Terms of Service

Last updated: 06 May 2026

These Terms of Service ("Terms") govern the relationship between PT UNIT GLOBAL SYSTEM ("UnitPay", "we", "us", "our") and the merchant or other user ("you", "Merchant") who accesses or uses any service we provide. By creating an account, accepting an order form, or using our services, you agree to these Terms. These Terms incorporate by reference our Privacy Policy, Acceptable Use Policy, Refund & Chargeback Policy, Account Suspension & Blocking Rules, and Dispute Resolution Policy. They are drafted in accordance with the laws of the Republic of Indonesia.

1. The parties and scope

The contracting entity on our side is PT UNIT GLOBAL SYSTEM, a foreign-investment limited liability company (PT PMA) established under Indonesian law. Registered office: Menara Cakrawala 12th Floor Unit 05A, Jl. M.H. Thamrin, Kebon Sirih, Menteng, Central Jakarta, DKI Jakarta Province 10340, Republic of Indonesia. NPWP: 22.709.627.8-021.000. NIB: 2511240128903. These Terms govern the relationship between UnitPay and the Merchant in respect of the services we make available, as further described in section 3.

These Terms apply to your access to and use of our website, merchant cabinet, application programming interfaces, software development kits, documentation, and any payment-processing or related service we make available (collectively, the "Services"). Specific services may be governed by additional service-level documentation, an executed order form, or schedule; in case of inconsistency, the executed order form prevails over these Terms with respect to the matter addressed.

2. Eligibility and account registration

To use the Services as a Merchant you must be a legal entity duly incorporated under Indonesian law, or a foreign entity authorised to receive services from us under applicable cross-border arrangements, and you must complete our onboarding process. Onboarding requirements are set out in our Merchant Onboarding Requirements and include identification of the legal entity, beneficial owners (Pemilik Manfaat) and directors, business activity description with KBLI codes, supporting corporate documents (deed of establishment and amendments, Ministry of Law and Human Rights approval, NPWP, NIB, business licences where required), and bank account details for settlement.

You represent that the information provided at onboarding and during the relationship is accurate, complete, and current, and that you will notify us promptly of any material change. We may verify the information against public registries and through our KYC and AML vendor Didit, and we may decline an application or suspend an account where verification fails or where a sanctions or PEP match is not satisfactorily resolved.

3. Description of the Services

The Services include the ability to: accept payments from end-customers through payment instruments and channels we make available (which may include card schemes, QRIS, virtual accounts, e-wallets, and other locally-supported methods), receive settlement of accepted funds to your nominated Indonesian Rupiah bank account, view transaction history and reconcile payments through the merchant cabinet, manage refunds and respond to chargebacks and disputes, and integrate technically through our API or SDKs. Specific payment methods, channels, currencies, and limits available to you depend on your risk profile, business category, and the result of due diligence.

We may add, modify, or discontinue features of the Services. Material reductions in functionality are notified through the merchant cabinet with reasonable advance notice; emergency changes required by regulator instruction, security necessity, or scheme rule changes may take effect immediately and are notified as soon as practicable.

4. Fees, settlement, and taxes

Fees applicable to your account are set out in the order form or pricing schedule signed at onboarding and are denominated in Indonesian Rupiah. Fees are deducted from gross transaction proceeds before settlement, unless the order form provides otherwise. Settlement to your nominated bank account follows the cycle specified in the order form, subject to scheme settlement timing, holding periods imposed for risk reasons under our Risk Monitoring Policy, and statutory record-retention obligations.

You are responsible for the taxation consequences of your business, including value-added tax (PPN), income tax, and any other applicable Indonesian taxes. Where law requires us to withhold tax from amounts payable to you, we will do so and provide the corresponding withholding tax slip. Currency conversion, where applicable, uses the rate disclosed at the time of conversion plus any margin disclosed in the order form. You may dispute a fee or settlement entry by written notice within 90 days of the entry; after that period the entry is deemed accepted.

5. Merchant obligations

You agree to: use the Services only for the business activities disclosed at onboarding and within the categories of payment methods, channels, and customer geographies authorised by us; maintain accurate technical integration and update it promptly when we publish breaking changes with reasonable notice; safeguard credentials, API keys, and webhook secrets, and rotate them promptly if compromise is suspected; provide clear, accurate, and lawful product or service descriptions to end-customers at the point of payment; honour the terms of sale you present to end-customers and respond to their refund, chargeback, and dispute claims in good faith and within the deadlines applicable under scheme rules and our Refund & Chargeback Policy; comply with applicable Indonesian consumer-protection law, data-protection law (UU PDP), and the additional restrictions in our Acceptable Use Policy; cooperate with our risk, compliance, and audit enquiries, including ad-hoc requests for documents needed to discharge our regulatory obligations.

6. Prohibited activities

You must not use the Services for any activity that is unlawful in Indonesia, that breaches scheme rules, that exposes us or the payment ecosystem to undue financial-crime risk, or that falls within the categories enumerated in our Acceptable Use Policy. Examples include but are not limited to: sale of goods or services prohibited or restricted by Indonesian law; activities involving sanctioned countries, entities, or individuals; circumvention of card-scheme rules or jurisdictional restrictions; facilitation of money laundering, terrorism financing, or proliferation financing; high-risk verticals where you have not been specifically authorised in writing for that vertical. Use of the Services in breach of this section is a material breach permitting immediate suspension under section 9.

7. Intellectual property

We retain all rights, title, and interest in the Services, including the merchant cabinet, API, SDKs, documentation, trademarks, and any feedback, suggestions, or derivative materials generated in the course of your use of the Services. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Services for the purpose of accepting payments and operating the integrations described above during the term of the contract. You retain ownership of your content; you grant us a licence to host, transmit, and display your content solely to the extent necessary to provide the Services and discharge our regulatory obligations. Our brand and logo may not be used in your marketing without our prior written consent, save for factual statements identifying us as your payment service provider in customer-facing surfaces (for example, a checkout page).

8. Confidentiality and personal data

Each party shall protect the other party's confidential information with the same degree of care it uses to protect its own confidential information, and not less than a reasonable degree of care, and shall use such information only for the purposes of the contract. Personal data is processed in accordance with our Privacy Policy and, for Indonesian data subjects, our UU PDP Personal Data Notice. Where we act as data processor for personal data you control, the data processing terms incorporated by reference into the order form govern that relationship and align with UU PDP and GDPR Article 28 where applicable.

9. Suspension, termination, and effects

We may suspend or restrict your access to the Services, in whole or in part, as set out in our Account Suspension & Blocking Rules: temporarily for risk, compliance, or technical reasons; immediately on material breach, sanctions match, or regulator instruction; or at the end of a notice period for ordinary termination. Either party may terminate for convenience with 30 days written notice unless the order form specifies otherwise. On termination we will: hold residual funds for the period necessary to discharge chargeback, refund, and dispute liabilities (typically 180 days, longer where ongoing disputes require it); return or destroy your data per your written instruction, subject to retention obligations under UU TPPU, Bank Indonesia, and tax law; provide a final reconciliation within 30 days.

10. Liability and disclaimers

The Services are provided on an "as available" basis subject to the service levels and warranties set out in the order form. To the maximum extent permitted by Indonesian law, our aggregate liability arising out of or in connection with these Terms for any 12-month period is limited to the fees paid by you to us in that period; in no event are we liable for indirect, consequential, or punitive damages, loss of profits, loss of goodwill, or loss of data, save to the extent such limitation is prohibited by law. Nothing in these Terms limits liability for fraud, wilful misconduct, or any liability that cannot be limited under Indonesian law.

11. Changes to these Terms

We may amend these Terms by posting the amended version on this page and notifying you through the merchant cabinet at least 30 days before the change takes effect, save where a shorter period is justified by regulator instruction, security necessity, or scheme rule changes. Your continued use of the Services after the effective date constitutes acceptance of the amended Terms; if you do not accept the amendment, your remedy is to terminate the contract before the effective date in accordance with section 9.

12. Governing law, language, and dispute resolution

These Terms are governed by the laws of the Republic of Indonesia. Disputes shall be resolved in accordance with our Dispute Resolution Policy, which provides for good-faith negotiation, escalation through our complaints channel and, where applicable, the LAPS SJK alternative dispute-resolution scheme under POJK 61/POJK.07/2020 and the OJK Hotline 157 channel under POJK 18/2018. Pursuant to Indonesian Law 24 of 2009 ("Bahasa Indonesia Use Law"), an Indonesian-language version of these Terms is available — switch to Bahasa Indonesia using the language toggle above. In case of conflict between the English and Bahasa Indonesia versions, the Bahasa Indonesia version prevails for the purposes of Law 24 of 2009.

Notices to us under these Terms should be sent to legal@unitpay.net with a copy to the registered office above. Complaints should be sent to complaints@unitpay.net. Our working hours are Mon-Fri 09:00-18:00 WIB.

Effective date: 06 May 2026