OnlinePajak

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.

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

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

• Tax compliance software
• Invoice management
• E-faktur services
• Electronic tax filing
• Business banking solutions

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. 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).
2. 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.
3. 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

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core 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

Named customers7 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature7 records

Partnerships

Eight partnerships are on record, tiered flagship, core and supporting.

• Bank Central Asia (BCA)flagshipStrategic or Co-development PartnerIndonesia'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)flagshipOthersIndonesian 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.
• PeruricoreTechnology or IntegrationState-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 DigitalcoreTechnology or IntegrationSubsidiary of Peruri providing digital services. Authorized partner for digital signature and authentication solutions integrated with OnlinePajak platform.
• Bank IndonesiacoreTechnology or IntegrationIndonesia'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 SystemsflagshipOthersParent 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)coreOthersIndonesian government budget authority. Official integration partnership with OnlinePajak for government budget-related tax processing.
• KemenkominfosupportingOthersIndonesian Ministry of Communication and Informatics. Registered with ministry for digital services and electronic transaction compliance.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct 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

• Xx.com/OnlinePajak
• YouTubeyoutube.com/channel/UCD9TwNR_xKtCV6biOeHKy3g
• Facebookfacebook.com/onlinepajak
• LinkedInlinkedin.com/company/achilles-systems-pte-ltd
• Instagraminstagram.com/onlinepajak

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds7 records

Investors14 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OnlinePajak