Indonesia ¡ IDR Infrastructure

Move money in Indonesian rupiah — without an Indonesian bank account*.

Collect from Indonesian customers, pay Indonesian suppliers, and manage the FX in between — on named IDR virtual accounts that settle to you in the currency you already bank in.
Start expanding into IndonesianSee the products
Settle in
USD
EUR
JPY
SGD
GBP
+30 more
~280M
Population
<10s
BI-FAST settlement time, 24/7
95%
of Indonesian banks reachable via BI-FAST
57M+
active BI-FAST & QRIS users
Why local rails matter

Indonesia's instant rail already reaches nearly every bank. Your rails should reach it too.

In Indonesia, BI-FAST has made real-time interbank transfers the norm, connecting well over a hundred banks and payment institutions under Bank Indonesia, while QRIS gives every merchant — from a warung to a mall — one standard QR code that any bank or e-wallet app can scan.

For merchants operating from outside Indonesia, that speed creates two problems. Without a local account, there's no straightforward way for an Indonesian customer to pay you in Indonesian rupiah, and generic pooled accounts make it difficult to tell whose payment just landed. Paying an Indonesian supplier from abroad usually means a slow international wire, an unfavourable exchange rate buried in the transfer, and days of uncertainty before the supplier can confirm receipt.

DSGPay solves both sides from one platform. You get a dedicated named local IDR virtual account plus the foreign exchange to move value in and out of Indonesian rupiah at rates built for volume, not for one-off retail transfers. No Indonesian entity required. Rp in, your currency out — or the reverse, for payouts.
The DSGPay Indonesia stack

Four building blocks. One IDR-denominated ledger.

Use one, or use all four — collections, payouts, and FX are designed to sit on top of the same named account infrastructure.
Collect

1. Named Virtual Accounts

A dedicated IDR account opened in your merchant name. Indonesian customers deposit directly into it in real time, exactly as they would to any local business — no card rails, no wallets, no waiting.
Customer deposits IDR
→
Your named account
→
Settled in USD, EUR, JPY, SGD, AUD
Reconcile

2. Collections

One-time, single-use IDR virtual accounts generated per transaction or per customer. Built for high-volume merchants who need to identify exactly which Indonesian customer paid, without manual matching.
Unique account per order
→
Auto-matched deposit
→
Clean reconciliation
Pay out

3. IDR Real-Time Payouts

Prefund in USD, EUR, or your working currency, and pay Indonesian suppliers, partners, or employees in Indonesian rupiah in real time — on BI-FAST, the same rails Indonesian businesses use to pay each other.
You prefund
→
DSGPay converts
→
Supplier paid instantly
Convert

4. IDR FX

Buy and sell IDR against USD, EUR, JPY, SGD, AUD, and 30+ other currencies, at rates built for the volume behind your collections and payouts, not a one-off retail conversion.
30+ funding currencies
→
Competitive IDR rate
→
Applied automatically
Why Indonesia, on DSGPay

Built for how money actually moves in Indonesia

Your presence in Indonesia

A named IDR virtual account gives you a local footprint without the cost or delay of setting one up yourself.

Real-time reconciliation

Clearly separate and identify incoming IDR deposits so every transaction and balance updates instantly.

Faster and cheaper

Local IDR rails settle faster and at a lower cost than routing every transaction through SWIFT.

30+ currencies

Fund and settle in USD, EUR, JPY, SGD, AUD, and dozens of other major and regional currencies alongside IDR.
How the money moves

Two directions, one platform

Collections bring IDR in and settle out in your currency. Payouts start in your currency and land in IDR. DSGPay's FX sits in the middle of both.
Starts with
Indonesian customer
Deposits IDR
→
DSGPay FX
→
Settles out
Ends with
You, in USD, EUR, JPY, SGD, AUD
Starts with
You, prefunding
USD, EUR, or your working currency in
→
DSGPay FX
→
Pays out IDR
Ends with
Indonesian supplier
Ready when you are

Ready to collect, pay out, and convert in indonesian rupiah?

Tell us how you're moving money in and out of Indonesia today, and we'll show you what it looks like on DSGPay
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Who We Serve
About Us
DSGPay operates as a licensed or registered payments provider in Hong Kong, Thailand, and Australia. Our operations are supervised by the respective local regulatory authorities.

Hong Kong: Licensed Money Service Operator (License No. 15-08-01682). Hong Kong Customs and Excise Department.

Thailand: Licensed E-Payment Service Provider. Entity Name: Bahtsmart Co., Ltd. (ā¸šā¸Ŗā¸´ā¸Šā¸ąā¸— ā¸šā¸˛ā¸—ā¸Ēā¸Ąā¸˛ā¸ŖāšŒā¸— ā¸ˆā¸ŗā¸ā¸ąā¸”). Regulated by the Bank of Thailand (BOT). To verify our license,
please search using our Thai company name on the BOT portal.

Australia: Registered with AUSTRAC as an Independent Remittance Dealer.
‍
In these markets, DSGPay does not hold a direct license or registration; the licensed local partner is responsible for regulatory compliance in that jurisdiction. This partnership model allows DSGPay to offer consistent service across its network while ensuring every transaction is processed in accordance with applicable local law.

*DSGPay is a licensed payment institution, not an authorised deposit-taking institution (ADI) or bank. Funds processed through DSGPay are not bank deposits and are not covered by any deposit insurance or protection scheme. Depending on the jurisdiction, customer funds may be held in segregated accounts, safeguarded accounts, or trust arrangements with licensed banking partners, in accordance with the regulatory requirements applicable in that country. Customers should refer to the terms and conditions applicable to their account for details specific to their market.