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Financial services payment gateway fintech
KBLI 66199★ Gold-Tier Intel

Aktivitas Penunjang Jasa Keuangan Lainnya Ytdl, Kecuali

Aktivitas Penunjang Jasa Keuangan Lainnya Ytdl, Kecuali

🏦 Section K — Financial & Insurance Activities

✅Open· 100% ForeignMedium-Low RiskDirect Match

Other financial services not elsewhere classified — the catch-all for financial activities outside the specific banking, insurance, and capital markets codes. This code covers a wide range of activities, each with its own regulator: payment gateways, e-money issuers, money changers (KUPVA), forex brokers, guarantee companies, financial leasing (non-bank), and other financial intermediaries. **Critical: the regulatory authority and licensing requirements depend entirely on which sub-activity you operate — OJK, Bank Indonesia (BI), or both.** Do not assume one regulator covers all activities under this code.

Licensing & Requirements

What You Need

Risk LevelMedium-Low (Menengah Rendah)
License TypeNIB dan Sertifikat Standar
ProcessingOtomatis
Foreign Ownership100% Open
AuthorityBKPM / OSS
PP28/2025 Licensing Data1 scale
Mikro, Kecil, Menengah, BesarMedium-Low RiskNIB dan Sertifikat Standar⏱ OtomatisFiktif Positif
Post-License Obligations6
Berbentuk badan hukum
Memiliki struktur organisasi, uraian tugas, kewenangan dan tanggung jawab
Menyampaikan laporan kegiatan kepada kementerian koperasi dan ukm.

→ Submit periodic business activity reports to regulator

Memiliki standar operasional manajemen aktivitas pemeringkatan koperasi.
Personil yang melaksanakan aktifitas pemeringkatan bebas konflik kepentingan
Memiliki personil yang mempunyai keahlian dan pengalaman dibidang pemeringkatan koperasi yang dibuktikan dengan sertifikat atau tanda bukti pendidikan dan/atau pelatihan yang dikeluarkan pejabat berwenang

SUB-ACTIVITY MATRIX — choose your activity and its regulator

Step-by-step for PT PMA payment gateway (Activity A — most common PMA path)

1
Establish PT PMA— minimum capital according to PJSP category; notary deed, AHU (~4–6 weeks)
2
NIB via OSS— select 66199, Menengah Tinggi; 7 working days
3
BI PJSP license application— submit to BI Departemen Kebijakan Sistem Pembayaran; dossier includes business plan, IT architecture, data security audit, AML/CFT policy, escrow bank agreements
4
Technology audit— BI's IT assessors review platform; must meet PCI-DSS standards for card processing
5
Minimum capital injection— into Indonesian bank account
6
BI approval + Izin PJSP— issued after all assessments pass (6–12 months)
7
Integration with National Payment Gateway— SNAP (Standar Nasional Open API Pembayaran) compliance required
8
Commence operations
PMA foreign ownership
2020 → 2025

Code 66199 was updated in KBLI 2025 to reflect the broader digital financial services landscape that emerged post-2020. The most significant regulatory development: **Bank Indonesia's PBI 23/6/PBI/2021** restructured the entire payment system licensing framework, replacing the previous PJSP categories; KUPVA regulation was also updated. OJK and BI have increasingly clear demarcation of jurisdiction since the OJK Act amendment (UU 4/2023 — Penguatan dan Pengembangan Sektor Keuangan / P2SK Law), which transferred certain BI supervisory functions to OJK.

Bali Intelligence

Foreign Workers

TKA Eligible Positions

Kepmenaker 228/2019 — Category 9: Jasa Keuangan dan Asuransi

45 in category
1211Chief Financial OfficerKepala Keuangan
2412Compliance OfficerPejabat Kepatuhan
2413Payment Systems SpecialistSpesialis Sistem Pembayaran
2413Risk ManagerManajer Risiko
2529IT Security SpecialistSpesialis Keamanan IT
2413Financial AnalystAnalis Keuangan

Kepmen 228/2019 lists 45 TKA-eligible positions in the financial services category. Sub-activity determines which regulator (OJK or BI) conducts Fit & Proper tests.

KEDUA Provision — Directors & Commissioners Exemption
Directors and Commissioners who do NOT manage personalia can work without being listed in the jabatan.
Complementary Codes

Related Codes

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Zantara AIOSS Intelligence System
Context66199
Other financial services — payment gateway, e-money, money changer, or forex? 66199 is one code but there are three regulators: Bank Indonesia for payments and e-money, OJK for guarantees and forex, Bappebti for derivatives. Let me show you which license you actually need and what the timeline looks like for each.