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Solutions

Banks & Financial InstitutionsVirtual account & QRIS acquiring under your bank’s brandEnterprise & Digital BusinessIncoming payments identified and reconciled automaticallyService BusinessesBooking, payments, and customers in one app

Products

SPECVAVirtual Account Management SystemQRISANQRIS Acquiring Management SystemCRING!Payment facilitator for enterprise & governmentCRING! PointBooking & customer management for service businesses

Portfolio

Case StudiesTrack record per client: BNI, Permata, Bank JakartaProjects11 QRIS and virtual account implementationsPress ReleaseThree press releases and 32 media coverage linksTrust CenterLicences, certifications, and complianceBlogCompanyCareersTalk to our team

Indonesia's Fintech Enabler

The payment infrastructure behind Indonesia's banks.

Virtual accounts, QRIS acquiring, and payment facilitation that run under your name — not ours. You grow out front; we work behind the scenes.

Talk to our teamSee how it works
PJP Category 3 — Bank Indonesia, 2024PCI DSSISO/IEC 27001:2022
SPE Solution banner — glass prism carrying the SPE symbol with geometric accents

Trusted by 24 institutions — national banks, regional banks, and enterprises — since 2016

BNIPermata BankBank JakartaBank JatengBTNKB BankbankaltimtaraBNI LifeBNI SyariahRestu Klepu MakmurBank MandiriBank BukopinSekolahKu AppOlseraFWDPupuk KaltimFlipAPPISenayan CityHondaDuluxBiznetGamatechnoSari Roti
10+
Years of experience
25+
Products and services
99.8%
System uptime
24/7
Support

Security & compliance

PJP Category 3 — Bank IndonesiaLicensed PTDPCI DSS — QRCISO/IEC 27001:2022 — TÜV RheinlandISO 37001 — BSIASPI memberFintech IndonesiaAFPIAPPUI

Who it's for

Start from the outcome you're after — not from a product list.

One platform, three doors. Pick the one that speaks your language.

Banks & Financial Institutions

Issue virtual accounts and become a QRIS acquirer under your bank's own brand — without building the core from scratch.

Head of Digital Banking · Transaction Banking · IT & Product · Procurement

See solutions for banks

Enterprise & Digital Business

Every incoming payment is identified and reconciled automatically — your finance team stops matching bank statements line by line.

CFO · COO · Head of Finance · Head of Product & Technology

See solutions for enterprises

Service Businesses

Tidy bookings, recorded payments, customers who come back — managed from one app, not from memory.

Business owners · Operations managers

See solutions for service businesses

Outcomes

What changes after working with SPE.

Enter the market without building from scratch

You launch a service, not an infrastructure project — the systems have run at national banks since 2016.

Your brand stays out front

Everything runs white-label. Customers and merchants know you; the margin and the relationship stay yours.

Compliance from day one

PJP Category 3 from Bank Indonesia, PCI DSS, ISO/IEC 27001:2022, and ISO 37001 — not an afterthought bolted on post go-live.

Operations you can audit

Two high-availability data centers (Lintasarta & DCI Indonesia) and Google Cloud, with dedicated security and compliance teams.

How it works

One flow, from payment to settlement.

Customers &merchantspay via VA, QRIS,and digital channelsYour brandedchannelsbank app · enterprisebilling · business POSSPE PlatformVA & QRIS acquiringswitching & monitoringreconciliation & settlementPCI DSS · ISO 27001Core banking /finance systemsconnected via integration— not replacementSettlement &reportingfollowing Bank Indonesiastandards

Customers only ever see your brand. Switching, monitoring, reconciliation, settlement, and Bank Indonesia reporting become our problem.

Products

Four products — each born from a client's need, not a catalogue.

SPECVA logo

Issue virtual accounts under your bank’s brand — without building the core.

Virtual Account Management System for banks & financial institutions.

See SPECVA
QRISAN logo

Make your bank a QRIS acquirer — from merchant onboarding to settlement.

QRIS Acquiring Management System for banks & financial institutions.

See QRISAN
CRING! logo

One integration for every incoming payment.

A payment facilitator for enterprises, government, and merchants — reconciliation stops being manual work.

See CRING!
Logo CRING! Point

Bookings, customers, and reports for service businesses — one app.

Booking & customer management for salons, workshops & carwashes, hobby & sports venues.

See CRING! Point

Portfolio

We put compliance and track record up front — not in the footnotes.

2016

The first VA Credit system for BNI — the start of our track record at a national bank.

2018

Achieved PCI DSS certification.

2019

A digital wallet and the YAP! QR payment system with BNI.

2020

The first QRIS acquiring system, with Permata Bank.

2021

A second QRIS acquiring system with BNI; every system rebuilt to Bank Indonesia standards.

2022–2023

Bank DKI's QRIS, VA Credit, and Debit; launch of the CRING! Bank Facilitator; development of the Digital Loan Enabler.

2024

The SPECVA & QRISAN rebrand and the PJP Category 3 licence from Bank Indonesia.

A portfolio you can verify

  • PJP Category 3 licence — Bank Indonesia (2024)
  • PCI DSS — certified by QRC
  • ISO/IEC 27001:2022 — TÜV Rheinland
  • ISO 37001 (anti-bribery) — BSI
  • 2 high-availability data centers + Google Cloud
  • Member of Fintech Indonesia & AFPI
Open the Trust CenterRead the case studies

Next step

Tell us what you want to launch.

Straight to our product and compliance people — not a sales script.

Office Green Lake City Boulevard, Kota Tangerang

Talk to the SPE team

We reply to your work email. First conversations are with the product team — not a sales script.