prices exclude PPN 11%.

No setup fee for the standard tier and no monthly minimum. Fees are billed per successful transaction. Custom volume pricing is available for high-volume merchants. Contact sales@unitpay.net for a quote.

Standard refunds are free. Card chargebacks carry a Rp 75.000 representment fee that we pass through from the network. Repeated chargebacks above a 1% ratio may trigger a risk-tier review. The full policy is in our Refund and Chargeback Policy.

Standard settlement is T+2 working days for cards, T+1 for virtual accounts and e-wallets, and real time for BI-FAST. USDT payouts complete within 30 minutes. WIB working days apply (Mon to Fri).

Default limits are Rp 500.000.000 per single payout and Rp 5.000.000.000 per day. These can be raised on a per-merchant tier basis after a KYB review. USDT payouts default to USD 50.000 per single payout and USD 500.000 per day at standard tier.

Yes. Batch payouts are supported via the merchant cabinet and the API. A single batch can include up to 100 destinations and mixes IDR fiat and USDT recipients. Each line settles independently against the per-recipient limits.

To meet Indonesian payment system regulatory expectations and PPATK requirements (PBI 23/6/2021), we verify the identity of every director, beneficial owner, and signatory. KYC is performed by Didit and includes document verification, biometric liveness check, and AML screening (sanctions, PEP, adverse media).

For Indonesian directors: KTP (national ID). For non-Indonesian directors: passport. In both cases a clear selfie is required for biometric liveness. The upload happens via the Didit verification link sent during onboarding.

From the merchant cabinet, open the transaction and click Refund. Both full and partial refunds are supported. Card refunds complete in 5 to 10 working days; bank transfer and e-wallet refunds in 1 to 3 working days. The full policy is in our Refund and Chargeback Policy.

Under POJK 18/2018, customers may escalate to the OJK Hotline 157 (24 hours) or to LAPS SJK at lapssjk.id. Complaints can also be sent to complaints@unitpay.net. We respond within 5 working days as required by the regulation.

Common triggers include a failed AML re-screening, a sustained chargeback ratio above 1%, a prohibited business category under our Acceptable Use Policy, or a regulatory request from BI, OJK, or PPATK. Full grounds are listed in our Account Suspension and Blocking Rules.

We provide a hosted payment form at pay.unitpay.net and a REST API at api.unitpay.net. Server side: create a payment intent via POST /payments, then redirect the customer to the returned redirect_url. Webhooks notify your callback URL of the payment status. The full API reference is at docs.unitpay.net.

Yes. After onboarding, the merchant cabinet exposes both Test and Live API keys. Test keys hit the sandbox environment, which mirrors production but uses test cards (for example 4242 4242 4242 4242). No real funds move in the sandbox.

Standard Visa and Mastercard test cards: 4242 4242 4242 4242 (success), 4000 0000 0000 9995 (insufficient funds), and 4000 0027 6000 3184 (3-D Secure challenge). Use any future expiry date and any 3-digit CVV.

Each webhook includes an X-UnitPay-Signature header with an HMAC-SHA256 of the raw body, computed using your project webhook secret. Compute the same HMAC on your server and compare in constant time. Code samples are available at docs.unitpay.net/webhooks.