KM 0.0
Accept
QRIS, virtual accounts at seven banks, e-wallets and cards. One integration, one dashboard, one report for all of them.
Payments confirmed in 2 seconds on average
- QRIS
- 0.7%
- Virtual account
- Rp4,000
- E-wallet
- 1.5%
- Card
- 2.9% + Rp2,000
A payment service provider licensed by Bank Indonesia
Every rupiah accounted for. Settled the same day.
Accept QRIS, virtual accounts at every major bank, e-wallets and cards in one account. Funds reach your bank that afternoon, and every payment is matched to its invoice the moment it lands.
Supervised by Bank Indonesia · PCI DSS Level 1 · Data in Jakarta
Jakarta 08.00 WIB ·Settlement every working hour
Batch 08:00 · 16 paymentsRp2,910,500Settles today·all matched
Settles tomorrow· T+1
Move your cursor to bend the current · scroll to move the day forwardScroll to move the day forward
Today at a glance
Received today
Rp1,824,316,500
12,408 payments
Settled
Rp1,612,090,000
Last batch 14:00
Waiting to settle
Rp212,226,500
Next batch 15:00
Matched automatically
99.6%
12,358 of 12,408
Reconciliation
Last 8 payments| Time | Payer | Method | Amount | Status |
|---|---|---|---|---|
| 14:31 | Toko Makmur Jaya, SidoarjoINV/2026/10/0412 · VA BCA | VA BCA | Rp4,250,000Matched | MatchedMatches the invoice |
| 14:29 | Warung Bu Sri, GresikINV/2026/10/0409 · QRIS | QRIS | Rp87,500Matched | MatchedMatches the invoice |
| 14:22 | CV Sinar Tani, MalangINV/2026/10/0398 · VA Mandiri | VA Mandiri | Rp12,116,500Difference | DifferenceRp1,500 short of the invoice |
| 14:18 | Toko Sembako Rejeki, PasuruanINV/2026/10/0391 · OVO | OVO | Rp315,000Matched | MatchedMatches the invoice |
| 14:11 | UD Berkah Pangan, MojokertoINV/2026/10/0377 · VA BNI | VA BNI | Rp6,480,000Pending | PendingWaiting for the BNI statement |
| 14:06 | Koperasi Sumber Rejeki, JombangINV/2026/10/0372 · VA BRI | VA BRI | Rp9,750,000Matched | MatchedMatches the invoice |
| 14:02 | Toko Roti Delima, SurabayaINV/2026/10/0368 · QRIS | QRIS | Rp142,500Matched | MatchedMatches the invoice |
| 13:57 | PT Mitra Boga Utama, KediriINV/2026/10/0361 · Card | Card | Rp27,600,000Matched | MatchedMatches the invoice |
Waiting for approval
WaitingSentRp48,750,000
KUD Tani Makmur, Batu
Due today, 16:00 WIB
- Lestari WulandariHead of FinanceApprovedWaiting
- Hendra GunawanDirectorApprovedWaiting
Sent over BI-FAST, arrived in 4 seconds
Trusted by 9,400 businesses in 212 cities, from corner shops to distributors
- 01Sumber Pangan LestariSurabaya
- 02Kedai TeduhBandung
- 03Sekolah Cahaya BangsaBekasi
- 04Apotek Sentosa FarmaSemarang
- 05Kriya NusantaraYogyakarta
- 06Rumah Kos MelatiDepok
- 07Laut Biru SeafoodMakassar
- 08Bengkel Jaya MotorMedan
From source to estuary
Four stations, one current. Nothing sits still.
Money comes in by any method, settles into your account, is matched to its invoice, then goes out to your suppliers. Every station records what passes through.
KM 3.2
Settle
Payments that land before 15:00 settle into your account the same day. No money spends the night with us.
Median of 2 hours 41 minutes from payment to your account
- T+0 cut-off
- 15:00 WIB
- Funds arrive
- before 17:00
- Working days
- Monday to Friday
KM 7.8
Match
Every payment is matched to its invoice by amount, invoice number and payer. Anything that doesn't match is flagged, with the difference shown.
99.6% of payments matched without finance touching them
- Auto-matched
- 99.6%
- Export
- Accurate, Jurnal, Xero
- Report
- daily at 17:30
KM 12.4
Send
Pay suppliers, partners and fees in one batch. Every outgoing payment needs approval, and every approval is on record.
312 farmers paid in a single batch every Friday
- BI-FAST
- lands in seconds
- Approvals
- up to 4 levels
- Fee
- Rp2,500
Measured in our customers' books, not in a brochure
99.6%
of payments matched automatically, without finance lifting a finger
up from 71% on average with manual statement matching
2.7 hrs
median time from payment to money in the account
against 1 to 2 working days at a typical gateway
Rp0
unexplained difference when the books close
median across 9,400 businesses, July to September 2026
A thousand payments a day, two ways to keep the books
Figures from a distributor taking about 1,000 payments a day, before and after moving to Muara.
| Status | With Muara | Manual transfers |
|---|---|---|
| Reconciliation time per day | 11 min | 6 hrs |
| Money held overnight | Rp0 | Rp214 million |
| Unexplained difference per month | Rp0 | Rp14.2 million |
| Paying 312 suppliers | 4 min | 1 working day |
Sumber Pangan Lestari, May and September 2026.
From the people who close the books every day
Three people in finance used to spend Monday to Wednesday matching bank statements to invoices. Now everything is matched by Monday morning, and the difference is zero.
QRIS money from 38 outlets is in the account that same afternoon. For a coffee chain that buys milk every morning, that makes all the difference.
School fees for 2,100 students come in by virtual account and are recorded against each student straight away. No parent sends us a photo of a transfer slip any more.
Your money is supervised, not just safeguarded
Licensed by Bank Indonesia
Muara is a Payment Service Provider licensed and supervised by Bank Indonesia.
Funds held separately
Money waiting to settle sits in a safeguarding account, apart from our operating cash.
PCI DSS Level 1
Card data is handled to the card industry's highest standard and audited every year.
Data in Indonesia
Transaction data is processed and stored in Jakarta data centres, in line with the PDP Law.
Let your money flow. We'll keep the books.
Open a business account in one working day. Upload your documents, connect your bank account, and your first payment can settle that same afternoon.