Skip to main content
SekaliPay Merchant

Payment acceptance platform, registered with PSE Komdigi

Accept QRIS, virtual account, and e-wallet payments

SekaliPay Merchant records your bills, sends notifications, and forwards funds to your balance. Every method's fee and settlement time is published before you sign up.

Demo of one transaction: a bill paid with QRIS, a virtual account, then an e-wallet, through to paid and settled.

Supported payment methods

21 active methods: 3 QRIS, 10 virtual accounts, 8 e-wallets. Credit cards and retail outlets are not yet available.

Products and methods

Choose how to accept payments

Payment Link

Create a bill in the dashboard and send its link in chat. For sellers on WhatsApp, Instagram, and TikTok without a website.

sekalipay.com/payment/INV/20261016/KWL/00184See how it works

Payment API

Create bills automatically from your website or app, and receive signed webhooks.

POST /api/v1/gateway/payment
See the API

21 payment methods

QRIS, 10 virtual accounts, and 8 e-wallets in one account.

QRIS SekalipayBCA Virtual AccountMandiri Virtual AccountBNI Virtual AccountGoPayDANA RealtimeOVOShopeePayCompare the fees
Coming soonRecurring Billing: bill regular customers on a schedule without creating each bill by hand.
QRIS from0.7% + Rp 300
Fastest settlementH+0
Monthly feeRp 0
Calculate your fees

Who it fits

Which businesses fit SekaliPay Merchant?

A seller packing a cake order while taking a customer's call in a home kitchen.

Online shops and social media sellers

Orders arrive through WhatsApp, Instagram, or TikTok, and there is no website yet.

Payment Link: create a bill in the dashboard and send its link in chat. The method fee is added to the buyer's total.

See Payment Link
A young person playing a game on a phone.

Game top-ups and digital products

Many small transactions, and the balance has to settle fast.

For a Rp 10,000 bill, the cheapest D+0 method is QRIS Realtime: the fee is Rp 220.

Two developers discussing in front of a work monitor.

SaaS and apps

Bills are created automatically by your system.

API and webhooks for automatic bills. Recurring Billing is on the way.

See Payment API
A teacher preparing an online class with a laptop and a phone camera.

Services, courses, and events

High-value bills for classes, services, or tickets.

Above Rp 314,300, Permata Virtual Account with its flat Rp 2,500 fee costs less than any QRIS.

Compare the fees

Photos: ANTONI SHKRABA production, RDNE Stock project, Mikhail Nilov, and Vanessa Garcia, via Pexels.

How it works

From bill to balance

  1. 01

    Create a bill

    From the dashboard or the API, with the payment method you choose.

  2. 02

    The buyer pays

    QRIS, a virtual account transfer, or an e-wallet from their phone.

  3. 03

    The bill is paid

    The dashboard updates and a webhook is sent to your server.

  4. 04

    Funds reach your balance

    H+0 – H+2, then withdraw to a bank or DANA.

See the full demo on the Payment Link page

FAQ

Frequently asked questions

Open the help and documentation · Contact us

Registration

Is SekaliPay Merchant a payment gateway?
No. SekaliPay Merchant is a payment acceptance platform registered as an Electronic System Operator with Komdigi.
How do I register as a merchant?
Create a SekaliPay account, verify your email and device, then sign in and open the Become a Merchant menu. Fill in your business details (business name, email, phone number, business type) and a settlement bank account in your name.
How long does merchant verification take?
1 to 2 business days. Our team checks your business and bank details manually. If something needs completing, you are told by email which part to fix.
Can I accept payments without a website?
Yes. Create a bill in the dashboard, then send its payment link to the buyer in chat. The buyer opens the link and pays with the method you chose for that bill.

Fees and methods

Is there a registration or monthly fee?
No. Fees are charged per transaction according to the method, plus Rp 3,000 per withdrawal to a bank account. There is no registration, monthly, integration, or minimum fee.
How much is the fee per transaction?
It depends on the method: QRIS from 0.7% + Rp 300, virtual accounts Rp 2,500 to Rp 4,700, and e-wallets 2.5% to 3.7%. The full list per method is on the Fees page. The binding fee is the one shown in the dashboard when a bill is created.
Which payment methods are available?
21 methods: QRIS (QRIS, QRIS Realtime, QRIS Sekalipay), 10 virtual accounts (BCA, BNC, BNI, BRI, BSI, CIMB Niaga, Danamon, Mandiri, Permata), and 8 e-wallets (AstraPay, DANA Realtime, GoPay, LinkAja, OVO, ShopeePay, ShopeePay Realtime, Virgo). Credit cards and retail outlet payments are not yet available.
Why does a payment method not appear on the checkout page?
Payment methods are disabled by default. Enable them in the dashboard under Settings, then Payment Methods. Only enabled methods are shown to buyers and accepted by the API.
How long is a bill valid?
30 minutes from creation. After that the bill expires and the buyer needs a new one.

Settlement and withdrawals

When do transaction funds reach my balance?
D+0 to D+2 after a successful payment, depending on the method. Once in your balance, you can request a withdrawal any time as long as the balance is sufficient and no other withdrawal is still being processed.
What are the withdrawal minimum and fee?
Minimum Rp 10,000 and maximum Rp 10,000,000 per withdrawal, counted on the net amount you receive. The fee is Rp 3,000 to a bank account and Rp 1,000 to DANA. Example: to receive Rp 100,000 in a bank account, your balance is debited Rp 103,000.
Why can't I make a withdrawal?
Check three things: your bank account is completed and verified, your balance covers the amount plus the Rp 3,000 fee, and no other withdrawal is still being processed. A new withdrawal can only be requested after the previous one completes.

Integration

Where do I get my API key?
Once your merchant account is active, the API key and secret key are in the dashboard under API Settings. The secret key is only revealed after PIN verification. Never store the secret key in client-side apps or code repositories.
What is a signature and how do I create one?
The signature proves a request came from you. In IP Whitelist mode, the signature is an HMAC-SHA256 over the raw JSON body with your secret key, sent in the X-Signature header. Send exactly the body you signed. The formula and code examples are in the documentation.
What is the difference between the callback URL and the return URL?
The callback URL receives the server-to-server webhook when a payment is confirmed. The return URL sends the buyer's browser back to your site after paying. Both are set in API Settings and can be overridden per bill through the callback_url and return_url fields.
Is there a sandbox for testing?
Yes, as an account mode. Turn it on in the dashboard under API Settings. The API key, base URL, and webhook URL are the same as production. Sandbox transactions are flagged is_sandbox and never enter your balance or revenue reports.

Registered with PSE Komdigi
023936.01/DJAI.PSE/06/2026

See legal status

Start accepting payments.

Sign up today. Once verification is done in 1 to 2 business days, you can send your first bill right away.

Become a MerchantAsk on WhatsApp