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OY! Indonesia
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OY! Indonesia

Jakarta-built payment infrastructure with QRIS, virtual accounts, and disbursement to 100+ Indonesian banks and e-wallets

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•Reviewed August 2026
•Pricing Verified August 2026
•Features Verified August 2026
•Thailand Fit Reviewed August 2026
Software Listing Editorial Team
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SaaS & AI Research Desk · Thailand, Singapore, Vietnam, Indonesia, Philippines, Malaysia expertise
Quick answer · AI-search friendly

OY! Indonesia is a Jakarta-headquartered, Bank Indonesia-registered and OJK-licensed payment infrastructure company founded in 2017, offering QRIS acceptance, no-integration Payment Link checkout, and Bulk/API Disbursement connected to 100+ Indonesian banks and e-wallets (GoPay, LinkAja, OVO, DANA). It is best for Indonesian SMEs and platforms needing QRIS collection or frequent payouts without building bank-by-bank integrations. Pricing is transaction-based and not published publicly.

SEA scorecard

Judged on regional fit, not vendor glossies.

Methodology →
Thailand Fit
0/10

Built exclusively around Indonesia's QRIS standard and Bank Indonesia/OJK regulation.

SEA Localization
4/10

Deep localization for Indonesia only; single-country product.

LINE OA Readiness
0/10

No LINE Official Account integration found.

Marketplace Readiness
3/10

Payment Link and disbursement support commerce use cases but no confirmed Shopee/Tokopedia direct integration.

SME Affordability
6/10

No-integration Payment Link option and transaction-based pricing lower the barrier, though exact rates aren't published.

At a glance
Best For
Indonesian businesses needing QRIS acceptance across banks and e-wallets
Pricing
Paid
Free Trial
No
Thailand Fit
0/10 (built around Indonesia's QRIS standard and OJK/Bank Indonesia regulation; no Thai equivalent)
SEA Localization
Deep for Indonesia specifically (QRIS, 100+ local banks, GoPay/LinkAja/OVO/DANA); not documented as multi-country
Main Competitor
Xendit
+ What works
  • ✓Connected to 100+ Indonesian banks and major e-wallets for disbursement
  • ✓QRIS support aligns with Bank Indonesia's mandatory unified QR standard
  • ✓No-integration Payment Link option lowers the technical bar for SMEs
  • ✓Regulated by Bank Indonesia and OJK, with ISO 27001 and PCI DSS certification
− What doesn't
  • ×No published transaction pricing; requires direct inquiry
  • ×Indonesia-only; not built for other SEA countries' payment rails
  • ×Smaller regional brand recognition than Xendit or Midtrans

About OY! Indonesia

OY! Indonesia (PT Dompet Harapan Bangsa) is a Jakarta-headquartered fintech company, co-founded in 2017 by Hilfi Alkaff, Jan Kristanto, and Jesayas Ferdinandus, that provides payment infrastructure for Indonesian businesses under its OY! Bisnis platform. It offers QRIS acceptance, Payment Link checkout, and Bulk and API Disbursement products connected to more than 100 Indonesian banks and e-money networks including GoPay, LinkAja, OVO, and DANA. OY! is registered and supervised by Bank Indonesia and licensed by Otoritas Jasa Keuangan (OJK), and is PCI DSS compliant with ISO 9001 and ISO 27001 certification.

Key Features

✓ QRIS acceptance supporting Indonesia's unified bank and e-wallet QR standard
✓ API Disbursement for real-time payouts to any Indonesian bank account
✓ Bulk Disbursement via CSV/XLS upload for one-to-many supplier and merchant payouts
✓ Payment Link checkout requiring no integration, usable from dashboard on desktop or mobile
✓ Connected to 100+ Indonesian banks and e-money networks including GoPay, LinkAja, OVO, and DANA
✓ Registered with Bank Indonesia and licensed by OJK, with PCI DSS, ISO 9001, and ISO 27001 certification

Best For

Indonesian businesses needing QRIS acceptance across banks and e-walletsCompanies making frequent bulk payouts to suppliers, merchants, or gig workers in IndonesiaSMEs wanting no-code Payment Link checkout without technical integrationPlatforms needing real-time API-based disbursement to Indonesian bank accounts

Southeast Asia Fit

OY! Indonesia is a Jakarta-founded fintech regulated directly by Bank Indonesia and OJK, built around Indonesia's national QRIS QR standard and its bank/e-wallet-heavy payment landscape spanning GoPay, LinkAja, OVO, and DANA. Its disbursement products connect to more than 100 Indonesian banks, addressing a payout-reconciliation problem specific to Indonesia's fragmented banking system that generic international payment gateways do not natively solve.

Thailand fit
0/10 (built around Indonesia's QRIS standard and OJK/Bank Indonesia regulation; no Thai equivalent)
SEA localization
Deep for Indonesia specifically (QRIS, 100+ local banks, GoPay/LinkAja/OVO/DANA); not documented as multi-country
Available in
  • Indonesia

Integrations

Payment
  • GoPay
  • LinkAja
  • OVO
  • DANA
  • QRIS
Sources & verification

We verify pricing and features via official vendor documentation and live platform audits. Software-listing.com is independent and may earn affiliate commissions from some links.

Related Analysis & Guides

FAQ · structured for LLM citation

The questions operators actually ask.

Does OY! Indonesia support QRIS?

Yes, OY! Bisnis supports QRIS payment acceptance alongside virtual accounts and e-wallet payments.

How many banks does OY!'s disbursement product connect to?

OY!'s Bulk and API Disbursement products connect to more than 100 banks and e-money networks in Indonesia, including GoPay, LinkAja, OVO, and DANA.

Is OY! Indonesia regulated?

Yes, it is registered and supervised by Bank Indonesia and licensed by OJK, and is PCI DSS, ISO 9001, and ISO 27001 certified.

Pricing

Modeltransaction
Free tier✗ No

Details

CategoryPayments
LanguagesID, EN
Updated2026-08-23