OY! exists to provide flexibility in managing financial needs by offering a world-class collaborative payment platform that is integrated and easy to use. As well as providing world-class financial services that are intuitive, fast, easy to use, and affordable for businesses, of any type and size.
OY! creates new products by refining existing systems, and provides the best business experience for all layers. Introducing a financial service designed to support businesses of all sizes, called OY! Business.
The main segmentation of OY! Business focuses on two pillars, namely the SME sector and Corporations. Here is a detailed explanation for you.
OY! Business is an advanced payment system that can be easily used by any small business owner, medium to large corporate scale. OY! The business is determined to improve the business efficiency and revenue of its users.
To improve business OY! Business offers from a dashboard that is useful to monitor all transactions, cash management, to disbursements. The dashboard is also used to organize the outflow of money more neatly and cost-effectively. OY! Business is divided into two scales, including:
More than 10,000 Small and medium enterprises across Indonesia have been connected to OY! Business. The solution to send and receive payments easily and accurately is supported by various types of payment methods through virtual accounts.
According to one of the MSME (Micro, Small Medium Enterprise) actors who has used OY! Business, the system is equipped with a dashboard that is user friendly, as well as support services that are very responsive and reliable.
With OY! For corporate or company scale business, you can shorten the time in transacting large amounts, because the process of sending and receiving payments is practical and instant. Transactions are received in real time and will immediately enter your OY!balance.
OY! Business is known by users as a reliable partner to assist users in providing various transaction conveniences.
OY! provide convenience for customers in carrying out daily transactions such as transfers to more than 100 banks and e-wallets in Indonesia. There is no daily limit on how many bulks can be executed, and there is also no limit on the total number of transactions per disbursement. Take advantage of the dashboard to check the Registered Account Number and the status of ongoing transactions.
You can also create invoices instantly, send invoices automatically and receive payments from various methods directly via the Oy API! Invoice.
Payment Link from OY! is a payment solution that can be tailored to your website or application. OY! supports payment by bank transfer, credit card, debit card, and QR code in the following list:
The registration process begins with creating an account that is 100% free of charge, and allows users to try a series of products for a trial or demo, where users can make mock transactions in the form of money in and money out like real money movements.
After successfully creating a demo account, if you are interested in going live (or running real money in and/or money out transactions) or integrating with OY!, then you are required to upgrade your account by submitting supporting legality documents.
Registration is done through OY! dashboard to create an account and complete the form with all the necessary information, or via OY! whatsapp number at +62 851-6309-6309. The following is a list of documentation that must be submitted.
For individual types of business (Micro, Small Medium Enterprise):
1. ID card (KTP)
For the Company's business type (PJSP):
1. Company Taxpayer Identification Number (NPWP);
2. Trade Business License (SIUP) / Company Registration (TDP) / Business Registration Number (NIB);
3. Decree of the Ministry of Justice and Human Rights;
4. Last Amendment Deed that was ratified;
5. Legalized Deed of Establishment of the Company;
6. Identity Card (KTP) of the Director;
7. Shareholder Structure;
8. License from Bank Indonesia or Otoritas Jasa Keuangan; And
9. Ratification of the Related Ministry.
Maximize the smoothness of the company's business by utilizing the targeted use of statistics on OY! Business. Through simpler bookkeeping, reconciliation of various banks is easier. All can be found on one platform.
Team OY! always quick to respond in helping various transaction activities of its users. Services that operate 24 hours 7 days, so you can transact anytime anywhere.
OY! integration Business is done with various partners such as Xero, Accurate and Journal which have the aim of overcoming the constraints of manual bookkeeping, which is often faced by the finance team of a business. In addition, there is an OY! API feature which can link the user's phone number to the DANA e-wallet.
OY! has a payment Link method, where users can use this link to send it to their customers which is available in various payment options such as e-Wallet, QRIS, Virtual Account, credit card, and debit card.
OY! difference with other company accounts. There is a refund (Claim Fund) process that can be done without knowing the customer's bank information. The refund process must go through the stages of approval in advance by superiors in the company, which is done quickly and efficiently.
OY! Indonesia has a variety of official licenses that guarantee its performance, for example, OY! is registered and supervised by Bank Indonesia, The Financial Services Authority, and registered as an Electronic System Operator at the Ministry of Communications and Information Technology of Indonesia. OY! also has international accreditation in the form of ISO 9001 Quality Management Certificate, ISO 27001 Information Security Management, and ISO 37001 Anti-Bribery Management.
Aspire provides a business account with the most variety of benefits in indonesia, which is an integrated solution to manage financial activities such as money transfer, card payments, expenses, debts, and receivables of your business.
Registration is easy in just a few minutes, through the Aspire website, mobile app and via Whatsapp at +62 811 1922 4870.
The requirements needed are very easy, you are only required to fill in the name field (in accordance with KTP and other official ID cards), email address and your active phone number in creating an account.
Speaking of benefits, the Aspire virtual business account provides many interesting facility options and promotions. Such as offering cashback of 1% for every transaction made with its corporate credit card at many merchants spread all over the world.
Aspire understands the needs of each line of your business, while answering the challenges of the digital era by creating an all-in-one platform that can improve your business performance faster.
Aspire provides businesses with fast, free local transfers and transparent upfront FX rates and zero fees for international transfers, thus opening doors for international business. Aspire business account enables you to send and receive international payments in 30+ currencies. It also offers market-leading FX rates with zero fees and provides businesses access to USD and IDR Virtual Accounts to scale globally.
Aspire Corporate Cards are powered by the MasterCard network and are widely accepted by more than 48 million merchants worldwide. The advantage is that you can avail them online, within minutes. The application also does not require a security deposit from your company, and you can avail unlimited virtual cards for your employees.
Aspire provides unlimited cashback on business expenses paid via the corporate card, with no monthly fees. Here is a list of some of the cashback benefits from Aspire:
a. 1% cashback for every business purchase at some of the most popular merchants throughout Indonesia and the world;
b. 1% cashback for digital marketing;
c. 1% cashback on travel and telecommunication; And
d. 1% cashback on business software.
Aspire has the advantage of smart invoice, which can receive payments faster with an integrated invoice system, so you can reduce client payment delays with automatic reminders, and get real time notifications for every incoming transaction.
In general, Aspire provides a more attractive banking solution for businesses by offering cashback, ease of payment, and ease of use of multifunctional corporate cards without the requirement of a security deposit from the company.