Tag: payment

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Umum

Penurunan Biaya Transfer Antarbank Mulai Desember 2021

Melalui program BI Fast Payment (BI-Fast), Bank Indonesia akan menurunkan biaya tranfer antarbank yang saat ini sebesar Rp6.500 menjadi Rp2.500. Rencananya, tahap pertama penyesuaian biaya akan dimulai pada minggu kedua Desember 2021.

Photo by Ono Kosuki from Pexels

BI FAST sendiri merupakan sistem baru yang akan menggantikan Sistem Kliring Nasional Bank Indonesia (SKNBI).

Tahap pertama untuk penyesuaian biaya akan berlaku untuk PT Bank Tabungan Negara (Persero) Tbk, PT Bank DBS Indonesia, PT Bank Permata, PT Bank Mandiri (Persero) Tbk, PT Bank Danamon Indonesia, PT Bank CIMB Niaga, PT Bank Central Asia Tbk, PT Bank HSBC Indonesia, PT Bank UOB Indonesia, PT Bank Mega Tbk, PT Bank Negara Indonesia (Persero) Tbk, PT Bank Syariah Indonesia, PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank OCBC NISP, Bank Tabungan Negara UUS, Bank Permata UUS, Bank CIMB Niaga UUS, Bank Danamon Indonesia UUS, Bank BCA Syariah, PT Bank Sinarmas, Bank Citibank NA, PT Bank Woori Saudara Indonesia.

Sedangkan tahap kedua yang rencananya akan mulai berlaku Januari 2022 akan berlaku untuk PT Bank Sahabat Sampoerna, PT Bank Harda International, PT Bank Maspion, PT Bank KEB Hana Indonesia, PT Bank Rakyat Indonesia Agroniaga, PT Bank Ina Perdana, PT Bank Mandiri Taspen, PT Bank Nationalnobu, Bank Jatim UUS, PT Bank Mestika Dharma, PT Bank Jatim, PT Bank Multiarta Sentosa, PT Bank Ganesha, Bank OCBC NISP UUS, Bank Digital BCA, Bank Sinarmas UUS, Bank Jateng UUS, Standard Chartered Bank, Bank Jateng, BPD Bali, Bank Papua, dan Kustodian Sentral Efek Indonesia (KSEI).

Kalau selama ini saya lebih sering menggunakan Flip untuk transaksi transfer antar bank, saya rasa perubahan biaya antar bank secara konvensional juga akan bermanfaat.

Categories
Umum

Citranet Permudah Pembayaran Tagihan

Setelah dua tahun lebih melakukan pembayaran untuk layanan internet Citranet dengan cara manual, akhirnya bisa juga melakukan pembayaran dengan lebih mudah, praktis, dan cepat.

Jadi, selama ini, untuk setiap tagihan yang dikirimkan melalui surel (dan tagihan fisik), pembayaran dilakukan melakui transfer ke rekening bank, memasukkan jumlah tagihan manual, ke rekening virtual spesifik, kemudian mengkonfirmasi pembayaran.

Setiap bulan.

Selama ini tidak ada masalah juga, tapi untuk kondisi saat ini yang semuanya sudah bisa dipermudah dengan begitu banyak pilihan metode pembayaran, payment gateway, cara seperti itu sepertinya termasuk agak ketinggalan jaman. Apalagi, ini untuk layanan internet.

Sekarang, pembayarna bisa dilakukan secara langsung melalui Midtrans. Gampang dan cepat, dan mengaktifkan fitur pembayaran melalui dompet digital dengan QR Code yang mendukung QRIS, tentu sangat memudahkan.

Cuma, ada sedikit hal yang mengganggu, dimana ada biaya layanan sebesar Rp5.000 untuk setiap transaksi. Ini bisa dipahami, karena memang ada biaya yang muncul karena pemrosesan transaksi oleh Midtrans. Saya memilih untuk menerima saja adanya biaya transaksi. Walaupun, kalau tanpa ada biaya transaksi akan menjadi lebih baik lagi.

Categories
General

Pembayaran Menggunakan DANA di App Store

DANA adalah salah satu dompet digital yang saya pakai. Saya cukup nyaman menggunakannya, salah satunya karena melalui DANA saya bisa melakukan transaksi dengan kartu kredit saya jika kebetulan saya tidak ada saldo. Alih-alih melakuan top-up ke saldo, saya bisa langsung transaksi dari kartu kredit saya.

Selama saya menggunakan produk Apple, proses pembayaran selalu saya lakukan dengan kartu kredit. Namun, ternyata DANA sudah dapat digunakan — selain kartu kredit tentunya — sebagai metode pembayaran. Informasi ini dapat dilihat dari laman metode pembayaran yang dapat digunakan dengan Apple ID.

Menghubungkan akun DANA ke metode pembayaran

Karena saya tidak punya iPhone, saya mencoba menghubungkan akun DANA saya dari iPad. Dan prosesnya cukup sederhana.

Saya belum melakukan transaksi langsung menggunakan DANA di App Store ini. Mungkin nanti. Kalau bisa, saya lebih memilih untuk membayar langsung dari saldo DANA saya.

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General

123RF Verification on Credit Purchase

123RF

Disclaimer: This review is based on my personal experience. 123RF did not request me to write this article and I’m not endorsed or paid for making this review.

Today, I just decided to purchase some credits under my account at 123RF.com since I need to get some images from there. After creating an account, I simply made a purchase. It was a simple process. When I made the my purchase, I was connected to my office VPN. So, I was detected in Singapore while I was physically in Yogyakarta, Indonesia.

I filled in all billing information. I have been making lots of transactions using my credit cards, and I had most of them succeeded.

When I hit the purchase button, I got a notification saying that a verification process was needed and it would be by calling my phone number. I waited for the next few minutes. But, I didn’t get any phone call (on my mobile number).

So, I decided to contact 123RF from its Live Chat feature. So, I provided the customer service staff with my invoice number and some basic information about my order and account. The customer service staff informed me to make verification process based on the instruction sent to my email. She also requested my mobile number again and I gave her my numbers.

I replied the email with the information about my full name, bank account information, and my home address. I provided all the information based on my credit card information. No credit card number of verification number provided during this process.

In the next few seconds, I got a phone call from 123RF. She introduced herself as Jessica from 123RF, and she was using Bahasa Indonesia. She asked me for some details about my order and the situation that I made an order  from Singapore (while my address is in Yogyakarta, Indonesia). Of course, I was more than happy to give the best answer. Then, she told me that she would be back to work on my order.

After few minutes, I got another call from her telling that the credit was already under my account. I checked directly by refreshing my browser, and the credit was there.

Overall, I had a good experience on my first credit order. I know that each companies — when it comes to payment or security — has its own standard of the payment or security. 123RF has its own verification process. Based on my experience just now, 123RF made the verification simple enough.

Categories
General

On Tokopedia Electricity Credit

I tried to purchase electricity token credit from BCA internet banking service. But, it didn’t work. My transaction could not be processed. Lucky that Tokopedia — one of the  Indonesia marketplaces — is available for electricity token credit. The order process was simple. After having the order under my internet banking account, I made the payment. And, within seconds I had my order status to “Paid”. Great.

Wait… not so great. The thing was that the token credit was not available yet. It was because of the system policy that “An order made between 11PM until 1AM will be processed (automatically) after 1AM”. Meh.

Categories
Umum

Pengalaman Mencoba Layanan Uber untuk Bisnis (Uber for Business)

Di pertengahan Oktober 2015 ini, saya mendapatkan informasi melalui surel yang saya gunakan untuk akun saya di layanan Uber mengenai hadirnya fitur yaitu “Uber for Business”. Saya sendiri sudah menggunakan layanan ini beberapa bulan, dan secara keseluruhan mendapatkan layanan dan pengalaman yang baik. Walaupun, sampai sekarang saya baru menggunakan layanan ini kalau saya kebetulan ada keperluan pekerjaan di Jakarta.

Layanan Pribadi

Untuk keperluan pekerjaan, penggunaan Uber yang saya lakukan — atau rekan-rekan saya lakukan — menggunakan akun pribadi. Dengan kondisi ini, maka pembayaran dilakukan secara pribadi (dengan kartu kredit milik sendiri), untuk kemudian dapat dilakukan reimbursement. Sebuah mekanisme yang sepertinya cukup lazim digunakan oleh banyak perusahaan.

Fitur ‘Uber for Business’

Uber for Business yang diperkenalkan ini saya rasa memberikan beberapa keuntungan dan kemudahan, apalagi dalam konteks bahwa kebutuhan moda transportasi (menggunakan Uber) seharusnya dapat dikelola dengan lebih baik. Sejak menggunakan layanan Uber ini, memang saya merasakan bahwa biaya perjalanan cenderung berkurang — ketika membandingkan dengan mobilitas yang sama dengan layanan transportasi sejenis/taksi.

Secara sederhana, Uber for Business ini merupakan sebuah konsep yang memberikan kemudahan bagi perusahaan untuk mempermudah dalam hal pengelolaan perjalanan bagi karyawannya (ketika memilih menggunakan Uber). Berikut beberapa hal utama tentang layanan ini:

  • Perusahaan membuat sebuah akun bisnis/korporat
  • Seluruh pembayaran akan ditanggungkan ke akun perusahaan
  • Perusahaan mengatur karyawan yang dapat menggunakan pembayaran langsung oleh perusahaan
  • Perusahaan dapat mengatur kebijakan pemakaian terkait dengan pembayaran yang ditanggung oleh perusahaan

Aktivasi Uber for Business

Walaupun secara tim tempat saya bekerja belum terlalu banyak, namun saya rasa penggunaan fitur ini dapat membantu. Saya mendaftarkan akun untuk keperluan ini melalui https://www.uber.com/business. Prosesnya sendiri cukup mudah. Dan, saya sudah langsung dapat mulai melakukan pengaturan akun.

Welcome to Uber for Business

Untuk pengaturan awal, saya diminta untuk memasukkan beberapa informasi seperti metoda pembayaran (memasukkan informasi kartu kredit yang digunakan), melakukan pengaturan kebijakan bagi tim, dan tentu saja mengundang tim yang boleh menggunakan pembayaran melalui akun bisnis ini.

Informasi Pembayaran

Uber for Business: Payment Settings

Saya memasukkan informasi kartu kredit yang nantinya akan digunakan untuk pembayaran seluruh perjalanan baik bagi saya sendiri, atau bagi tim yang nanti akan saya undang. Menilik dari informasi pada penambahan informasi pembayaran, ada beberapa poin:

  • Sistem Uber akan melakukan proses otorisasi dengan melakukan penarikan sebesar US$250 dari kartu kredit. Menurut informasi, dana ini akan langsung dikembalikan jika proses ini berhasil.
  • Rekan kerja saya yang nantinya akan menggunakan pembayaran dari kartu kredit saya tidak akan dapat melihat informasi kartu kredit milik saya. Informasi yang terlihat hanya berupa label teks saja, misal “Nama Perusahaan”.

Pengaturan Kebijakan Perjalanan

Uber for Business: Ride Policy

Pengaturan kebijakan penggunaan ini dapat diatur sesuai dengan kebutuhan. Sehingga, penggunaan metoda pembayaran dapat pula dibatasi. Pengaturan ini misalnya:

  • Mengatur kapan saja metoda pembayaran dapat digunakan; di hari apa saja, dan dalam rentang waktu jam berapa saja.
  • Mengatur dimana saja bisa melakukan perjalanan, misalnya lokasi penjemputan, termasuk waktunya. Jika ditentukan batasan lokasi penjemputan, lokasi penjemputan hanya bisa dalam radius sekitar 400 meter saja.
Continue reading “Pengalaman Mencoba Layanan Uber untuk Bisnis (Uber for Business)”
Categories
General

PaymentFont 

PaymentFont — A sleek Payment Webfont. A sleek webfont containing 95 icons of all main payment operators and methods

Categories
General

Solved: Apple's App Store Purchase Using Visa

Last week, I got problem with my purchase at Apple’s App Store. I didn’t tried to purchased any paid apps after that. Today, I tried to purchase something on my iPad. I was curious whether this problem had been sorted or not. And, it’s back to normal now. Fixed!

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General

Apple's App Store: Your payment method was declined.

Few days ago, I heard that some friends complained about their Apple ID. It had something to do with payment/billing info. I told them that I had my account work without any issues. I also joined some discussion groups, and one of them were also discussing about this. Mine was working great. But, not until today, when I decided to purchase something from my iPad.
I’m using Visa.
My last transaction was made on my iPad on October 31, 2012. It went as I expected. So, it had been a week since my last purchase. I use the same billing details since I purchased my first app for my devices (MacBook Pro, iPhone 4, and New iPad).
Payment Declined
After asking for confirmations from other friends, they’re all using Visa. I also searched for more details, the problem was solved after changing the credit card to Master Card. I’m not lucky for this since I only have Visa right now. I am sure that I have no problem with my card. After my last purchase, I still make transaction using it.
There’s also a long discussion on this issue at Apple Support Communities, and it seems that Visa users only need to wait to get the problem sorted. Too bad.

Categories
General

Starbucks and Square

Starbucks chose Square. Square handles payments like Starbucks handles coffee.
“And that’s something we’ve always believed strongly in building our technology, building our product: is that we can fade the technology away, we can fade the mechanics away so that the people can focus on a very human, natural, personal interaction and a very simple exchange.” ~ Jack Dorsey (Square founder)

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General

Dear Flickr, I just want to buy a Flickr gift

But, it seems that something is broken.
Today, a friend contacted me to help him getting a Flickr Pro by activating a Flickr gift. This is not the first time for me purchasing Flickr gifts. Everything worked. Just worked. But, not today.

So, I wanted to buy my 11th Flickr gift — yes, 11th!. I went into what Flickr called “Place your order” page. I hit that blue “OK, I’M READY TO PAY” button. After that I was redirected to another login form for another authentication process. Sure, part of the security checking processes, right? I gave my password and nothing happened. Okey, may be it’s my web browser — even I was sure that nothing was wrong with my browser. The other browsers gave me the same results. It didn’t work. Okey, I waited.
Then, I tried again. But, I got a another respond. It was a message like this:

Sorry, Unable to process request at this time — error 999.
Unfortunately we are unable to process your request at this time. This error is usually temporary. Please try again later.
If you continue to experience this error, it may be caused by one of the following:

  • You may want to scan your system for spyware and viruses, as they may interfere with your ability to connect to Yahoo!. For detailed information on spyware and virus protection, please visit the Yahoo! Security Center.
  • This problem may be due to unusual network activity coming from your Internet Service Provider. We recommend that you report this problem to them.

While this error is usually temporary, if it continues and the above solutions don’t resolve your problem, please let us know.

Okey. I’ll wait. Yes, it’s weekend, and it was midnight. Dear Yahoo! — or Flickr — could you please fix that? My friend just want to have his Flickr account upgraded. Thank you.
[Added later]: This issue had been solved. It seemed that there was something wrong with the payment gateway issue. My friend bought a Flickr Pro gift for himself. :)

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General

Telkom Speedy Review (first month)

It has been a month since I started using Telkom Speedy service. So far, I have nothing but positive service. I’m an active internet user and I use internet everyday. I haven’t experienced any connection problem.

Few days after I had my internet connection, I had a phone call from Telkom Speedy representative. She asked me whether I have my internet connection working or not. She also welcomed me and said thank you for using Telkom service. I got information also if I have problem with the connection, I can call the customer support. I already know about this but I never try it until today.

Today, I got another call from them. They informed me that they’ve received my payment and asked me about their service so far. I told the guy that I don’t have problem so far. I’m not sure about the other customers in other city, but here in Jogjakarta (in my place), I have a good experience.

Anyway, I tried to pay my Speedy bill using bank transfer (from ATM), but it seemed that the system is not ready yet here in Jogjakarta. Anyone got the same experienced?

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General

Google Adsense now supports Western Union payment method

Another good news for Google Adsense publishers. Now, there is a new alternative to get Google Adsense payment by using Western Union service.
Google Adsense blog reported:

We’re excited to tell you that we’re offering a new payment method for some countries. If you’re located in Argentina, Chile, China (Mainland), Colombia, Malaysia, Pakistan, Peru, the Philippines, or Romania, you can now sign up for Western Union Quick Cash, a new form of payment that lets you receive your AdSense payments in cash using the worldwide Western Union money transfer service. Payments will be available for pickup at your local Western Union agent the day after they are issued, according to our normal payment schedule.

This feature is not yet available for Indonesian Adsense publisher, I believe more countries will be supported later. I hope… :)

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General

Subscribing to Reader's Digest Indonesia

Today, I received my first Reader’s Digest Indonesia issue. Actually, it was my girl friend who wanted to subscribe to this magazine. Last July 2007, we decided to subscribe to this magazine. We thought we would had our first edition for August 2007 issue. But things did not go as we expected. Here are some notes:

  • We contacted Reader’s Digest Indonesia (RDI) by email first (langganan (at) feminagroup.com). On July 12th, 2007 we received a quick respond for our first email. It was quick I suppose… about an hour.
  • After receiving information I needed, I sent the payment for yearly subscription. On July 16th, 2007, I sent my payment confirmation. Since I did not receive any error message (No email bouncing), I thought that my confirmation was sent successfully and I will have my August edition by the end of July.
  • I waited. On August 6th, 2007, I contacted them (by phone) asking why I did not receive the magazine. The customer support told me that they did not receive my payment confirmation in her inbox. Ouch!
  • It’s not completely their fault, I think. I can accept that. So, I re-send the payment confirmation, and I got a respond from them in the next few minutes. I was informed that I will receive September 2007 edition as my first issue.
  • And today, I receive it. Great!

Overall, I am satisfied with the service from Femina Group. I had all my pre-sales questions answered. Thank you Reader’s Digest Inodnesia and Femina Group.