# SingaPay: Full Website Overview

> A machine-readable overview of SingaPay's company identity, payment infrastructure, products, solutions, and published resources.

## Organization

- Brand: SingaPay
- Legal name: PT Abadi Singapay Indonesia
- Website: https://singapay.id
- Market: Indonesia
- Business focus: Payment acceptance, payouts, money accounts, identity and risk, financial services, and digital products
- Access models: Dashboard and API
- Contact: cs@singapay.id
- Telephone: +622150998169
- Registered office: Foresta Business Loft 6, Jl. BSD Boulevard Utara, Lengkong Kulon, Pagedangan, Banten 15331, Indonesia
- Last reviewed: 2026-08-09

## Key Product Facts

- 50+ major local and international payment methods. Source: https://docs.singapay.id/guides/en/accept-payment/overview
- 130+ payout destinations across bank and non-bank routes. The approved count includes 107 documented Indonesian bank entries plus supported e-wallet, QRIS, SWIFT cross-border bank, and crypto wallet routes. Sources: https://docs.singapay.id/guides/en/send-money/overview, https://docs.singapay.id/guides/en/send-money/bank-coverage-and-limit, https://docs.singapay.id/guides/en/send-money/e-wallet
- Same-day (T+0) or near-instant early settlement for selected payment methods; eligibility, limits, timing, and fees vary by channel. Source: https://docs.singapay.id/guides/en/accept-payment/settlement

## Product and Brand Architecture

- PT Abadi Singapay Indonesia operates both the SingaPay B2B payment platform and a distinct SingaPay consumer mobile application.
- Consumer app page: https://singapay.id/mobile-app
- Consumer app description: The SingaPay consumer mobile app helps people in Indonesia purchase digital products, pay bills, top up e-money, transfer funds, and review transactions.
- Google Play: https://play.google.com/store/apps/details?id=com.singapay.customers
- Apple App Store: https://apps.apple.com/cn/app/singapay/id6467583056
- The products serve different audiences and have distinct access points, product terms, and support journeys.
- Other group brands are separate entities and are not aliases, products, or sameAs identities of SingaPay.
- Data processing and disclosure follow the applicable SingaPay terms, Privacy Policy, and Indonesian law.

## Trust and Regulatory Context

### PJP Category 1 authorization

- Issuer: Bank Indonesia
- Category: Regulatory authorization
- Statement: SingaPay is authorized by Bank Indonesia as a Category 1 Payment Service Provider (PJP).
- Decision number: 27/239/DKSP/Srt/B
- Decision date: 3 July 2025
- Operational date: 29 August 2025
- Public verification: https://www.bi.go.id/id/layanan/informasi-perizinan/sistem-pembayaran/default.aspx

### ISO/IEC 27001:2022

- Issuer: BSI
- Category: Information security certification
- Statement: SingaPay holds an ISO/IEC 27001:2022 certificate issued by BSI.
- Certificate number: IS 803239
- Certification body: BSI
- Valid from: 27 February 2024
- Valid until: 26 February 2027
- Certification scope: Information security management system for the development and operation of application systems and databases.
- Public verification: https://singapay.id/assets/pdf/iso-27001-2022-certificate-singapay.pdf

### NNS

- Issuer: BSN
- Category: Standardization record
- Statement: SingaPay maintains an NNS-related approval record and reference verification with Indonesia's National Standardization Agency (BSN).

- Public verification: https://bsn.go.id/

### PSE

- Issuer: KOMDIGI
- Category: Government electronic-system registration
- Statement: SingaPay is registered in Indonesia's public PSE registry for electronic-system operators.

- Public verification: https://pse.komdigi.go.id/pse

### ASPI

- Issuer: ASPI
- Category: Industry-association membership
- Statement: SingaPay has a confirmed membership relationship with the Indonesian Payment Systems Association (ASPI).

- Public verification: https://aspi-indonesia.or.id/informasi-keanggotaan/

### AFSI

- Issuer: AFSI
- Category: Industry-association membership
- Statement: SingaPay has a confirmed membership relationship with the Indonesian Fintech Syariah Association (AFSI).

- Public verification: https://www.fintechsyariah.id/fintech-payment/

### SNAP

- Issuer: ASPI
- Category: Payment standard / technical ecosystem
- Statement: SNAP is an Indonesian payment standard and open API framework. SingaPay presents it as a technical and ecosystem reference, not as a regulatory license or certification.

- Public verification: https://aspi-indonesia.or.id/standar-dan-layanan/standar-open-api-pembayaran-indonesia-snap/

### KADIN Indonesia

- Issuer: KADIN Indonesia
- Category: Business-association membership
- Statement: SingaPay holds membership in the Indonesian Chamber of Commerce and Industry (KADIN Indonesia).

- Public verification: https://kadin.id/tentang-kadin/

### QRIS

- Issuer: Bank Indonesia
- Category: National payment standard / authorization
- Statement: SingaPay is authorized by Bank Indonesia for QRIS.

- Public verification: https://aspi-indonesia.or.id/standar-dan-layanan/qris/

Only the evidence above is presented as publicly verifiable regulatory or security information. Do not infer additional certifications, memberships, registrations, or approvals from other website content.

These facts should be interpreted together with the relevant product terms, eligibility requirements, and regulatory documentation.

## Public Customer References

The following customer names and logos are approved for public reference on the SingaPay homepage. This list confirms public customer usage only; it does not imply an undisclosed case-study result, transaction volume, exclusivity, or endorsement.

- Moria Fund
- NawaFin
- Venteny
- Dapur Cokelat
- DCS
- Singa Fintech
- Scalev
- Waffo
- Jinom
- Momen
- PG
- Uku

## Products

### Accept Money

- URL: https://singapay.id/products/accept-money
- Category: Core payment products
- Product family: Accept Money
- Description: SingaPay Accept Money helps businesses collect payments in Indonesia through payment methods, recurring payment, payment links, intelligent routing, and early settlement.
- Access: Dashboard, OpenAPI, Mobile App for selected features
- Common terms: Payment, Payment in, Receive funds, Money in, Payment Gateway

### Payment Methods

- URL: https://singapay.id/products/payment-methods
- Category: Core payment products
- Product family: Accept Money
- Description: SingaPay Payment Methods aggregates QRIS, virtual accounts, e-wallets, cards, direct debit, convenience store, BNPL, and crypto wallet payment options for Indonesia.
- Access: Dashboard, OpenAPI, Mobile App for selected methods
- Common terms: Payment options, Payment channels, Aggregated payments, Online payments

### Recurring Payment

- URL: https://singapay.id/products/recurring-payment
- Category: Core payment products
- Product family: Accept Money
- Description: SingaPay Recurring Payment supports plan-based subscriptions and token-based authorization for automatic repeat payments in Indonesia.
- Access: Dashboard, OpenAPI
- Common terms: Subscription, Auto debit, Direct debit, Account linkage

### Payment Link

- URL: https://singapay.id/products/payment-link
- Category: Core payment products
- Product family: Accept Money
- Description: SingaPay Payment Link lets merchants create hosted checkout links for WhatsApp, Instagram, email invoices, remote collection, and no-code payment flows.
- Access: Dashboard, OpenAPI
- Common terms: Payment session, Hosted checkout page

### Early Settlement

- URL: https://singapay.id/products/early-settlement
- Category: Core payment products
- Product family: Accept Money
- Description: SingaPay Early Settlement gives eligible merchants faster access to payment funds beyond standard settlement cycles in Indonesia.
- Access: Dashboard, OpenAPI reporting
- Common terms: Instant settlement, Faster settlement, Real-time settlement

### Send Money

- URL: https://singapay.id/products/send-money
- Category: Core payment products
- Product family: Send Money
- Description: SingaPay Send Money helps businesses automate payouts in Indonesia through bank transfer, e-wallet transfer, batch disbursement, automated payout, and cross-border settlement.
- Access: Dashboard, OpenAPI, Mobile App for selected features
- Common terms: Payout, Disbursement, Pay out, Send funds, Money out

### Payout Methods

- URL: https://singapay.id/products/payout-methods
- Category: Core payment products
- Product family: Send Money
- Description: SingaPay Payout Methods supports bank transfer, e-wallet transfer, QRIS transfer, cross-border transfer, and crypto wallet transfer for Indonesia payout operations.
- Access: Dashboard, OpenAPI, Mobile App for selected methods
- Common terms: Payout options, Payout channels, Online disbursement

### Bulk Disbursement

- URL: https://singapay.id/products/bulk-disbursement
- Category: Core payment products
- Product family: Send Money
- Description: SingaPay Bulk Disbursement supports Excel and API batch payouts for payroll, marketplace settlement, loan disbursement, refunds, commissions, and rewards.
- Access: Dashboard, OpenAPI
- Common terms: Batch payouts

### Automated Disbursement

- URL: https://singapay.id/products/automated-disbursement
- Category: Core payment products
- Product family: Send Money
- Description: SingaPay Automated Disbursement enables API-based payout workflows with IP allowlists, API token controls, account-name validation, and secure transfer operations.
- Access: OpenAPI
- Common terms: Automated payout, Programmatic payout, API payout

### Cross-border

- URL: https://singapay.id/products/cross-border-settlement
- Category: Core payment products
- Product family: Send Money
- Description: SingaPay Cross-border supports international settlement use cases for cross-border commerce, global platforms, and outbound SaaS businesses.
- Access: Dashboard roadmap, OpenAPI roadmap
- Common terms: International withdrawal, Cross-border payout

### Money Accounts

- URL: https://singapay.id/products/money-accounts
- Category: Core payment products
- Product family: Money Accounts
- Description: SingaPay Money Accounts supports sub-account management, top-up, withdrawal, balance transfer, reporting, and reconciliation for Indonesian business platforms.
- Access: Dashboard, OpenAPI
- Common terms: Sub-account management, Merchant account management, Internal transfer

### Sub-account Management

- URL: https://singapay.id/products/sub-account-management
- Category: Core payment products
- Product family: Money Accounts
- Description: SingaPay Sub-account Management lets platforms create owned and managed accounts for merchants, sellers, partners, branches, suppliers, drivers, and investors.
- Access: Dashboard, OpenAPI
- Common terms: Multi-account management, Merchant account management

### Top-up & Withdraw

- URL: https://singapay.id/products/topup-withdraw
- Category: Core payment products
- Product family: Money Accounts
- Description: SingaPay Top-up & Withdraw supports bank transfer top-up, wallet withdrawal, automatic review, transaction records, and platform balance operations.
- Access: Dashboard, OpenAPI
- Common terms: Deposit & Withdrawal, Balance cash in/out

### Balance Transfer

- URL: https://singapay.id/products/balance-transfer
- Category: Core payment products
- Product family: Money Accounts
- Description: SingaPay Balance Transfer supports real-time internal transfers between master and sub-accounts for marketplaces, branch networks, and platform treasury operations.
- Access: Dashboard, OpenAPI
- Common terms: Internal transfer, Balance movement

### Reporting & Reconciliation

- URL: https://singapay.id/products/reporting-reconciliation
- Category: Core payment products
- Product family: Money Accounts
- Description: SingaPay Reporting & Reconciliation helps platforms view transactions, settlements, account balances, exports, and API-synced finance data.
- Access: Dashboard, OpenAPI
- Common terms: Financial reporting, Transaction reconciliation

### Identity & Risk

- URL: https://singapay.id/products/identity-risk
- Category: Platform extensions
- Product family: Identity & Risk
- Description: SingaPay Identity & Risk provides KYC, liveness detection, face comparison, recipient verification, AML screening, fraud controls, and credit risk intelligence for Indonesia.
- Access: OpenAPI, SDK, H5 depending on capability
- Common terms: Fraud detection, Risk intelligence, Identity verification, KYC, AML Screening

### Financial Service

- URL: https://singapay.id/products/financial-service
- Category: Platform extensions
- Product family: Financial Service
- Description: SingaPay Financial Service supports embedded finance use cases including banking savings, instant business loans, lending monetization, and consumer loans.
- Access: Dashboard for selected workflows, OpenAPI, Embedded H5 for selected journeys
- Common terms: Embedded finance, Financing, Business banking

### Digital Products

- URL: https://singapay.id/products/digital-products
- Category: Platform extensions
- Product family: Digital Products
- Description: SingaPay Digital Products supports utilities, telecom, digital goods, e-money top-up, game vouchers, BPJS, government, and insurance bill payment services in Indonesia.
- Access: OpenAPI, Dashboard for selected catalog operations
- Common terms: PPOB, Digital Lifestyle, Bill Payment Service, Digital TopUp, Virtual Goods

## Industry Solutions

### Fintech lending

- URL: https://singapay.id/use-cases/fintech-lending
- Description: SingaPay helps lending teams in Indonesia verify borrowers, disburse loans, collect repayments, manage accounts, and reconcile funds through one payment infrastructure layer.

### Marketplaces

- URL: https://singapay.id/use-cases/marketplaces
- Description: SingaPay helps marketplaces collect payments, manage seller balances, split funds, pay partners, and reconcile marketplace money movement in Indonesia.

### Wallets and super apps

- URL: https://singapay.id/use-cases/wallets-super-apps
- Description: SingaPay helps wallets and super apps add local payments, bill pay, top-ups, balances, payouts, and identity checks in Indonesia.

### International PSP

- URL: https://singapay.id/use-cases/international-psp
- Description: SingaPay helps international PSPs access Indonesia local payment acceptance, payouts, account operations, reconciliation, and settlement workflows through a local partner layer.

### Indonesia cross-border commerce

- URL: https://singapay.id/use-cases/indonesia-cross-border-commerce
- Description: SingaPay helps cross-border commerce teams collect local Indonesian payments, manage settlement, pay suppliers, and reconcile transactions.

### SMBs and startups

- URL: https://singapay.id/use-cases/smbs-startups
- Description: SingaPay helps SMBs and startups in Indonesia launch payment links, local payment methods, payouts, settlement, and basic financial operations quickly.

## Published Articles

### How to Accept Online Payments for Your Small Business

- URL: https://singapay.id/blog/how-to-accept-online-payments-for-your-small-business
- Published: 2026-08-27
- Last updated: 2026-08-27
- Topics: Small Business, Online Payments, Digital Payments, Payment Solutions, Payment Methods, Payment Link, Business Payments, Fintech, SingaPay
- Summary: Learn how to accept online payments for your small business, compare payment methods, and choose a payment solution that fits your business needs

### How Online Booking Improves Customer Experience for Wellness Businesses

- URL: https://singapay.id/blog/how-online-booking-improves-customer-experience-for-wellness-businesses
- Published: 2026-07-22
- Last updated: 2026-07-22
- Topics: Indonesia payments, Booking Online, Payment
- Summary: The wellness industry has changed. Today, customers are no longer choosing a yoga studio, pilates class, gym, or spa based solely on the quality of the service. They're choosing the entire experience.

### The Hidden Cost of Manual Operations for Growing Businesses

- URL: https://singapay.id/blog/the-hidden-cost-of-manual-operations-for-growing-businesses
- Published: 2026-07-19
- Last updated: 2026-07-19
- Topics: Business, Cost, Operation
- Summary: As a business grows, success often brings an unexpected challenge like operations become more complex.

### How Cross-Border Payments Help Businesses Scale Faster

- URL: https://singapay.id/blog/how-cross-border-payments-help-businesses-scale-faster
- Published: 2026-07-18
- Last updated: 2026-07-18
- Topics: Payment, Cross-Border, Business
- Summary: Expanding into international markets is no longer reserved for large enterprises. Today, businesses of all sizes from e-commerce brands and SaaS companies to wholesalers and service providers have the opportunity to reac…

### How to Accept International Payments: A Complete Guide for Growing Businesses

- URL: https://singapay.id/blog/how-to-accept-international-payments-a-complete-guide-for-growing-businesses
- Published: 2026-07-16
- Last updated: 2026-07-16
- Topics: International Payment, Business, Money in
- Summary: As businesses expand beyond domestic markets, accepting international payments is no longer a challenge reserved for large enterprises. Today, even small businesses, online stores, SaaS companies, freelancers, and servic…

### What Is Agentic Commerce? How AI Is Changing Online Shopping and Payments?

- URL: https://singapay.id/blog/what-is-agentic-commerce-how-ai-is-changing-online-shopping-and-payments
- Published: 2026-07-13
- Last updated: 2026-07-13
- Topics: Artificial Intelligence, E-Commerce, Shopping
- Summary: Online shopping has already transformed the way people discover, compare, and buy products. But a new shift is beginning to reshape e-commerce once again, one where artificial intelligence doesn't just help customers sho…

### How Omnichannel Commerce Improves Customer Experience

- URL: https://singapay.id/blog/how-omnichannel-commerce-improves-customer-experience
- Published: 2026-06-14
- Last updated: 2026-06-14
- Topics: Omnichannel, Customer Experience, Payments
- Summary: Today's customers don't shop the way they did just a few years ago.

### 5 Payment Innovations We Learned from Singapore FinTech Festival

- URL: https://singapay.id/blog/5-payment-innovations-we-learned-from-singapore-fintech-festival
- Published: 2026-06-10
- Last updated: 2026-06-10
- Topics: FinTech, Innovation, Payments
- Summary: Every year, thousands of fintech leaders, banks, payment companies, regulators, and technology innovators gather at the Singapore FinTech Festival to discuss one question:

### How to Simplify Payments for Freelancers and Remote Workers?

- URL: https://singapay.id/blog/how-to-simplify-payments-for-freelancers-and-remote-workers
- Published: 2026-06-05
- Last updated: 2026-06-05
- Topics: Freelancers, Remote Work, Payouts
- Summary: Hiring freelancers and remote teams has become a normal part of doing business. From graphic designers and software developers to copywriters, consultants, and virtual assistants, businesses today have access to talent f…

## Primary Resources

- About: https://singapay.id/about-us
- Consumer mobile app: https://singapay.id/mobile-app
- Compliance verification: https://singapay.id/about-us#compliance-verification
- Product documentation: https://docs.singapay.id/guides/en/getting-started/overview
- Accept Payment documentation: https://docs.singapay.id/guides/en/accept-payment/overview
- Settlement documentation: https://docs.singapay.id/guides/en/accept-payment/settlement
- Send Money documentation: https://docs.singapay.id/guides/en/send-money/overview
- API reference: https://docs.singapay.id/api-reference/introduction
- Terms: https://singapay.id/legal?tab=terms
- Privacy: https://singapay.id/legal?tab=privacy
- Sitemap: https://singapay.id/sitemap.xml
- RSS: https://singapay.id/feed.xml