DID YOU KNOW…
That Indonesia is the
in the world?
SOURCE : MASHABLE.COM/2012/11/01FACEBOOKSALES
INDONESIA – KEY TRENDS
Increasing Middle-Class Wealth
Stable economic growth of 6%, personal spending levels
rising by 10%/year.
Mobile-First Internet Market
Intense competition between mobile companies is pushing
prices down and raising consumer awareness.
149 Million Internet Users by 2015
Internet penetration in Indonesia is projected to double within
the next 2 years.
INDONESIA – MOBILE INTERNET
Source: Yahoo & TNS Global, 2013
Source: eMarketeer, 2013
INDONESIA – KEY STATS
INTERNET USER 2013
Trust level relatively still low towards online shopping.
The average shopper spends between Rp. 200 K – Rp. 500 K.
Not many online payment options. Although credit card purchases are
unpopular, ironically majority of establishments strictly provide payment
via credit card. Only a handful of banks possess online payment facilities
Majority of ecommerce websites are not mobile ready, yet smartphones
and accessing the internet via mobile device have been increasing
Currently, only 3 providers are prepared to support the logistics system
needed for online shopping. This can cause shipping difficulties for the
Companies have to face mix of complex bureaucracy and lack of
regulation in this fast-growing sector.
INDONESIA – ECOMMERCE PAYMENT
Source: Direktorat e-Bisnis Ditjen Aplikasi Informasi Komenkoinfo 2012
INDONESIA – DEBIT vs CREDIT
in July 2013
CREDIT CARD PENETRATION
in July 2013
“There are 4 TIMES as many Debit Cards than Credit
Cards in Indonesia!”
Source: Indonesia Credit Card Association, 2013
Source: Merdeka.com, 2013
INDONESIA – ONLINE PAYMENT
150 Banks in Indonesia
Indonesia is an archipelagic country.
Has more than 150 banks (International, local and regional Bank) all over
Indonesia, as well as a “popular” bank within each city.
<7 Banks Ready for e-Commerce
Less than 7 banks are ecommerce ready.
Even then, such payments can only be made between those that have an
account in the same bank. The difference between an online buyers – sellers
(merchant) banks for ecommerce causes problems.
It is not easy to become an ecommerce merchant partner/having a merchant ID
from the bank, whether for credit card services or debit transactions. Only
webstore merchants with a reputable name is provided access, while new
webstores or start ups tend to be difficult getting a merchant ID from the Bank.
Indonesia’s Internet and mobile use is growing exponentially while ecommerce
players continue to increase and compete trying to grab a foothold in
The current issues affecting Indonesia’s online ecosystem
be handled with subtle care as more and more non-bank online payment
provider arise such as
provide ease for online payment to help support the growth of
CONNECTED WITH MORE THAN 137 BANKS.
through ATM Bersama, Prima, Plus, Link and Meps networks.
Includes both local and foreign major Banks in Indonesia.
PAYPAL OFFICIAL PARTNER
CONNECTED WITH PT POS INDONESIA
with more than 4000 outlets throughout Indonesia.
How can you get an
As easy as 1… 2… and…
Make sure you have the
correct Bank Name,
Account Name and Account
For more information, go to: https://ipaymu.com/cara-daftar/
DONE!... You have Your own Ipaymu Account!
After filling out the registration form, you
IPAYMU’s VIRTUAL ACCOUNT
then you can start doing transaction
using all the services such as
Debit/e-wallet, Escrow &
For more information about your Account Status, go to:
As a member, with 1 IPAYMU
account, you can instantly get
benefit as a Merchant for those
who own a webstore.
with an IPAYMU Account,
ALL MEMBERS (buyers)
MERCHANTS (sellers) as well.
Transaction Menu for IPAYMU Member.
“You can be a BUYER &
a MERCHANT (seller) with
1 (one) IPAYMU account”
BENEFITS FOR USER (BUYER)
Simple & Secure Payment!
Easy & Real-Time Top Up
Fast & Easy Online Transaction
IPAYMU – USER TOP UP
“Easy & Real-Time Top Up from 137 Banks”
(only for CIMB Niaga)
“Secure Your Payment – Guarantee Your Online Transaction”
Service fee is 2% from the price of the product.
IPAYMU Escrow System send TV payment
from “A” after confirmation from “ABC”
store. Escrow Transaction is successful.
IPAYMU Escrow System
purchased from “A”.
Online Store “ABC”
sells TV at a price of
Buyer Member “A” placed TV payment.
Payment is suspended in IPAYMU Escrow system.
In this case, the 2% Escrow fee (Rp 1.000.000,- + 2%)
is charged to “A”.
Buyer Member “A” agree to purchase
TV at “ABC” Online Store.
Buyer Member “A”
purchases using Escrow
service, to make sure the
item is received before
“ABC” Online Store make TV delivery
purchase to “A”.
“A” confirmed the TV has been received from “ABC”
store via email that has been provided by the IPAYMU
IPAYMU Escrow Service
could only be used
IPAYMU – ESCROW
Escrow Service is a guarantee service from IPAYMU, customer can use IPAYMU
ESCROW as an independent guarantor in every transaction conducted by the
merchant’s online store.
1. REGULAR ESCROW IPAYMU
An integrated Escrow Service with IPAYMU member account.
As a member, you will receive Escrow Service benefits.
Regular Escrow service fee is 2% from the price of the product (charged to buyers).
2. PREMIUM ESCROW IPAYMU
Premium Escrow Service that could be set up according to your needs.
Merchant can adjust the Escrow Service as needed.
Fees will become profit for the Merchant.
IPAYMU – PREMIUM ESCROW
For more information about Escrow Premium, please click:
IPAYMU – WHAT IS AFFILIATION PROGRAM?
Affiliation or Referral Program is a program that we offer to IPAYMU
Upon becoming an IPAYMU member, merchant partners can immediately
participate in IPAYMU Affiliation/Referral Program where IPAYMU will give
referral link that could be accessed by member merchant.
IPAYMU Affiliation/Referral Program gives all member a chance to receive
commission by recommending others to register on the website as an
Merchant member will receive commission up to Rp. 25.000,- for every
member with verified status or those who have Top Up and registered from
the Referral website.
IPAYMU – AFFILIATION
IPAYMU Affiliation or Refferal program gives all IPAYMU members a chance to get commission
up to Rp. 25.000,- for every new member (those with Verified status or have Top Up
deposited Rp.100.000,-) who registered with IPAYMU through the referring website.
1 – 10.000
10.001 – 30.000
With only 50.000 new IPAYMU member, you will have a chance to receive Rp 900.000.000,-.
Let’s promote IPAYMU through link Referral on your website and make sure they register now!
IPAYMU – AFFILIATION PROGRAM
IPAYMU member will receive
confirmation from Affiliation
Program through their Referral
web link for every member
Commission fee will instantly
issued to merchant member
after new member’s Top Up
deposit of Rp. 100.000,(Verified Status)
IPAYMU – MOBILE APPLICATION