Efficient Payment System for Increasing Regional Revenue

Espay provides efficient solutions to support regency and city governments in implementing government digitalization, aimed at simplifying public services and enhancing the effectiveness of regional revenue collection.

Regional Revenue Electronification through the e-Penda system
Regional Financial Management (Cash Management) through the Integrated Fund Management and Disbursement System (SP2DT)

Legal Basis

Presidential Instruction (Inpres) No. 10/2016

On accelerating the implementation of non-cash transactions across all Ministries/Agencies and Local Governments

Ministry of Home Affairs Circular No. 910/1866/SJ

On the implementation of non-cash transactions in Provincial Governments

Ministry of Home Affairs Circular No. 910/1867/SJ

On the implementation of non-cash transactions in Regency/City Governments

Presidential Decree No. 3 of 2021

Bank Indonesia supports the Government’s efforts to accelerate and expand regional digitalization through its membership in the Regional Digitalization Acceleration and Expansion Task Force (Satgas P2DD)

Government Regulation (PP) No. 12/2019 Article 222

Mandates Local Governments to implement electronic-based governance in the area of regional financial management

Ministry of Home Affairs Circular No. 910/1867/SJ

On the implementation of non-cash transactions in Regency/City Governments, reinforced by Government Regulation (PP) No. 12/2019 Article 222, which obliges Local Governments to apply electronic-based systems in regional financial management

This is in line with Bank Indonesia’s directive to accelerate three priority sectors:

  • Regional Government Electronification
  • Social Assistance Electronification
  • Transportation Sector Electronification

It also aligns with recommendations from the Audit Board of Indonesia (BPK) and the Corruption Eradication Commission (KPK) for each local government to implement electronic-based regional financial governance.

E-Penda is an end-to-end electronic system for managing regional revenue. It provides a fast and effective electronification solution, ranging from simple processes—making it easy for local governments to adopt—to more complex implementations.

The ePenda system can manage various types of levies, including market fees, official housing fees, tourism site fees, transportation fees, waste collection fees, advertising fees, and other regional levies.

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Reports can be integrated with the FMIS system from BPKP.

Currently Available Modules:

  • Levy Category Management – to classify types of levies such as market fees, tourism site fees, parking fees, and more.
  • Levy Management
  • Levy Payer Data Management
  • Billing Assignment – either recurring or one-time.
  • QRIS/Virtual Account Billing Generation – QRIS can be printed directly, as ePenda is online and connected to QRIS issuers through the Payment Gateway.
  • Real-Time Payment Transaction Reports
  • Transaction Reconciliation with levy payers.
  • Fund Disbursement Reports
  • Revenue Dashboard
  • Solution to Improve the ETPD Index
In collaboration with

Regional Development Banks (BPD).

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Espay Payment Gateway, a licensed Non-Bank Payment Service Provider under Bank Indonesia, is a strategic partner for Regional Development Banks (BPD). Espay’s role includes providing payment administration systems and QRIS payment channels issued by the respective BPD. Espay aggregates collections from various payment channels for fund disbursement and transfers the funds to the Regional Government Treasury Account (RKUD) at the local BPD.

As part of the Integrated Fund Management and Disbursement System (SP2DT) solution, where Espay provides Cash Management features for local governments, Espay also collaborates with the respective Regional Development Bank (BPD), enabling local government transactions to be carried out online and in real time.

Provincial Government Integrated Tax Payment System

Kiosk & Mobile App for Motor Vehicle Tax (PKB) Payments

Utilizing QRIS & Virtual Accounts, including integration with the Motor Vehicle Tax core system, billing codes, QRIS or VA issuance, payment, reconciliation, and tax receipt printing.

Integrated Regional Revenue Management System for Surface Water Tax Payments

Covers official assessment of surface water usage, taxpayer registration, calculation and determination, SPOPD, issuance of SKPD and STPD, payment, reconciliation, and reporting.

Integrated Tax System for Motor Vehicle Fuel

Includes official assessment, taxpayer registration, issuance of SPTPD, validation, determination of SPTPD, SKPDKB, SKPDKBT, SKPDN, SSPD payment transactions, reconciliation, and reporting.

SP2DT

ntegrated Fund Management and Disbursement System

SP2DT Local Government Cash Management Platform

  • Cash Management Portal (user module): bank balance information, transaction workflow, multi-bank Open Banking API instructions (BPD and Himbara banks)
  • Open Banking API Integration via Payment Gateway
  • Backoffice Module for settings and configurations
  • SP2D Disbursement Data Import/Transfer into Cash Management
  • Step-by-Step Verification and Control
  • Transaction Authorization with 2FA (OTP)
  • Transaction Reports
  • Audit Trail
  • Integration with budgeting systems and contract documents to ensure disbursement does not exceed budget ceilings
  • Regional Treasury Account (RKUD) monitoring system
  • Payment deduction module
  • Integration with MPN Gen 3 for tax-related payments
  • Integration with IWP and BPJS
  • Payments for JKK and JKM
  • Budget and realization dashboard
  • Mobile Dashboard App for real-time reporting to stakeholders