LinkAja
LinkAja is one of Indonesia’s largest digital payment methods, accepted by almost 3 million merchants. Established in 2019 by a group of state-owned enterprises, it’s designed to broaden financial inclusion by not requiring consumers to have a bank account in a country where 48% of the population is unbanked (PPRO Almanac). Consumers load funds to their LinkAja wallet via bank transfer, cash deposit at ATMs, or participating local convenience stores. Payments are completed by entering their phone number, PIN and verification code.
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Get in touchWhy LinkAja
E-wallets are the most popular payment method amongst Indonesians, with 39% opting to use one to pay for services and goods (PPRO Almanac).
LinkAja reported an increase in consumers from 65 million in 2021 to 89 million in 2022, with up to 80% of users based in Tier 2 and Tier 3 cities.
The launch of Indonesia’s first Sharia-compliant wallet in 2020, supported by more than 1,000 mosques, will expand LinkAja’s potential customer base in the world’s largest Muslim nation.
Specifications
Coverage
Currencies
Features
How it works
At checkout, the merchant can display either LinkAja or DOKU for the consumer to select
If DOKU is selected, the consumer first redirects to a hosted payment page (merchant white label option) before selecting LinkAja
The consumer reviews the transaction and enters their LinkAja credentials
The consumer provides their phone number and LinkAja PIN, then enters the verification code sent via SMS
Payment is con firmed