Espay

Espay Payment Gateway Overview for Merchants

Espay is an Indonesia-based payment gateway product that supports payment acceptance for online and offline merchant use cases, alongside money-out capabilities such as payouts. Espay is positioned for businesses operating direct-to-consumer and B2B models, and also supports a B2C2B flow where funds can be distributed to business partners after collection. The platform includes online payment acceptance, onsite payment tools for in-store and counter environments, and optional services such as chargeback protection.

Espay Overview

Espay is a payment gateway product launched by PT Lintas Usaha Sukses (PT PLUS) in Indonesia and is registered with Bank Indonesia as a payment gateway organizing company. Espay is also presented as supporting both payment acceptance (money in) and payment distribution (money out) to support end-to-end business payment flows.

Core Payment Acceptance Products

Online Payment Acceptance

Online Payment is designed for ecommerce and platform use cases, with a focus on host-to-host integrations and automated reconciliation. Key characteristics include:

• Instant payment notifications to a merchant system after successful payment.

• A portal experience for accessing transaction reporting and host-to-host status updates for reconciliation.

• Multiple integration paths, including payment links, plugins, and APIs.

Espay also includes a B2C2B concept for businesses that need to accept payments from customers and automatically distribute funds onward to business partners.

Onsite Payment and POS Use Cases

Onsite Payment targets in-store and counter payments and supports environments where a merchant needs to simplify reconciliation at the payment level. Espay describes onsite acceptance through a mobile application and EDC, and highlights POS-related flows such as:

• Integration with retail cashier POS machines and multiple payment channels to support real-time reconciliation.

• Remote payment scenarios where a store can send payment instructions to offsite customers and centralize sales reporting.

• Cash on delivery style collection in which billing and payment can be handled onsite.

Supported Payment Methods for Customers

Espay presents a broad set of payment methods commonly used in Indonesia. The platform’s published pricing schedule and documentation describe support for:

• Virtual account transfers (bank transfer category)

• Credit cards (Visa, MasterCard, JCB, American Express are explicitly referenced in documentation)

• QRIS (QR code payments)

• E-wallets (including GoPay, DANA, ShopeePay, OVO, LinkAja on the published fee page)

• Direct debit and instant debit methods (method-specific options are listed on the fee page)

• Over-the-counter payments (cash-based payments via offline channels)

• Paylater (buy now, pay later)

Because method availability can be program-specific, merchants typically evaluate which channels match their customer base and operational requirements.

Checkout and Billing Flows

Espay describes multiple ways to initiate and collect payments:

• Payment Links: A payment link flow that allows accepting payments without requiring a website or app, including sending invoices and catalogs via email or WhatsApp.

• QR Payments: QRIS support aligns with QR-based checkout experiences.

• Saved Card and Auto-Debit Flows: Credit card tokenization is described as converting sensitive card data into a token for repeat payments without re-entering card details.

• Invoice-Oriented Capabilities: Espay’s broader ecosystem includes invoice-focused tooling through Tagih.id documentation, including the ability to send multiple invoices in a single request (up to 500) and receive payment notifications.

Developer and Integration Options

Espay’s documentation set covers several integration approaches and operational requirements:

API-Based Integrations

Espay provides API documentation for payment flows, including direct API patterns and optional APIs. Documentation includes:

• Payment notifications (callbacks) and guidelines for registering notification URLs.

• Production and sandbox endpoints for certain APIs.

• Security and request validation mechanisms using signatures, with cryptographic algorithms referenced (RSA and SHA-256).

Plugins for Ecommerce Platforms

Espay provides ecommerce plugins intended to simplify integration without requiring a programming background. Plugin documentation is available for platforms such as:

• WooCommerce

• Magento

Espay also describes plugins as available for additional platforms (for example, PrestaShop is referenced among plugin options).

Hosted and Embedded Experiences

Espay’s documentation references connecting to payment pages and host-to-host payment flows, including an Espay checkout page approach used alongside direct APIs. This supports implementation patterns where merchants prefer a hosted checkout experience over fully custom UI.

Settlement and Funds Flow

Espay describes settlement and fund routing as dependent on the integration model:

• Aggregator model: Documentation states settlement on H+3 working days after a successful transaction, within a specified time window (14:00 to 17:00 WIB).

• Direct model: Documentation states real-time settlement to the merchant account after successful payment.

Pricing and Fees

Espay states there is no registration fee and no monthly fee, with charges applied on a per-transaction basis. Espay publishes a fee schedule that lists pricing by payment method. Examples include:

• Virtual account: a fixed fee range per transaction

• Credit card: a percentage plus a fixed fee per transaction

• QRIS: a percentage fee per transaction

• E-wallets: percentage fees by wallet type

• Over-the-counter: a fixed fee per transaction

• Paylater: a percentage range per transaction

Because this schedule is method-based, a merchant’s effective blended cost depends on the payment mix customers actually use.

Risk Management and Chargebacks

Espay offers an optional chargeback protection service described as leveraging AI, machine learning, and real-time data analysis, provided in collaboration with Riskified. The service is positioned to:

• Analyze transactions in real time to assess chargeback risk before processing.

• Provide protection coverage for transactions that are accepted into the program.

• Charge fees on a per-transaction basis for transactions analyzed, with the merchant able to choose whether to analyze some or all transactions.

This capability is relevant for merchants with card acceptance and chargeback exposure, especially in segments with elevated dispute rates.

Compliance, Licensing, and Security Controls

Espay presents multiple regulatory and certification signals relevant to merchant due diligence:

• Licensing and registration with Bank Indonesia as a payment gateway organizing company, with letter references and numbers presented in Espay documentation and licensing materials.

• PCI DSS Service Level 1 is explicitly referenced for credit card privacy and security.

• ISO-related signals are presented through ISO 9001 and ISO 27001 references on Espay pages, alongside certification labels for Quality Management System (QMS) and Information Security Management System (ISMS).

• The documentation includes security concepts such as request signatures and validation for transaction integrity.

Merchants typically map these controls to their own risk, compliance, and audit requirements, especially when card payments and customer data flows are in scope.

Payouts and Money-Out Capabilities

Beyond acceptance, Espay describes payout functionality for distributing funds to business partners:

• Non-cash payouts via bank accounts and e-wallets.

• Cash payouts via offline channels such as minimarket outlets or ATMs.

• Real-time disbursement capability via API across Indonesia.

• Additional features described for payout operations include escrow, BI Fast and GPN network references, sandbox API integration, online verification, and online real-time reporting and reconciliation.

• A 24/7 service statement is included within the payout feature list.

These functions can be relevant for marketplaces, gig platforms, and businesses needing supplier or partner disbursements.

Onboarding, Support, and Partner Programs

Onboarding Timeline

Espay describes a process that includes administrative and legal due diligence (including document checks and risk identification) and a technical phase involving integration and sandbox testing. The administrative and legal stage is described as taking approximately 2 to 3 working days.

Support Channels

Espay publishes contact channels such as phone and email. Support expectations can also vary by program, especially where settlement and channel activation require operational coordination.

Conclusion

Espay is a payment gateway offering designed around Indonesia payment acceptance across online and onsite channels, with published support for methods including virtual account transfers, cards, QRIS, e-wallets, paylater, and cash-based over-the-counter options. Espay also provides API documentation, plugin-based integrations for common ecommerce platforms, tokenization for repeat card payments, and operational tools such as payment notifications and reconciliation via portal.