Our Solutions
e-Money Platform
Discover e-Money Solutions Built to Fit Your Business Needs.
Discover White-Label e-Money for Enterprises
Enable QRIS Payments
for Merchants
Simplify Payments with WOI
for End Users
Why Choose Our e-Money Platform
All-in-One e-Money Platform
Store, pay, and earn rewards within a single app, supporting QRIS, online checkout, and loyalty redemptions.
Built for
MSMEs
Enable warungs, kiosks, and micro-retailers to accept digital payments and engage customers without added complexity.
Ultra-Fast
Onboarding
Activate wallet access in under
two minutes with built-in KYC and
fraud prevention.
White-Label or
Co-Brand
Integrate seamlessly with existing apps and scale quickly.
Powerful and
Scalable
A ready-to-use platform designed for enterprise-level growth.
Integrated with Loyalty
Connected with Indivara’s Loyalty platform to deliver personalized rewards and enrich customer engagement across the network.
Launch Your Own Flexible, Scalable, White-Label e-Money
A white-label e-Money solution you can brand, scale, and grow with flexible revenue-sharing options to fit your business.
Integrated with our Loyalty system, turn every transaction into an opportunity to reward and retain your customers.
Enable QRIS Payments and Grow Your Business
Our solution empowers merchants to accept cashless payments instantly through QRIS — a fast, secure, and standardized way to reach more customers and simplify daily transactions.
Make Everyday Payments Rewarding and Effortless with WOI
Powered by a PJP 1 license (masukin nomor), WOI (Wallet of Indivara) lets end users pay, earn, and redeem rewards seamlessly, all in one app. Earn loyalty points and enjoy exclusive perks across partner merchants.
WOI's Key Capabilities:
Technical Enabler for Payment Solutions
A single, secure, andscalable technology layer that connects your business to multiple payment methods through one unified access point.
Simplify integrations, reduce operational complexity, and power seamless payment experiences across all your channels.
Key Capabilities:
Why Choose Our Technical Enabler
Multi-Channel Support
Accept payments via VA, credit/debit cards, and QRIS.
Secure
Developed with security controls aligned to ISO 27001 standards to help protect system operations and data handling.
Scalable & Flexible
Handles high transaction volumes across diverse industries.
Real-Time Dashboard
Monitor transactions, settlements, and reconciliations in one intuitive interface.
Complementary Merchant Services
Maximize payment approval rates and operational efficiency.
Flexible for Different Business Scales
Built to support payment-related technical workflows for use cases ranging from SMEs to enterprise-level applications.
Open Payment
Processing API (OPPA)
OPPA is a next-generation payment solution that makes payments simple, fast, and reliable. It connects banks and financial institutions to modern payment networks, ensuring smooth, compliant transactions.
Acting as a single payment rail, OPPA modernizes legacy systems and enables real-time, seamless payments for your customers.
Key Capabilities:
Why Choose OPPA
Unified Payment Connectivity
Connect effortlessly with multiple banks, payment networks,
and financial platforms.
Modern Standards, Simplified
Move from older ISO 8583 systems to ISO 20022
and BI SNAP with zero hassle.
Fast & Reliable Transactions
Supports real-time and bulk payments, so your customers’
money moves exactly when it should.
Compliance You Can Trust
Built to follow Bank Indonesia regulations
and global standards.