BNI Autopay
Recurring payments with minimal friction, solid security, and ready integration through an API and an operational portal
What changes once BNI Autopay is running.
- 01
Recurring payments run automatically after a single activation, so customers do not repeat the process.
- 02
Bills are collected faster because billing is more consistent.
- 03
Stronger security with OTP verification before a transaction is processed.
- 04
Transaction status known sooner through automatic notifications and callbacks.
- 05
Lighter operations through a portal for monitoring, reports, and reconciliation.
- 06
An API that integrates easily into websites, e-commerce, and internal systems to support scale.
Recurring payments were automated to reduce customer friction and improve the success rate of repeat payments. Customers activate once, and subsequent payments can be processed without a manual transfer or repeated login. On the business side, SPE Solution provides an API and Autopay Portal that integrate easily into websites and e-commerce, so the end-to-end payment flow runs more smoothly and operations become more efficient.
The channels and features used in the field.
- 01Fast payment on e-commerce platforms such as Shopee, Tokopedia, Traveloka, and GoPay without re-entering details each time.
- 02Daily limit settings to control spending, with options up to Rp1,000,000 depending on the merchant.
- 03BNI debit card as the funding source, limited to one funding source per merchant account.
- 04Secure payment, with an OTP sent by SMS to the phone number registered with BNI.
What was built, year by year.
The development record for BNI Autopay across 2019–2025 — set down as recorded in the project documents, without impact figures that clients have not yet validated.
- Autopay v1 development begins, admin portal, retail
- Autopay v1 retail deployed, feature additions (merchant editing, charge monitoring, fee report, and more)
- 4-digit debit card feature added, payment report, CSV history download
- Autopay v2 SNAP version development begins, admin portal, autopay retail, autopay v1 billing inquiry development, billing adaptor added for BPJS
- Autopay v2 deployed, billing version development for autopay v2 begins, force debit, ISO 27001 autopay v1, PCI DSS autopay v1
- PCI DSS achieved for Autopay V2, ISO 27001 achieved for Autopay V2
- Autopay contract extension
In short.
BNI Autopay combines an API and a portal to build recurring payments that are safer and lower in friction. Customers get a practical payment experience, while merchants keep control through monitoring, real-time notifications, and operational reporting, with integration that fits smoothly into websites and e-commerce.
To explore recurring payment models and the integration scheme that fits best, you can book a session with the SPE Solution team.