Ayoconnect
Indonesian-built open finance API SaaS for Indonesian fintechs and digital banks
Ayoconnect is a Jakarta-built open finance API SaaS best for Indonesian BNPL providers, digital banks, and SME lenders needing deep local bank coverage. Its edge is direct integration with 100+ Indonesian banks plus QRIS, GoPay, OVO, DANA, and ShopeePay under an OJK-licensed open banking framework - hard to match for Indonesia-only fintechs. However, it is Indonesia-only, so cross-SEA fintechs should default to Brankas instead.
- ✓Indonesian bank account aggregation across 100+ banks - the deepest local coverage available
- ✓Direct debit, bills payment, and disbursement to e-wallets like GoPay, OVO, DANA all from one API
- ✓OJK-licensed open banking compliance for Indonesian regulated workloads
- ✓Per-API-call pricing at USD 0.10 to USD 0.80 - typically cheaper than Brankas for Indonesia-only volume
- ×Indonesia-only - no value for fintechs operating across multiple SEA markets
- ×No free tier or sandbox pricing - per-call charges start from the first API hit
- ×Documentation and developer ergonomics weaker than Brankas for English-first teams
- ×Bahasa Indonesia is the primary support language - English support is secondary
About Ayoconnect
Ayoconnect is a Jakarta-headquartered open finance and embedded banking API SaaS used by Indonesian fintechs, digital banks, and lenders for bank account aggregation, direct debit, bills payment, and disbursement across Indonesian banks and e-wallets. Used by Indonesian BNPL providers, lending platforms, and SME finance products as the primary Indonesian open banking infrastructure.
Key Features
Best For
Southeast Asia Fit
Ayoconnect is the Indonesian open banking and embedded finance specialist for Indonesian fintechs needing deep local bank coverage. Pricing is per-API-call, typically USD 0.10 to USD 0.80 depending on call type. For Indonesian-only fintechs with 100,000+ monthly transactions across bank account aggregation, direct debit, or bills payment, Ayoconnect typically beats Brankas on Indonesian bank coverage depth and per-call pricing. Brankas wins on cross-SEA coverage when Indonesian operations are part of a broader regional play. The practical 2026 pattern: Ayoconnect for Indonesia-only fintechs; Brankas for SEA-regional fintechs with Indonesia as one of several markets.
- Indonesia
Integrations
- E-commerce
- Bukalapak
- Payment
- QRIS
- DANA
- OVO
- LinkAja
- Mandiri
- BRI
- BNI
- CIMB Niaga
- Other
- BPJS
- Telkomsel
- XL
- Indosat
- Traveloka
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Related Analysis & Guides
The questions operators actually ask.
Should I use Ayoconnect or Brankas for Indonesia?
It depends on scope. Ayoconnect for Indonesia-only fintechs - deeper local bank coverage and better per-call pricing. Brankas for SEA-regional fintechs where Indonesia is one of several markets.
Does Ayoconnect support QRIS?
Yes, Ayoconnect handles QRIS payment acceptance alongside bank account aggregation, direct debit, and bills payment. It is one of the few Indonesian open banking APIs with QRIS, e-wallets, and bank rails under one integration.
Is Ayoconnect OJK-licensed?
Yes, Ayoconnect operates under OJK open banking licensing, which is required for Indonesian regulated workloads like lending, BNPL underwriting, and digital banking aggregation.
What does Ayoconnect cost?
Pricing is per-API-call, typically USD 0.10 to USD 0.80 depending on call type. For Indonesian fintechs with 100,000+ monthly transactions, Ayoconnect usually beats Brankas on total cost.