Bank Indonesia-licensed payment service provider

Indonesia's cross-border payment rail

TransferKu connects banks, financial institutions and businesses to cross-border corridors through one API and web portal. Built from Indonesia, out.

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BI licence No. 26/369/Cn/B/14-001 SNAP-standard API Fully digital: no cash, no agents 98.99% transaction success rate

Working with leading banks and technology partners

  • Bank Jatim
  • Bank Danamon
  • BCA (Bank Central Asia)
  • Jack
  • Dhapat (PT Dhanapatra Loka Abadi)
  • Alibaba Cloud
Who we serve

Infrastructure before interface

We work exclusively with institutions and businesses. Each segment gets the integration model, controls and support it needs.

Banks

Add cross-border corridors without building them.

  • SNAP-standard APIs that fit your core and channel stack
  • White-label payout and collection for your customers
  • Settlement and reconciliation built for bank operations
  • Compliance alignment: AML/CFT and PPATK reporting
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Non-bank financial institutions

Last-mile Indonesia, first-mile corridors. For MTOs, PSPs, e-wallets and fintechs.

  • IDR payout to Indonesian bank accounts via API
  • Virtual account collection
  • Sandbox and Postman collections for fast integration
  • An operations partner who knows Indonesian rails
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Corporates

Pay and get paid where your trade already moves.

  • Corridor payments for China, Hong Kong, Japan, Korea and ASEAN trade, with Saudi Arabia coming Q1 2027
  • Supporting-document handling for underlying transactions
  • Visibility through the web portal and reports
  • A dedicated relationship contact
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SMEs

Cross-border payments with a local team that speaks your language.

  • Simple, guided onboarding (KYB)
  • Web portal: no integration needed to start
  • Support in Bahasa Indonesia and English
  • Clear quotes before you pay
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How it works

One API and one portal, from onboarding to settlement

Integrate directly through our SNAP-standard API, or start on the web portal and integrate later.

Onboard

Share your requirements and complete our KYB and due-diligence review.

Integrate

Build against the sandbox with our documentation and Postman collections, or set up portal users.

Go live

Activate production keys after technical and compliance sign-off.

Operate

Track transactions, reconcile and pull reports from the dashboard.

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Corridors & payout

We build where commerce already moves

Domestic IDR payout and collection on Indonesia's main rails, plus bank and wallet payout across Asia, Europe, the UK, the US and Australia, and USD via SWIFT to any country.

98.99%transaction success rate
99.9%platform uptime
16live payout destinations
15payout currencies
6virtual account banks for IDR collection
  • IndonesiaReal time IDR Bank transfer (BI-FAST, online (RTOL), SKN, RTGS) · E-wallet · Virtual account (IDR collection)
    • IDR Bank transfer: BI-FAST
      Use case
      All types
      Speed
      Real time
      Transaction limit
      Up to IDR 250,000,000
      Notes
      All banks
    • IDR Bank transfer: online (RTOL)
      Use case
      All types
      Speed
      Real time
      Transaction limit
      IDR 100,000,000
      Notes
      All banks
    • IDR Bank transfer: SKN
      Use case
      All types
      Speed
      Same day, cut-off 14:30 local time
      Transaction limit
      IDR 500,000,000
      Notes
      All banks
    • IDR Bank transfer: RTGS
      Use case
      B2B, B2C
      Speed
      Same day, cut-off 14:30 local time
      Transaction limit
      Unlimited
      Notes
      All banks
    • IDR E-wallet
      Use case
      B2C, C2C
      Speed
      Real time
      Transaction limit
      IDR 20,000,000
      Notes
      GoPay, OVO, DANA, ShopeePay, LinkAja
    • IDR Virtual account (IDR collection)
      Use case
      Collection (payin)
      Speed
      Same-day settlement
      Transaction limit
      On request
      Notes
      6 major Indonesian banks; local IDR rails, no FX conversion
  • ChinaReal time CNYUSD Bank transfer · Alipay
    • CNY Bank transfer
      Use case
      C2C
      Speed
      Real time
      Transaction limit
      Annual CNY 500,000; daily CNY 50,000; max. 3 transactions per day and 5 per month
    • CNY Alipay
      Use case
      C2C
      Speed
      Real time
      Transaction limit
      Annual CNY 500,000; daily CNY 50,000; max. 3 transactions per day and 5 per month
    • CNY Bank transfer
      Use case
      B2B, C2C
      Speed
      Same day
      Transaction limit
      CNY 1,000,000 per transaction; no annual limit
    • USD Bank transfer
      Use case
      B2B
      Speed
      T+1
      Transaction limit
      No limit
  • Hong KongReal time HKD Bank transfer
    • HKD Bank transfer
      Use case
      All types
      Speed
      Real time 24x7 up to 1 million via FPS (FPS-supporting banks); real time via CHATS, cut-off 15:30 local time
      Transaction limit
      No limit
  • IndiaReal time INR Bank transfer
    • INR Bank transfer
      Use case
      All types
      Speed
      Real time for selected banks
      Transaction limit
      On request
  • JapanReal time JPY Bank transfer
    • JPY Bank transfer
      Use case
      All types
      Speed
      Real time
      Transaction limit
      JPY 50,000,000
  • MalaysiaReal time MYR Bank transfer
    • MYR Bank transfer
      Use case
      All types
      Speed
      Real time
      Transaction limit
      MYR 10,000,000 (MYR 10,000 for loan and non-resident accounts)
  • PhilippinesReal time PHP Bank transfer, e-wallet
    • PHP Bank transfer, e-wallet
      Use case
      All types
      Speed
      Real time 24x7 up to PHP 50,000 via InstaPay; same day via PESONet, cut-off 14:00 local time
      Transaction limit
      No limit
  • SingaporeReal time SGD Bank transfer
    • SGD Bank transfer
      Use case
      All types
      Speed
      Real time 24x7 up to SGD 200,000 via FAST (FAST-enabled banks); next day via GIRO (all banks), cut-off 13:30
      Transaction limit
      No limit
  • South KoreaReal time KRW Bank transfer
    • KRW Bank transfer
      Use case
      All types
      Speed
      24x7. First payment to a new beneficiary needs a one-time online beneficiary KYC (ID submission), then real time. Above KRW 7,000,000 paid same day (cut-off 18:00 GMT+9)
      Transaction limit
      B2B/B2C/P2B: no limit; C2C: USD 5,000
  • ThailandReal time THB Bank transfer (incl. BAHTNET)
    • THB Bank transfer
      Use case
      All types
      Speed
      Real time
      Transaction limit
      THB 499,999 to 8 major banks; THB 2,000,000 to Kasikorn Bank and CIMB; THB 10 million per customer per day
      Notes
      Bangkok Bank, Krungsri, Kiatnakin, Krungthai, Siam Commercial Bank, CIMB, Kasikorn Bank, Government Savings Bank
    • THB Bank transfer: BAHTNET
      Use case
      All types
      Speed
      T+1/2
      Transaction limit
      No limit
      Notes
      All banks
  • VietnamReal time VND Bank transfer
    • VND Bank transfer
      Use case
      B2C, C2C
      Speed
      Up to VND 500,000,000: real time 24x7 to 30+ major banks. Above that: same day via CITAD (supported banks), cut-off 15:30 local time (08:30 UTC)
      Transaction limit
      VND 499,999,999
  • AustraliaSame day AUD Bank transfer
    • AUD Bank transfer
      Use case
      All types
      Speed
      Same day / T+1
      Transaction limit
      No limit
  • Europe (SEPA)Real time EUR Bank transfer
    • EUR Bank transfer
      Use case
      All types
      Speed
      Real time
      Transaction limit
      No limit
  • United KingdomReal time GBP Bank transfer
    • GBP Bank transfer
      Use case
      All types
      Speed
      Real time
      Transaction limit
      GBP 1,000,000
  • United StatesSame day USD Bank transfer
    • USD Bank transfer
      Use case
      All types
      Speed
      Same-day credit, cut-off 15:15 EST
      Transaction limit
      USD 9,999,999
  • USD via SWIFT (any country)T+1 or later USD Bank transfer (SWIFT)
    • USD Bank transfer: SWIFT
      Use case
      B2B, B2C, C2B
      Speed
      T+1/2
      Transaction limit
      USD 1,000,000
      Notes
      Full amount only
  • Saudi ArabiaComing Q1 2027 SAR To be announced
    • SAR To be announced
      Use case
      To be announced
      Speed
      Coming Q1 2027
      Transaction limit
      Coming Q1 2027

Availability, limits and cut-offs depend on use case and onboarding. Cut-off times are local to the destination unless stated. Pricing is shared on request.

Compare all corridors in one table
Trust & compliance

Licensed, supervised and built for institutional scrutiny

Your compliance team will ask hard questions. Here are our answers, starting with our licence.

Regulator
Bank Indonesia
Licence
Payment Service Provider (PJP), No. 26/369/Cn/B/14-001
Date
22 April 2024
Category
Category 2: digital fund-transfer forwarding (PBI 10/2025)
Legal entity
PT Graha Remitansi Indonesia

AML/CFT programme

Risk-based customer due diligence (KYC/KYB), transaction monitoring and record-keeping, in line with Bank Indonesia rules.

PPATK reporting

We meet our reporting obligations to PPATK, Indonesia's financial intelligence unit.

Data security

SNAP-standard API authentication, encrypted connections, and personal data handled under Indonesia's PDP Law.

Fully digital

No cash handling and no agent network, so every transaction leaves a complete digital trail.

Read our licensing & compliance overview
About TransferKu

From spice routes to digital bridges

We are based in Cirebon, a port on Java's north coast where traders from China, Arabia and across the archipelago have met for centuries. The corridors we serve today follow many of the same routes.

PT Graha Remitansi Indonesia builds the payment layer underneath: licensed, compliant and engineered for the institutions that move money for others.

More about the company

"Built from Indonesia, out."

Our view: the best cross-border infrastructure for Indonesia is built by people who run Indonesian payments every day.

Case study

Paying Indonesian airlines directly, without cards

A Hong Kong-based online travel agency

Challenge
The agency paid for bookings through a global card solution, but Indonesian airlines do not accept it, which made paying them difficult.
Solution
Through TransferKu, the agency gained local payout capability in Indonesia and now pays the airlines directly by local IDR transfer to the airlines' bank accounts.
Outcome
The agency settles with Indonesian airlines by local bank transfer instead of by card, so card acceptance is no longer an obstacle.
Contact

Talk to our team

Tell us what you need. We will come back with the right corridor, integration path and commercial terms.

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