Bank Indonesia-licensed payment service provider

Cross-border payments, built around your business.

We start by understanding how your money moves. Then we design the corridors, integration and controls that fit, and stay with you as you scale. One SNAP-standard API and web portal, licensed by Bank Indonesia.

Talk to a payments specialist View API docs

See how we work with you

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

How a payment moves

Your institutionCore banking, app or ERP sends the instruction by API or web portal
TransferKu API & portal Compliance checksFXRoutingReconciliation
Corridor payoutBeneficiary bank account or e-wallet, with real-time and same-day settlement by corridor ChinaASEANJapan & KoreaEurope, UK, US, AustraliaUSD SWIFTSaudi Arabia: coming Q1 2027

Status

Submitted
Screened
Routed
Paid
Reconciled

Illustrative flow. Availability depends on corridor and partner onboarding.

Working with leading banks and technology partners

98.99%transaction success rateOctober 2026
99.9%platform uptime
Real-time & same-daysettlement, depending on corridor
SNAP-standardAPI, following Bank Indonesia's national open API payment standard

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 for your customers
Settlement and reconciliation built for bank operations
Compliance alignment: AML/CFT and PPATK reporting

What we build together

Together we add cross-border corridors to your channels under your own brand, so your customers get new routes without you building them. You have a dedicated relationship contact throughout.

Talk to a payments specialist

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
Payout to Indonesian e-wallets
Sandbox and Postman collections for fast integration
An operations partner who knows Indonesian rails

What we build together

Together we connect your flows to Indonesian bank accounts and e-wallets, with an operations partner who knows Indonesian rails. You have a dedicated relationship contact throughout.

Talk to a payments specialist

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

What we build together

Together we set up corridor payments on the routes your trade already uses, with supporting documents handled. You have a dedicated relationship contact throughout.

Talk to a payments specialist

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

What we build together

Together we get you started on the web portal with guided onboarding and support in Bahasa Indonesia and English, and you can integrate by API later. You have a dedicated relationship contact throughout.

Talk to a payments specialist

Our corridors also support consumer-to-consumer (C2C) routes, for example to China by bank transfer or Alipay. See C2C routes

How we work with you

We grow when you grow

From the first conversation to running at scale, we go through four stages with you.

01
Understand
We start from your business: tell us about your flows, volumes, timelines and the corridors you need.
- Your requirements and segment
- KYB and due-diligence review
02
Design
We come back with the right corridors, integration path and commercial terms for you.
- SNAP-standard API, or start on the web portal and integrate later
- Payout methods, speeds and limits per corridor
03
Launch
We walk you through integration, from sandbox to production.
- Documentation and Postman collections
- Go live after technical and compliance sign-off
04
Grow
Track, reconcile and report from the dashboard, and add corridors as your business expands.
- Transactions, reconciliation and reports in one place
- New corridors as they launch, such as Saudi Arabia, coming Q1 2027
- A dedicated relationship contact for financial institutions, corporates and SMEs

Talk to a payments specialist Explore the platform View API docs

Corridors & payout

We build where commerce already moves

Domestic IDR payout 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.

16live payout destinations

15payout currencies

IndonesiaReal time IDR Bank transfer (BI-FAST, online (RTOL), SKN, RTGS) · E-wallet
- 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
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

For developers

Integrate with a SNAP-standard API

Build in the sandbox, then go live after technical and compliance sign-off. Prefer not to integrate yet? Start on the web portal.

SNAP-standard authentication with signed requests and access tokens
Account inquiry before you pay out
Status inquiry and callbacks to your own URL
Sandbox, documentation and Postman collections

View API docs Request sandbox access

IllustrativeSample values only. See docs.transferku.id for the full specification.

Send a payout with one signed request

POST /snap/v1.0/transfer-interbank
X-TIMESTAMP: 2026-10-20T10:00:00+07:00
X-SIGNATURE: ••••••••
X-PARTNER-ID: YOUR_PARTNER_ID
X-EXTERNAL-ID: ••••••••
CHANNEL-ID: ••••
Authorization: Bearer ••••••••

{
  "partnerReferenceNo": "REF-0001",
  "amount": { "value": "100000.00", "currency": "IDR" },
  "beneficiaryAccountNo": "1234567890",
  "beneficiaryAccountName": "BENEFICIARY NAME",
  "beneficiaryBankCode": "XXX",
  "additionalInfo": {
    "transferType": "BI_FAST",
    "callbackUrl": "https://your-domain.example/callback"
  }
}

Then check the status

POST /snap/v1.0/transfer/status

{
  "originalPartnerReferenceNo": "REF-0001",
  "latestTransactionStatus": "00",
  "transactionStatusDesc": "Success"
}

Or work in the web portal, no integration needed

Transactions

AllSuccessPending Export report

Date	Reference	Destination · method	Status
20 Oct 2026	`REF-0001`	Indonesia · BI-FAST	Success
20 Oct 2026	`REF-0002`	China · Bank transfer	Pending
20 Oct 2026	`REF-0003`	Philippines · E-wallet	Success
20 Oct 2026	`REF-0004`	Hong Kong · Bank transfer	Success

Get notified at your callbackUrl

POST https://your-domain.example/callback

{
  "originalPartnerReferenceNo": "REF-0001",
  "latestTransactionStatus": "00",
  "transactionStatusDesc": "Success"
}

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

Built together: paying Indonesian airlines without cards

A Hong Kong-based online travel agency

01
The problem
The agency paid for bookings through a global card solution, but Indonesian airlines do not accept it, which made paying them difficult.
02
Built together
We worked with the agency to understand its payment flow, then set it up with local payout capability in Indonesia.
03
The outcome
The agency now pays the airlines directly by local IDR transfer to their bank accounts, so card acceptance is no longer an obstacle.

Contact

Talk to a payments specialist

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

Sales enquiries[email protected]
Customer service[email protected]
Phone+62 818 170 481
Head officePT Graha Remitansi Indonesia
Jl. Bahagia No. 45, Karangmulya, Plumbon
Kabupaten Cirebon, Jawa Barat 45155
Developersdocs.transferku.id

Cross-border payments, built around your business.

Infrastructure before interface

Banks

What we build together

Non-bank financial institutions

What we build together

Corporates

What we build together

SMEs

What we build together

We grow when you grow

Understand

Design

Launch

Grow

We build where commerce already moves

Integrate with a SNAP-standard API

Send a payout with one signed request

Or work in the web portal, no integration needed

Get notified at your callbackUrl

Licensed, supervised and built for institutional scrutiny

AML/CFT programme

PPATK reporting

Data security

Fully digital

From spice routes to digital bridges

Built together: paying Indonesian airlines without cards

The problem

Built together

The outcome

Talk to a payments specialist