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Bank Indonesia
The specific acceptance units and authorities are subject to the latest public information of Bank Indonesia.。
1. Indonesia PJP payment license：Institutional background and legal basis
Indonesian Payment Service Provider (PJP) is licensed by Bank Indonesia under the Payment System Regulations。PJP and P2P lending are not the same system；The latter mainly falls under the regulatory scope of the Financial Services Authority (OJK)。
PJP activities by account information and funding source、Payment initiation or acquisition、Classification of functions such as remittances and other payment services。electronic money、payment gateway、Acquiring、Wallet and cross-border remittance system、Settlement and client funding arrangements are different，Permissions should be selected based on the activities to be carried out。
Important tips：Business category、Capital and local governance requirements should be confirmed according to Bank Indonesia’s current classification。
2. Core regulatory information
regulatory path
Payment Service Provider (PJP) License
Business category、Capital and local governance requirements should be confirmed according to Bank Indonesia’s current classification。
Check the key points
License Scope and Ongoing Obligations
The content has been combined with the disclosure rules of regulatory agencies、Cross-check application material structure and actual business process。
3. Business scope and license boundaries
Scope description
The following content is used to delineate the project scope of Indonesia’s PJP payment license；The final decision should be based on actual business and official approval.。
Payment initiation and receipt
The application documents should describe the products for payment initiation and acquisition.、client、channel、transaction process、Revenue model and controls。
Account information or money transfer services
Application documents should describe account information or products of remittance services、client、channel、transaction process、Revenue model and controls。
Payment infrastructure related services
Application documents should describe products offering payment infrastructure related services、client、channel、transaction process、Revenue model and controls。
4. Application subject、capital、people and places
Check before applying
Bank Indonesia usually withdraws from the entity、personnel、Review of business authenticity and risk control；Material depth will vary from project to project。
official information：Bank Indonesia。The latest form should be double-checked before submission.、cost、Timeframes and technical requirements。
business plan
Describe the proposed payment initiation and receipt item by item、Account information or money transfer services、Payment infrastructure related services，including customers、area、channel、Products and funding flows。
Equity and Management
Disclosure Shareholders、ultimate controller、Directors and key personnel，and be prepared to be honest、Proof of experience and financial resources。
Governance and Control
Establish division of responsibilities、conflict of interest、complaint、outsourcing、business continuity、Cybersecurity and financial controls。
AML/CFT Framework
Establish customer due diligence based on risk assessment、Continuous monitoring、Sanctions Screening、suspicious transaction report、Record keeping and training mechanisms。
Capital and financial resources
Don’t judge based on just a single number。Legal minimum capital should be distinguished、regulatory capital、margin、Insurance、Protection of customer assets and sufficient financial resources to sustain operations，And check the current rules of Bank Indonesia according to the application scope and business scale.。Source of funds、Financial forecasts and stress scenarios should also be interpretable and verifiable。Special attention should also be paid to this project：Business category、Capital and local governance requirements should be confirmed according to Bank Indonesia’s current classification。
Key People and Governance
It is usually necessary to first stabilize the applicant、Equity chain、ultimate beneficial owner、Directors and key personnel responsible for business and compliance，and prepare identity、Resume、Integrity、Proof of professional experience and financial resources。Bank Indonesia will consider whether the duties are genuine、Do the personnel have sufficient authority and time?、Conflicts of Interest and Reporting Relationship Judgments Governance Arrangements，Rather than just looking at the job title。
Office and local content
office、Registered address and record keeping location should be checked separately。If the regulatory authority requires local substance，A mail-only virtual address must not be used as a substitute for actual management、customer service、System control and file access arrangements。
5. Government charges and project budgets
The budget should differentiate between statutory expenses、Capital or margin、Company and premises costs、Personnel costs and professional service fees。If there is no official basis, do not write a fixed total price or guarantee the betting period.。
| budget items | Billing basis | Checkpoints |
|---|---|---|
| Regulatory application and annual fees | By license type、Scope of authority、Number of applicants and key personnel，and calculation of the current fee schedule of the competent authority.。 | Only quote the current fee schedule of the competent authority；Third-party service fees must not be packaged as government fees。 |
| capital、Security deposit and insurance | Don’t judge based on just a single number。Legal minimum capital should be distinguished、regulatory capital、margin、Insurance、Protection of customer assets and sufficient financial resources to sustain operations，And check the current rules of Bank Indonesia according to the application scope and business scale.。Source of funds、Financial forecasts and stress scenarios should also be interpretable and verifiable。Special attention should also be paid to this project：Business category、Capital and local governance requirements should be confirmed according to Bank Indonesia’s current classification。 | Capital is not a service fee，Nor shall it be satisfied by temporary borrowings or funds from unexplained sources.。 |
| Company establishment and statutory maintenance | According to registration place、share capital、registered agent、secretary、Registered address、Separate quotations for annual reports and tax returns。 | The establishment of a company does not mean the approval of a license or the opening of a bank account.。 |
| Office and personnel | by lease、deposit、area、use、local salary、Visa and residency requirement accounting。 | First confirm the substantive requirements for regulatory acceptance，Sign a new lease or hire staff。 |
| system、Systems and professional services | AML/KYC calculation based on business complexity、Sanctions Screening、Transaction monitoring、network security、audit、legal advice、Translation and notarization。 | The quotation should specify the scope、hypothesis、Third-party fees and number of replacement parts。 |
6. Application process and review cycle
The length of the process depends on the complexity of the business、Data completeness and inquiries from Bank Indonesia or the receiving institution，It is not appropriate to promise a fixed time for approval。
first step：Delineate regulated activities
put product、client、area、Channels and fund flows are mapped to the license scope of the payment service provider (PJP) license。
Step 2：Design subject and governance structure
Determine the applicant、Equity、director、key personnel、Office space and outsourcing arrangements。
Step 3：Prepare application and institutional documents
Prepare business plan、financial forecast、Organizational structure、Risk assessment and various compliance policies。
Step 4：Submit and receive review
Submit application to Bank Indonesia，Reply to addendum、Interview、System demonstration or on-site inspection。
Step 5：Approval and continued compliance
Check license conditions，Complete capital before starting business、personnel、system、Client assets and reporting arrangements。
7. Licensed、Renewal and ongoing supervision
Capital must be maintained after obtaining license、governance、System availability、client funds、Data and consumer protection，Submit transaction and regulatory reports，and equity、Management、product、System or outsourcing change fulfillment approval or notification。For cross-border payments, you must also check the requirements of foreign exchange and cooperative institutions.。
8. 2023–2026 Regulatory Updates and Official Information
2026 should be classified from Bank Indonesia’s current PJP、Licensing rules and payment system blueprint check application conditions；OJK online lending rules do not apply to substitute PJP payment licensing requirements。
Official verification entrance：Bank Indonesia。
Information update instructions：regulatory scope、capital、personnel、cost、Time limits and continuing obligations subject to adjustment，Before formal application, the current rules of the competent authority should be followed、The form and case approval shall prevail.。
9. Customer FAQ
Indonesian Payment Service Provider (PJP) is licensed by Bank Indonesia under the Payment System Regulations。PJP and P2P lending are not the same system；The latter mainly falls under the regulatory scope of the Financial Services Authority (OJK)。 PJP activities by account information and funding source、Payment initiation or acquisition、Classification of functions such as remittances and other payment services。electronic money、payment gateway、Acquiring、Wallet and cross-border remittance system、Settlement and client funding arrangements are different，Permissions should be selected based on the activities to be carried out。
Applicants must prove that the Indonesian legal entity and ownership meet the requirements，Qualification of directors and management，Capital and financial forecasts are adequate，and submit the payment process、Settlement and client funds、IT security、data center、business continuity、consumer protection、AML/CFT and regulatory reporting solutions。
Capital must be maintained after obtaining license、governance、System availability、client funds、Data and consumer protection，Submit transaction and regulatory reports，and equity、Management、product、System or outsourcing change fulfillment approval or notification。For cross-border payments, you must also check the requirements of foreign exchange and cooperative institutions.。
2026 should be classified from Bank Indonesia’s current PJP、Licensing rules and payment system blueprint check application conditions；OJK online lending rules do not apply to substitute PJP payment licensing requirements。 See the latest rulesBank Indonesia。
The system should be based on the company's customers、Country or region、product、Channel and transaction characteristics shape enterprise risk assessment，and fall to customer due diligence、Beneficial owner identification、Continuous monitoring、Sanctions and PEP Screening、Suspicious transaction escalation and reporting、record keeping、Staff training and independent testing。Directly apply common templates、There is no threshold basis or the operation record cannot be displayed，Usually insufficient to prove that the system can actually operate。
Don’t judge based on just a single number。Legal minimum capital should be distinguished、regulatory capital、margin、Insurance、Protection of customer assets and sufficient financial resources to sustain operations，And check the current rules of Bank Indonesia according to the application scope and business scale.。Source of funds、Financial forecasts and stress scenarios should also be interpretable and verifiable。Special attention should also be paid to this project：Business category、Capital and local governance requirements should be confirmed according to Bank Indonesia’s current classification。
The answer depends on local laws、Eligibility for payment service provider (PJP) license、Planned activities and outsourcing model。Even if the rules do not uniformly provide for a certain position or area，Bank Indonesia may still focus on decisions、Record、customer service、Whether risk management and regulatory communications have sufficient local substance；Before leasing space or hiring personnel，Case requirements should be checked first。
Review time is subject to application completeness、business complexity、Key personnel qualifications、Regulatory inquiries、Interviews or system demonstrations and third-party attestation of impact，It is not appropriate to promise a fixed date for approval。The project plan should separately list preparation、submit、Supplementary parts、Technical rectification and post-approval commissioning phase，and retain sufficient buffering；Only the competent authority can decide whether to accept and approve。
Usually not。Applicants should complete supplier due diligence，Describe data flow、service level、Audit right、Subcontract、information security、Business continuity and exit arrangements，and retain the rules、threshold、Alarm handling and major accident supervision capabilities。Whether outsourcing is ultimately allowed and what notification or approval is required，Should be checked against the current regulations of Bank Indonesia。
Already submitted、Company registration under review or completion is described as approved。Formal commencement of regulated activities、Actively solicit customers、Before collecting client funds or issuing potentially misleading licensing claims，It should be confirmed that the license has taken effect、The business does not exceed the approved scope，And also check the cross-border marketing rules of the target customer’s location。
Common matters include renewal or annual fees、Regulatory filing、Financial or compliance audit、training、record keeping、Complaint handling、Client Assets and Capital Monitoring，and equity、director、key personnel、address、Business scope、System and major incident notification or prior approval。A compliance calendar and change approval process should be established，and get regular rule updates from Bank Indonesia。
should beBank IndonesiaCurrent regulations issued、Application form、guidelines、The fee schedule and announcement shall prevail。88MSO page is used to help organize questions and materials，Not representing regulatory agencies，Nor can it replace local lawyers、Opinions from tax consultants or competent authorities on individual cases。
You can continue reading based on project boundariesUS MSB Digital Currency License、Irish EMI payment license。These pages are used to compare different regulatory pathways or supporting services；Do they need to be processed at the same time?，real product、Customer area、The contracting entity and capital flow shall prevail.。
Government or competent authority fees should correspond to official fee schedules、Payment notice or receipt；capital、margin、Insurance、office、personnel、system、audit、law、Translation and consulting services are independent budget items。Formal quotations should specify the currency、taxes、third party expenses、Applicable Assumptions and Exclusions。
The applicant should be confirmed first、Legal registered address、actual management location、Differences Between Customer Reception Locations and Record Keeping Locations，Recalculation of registration fees、agent or secretary、rent、deposit、furnish、communication、Insurance、Visas and local personnel。Rent an office first and then determine regulatory boundaries，May cause unrecoverable costs。