Frequently asked questions

No. SekaliPay Merchant is a payment acceptance platform registered as an Electronic System Operator with Komdigi.

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.

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.

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.

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.

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.

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.

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.

30 minutes from creation. After that the bill expires and the buyer needs a new one.

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.

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.

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.

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.

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.

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.

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.

Yes. SekaliPay Merchant is operated by PT Solusi Ekosistem Kreatif Asia and registered as an Electronic System Operator with Komdigi under number 023936.01/DJAI.PSE/06/2026. The registration can be checked at pse.komdigi.go.id.