SATWI is a Payment Point Online Bank (PPOB) platform from PT Satwika Cipta Karya. We help businesses, agents, and apps accept & manage bill payments—PLN, PDAM, BPJS, internet/TV, pulsa & data, e‑wallet top‑ups, and more—via a robust dashboard and clean, well‑documented APIs. Our smart‑routing, auto‑reversal, and 99%+ uptime keep your operations smooth.
SATWI focuses on dependable PPOB rails: low failure rates, transparent status, and clear reconciliation. Whether you’re an agent network or a fast‑growing app, our stack keeps your payments moving.
Pay PLN (postpaid & tokens), PDAM, BPJS, internet/TV, multifinance, and more—fast processing, low failure rates, clear status updates.
Pulsa & data, e‑wallet top-ups (OVO, GoPay, DANA, ShopeePay), game vouchers, and digital products—single balance, unified reporting.
Agent & merchant dashboard for reports, settlement, and dispute handling. REST APIs with sandbox, webhook notifications, and clear documentation.
Built by PT Satwika Cipta Karya—aggregated billers, secure payments, dev‑friendly APIs, and transparent reconciliation tailored for Indonesian operators.
Single, unified API to access PLN, PDAM, BPJS, internet/TV, and more—complete with test sandbox and webhook callbacks.
Multi‑tier agent management, margins & commissions, fee templates, and KYB/KYC flows to scale your network safely.
Automatic reconciliation, settlement schedules (H+0/H+1), dispute tools, and downloadable reports for finance & ops.
SATWI is a Payment Point Online Bank (PPOB) platform by PT Satwika Cipta Karya that enables agents, merchants, and apps to process bill payments and top‑ups (PLN, PDAM, BPJS, internet/TV, pulsa & data, e‑wallet, game vouchers, and more) via dashboard and APIs.
Sign up → Complete KYB/KYC → Deposit balance → Choose product access (bills/top-ups) → Start transacting from the dashboard or integrate the API. A sandbox is available for testing before going live.
PLN (postpaid & token), PDAM, BPJS Kesehatan, internet/TV (Indihome, First Media, etc.), multifinance installments, pulsa & data (all major operators), e-wallet top-ups (OVO, GoPay, DANA, ShopeePay), and popular game vouchers.
Default settlement is H+1 business day. For eligible partners with volume and risk review, we provide H+0 cutoffs. Settlement reports are downloadable from the dashboard.
We use flexible fee templates per product (fixed fee or percentage). For agent networks, you can set multi-tier margins/commissions per outlet. Contact us to get a tailored price sheet.
Our target service uptime is 99%+ monthly with proactive monitoring and automatic retries to reduce failures from upstream billers. Incident notices and postmortems are shared for major events.
Generate API keys in the dashboard, use our REST endpoints, and register a webhook URL to receive transaction status updates (success, pending, failed/reversed). SDK examples and Postman collections are provided.
If a transaction fails after debit, our system automatically performs reversal when supported by the biller. Otherwise, the balance is returned to your float and reflected in reconciliation reports.
Yes. Download daily statements, settlement summaries, and dispute logs in CSV/XLS. You can also pull data via reporting API for automated back-office processes.
We apply TLS encryption, IP whitelisting, signed webhooks, audit logs, and role-based access. We follow Indonesian regulations and integrate with regulated billers/acquirers.
For businesses: legal entity docs (Akta, NIB, NPWP), authorized signatory ID, and bank account. For agents/individuals: government ID, selfie/verification, and bank account. Additional docs may be requested per product.
Submit tickets via the dashboard or email. For priority issues, use the on-call hotline available to enterprise plans. We publish incident updates and ETAs during service disruptions.