> ## 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

SingaPay gives you everything you need to collect money from customers in Indonesia. Choose the right payment method based on your product, your customers, and the experience you want to deliver.

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## Available payment products

<CardGroup cols={2}>
  <Card title="Virtual Account" color="#16a34a" icon="credit-card" iconType="regular">
    Unique bank account numbers across 10 banks. Customers pay via standard bank transfer — no apps, no special setup.
  </Card>

  <Card title="QRIS" color="#b45309" icon="qrcode">
    Per-transaction dynamic QR codes accepted by every QRIS-certified app in Indonesia.
  </Card>

  <Card title="Credit Card" color="#2563eb" icon="credit-card">
    Accept Visa, Mastercard, and American Express with 3D Secure authentication.
  </Card>

  <Card title="E-Wallet" color="#7c3aed" icon="wallet">
    Native integrations with GoPay, OVO, ShopeePay, and DANA for a seamless in-app payment flow.
  </Card>

  <Card title="Subscription" color="#be123c" icon="rotate">
    Recurring billing via Credit Card or GoPay — tokenise once, charge automatically on any schedule.
  </Card>
</CardGroup>

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## 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 |

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## Payment scenarios

<AccordionGroup>
  <Accordion title="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**
  </Accordion>

  <Accordion title="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**
  </Accordion>

  <Accordion title="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**
  </Accordion>

  <Accordion title="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)**
  </Accordion>

  <Accordion title="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**
  </Accordion>
</AccordionGroup>

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<CardGroup cols={2}>
  <Card title="Virtual Account" icon="credit-card" href="#22-virtual-account">
    10 supported banks, flexible lifetime and amount options.
  </Card>

  <Card title="QRIS" icon="qrcode" href="#23-qris">
    One QR code, every QRIS-certified app in Indonesia.
  </Card>
</CardGroup>

***