Users
1.6MAkulaku PayLater provides instalment credit for purchases in Indonesia through its own app and partner online and physical merchants. Customers use an approved financing limit rather than a conventional credit card, with repayment schedules and costs set by the selected offer.
Use cases:
Channels:
Initiation:
Markets
1TPV
$46MTransactions
5.1MEstimated Monthly Usage, Aurato Research, October 2026
Capabilities
Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities
Markets
Estimated Monthly Usage, Aurato Research, October 2026
PSPs
Schemes
Compliance
Regulator
Bank Indonesia



