Access market-native pay-in and payout infrastructure through a payment network built on local operating depth, one API and one accountable team.
IndiaLocal collection
AvailableIndonesiaBank, VA and QR
AvailableVietnamBank, QR and wallet
AvailableFrom accepting a customer's first payment to delivering funds at scale, PAYJN helps businesses operate across markets without managing a fragmented stack.
Accept customer payments through relevant local methods with real-time status updates and a consistent merchant experience.
Send funds to bank accounts and supported wallets through API or batch workflows, with clear order states and exception handling.
Use a unified REST API and webhooks to connect payment flows to your product, back office and finance operations.
PAYJN brings market-specific payment infrastructure into one observable layer, so international teams can expand without losing local execution or operational control.
Order receivedMerchant reference validated
12:42:08Local route selectedMarket and method matched
12:42:08Status confirmedWebhook event prepared
12:42:09Merchant notifiedSigned event delivery
PendingMarket-nativePayment methods and operations designed around local behavior.
Globally observableConsistent statuses, identifiers and escalation paths.
Built for executionTechnology and payment operations working as one layer.
PAYJN develops market-specific payment infrastructure through locally embedded operating relationships, technical connectivity and hands-on payment operations. India, Indonesia and Vietnam are our current priority growth markets within a broader international network.
Explore all markets →IndiaUPI and local rails
IndonesiaVA, bank, QR and wallet
ThailandBank and QR methods
MalaysiaLocal bank transfer
VietnamLocal payment methods
BangladeshLocal payment methods
SingaporeBank transfer methods
JapanLocal payment methods
South KoreaLocal payment methods
RussiaLocal payment methods
BrazilPIX and local rails
MexicoLocal bank methods
ColombiaLocal payment methods
PeruLocal payment methods
ArgentinaLocal payment methods
ChileLocal payment methods
TürkiyeBank and local rails
EgyptLocal payment methods
Saudi ArabiaLocal bank methods
India, Indonesia and Vietnam are highlighted as priority markets. Methods and availability vary by merchant profile and local requirements.
A serious local payment network does more than pass requests. PAYJN combines market knowledge, technical infrastructure and hands-on operations.
Route transactions across configured channels based on availability, performance and merchant rules.
Track order states, callbacks and exceptions with the context your support and finance teams need.
Apply limits, review patterns and coordinate escalations based on each merchant and market profile.
Work with an operations team that understands local payment behavior, reconciliation and market-level incident handling.
Integrate through a focused API surface with predictable order states, idempotent requests and webhook-driven updates.
Create ordersSubmit pay-in or payout instructions with your merchant reference.
Receive instructionsPresent payment details or track the beneficiary transfer.
Process updatesConsume signed webhooks and reconcile using stable identifiers.
POST /v1/payments
{
"merchant_order_id": "ORDER-10482",
"amount": 125000,
"currency": "IDR",
"market": "ID",
"method": "QR",
"notify_url": "https://example.com/webhooks"
}Payment createdWebhook monitoring enabled
184 msPAYJN operates the technology and payment operations layer across its market network. Where regulated financial activity is required, it is performed through the relevant locally authorized institutions, subject to onboarding and local requirements.
Secure communicationsEncrypted public endpoints and controlled access practices.
Transparent reportingConsistent transaction references and observable order states.
Continuity planningChannel monitoring, escalation paths and routing controls.
Share your target markets, payment flow and expected volume. Our team will review fit, coverage and the appropriate onboarding path.