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AstraPay Digital Wallet

website·Indexed 33 days ago

https://astrapay.com/

A digital payment service provided by PT Astra Digital Arta. AstraPay offers features including QRIS payments, PPOB (Payment Point Online Bank) services, game voucher purchases, bill reminders, and integration with public transportation like MRT Jakarta and Transjakarta. The platform supports account upgrades from Classic to Preferred, AstraPoints management, and disbursement services for merchants.

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What's inside AstraPay

  1. Overview of SIGNAL (Samsat Digital Nasional)

    SIGNAL is a national digital Samsat application that integrates vehicle data from the Indonesian National Police (Polri), population data from the Directorate General of Population and Civil Registration (Ditjen Dukcapil), and vehicle tax data from provincial regional revenue agencies (Bapenda). It allows vehicle owners to perform the following services online:

    • Annual Motor Vehicle Tax (PKB) payment
    • Road Accident Mandatory Contribution (SWDKLLJ) payment
    • Annual STNK (Vehicle Registration Certificate) validation
    • Obtaining digital payment proofs

    The application utilizes identity verification and face matching to validate users against population data.

  2. Overview of AstraPay Mitra Affiliate Program

    Mitra AstraPay is an affiliate program designed for business owners to sell digital products and services to their customers. Partners earn commissions on every transaction processed through the platform. Key capabilities include managing digital product sales, real-time transaction monitoring, and the ability to download transaction reports.

  3. Overview of SNAP Direct Debit services

    The SNAP Direct Debit service manages the customer payment flow from purchase details to success notification. It consists of four primary APIs:

    1. Direct Debit Payment
    2. Direct Debit Payment Status
    3. Direct Debit Payment Refund
    4. Direct Debit Payment Notify

  4. Overview of Spektra financing

    Spektra is a multi-product financing service provided by FIFGROUP (PT Federal International Finance) designed for purchasing electronics, gadgets, furniture, and household appliances without requiring a credit card. It offers both conventional and Sharia-compliant financing schemes. If documents and verification are complete, applications can be approved in approximately 90 minutes.

  5. Overview of AstraPay Mitra Affiliate Program

    Mitra AstraPay is an affiliate program designed for businesses to sell digital products and services. Partners can earn commissions by facilitating transactions for customers, including AstraPay balance top-ups, loan installments, bill payments, and cash withdrawals. Key business benefits include diversified product offerings, real-time transaction monitoring, and the ability to download transaction reports.

  6. Overview of AstraPay Merchant API Security (SNAP)

    AstraPay uses the SNAP security standard, employing symmetric encryption with HMAC_SHA512 (512 bits) signatures. Communication between the Merchant and AstraPay requires four primary security components:

    • Client ID: A unique identifier issued by the API provider.
    • Client Secret: A secret key issued by the API provider used to secure the encryption of every request.
    • Public Key: A unique key generated by the API user (Merchant) and provided to the API provider.
    • Private Key: A unique key generated and stored securely by the API user (Merchant). This key must remain confidential and never be shared.

    The security workflow consists of three main processes: generating the Auth Signature, obtaining the B2B API Access Token, and generating the Service Signature.

  7. Overview of AstraPay product features

    AstraPay is a digital payment application providing various financial services, including:

    • Top Up: Balance can be added via Mobile Banking, ATMs, and minimarkets.
    • QRIS Payments: Support for scanning and paying via QRIS.
    • Bill Payments & Top-ups: Payment for installments, bills, and purchasing credit (pulsa).
    • Fund Transfers: Ability to transfer funds to various destinations.
    • Cardless Cash Withdrawal: Practical cash withdrawals at ATMs without a physical card.
    • Billing Reminders: Feature to set reminders for timely bill payments.
    • Game Top-ups: Purchase of vouchers for favorite games.
    • Biometric Security: Enhanced security using biometric authentication.

  8. Overview of Spektra financing

    Spektra is a multi-product financing service provided by FIFGROUP (PT Federal International Finance) that enables users to purchase electronics, gadgets, furniture, and household appliances through an installment system without requiring a credit card. It offers both conventional and Sharia financing schemes. If documents and verification are complete, applications can be approved in approximately 90 minutes.

  9. Overview of SIGNAL (Samsat Digital Nasional)

    SIGNAL is a national digital Samsat application that integrates vehicle data from the Indonesian National Police (Polri), population data from the Directorate General of Population and Civil Registration (Ditjen Dukcapil), and vehicle tax data from regional Bapenda offices. It allows vehicle owners to perform the following services online:

    • Annual Vehicle Tax (PKB) payment
    • Road Accident Mandatory Fund (SWDKLLJ) payment
    • Annual STNK (Vehicle Registration Certificate) validation
    • Retrieval of digital payment proofs

    The application utilizes identity verification and face matching to validate users against population data.

  10. AstraPay QRIS Merchant Benefits

    Merchants using AstraPay QRIS receive the following advantages:

    • Daily Disbursement: Funds are settled every day, including holidays.
    • 0% MDR: No Merchant Discount Rate (MDR) fees for Micro-businesses.
    • Promotions: Access to exclusive cashback and vouchers for customers.
    • Astra Ecosystem Financing: Easier access to financing options within the Astra ecosystem.
    • Operational Efficiency: Automatic transaction recording, no need for physical change, and elimination of counterfeit money risks.

  11. Become an AstraPay Partner (Mitra AstraPay)

    As an AstraPay Partner, businesses can earn commissions by providing digital services and products, including installment payments, bill payments, top-ups for AstraPay balances, and cash withdrawal services.

  12. Understand AstraPoints loyalty program and earning rules

    AstraPoints is a loyalty program for AstraPay users. Points are automatically earned when users perform transactions using their AstraPay balance or top up their balance via Banks and Alfa merchants. AstraPoints have a validity period of 2 years from the date they are received.