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NUSAKTI ONE
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Payment Process

The full enterprise payment process

Every payment on NUSAKTI ONE follows a documented, auditable workflow — designed for regulated payment gateway partners, banks and enterprise reviewers.

Payment Gateway Integration Ready. NUSAKTI ONE is engineered for direct integration with licensed payment gateways. Settlement files, signed webhooks and reconciliation reports are available for partner review on request.

End-to-end payment workflow

STEP 01
Payment Requested

Upon agreement and PO, a payment is requested with reference, currency, amount, due date and tax breakdown.

STEP 02
Invoice Issued

A compliant invoice is generated (PDF + structured JSON) including operator entity, NPWP, line items and bank/VA details.

STEP 03
Payment Link

An expiring, signed payment link is generated and delivered via email and dashboard, scoped to a single invoice and counterparty.

STEP 04
Buyer Pays

Buyer pays via VA, QRIS, card or corporate transfer. Webhook events from the gateway are signed, verified and audit-logged.

STEP 05
Settlement

Once funds clear, settlement is reconciled to the invoice. T+1 / T+2 disbursement to operator account or escrow per agreement.

STEP 06
Confirmation

Payer and payee receive a signed receipt. Status flips to Settled and triggers downstream project execution.

STEP 07
Project Execution

Settlement releases milestones for execution. Each milestone is countersigned before further disbursement.

Supported payment methods

Virtual Account
BCA · Mandiri · BNI · BRI · Permata · CIMB Niaga
QRIS
Indonesia national QR standard, all licensed issuers
Credit Card
Visa · Mastercard · JCB · Amex (3DS 2.0)
Debit Card
Domestic & international debit networks
Corporate Transfer
SWIFT / RTGS / SKN for enterprise settlements

Future gateway integration

Xendit
Primary domestic gateway · ID & PH
Midtrans
Secondary domestic gateway · ID
PassimPay
Crypto settlement rails · pilot
Wise
Cross-border payouts & FX
Stripe
International card acquiring

Refund handling

  • Refund Window
    Refunds may be requested within 14 calendar days of payment for undelivered scope, with documented justification.
  • Review
    Compliance + Finance review supporting documents and counterparty confirmation within 5 business days.
  • Execution
    Approved refunds are processed back to the originating payment method within 7 business days (faster for VA / domestic).

Dispute resolution

  • Notice
    Either party may raise a dispute via the workspace. The transaction is paused and escalated to the disputes desk.
  • Mediation
    Operator-led mediation within 10 business days, with documented exchange of evidence and counterparty statements.
  • Resolution
    Outcome is binding within the platform and may include partial refund, replacement, settlement adjustment or chargeback handling with the gateway.