Users
12MFlazz is BCA's Indonesian stored-value card for contactless purchases at participating merchants and transport services. Customers load electronic money onto the card and tap it at readers, giving small purchases a prepaid route alongside bank-account debit, credit and QR payments.
Use cases:
Channels:
Initiation:
Markets
1TPV
$65MTransactions
95MEstimated 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
No PSP implementations have been mapped for this method yet.
Schemes
Compliance
Regulator
Bank Indonesia



