Payment Facilitator · enterprise, government & merchants

Every rupiah collected is traced, closed, and accounted for — the same day.

With CRING!, institutions accept QRIS, Virtual Account, and transfer payments through one contract and one integration. Funds settle to your account at a partner bank — never held by a third party — and every payment automatically closes its invoice in your finance system.

Talk to our team See how it works

Running as a bank facilitator with Bank DKI since 2022 · SPE holds a PJP Category 3 licence from Bank Indonesia · in PCI DSS & ISO/IEC 27001:2022 scope

Separate contracts per bank and per payment channel

One contract, one API — QRIS, VA, and transfers arrive through one door

Funds parked in an aggregator's account before being passed on

Funds processed and settled by the partner bank straight into your institution's account

Invoices closed by hand; collection recaps built at period end

Callbacks close invoices automatically; the per-unit collection dashboard is always current

Who it's for

For those who must account for every rupiah they collect

The bank facilitator model is designed for organisations whose funds must never sit in a third party's account.

Regional government

BPKAD / Bapenda & public institutions

Taxes, levies, and other revenues land in the regional treasury account at the regional bank — traceable per taxpayer, with audit-ready recaps.

Enterprise & platforms

CFO / Head of Finance & Product

Multi-channel collection with automatic reconciliation and per-business-unit visibility — including sub-merchants for platforms with many sellers.

Merchants & institutions

Education, hospitals, cooperatives

Accept payments with your own brand experience — payment links or API — without building a payment system of your own.

The problem today

Aggregators are fast, but the money passes through their account. Banks are safe, but you integrate one at a time.

Public institutions and corporations have long been forced to pick one. CRING! takes a third path: the bank facilitator model — SPE provides the system, the partner bank processes and settles the funds, and the institution keeps the account and the reports.

Collected funds sit in a third party's account — hard to account for the same day.
Direct integration with every bank and channel means many contracts, many formats, endless maintenance.
Incoming payments don't close invoices automatically; staff match transfer receipts one by one.
Collection recaps per unit and per revenue type built manually for leadership and auditors.

How it works

The bank facilitator model: fast like an aggregator, safe like a bank

CRING! stands between the institution's systems, the payment channels, and the partner bank: one API out front, bank processing and settlement behind, funds in the institution's account.

The institution creates a billVia API, dashboard, or payment link — reference number, amount, due date.
The payer picks a channelQRIS, Virtual Account, or transfer — from any bank app or digital wallet.
The transaction reaches CRING!Validated and matched against the issued bill.
The partner bank processes & settlesFunds settle to the institution's account at the partner bank — never held in an SPE account.
Callback & reportsInvoices close automatically in the institution's finance system; dashboards and collection recaps build themselves.

Capabilities

One door for collections, from billing to audit

Multi-channel collection

QRIS, Virtual Account, and transfers in one integration and one contract.
Ready-made payment links & payment pages — for institutions without a developer team.
One API to create bills, offer channels, receive callbacks, and pull reports.

Reconciliation & reporting

Automatic reconciliation against the account at the partner bank; exceptions labelled with a reason.
Collection dashboards per unit, per revenue type, per channel — exportable to your finance system.
Audit-ready recaps for leadership, BPKAD, and examiners.

For platforms

Sub-merchant management: fund separation per seller and reports per sub-merchant.
Your own brand experience — payers see your brand, not SPE's.

Compliance

PJP Category 3 from Bank Indonesia — SPE's licence, obtained in 2024.
PCI DSS, ISO/IEC 27001:2022, ISO 37001 — company certification scope.
Reporting per partner bank and regulator requirements.

Integration

Two ways in: API for developer teams, payment links for everyone else

Regional finance systems, ERPs, campus applications, or hospital tills connect via REST API with a sandbox and documentation. Institutions without a technical team can start from the dashboard and payment links.

REST API + sandbox — create bills, receive signed callbacks, pull reports.
Payment links — share a link or QR from the dashboard, without a single line of code.
Exports to your finance system — collection recaps in the formats your team uses.
SPE infrastructure — two High Availability data centers (Lintasarta, DCI Indonesia) and Google Cloud.

Illustration

// Creating a multi-channel bill — illustrative example, not a final specification
POST /pay/v1/invoices
{
  "reference": "PBB-3174-2026-001234",
  "amount": 1250000,
  "channels": ["QRIS", "VA", "TRANSFER"],
  "due_date": "2026-09-30",
  "callback_url": "https://keuangan.pemda.go.id/hooks/cring"
}

// Callback on payment
{
  "reference": "PBB-3174-2026-001234",
  "channel": "QRIS",
  "status": "PAID",
  "settled_to": "regional treasury account — partner bank"
}

Portfolio

This facilitator model is already running — not just a concept

CRING! was developed with Bank DKI as a bank facilitator, and SPE's portfolio includes public collection systems that demand full accountability.

E-PBBTilang Online Kejaksaan Pedagang BIMADIGIPRO PJP Category 3 — BI

See the case studies → · Trust Center →

2022

The CRING! bank facilitator developed with Bank DKIAlongside Bank DKI's QRIS acquiring and VA Credit systems.

2023

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

2024

SPE obtains the PJP Category 3 licenceThe Bank Indonesia licensing foundation for payment facilitator services.

Next step

Start with one revenue type, grow from there

Step 1

Collection mapping

Your revenue types, the bank holding your account, and the finance system whose invoices need closing.

Step 2

Activation & integration

One contract under the partner bank scheme; API integration or payment link and dashboard activation.

Step 3

Go-live & expansion

Start with one unit or bill type, then add channels and other units under the same contract.

Discuss your collection scheme

Tell us your revenue types and your bank — our team designs the right facilitator scheme, including for regional government collections.

Talk to our team See the Trust Center

Solutions

Products