Gajiku

What Gajiku does

Gajiku is an Indonesian HR and payroll technology platform operated by Singapore-registered Sampradaa Pte Ltd and headquartered in Jakarta. Founded in 2020, the company originated as Indonesia's pioneer Earned Wage Access (EWA) facilitator — enabling employees of partner companies to withdraw up to 50% of earned salary ahead of payday, with disbursement within 24 hours and a 3% per-transaction fee charged to employees. From 2021 onward, following backing from Sampoerna, Gajiku broadened into a full HRIS suite covering mobile GPS attendance (with fingerprint machine synchronization), digital payroll processing with automated PPh 21 and BPJS calculation, multi-level KPI management, expense reimbursement, a manufacturing-specific production monitor for piece-rate wage calculation, collateral-free employee loans, and in-app purchase of PLN tokens, mobile credit, and data packages.

The platform is delivered through two interfaces: an Android and iOS employee superapp distributed via Google Play and Apple App Store, and a web-based employer dashboard. Underlying technology is cloud-based and integration-oriented — connecting to physical attendance hardware, third-party payment processors for EWA disbursement, and employer payroll systems. The company layers certified payroll specialists and tax consultants onto the software stack, offering managed payroll outsourcing and tax health-check services that pure SaaS competitors do not replicate.

Gajiku's business model combines per-employee HR software subscriptions (pricing undisclosed publicly), a 3% EWA transaction fee, managed payroll service fees, and tax consulting retainers or hourly engagements. Distribution is hybrid: direct enterprise sales targeting HR and finance teams at Indonesian companies (with free demo CTAs and consultative selling), paired with a B2B2C bottom-up motion where individual employees adopt the app and advocate for it inside their organizations. The company serves 100+ Indonesian customers across manufacturing, pharmaceuticals, tobacco, logistics, F&B, and technology, including named enterprises such as Samator, Darya Varia Laboratoria, Sampoerna, Lotte, MPM, Shipper, Hangry, Majoo, and Bina Artha Ventura. Total disclosed funding is US$1.1 million in a seed round led by AC Ventures in January 2022.

Name

Gajiku

Legal name

Sampradaa Pte Ltd

Website

https://gajikuapp.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Gajiku is an Indonesian HR and payroll SaaS platform offering Earned Wage Access, payroll processing, attendance, KPI tracking, and managed tax services to 100+ Indonesian enterprises, with employee-facing mobile apps and a B2B2C distribution model.

Ownership category

akta.pro rank

Product category

HR & Payroll Management Software

NAICS

Payroll Services (541214), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121)

SIC

Services-Employment Agencies (7361)

akta.pro primary industry

Payroll Software & Payroll-as-a-Service (SaaS) (BPACAIAB)

akta.pro secondary industries

Managed Payroll Services (Full-Service Payroll Outsourcing) (BPAAAHAA), Pay Card Programs & Earned Wage Access (EWA) Administration (BPACAIAK), Earned Wage Access (EWA) & Salary Advances (FSAKAMAE)

Keywords

• Earned wage access
• Payroll processing software
• HR management platform
• Employee attendance system
• Financial wellness app

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. EWA Transaction Fees: Gajiku charges a 3% transaction fee on the total amount of salary withdrawn in advance by employees. This is the primary per-transaction revenue stream for the EWA product. The company explicitly states no interest is charged, only this transaction fee to maintain the system and improve services.
2. Payroll Outsourcing & Managed Services: Gajiku offers managed payroll services handled by their specialist team, covering end-to-end payroll processing from data verification through tax reporting. Revenue is generated through service fees for this managed offering, priced as a managed service contract.
3. Tax Consulting Services: Certified tax consultant services covering PPh 21/26 management, SPT Annual Badan preparation, and tax health checks. Offered as a retainer or per-hour engagement model, providing recurring professional services revenue.
4. HR Software Subscriptions: Core HR platform components including attendance, payroll, KPI, and reimbursement systems are offered as software subscriptions to employer companies. Pricing is likely per-employee or per-company, though specific tiers are not publicly disclosed.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Gajiku sells a cloud-based HR and payroll management platform to Indonesian enterprises, covering employee attendance (GPS and fingerprint), automated payroll with PPh 21 and BPJS calculation, multi-level KPI tracking, expense reimbursement, and production monitoring. It is paired with an employee mobile superapp that provides Earned Wage Access (up to 50% of earned salary within 24 hours at a 3% fee), collateral-free employee loans, and digital product purchases (PLN tokens, mobile credit, data) using earned wages. The company also offers managed payroll outsourcing and certified tax consulting services as adjunct professional services.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Trusted by 100+ Indonesian companies across diverse sectors
• +1 more outcomes

Named customers12 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature10 records

Partnerships

One partnership is on record.

• Payment Transaction Processing Service ProviderscoreTechnology or IntegrationGajiku uses third-party payment transaction processing providers to execute fund transfers from Gajiku to employee bank accounts for EWA withdrawals. These providers are referenced in the privacy policy as essential infrastructure partners enabling the disbursement of earned wages.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Talenta by Mekari: Indonesia's leading HR and payroll SaaS platform, owned by Mekari. Targets the same SMB and mid-market employer segment with payroll, attendance, and reimbursement features — the closest direct competitor to Gajiku's HRIS suite.
• Gadjian: Indonesian cloud-based accounting and payroll software targeting SMBs. Overlaps with Gajiku on payroll, PPh 21 calculation, and BPJS integration for the same Indonesian employer customer base.
• Wagely: Southeast Asia-focused Earned Wage Access platform operating across Indonesia, Thailand, and the Philippines. Directly competes with Gajiku's core EWA offering for the same Indonesian employee-employer segments with comparable fee-based revenue model.

Broad incumbents

• Mekari: Indonesia's broader SaaS suite provider encompassing Talenta (HR/payroll), Jurnal (accounting), Klikpajak (tax), and Mekari Sign. Competes with Gajiku across payroll, tax consulting, and expense management with materially larger funding and brand presence.
• Kredivo: Major Indonesian consumer fintech offering pay-later, loans, and digital financial services. Adjacent competitor in the employee financial wellness space — overlapping with Gajiku's EWA and employee loan features but serving consumers more broadly.
• ADP (Indonesia): Global payroll and HR services incumbent with an established Indonesian presence through ADP Streamline. Serves larger enterprise clients with comprehensive payroll outsourcing and competes for the same HR/payroll outsourcing RFPs that Gajiku's managed service targets.
• Workday: Global cloud HR and finance platform increasingly targeting Asia-Pacific enterprise customers. Competes for large enterprise HR/payroll deals and represents the upper-end threat as Indonesian mid-market customers mature.

Emerging players

• Cashpop: Indonesian EWA-focused fintech offering earned wage access to employees through partner employers. Direct overlap with Gajiku's EWA product with a more single-product, mobile-first positioning.
• PayActive: US-headquartered Earned Wage Access SaaS provider that white-labels its platform to employers and partners internationally. Comparable pure-play EWA infrastructure to Gajiku's EWA module, though Gajiku bundles EWA with broader HRIS functionality.

Regional players

• PayrollPanda: Malaysia- and Singapore-based payroll SaaS platform for SMBs. Comparable cloud-based payroll product offering for Southeast Asian markets — same product category, adjacent geography, useful benchmark for product/market trajectory.

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds2 records

Investors4 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 Gajiku