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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
All topics QRIS & Acquiring Virtual Account Digital Banking Business & Finance Strategy Organisation & Work Culture Downloadable Guides
Topic

QRIS & Acquiring

For banks and financial institutions becoming — or already operating as — QRIS acquirers.

Is your bank evaluating a QRIS acquiring system?QRISAN is the QRIS Acquiring Management System used by Indonesian banks since 2020.

See QRISAN →
Topic

Virtual Account

From the fundamentals to core banking integration.

Want to issue VAs under your bank's own brand?SPECVA is the Virtual Account Management System — its development for BNI began in 2016.

See SPECVA →
Topic

Digital Banking

Where payment systems and core banking transformation are heading in Indonesia.

Mapping your bank's payment modernisation needs?See how SPE supports banks & financial institutions — from VA to QRIS acquiring.

Solutions for Banks →
Topic

Business & Finance Strategy

Collection, reconciliation, and financial management for enterprises and digital businesses.

Are collection and reconciliation still manual at your company?CRING! is a payment facilitator for enterprises, government, and merchants.

See CRING! →
Topic

Organisation & Work Culture

The human side of digital transformation.

Free guides & checklists

Take home the framework, not just the article.

Written by the SPE team from the experience of building payment systems with Indonesia's banks since 2016. Pick one and we'll send it to your work email.

The bank's checklist before becoming a QRIS acquirer: licensing, systems, operationsBank Indonesia and ASPI requirements, system architecture, merchant onboarding, settlement, and disputes — from the experience of building QRIS acquiring systems with Permata Bank (2020), BNI (2021), and Bank DKI (2022).
A guide to choosing a Virtual Account Management SystemThe questions worth asking any prospective vendor — core banking integration, security, scalability.
A payment service provider due diligence checklistPJP licences, security certifications, and infrastructure — what your risk team should ask for.

Download a guide

4 fields, under a minute. The download link goes to your work email.

No sales calls. The link goes straight to your inbox.

PJP Category 3 · BIPCI DSSISO/IEC 27001:2022
From insight to implementation

Already know what you're looking for?

Three doors — pick the one closest to your role.

Banks & Financial Institutions

Issue VAs, become a QRIS acquirer, or modernise payment systems — under your own brand.

See solutions for banks

Enterprise & Digital Business

Collection, disbursement, reconciliation, and transaction visibility in one integration.

See solutions for enterprises

Service Businesses

Booking, payments, and customer management for service businesses — from salons to workshops.

See solutions for service businesses

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