Achievable outcomes
What changes for finance, operations, and technology teams.
Reconciliation takes care of itself
Every incoming payment carries its identity. No more anonymous transfers holding up revenue recognition.
One integration, many channels
Your engineering team goes back to the core product instead of maintaining bank connections. VA, QRIS, and other channels come through one door.
Cash position visible when you need it
Collections monitored from one dashboard — not after the monthly report is finally compiled.
The problem today
Every new channel adds revenue — and adds manual work.
The same pattern shows up in enterprises, public institutions, and digital platforms:
More channels, multiplied reconciliation
Every channel means a different report, a different format, and a new spreadsheet for the finance team.
Payers go unidentified
Transfers arriving without identity force the team to guess, re-invoice, and delay bookkeeping.
Integration becomes a long project
Connecting banks and channels one by one pulls the technology team off the product roadmap for months.
How SPE solves it
Every rupiah arrives, is identified, and is recorded — in one flow.
Transactions are identified on arrival, reconciled automatically, and delivered as reports ready to use. CRING! sits between your payment channels and finance systems.
Products for enterprises
One product, one way in.
CRING! — Payment Facilitator
Accept payments from many channels through one integration — for enterprises, public institutions, and digital platforms. Includes the bank facilitator model with partner banks.
Explore CRING!Have a developer team? Integration starts in a test environment — request sandbox access →
Portfolio
Used by enterprises — audited to bank standards.
The same platform we operate for national banks — same certifications, same supervision.
Enterprise & consumer brands
Senayan City, Honda, Dulux, Sari Roti, Biznet, and Pupuk Kaltim are on our client list.
Platforms & digital business
Flip, Olsera, SekolahKu App, Gamatechno, and wappin were built on or connect through our platform.
Public institutions
Our portfolio includes E-PBB and Tilang Online Kejaksaan — public collections that must be traceable per payer.
Finance & insurance
BNI Life, FWD, and APPI round out a list of 24 clients across industries.
The same standards as banks
- Licensed PJP Category 3 — Bank Indonesia (2024)
- PCI DSS — certified by QRC
- ISO/IEC 27001:2022 — TÜV Rheinland
- ISO 37001 (anti-bribery) — BSI
- 2 HA data centers (Lintasarta & DCI) + Google Cloud
- A 2016–2024 timeline with BNI, Permata & Bank DKI
Next step
Tell us how your payments flow today.
We'll show you which parts can stop being manual. Straight to the product team, not a sales script.
Talk to the SPE team
We reply to your work email. First conversations are with the product team — not a sales script.