Pajak.io

What Pajak.io does

Pajak.io is an Indonesian cloud-based tax automation SaaS platform operated by PT Fintek Integrasi Digital and headquartered in Jakarta Pusat. It functions as an official PJAP (Penyedia Jasa Aplikasi Perpajakan) — an authorized Tax Application Service Provider designated by Indonesia's Directorate General of Taxes (DJP) under KEP-616/PJ/2019, KEP-710/PJ/2019, and KEP-431/PJ/2021. The platform automates e-Faktur (electronic tax invoice), e-Bupot Unifikasi (unified withholding tax certificate), e-Billing (tax payment code generation), and SPT Masa (periodic tax return) workflows for mid-market and enterprise Indonesian companies. Its core platform processes 1.5 million+ tax invoices monthly and serves more than 21 named enterprise customers including GoTo, Bluebird Group, PepsiCo, Generali, J&T Express, Lippo Group, Midtrans, and Diageo.

The platform is built on ISO 27001-certified cloud infrastructure with host-to-host API connections to DJP systems, SFTP batch processing, and plug-and-play ERP connectors for Accurate and Odoo, plus custom H2H integrations for SAP and proprietary systems. Notable technical differentiators include a separated PPh 21 dashboard for payroll data confidentiality, passphrase-based e-Faktur signing, real-time NPWP/NIK validation against DJP sources, a multi-entity NPWP dashboard, and 13 TPS end-to-end transaction processing speed. The platform is also Kominfo-registered as a Penyelenggara Sistem Elektronik (PSE) with registration ID 3842.

Commercially, Pajak.io operates an annual subscription model with three tiers — Starter (Rp 9,000,000/year, up to 500 transactions/month), Growth (Rp 14,400,000/year, up to 1,000 transactions/month), and custom-priced Enterprise — across two product lines (Pajak Perusahaan for corporate tax and Pajak Karyawan for PPh 21 employee tax), plus usage-based pricing for the KYC NPWP/NIK validation API. The GTM combines dedicated account-manager-led enterprise field sales (primarily via WhatsApp) with self-service SaaS onboarding for mid-market and channel-led acquisition through ERP partner app stores. The company has raised funding from Startup Studio Indonesia (2021, 2023) and Indigo by Telkom Indonesia (April 2023), and was founded in 2019 by Rayhan Gautama, Fadil Moestar, and Jefriansyah Hertikawan.

Name

Pajak.io

Legal name

PT Fintek Integrasi Digital

Website

https://pajak.io

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Pajak.io is a Jakarta-based cloud tax automation SaaS and official Indonesian DJP partner (PJAP) that automates e-Faktur, e-Bupot Unifikasi, e-Billing, and SPT Masa reporting for mid-market and enterprise Indonesian companies.

Ownership category

akta.pro rank

Product category

Tax Compliance Software

NAICS

Accounting, Tax Preparation, Bookkeeping, and Payroll Services (5412), Offices of Certified Public Accountants (541211), Other Accounting Services (541219)

SIC

Services-Business Services, Nec (7389)

akta.pro primary industry

Revenue Systems, E-Filing & Digital Tax Administration (BPAIADAO)

akta.pro secondary industries

Tax Return Filing, Processing & Assessment (BPAIADAC), Tax Planning & Personal Tax Optimization Tools (FSAGADAJ)

Keywords

• Tax automation software
• Electronic tax invoicing
• Withholding tax compliance
• VAT invoice management
• PJAP tax services

Headquarters

HQ city

Menteng Dua

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Pajak Perusahaan (Corporate Tax) Subscription: Annual subscription plans (Starter, Growth, Enterprise) priced based on transaction quota (e-Faktur + e-Bupot combined). e-Billing is unlimited and not counted toward quota. Pricing starts at Rp 9,000,000/year for up to 500 transactions and Rp 14,400,000/year for up to 1,000 transactions. Enterprise tier is custom-priced for transactions above 1,000/month.
2. Pajak Karyawan (Employee Tax) Subscription: Separate annual subscription for PPh 21 employee tax management, priced by number of active employees managed. Starter supports up to 500 employees, Growth up to 1,000 employees, Enterprise for above 1,000 employees with dedicated account manager, on-premise deployment, and SLA guarantee.
3. KYC Data Pajak (NPWP/NIK Validation) - Enterprise Flexible Pricing: Flexible enterprise pricing for NPWP/NIK validation services, billed per validation or via API integration. Pricing adjusted to customer needs for one-off checks, bulk validation, or API integration scenarios.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Pajak.io is a cloud-based tax automation SaaS platform, officially authorized as a PJAP (Penyedia Jasa Aplikasi Perpajakan) by the Indonesian Directorate General of Taxes (DJP), that automates e-Faktur, e-Bupot Unifikasi, e-Billing, and SPT Masa reporting for corporate tax compliance (Pajak Perusahaan) and offers a dedicated PPh 21 employee tax dashboard (Pajak Karyawan) and NPWP/NIK KYC validation (KYC Data Pajak) for Indonesian enterprises with multi-entity NPWP management.

Product overview

Pajak.io is a cloud-based tax automation SaaS platform for Indonesian companies, operating as an official PJAP (Mitra Resmi DJP). The platform follows a modular architecture with a core platform supplemented by discrete product modules. The core product encompasses the unified dashboard managing multi-entity NPWPs, while the product portfolio consists of: Pajak Perusahaan (corporate tax — e-Faktur + e-Bupot Unifikasi + e-Billing), Pajak Karyawan (dedicated PPh 21 employee dashboard), KYC Data Pajak (NPWP/NIK verification API), and Fitur SPT (embedded SPT Masa reporting). Integration is available via native plug-and-play connectors for Accurate and Odoo, host-to-host API for SAP and custom ERP systems, and SFTP for batch processing.

Differentiator

Problem solved

Functional benefit

Products and services

• Pajak Perusahaan (Corporate Tax) Pajak Perusahaan is the corporate tax subscription combining e-Faktur (electronic VAT invoice management), e-Bupot Unifikasi (unified withholding tax certificate management for PPh 4(2), 15, 22, 23/26), and unlimited e-Billing, with multi-entity NPWP management and multi-user access. Sold as tiered annual subscriptions (Starter up to 500 transactions, Growth up to 1,000 transactions, Enterprise above 1,000 transactions). Intended for Indonesian companies with corporate VAT (PPN) and withholding tax (PPh) obligations.
• Pajak Karyawan (PPh 21 Employee Tax Dashboard) Pajak Karyawan is a dedicated employee income tax (PPh 21) dashboard separated from the corporate tax dashboard to maintain payroll data confidentiality. It performs automatic PPh 21 calculation, generates 1721-A1 proof of deduction certificates, supports bulk employee data import via Excel, provides multi-user access control, and includes unlimited e-Billing for employee tax payments. Sold as annual subscriptions priced by employee count (Starter 500, Growth 1,000, Enterprise 1,000+). Intended for HR and tax teams managing Indonesian employee income tax obligations.
• KYC Data Pajak (NPWP/NIK Validation) KYC Data Pajak is a real-time NPWP and NIK validation service that verifies taxpayer name and address against official DJP sources for vendor, supplier, and employee onboarding. Supports one-off checks, bulk validation, and API integration under flexible enterprise pricing. Built on ISO 27001 security standards. Intended for banks, fintechs, payment gateways, e-commerce platforms, and enterprises performing high-volume KYC/KYB checks.

Quantifiable outcome

• 1.5 million+ tax invoices processed per month across the platform
• +3 more outcomes

Named customers22 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature9 records

Partnerships

Five partnerships are on record, tiered core and secondary.

• AccuratecoreTechnology or IntegrationAccurate (Akaunting Indonesia) is a primary distribution and integration partner. Pajak.io provides a plug-and-play connector available through Accurate Online Store. Integration enables automatic tax data synchronization without manual input, included without additional cost for Accurate users. The connector is marketed as one of Pajak.io's key differentiators.
• OdoocoreTechnology or IntegrationOdoo is a primary integration partner offering plug-and-play ERP connectivity. Similar to the Accurate integration, the Odoo connector enables automatic tax data synchronization for companies already using Odoo's business suite. No additional cost for integration setup.
• SAPsecondaryTechnology or IntegrationSAP integration is available via API/host-to-host connection. Used by enterprise clients such as GoTo Group for connecting SAP systems to Pajak.io's tax automation platform. Integration requires API configuration and is tailored per enterprise implementation.
• Paper.idcoreTechnology or IntegrationPaper.id is positioned as a complementary layer for invoicing and payment automation (best-in-class approach). Pajak.io focuses on core tax compliance while Paper.id handles invoice management and reconciliation. Mutual integration benefits companies needing both tax automation and invoicing workflows.
• FinnetcoreTechnology or IntegrationFinnet is the payment gateway partner enabling direct tax payment through Pajak.io using the generated ID Billing codes. This partnership allows automatic NTPN receipt and BPN generation without manual entry, keeping all tax payment data integrated within the platform.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Regional players

• HashMicro: Indonesia-based ERP/accounting suite with built-in tax modules. Provides an alternative path for Indonesian enterprises that prefer tax functionality bundled into a full ERP rather than as a standalone SaaS like Pajak.io.
• Jurnal: Mekari-owned Indonesian cloud accounting platform. Adjacent to Pajak.io's tax offering, primarily competing in bookkeeping while offering tax features via KlikPajak — overlapping on SMB/mid-market accounting workflows that pair with tax automation.
• Sleekr: Indonesian cloud accounting and payroll platform. Adjacent competitor for HR/payroll tax workflows — overlaps with Pajak.io's PPh 21 employee tax module on the same mid-market Indonesian HR buyer.

Direct peers

• OnlinePajak: Indonesian PJAP-authorized tax platform offering e-Faktur, e-Bupot, e-SPT, and tax calculation services. Directly comparable in product scope and target mid-market/enterprise Indonesian customer base.
• Paper.id: Indonesian invoicing and payment platform with overlapping tax compliance functionality. Currently positioned as a 'best-in-class' partner rather than a tax-exclusive competitor, but directly overlaps in e-Faktur workflows.
• KlikPajak: Mekari-owned Indonesian tax compliance platform offering e-Faktur, e-Bupot, and e-Billing services directly comparable to Pajak.io's core product. Competes for the same mid-market and enterprise Indonesian companies.
• Pajakku: Indonesian tax application service provider offering e-Faktur, e-Bupot, and e-Billing with similar PJAP authorization. Competes for the same Indonesian corporate tax compliance buyers that Pajak.io targets.

Broad incumbents

• Mekari: Larger Indonesian SaaS suite (accounting, HR, payroll) that owns KlikPajak and Jurnal. Competes indirectly by bundling tax compliance into a broader finance/HR stack, which can undercut Pajak.io's standalone subscription pricing.
• Avalara: Global tax compliance SaaS incumbent. Operates primarily outside Indonesia but represents the category-leading benchmark for tax automation platforms and is often cited in enterprise RFPs for multinationals operating in Indonesia.

Others

• Accurate: Indonesia's leading accounting software and a distribution/integration partner for Pajak.io. Adjacent rather than direct — Accurate owns the bookkeeping layer while Pajak.io layers tax compliance on top via the Accurate Online Store connector.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds3 records

Investors2 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 Pajak.io