What Otto Digital Group does

OttoDigital is an Indonesian integrated digital business platform that combines payment acceptance, point-of-sale, loyalty, ERP, supply chain, PPOB bill payment, and financial services under a single cloud-based ecosystem. The company operates through two Bank Indonesia-regulated entities, PT Reksa Transaksi Sukses Makmur and PT Transaksi Artha Gemilang, which license the issuance of Otto Cash electronic money and underpin regulated financial transaction services. The product stack includes Otto Pay (payment gateway supporting QRIS, virtual accounts, e-wallets, cards, EDC, and disbursement), HelloBill (cloud POS with Lite/Pro/Max subscription tiers and offline mode), Otto Point and Otto Omega (loyalty and SaaS ordering), Ukirama ERP (inventory, accounting, procurement, project, and manufacturing), Supply Chain (distributor ordering and shipment tracking), a Biller Aggregator exposing 1,200+ PPOB services via single API, and financial products covering employee salary advance (Otto Kasbon), student tuition financing (Otto Edu), business loans, investment, and insurance.

The business targets Indonesian micro, small, and medium enterprises as its primary segment while selling into large enterprises (e.g., Alam Sutera Realty for property management) and fintech platforms as a secondary segment. Reported scale includes 13,000+ businesses in the ecosystem, 88,000+ SMEs on HelloBill POS across 100+ cities, and 4.1M+ active users. Distribution runs through direct SMB self-registration (app.hellobill.co.id) and enterprise sales, complemented by flagship banking partnerships with Bank Mandiri, Bank Index, and KB Bank for SME digitalization and KUR lending distribution, plus a partner distribution network and API/SDK channels for digital platforms.

Revenue is generated across multiple streams: tiered subscription on HelloBill POS (Rp 129,000–399,000/month), transaction and interchange fees on payment processing and PPOB, subscription and per-transaction fees on loyalty programs, lending platform fees and interest spread on financial products, float income and licensing fees on Otto Cash e-money (including white-label), and ERP licensing. The company is privately held with no disclosed ownership, no identified venture funding, and no disclosed revenue, headcount, or founding date in the source material.

Name

Otto Digital Group

Legal name

PT Reksa Transaksi Sukses Makmur and PT Transaksi Artha Gemilang

Website

https://ottodigital.id

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

251–500 employees

Short description

OttoDigital is an Indonesian integrated digital business platform that unifies payment gateway, cloud POS (HelloBill), loyalty, ERP, supply chain, PPOB biller aggregation, and licensed financial services (e-money, lending) for micro-SMEs through large enterprises across Indonesia.

Ownership category

akta.pro rank

Product category

Digital Business Solutions Platform

NAICS

Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

akta.pro secondary industry

Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE)

Keywords

• Digital payment gateway
• Cloud point of sale
• Merchant loyalty software
• Integrated ERP software
• PPOB biller aggregator

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. POS Software Subscription: HelloBill POS is offered in three subscription tiers (Lite Rp 129,000/month, Pro Rp 279,000/month, Max Rp 399,000/month; annual discounts available). Revenue is recurring monthly/annual subscription-based, with additional per-outlet charges for HQ management, loyalty, and device plugins.
2. Payment Processing & QRIS: Merchants accept digital payments through OttoDigital's payment gateway; the company earns transaction fees and interchange revenue from QRIS, e-wallet, card, and virtual account payments.
3. Loyalty Program & Point Management: Otto Point and Otto Omega loyalty solutions are offered as part of the ecosystem or as standalone SaaS, generating subscription or per-transaction revenue from program management.
4. Lending & Financial Products: OttoDigital facilitates employee loans (Otto Kasbon), student financing (Otto Edu), and general business loans, earning interest spread or platform fees from lenders and borrowers.
5. Electronic Money (Otto Cash): Bank Indonesia-licensed e-money; revenue from transaction fees, float income, and co-brand partnerships with merchants and financial institutions.
6. PPOB / Biller Aggregator: Aggregates 1,200+ bill payment services; OttoDigital earns commissions per transaction processed through the platform.
7. ERP Licensing: Ukirama ERP licensed to businesses requiring integrated enterprise resource planning (inventory, accounting, procurement, manufacturing, project management).
8. Co-brand / White-label E-money: Otto Cash offered as a white-label solution under Bank Indonesia license for partners wanting their own e-money ecosystem; generates licensing/integration revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

OttoDigital provides an integrated digital business ecosystem for Indonesian merchants, combining payment gateway (Otto Pay with QRIS, Virtual Account, EDC), Bank Indonesia-licensed electronic money (Otto Cash), cloud-based POS (HelloBill), loyalty programs (Otto Point and Otto Omega), ERP (Ukirama), supply chain management, PPOB Biller Aggregator, and financial products (Otto Kasbon salary advance, Otto Edu tuition financing, Pinjaman, Investasi, Asuransi). The platform is sold as modular products or bundled suites to micro-SMEs through large corporations, with billing through subscriptions, transaction fees and white-label licensing.

Product overview

OttoDigital adalah platform solusi bisnis digital terintegrasi yang menyediakan ekosistem lengkap untuk perusahaan di Indonesia. Portofolio produk mencakup Otto Pay (payment gateway dengan QRIS, Virtual Account, EDC, dan uang elektronik Otto Cash), HelloBill POS System (sistem kasir cloud dengan mode offline untuk Retail, F&B, dan Services), Otto Point dan Otto Omega (program loyalitas dan SaaS pemesanan), Ukirama ERP (manajemen inventaris, keuangan, manufaktur), Supply Chain (distribusi dan logistik), Biller Aggregator dan Bulk Payment PPOB (1200+ layanan tagihan), serta produk finansial (Pinjaman, Investasi, Asuransi). Seluruh produk dapat berdiri sendiri atau terintegrasi dalam satu ekosistem terpadu untuk UMKM hingga korporasi besar.

Differentiator

Problem solved

Functional benefit

Brands

• Otto Pay: Payment solution for online and offline transactions including QRIS, e-wallet, virtual account, and transfer
• Otto Point
• Otto Omega
• Otto Cash
• Otto Kasbon
• Otto Edu
• HelloBill

Products and services

• Otto Pay (Payment Gateway)
• HelloBill POS
• Otto Point (Loyalty Program)
• Otto Omega (SaaS Ordering & Loyalty)
• Otto Cash (Electronic Money)
• Ukirama ERP
• Supply Chain Solution
• Biller Aggregator (PPOB API)
• Bulk Payment PPOB
• Otto Kasbon (Salary Advance)
• Otto Edu (Education Financing)

Quantifiable outcome

• Up to 85% reduction in manual data entry work through integrated ERP and automated reporting
• +2 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Feature10 records

Partnerships

Three partnerships are on record, tiered flagship and minor.

• Bank MandiriflagshipStrategic or Co-development PartnerBank Mandiri partnered with OttoDigital to expand financing access for Indonesian SMEs. OttoDigital serves as a digital infrastructure partner enabling SME digitalization alongside Bank Mandiri's KUR (Working Capital Credit) lending programs, as reported in Tempo media coverage.
• Bank IndexflagshipStrategic or Co-development PartnerOttoDigital and Bank Index entered a cooperation to improve financial digitalization for SMEs. The partnership focuses on accelerating digital payment adoption and financial services for Bank Index's SME customer base, as covered by Kompas and IDX media.
• MPStore (MPStore dan OttoDigital)minorStrategic or Co-development PartnerMPStore dan OttoDigital entered a cooperation, as referenced in Tribunnews media coverage. The nature of the partnership involves OttoDigital providing digital business solutions to MPStore's merchant network.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Moka POS: Indonesian cloud-based POS system acquired by GoTo. Directly comparable to OttoDigital's HelloBill POS — same SMB and F&B customer base, similar subscription pricing model, and integrated payment acceptance.
• DANA: Major Indonesian e-wallet licensed by Bank Indonesia with QRIS acceptance and merchant payment services. Comparable to OttoDigital's Otto Cash and Otto Pay products in the Indonesian digital payments and e-money space.
• OVO: Indonesian e-wallet and payment platform with broad merchant acceptance. Comparable to OttoDigital's payment and e-money ecosystem in terms of regulated e-money offering and Indonesian merchant payment services.
• Accurate: Indonesian accounting and ERP software serving SMEs and enterprises. Comparable to OttoDigital's Ukirama ERP product in terms of Indonesian SMB customer focus and integrated financial management features.
• DOKU: Indonesian payment gateway and e-money provider licensed by Bank Indonesia. Directly comparable to OttoDigital's Otto Pay payment gateway and Otto Cash e-money offering with similar regulatory positioning and merchant services.
• Mekari: Indonesian SaaS company offering accounting (Jurnal), payroll, and ERP solutions for Indonesian businesses. Comparable to OttoDigital's Ukirama ERP and broader financial management product line for the same SMB and enterprise customer base.
• Xendit: Leading Southeast Asian payment gateway serving Indonesian and regional merchants with online payment infrastructure. Directly comparable to OttoDigital's Otto Pay, with similar multi-method payment acceptance and merchant-focused positioning.
• Midtrans: Indonesian payment gateway (now a GoTo subsidiary) offering online payment processing for Indonesian merchants. Directly comparable to OttoDigital's Otto Pay payment gateway business serving the same Indonesian merchant segment with similar QRIS, e-wallet, and virtual account acceptance.
• Pawoon: Indonesian cloud POS system targeting SMEs and F&B merchants with integrated payment processing. Comparable to OttoDigital's HelloBill POS in terms of customer segment, product features, and Indonesian market focus.

Broad incumbents

• GoTo: Indonesian super-app (Gojek + Tokopedia) operating GoPay payments, Midtrans payment gateway, and Moka POS. Comparable to OttoDigital across multiple product lines (payments, POS, e-money), though GoTo operates at vastly larger scale with broader consumer reach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@ottodigital.id
• LinkedInlinkedin.com/company/ottodigital.id/?originalSubdomain=id
• Instagraminstagram.com/ottodigital.id
• TikToktiktok.com/@ottodigital.id

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about Otto Digital Group