# Onboard to Finpay

## Create Account

To start transacting with Finpay, you first need to create an account. Follow the steps below.

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#### Visit Finpay Dashboard

Visit our [Dashboard](https://dashboard.finpay.id/register) to start your registration.
{% endstep %}

{% step %}

#### Submit the Required Information

Fill out the registration form with your full name, business name, business email, business phone number, and password. You’re also required to accept our Terms & Conditions before registering.
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#### Verify your Email

Verify your email by entering the OTP sent to your email.
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#### Access Our Sandbox Environment

You can now access our services in the sandbox environment using the account you created, and start testing in your development environment.
{% endstep %}
{% endstepper %}

## Activate Account

You can only transact in the live environment (real money) after your business is fully activated. To activate your account, sign in to your dashboard, select **Activate my Business** on the homepage, and complete the following steps:

1. [Select your Business Account Type](#select-your-business-account-type)
2. [Submit business information](#submit-business-information)
3. [Upload required documents](#upload-required-document)
4. [Wait for verification status](#wait-for-verification-process)
5. [Finalize the service agreement](#finalize-service-agreement-with-finpay)

### Select your Business Account Type

Finpay accepts five business account types:

* Corporation (PT, CV, PMA)
* Individual Corporation (Perusahaan Perorangan)
* Charity (Yayasan)
* Cooperation (Koperasi)
* Foreign Entity (Badan Usaha Asing)

{% hint style="info" %}
Per January 2026, Finpay Dashboard onboarding is intended for **business entities**. For **personal / individual** usage, register via [Mitra Finpay](https://webmitra.finpay.id/login).
{% endhint %}

<table><thead><tr><th>Business Account Type</th><th>Description</th><th data-hidden></th></tr></thead><tbody><tr><td>Corporation</td><td>Indonesian company entity, such as <strong>PT</strong>, <strong>CV</strong>, or <strong>PMA</strong>. Choose this for standard corporate onboarding and API integration.</td><td></td></tr><tr><td>Individual Corporation</td><td><em>Perseroan Perseorangan (PP)</em>. A business registered under an individual owner, but formed as a legal business entity. Common for micro and small businesses that still need a business account.</td><td></td></tr><tr><td>Charity</td><td><em>Yayasan</em> (education, health, religious, social). Choose this for non-profit entities that collect and manage funds as an institution.</td><td></td></tr><tr><td>Cooperation</td><td><em>Koperasi</em>. Choose this if your organization is registered as a cooperative.</td><td></td></tr><tr><td>Foreign Entity</td><td>Company incorporated outside Indonesia. Choose this if your legal entity is overseas and you need entity-level onboarding (requirements depend on the partnership and business model).</td><td></td></tr></tbody></table>

### Submit Business Information

Finpay requires businesses to provide the business information below:

<table><thead><tr><th width="249.58331298828125">Information Type</th><th>Description</th></tr></thead><tbody><tr><td>Director/Owner Name*</td><td>Full name of the director/owner</td></tr><tr><td>Identity Number/Passport Number*</td><td>KTP identity number or passport number of the director/owner</td></tr><tr><td>Business Name*</td><td>Your business name</td></tr><tr><td>Business Segment*</td><td>Your business segment</td></tr><tr><td>Business Criteria*</td><td>Your business size based on yearly transaction value:<br>- Micro (&#x3C; Rp 2,000,000,001)<br>- Small (Rp 2,000,000,001 - 15,000,000,000)<br>- Medium (Rp 15,000,000,001 - Rp 50,000,000,000)<br>- Government Bodies<br>- Public Service Obligation</td></tr><tr><td>Business Address*</td><td>Your business address (must be in Indonesia)</td></tr><tr><td>Postal Code*</td><td>Postal code of your business address</td></tr><tr><td>Website Link*</td><td>Your website link to prove business legitimacy</td></tr></tbody></table>

### Upload Required Document

{% tabs %}
{% tab title="Corporation" %}

| Document Name                                                  | Additional Information                                                                                                                              |
| -------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------- |
| Owner/Director Identity\*                                      | KTP/Passport of the Owner/Director                                                                                                                  |
| Entity Tax Document\*                                          | Entity NPWP (Nomor Pokok Wajib Pajak)                                                                                                               |
| NIB (Nomor Induk Berusaha)\*                                   | Risk-based business permit issued by BKPM (Badan Koordinasi Penanaman Modal).                                                                       |
| Akta Pendirian Perusahaan\*                                    |                                                                                                                                                     |
| Akta Anggaran Dasar\*                                          |                                                                                                                                                     |
| Akta Perubahan Anggaran and/or Perubahan Pengurus Terakhir\*\* | Conditional - only required if there's any changes in the entity                                                                                    |
| SK Kemenkum\*                                                  | Document issued by Kemenkum (Kementerian Hukum) to validate your business. Access [here](https://ahu.go.id/) for registration and more information. |
| Surat Keterangan Domisili Usaha                                | Statement letter issued by the local government bodies/building management that state your business is indeed located in the designated address     |
| Surat Tanda Terdaftar PSE                                      | Permit issued by Kominfo to operate digital platform. See the guide and register [here](https://pse.komdigi.go.id/home) if you don't have one.      |
| Business Permit according to Business Sector\*\*               | Required permit for certain business sectors                                                                                                        |

<sub>*\*Mandatory;*</sub><sub>*&#x20;*</sub><sub>***\*\****</sub><sub>*Conditional*</sub>
{% endtab %}

{% tab title="Individual Corporation" %}

| Document Name                   | Information                                                                                                                                         |
| ------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------- |
| Owner/Director Identity\*       | KTP/Passport of the Owner/Director                                                                                                                  |
| Entity Tax Document\*           | Entity NPWP (Nomor Pokok Wajib Pajak)                                                                                                               |
| NIB (Nomor Induk Berusaha)\*    | Risk-based business permit issued by BKPM (Badan Koordinasi Penanaman Modal).                                                                       |
| SK Kemenkum\*                   | Document issued by Kemenkum (Kementerian Hukum) to validate your business. Access [here](https://ahu.go.id/) for registration and more information. |
| Surat Keterangan Domisili Usaha | Statement letter issued by local government bodies stating your business is located at the designated address                                       |
| Surat Tanda Terdaftar PSE\*     | Permit issued by Kominfo to operate digital platform. See the guide and register [here](https://pse.komdigi.go.id/home) if you don't have one.      |

<sub>*\*Mandatory;*</sub><sub>*&#x20;*</sub><sub>***\*\****</sub><sub>*Conditional*</sub>
{% endtab %}

{% tab title="Charity" %}

| Document Name                                                  | Additional Information                                                                                                                              |
| -------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------- |
| Owner/Director Identity\*                                      | KTP/Passport of the Owner/Director                                                                                                                  |
| Entity Tax Document\*                                          | Entity NPWP (Nomor Pokok Wajib Pajak)                                                                                                               |
| NIB (Nomor Induk Berusaha)\*                                   | Risk-based business permit issued by BKPM (Badan Koordinasi Penanaman Modal).                                                                       |
| Tanda Daftar Yayasan\*                                         | Document issued by the local government for charity. Check local government website for the requirement.                                            |
| Akta Pendirian Yayasan\*                                       |                                                                                                                                                     |
| Akta Perubahan Anggaran and/or Perubahan Pengurus Terakhir\*\* | Conditional - only required if there's any changes in the entity                                                                                    |
| SK Pengesahan Kemenkum\*                                       | Document issued by Kemenkum (Kementerian Hukum) to validate your business. Access [here](https://ahu.go.id/) for registration and more information. |
| Surat Keterangan Domisili Usaha                                | Statement letter issued by the local government bodies/building management that state your business is indeed located in the designated address     |
| Surat Tanda Terdaftar PSE\*                                    | Permit issued by Kominfo to operate digital platform. See the guide and register [here](https://pse.komdigi.go.id/home) if you don't have one.      |

<sub>*\*Mandatory;*</sub><sub>*&#x20;*</sub><sub>***\*\****</sub><sub>*Conditional*</sub>
{% endtab %}

{% tab title="Cooperation/Koperasi" %}

| Document Name                                                  | Additional Information                                                                                                                              |
| -------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------- |
| Owner/Director Identity\*                                      | KTP/Passport of the Owner/Director                                                                                                                  |
| Entity Tax Document\*                                          | Entity NPWP (Nomor Pokok Wajib Pajak)                                                                                                               |
| NIB (Nomor Induk Berusaha)\*                                   | Risk-based business permit issued by BKPM (Badan Koordinasi Penanaman Modal).                                                                       |
| Akta Pendirian Badan Usaha\*                                   |                                                                                                                                                     |
| Akta Anggaran Dasar\*                                          |                                                                                                                                                     |
| Akta Perubahan Anggaran and/or Perubahan Pengurus Terakhir\*\* | Conditional - only required if there's any changes in the entity                                                                                    |
| SK Pengesahan oleh Kemenkum\*                                  | Document issued by Kemenkum (Kementerian Hukum) to validate your business. Access [here](https://ahu.go.id/) for registration and more information. |
| Surat Keterangan Domisili Usaha\*                              | Statement letter issued by the local government bodies/building management that state your business is indeed located in the designated address     |
| Surat Tanda Terdaftar PSE\*                                    | Permit issued by Kominfo to operate digital platform. See the guide and register [here](https://pse.komdigi.go.id/home) if you don't have one.      |
| Business Permit according to Business Sector\*\*               | Required permit for certain business sectors                                                                                                        |

<sub>*\*Mandatory;*</sub><sub>*&#x20;*</sub><sub>***\*\****</sub><sub>*Conditional*</sub>
{% endtab %}

{% tab title="Foreign Entity" %}

| Document Name                                        | Additional Information                                                                                                                         |
| ---------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------- |
| Owner/Director Identity\*                            | Passport of the Owner/Director                                                                                                                 |
| Entity Tax Document\*                                | Entity NPWP (Nomor Pokok Wajib Pajak)                                                                                                          |
| Legal Business Document from the Country of Origin\* | Legalized business document from the country of origin                                                                                         |
| Surat Tanda Terdaftar PSE\*                          | Permit issued by Kominfo to operate digital platform. See the guide and register [here](https://pse.komdigi.go.id/home) if you don't have one. |
| Business Permit according to Business Sector\*\*     | Required permit for certain business sectors                                                                                                   |
| Business Activities Document in Bahasa Indonesia     | Document that explains the entity's business activities in Bahasa Indonesia                                                                    |

<sub>*\*Mandatory;*</sub><sub>*&#x20;*</sub><sub>***\*\****</sub><sub>*Conditional*</sub>
{% endtab %}
{% endtabs %}

### Wait for Verification Process

It may take 1–2 business days for your account to be fully processed. There are three possible verification outcomes:

1. **Success**\
   Your legal and business information has been verified. You can proceed to finalize the service agreement with Finpay.
2. **Pending**\
   Your legal and business information is being verified by our team. Please wait 1–2 business days for processing.
3. **Failed**\
   Your application has been rejected. Review the rejection reason in the dashboard to understand why.

### Finalize Service Agreement with Finpay

As the last step of the onboarding process, you must finalize the service agreement with Finpay. Contact your Account Manager (AM) to complete this step.


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