iPaymu: Comprehensive Payment Gateway Solution for Indonesia & Beyond

iPaymu is a robust digital payment aggregator designed to help businesses (especially within Indonesia) accept a wide range of local and international payment methods through a single integration. Whether you’re a small e-commerce store, a B2B marketplace, or an enterprise-level business, iPaymu offers flexibility, security, and adaptability to simplify payment acceptance and boost conversion rates.

What is iPaymu?

iPaymu is a Payment Gateway Aggregator as a Service, developed by PT Inti Prima Mandiri Utama, offering a unified platform to connect merchants with multiple payment service providers (PSPs). With one‑time integration, merchants gain access to domestic and international payment channels for online and offline payments.

Key highlights:

• Real-time settlement (H+0)

• Transaction insurance for both buyers and sellers

• PCIDSS certification, ensuring compliance with international security standards

• Officially registered under Indonesia’s Ministry of Communication and Informatics

Payment Methods & Features

Local Payments

iPaymu supports a broad suite of Indonesian payment methods:

• Instant Virtual Account for top‑up via major banks

• Convenience store payments (Alfamart, Indomaret)

• Cash-on-Delivery (COD)

• Direct Debit and QRIS support

• EDC/POS terminals with integrated card reader support

• Split Payment allowing funds to be split among multiple recipients

• Escrow services via escrow-safeguard accounts

• WhatsApp Payment Bot for automated customer follow-up

• Plugins for leading e-commerce platforms: WooCommerce, OpenCart, WHMCS, Moodle, PrestaShop, and more

International Payments

iPaymu also caters to cross-border needs:

• Credit and debit card processing (Visa, MasterCard, JCB)

• Cross-border accumulated settlement in local currency, ideal for international customers

Added‑Value Services

• Escrow & Transaction Insurance – secure buyer/seller protection

• Fraud Detection System (FDS) – proactive transaction monitoring

• Split‑Payment API – ideal for marketplaces and multi‑partner payouts

• Payment Links & WhatsApp Bot – streamline invoicing and reminders

• Digital cooperatives, reseller portals, QRIS soundbox, and reseller/dropshipper support for scaling merchants

Integration & Developer Experience

iPaymu is built with developers and non-technical users in mind:

• RESTful APIs for redirect payments, direct/one‑click payments, split payouts, and SSO

• No code integration options with fully featured plugins (WooCommerce, OpenCart, Moodle, etc.)

• SDKs and sample code in PHP, Node.js, Go, Python, .NET, Java to streamline onboarding

• Single API setup: support up to 150+ payment channels in one integration

This developer‑friendly environment helps startups and SMBs get running quickly, while giving technical teams the flexibility to build advanced checkout scenarios.

Merchant Experience & Dashboard

The iPaymu merchant dashboard is packed with tools:

• Real-time transaction tracking: status updates, reconciliation, settlement logs

• Instant withdrawal of funds from iPaymu wallet to merchant bank account

• Channel control: enable or disable optional payment methods on the fly

• Branded payment pages, reinforcing merchant identity during checkout

• Comprehensive reporting on settlement, dispute, and referral activity

Security & Compliance

Security is a core pillar:

• PCIDSS certified: handles full card‑payment compliance

• Fraud Detection System (FDS): real‑time fraud blocking

• Escrow and insurance layers minimize financial exposure

• Official oversight via Indonesia’s Kominfo ensures regulatory adherence

Use Cases & Success Stories

• Online merchants can deploy branded checkout pages with credit cards, VA, QRIS, or COD without developer support

• Marketplaces split payments automatically among vendors through split‑pay API

• Resellers and dropshippers track commissions and process payments at scale

• SMBs and cooperatives leverage QRIS Soundbox and API integration to modernize sales

• Service providers and freelancers issue payment links and manage reminders via WhatsApp

Merchants often cite up to 30% increase in conversion rates, thanks to easier checkouts and comprehensive method coverage.

Integrations: Plugin & API Ecosystem

• WooCommerce & WordPress plugin supports Subscriptions, Deposits, Pre‑Orders

• OpenCart, WHMCS, Moodle, PrestaShop plugins present no‑code integration

• SDKs and sample code for PHP, Node.js, Go, Python, .NET, Java make custom implementation seamless

• WhatsApp Bot automates payment collection and reminders via messaging apps

Conclusion

iPaymu is a feature-rich, agile, and secure payment gateway aggregator, perfect for Indonesian businesses aiming for hassle-free payment integration, enhanced conversion, and financial protection. With support for local channels like QRIS, convenience stores, POS, and global credit cards, alongside advanced capabilities like split payments, escrow, bots, and referral programs, iPaymu stands out as a top-rated gateway solution.