PT. STARPAY SOLUSI DIGITAL

What PT. STARPAY SOLUSI DIGITAL does

Revenue is generated purely through transaction fees: Rp 10,000 per PayPal transaction, Rp 15,000 per credit card transaction, a tiered IDR/USD spread on balance conversion (Rp 14,500–15,000 per USD) and a 5% fee with $2 minimum on international invoice payments. Inbound payment collection is via Indonesian bank transfer (BCA, BRI, BNI, Mandiri, Jenius), e-wallets (DANA, OVO, GoPay, ShopeePay, LinkAja) and QRIS. The customer base is fragmented across four personas — online shoppers, freelancers, digital business owners and gamers — with no named enterprise accounts and no disclosed headcount, funding or revenue figures.

Name

PT. STARPAY SOLUSI DIGITAL

Legal name

PT. Starpay Solusi Digital

Website

https://starpay.co.id

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

PT. Starpay Solusi Digital is an Indonesian fintech intermediary (founded 2025) that lets unbanked Indonesian consumers top up PayPal, convert PayPal balances to IDR, and pay international merchants via the company's PayPal or credit card accounts, ordered through WhatsApp.

Ownership category

akta.pro rank

Product category

Cross-Border Digital Payment Services

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Merchant Acquiring & Card Processing (PSPs) (CRAFALAB)

akta.pro secondary industries

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)

Keywords

• PayPal top-up services
• International payment facilitation
• PayPal balance conversion
• Cross-border retail payments
• Indonesian e-wallet services

Headquarters

HQ city

Blora

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Transaction Fees - PayPal Services: Fee-based revenue from PayPal payment facilitation services. Charges Rp 10,000 per PayPal transaction plus the exchange rate spread. For credit card payments, charges Rp 15,000 per transaction. Process time is 5-10 minutes with 24-hour service availability.
2. Balance Conversion Spread: Revenue generated from the spread between buy and sell rates when converting PayPal USD balance to Indonesian Rupiah. Rates vary: below $100 at Rp 14,500 per USD, above $100 at Rp 15,000 per USD. Minimum conversion is $30.
3. PayPal Balance Purchase: Revenue from selling PayPal balance to customers. For purchases below $70, additional fee of Rp 10,000 applies. Rate is based on current exchange rate plus service fee.
4. International Payment Processing: Processing fee of 5% of total transaction with minimum fee of $2 for international online payments via PayPal or credit card. Supports various services including hosting, domains, software, online courses, and international shopping.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels9 records

Core offering

PT. STARPAY SOLUSI DIGITAL operates Starpay.co.id, a digital intermediary service that allows Indonesian customers without credit cards or PayPal accounts to make payments on international websites, top up PayPal balances in USD, and convert PayPal USD balances into Indonesian Rupiah deposited to local bank accounts or e-wallets. The service is coordinated through WhatsApp with 24/7 customer service and supports payments across 210+ countries via PayPal, Mastercard, Visa, Skrill, and USDT rails.

Product overview

PT. STARPAY SOLUSI DIGITAL operates Starpay.co.id, a web-based platform providing digital payment and transaction services for international online transactions. The core offering consists of three main services: (1) Jasa Top Up Saldo PayPal for purchasing PayPal balance in USD, (2) Jasa Bayar Online PayPal & Kartu Kredit for facilitating international website payments without requiring customers to have their own PayPal or credit card, and (3) Jasa Convert Saldo PayPal for converting and withdrawing USD PayPal balance to Indonesian Rupiah via bank transfer or e-wallets. The platform supports 210+ countries and 110 million merchant websites. Additional services include mobile credit top-up (Isi Pulsa Online), internet data packages (Paket Data Internet), game vouchers (Voucher Game), and e-wallet balance top-ups (Saldo E-Wallet). All services are coordinated through WhatsApp customer service operating 24/7.

Differentiator

Problem solved

Functional benefit

Products and services

• Jasa Top Up Saldo PayPal Service enabling customers to purchase or add USD balance to their PayPal accounts by paying in Indonesian Rupiah. Processing takes 5-15 minutes after payment confirmation and supports both Indonesian and foreign PayPal accounts.
• Jasa Bayar Online PayPal & Kartu Kredit International payment facilitation service where Starpay processes payments on behalf of customers to foreign websites and applications for hosting, domains, software, online courses, and international shopping. Designed for customers without their own PayPal account or credit card. Processing time is 5-10 minutes, supporting payments across 210+ countries.
• Jasa Convert Saldo PayPal PayPal USD balance withdrawal and currency conversion service that converts customer USD PayPal balance into Indonesian Rupiah and transfers the funds to a local bank account or e-wallet. Rate is Rp 15,000 per USD with a minimum transaction of $30 and no admin fee deducted; processing completes in under 5 minutes.

Quantifiable outcome

• Transaction processing time of 3-10 minutes for most orders
• +2 more outcomes

Segments4 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Feature3 records

Partnerships

One partnership is on record.

• Regulated Banking PartnerscoreOthersThe company works with regulated banking partners for payment processing. Accepts transfers from customer accounts to company accounts at BCA, BRI, BNI, JENIUS BTPN, and Mandiri banks. All company accounts are under the name PT STARPAY SOLUSI DIGITAL.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Flip (by Flin): Indonesian fintech for interbank transfers, bill payments, and remittances. Comparable as a digital payments intermediary targeting Indonesian consumers seeking cheaper/faster financial services.

Broad incumbents

• Wise (formerly TransferWise): Global multi-currency accounts and cross-border payments platform. Comparable on the FX conversion and cross-border payment facilitation dimensions of Starpay's convert service, though at much larger scale with licensed infrastructure.
• Doku: Established Indonesian payment gateway and e-money provider supporting cards, e-wallets, and online payments. Comparable as a domestic PSP serving Indonesian cross-border commerce needs.
• Remitly: Cross-border remittance and payments platform serving Indonesia among other corridors. Comparable on the FX conversion and digital rails for Indonesian users moving money internationally.
• Midtrans (GoTo/GoPay): Major Indonesian payment gateway owned by GoTo group, supporting credit cards, bank transfers, e-wallets, and direct debit. Comparable domestic PSP competing for the same merchant and consumer payments flow.
• Payoneer: Global payments and FX platform heavily used by Indonesian freelancers receiving USD payments. Directly comparable to Starpay's freelancer-facing PayPal balance conversion service, but at a far larger and more regulated scale.
• Xendit: Leading Indonesian payment gateway offering broader payment infrastructure (cards, e-wallets, virtual accounts, disbursements). Overlaps with Starpay as a PSP serving Indonesian merchants and consumers, but operates at platform scale with regulated licensing.

Regional players

• Ninja Xpress (J&T) / Jago Pay: Indonesian digital bank (Bank Jago) integrated with GoPay ecosystem offering payments, transfers, and savings. Comparable as a regulated Indonesian digital payments competitor serving the same consumer fintech base.

Direct peers

• Payfazz: Indonesian fintech serving payments, top-ups, and financial services for underserved consumers and agents. Overlaps with Starpay on digital payment intermediation and add-on services like pulsa and voucher top-ups.
• Yukk Payment Services: Indonesian payment intermediary focused on facilitating international online payments via PayPal and credit cards for Indonesians. Most direct comparable to Starpay's core payment facilitation service.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@starpaypal
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/pt-starpay-solusi-digital
• Instagraminstagram.com/starpay.co.id
• TikToktiktok.com/@starpaypal
• Xx.com/starpaypal

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 PT. STARPAY SOLUSI DIGITAL