Payment gateway for Indonesian businesses
Move money across Indonesia with one integration.
Accept QRIS, virtual accounts, bank transfers and e-wallets, and send payouts to more than 120 banks and five e-wallets. Every channel runs on multiple banks and switching networks, so your payments never hang on a single connection.
- Operating since 2024
- Licensed by Bank Indonesia (PJP Kategori 3)
- 24/7 support in Bahasa Indonesia and English
Payment channels available through one integration.
Live today. Payouts reach more than 120 Indonesian banks plus DANA, GoPay, LinkAja, OVO and ShopeePay. Fees are on the pricing page.
Banks
E-wallets
QRIS
Reliability
Multiple banks and switching networks behind every channel.
Bank maintenance windows and provider outages are part of moving money in Indonesia. PGSwift connects to multiple banks, switching networks and payment providers, so your payments never depend on a single one.
- More than one bank per channel
- QRIS, virtual accounts, e-wallets and payouts are each available through more than one bank or payment provider.
- Multiple switching networks
- Interbank transfers are not tied to a single switching network.
- One integration
- You connect once. Your requests, webhooks and settlement reports stay the same whichever bank carries the transaction.
Products
Payments, payouts and the dashboard, on one balance.
Accept payments
QRIS, virtual accounts, bank transfer and e-wallets through one API, or a hosted checkout page for your customers.
See paymentsSend payouts
Upload a CSV for bulk payouts, or send them one at a time from your own systems through the API.
See payoutsOperate
Balances, transaction history, payout approvals and CSV exports, shared by finance, operations and engineering.
See the dashboardCoverage and settlement
Where money can go, and when it reaches your balance.
120+
Indonesian banks you can pay out to
Plus DANA, GoPay, LinkAja, OVO and ShopeePay
Submitted to the provider within seconds of your request
10
Banks issuing virtual accounts
BCA, BNI, BRI, Mandiri, CIMB Niaga, Danamon, Permata, BSI, OCBC and Nobu
T+1
Settlement to your balance
Next business day by default, same-day by arrangement
Settlement
Settlement you can reconcile
Every settled transaction carries its fee, nett amount and a reference you can match line by line in your ledger.
Rp 4.218.900.000
Settled in the last 7 days, sample data
24/7
Operations support
Bahasa Indonesia and English
How integration works
-
Step 1
Get sandbox access
We set up a sandbox account and you register your public key in the dashboard. The sandbox uses the same endpoints and responses as production.
-
Step 2
Create a payment or payout
One signed request. QRIS, virtual accounts, e-wallets and bank payouts share the same headers and signature scheme.
-
Step 3
Handle the webhook and go live
We send a signed webhook when the status changes. Switch to production credentials when your tests pass.
curl -X POST https://api.pgswift.com/api/inquiry \
-H "X-PARTNER-ID: YOUR_PARTNER_ID" \
-H "X-TIMESTAMP: 2026-09-14T09:00:00+07:00" \
-H "X-SIGNATURE: <signature of this request>" \
-H "Content-Type: application/json" \
-d '{
"merchant_transaction_id": "INV-2026-0914-001",
"bank_code": "014",
"account_number": "1234567890",
"customer_name": "Budi Santoso",
"amount": 1000000
}'Security and compliance
Licensed to move the funds. You decide who can instruct them.
PGSwift is licensed by Bank Indonesia as a payment service provider (PJP Kategori 3). Payments and payouts run through licensed banks and payment institutions, with the controls listed here.
Signed API requests
Requests are signed with your private key and verified before the gateway processes them.
IP allowlisting
Limit API calls and dashboard sign-in to the IP addresses you approve.
Two-factor authentication
Two-factor codes protect dashboard sign-in and bulk payout uploads.
Payout approval rules
Payouts above your threshold, or to an account whose name does not match, wait for an approver.
Encrypted credentials
Signing keys and provider credentials are stored encrypted.
Full status history
Every status change on a payment or payout is recorded with the time, the source and the user.
Pricing
Per-transaction fees. No setup fee, no monthly minimum.
FAQ
Frequently asked questions
Anything not covered here, contact sales and we will reply within one business day.
Contact salesYes. PGSwift is licensed by Bank Indonesia as a payment service provider (PJP Kategori 3). Payments and payouts run through licensed banks and payment institutions in Indonesia.
Confirmed payments settle to your balance on the next business day by default. Same-day and intraday settlement are available by arrangement.
QRIS, virtual accounts from 10 banks, bank transfer, and GoPay, OVO, DANA and ShopeePay. Payouts go to more than 120 Indonesian banks and to DANA, GoPay, LinkAja, OVO and ShopeePay.
Yes. The sandbox uses the same endpoints and response format as production, with simulated providers, so you can build and test the full flow first.
Indonesian rupiah (IDR) only.
Talk to us about your payment flows
Tell us which channels you need and your expected volume. We reply within one business day.