Netzme Kreasi Indonesia, PT

Name

Netzme Kreasi Indonesia, PT

Legal name

PT Netzme Kreasi Indonesia

Website

https://netzme.id

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Digital Payment Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Payment Gateways & Orchestration (BPAMAFAA), QR Code & Alternative In-Store Acceptance (QR, APMs) (FSAMADAH), QR Code Payments Wallets (FSAMAEAC), Payment Gateways & API Connectivity (FSAGABAB)

Keywords

• Digital payment platform
• QRIS payment processing
• Merchant payment solutions
• Mobile e-wallet services
• Bill payment services

Headquarters

HQ city

Dki Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. QRIS Transaction Fees (MDR): Netzme charges merchants a Merchant Discount Rate (MDR) of 0.7% per QRIS transaction, as mandated by Bank Indonesia. This is a transaction-fee model where the company earns a percentage of each payment processed through its QRIS network.
2. QRIS Soundbox Hardware Sales: Netzme sells QRIS Soundbox hardware devices (Static, Dynamic, Pro, Static Tap, Pro Lite variants) to merchants. Devices are provided with a refundable deposit (ranging from Rp100,000 to Rp350,000 depending on model), bundled with data packages and support services.
3. Data Package Fees: Monthly data package fees for QRIS Soundbox devices are charged to merchant balances. Fees range from Rp5,000/month (Static Tap) to Rp30,000/month (Pro Lite) depending on the Soundbox model.
4. PPOB Services (Pulsa, Data, Tokens, Bills): Netzme earns revenue from selling PPOB products including phone credit, data packages, PLN electricity tokens, e-money top-ups, and bill payments (Telkom, TV, Internet, BPJS, Multifinance, Taxes, PDAM, GAS). The company also offers cashback promotions (e.g., PROMAH with up to Rp750,000 monthly cashback) to drive usage.
5. Invoice Payment Fees: Merchants can create invoices through Toko Netzme with configurable admin fees (range Rp0-Rp7,500). Network earns a per-transaction fee on invoice-based payments.
6. Fund Transfer and Withdrawal Fees: Withdrawals from merchant Toko Balance to bank accounts are subject to admin fees. A special transfer fee of Rp4,500 applies for transfers to non-BNI banks. Cash withdrawals at ATMs are also supported for consumers without bank accounts.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels8 records

Core offering

Netzme operates a QRIS-based digital payment platform in Indonesia comprising the Toko Netzme merchant application, the Netzme Pay consumer digital wallet, and the proprietary QRIS Soundbox hardware device line. The platform enables electronic money issuance, fund transfers, QRIS payment acceptance across all major Indonesian e-wallets and banks, PPOB bill payments, and provides an Open API with 19 endpoints for enterprise system integration. The company holds three Bank Indonesia licenses covering electronic money, fund transfer, and QRIS transactions.

Product overview

Netzme Kreasi Indonesia operates a multi-product fintech platform comprising consumer and merchant-facing digital payment solutions. The core products are Netzme Pay (consumer digital wallet) and Toko Netzme (merchant POS application), supported by a hardware accessory line called QRIS Soundbox (available in Static, Dynamic, Pro, Static Tap, Pro Lite, and Dynamic POS variants). Additional offerings include TruLike social rewards, Trugames gamification, Mitra QRIS multi-branch management, Netzme Open API with 19 endpoints for system integration, and PPOB bill payment services. The platform enables QRIS-based payments across various e-wallets and banks, serving B2B, B2G, and community segments with over 2.5 million users and 150,000+ digitized merchants.

Differentiator

Problem solved

Functional benefit

Brands

• Toko Netzme: Mobile application for merchants to accept non-cash payments via QRIS and invoice
• Netzme Pay
• QRIS Soundbox Netzme
• Netzme Open Platform (API) SNAP BI

Products and services

• Toko Netzme Merchant-facing mobile application that enables registered merchants to accept non-cash QRIS payments, create single-use and multi-use invoices, manage multiple branches via Mitra QRIS, process PPOB bill payments (pulsa, data packages, PLN tokens, e-money top-ups, bill payments), and withdraw funds. Target users are Indonesian UMKM merchants and enterprise businesses.
• Netzme Pay Consumer-facing digital wallet application that allows users to scan any QRIS code from any Indonesian e-wallet or bank, pay bills, transfer money, purchase pulsa and data packages, top up e-money, and earn TruLike rewards and Trugames balance. Target users are individual consumers in Indonesia seeking digital payment and bill payment services.
• QRIS Soundbox Static Hardware device that provides real-time voice confirmation for QRIS static payments, with transaction amount display and frequency counter. Sold to merchants with a Rp100,000 refundable deposit and Rp5,000 monthly data package fee.
• QRIS Soundbox Dynamic Advanced hardware device supporting static QRIS, dynamic QRIS, QRIS Tap (NFC), and Open API integration for POS systems, with dynamic screen display for various QRIS transaction types.
• QRIS Soundbox Pro Premium hardware device with keypad, supporting static QRIS, dynamic QRIS, QRIS CPM, and QRIS TAP with Open API integration for enterprise merchant use.
• QRIS Soundbox Static Tap Entry-level hardware device supporting QRIS static and NFC tap payments with voice notification, transaction display, Rp100,000 refundable deposit, Rp5,000 monthly data fee, and 1-year warranty.
• QRIS Soundbox Pro Lite Mid-range hardware device with keypad, dynamic QRIS capabilities, and Open API integration, requiring Rp350,000 refundable deposit and Rp30,000 monthly data package with 1-year warranty.
• QRIS Soundbox Dynamic POS (Olsera) Specialized hardware device designed for integration with Olsera POS systems, supporting dynamic QRIS payments with POS connectivity and Rp180,000 refundable deposit.
• Netzme Open API Integrated API platform with 19 functional endpoints covering Toko Netzme and Netzme Pay services, enabling system-to-system integration for transfers, balance information, account mutations, and transaction history. Documentation available under NDA.
• Mitra QRIS Multi-branch management capability within Toko Netzme allowing merchants to integrate all business branches, monitor transactions per branch, and withdraw funds from each branch separately. Supports over 100 branches and 2,500+ cashier terminals.
• TruLike Gamified engagement feature within Netzme Pay where users earn TruLike points by posting creative content, redeemable for shopping or payments within the Netzme platform.
• Trugames In-app gamification feature within Netzme Pay offering games including Surprise Box, 90s nostalgia games, and quizzes where users earn additional balance rewards.
• PPOB (Payment Point Online Bank) Bill payment service within Toko Netzme and Netzme Pay covering pulsa, data packages, PLN tokens, digital vouchers, e-money top-ups, telecom bills, cable TV, internet, BPJS Kesehatan, multifinance, taxes, PDAM, and gas payments.

Quantifiable outcome

• Spontaneous consumer purchase opportunity increases by 99% for merchants using QRIS Soundbox Pro
• +2 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature8 records

Partnerships

14 partnerships are on record, tiered core, major and minor.

• Bank Indonesia Kantor Perwakilan DKI JakartacoreStrategic or Co-development Partner · 14 August 2024Bank Indonesia's Jakarta regional office collaborates with Netzme and Dinas PPKUKM on the QRIS Soundbox Jakpreneur program, providing regulatory oversight and policy support for QRIS adoption among Jakarta UMKM merchants.
• Dinas Perindustrian, Perdagangan, Kopi dan Usaha Mikro (PPKUKM) / JakpreneurcoreStrategic or Co-development PartnerJakarta's Department of Industry, Trade, Cooperatives and UMKM runs the Jakpreneur program in collaboration with Netzme and Bank Indonesia, deploying QRIS Soundbox devices to digitalize Jakarta's UMKM merchants.
• Bank Indonesia Kantor Perwakilan NTBcoreStrategic or Co-development PartnerBank Indonesia's West Nusa Tenggara regional office partnered with Netzme and PT Xpolorin ITDC Nusantara to provide QRIS payment infrastructure and monitoring services for UMKM merchants at the Lombok Sumbawa Fair during the World Superbike event.
• OlseracoreTechnology or IntegrationOlsera, a POS (Point of Sale) system provider, integrates with Netzme's QRIS Soundbox Dynamic POS, enabling merchants using Olsera's POS software to accept QRIS payments through Netzme's infrastructure. Dedicated Soundbox terms and conditions exist for this integration.
• TokopediamajorChannel Partner/ Reseller/ DistributorTokopedia serves as a marketplace reseller for QRIS Soundbox Netzme products, making the hardware accessible to Tokopedia's large merchant base in Indonesia through the Tokopedia storefront (qrco.de/NETZMETOKOPEDIA).
• Persija JakartaminorStrategic or Co-development PartnerPersija Jakarta (Jakarta's professional football club) partnered with Netzme to launch the Persija Apps (beta) loyalty program, enabling fans to use digital payments and access exclusive club content through the Netzme platform.
• Grosir OneminorGTM or Marketing PartnerGrosir One is listed as a collaboration partner in Netzme's partner ecosystem, suggesting a go-to-market or referral relationship for reaching wholesale/trade merchants.
• Pasar JayaminorGTM or Marketing PartnerPasar Jaya (Jakarta's market management corporation) collaborates with Netzme to deploy QRIS payment solutions in traditional markets under their management.
• DreamwellminorGTM or Marketing PartnerDreamwell is listed as a collaboration partner in Netzme's partner ecosystem on the homepage logo section.
• KitabisaminorGTM or Marketing PartnerKitabisa (Indonesia's leading crowdfunding platform) is listed as a partner, suggesting integration or co-marketing for donation/payment services.
• BNI (Bank Negara Indonesia)majorTechnology or IntegrationBNI is a payment bank integrated with Netzme's platform, enabling QRIS transactions and fund transfers. No MDR fee is charged for transfers to BNI bank accounts.
• INVASMA (ISI)minorGTM or Marketing PartnerINVASMA (ISI - Indonesia Software Industry Association) is listed as a partner, potentially supporting technology ecosystem and software industry collaboration.
• New HijraminorGTM or Marketing PartnerNew Hijra is listed as a collaboration partner in Netzme's ecosystem on the homepage logo section.
• SibayarminorChannel Partner/ Reseller/ DistributorSibayar is listed as a partner, potentially serving as a sub-agent or reseller network for Netzme's QRIS and PPOB services in East Indonesia.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Xendit: Indonesia- and Southeast Asia-focused payment gateway and fintech infrastructure provider. Comparable because both serve Indonesian merchants with payment acceptance, Open APIs, and multi-channel integrations targeting the same digital economy.
• Midtrans: Indonesian payment gateway operated by GoTo/Gojek. Comparable because it offers QRIS payment processing, merchant APIs, and serves Indonesian UMKM and enterprise merchants with overlapping developer-first distribution.
• DANA: Major Indonesian e-wallet and QRIS payment platform. Comparable because DANA is a directly licensed QRIS PJP competing for the same merchant and consumer base in Indonesia with similar PPOB-adjacent services.
• OVO: One of Indonesia's largest e-wallets and QRIS payment platforms. Comparable because OVO accepts and processes QRIS across the same Indonesian merchant network that Netzme serves, with overlapping B2B merchant acquisition.
• Cashlez: Indonesian payment solutions provider offering mPOS and QRIS acceptance for merchants. Comparable because Cashlez targets the same UMKM merchant segment with hardware + software payment bundles similar to Netzme's Soundbox line.

Broad incumbents

• GoPay (Gojek): Indonesia's largest super-app e-wallet, owned by GoTo. Comparable because GoPay is the dominant QRIS-accepting wallet in Indonesia and competes with Netzme Pay for both consumer wallet share and merchant acceptance.
• ShopeePay: E-wallet operated by Sea Group/Shopee Indonesia. Comparable because ShopeePay is one of the largest QRIS-accepting wallets competing for Indonesian merchant mindshare alongside Netzme's Soundbox deployments.

Emerging players

• Moka POS: Indonesian cloud POS and integrated payments platform (now part of Gojek/GoTo). Comparable because Moka serves SMB merchants with POS + QRIS acceptance, an overlapping product bundle and target customer with Netzme's Toko Netzme.
• iSeller: Indonesia-focused POS and payment platform for SMEs. Comparable because iSeller competes for the same small-merchant segment with QRIS acceptance and integrated payment hardware — directly overlapping with Netzme's UMKM value proposition.

Others

• Artajasa: Indonesian payment switch and network operator. Comparable because Artajasa is one of Netzme's listed infrastructure partners (Jalin/Alto/Artajasa switching) — relevant as an adjacent enabling layer that supports Netzme's QRIS transaction routing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/netzmeofficial
• YouTubeyoutube.com/@NetzmeTVOfficials
• Facebookfacebook.com/netzmeofficial
• LinkedInlinkedin.com/company/netzme-id
• Instagraminstagram.com/netzmeofficial
• TikToktiktok.com/@netzmeofficial

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 Netzme Kreasi Indonesia, PT