OVO
OVO is an Indonesian digital payment platform that allows users to make mobile payments, transfer funds, and access financial services directly from their smartphones.
OVO is an Indonesian digital payment platform that allows users to make mobile payments, transfer funds, and access financial services directly from their smartphones. As a PSP, OVO provides secure, real-time transaction processing, supporting payments at retail stores, online merchants, and utility bill payments. Popular in Indonesia, OVO offers an easy-to-use wallet service with features such as rewards, cashback, and credit services. For businesses, OVO provides a simple, integrated payment method, making it an essential solution for reaching mobile-first consumers in Indonesia.
payment methods
markets
currencies
sectors served
built on
What OVO costs
OVO quotes per merchant. What you are offered depends on your volume, your industry, the countries you sell in, your card mix and your risk profile — so a published headline rate would not be your rate. Ask them for a quote against your own numbers.
What you need to onboard
N/A
What the last check found
OVO is Indonesia's domestic e-money wallet, issued by PT Visionet Internasional, a Jakarta company founded inside Lippo Group and majority-owned by Grab since 2021 (90%, after Grab bought out Tokopedia's and Lippo's stakes). It launched in September 2017 under a Bank Indonesia e-money licence. The recorded ID/IDR values are correct and the website agrees with them, so there is no Tpay-style collision — but two unrelated OVOs do exist: OVO Energy in the UK, and OVO Finance Indonesia, a multifinance firm whose OJK licence was revoked in 2021 and which the wallet has publicly disowned.
What OVO publishes is thin for a wallet this size: no coverage page, no currency list, no market list, no licence number on its own site. Its sitemap.xml still carries a 2021 lastmod and is essentially a help-centre dump; /llms.txt does not exist. The ID/IDR footprint is therefore inferred from what it does publish — a fee schedule denominated entirely in Rupiah (Rp 2,500 per bank transfer out, 3.5% on card top-ups, merchant transactions free) and merchant onboarding that accepts only Indonesian documents: KTP, NPWP, NIB/SIUP/TDUP, PT deeds of establishment. Acquirer docs corroborate: Xendit types it ID/IDR, limits IDR 100–20,000,000, settlement T+1, refunds merchant-initiated and valid 90 days.
It is directly integrable. ovo.id/partner-integration is a genuine developer portal with four products — Payment API, Customer Topup, Dynamic QRIS, Push To Pay — all built to Bank Indonesia's SNAP open-API standard, with a Postman collection and a published onboarding path. The consequence matters: integrating OVO directly means passing a BI/ASPI SNAP conformance test, not just OVO's UAT, with production credentials quoted at up to six working days. Small-merchant acceptance is Grab's — individuals register in the GrabMerchant app and are paid over QRIS. OVO settles D+1 on workdays and reconciles on partnerReferenceNo. No published evidence it participates in QRIS cross-border.
Checked against OVO’s own documentation on 20 October 2026. Coverage changes; confirm anything you are about to build on.
People at OVO
See allNobody from OVO has confirmed a work email here yet.
Work here? Confirm itSimilar to OVO
Sources · 17
- Antom Docs — payment methods · docs.antom.comUsed for buyer countries, merchant entity locations and processing currencies for OVO, as Antom documents itChecked 20 October 2026
- Nuvei — APMs per currency and country (January 2026) · docs.nuvei.comUsed for countries, currencies and whether the method supports deposits, refunds and withdrawals for OVO, as Nuvei documents itChecked 20 October 2026
- Airwallex Docs — payment methods · airwallex.comUsed for shopper locations and presentment currencies for OVO, as Airwallex documents itChecked 20 October 2026
- OVO — official site (PT. Visionet Internasional) · ovo.idUsed for Confirms the listing's website is the Indonesian wallet: Indonesian-language site, Rp pricing, operator PT. Visionet Internasional, merchant and partner-integration sections. No country or currency list anywhere on it.Checked 20 October 2026
- OVO Partner Integration Documentation · ovo.idUsed for Proves direct integrability: a developer portal indexing four products — SNAP Payment API, SNAP Customer Topup, SNAP Dynamic QRIS, Push To Pay.Checked 20 October 2026
- OVO SNAP Open API / Payment API Integration · ovo.idUsed for BI SNAP standard; account-linkage, payment, refund (full/partial, D+60) features; D+1 workday settlement; reconciliation on partnerReferenceNo mapped to MerchantInvoice; onboarding SLAs including BI/ASPI verification and up to 6 working days for production credentials; Postman collection and BI submission test.Checked 20 October 2026
- OVO — Join As Merchant · ovo.idUsed for Indonesia-only onboarding evidence: individual vs non-individual merchants, QRIS payout, required KTP/KITAS, NPWP, NIB/SIUP/TDUP/TDY, PT deeds; registration via GrabMerchant app; [email protected]. States no country or currency.Checked 20 October 2026
- OVO — Biaya Layanan (service fees) · ovo.idUsed for Currency evidence (all fees in Rupiah): free merchant transactions, 3.5% card top-up, Rp 2,500 transfer to bank, OVO PayLater fees — confirming OVO PayLater is a live product.Checked 20 October 2026
- ovo.id sitemap.xml · ovo.idUsed for Evidence that no coverage page exists: a 2021-dated sitemap of ~400 URLs that are almost entirely help-centre articles, with no supported-countries or currencies page. /llms.txt returns the SPA homepage, i.e. does not exist.Checked 20 October 2026
- Xendit docs — OVO · docs.xendit.coUsed for Independent acquirer typing: country ID, currency IDR, e-wallet, one-off and tokenized flows, IDR 100–20,000,000 limits, T+1 settlement, merchant-initiated refunds valid 90 days.Checked 20 October 2026
- Tazapay — ovo_idr · developer.tazapay.comUsed for Second acquirer source: Indonesia as the only geography, redirect checkout, full and partial refunds, no disputes/chargebacks.Checked 20 October 2026
- Antom — Understanding OVO, Indonesia's leading e-wallet · knowledge.antom.comUsed for Jakarta-based PT Visionet International; scale (>110m users, ~300 Indonesian cities, >1.3m QRIS merchants); acceptance routes (POS, platforms, PSPs, direct API); makes no claim of availability outside Indonesia.Checked 20 October 2026
- OVO (payment service) — Wikipedia · en.wikipedia.orgUsed for Ownership history (Lippo founding, Tokyo Century, Tokopedia, Grab to 90% in October 2021), September 2017 launch, Bank Indonesia e-money licence, Indonesia-only operation.Checked 20 October 2026
- Grab to consolidate Superbank, Indonesia (Fintech News Singapore) · fintechnews.sgUsed for Current Grab control (90% of OVO) and the Superbank lending product surfaced inside the OVO app, completing May 2026.Checked 20 October 2026
- OVO Tegaskan Tidak Memiliki Kaitan Apapun dengan OVO Finance Indonesia · bareksa.comUsed for Name-collision warning: OVO Finance Indonesia is an unrelated multifinance company whose licence was revoked; not the wallet.Checked 20 October 2026
- Bank Indonesia — QRIS Antarnegara (cross-border QRIS) · bi.go.idUsed for Cross-border QRIS exists for Malaysia, Thailand and Singapore but only for participating domestic apps; no source shows OVO as a participant, so no extra countries were added.Checked 20 October 2026
- OVO (disambiguation) — Wikipedia · en.wikipedia.orgUsed for Collision check: enumerates all nine entities named OVO; the only payments/fintech one is the Indonesian company. OVO Energy (UK) is a gas and electricity supplier, OVO Sound (Canada) a record label — no same-named payment company exists in another region.Checked 20 October 2026
17 sources · last checked 21 October 2026 — each one says which claim it supports.
Compiled from public sources — verify with OVO before you sign anything. How we compile this · Suggest a correction ·