> ## Documentation Index
> Fetch the complete documentation index at: https://docs.singapay.id/llms.txt
> Use this file to discover all available pages before exploring further.
# Overview
Quickly start accepting payments through your website, mobile application, or a no-code integration.
Singapay provides a comprehensive payment solution designed specifically for the Indonesian market by integrating multiple payment methods and payment service providers into a single easy-to-use platform. With only one integration, merchants gain access to a complete payment ecosystem, ensuring every transaction is processed smoothly and reliably.
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## Why Choose Singapay for Payment Collection?
* **Unified Payment Aggregation**\
Integrates more than 50 major local and international payment methods, including QRIS, e-wallets, virtual accounts, credit cards, and more.
* **Fast and Transparent Settlement**\
Merchants can monitor transaction details and statuses in real time through the Dashboard or API. Early settlement services are also available to maximize cash flow efficiency.
* **Recurring Payment Solution**\
Through a single API integration, merchants can link multiple banks and digital wallets to perform scheduled automatic debits, increasing payment success rates and recurring revenue.
* **Intelligent Routing**\
Transaction requests are automatically routed to the most reliable payment provider, improving stability, increasing payment success rates, and reducing customer drop-offs.
* **Fast, Secure, and Reliable Transactions**\
Built upon an ISO 27001-certified security framework and a production-proven infrastructure that delivers secure, real-time payment processing.
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## **Core Payment Flow**
This flowchart illustrates the end-to-end journey of a transaction, from the moment a merchant initiates a charge to the final payout. It breaks down how payments are created, processed securely through various payment methods, and ultimately settled into the merchant's balance for withdrawal.
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## Available Payment Method
Singapay aggregates Indonesia's leading payment methods into a unified platform, supporting **24/7 availability**, **high-value transactions**, and **real-time settlement**.
| **Payment Method** | **Supported Channels** | **Supported Access** |
| ---------------------------- | -------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------- |
| **QRIS** | Indonesia, China, Singapore, Malaysia, Thailand, with Japan, South Korea, Vietnam, and Philippines under development | Dashboard, [API](https://docs.singapay.id/api-reference/qris-money-in/introduction), Mobile App (under development) |
| **Virtual Account (VA)** | BCA, Mandiri, BRI, BNI, CIMB, Maybank, Danamon, BSI, Permata, OCBC | Dashboard, [API](https://docs.singapay.id/api-reference/virtual-account/introduction), Mobile App (under development) |
| **E-Wallet** | GoPay, DANA, OVO, ShopeePay | Dashboard, [API](https://docs.singapay.id/api-reference/e-wallet-money-in/introduction), Mobile App (under development) |
| **Credit Card** | Visa, Mastercard, JCB, American Express, UnionPay (under development) | Dashboard, [API](https://docs.singapay.id/api-reference/card-money-in/introduction) |
| **Direct Debit** | BCA, Mandiri, BRI, BNI, CIMB, Danamon | Under development |
| **Convenience Store** | Alfamart Group (Alfamart, Alfamidi, Lawson, DAN+DAN) and Indomaret (under development) | Under development |
| **Buy Now Pay Later (BNPL)** | Kredivo, Akulaku, Indodana (under development) | Under development |
| **Crypto Wallet** | USDT (major networks), USDC (major networks) | Dashboard, API (under development), Mobile App (under development) |
*Limits and settlement times are available in the corresponding product documentation.*
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## Quick Comparison
| Method | Customer action | Best for | Settlement | Early Settlement |
| ------------------- | ------------------------------------------------- | --------------------------------------------------------- | ----------- | ---------------- |
| **Virtual Account** | Bank transfer via app, internet banking, or ATM | B2B invoicing, recurring billing, high-value transactions | T+1 Days | Available |
| **QRIS** | Scan QR code with any QRIS-certified app | In-person POS, in-app payments, printed invoices | T+1 Days | Available |
| **Credit Card** | Enter card number, CVV, expiry + 3DS confirmation | E-commerce, international customers, high-value orders | T+3 Days | Unavailable |
| **E-Wallet** | Confirm payment inside wallet app (1 tap) | Mobile-first users, fast checkout, digital products | T+1 Days | Available |
| **Subscription** | One-time authorisation, then fully automatic | SaaS, memberships, recurring services | T+1\~3 Days | Unavailable |
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## Typical Use Cases
Customer loan repayments and overdue collections.
Customers pay using local Indonesian methods such as GoPay, OVO, DANA, or Virtual Accounts.
Collect subscription payments from customers across multiple countries without maintaining local payment infrastructure.
Chinese and global companies entering Southeast Asia can quickly integrate into Indonesia's local payment ecosystem.
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