A. General FAQ
1. What is B-Secure?
- B-Secure is a security technology in e-commerce transactions, which uses 2 Factor Authentications (2FA) such as OTP.
- B-Secure provides convenience and security in the use of GPN Debit Cards to Indonesian e-commerce customers.
- In addition, people can transact directly from the e-commerce website or mobile app without the need to switch applications.
2. What features does B-Secure have?
As a payment method, B-Secure provides a system so that people can:
1.Shop in e-commerce both website and mobile app
2. Pay bills via website or mobile app
3. Top up electronic money balance or e-commerce balance.
3. Who are the users of B-Secure?
B-Secure can be utilized by:
1. NPG Card Issuing Bank
2. Payment Gateway
3. Merchant Aggregator
4. People who shop on e-commerce
4. Where can I find B-Secure merchants?
B-Secure merchants are spread throughout Indonesia and will continue to grow. Click Here to find out more about B-Secure Merchants. (goes to the answer of Question C.1.)
5. Where can I find B-Secure payment methods?
There are many mentions of B-Secure payment methods, some of which are:
1. Debit Card
2. ATM Bersama Debit Card
3. B-Secure
6. How secure is B-Secure?
B-Secure has met the PCI-DSS standard which covers the security of online transactions using cards. (B-Secure PCI-DSS Certification) -> hyperlink to the certificate.
7. How is B-Secure different from other Online Debits?
Utilizing the ATM Bersama network that has been connected with XX Banks and a wide ecosystem of partners, B-Secure does not only support the security of certain banks. In the long run, B-Secure will become the security center for GPN Debit Cards in the ATM Bersama network.
8. What are the rates for using B-Secure?
In general, B-Secure charges Merchant Discount Rate (MDR) fees to merchants, payment gateways and merchant aggregators on every successful transaction. In addition, there is a transaction security processing fee for B-Secure member banks.
9. What is the Legality of B-Secure?
B-Secure service has obtained an operational license under the management of PT Artajasa Pembayaran Elektronis in accordance with the license issued by Bank Indonesia on February 22, 2019.
B. FAQ Related to B-Secure User Banks
1. What banks are already connected to B-Secure?
5 ATM Bersama member banks have implemented B-Secure, and the bank that has obtained operational license from Bank Indonesia is Bank Negara Indonesia (BNI).
2. My bank wants to join B-Secure, how?
Bank requirements to join B-Secure are:
- Bank is an ATM/Debit Card Issuing Bank
- Bank is a Member Bank of ATM Bersama
- Bank has/is implementing ATM Bersama Debit Service
- The bank contacts PT Artajasa Pemabayaran Elektronis for further steps.
3. What fees are charged to the Bank for B-Secure?
As a form of security service and operational assurance, there is an Authentication Fee that applies to every transaction using B-Secure. Other fees will be in accordance with the Bank's agreement with B-Secure.
4. There is a problem in the B-Secure system that has been connected to our Bank, what should we do?
Please contact Artajasa Account Manager, or contact helpdesk@artajasa.co.id
C. B-Secure Merchant Related FAQs
1. What merchants have joined B-Secure?
- Fastpay
- iPay88
- iPaymu - Superpay
- Sprint
- KALCare
- ISMAYA Group
- MimoPay
- Xendit
- MyCoop
- Sakti.Pay
Currently B-Secure has connected with various merchants, merchant aggregators and payment gateways as above.
2. I want my merchant/store/website/app to be able to use B-Secure, how can I do that?
If your merchant/store/website is already connected to one of B-Secure's payment gateway members, please contact your payment gateway. Please contact PT Artajasa Pembayaran Elektronis (helpdesk.artajasa.co.id) to connect directly with B-Secure.
3. What fees are charged to merchants for B-Secure?
In general, B-Secure charges Merchant Discount Rate (MDR) fees to merchants, payment gateways and merchant aggregators on every successful transaction.
4. What are the requirements for my merchant/store/website/app to be able to use B-Secure?
Merchant/mobile app/website that:
- Have a secure website/mobile app as a place to sell goods/services and purchase goods/services.
- Have complete legal documents to prove ownership of the merchant.
- Meet other requirements set by PT Artajasa Pembayaran Elektronis.
To know further requirements, merchants can contact PT Artajasa Pemabayaran Elektronis for further stages.
5. What are the requirements for Payment Gateways to be able to use B-Secure?
Payment Gateway that:
- Has a payment gateway license and is registered with Bank Indonesia.
- Have a card transaction security standard or equivalent to PCI-DSS
- Meet other requirements set by PT Artajasa Pembayaran Elektronis.
To find out further requirements, payment gateways can contact PT Artajasa Pemabayaran Elektronis for further steps.
6. What are the requirements for Merchant Aggregators to be able to use B-Secure?
Merchant Aggregators that:
- Already have an e-commerce ecosystem both in Indonesia and outside Indonesia
- Have e-commerce acquisition system and/or card transaction security standard or equivalent to PCI-DSS
- Meet other requirements set by PT Artajasa Pembayaran Elektronis.
To know further requirements, merchant aggregators can contact PT Artajasa Pemabayaran Elektronis for further stages.
D. FAQ for B-Secure Customers and Users
1. Where can I use B-Secure?
Customers can use B-Secure in e-commerce that has been connected with B-Secure. Click here to find out the e-commerce that has been connected. (go to section C question 1).
2. What Payment Method should I choose to use B-Secure?
There are several mentions of B-Secure payment methods, some of which are:
- Debit Card
- ATM Bersama Debit Card
- B-Secure
3. Which bank debit cards can use B-Secure?
5 ATM Bersama member banks have currently implemented B-Secure. The bank that has obtained operational license from Bank Indonesia is Bank Negara Indonesia (BNI). If you have a Debit Card from that bank then you can use it to transact with B-Secure.
4. Can my card be used for B-Secure?
To find out if your card can be used for B-Secure, please contact your card issuing bank, contact the e-commerce where you transact, or contact PT Artajasa Pembayaran Elektronis (helpdesk@artajasa.co.id).
5. I want to be able to use B-Secure, what should I do?
If you want to be able to use B-Secure, please visit e-commerce that has been connected with B-Secure, and contact your card issuing bank to find out if you can use B-Secure.
6. My payment/transaction has a problem, what should I do?
If your payment/transaction has a problem, please contact your e-commerce.
7. Will I be charged if I use B-Secure?
In general, B-Secure charges Merchant Discount Rate (MDR) fees to merchants, payment gateways and merchant aggregators on every successful transaction. In addition, there is a transaction security processing fee for B-Secure member banks.
