Payment agent for Indonesian companies
Payment agent for Indonesian companies: pay foreign invoices, receive payments from abroad
Arkipo is the trading name of PT Global Payment Gateway, an Indonesian PT with foreign-currency accounts at Bank Mandiri in USD, EUR, CNY and IDR (NIB 2412240053279). We pay your suppliers abroad and receive what your foreign clients owe you, from our own company accounts, with a payment order and bank proof for every transaction. If your funds are in USDT, they are converted through our licensed partners; Arkipo itself never takes USDT from Indonesian companies.
- 2 business daysKYB
- 1.2% → 0.7%agent fee by monthly volume
- USD · EUR · CNY · IDRaccounts at Bank Mandiri
- SWIFT · SEPA · local railsany bank abroad
indicative figures as of Oct 21, 2026 · live rates load in a moment
To your company USD account at Bank Mandiri the same business day; SWIFT to a bank abroad at cost. The spread and the agent fee are the only two lines we earn on; the reference rate is public.
Tickets above $50,000: desk pricing, spread from 0.10%. Arkipo OTC desk
indicative figures as of Oct 21, 2026 · live rates load in a moment
To your company IDR account at any Indonesian bank, the same business day. The spread and the agent fee are the only two lines we earn on; the reference rate is public.
A $10,000 invoice to a supplier in China
From your USD account at any Indonesian bank, in IDR at the day's rate, or in USDT through our licensed partners.
KYB takes about two business days. We reply within one business day.
Reference rates only, refreshed every minute. Your rate is the reference rate minus the spread shown in the quote; conversion is executed by our licensed partners.
Two services, one agent agreement
Both run from PT Global Payment Gateway's accounts at Bank Mandiri. Your bank, your supplier's bank and your client's bank see ordinary company transfers with your invoice reference.
Pay foreign invoices
Suppliers in China and Türkiye, European vendors, software and logistics invoices. SWIFT in USD, EUR or CNY, SEPA in EUR, local rails where we hold accounts. MT103 or bank confirmation for every payment, with your company name and invoice number in the reference.
Receive payments from abroad
Your foreign buyers and clients pay an ordinary invoice in USD or EUR to our account with a reference. After final credit we transfer the funds to your IDR or USD account at Mandiri or any Indonesian bank, with a credit advice and the agent report for your accountant.
How it works for your company
Five steps. The only one that takes more than a day is the first.
KYB in 2 business days
NIB, NPWP, deed of establishment (akta), the director's KTP, and the agent agreement signed by the director.
oncePayment order with the invoice
Upload the supplier's invoice and bank details. We show the agent fee, the bank cost and the delivery date; you approve.
minutesFunding
USD or IDR from your company account to PT Global Payment Gateway's Mandiri account with the order reference, or USDT through our licensed partners (see below).
same dayWe pay
SWIFT, SEPA or local rails from our account. Orders funded before the cut-off go out the same business day.
same business dayDocuments
Payment order, bukti transfer / MT103, agent report (laporan agen), our fee invoice, and a faktur pajak where applicable.
automaticTerms for a business account
The same figures as on the pricing page. Bank and network costs are passed on at cost.
| Agent fee · monthly volume up to $100,000 | 1.2% |
| Agent fee · $100,000 – $500,000 per month | 1.0% |
| Agent fee · above $500,000 per month | 0.7% |
| Bank fee at cost | SWIFT $35 SHA · $65 OUR · SEPA €3 · local $0–5 |
| Minimum per payment | $1,000 |
| Test payment | first payment of $1,000–5,000 at the standard fee, full document set before the first batch |
| Delivery | SWIFT 1–2 business days · SEPA same day · local rails minutes to hours |
| Cut-off | SWIFT 15:00 CET (21:00 WIB) · SEPA 16:00 CET (22:00 WIB) · local rails local hours |
| Receiving from abroad | USD or EUR to our account; your IDR or USD arrives the business day after final credit; incoming bank fee $15 SWIFT · €1 SEPA |
| Converting USDT to IDR or USD (via our licensed partners) | reference rate: Binance USDT/USD market, live (× USD/IDR mid-market for rupiah) → conversion spread −0.35% → your rate → agent fee 0.1% → bank fee at cost |
| Converting received USD or EUR to IDR | mid-market rate + 0.35%, shown as a separate line; USD to USD without conversion |
What your supplier and your client see
On request we add a payment-on-behalf-of letter in English for the beneficiary's accountant, and a credit advice for yours.
Who you are dealing with
Public registry data, the same as on the compliance page. We are not a bank and we do not take crypto assets from Indonesian companies.
Legal entity
PT Global Payment Gateway · Perseroan Terbatas (PT PMA) · NIB 2412240053279 · SK AHU-0099591.AH.01.01.Tahun 2024 of 13 December 2024 · deed No. 15 of 10 December 2024
Registered office
Graha Merdeka, Jalan Merdeka, Sumerta Kelod, Denpasar Timur, Denpasar, Bali 80239, Indonesia
Bank and documents
PT Bank Mandiri (Persero) Tbk, SWIFT BMRIIDJA, accounts in USD, EUR, CNY and IDR. Apostilled corporate documents available for your due diligence.
Questions from Indonesian companies
Is this allowed for an Indonesian company?
You buy a payment-agent service from an Indonesian PT and pay its fee invoice; every transfer is executed in rupiah or foreign currency from a Bank Mandiri account under the agent agreement. If you fund in USDT, the conversion is done by one of our licensed partners, under its own licence and your own contract with it; Arkipo does not take USDT from Indonesian companies. We provide every document your accountant and your bank may ask for.
How is it booked in our accounts?
As a service. You receive our fee invoice for the agent service and the underlying supplier invoice is paid through the agent, with the payment order and the bank proof as supporting documents. Your accountant books the supplier invoice as usual and our fee as a service expense; for receipts, the credit advice and the agent report support the sales invoice.
Which taxes apply to the agent fee?
The fee is a service of an Indonesian PT: PPN applies where required and appears on the fee invoice, and we issue a faktur pajak where applicable. Whether PPh 23 withholding applies to the agent fee is stated on each invoice so your finance team can apply it. The supplier invoice itself is taxed as it would be if you paid it directly.
What does Bank Mandiri see?
Outgoing: a transfer from PT Global Payment Gateway's account to your supplier with the invoice reference. Incoming from you: a transfer from your company account with the order reference. Incoming from a licensed partner: a rupiah or dollar transfer with “on behalf of [your company], order ARK-…”. Nothing crypto-related appears in any bank record.
Can we pay a supplier in China in CNY?
Yes. SWIFT in CNY or USD to the supplier's corporate account; a contract or signed pro-forma is needed above $10,000 and for the first payment to a new supplier. Details are on the China corridor page.
What happens if the payment is returned?
We show the bank's reason, then resend with corrected details or return the funds to the account they came from, yours or the partner's, in the amount received minus the bank's return charge, within three business days.
How long does everything take?
KYB: two business days. Outgoing payments: SWIFT one to two business days, SEPA the same day, local rails within hours. Receipts: your IDR or USD arrives one to three business days after your foreign client pays.
Who converts the USDT?
Conversion is carried out by our partners, licensed in their jurisdictions. We do not publish their names; they are disclosed to banks, regulators and clients under agreement to the extent the law requires. You contract with the partner directly for the conversion; Arkipo only receives the resulting rupiah or dollars and executes your payment order.
For international clients
Not an Indonesian company? The international portal is for you.
Individuals and companies anywhere pay invoices abroad funded in USDT and receive bank transfers from their customers through the same agent model: one fee shown before you pay, bank costs at cost, an MT103 or bank confirmation for every payment. The calculator, limits and worked examples live on the international pages.
Pay an invoice abroad
Suppliers, rent, tuition, clinics, software. SWIFT, SEPA or local rails, from $300 equivalent.
Receive payments from abroad
Your customer pays an ordinary invoice to our account by bank transfer; you receive the funds after final credit.
Arkipo OTC for payment companies
USDT ↔ USD and EUR settlement for licensed payment institutions, quoted by the desk after KYB and a master agreement.
KYB in two business days
Send the first invoice as a test payment.
Request KYB
Tell us about your company and what you pay or receive. We reply within one business day with the KYB checklist and a draft agent agreement; there is no fee until the first payment.
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- PT Global Payment Gateway · NIB 2412240053279