PT Artajasa Pembayaran Elektronis (Artajasa) founded in February 10, 2000 as a pioneer of
electronic payment system in Indonesia. Artajasa is principal of ATM BERSAMA which is the
largest shared ATM network in Indonesia consist of Banks and non-bank institutions. ATM
BERSAMA also connected to other cross border principals such as MEPS from Malaysia and
other countries. Currently, 87 institutions have joined with ATM BERSAMA network which
connected over 62.000 ATMs nationwide.
Beside as ATM Bersama’s principal, Artajasa also develops a billing payments network for
various industries such as education, electricity, telecommunication, transportation, insurance,
With 15 years experiencing in the payment system development, Artajasa expands its services
for providing convenience payments such as delivery channel, electronic money, and payment
instrument solutions, etc.
Artajasa is committed to assist innovation for business partners with the support of
approximately 200 employees who has expertise in a field of information technology solution. By
implementing our corporate culture CITA (Customer-oriented, Innovation, Teamwork,
Adaptability), we build a desire simpler life to all of partners.
Artajasa’s shareholders consist of 3 (three) institutions, that is:
PT Aplikanusa Lintasarta
Yayasan Kesejahteraan Karyawan Bank Indonesia
PT Multivisi Komputama
Artajasa was founded with the aim to be the leader in providing integrated and efficient electronic transactions.
Attained a license from The Central Bank of Indonesia to open RTGS account to become the
only non-bank institution to have an account at BI RTGS. Artajasa started managing ATM
Bersama. Launched Online Settlements, for easy in settlement of all transactions at ATM
Bersama for Members of ATM Bersama
Online payment services expanded to multi-finance industry.
Implementing the first in the world real-time-online bank-to-bank fund transfer via ATM
Provided services, enabling consumers to do, real-time online bank-to-bank (three-partied)
transfer via ATM. This being the first in the world and was quickly followed by other switching
Artajasa expanded its scope of operations by signing agreements with MEPS (Malaysia) to
enable customers of banks and members of ATM Bersama to do transactions in Malaysia, and
Implemented Online Settlement for Payment Gateway services.
Artajasa is one of the initiators of Asian Payment Network (APN) aiming to connect all switches
companies in Asia.
Launched BPDnet Online, a service that make BPD’s customers can do banking transactions
through other BPD’s office.
Artajasa entered Electronic Channel business by providing outsourced delivery channel
services for financial industry.
Initiated standardize specifications for national ATM and debit card chip
Artajasa received an award from The Central Bank of Indonesia for participation in setting up
the National Standards for Indonesian Chip Card specification (NSICCS) ATM / Debit card.
Provided remiitance service for Indonesian workers in Hong Kong and Malaysia.
Artajasa provided integrated electronic transaction delivery channels for Banks.
Artajasa received ISO 27001:2005 certification for security systems of ATM Bersama service.
Artajasa obtained Debit Card Acquiring License issued by the Central Bank of Indonesia, as
part of our commitment to expand E-Channel service and coverage.