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Definition (Based on the Conceptual Design of BI FAST, as approved at the Board of Governors Meeting (RDG) on 10th October 2019).
  1. Operational 24/7
  2. Real-time at the bank and customer levels
  3. Push and Pull transactions
  4. Proxy Address1 applicable
  5. Fraud Detection System
  6. Automatic customer notifications
  7. Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) systems

Unified Payment Interface (UPI)

Based on the Indonesia Payment System Blueprint 2025, a Unified Payment Interface (UPI) will be developed as a platform that integrates all payment channels using API technology to support real-time payment transactions using a single ID and single interface.  UPI will be developed to increase financial inclusion through payment channel interoperability​.

National Clearing System​ (SKNBI)

Understanding SKNBI 

The National Clearing System (SKNBI) is infrastructure used by Bank Indonesia for administering funds transfers and scheduled clearing to process electronic financial data for funds transfers, paper-based debit clearing, regular credit services and regular debit services. (Board of Governors Regulation (PADG) No. 21/12/PADG/2019).
  • Funds Transfer Services are SKNBI services to transfer funds between participants from one sender to one recipient. 
  • Paper-based debit clearing are SKNBI services to debit funds between participants from one sender to one recipient using a physical funds transfer form.
  • Regular credit services are SKNBI services to transfer funds between participants from one/many sender(s) to one/many recipient(s). 
  • Regular debit services are SKNBI services to debit funds between participants from one sender to more than one recipient.

SKNBI Pricing Policy

No. SKNBI Service
BI to Bank
Bank to Customer
1 Funds Transfer Services Rp600/DKE Max Rp3.500
2 Paper-based Debit Clearing Services Rp1.000/DKE Max Rp5.000
3 Regular Credit Services
Rp500/transaction Max Rp5.000
4 Regular Debit Services
Rp500/transaction​ Max Rp5.000

Window Time

No Activity
Window Time (WIB)*
1 System Open 06.30
2 Funds Transfer and Regular Credit Services  
  a. 1st Settlement Window 08.00
  b. 2nd Settlement Window
  c. 3rd Settlement Window 10.00
  d. 4th Settlement Window
  e. 5th Settlement Window
  f. 6th Settlement Window
  g. 7th Settlement Window
  h. 8th Settlement Window
  i. 9th Settlement Window
3 Paper-based debit clearing services
  a. Zone I 13.30
  b.  Zone II 14.30
  c. Zone III 15.30
  d Zone IV 12.00
4 Regular Debit Services  
  Settlement 16.00
5 System Cut-Off​ 16.45​

National Payment Gateway


The retail payment system in Indonesia is complex and segmented.  Therefore, Bank Indonesia has created an integrated and connected national retail payment ecosystem through the National Payment Gateway (NPG).

NPG was designed strategically to facilitate government programs, such as cashless social aid program (bansos) disbursements, person-to-government (P2G) transfers as well as toll road and transportation sector electronification, while supporting national e-commerce and increasing financial inclusion.


NPG Definition 

The National Payment Gateway (NPG) is an ecosystem that connects various electronic payment or cashless transaction instruments offered by domestic banks within the payment system​. ​

NPG Goals

NPG policy aims to​: 
  1. Create connected and convergent infrastructure for mutual use to achieve optimal interoperability.
  2. Expand the role of the domestic payment system industry by utilising the latest domestic infrastructure technology and innovation to provide the products and services required by the public.
  3. Expand the reach of retail payment system products and services in order to increase cashless transactions and financial inclusion.
  4. Reduce settlement risk by increasing security, customer protection and settlement at Bank Indonesia.
  5. Structure payment system institutions to provide standards, switching and services functions.
  6. Create national payment system interoperability through interconnected switching and create a more efficient, secure and reliable national payment system.

NPG Scope 

The NPG covers the following domestic payment transactions:
  1. Interkoneksi Switching. 
  2. Interkoneksi dan interoperabilitas kanal pembayaran berupa kanal ATM, electronic data captured (EDC), agen, payment gateway, dan kanal pembayaran lainnya.  
  3. Interoperabilitas instrumen pembayaran berupa kartu ATM dan/atau kartu debet, kartu kredit, uang elektronik, dan instrumen pembayaran lainnya. 

NPG Operators 

NPG operators include Standards institutions, Switching institutions and Services institutions​.  
  1. Standards Institutions​:
    • Tasked with compiling, developing and managing standards to ensure interconnection and interoperability amongst payment instruments, payment channels and switching, as well as security.
    • ​The Indonesia Payment System Association (ASPI) has been appointed by Bank Indonesia as the standards institution for ATM/debit cards​.

  2. Switching Institutions:
    • Tasked with processing payment transaction data domestically to ensure interconnection and interoperability 
    • ​There are currently four NPG switching institutions, namely PT Artajasa Pembayaran Elektronis, PT Rintis Sejahtera, PT Alto Network and PT Jalin Pembayaran Nusantara​. 
  3. Lembaga Services: 
    • Tasked with maintaining payment transaction security and customer data confidentiality; reconciliation, clearing, settlement; developing systems to prevent fraud, manage risk and mitigate risk; resolving payment transaction disputes under the auspices of consumer protection; as well as providing other functions mandated by Bank Indonesia in relation to the services function.  
    • ​The services function is executed by PT Penyelesaian Transaksi Elektronik Nasional (PTEN)​. 

NPG Connected Parties

NPG connected parties include issuers, acquirers, payment gateway operators and other parties appointed by Bank Indonesia. 

NPG Regulations​ 

  1. Domestic Payment Transaction Processing
    All domestic payment transactions must be processed through NPG.  Domestic payment transactions are transactions using payment instruments issued by Issuers in Indonesia and transacted in the unitary Republic of Indonesia​.

  2. National Branding
    National branding refers to the set of rules concerning logos, expanding national acceptance and domestic processing.  Parties connected to the NPG are required to display the national logo on each payment instrument issued.

  3. Price schemes​​
    • When setting the price scheme policy, Bank Indonesia considers a number of principles, including expanding acceptance, efficiency, competition for services and innovation; based on the cost of recovery plus a fair margin, risk management and convenience​.
    • The NPG price scheme policy for debit cards is set through the Merchant Discount Rate (MDR), namely the cost incurred by the merchant.
    • ​The NPG price schemes are as follows​

    • Price Scheme​​​​​
      a.    On us (transactions initiated by the same issuers and acquirers)​ 
      • MDR is the cost paid by the merchant 
      • The MDR will be evaluated periodically and reviewed as required​ 

      Regular Merchant 

      MDR 0,15% 

      Merchant - Education 

      MDR 0,15% 

      Merchant – Petrol Station 

      MDR 0,15% 

      Merchant – G2P, P2G, Donations 

      MDR 0% 

      b.    Off us (transactions initiated by different issuers and acquirers)​ 

      Regular Merchant 

      MDR 1% 

      Merchant - Education 

      MDR 0,75% 

      Merchant – Petrol Station

      MDR 0,5% 

      Merchant – G2P, P2G, Donations 

      MDR 0% 

How to obtain an NPG Card and Examples with the NPG Logo 

Existing customers as well as customers with broken/lost/expired cards are eligible to request a new card at an issuing bank with an identity card, bank book and existing debit card.

New account holders will receive information concerning the new debit cards and application procedure from the respective bank.

Examples of NPG cards issued by the banking industry​.
kartu GPN.png

 Logo GPN dan Filosofinya
logo GPN.png


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