Artajasa

What Artajasa does

PT Artajasa Pembayaran Elektronis (Artajasa) is an Indonesian payment system infrastructure provider founded on February 10, 2000, and headquartered in BSD City, South Tangerang. The company operates ATM Bersama, Indonesia's first and largest electronic payment switching network, connecting over 90 financial institutions across more than 80,000 ATMs nationwide. Its switching platform processes inter-bank transactions across ATM, mobile banking, internet banking, QRIS, and GPN debit channels, and extends cross-border to Malaysia (Paynet), Japan (JCB), and Saudi Arabia (Al-Rajhi) for remittance and cardholder transactions.

Artajasa's product portfolio is organized around four service lines plus a loyalty platform. Switching Services include ATM Bersama core, debit processing, B-Secure online transaction security, QR (QRIS), and cross-border modules. Payment Services include Bersama Billing (500+ billing providers), Bersama Top Up, Bersama VA Bank (virtual accounts), and Bersama H2H Bank. Settlement Services include BersamaKU (domestic and cross-border remittance) and Disbursement. Managed Services offer end-to-end outsourced channel and infrastructure provisioning including Smart EDC, ATM, CRM, internet/mobile/SMS banking, and acquiring/issuing. Bersama Loyalty provides a digital merchant loyalty management platform. The company is licensed by Bank Indonesia as a Payment System Infrastructure Operator, holds the National Payment Gateway Switching Institution License (2017), Money Transfer and E-money Issuer Licenses (2012), and ISO 27001 certification (2012), and co-founded the ASEAN Payment Network in 2006.

Artajasa earns revenue primarily through transaction fees on switching, payment, and settlement services, supplemented by managed services revenue from outsourced payment infrastructure for financial institutions. The company sells through direct enterprise sales to banks and non-bank financial institutions, supported by channel distribution through payment agents (PPOB, e-commerce, super-apps, modern retail). Pricing is quote-based and not publicly disclosed. The customer base spans 90+ banks and non-bank institutions, 500+ billing providers, and 140+ payment agents across telecommunications, multifinance, insurance, utilities, education, transportation, and donations, indicating broad-based demand across the Indonesian financial ecosystem.

Name

Artajasa

Legal name

PT Artajasa Pembayaran Elektronis

Website

https://artajasa.co.id

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

101–250 employees

Short description

Artajasa (PT Artajasa Pembayaran Elektronis) is an Indonesian payment infrastructure provider operating ATM Bersama, the country's largest ATM and inter-bank switching network connecting 90+ financial institutions, 500+ billing providers, and 140+ payment agents across multiple verticals.

Ownership category

akta.pro rank

Product category

Payment Infrastructure

NAICS

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

akta.pro primary industry

ATM Switching, Routing & Network Services (FSAMAOAD)

akta.pro secondary industries

ATM / Cash Access Network Schemes (FSAMAAAH), Cross-Border A2A & Bank Transfer Networks (FSAMAIAF), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)

Keywords

• Payment switching infrastructure
• Interbank transaction processing
• ATM network services
• Electronic payment solutions
• Bill payment aggregation

Headquarters

HQ city

Serpong

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Switching Services: Core switching infrastructure services connecting financial institutions enabling inter-bank transactions through ATM networks, real-time online transfers, and cross-border payments
2. Payment Services: Bill payment and top-up services processing transactions for over 500 billing providers and 140+ payment agents across telecommunications, multifinance, insurance, utilities, and other industries
3. Managed Services: Payment system and infrastructure provisioning and management services for banks and non-bank financial institutions including channel management, acquiring, issuing, switching, and payment infrastructure services
4. Settlement/Remittance Services: Cross-border and domestic money transfer services through banking infrastructure and remittance operators

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

Artajasa operates Indonesia's first and largest electronic payment switching network (ATM Bersama), connecting 90+ financial institutions through more than 80,000 ATMs and digital channels for interbank transactions, QRIS payments, bill payments, top-ups, virtual accounts, and cross-border remittances. The company also provides managed payment infrastructure (ATM/EDC/channel management, acquiring, issuing, and switching), and a digital loyalty program platform serving banks, non-bank financial institutions, billing providers, and payment agents.

Product overview

PT Artajasa Pembayaran Elektronis (ARTAJASA) is Indonesia's pioneer in electronic transaction infrastructure, operating as a payment system infrastructure network provider. The company offers a platform-plus-modules architecture centered on the ATM Bersama switching network—the largest payment network in Indonesia with over 90 connected institutions and 80,000+ ATMs. The product portfolio includes: (1) Switching Services (ATM Bersama, ATM Bersama Debit, B-Secure, QR, and Crossborder modules) for inter-institutional payment transactions; (2) Payment Services (Bersama Billing, Bersama Top Up, Bersama VA Bank, Bersama H2H Bank) for bill payment and top-up operations serving 500+ billing providers and 140+ collecting agents; (3) Settlement Services (BersamaKU, Disbursement) for international remittance and fund transfers; (4) Managed Services (Channel, Acquiring, Issuing, Switching, Infra Pembayaran) for outsourced payment infrastructure management; and (5) Other Services including Bersama Loyalty loyalty program management. Products are marketed under sub-brands ATM Bersama, Bersama ID, and various Bersama-prefixed modules.

Differentiator

Problem solved

Functional benefit

Brands

• ATM Bersama: Largest switching network supporting Indonesia's payment ecosystem enabling customer transactions across ATM, mobile banking, internet banking, QRIS, and GPN debit transactions
• Bersama ID
• BersamaKU
• Bersama Loyalty
• Bersama Billing
• Bersama Top Up
• Bersama VA Bank
• Managed Service
• Settlement Service

Products and services

• Switching Service - ATM Bersama Indonesia's largest payment switching platform enabling interbank transactions via ATM, mobile banking, internet banking, QRIS, and GPN debit, connecting 90+ financial institutions and 80,000+ ATMs.
• Payment Service - Bill Payment and Top Up Online bill payment and digital top-up aggregation platform serving 500+ billing providers and 140+ payment agents across multiple industries.
• Settlement Service - BersamaKU Remittance and Disbursement Cross-border and domestic money transfer and disbursement services routed through bank and remittance networks to cash and account-based recipients across multiple countries.
• Managed Service - Payment Infrastructure Outsourcing End-to-end payment channel and infrastructure provisioning including Smart EDC, ATM machines, CRM machines, internet banking, mobile banking, SMS banking, and direct debit, plus acquiring, issuing, and switching operations support.
• Other Service - Bersama Loyalty Digital loyalty program management platform enabling customer engagement and integrated loyalty ecosystem with merchant network on the Artajasa payment infrastructure.

Quantifiable outcome

• 80,000+ ATMs connected in Indonesia
• +4 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature9 records

Partnerships

Five partnerships are on record, tiered core.

• ASEAN Payment Network (APN)coreStrategic or Co-development Partner · 1 January 2006Artajasa co-founded ASEAN Payment Network in 2006, an initiative connecting payment switching companies across Southeast Asia for regional payment interoperability. Artajasa continues as an active member participating in cross-border payment standardization efforts including the George Town Accord.
• Paynet MalaysiacoreTechnology or IntegrationCross-border ATM network connection enabling Indonesian ATM cardholders to perform transactions at Paynet ATMs in Malaysia. Regional interconnectivity partnership part of ASEAN payment network integration.
• JCB International (Japan)coreTechnology or IntegrationInternational ATM network connection with JCB enabling cross-border transaction capabilities with Japan. Part of Artajasa's cross-border payment network expansion.
• Bank Al-Rajhi (Saudi Arabia)coreTechnology or IntegrationCross-border ATM connection launching in 2020 enabling Indonesian workers in Saudi Arabia to send money home through ATM Bersama network. Strategic remittance corridor partnership.
• Five Other ASEAN National Payment Networks (Malaysia, Singapore, Vietnam, Philippines, Indonesia)coreStrategic or Co-development PartnerSix ASEAN national payment networks signed the George Town Accord in October 2025 to establish a standards body for cross-border retail payments, creating seamless and secure technical and operational standards supporting over 538 million people.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Mastercard: Global card and payment network with cross-border switching and processing. Adjacent to Artajasa's ATM Bersama Debit and cross-border corridors in Indonesia.
• ACI Worldwide: Global real-time payment, switching, and fraud-management software vendor serving banks and processors. Comparable as a broader incumbent in payment switching infrastructure technology.
• Visa: Global card and payment network. Not a direct switching competitor in Indonesia but operates broader network, scheme, and processing capabilities overlapping Artajasa's debit and cross-border services.

Direct peers

• ALTO: Indonesian payment switching network operator jointly owned by several local banks. Competes directly with Artajasa in interbank switching and ATM/payment network services in the same domestic market.
• Jalin Pembayaran Nusantara: State-owned Indonesian payment switching operator serving HIMBARA (state-owned banks), one of Artajasa's largest customer segments. Directly competes with ATM Bersama on interbank switching and clearing.
• Rintis Sejahtera: Indonesian ATM and debit payment switching network operating the PRIMA network. Competes with ATM Bersama on interbank ATM connectivity and debit routing in Indonesia.

Regional players

• PayNet (Payments Network Malaysia): Malaysia's national payment switching network and Artajasa's cross-border integration partner. Comparable in scale and role to ATM Bersama within Malaysia's domestic switching ecosystem.
• NETS (Network for Electronic Transfers Singapore): Singapore's national electronic payments and ATM switching network. Closely comparable in business model to Artajasa within Singapore and a fellow ASEAN Payment Network participant.
• BancNet: Philippines' primary interbank ATM switching network and a fellow ASEAN Payment Network member. Comparable role in domestic ATM switching as ATM Bersama plays in Indonesia.
• PTEN (PromptPay / Payment Systems Thailand): Thailand's national retail payment infrastructure provider under Bank of Thailand. Comparable state-aligned payment switching role across Thailand and an ASEAN Payment Network partner.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/ATMBERSAMA
• Facebookfacebook.com/profile.php?id=100084925723428
• LinkedInlinkedin.com/company/artajasa-pembayaran-elektronis
• Instagraminstagram.com/artajasapembayaranelektronis

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 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 Artajasa