LinkAja
LinkAja, established in 2019 by a group of state-owned enterprises, is one of the top 5 wallets in Indonesia. It’s designed to broaden financial inclusion by not requiring consumers to have a bank account in the country where 48% of the population is unbanked.
Properties
The properties of the LinkAja payment method are shown in the following table:
Payment type | Wallet | ||
Acquirer | AlipaySG | Acquiring region | SG, AU, HK |
Payment flow | Redirect | Cashier Payment | ✔️ |
Supported country | Indonesia | Auto Debit | ❌ |
Funds deduction | Real-time | Refund | ❌ |
Supported currency | IDR | Partial refund | ❌ |
Minimum payment amount | 1 IDR | Chargeback | ❌ |
Maximum payment amount | 2,000,000 IDR for non-KYC user; 20,000,000 IDR for KYC users | ||
User experience
The following screenshots show the journey of paying with LinkAja:
Figure 1. Payment process with LinkAja