PT ALTO Network Payment Gateway

Company Overview & Heritage

PT ALTO Network, founded in 1993 and operational since 1994, is a prominent Indonesian interbank network and licensed National Payment Gateway (GPN) provider. Owned by Djarum since 2018–2019, its mission has evolved from ATM network management to delivering comprehensive digital payment switching services.

Headquartered in Jakarta, ALTO’s infrastructure connects over 100,000 ATMs and 1,000,000 EDC terminals across Indonesia. It services more than 40 issuing and acquiring banks, processing over 25 million transactions per month, including domestic debit, interbank funds transfers, and QRIS payments.

Role & Strengths as National Payment Gateway

Official GPN Licensing

PT ALTO Network is one of only four licensed switching providers integral to Bank Indonesia’s Gerbang Pembayaran Nasional framework. GPN ensures interoperability of domestic debit card networks, increases cost efficiencies for merchants and banks, and builds national financial sovereignty.

Robust Switching Infrastructure

PT ALTO Network’s payment gateway offers real-time switching, handling domestic debit and ATM transactions across banks and financial institutions. Transactions are completed within milliseconds, exhibiting sub-second processing across more than 120 connection links. This high-performance switching includes authorizations, clearing, and settlements.

Omnichannel Payment Coverage

• ATM and Debit Card Switching – ALTO manages domestic ATM interchanges and debit-visa-like systems under GPN.

• EDC/Point-of-Sale – It supports over a million POS terminals.

• QRIS – ALTO is key in processing QR-based payments and facilitates seamless QRIS cross-border transactions with partners like NETS (Singapore) and DuitNow (Malaysia).

• Digital Transactions – Covers e-commerce, card-not-present, and QR transactions.

• Cross-Border Remittance – ALTO supports outbound remittance capabilities too.

Strategic Partnerships & Technology Standards

Visa Collaboration

In 2021, PT ALTO Network and Visa formalized a collaboration to deliver globally standard processing for domestic debit-card transactions under GPN. This partnership enhances ALTO’s cybersecurity, operational efficiency, and risk management practices to Visa’s global standards. Bank Indonesia praised this initiative as key to supporting its 2025 national payment vision.

Fraud Monitoring via INETCO

PT ALTO Network uses INETCO Insight to monitor and analyze transactions in real time. This partnership helps ALTO detect and prevent card present and card-not-present fraud, processing message-level data, ISO 8583, card numbers, timestamps, terminal IDs, within milliseconds. This capability aligns with Visa security policies and builds customer and bank confidence.

QRIS & Cross-Border Collaboration

PT ALTO Network powers QRIS domestic rails and fosters international connectivity. With QRIS Cross-Border, Indonesian consumers can scan QR codes using local standards in partner countries such as Singapore and Malaysia. PT ALTO Network’s switching platform handles routing, conversion, and settlement in a secure, robust environment.

Other Collaborations

• Mastercard – Partnership to enhance debit security with added safety features.

• Finnet, Xendit – Integrated solutions for QRIS processing, broadening payment access via ALTO rails.

Key Features & Technical Specifications

Real-Time High-Volume Switching

• Reliable low-latency switching across ATMs, POS terminals, internet banking, mobile banking, and QR.

• Hundreds of links to member banks and hosts managed simultaneously; transaction timeframes are sub-second.

Compliance & International Standards

• ISO 8583 messaging for interbank transactions.

• PCI-DSS and Visa-level compliance via INETCO and Visa partnerships.

• Bank Indonesia-approved GPN implementation with domestic data localization.

End-to-End Fraud Detection

INETCO Insight provides visibility into key data fields, enabling rules-based alerting, analytics, and machine learning for proactive fraud defense.

High Availability & Resilience

Comes with SLAs targeting 99.9% uptime, backed by robust monitoring systems supplied by Visa, INETCO, and in-house IT frameworks.

Scalable & Interoperable

Accommodates 25 million monthly transactions across ATMs, EDCs, digital rails, and cross-border routes. Infrastructure scales with the growing adoption of QRIS and digital payment services.

Ideal Use Cases

Domestic Debit/ATM Switching

Banks and fintechs seeking fast, secure debit and ATM transactions within Indonesia’s GPN.

QR & EDC Acceptance

Retailers adopting QRIS domestically or offering multi-currency QR payments via cross-border flows.

Fraud-Sensitive Environments

Financial institutions and merchants needing millisecond fraud detection at transaction-level detail.

Digital-First Fintechs

Fintechs requiring off-the-shelf, compliant switching infrastructure without building internal systems from scratch.

Conclusion

PT ALTO Network is the trusted linchpin of Indonesia’s non-cash payment ecosystem:

• A GPN-licensed switcher managing millions of secure, compliant transactions monthly.

• Equipped with Visa and Mastercard-grade infrastructure and real-time fraud protection via INETCO Insight.

• Pioneering QRIS expansion and cross-border interoperability.

• Offers merchants, banks, fintechs, and PSPs a reliable, scalable, and regulated gateway for digital payments.