Comply with Bank Indonesia Regulation No. 10/2025 on Payment Service Providers (PJP) using AI-powered licensing, governance, risk management, and reporting workflows—built for Indonesian fintech and banking.
Manual interpretation of PBI 10/2025 across hundreds of provisions is slow, expensive, and risky. Bitlion AI changes everything.
Mapping every business process to PBI 10/2025 articles, OJK references, and BI circulars by hand consumes months of legal and compliance effort.
Hiring BI-experienced regulatory advisors and law firms can cost hundreds of millions of rupiah, with no guarantee that your licensing submission will be approved.
Without a structured approach, many PJPs face revisions or rejections from Bank Indonesia—delaying go-live and damaging stakeholder confidence.
Our AI maps your products, channels, and operations directly to PBI 10/2025 obligations and generates the documentation expected by Bank Indonesia.
Get licensing-ready in weeks, not months. Pre-built templates accelerate Persetujuan, Penetapan, and routine BI reporting cycles.
Achieve PJP compliance at a fraction of the cost of traditional consultancy and law-firm engagements—with predictable monthly pricing.
PBI 10/2025 classifies Payment Service Providers into 3 license categories based on the scope of activities. Each category carries different obligations on capital, governance, risk management, and reporting.
Issuers and source-of-funds administrators: providers that issue payment instruments and hold/administer end-user funds (e.g. e-money, e-wallet, card issuing, deposit & withdrawal services). The strictest tier — highest capital, governance, and consumer-protection requirements.
Acquirers and merchant-facing providers: PJPs that contract with merchants to accept payment and route transactions to issuers/switching networks (e.g. card acquiring, payment gateway, QRIS merchant aggregators). Mid-tier requirements — strong settlement, fraud, and merchant-onboarding controls.
Transfer-of-funds and other supporting providers: PJPs running fund-transfer/remittance services, payment initiation, account information services, and other supporting payment activities defined by Bank Indonesia. Lighter-tier capital, but still subject to AML/CFT, consumer-protection, and reporting obligations.
Belum yakin masuk kategori PJP yang mana? Tim kami akan membantu mengklasifikasi cakupan PJP Anda sesuai PBI 10/2025.
Diskusikan Klasifikasi PJP AndaEverything you need to obtain, maintain, and report your PJP license under PBI 10/2025
Pustaka kebijakan, SOP, dan manual tata kelola PJP yang sudah disusun mengikuti format dan ekspektasi Bank Indonesia—direviu konsultan senior berpengalaman engagement BI sebelum diserahkan.
Penyusunan Strategic Business Plan (SBP) dan Rencana Bisnis Strategis Penyelenggara (RBSP) yang wajib dilaporkan PSP ke Bank Indonesia—lengkap dengan asumsi proyeksi, rencana modal, dan key risk indicators.
Identifikasi, klasifikasi, dan pemantauan risiko vendor, outsourcing, dan mitra integrasi—mencakup due diligence onboarding, kontrak, monitoring berkala, dan exit strategy sesuai ketentuan kerjasama PBI 10/2025.
Kerangka ERM end-to-end yang mencakup risiko operasional, siber, kepatuhan, hukum, strategis, dan reputasi—dengan risk register, heatmap, dan KRI yang selaras dengan SE/PADG manajemen risiko BI.
Pemantauan transaksi real-time untuk fraud, deteksi pola mencurigakan, screening APU/PPT (PEP, sanctions list), serta otomasi pelaporan LTKM/LTKT ke PPATK dan insiden ke Bank Indonesia.
Satu pusat kendali untuk seluruh kewajiban PJP Anda: status perizinan, tenggat pelaporan ke BI, kesehatan kontrol, tindakan remediasi, dan jejak audit—visibilitas real-time untuk manajemen dan auditor.
Ready to see these features in action?
Get a Personalized DemoSave hundreds of hours while building a robust PBI 10/2025 compliance program.
Book Your ConsultationEach benefit has its own space—read one focus at a time.
Quality you can rely on
Pekerjaan Anda ditangani spesialis kepatuhan dan regulasi BI penuh waktu yang fokus 100% pada perizinan PJP. Bukan konsultan freelance yang membagi perhatiannya ke banyak klien—Anda dapat akses langsung ke senior yang menangani submission Bank Indonesia sebelumnya.
Bertemu Tim KamiTech ready for BI standards
Kami mendampingi pemetaan dan implementasi teknis ke standar Bank Indonesia: GPN, QRIS, BI-FAST, BI-RTGS, ISO 20022, kanal pelaporan, hingga arsitektur DRC dan data residency yang dipersyaratkan—agar sistem pembayaran Anda compliant by design.
Diskusikan Stack AndaPricing you can plan around
Lingkup pekerjaan, deliverables, dan biaya disepakati dan dikunci di awal kontrak—tanpa biaya tersembunyi atau add-on di tengah jalan. Anda bisa menganggarkan dengan percaya diri dari hari pertama hingga persetujuan perizinan BI.
Minta Rincian BiayaHear what fintech and banking leaders say about Bitlion
"Bitlion membantu kami menavigasi PBI 10/2025 dengan struktur yang jelas. Proses perizinan yang biasanya panjang menjadi jauh lebih efisien."
Compliance Director, PT Pembayaran Nusantara
"Fitur AI sangat membantu kami memetakan operasi acquiring & issuing ke kewajiban PJP secara otomatis."
Head of Compliance, PT Fintech Sejahtera
"Tim Bitlion paham sekali ekspektasi BI. Setiap revisi dokumen kami diarahkan dengan tepat."
Legal Manager, PT Digital Nusantara
"Dashboard kewajiban pelaporan ke BI membuat tim compliance kami selalu on-track tanpa drama deadline."
Risk Lead, PT Cyber Aman
"Persiapan inspeksi BI menjadi jauh lebih lancar dengan sistem dokumentasi otomatis dari Bitlion."
Compliance Manager, PT Sistem Andal
"Implementasi PBI 10/2025 yang tadinya terasa berat menjadi lebih terstruktur dan mudah dengan Bitlion."
Director, PT Inovasi Bayar
"Fitur manajemen risiko yang langsung terhubung ke kontrol PJP sangat memudahkan tim kami."
Risk Officer, PT Data Aman
"Platform yang user-friendly dengan template kebijakan PJP yang siap pakai."
CEO, PT Solusi Bayar
"Bitlion membantu kami melewati persetujuan BI lebih cepat dari estimasi internal."
COO, PT Digital Maju
"Dengan Bitlion, dokumentasi dan pemantauan kepatuhan PJP menjadi jauh lebih efisien."
CTO, PT Sistem Cerdas
"Tim support Bitlion sangat membantu di setiap tahap persiapan perizinan PJP kami."
IT Director, PT Maju Digital
"Analisis risiko otomatis sangat membantu dalam identifikasi dan mitigasi risiko fraud transaksi."
Risk Manager, PT Aman Data
"Dashboard kepatuhan memberikan visibilitas yang jelas terhadap status implementasi PBI 10/2025."
Compliance Lead, PT Tech Solusi
"Integrasi dengan core payment system kami berjalan lancar tanpa mengganggu operasional."
CIO, PT Nusantara Pay
"Laporan internal & laporan ke BI yang dihasilkan sangat detail dan memenuhi semua persyaratan."
Audit Manager, PT Audit Pro
We've streamlined the process to save you weeks of work
Fast setup of your compliance workspace and AI-powered classification of your PJP category and licensing perimeter.
AI-powered assessment of your current state against PBI 10/2025 articles, with a prioritized remediation roadmap.
Automated policy, SOP, and licensing-package generation with AI assistance and senior consultant review.
Final preparation of your PJP submission to Bank Indonesia and on-site inspection support until approval.
Everything you need to know about PBI 10/2025 PJP compliance with Bitlion AI
Realistically, end-to-end PJP licensing with Bank Indonesia takes around 1.5–2 years on average—covering pre-application preparation, document submission, BI clarification rounds, on-site inspection, and final approval. Bitlion does not shortcut Bank Indonesia's review timeline. What we help with is the part you control: making documentation more structured and predictable, reducing avoidable revision cycles, and pairing your team with senior consultants who have walked through prior BI engagements. Actual duration still varies by your business model, readiness, and BI's review workload.
PBI 10/2025 governs Penyelenggara Jasa Pembayaran end-to-end: licensing & category classification, governance, capital & ownership requirements, risk management (operational, fraud, cyber, AML/CFT, outsourcing), consumer protection, transaction security, data residency & reporting obligations to Bank Indonesia. Bitlion maps each obligation to your business and generates the required documentation.
No. Our platform is built for compliance and operations professionals, not lawyers. The AI guides you in plain Bahasa Indonesia or English and automates documentation. Senior consultants familiar with Bank Indonesia processes back you up at every milestone.
Documents are drafted against the current text of PBI 10/2025 and supporting BI circulars (PADG / SE BI), then reviewed by senior consultants before they reach Bank Indonesia. AI accelerates drafting and consistency, but final accuracy and accountability rests with the consultant review and your internal sign-off—we do not claim a guaranteed pass rate, since every submission is judged on its own merits by BI.
Every package includes expert support from senior consultants experienced with Bank Indonesia engagements. You get live chat, video consultations, mock interviews, and on-site support during the BI inspection or licensing review.
Bitlion continues to monitor your obligations: periodic reports to BI, governance reviews, fraud and incident reporting, and product launch persetujuan. Maintaining the license is just as important as obtaining it.
No, final decisions on PJP licensing rest entirely with Bank Indonesia. What we do commit to is professional support from a senior specialist team, documentation carefully prepared and aligned with PBI 10/2025 expectations, and end-to-end accompaniment throughout the engagement—from pre-submission preparation through clarification rounds and follow-up reviews with BI, within the agreed contract scope.
No. Bank Indonesia does not charge any fee for the PJP licensing process itself—the entire BI licensing process is free of charge. The price you pay only covers the Bitlion compliance platform and consultancy services; there are no separate BI fees on top of our engagement.
Speak with our regulatory and compliance specialists about your PJP scope, licensing perimeter, risk management, and Bank Indonesia roadmap—powered by Bitlion AI and senior consultant guidance.
Request a consultation to see what is possible for your organization.
Join Indonesian fintechs and banks that trust Bitlion for their PJP compliance program
