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The global e-commerce payment ecosystem is undergoing profound structural changes. Its development is no longer driven solely by the iteration of payment tools, but increasingly by digital technology, user data, and innovative business models. Payment systems are moving beyond their traditional role as transaction endpoints and are becoming deeply embedded within the broader commercial ecosystem, serving as a key enabler of seamless user experiences and cross-border commerce.
In the Indonesian market, ATM Bersama, a leading local payment method, is an important transformation driver. In 2022, the total transaction value of ATM and debit card payments in Indonesia reached approximately IDR 7.92 quadrillion, highlighting the extensive penetration of and consumers' strong reliance on the country's payment infrastructure. Operated by PT Artajasa Pembayaran Elektronis, ATM Bersama is Indonesia's first and largest interbank switching network, connecting numerous banks and non-bank financial institutions to form a highly efficient nationwide payment ecosystem. Other electronic transaction service providers, including Prima, ATM Link, and Alto, also support interbank transactions across different payment scenarios, collectively contributing to Indonesia's transition towards a cashless society.
As financial technology continues to advance, Indonesian consumers are placing greater emphasis on transaction speed, security, and accessibility. As one of the country's core financial transfer networks, ATM Bersama supports a broad range of cashless payment services, including interbank transfers, cardless cash withdrawals, and QR code payments. Its key advantage lies in its ability to enable real-time interbank transfers, allowing users to seamlessly transfer funds between different bank accounts without the need to visit a physical branch.
ATM Bersama's network has covered every corner of Indonesia. Today, the network connects more than 80 banks and over 77,000 ATMs nationwide, covering remote and underserved areas as well. This extensive interconnected infrastructure enables users to conduct transactions anytime and anywhere, significantly reducing reliance on their own bank's ATM network while further strengthening the accessibility and inclusiveness of Indonesia's payment ecosystem.
By accelerating the digitalisation of financial transactions across the country, ATM Bersama has become an integral part of Indonesia's national payment system, providing consumers with convenient cashless transaction services.
Properties
The following table lists the product properties supported by ATM Bersama:
|
Payment type |
Online banking |
||
|
Acquirer |
AntomSG, AntomUS |
Refund |
❌ |
|
Merchant entity location |
SG, HK, US
|
Partial refund |
❌ |
|
Buyer country/region |
Indonesia |
Refund period |
❌ |
|
Processing currency |
IDR |
Time to return refund result |
❌ |
|
Payment flow |
Redirect |
Time to return payment result |
Real-time |
|
Minimum payment amount |
IDR 10,000 |
Chargeback/Dispute |
❌ |
|
Maximum payment amount |
IDR 100,000,000 |
Default timeout |
48 hours |
User experience
Note: The following payment flows on different terminals are for reference only. For supported merchants' terminal types, consult Antom Technical Support.
The following screenshots show the journey of paying with ATM Bersama through web and WAP.
Web
WAP
1. The buyer selects ATM Bersama to pay.
2. The buyer obtains the payment code and completes the offline payment through an ATM.
FAQ
1. What are the advantages of interbank transfers through ATM Bersama?
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Fast and real-time: Transactions are typically completed within seconds.
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Quick and accessible: Services are available through tens of thousands of ATMs across Indonesia.
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Multiple transaction channels: In addition to ATMs, users can also complete interbank transfers via mobile banking and online banking platforms.
2. What is the difference between ATM Bersama and other payment methods in Indonesia? Is it worth integrating the service?
The core advantage of ATM Bersama lies in its greatest bank account coverage, making it highly suitable for Indonesian consumers who prefer using their bank accounts for transactions. It complements local e-wallets such as GoPay and OVO, allowing merchants to achieve broader coverage of Indonesia's mainstream payment methods after integration and maximise access to local consumer segments.
3. Is the transaction process of ATM Bersama complicated? Is it complicated for users?
The payment flow is designed around the familiar banking habits of Indonesian users and is highly intuitive. After selecting ATM Bersama at Antom Checkout, users simply complete the payment through their bank's mobile banking app or ATM transfer service using the provided transfer instructions. The entire process is straightforward and requires no additional learning.
4. Is ATM Bersama secure?
ATM Bersama adopts a robust security framework that includes data encryption, two-factor authentication, and anti-fraud protection measures to safeguard every transaction. In addition, features such as SMS and email transaction notifications help users monitor their account activity in real time.
