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Indonesia

ID
Regulator
Bank Indonesia
Regulator
Otoritas Jasa Keuangan (Indonesia)
Regimes
2
Bank Indonesia, Otoritas Jasa Keuangan (Indonesia)
Companies
15
15 active licences
Passporting in
0
0 home states
Activities
3
/ 25

REGIMES IN THIS JURISDICTION

click a tier for its source
REGIME · STATUTEACTSMIN CAPITALTIMELINEAPPLICATION FEE
Payment Service Provider / Indonesia / PBI 22/23/PBI/2020Bank Indonesia Regulation No. 22/… · Bank Indonesia
Execute payment transactions (direct debits, card payments, credit transfers), Issue electronic money2/25 · 15 holders
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Crypto Asset Trader/Exchange / Indonesia / P2SK Law (OJK-supervised since 12 Jan 2025)Law No. 4 of 2023 on Development … · Otoritas Jasa Keuangan (Indonesia)
Exchange crypto-assets for funds1/25 · 0 holders
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Licences issued here

15 active

Source: Bank Indonesia, Otoritas Jasa Keuangan (Indonesia)’s public register, read 1 Sep 2026

CompanyRegulatorLicenceCoversGranted
PT Airpay International IndonesiaBank IndonesiaPayment Service ProviderPaymentsE-money01 Jul 2021
PT Artajasa Pembayaran ElektronisBank IndonesiaPayment Service ProviderPaymentsE-money24 Sep 2021
PT Bank Central Asia, TbkBank IndonesiaPayment Service ProviderPaymentsE-money01 Jul 2021
PT Bank Mandiri (Persero), TbkBank IndonesiaPayment Service ProviderPaymentsE-money01 Jul 2021
PT Bimasakti Multi SInergiBank IndonesiaPayment Service ProviderPaymentsE-money01 Jul 2021
PT Digital Karya LokaBank IndonesiaPayment Service ProviderPaymentsE-money16 Dec 2024
PT Durian Pay IndonesiaBank IndonesiaPayment Service ProviderPaymentsE-money14 Dec 2024
PT Espay Debit Indonesia KoeBank IndonesiaPayment Service ProviderPaymentsE-money01 Jul 2021
PT Fintek Karya NusantaraBank IndonesiaPayment Service ProviderPaymentsE-money01 Jul 2021
PT Fliptech Lentera Inspirasi PertiwiBank IndonesiaPayment Service ProviderPaymentsE-money04 Oct 2016
PT Infra Digital NusantaraBank IndonesiaPayment Service ProviderPaymentsE-money04 Jul 2023
PT MidtransBank IndonesiaPayment Service ProviderPaymentsE-money01 Jul 2021
PT MNC Teknologi NusantaraBank IndonesiaPayment Service ProviderPaymentsE-money01 Jul 2021
PT Visionet InternasionalBank IndonesiaPayment Service ProviderPaymentsE-money01 Jul 2021
PT Witami Tunai MandiriBank IndonesiaPayment Service ProviderPaymentsE-money01 Jul 2021

INBOUND PASSPORTING — REGIMES ELSEWHERE THAT REACH THIS MARKET

HOME REGIME

No inbound passporting reaches this jurisdiction.

ACTIVITIES PERMITTED IN THIS JURISDICTION

3
Exchange crypto-assets for fundsConferred by Crypto Asset Trader/Exchange / Indonesia / P2SK Law (OJK-supervised since 12 Jan 2025) (for consumer, sme, corporate, via-intermediary)
Execute payment transactions (direct debits, card payments, credit transfers)Conferred by Payment Service Provider / Indonesia / PBI 22/23/PBI/2020 (for consumer, sme, corporate, via-intermediary)
Issue electronic moneyConferred by Payment Service Provider / Indonesia / PBI 22/23/PBI/2020 (for consumer, sme, via-intermediary)

PRODUCTS AVAILABLE HERE

2
PRODUCTCLIENT TYPESTATUSMISSING ACTIVITIES
Crypto off-ramp (crypto to fiat payout)consumer · SME · corporate · via intermediaryconditionalhypothetical—
Crypto on-ramp (fiat to crypto)consumer · SME · corporate · via intermediaryconditionalhypothetical—
Card issuingconsumer · SME · corporate · via intermediarynoneIssue payment instruments and/or acquire payment transactions, Issue card-based payment instruments (card issuing)
Cross-border remittanceconsumer · SME · corporate · via intermediarynoneCross-border remittance as a distinct commercial activity, Money remittance
IBAN accountsconsumer · SME · corporate · via intermediarynonePlace cash on a payment account, Cash withdrawal from a payment account, Issue IBAN accounts in the institution's own name
Merchant collectionsconsumer · SME · corporate · via intermediarynoneAcquire card-based payment transactions (card acquiring)
Payoutsconsumer · SME · corporate · via intermediarynoneCurrency conversion (FX) as a service
Stablecoin custodyconsumer · SME · corporate · via intermediarynoneProvide custody and administration of crypto-assets on behalf of clients
Stablecoin orchestrationconsumer · SME · corporate · via intermediarynoneProvide custody and administration of crypto-assets on behalf of clients

CHANGES

Nothing to show yet. A change log needs two snapshots to compare, and history only began being recorded on 2026-08-14 — the builds captured so far differ by zero values. Rather than back-fill invented history, this fills in as the corpus actually moves.

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Jurisdiction: Indonesia

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