OnlinePajak
OnlinePajak is an Indonesian SaaS platform that automates tax compliance, invoicing, and transaction management for over 150,000 Indonesian businesses, serving SMBs through self-serve onboarding and large enterprises such as BNI, BCA, and Tokopedia through direct sales and bank-channel partnerships.
- Company typePrivate
- Founded2014
- HeadquartersJakarta, Indonesia
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What OnlinePajak does
OnlinePajak (operated by PT Achilles Advanced Systems) is an Indonesian SaaS tax-technology platform founded in 2014 that helps Indonesian businesses manage end-to-end tax compliance and transaction workflows. The platform unifies invoicing, e-signature, e-meterai (digital stamps), e-faktur (tax invoices), e-bupot (withholding certificates), and reconciliation in a single transaction module, and pairs it with electronic tax-payment processing for PPh 21, PPh 23, PPh 25, PPh 29, PPN, UMKM PPh Final 0.5%, and PBB, plus e-Filing for corporate and individual SPT. It holds official PJAP certification from Indonesia's Directorate General of Taxes (DJP) and is integrated with DJP/Coretax, Bank Indonesia payment rails, Peruri digital signatures, and ERP/accounting systems through two-way API.
The company's product surface has expanded beyond pure tax compliance into adjacent financial services: an invoice-financing product offers collateral-free working-capital facilities up to Rp2 billion with one-day disbursement, the OP Business Banking solution integrates with Bank Central Asia's Ocean platform, and an OPoints loyalty program drives engagement. Customer-facing delivery combines a self-serve freemium registration flow for SMBs, a direct enterprise sales motion for large corporates, and channel partnerships with tax consultants and banks. Marquee enterprise customers include BNI, BCA, Tokopedia, Amway, and Dana, with the platform reporting more than 150,000 companies served and over US$120 billion in invoice value processed.
OnlinePajak monetizes through SaaS subscriptions, transaction fees (credit-card processing at as low as 1.5%), and interest on invoice financing. The company is backed by Tencent, Warburg Pincus, Sequoia Capital, Altos Ventures, Alpha JWC Ventures, Peak XV Partners, Visa, and others, with cumulative disclosed funding of approximately US$48.8 million across multiple rounds. Operations are headquartered in Jakarta with a regional entity in Singapore (Achilles Systems Pte. Ltd.), and the platform is ISO 27001 and ISO 27701 certified and compliant with PCI DSS, GDPR, and Singapore PDPA.
OnlinePajak firmographics
Firmographics- Name
- OnlinePajak
- Legal name
- PT Achilles Advanced Systems
- Website
- https://online-pajak.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- OnlinePajak is an Indonesian SaaS platform that automates tax compliance, invoicing, and transaction management for over 150,000 Indonesian businesses, serving SMBs through self-serve onboarding and large enterprises such as BNI, BCA, and Tokopedia through direct sales and bank-channel partnerships.
- Ownership category
- akta.pro rank
OnlinePajak industry classification
Industry- Product category
- Tax Compliance Software
- NAICS
- Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121), Custom Computer Programming Services (541511)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Revenue Systems, E-Filing & Digital Tax Administration (BPAIADAO)
- akta.pro secondary industries
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Robotic Process Automation (RPA) Platforms (HDAEAHAB)
Keywords
Where OnlinePajak is headquartered
LocationHeadquarters
- HQ city
- Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices2 records
Markets served
OnlinePajak business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Subscription-based SaaS: OnlinePajak operates primarily as a SaaS subscription platform offering various tiers of service for tax compliance, transaction management, and business banking features. Fees vary by features and usage volume, with premium/subscription plans available for advanced features as described in their Terms & Conditions (Section B).
- Transaction-based Fees: The platform charges transaction fees for certain services including credit card payments (as low as 1.5% fee for payments and collections). Invoice financing services provide working capital solutions with associated financing costs.
- Invoice Financing Interest: Revenue generated from providing invoice-based working capital financing, offering limits up to Rp2 billion with flexible tenors. Users earn OPoints loyalty rewards from transactions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Credit card transaction processing at 1.5% fee rate for payments and invoice collections. |
| Subscription | Annual | Subscription plans with varying feature sets and volume tiers for tax compliance, invoicing, and business banking features. |
| Freemium | Monthly | Free account registration available with basic features. Premium paid features for advanced capabilities. |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels8 records
OnlinePajak product offering
Product offeringCore offering
OnlinePajak is a cloud-based tax technology platform that helps Indonesian businesses manage end-to-end tax compliance and business transactions. Its SaaS offering integrates with government systems (DJP/Coretax, Bank Indonesia, Peruri) to provide e-faktur, e-bupot, e-signature, e-meterai, multi-tax-type payment (PPh 21/23/25/29, PPN, UMKM, PBB), electronic SPT filing, ERP/accounting integrations, and invoice-based working capital financing.
Product overview
OnlinePajak is an Indonesian SaaS platform providing an all-in-one business transaction and tax management solution. The platform operates as a unified ecosystem combining core modules for Transaction Management (Invoice, e-Signature, e-Meterai, e-Faktur, e-BuPot, Reconciliation), Tax Payment (e-Billing for PPh 21/23/25/29, PPN/VAT, UMKM, PBB), and SPT Tax Return Filing (SPT Masa Badan, SPT Tahunan Badan, SPT Tahunan Pribadi). Integration capabilities connect to ERP and accounting software via API. OP Business Banking, integrated with Ocean by BCA, extends the platform with business banking services including invoice financing up to Rp2 billion. The platform is officially licensed by Indonesia's Directorate General of Taxes (DJP) as a Registered Tax Application Service Provider (PJAP) and integrated with the Coretax system.
Differentiator
Problem solved
Functional benefit
Products and services
- Transaksi (Transaction Management) Comprehensive transaction management module covering invoice creation, e-signature, e-meterai digital stamps, e-faktur tax invoices, e-bupot withholding certificates, and reconciliation for Indonesian businesses.
- Pembayaran Pajak (Tax Payment) Tax payment platform supporting PPh 21, PPh 23, PPh 25, PPh 29, PPN (VAT), Pajak UMKM PPh Final 0.5%, and PBB with integrated e-billing code generation for Indonesian businesses.
- SPT (Tax Return Filing) Electronic tax return filing system for SPT Masa Badan, SPT Tahunan Badan, and SPT Tahunan Pribadi, supporting corporate and individual taxpayers in Indonesia.
- Integrasi Otomasi (Automation Integration) Automation integration solution enabling two-way data synchronization between OnlinePajak and ERP/accounting software via built-in connectors and API for Indonesian businesses.
- OP Business Banking Business banking solution providing transaction automation, payment processing, tax management, and business collaboration via integration with Ocean by BCA, with financing limits up to Rp2 billion.
- Solusi Pembiayaan Invoice (Invoice Financing) Invoice-based business financing offering collateral-free working capital with disbursement within 1 business day, credit limits up to Rp2 billion, and flexible tenors up to 90 days for Indonesian businesses.
Quantifiable outcome
- Over US$120 billion in invoice value processed through the platform
- +5 more outcomes
Companies that use OnlinePajak
Customer profileNamed customers7 records
Segments7 records
Ideal customer profiles4 records
OnlinePajak technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature7 records
OnlinePajak partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered flagship, core and supporting.
- Bank Central Asia (BCA)flagshipIndonesia's largest bank by assets. Strategic co-development partnership creating 'Ocean by BCA x OnlinePajak Business Banking' solution. Enables BCA business customers to access OP Business Banking features including transaction management, tax payments, and business collaboration through Ocean digital platform. Partnership launched August 15, 2025.
- Directorate General of Taxes (DJP)flagshipIndonesian government tax authority. Official PJAP (Tax Application Service Provider) certification enabling OnlinePajak to provide official tax filing, e-faktur, and compliance services integrated with DJP/Coretax systems.
- PeruricoreState-owned enterprise (Perumda Percetakan Uang Republik Indonesia) providing digital signature and electronic stamp (e-meterai) services. Official partner enabling legally-valid digital signatures and stamps on OnlinePajak documents.
- Peruri DigitalcoreSubsidiary of Peruri providing digital services. Authorized partner for digital signature and authentication solutions integrated with OnlinePajak platform.
- Bank IndonesiacoreIndonesia's central bank. Official integration partnership enabling OnlinePajak to process tax payments through Bank Indonesia's payment systems and ID Billing infrastructure.
- PT Achilles Advanced SystemsflagshipParent company and operating entity of OnlinePajak. Registered PJAP (Penyedia Jasa Aplikasi Perpajakan) licensed by DJP. Provides the underlying tax application technology platform. Operated by PT Achilles Advanced Management.
- Directorate General of Budget (DJPb)coreIndonesian government budget authority. Official integration partnership with OnlinePajak for government budget-related tax processing.
- KemenkominfosupportingIndonesian Ministry of Communication and Informatics. Registered with ministry for digital services and electronic transaction compliance.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
OnlinePajak competitors and assessment
Company assessmentDirect peers
- ClearTax (Clear): ClearTax (now Clear) is India's leading tax compliance and e-filing platform serving individuals, SMBs, and enterprises with income tax, GST, and business tax automation—directly comparable to OnlinePajak as a digital tax administration platform for an emerging Asian market.
- Mekari: Mekari is one of Indonesia's largest business SaaS platforms offering accounting (Jurnal), HR (Talenta), CRM (Klikpaket), and e-invoicing solutions. Directly competes with OnlinePajak in the Indonesian SMB/enterprise SaaS compliance and transaction-management space.
- Accurate.id: Accurate.id is a leading Indonesian accounting and tax software SaaS targeting SMBs and accountants. Competes directly with OnlinePajak on tax compliance, invoicing, and accounting workflows for Indonesian businesses.
- BukuKas: BukuKas is an Indonesian fintech-SaaS platform providing bookkeeping, invoicing, and financial management for UMKM and SMBs. Adjacent competitor to OnlinePajak in the Indonesian SMB transaction-management market with overlapping fintech extensions.
Broad incumbents
- Avalara: Avalara is a US-listed global leader in tax compliance automation serving enterprises across sales tax, VAT, and indirect tax categories. Comparable as a broad incumbent in digital tax administration, though focused on enterprise and Western markets.
- Sovos: Sovos is a global tax compliance and regulatory software platform serving large enterprises with VAT, sales tax, and withholding automation. Comparable as a broad incumbent in the tax compliance SaaS space with similar regulatory-integration playbook.
- Vertex: Vertex is a global tax technology company providing indirect tax determination and compliance solutions for large enterprises. Comparable as a broad incumbent in the tax technology category serving complex multi-jurisdiction tax workflows.
- TaxJar: TaxJar (now part of Stripe) provides sales tax automation and e-filing for e-commerce businesses. Comparable as an adjacent SaaS in digital tax compliance and filings for SMB/enterprise merchants, with similar fintech-tax integration DNA.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
OnlinePajak social profiles
Digital presenceOnlinePajak compliance and trust
Trust signalCompliance7 records
OnlinePajak financial estimates
Financial estimateRevenue estimate
Valuation estimate
OnlinePajak leadership team
Management profileNumber of profiles
Profiles1 record
OnlinePajak funding detail
Funding detailFunding overview
Funding rounds7 records
Investors14 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OnlinePajak M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about OnlinePajak
What does OnlinePajak do?
OnlinePajak is a cloud-based tax technology platform that helps Indonesian businesses manage end-to-end tax compliance and business transactions. Its SaaS offering integrates with government systems (DJP/Coretax, Bank Indonesia, Peruri) to provide e-faktur, e-bupot, e-signature, e-meterai, multi-tax-type payment (PPh 21/23/25/29, PPN, UMKM, PBB), electronic SPT filing, ERP/accounting integrations, and invoice-based working capital financing.
Is OnlinePajak a public or private company?
OnlinePajak is a private company. It is classified as venture growth investor backed and is currently operating.
When was OnlinePajak founded?
OnlinePajak was founded in 2014. It employs 51 to 100 people.
Where is OnlinePajak based?
OnlinePajak is headquartered in Jakarta, Indonesia, in the Asia region.
How does OnlinePajak make money?
Three revenue lines are on record. Subscription-based SaaS are the primary driver. The others are transaction-based Fees and invoice Financing Interest.
Who are OnlinePajak's main competitors?
Direct peers on record are ClearTax (Clear), Mekari, Accurate.id and BukuKas. Broad incumbents are Avalara, Sovos, Vertex and TaxJar.
Does OnlinePajak have an API?
Yes. OnlinePajak offers API integration capabilities for connecting with ERP and accounting software. The platform enables two-way data synchronization without manual input, connecting to ERP and accounting software through built-in connectors or API. Integration with government systems including DJP (Direktorat Jenderal Pajak) for tax data retrieval and Coretax integration is available. The platform supports automatic synchronization for tax data including e-Faktur, SPT Masa PPN, and other tax documents. Developer documentation is at developer.online-pajak.com/docs/api-documentation.
What industry is OnlinePajak in?
OnlinePajak's product category is Tax Compliance Software. Its primary akta.pro industry code is BPAIADAO, Revenue Systems, E-Filing & Digital Tax Administration, with a secondary code of BPAMAFAF, Bill Pay, Invoicing & Payables Platforms. Its NAICS code is 54121 and its SIC code is 7370.