Answers to the questions procurement, risk, and compliance teams actually ask: our licences, certifications, and infrastructure. SPE is a Category 3 Payment Service Provider (PJP), licensed by Bank Indonesia in 2024. For the implementation story by client and year, see Case Studies.
Track record 2016–2024: BNI · Permata Bank · Bank DKI
Objection 01Legality & supervision
“Is this vendor legal and supervised?”
Under Bank Indonesia supervision as a Category 3 PJP since 2024, holding licensed PTD status, and a member of two national digital finance industry associations.
Portfolio
Issuer / supervisor
Notes
PJP Category 3 licence
Bank Indonesia
Obtained in 2024. Status can be verified through Bank Indonesia's official channels.
Licensed PTD
Details in the due diligence pack
Stated in SPE's official 2026 company profile.
Fintech Indonesia membership
Asosiasi Fintech Indonesia
Active membership.
AFPI membership
Asosiasi Fintech Pendanaan Bersama Indonesia
Active membership.
Licence numbers are not published on open pages — copies are available in the due diligence pack.
Objection 02Data security
“Is our customer data safe?”
Information security is run as a third-party-audited system, not merely an internal policy — operated by a standalone IT Infrastructure, Network & Security division, with the compliance function under the Director of Finance & Compliance.
Portfolio
Issuer / supervisor
Notes
PCI DSS
Certified by QRC
The payment card industry's data security standard. First certified in 2018.
ISO/IEC 27001:2022
TÜV Rheinland
Information security management system.
IT Infrastructure, Network & Security division
SPE organisational structure
Security is handled by a dedicated division, separate from the product development teams.
Objection 03Integrity
“Is there an integrity risk in working together?”
Anti-bribery at SPE is not an ethics statement — it is a certified management system and a function physically separated from commercial operations.
Portfolio
Issuer / supervisor
Notes
ISO 37001
BSI
Anti-bribery management system. KAN (Komite Akreditasi Nasional) accreditation via BSI.
Integrity Office
SPE organisational structure
The integrity function runs from an office separate from the Core Office (Ruko CBD Korean Town, Green Lake City, Tangerang).
Objection 04System reliability
“Is the system reliable when it matters?”
Production infrastructure runs on two high-availability data centers plus public cloud — designed to keep payment services available.
Portfolio
Issuer / supervisor
Notes
2 high-availability data centers
Lintasarta · DCI Indonesia
Two separate facilities for high availability.
Cloud provider
Google Cloud
Public cloud computing capacity.
We do not publish SLA figures on this page. Availability architecture and service targets are discussed openly during technical evaluation with your team.
Objection 05Team competence
“Is the team competent?”
Seven in-house divisions cover the full cycle — from development to infrastructure and security — with individual professional certifications across those functions.
Portfolio
Issuer / supervisor
Notes
7 in-house divisions
SPE organisational structure
Human Capital & General Affair · Finance, Accounting & Tax · Product Development · IT Development · IT Infrastructure, Network & Security · Research & Development · Business & Relationship.
Employee certifications
Various certification bodies
Google Cloud · PMP · PSPO · PSM · ICP-ACC · CIA · ITIL 4.
Objection 06Track record
“Has it run in production before?”
Running in banking production since 2016 — BNI, then Permata Bank and Bank DKI. The track record below is verified in the official company profile.
Period & client
Scope
Notes
2016–2021 · BNI
VA Credit · YAP! · QRIS acquiring
The longest partnership in SPE's track record; the broadest product portfolio.
Licence numbers and certificate copies: through official channels, not open pages.
For vendor evaluations, our team prepares a due diligence pack delivered directly to your procurement, risk, or compliance team — under NDA where required.
Legality & licences
Copies of the PJP Category 3 licence from Bank Indonesia and licensed PTD status.
Certifications
Copies of PCI DSS (QRC), ISO/IEC 27001:2022 (TÜV Rheinland), and ISO 37001 (BSI) certifications.
Profile & infrastructure
The official company profile, information security policy, infrastructure summary, and a completed vendor security questionnaire.
Everything on this page is sourced from SPE's official 2026 company profile.
Beware of fraud
Fraud committed in SPE's name.
SPE never asks for personal fund transfers, OTP codes, or card details by phone, message, or social media. Our only official channels are: the spesolution.com domain, @spesolution.com email, and phone (021) 5431 4531.
Received a suspicious request in SPE's name? Report it via the contact page.
Next step
Put us to the test with your checklist.
Send us your vendor checklist — our team answers it point by point, with the supporting documents.
