Move forward with open finance
Our API solutions help the leading companies of today and the tech unicorns of tomorrow launch new financial services
What you can build
NEW: Direct Debit
Collect recurring and one-off payments directly from customers' bank accounts.


FAST
Disbursement
Send funds instantly to one or multiple bank accounts at minimum cost.
Recurring Payment Management (RPM)
Streamline your Revenue Operations using our subscription billing solution with just one API integration.
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Digital Products
Integrate 4,000+ digital products and bill payments from 24 categories seamlessly via one API.


Virtual Card Numbers
(VCN)
Simplify B2B payments using virtual cards with increased efficiencies, enhanced controls, more security and better data visibility.

Income Verification
Instantly verify a person's income with secure, real-time bank, phone number and NIK data.

Account Opening
Allow your users open a bank account in hours and not days - with easy KYC and onboarding process.

E-Wallet
Disbursement
Send funds to e-wallets with one single instruction.

Bank Statements
Instantly verify business account ownership with data straight from banks for easy customer onboarding, payout security or direct debit setup.

Cash Out (Retail)
Allow your customers to withdraw cash at any Indomaret counter.
Licenses & Associations









Developer-first approach
With just a few lines of code, you can launch financial products and services within weeks instead of years.
Tap into our full stack technology through one API integration.
Move your business forward
If you’re a bank looking to unlock the power of open finance, a growing fintech looking for a technology partner or a technology company looking for tools to launch new financial services on your platform – our APIs are built to enable ideas of all shapes and sizes.
Want to know how Ayoconnect can help your business move forward with Open Finance?