Products

Online payments and payouts, on Indonesian rails

One integration covers cards, virtual accounts, e-wallets, BI-FAST, and cross-border payouts in IDR, USD, and EUR.

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Online Payments

Accept payments across every Indonesian rail

Local rails for domestic conversion, international cards for cross-border buyers - settled to a single merchant balance.

Cards

Visa and Mastercard with 3-D Secure 2.0 authentication. Tokenization keeps card data off your servers under PCI DSS scope.

  • Visa, Mastercard, JCB
  • 3-D Secure 2.0 frictionless flow
  • Tokenized card-on-file for repeat purchases

Virtual Accounts

A unique rekening number per order across the major Indonesian banks. The buyer pays via mobile banking or ATM, and the payment is matched automatically.

  • BCA, Mandiri, BRI, BNI, Permata
  • Auto-reconciled by VA number
  • Configurable expiry per order

E-wallets

Indonesia's most-used digital wallets in one integration. The buyer scans or taps in their wallet app and is back at your checkout in seconds.

  • GoPay, OVO, DANA, ShopeePay, LinkAja
  • QRIS-compatible flows for in-store
  • Webhook-based status updates

BI-FAST

Bank Indonesia's real-time interbank transfer rail. 24/7 settlement between member banks, with the lower transfer fees buyers expect.

  • Real-time confirmation
  • Low per-transaction fee
  • Operates 24/7, including holidays

Payouts

Pay anyone, anywhere, in the currency they expect

Move funds from your merchant balance to bank accounts and crypto wallets. Single payouts via dashboard or API, batched up to 100 destinations per submission.

Fiat payouts

Pay out in IDR, USD, and EUR to Indonesian and international bank accounts. SWIFT and local rails, with full traceability for AML reporting.

  • IDR to all major Indonesian banks
  • USD and EUR to international beneficiaries
  • Full audit trail per transaction

USDT on Tron

Outbound stablecoin payouts on the Tron (TRC-20) network for treasury and partner settlement. Inbound crypto-on-deposit is intentionally out of scope.

Batch payouts

Disburse to many beneficiaries at once - up to 100 destinations per submission. Useful for marketplaces, payroll runs, and creator economy disbursement.

  • Up to 100 destinations per file
  • CSV upload or REST API submission
  • Per-row retry and failure reporting

Five ways to start accepting payments

Pick the integration that fits your stack. Most merchants go live within a week.

Hosted Checkout

Redirect buyers to a UnitPay-hosted page that handles every payment method, 3-DS, and language. Card data never touches your servers.

Payment Links

Generate a shareable URL or QR code in the dashboard. Send by email, WhatsApp, or social - no engineering required.

REST API

Full server-side control via signed REST endpoints. Idempotent payment intents, webhooks for state changes, and sandbox keys from day one.

Embeddable Widget

A drop-in JS widget for your existing checkout. Renders the right payment methods for the buyer's locale and device.

CMS Plugins

Official extensions for WooCommerce, OpenCart, PrestaShop, and Magento. Install, paste API keys, and start accepting payments.

At a glance

  • Currencies

    IDR, USD, EUR (USDT for outbound payouts)

  • Settlement

    Configurable per merchant tier and rail

  • Security

    PCI DSS attested, 3-D Secure 2.0, tokenization, webhook signing

  • Hosting

    Indonesia data centre, aligned with UU PDP and OJK guidance

Ready to integrate?

Tell us about your volumes, rails, and integration timeline. We will scope a contract and pricing tailored to your business.

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