Selling and Payments Online

1. Do not treat a receipt as proof of payment. BCA warns that scammers send edited receipts, or overpay and ask you to send back the difference.
2. Open your bank's official app or site and look at your account statement (mutasi). Check that the money arrived in the amount shown on the receipt.
3. If there is no incoming balance for that amount, the receipt is fake. Ask the sender about it and do not send the goods.
4. Do not rely on how the receipt looks. Uneven fonts, messy layout and mismatched colours can give a fake away, but BCA notes that AI-assisted editing can make a fake look perfect.
5. Turn on your bank's transaction notifications, as CNN Indonesia advises, so each payment reaches your phone.
6. If you are unsure, call your bank's call centre to ask whether the funds arrived or the system has a problem. If no money came in, report it to the authorities.

• BCA, Awas Modus: Bukti Transfer Palsu, Ini Tips Keamanannya
• Kompas TV, Begini Cara Mendeteksi Bukti Transfer Palsu agar Tidak Jadi Korban Penipuan
• CNN Indonesia, Tips Terhindar dari Penipuan Struk ATM Palsu

Checking a Bank Account before You Pay

1. List the fee types that apply to your seller type. News reports from 2025 name the Biaya Administrasi (administration fee), the Biaya Proses Pesanan (order processing fee), and service fees for programs such as Promo XTRA and Gratis Ongkir XTRA.
2. Find your administration fee. Katadata reported in June 2025 that it is a percentage of the product price after discounts, set by product category A to E, from 2.5 percent (category E) to 8 percent (category A) for Non-Star, Star and Star+ sellers. Non-Star sellers with 50 or fewer completed orders paid none.
3. Add the order processing fee. Kontan reported Rp1,250 per completed transaction from 20 July 2025, charged per checkout and not per product.
4. Add program fees only for programs you join. Katadata reported 4 percent for Gratis Ongkir XTRA (not applicable to category D) and 1.4 percent for Promo XTRA.
5. Work out one sample order: take the price after your own discount, subtract each fee, and see what is left after your product cost.
6. These figures come from 2025 news reports. Check the current rates in your Shopee Seller Centre before you set your price, because fees can change.

• Katadata, Daftar Biaya dalam Transaksi Shopee bagi Penjual ataupun Pembeli
• Kontan, Biaya Proses Pesanan Shopee Berlaku 20 Juli, Ini Penjelasan IdEA

Marketing and Online Selling

1. Prepare your NIK from your KTP and your personal NPWP. SNI and Halal certificates are optional, only if you already have them.
2. Go to oss.go.id, choose Daftar, then choose business scale UMK and the individual business actor type. Fill in the form and click the activation link sent to your email. Your username and password arrive by email.
3. Log in with your username, password and CAPTCHA. Choose Perizinan Berusaha, then Permohonan Baru.
4. Fill in your business actor data and your business data, such as business name, address and capital. Then click Validasi Risiko so the system shows your risk level.
5. Add your product or service and its yearly capacity. Save, click Selesai, check the business activity list, then click Proses Perizinan Berusaha.
6. The system then asks about environmental approval. For medium-low risk it asks whether you already have an environmental approval document (Dokumen Persetujuan Lingkungan). For low risk without one, you select the environmental parameters that match your activity, and the system shows the document type required, such as SPPL, UKL/UPL or AMDAL; then fill in the business description (Uraian Usaha). After that, read the self-declaration and tick the box.
7. Check the draft permit, tick the confirmation, and click Terbitkan Perizinan Berusaha. After it is issued, use Cetak NIB to print it.

• OSS (Online Single Submission), home page
• UKM Indonesia, Cara Daftar Nomor Induk Berusaha (NIB) untuk Orang Perseorangan
• DDTC News, Cara Ajukan NIB bagi UMK Orang Perseorangan Risiko Menengah di OSS

Check Whether Your App Must Register as a PSE

1. Open an account with a QRIS payment service provider (PJP) that holds a Bank Indonesia licence. You can apply at a branch or register online.
2. Give the provider your business data and the documents it asks for, then wait for verification. After that you receive a Merchant ID and your QRIS code.
3. Install the provider's merchant app or use its merchant portal. The provider sends the QR code as a printout or a softcopy.
4. Choose static or dynamic QRIS. Bank Indonesia says static QRIS suits micro and small businesses. With dynamic QRIS you enter the amount first and the customer scans the code that appears.
5. Check the fee for your business size. A micro business pays 0 percent up to Rp500,000 per transaction and 0.3 percent above that. A small, medium or large business pays 0 percent up to Rp100,000 and 0.7 percent above that (Bank Indonesia and Kompas.com, rates from 1 October 2026). Ask your provider which category applies to you. The shop pays this fee.
6. Do not add an admin fee for QRIS payments. Bank Indonesia says customers are not charged extra fees when they pay with QRIS.
7. If you used the QR code of an older provider, replace it with QRIS by contacting that provider. For payment problems, contact the provider that supplies your QRIS.

• Bank Indonesia, Quick Response Code Indonesian Standard (QRIS)
• Kompas.com, Mulai 1 Oktober 2026, Transaksi QRIS hingga Rp 500.000 Bebas MDR, Ini Rinciannya
• Kompas.com, Jangan Mau Dikenakan Biaya Admin Saat Bayar Pakai QRIS, Ini yang Harus Dilakukan

Point of Sale and Inventory

1. Confirm self-declare eligibility: micro and small enterprises qualify if their food products use certified non-critical ingredients and simple processing techniques.
2. Obtain your Nomor Induk Berusaha (NIB) from the OSS portal with the correct Indonesian business classification (KBLI) for food processing.
3. Register an account on the official BPJPH SIHALAL portal at ptsp.halal.go.id using your business NIB and taxpayer details.
4. Select an accredited Halal Product Process companion (Pendamping PPH) on SIHALAL to inspect your production location and ingredients list.
5. Submit your verified ingredient formulas, supplier receipts, and owner declaration through the portal for review by the Fatwa Committee.
6. Download your official halal certificate from ptsp.halal.go.id and display the Indonesian Halal label on product packaging and shop signs.

• BPJPH Kementerian Agama, SIHALAL Portal Layanan Sertifikasi Halal
• BPJPH Kementerian Agama, Panduan Sertifikasi Halal Skema Self Declare
• Peraturan Pemerintah No. 42 Tahun 2024 tentang Perubahan atas PP No. 39 Tahun 2021 tentang Penyelenggaraan Bidang Jaminan Produk Halal

Getting an NIB through OSS

1. Download the official WhatsApp Business application and verify your Indonesian business phone number.
2. Open Business Tools, tap Catalogue, and select Add new item to begin setting up your products.
3. Upload up to ten clear product photos, enter an accurate item name, and write the price in Indonesian Rupiah.
4. Add an optional product description, country of origin, and website link or unique SKU code for inventory tracking.
5. Tap Save and wait for automated WhatsApp review before sharing items or entire collection links directly inside customer chat conversations.

• WhatsApp Help Center, How to create and manage a catalog
• WhatsApp Help Center, About the WhatsApp Business catalog

How a Chat Assistant Answers Customers