Available payment products
Virtual Account
Unique bank account numbers across 10 banks. Customers pay via standard bank transfer — no apps, no special setup.
QRIS
Per-transaction dynamic QR codes accepted by every QRIS-certified app in Indonesia.
Credit Card
Accept Visa, Mastercard, and American Express with 3D Secure authentication.
E-Wallet
Native integrations with GoPay, OVO, ShopeePay, and DANA for a seamless in-app payment flow.
Subscription
Recurring billing via Credit Card or GoPay — tokenise once, charge automatically on any schedule.
Quick comparison
| Method | Customer action | Best for | Settlement |
|---|---|---|---|
| Virtual Account | Bank transfer via app, internet banking, or ATM | B2B invoicing, recurring billing, high-value transactions | T+1 Business Days |
| QRIS | Scan QR code with any QRIS-certified app | In-person POS, in-app payments, printed invoices | T+1 Business Days |
| Credit Card | Enter card number, CVV, expiry + 3DS confirmation | E-commerce, international customers, high-value orders | T+3 Business Days |
| E-Wallet | Confirm payment inside wallet app (1 tap) | Mobile-first users, fast checkout, digital products | T+1 Business Days |
| Subscription | One-time authorisation, then fully automatic | SaaS, memberships, recurring services | T+1 to T+3 depending on method |
Payment scenarios
Invoicing a corporate client
Invoicing a corporate client
Your customer is a business that pays via bank transfer. Create a permanent, closed-amount Virtual Account (BCA or Mandiri) with your invoice number as the reference ID. Your client transfers the exact amount and the payment is reconciled automatically.→ Use: Virtual Account
Retail checkout for mobile shoppers
Retail checkout for mobile shoppers
Your customers predominantly use GoPay or OVO. Offer native e-wallet checkout in your app — one tap in their wallet app and the payment is done in seconds, with a webhook confirming the order.→ Use: E-Wallet
Point-of-sale at a physical location
Point-of-sale at a physical location
Your cashier’s screen displays a per-transaction QRIS code. The customer opens any banking or e-wallet app, scans the code, and confirms the amount — payment is settled in real time.→ Use: QRIS
SaaS monthly subscription
SaaS monthly subscription
A customer signs up for your monthly plan. You tokenise their credit card on the first payment. Every subsequent month, SingaPay charges the stored token automatically — no customer action required.→ Use: Subscription (Credit Card)
Ad-hoc payment requests
Ad-hoc payment requests
A customer owes you for a one-off service. Create a Payment Link with your invoice amount and send it via WhatsApp. They choose their preferred method on SingaPay’s hosted checkout.→ Use: Virtual Account or E-Wallet
Virtual Account
10 supported banks, flexible lifetime and amount options.
QRIS
One QR code, every QRIS-certified app in Indonesia.