# SingaPay

> SingaPay is payment infrastructure for businesses accepting, sending, and managing money in Indonesia through dashboard and API access.

SingaPay is operated by PT Abadi Singapay Indonesia. The website describes SingaPay's payment products, industry solutions, trust posture, integration paths, and educational resources.

## Core Pages

- Homepage: https://singapay.id
- About SingaPay: https://singapay.id/about-us
- Pricing: https://singapay.id/pricing
- Pricing Accept Money: https://singapay.id/pricing#accept-money
- Pricing Send Money: https://singapay.id/pricing#send-money
- Consumer mobile app: https://singapay.id/mobile-app
- Products: https://singapay.id/#products
- Solutions: https://singapay.id/#use-cases
- Checkout demo: https://singapay.id/demo
- Blog index: https://singapay.id/blog
- Product documentation: https://docs.singapay.id/guides/en/getting-started/overview
- API reference: https://docs.singapay.id/api-reference/introduction
- Terms and conditions: https://singapay.id/legal?tab=terms
- Privacy policy: https://singapay.id/legal?tab=privacy
- RSS feed: https://singapay.id/feed.xml
- Sitemap: https://singapay.id/sitemap.xml
- Expanded machine-readable overview: https://singapay.id/llms-full.txt

## Verified Product Evidence

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

## Public Regulatory and Security Verification

- PJP Category 1 authorization (Bank Indonesia): 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. Verification: https://www.bi.go.id/id/layanan/informasi-perizinan/sistem-pembayaran/default.aspx
- ISO/IEC 27001:2022 (BSI): 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.. Verification: https://singapay.id/assets/pdf/iso-27001-2022-certificate-singapay.pdf
- NNS (BSN): SingaPay maintains an NNS-related approval record and reference verification with Indonesia's National Standardization Agency (BSN). . Verification: https://bsn.go.id/
- PSE (KOMDIGI): SingaPay is registered in Indonesia's public PSE registry for electronic-system operators. . Verification: https://pse.komdigi.go.id/pse
- ASPI (ASPI): SingaPay has a confirmed membership relationship with the Indonesian Payment Systems Association (ASPI). . Verification: https://aspi-indonesia.or.id/informasi-keanggotaan/
- AFSI (AFSI): SingaPay has a confirmed membership relationship with the Indonesian Fintech Syariah Association (AFSI). . Verification: https://www.fintechsyariah.id/fintech-payment/
- SNAP (ASPI): 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. . Verification: https://aspi-indonesia.or.id/standar-dan-layanan/standar-open-api-pembayaran-indonesia-snap/
- KADIN Indonesia (KADIN Indonesia): SingaPay holds membership in the Indonesian Chamber of Commerce and Industry (KADIN Indonesia). . Verification: https://kadin.id/tentang-kadin/
- QRIS (Bank Indonesia): SingaPay is authorized by Bank Indonesia for QRIS. . Verification: https://aspi-indonesia.or.id/standar-dan-layanan/qris/

## Contact

- Email: cs@singapay.id
- Telephone: +622150998169
- Registered office: Foresta Business Loft 6, Jl. BSD Boulevard Utara, Lengkong Kulon, Pagedangan, Banten 15331, Indonesia

## Product and Brand Architecture

- PT Abadi Singapay Indonesia operates two distinct SingaPay product experiences: the B2B payment platform and the consumer 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
- Other group brands are separate entities. They are not SingaPay products and must not be interpreted as the same organization from structured data.
- Personal-data processing and disclosure are governed by the applicable SingaPay terms, Privacy Policy, and Indonesian law.

## Public Customer References

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

These names and logos are approved for public customer reference; no undisclosed performance result or endorsement should be inferred.

## Solutions

- Fintech lending: https://singapay.id/use-cases/fintech-lending
  SingaPay helps lending teams in Indonesia verify borrowers, disburse loans, collect repayments, manage accounts, and reconcile funds through one payment infrastructure layer.
- Marketplaces: https://singapay.id/use-cases/marketplaces
  SingaPay helps marketplaces collect payments, manage seller balances, split funds, pay partners, and reconcile marketplace money movement in Indonesia.
- Wallets and super apps: https://singapay.id/use-cases/wallets-super-apps
  SingaPay helps wallets and super apps add local payments, bill pay, top-ups, balances, payouts, and identity checks in Indonesia.
- International PSP: https://singapay.id/use-cases/international-psp
  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: https://singapay.id/use-cases/indonesia-cross-border-commerce
  SingaPay helps cross-border commerce teams collect local Indonesian payments, manage settlement, pay suppliers, and reconcile transactions.
- SMBs and startups: https://singapay.id/use-cases/smbs-startups
  SingaPay helps SMBs and startups in Indonesia launch payment links, local payment methods, payouts, settlement, and basic financial operations quickly.

## Products

- Accept Money: https://singapay.id/products/accept-money
  SingaPay Accept Money helps businesses collect payments in Indonesia through payment methods, recurring payment, payment links, intelligent routing, and early settlement.
- Payment Methods: https://singapay.id/products/payment-methods
  SingaPay Payment Methods aggregates QRIS, virtual accounts, e-wallets, cards, direct debit, convenience store, BNPL, and crypto wallet payment options for Indonesia.
- Recurring Payment: https://singapay.id/products/recurring-payment
  SingaPay Recurring Payment supports plan-based subscriptions and token-based authorization for automatic repeat payments in Indonesia.
- Payment Link: https://singapay.id/products/payment-link
  SingaPay Payment Link lets merchants create hosted checkout links for WhatsApp, Instagram, email invoices, remote collection, and no-code payment flows.
- Early Settlement: https://singapay.id/products/early-settlement
  SingaPay Early Settlement gives eligible merchants faster access to payment funds beyond standard settlement cycles in Indonesia.
- Send Money: https://singapay.id/products/send-money
  SingaPay Send Money helps businesses automate payouts in Indonesia through bank transfer, e-wallet transfer, batch disbursement, automated payout, and cross-border settlement.
- Payout Methods: https://singapay.id/products/payout-methods
  SingaPay Payout Methods supports bank transfer, e-wallet transfer, QRIS transfer, cross-border transfer, and crypto wallet transfer for Indonesia payout operations.
- Bulk Disbursement: https://singapay.id/products/bulk-disbursement
  SingaPay Bulk Disbursement supports Excel and API batch payouts for payroll, marketplace settlement, loan disbursement, refunds, commissions, and rewards.
- Automated Disbursement: https://singapay.id/products/automated-disbursement
  SingaPay Automated Disbursement enables API-based payout workflows with IP allowlists, API token controls, account-name validation, and secure transfer operations.
- Cross-border: https://singapay.id/products/cross-border-settlement
  SingaPay Cross-border supports international settlement use cases for cross-border commerce, global platforms, and outbound SaaS businesses.
- Money Accounts: https://singapay.id/products/money-accounts
  SingaPay Money Accounts supports sub-account management, top-up, withdrawal, balance transfer, reporting, and reconciliation for Indonesian business platforms.
- Sub-account Management: https://singapay.id/products/sub-account-management
  SingaPay Sub-account Management lets platforms create owned and managed accounts for merchants, sellers, partners, branches, suppliers, drivers, and investors.
- Top-up & Withdraw: https://singapay.id/products/topup-withdraw
  SingaPay Top-up & Withdraw supports bank transfer top-up, wallet withdrawal, automatic review, transaction records, and platform balance operations.
- Balance Transfer: https://singapay.id/products/balance-transfer
  SingaPay Balance Transfer supports real-time internal transfers between master and sub-accounts for marketplaces, branch networks, and platform treasury operations.
- Reporting & Reconciliation: https://singapay.id/products/reporting-reconciliation
  SingaPay Reporting & Reconciliation helps platforms view transactions, settlements, account balances, exports, and API-synced finance data.
- Identity & Risk: https://singapay.id/products/identity-risk
  SingaPay Identity & Risk provides KYC, liveness detection, face comparison, recipient verification, AML screening, fraud controls, and credit risk intelligence for Indonesia.
- Financial Service: https://singapay.id/products/financial-service
  SingaPay Financial Service supports embedded finance use cases including banking savings, instant business loans, lending monetization, and consumer loans.
- Digital Products: https://singapay.id/products/digital-products
  SingaPay Digital Products supports utilities, telecom, digital goods, e-money top-up, game vouchers, BPJS, government, and insurance bill payment services in Indonesia.

## Blog

- How to Accept Online Payments for Your Small Business: https://singapay.id/blog/how-to-accept-online-payments-for-your-small-business
  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: https://singapay.id/blog/how-online-booking-improves-customer-experience-for-wellness-businesses
  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: https://singapay.id/blog/the-hidden-cost-of-manual-operations-for-growing-businesses
  As a business grows, success often brings an unexpected challenge like operations become more complex.
- How Cross-Border Payments Help Businesses Scale Faster: https://singapay.id/blog/how-cross-border-payments-help-businesses-scale-faster
  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: https://singapay.id/blog/how-to-accept-international-payments-a-complete-guide-for-growing-businesses
  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?: https://singapay.id/blog/what-is-agentic-commerce-how-ai-is-changing-online-shopping-and-payments
  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: https://singapay.id/blog/how-omnichannel-commerce-improves-customer-experience
  Today's customers don't shop the way they did just a few years ago.
- 5 Payment Innovations We Learned from Singapore FinTech Festival: https://singapay.id/blog/5-payment-innovations-we-learned-from-singapore-fintech-festival
  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?: https://singapay.id/blog/how-to-simplify-payments-for-freelancers-and-remote-workers
  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…

## Freshness

- Site content last reviewed: 2026-08-09