Jakarta, 13/03 -&nbsp;Talking about payment systems, one of the most popular methods is the usage of credit cards. Besides for any urgent or emergency matters, some people prefer to use it for installment payment. But do you know that the credit payment system was found because of an accidental moment?
The credit payment model was started by John Biggins, banker of Flatbush National Ban of Brooklyn, USA, in 1946. He issued a card called Chang-It to do any credit transaction, bun only valid on closed entities and limited to merchants that already registered as customers of the bank.&nbsp;
The first usage of credit cards in general was done by Frank McNamara, founder of Diners Club. In 1949, Frank had dinner to entertain his client in a fancy restaurant. Somehow, he forgot to bring his wallet, and fortunately his wife was able to pay the bills. Ashamed moment, but inspires him to create a multifunction card that can be used for transactions.&nbsp;
The card called Diners Club was officially launched in 1950 and just in three years already had more 40.000 customers, and the usage was spreading to Canada, Mexico, and Cuba. The phenomenon encouraged American Express to make their own credit card, with PVC materials that were used until now. The massive credit literacy in 1960 also skyrocketed the customers of credit cards, and pushed the US government to regulate the credit card by 1970.
In Indonesia, the first credit card came in 1980 that was introduced by Duta Bank, in cooperation with VISA and MasterCard. The user of the credit card was only the customer of Duta Bank, and came from specific wealthy people such as businessmen, politicians, and other high-end class society. Also, the card was quite hard to get since it can only be owned by a limited group.&nbsp;
However now the ownership of credit cards in Indonesia has become easier and the usage keeps growing. Besides providing convenience for customers to have transactions, credit card service to reach more potential customers. Moreover, it also can make the business owner orderly set up their finances.&nbsp;
As Indonesia&rsquo;s leading payment service provider, Yokke is committed to bring your business to the next level, including providing payment channels with credit card. For more information, call our 24/7 HiYokke team at 14021, WhatsApp 0811 40 14021, or email <a href="mailto:hiyokke@yokke.co.id">hiyokke@yokke.co.id</a> so your inquiry can be followed up.

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History of Credit Card and Its Impact on The Payment Systems

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Jakarta, 17/04 -&nbsp;Using a credit card, for some people, may be an avoided option due to financial management. But if we know how to manage our finances well, credit cards would bring some advantage for your routine cash flow. For business people, somehow credit card usage will be able to boost their transaction value.
For some business activities, credit card transactions can bring more flexibility for both buyers and sellers. According to a survey in 2024 by VISA, a global payment technology company, about 74% of small and medium enterprises have shown a significant improvement in terms of turnover value since they applied card payment, including credit card.&nbsp;
Here are some benefits of credit card usage for business owner:
1. Provide more transaction options Sometimes customers need to do a transaction even when they are not in ideal condition in cash flow. In that matter, credit cards can give them flexibility to fulfill their needs
2. Expand consumer basis There are some types of consumers that prefer to have transactions by credit card, so it will be your opportunity if you accept credit card payment.&nbsp;
3. Minimize fraud risk Credit card optimization can reduce cash usage so the risk of any potential stealing of fraud can be minimized
4. More secured payment process Credit card transaction from your customer ensures your transaction will be settled
5. Faster transaction process Customers only need to swipe or tap their credit card during transaction so the process can be faster
For business owners, the convenience of customers during transactions is a significant factor to maintain. Therefore, the variety of transaction payment can be a central factor for a business process.&nbsp;
As Indonesia&rsquo;s leading payment service provider, Yokke is also able to facilitate your business to reach potential credit card customers, debit card users, and QRIS. For more information, call our 24/7 HiYokke team at 14021, WhatsApp 0811 40 14021, or email <a href="mailto:hiyokke@yokke.co.id">hiyokke@yokke.co.id</a> so your inquiry can be followed up.

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Optimize Your Business With Credit Card Payment Method

Jakarta, 26/03 -&nbsp;The revelation of the counterfeit money factory at Alauddin National Islamic University, Makassar, South Sulawesi, has brought a deep concern to society. Based on the report, the factory had printed 4.906 sheets of money with nominal Rp 100 K and another 972 sheets of uncut money. What brings deep concern is that the counterfeit money claimed to have been printed as good money.&nbsp;
However Bank of Indonesia (BI) has informed that the counterfeit money is a low quality product. The way to detect is able to do with the simple method, by seeing and touching. BI also claimed they already checked the sample of the money for further examination.
After the examination, the counterfeit money was not printed by using a money printing machine. The counterfeiter is known to only use printing machine standards. The printing machine that was claimed by the counterfeiter bought from China also known not yet used to print money. The machine also knew that it did not meet any standard to print money.&nbsp;
BI also verified the money does not have any safety element such as microlens, watermark, electrotype, and UV image. Therefore, the standard recognition method is easily able to detect any counterfeit money.
The methods of Rupiah recognition are able to do so by its brightness and the color looks clear, different from counterfeit money that look dull and faded. The texture of genuine money also feels rough when touched, while counterfeit money tends to be softer and thinner. Moreover, the genuine money shows specific watermark and BI logo while illuminated, something that counterfeit money does not have those visual characteristics.&nbsp;&nbsp;
To anticipate any transaction using counterfeit money, a cashless method can be the most effective way. This method can be completed without any cash money, hence we do not need to keep the money physically. The risk is also lower than transactions with cash money.&nbsp;
Bringing a service that supports cashless transactions by EDC machine or any other methods are what Yokke can do for you. The advantage of using Yokke transaction service is you can bring the ease of doing transactions to your customers.&nbsp;
As Indonesia&rsquo;s leading payment service provider, Yokke is committed to bring your business to the next level. For more information, call our 24/7 HiYokke team at 14021, WhatsApp 0811 40 14021, or email <a href="mailto:hiyokke@yokke.co.id">hiyokke@yokke.co.id</a> so your inquiry can be followed up.

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Beware of Counterfeit Money, Embracing Cashless For a Safer Transaction

Jakarta, 06/01 -&nbsp;PT Mitra Transaksi Indonesia (Yokke) received a certificate of appreciation from The Worker Social Security Agency (BPJS TK) for its participation in the protection of the vulnerable group. The ceremony of appreciation was handed-over by Head of Corporate and Institution Membership BPJS TK Menara Jamsostek Branch Office Endang Sulistyo Rini to Department Head of Human Resource &amp; General Affairs Yokke Retno Purbani Widya Mahati.&nbsp;
Yokke&rsquo;s participation in protecting the vulnerable group is part of the Corporate Social Responsibility (CSR) program in 2024, officially conducted through collaboration with BPJS TK. By this program, 240 of the vulnerable group in the operational area of BPJS TK Menara Jamsostek Branch Office in Jakarta will be covered comprehensively by the social security program.&nbsp;
Distribution of the CSR by Yokke was implemented to cover the contributions for a year which included the Death Security (JKM) and Workplace Insurance (JKK). The protection is also part of a government program named The Social Movement for Care of Vulnerable Groups.
The movement was launched by the government as the social innovation to protect the vulnerable group by collaborating with corporations and individuals. By the scheme, both private and public companies will be able to distribute their CSR program by protecting the vulnerable group.
In the Yokke CSR program with BPJS TK, the vulnerable group included workers who work as taxi bike drivers, household assistants, farmers, fishermans, parking attendants, and mosque caretaker (marbot). These workers are called vulnerable groups since they work in a risky environment but financially unable to reach the social security service.

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Yokke Participate on Protecting the Vulnerable Group in Jakarta

Jakarta, 23/12 -&nbsp;Entering the year end festivities, there are many business activities that you can do to earn more money. One of them is participating in bazaar activities, especially in school bazaars. The end of this year marks the end period of the semester report card distribution day. Many school take this opportunity of crowd gathering to open year-end school bazaars.&nbsp;
First of all, you should understand that participating in bazaar events at school and commercial areas will be very different. The key is to make sure the goods you are offering are kids-friendly, something that they are able to consume daily, snacks, and also toys. Here is some ideas that may be useful for you to open your own bazaar stand:
1. Skewered omelet; easy to make and simple to serve, 2. Risol mayo; more favorably the vegetable risol one, 3. Fruit salad; healthy and best serve in cold, 4. Churros; spilled-proof food, so it easy to consume by walk, 5. Pudding; can be serve in various flavor and liked by kid, 6. Roast sausage; one of most popular food for kids and easy to serve, 7. Takoyaki; Japanese snack and attractive to most of kid, 8. Chocolate ball; familiar food with favorably taste, 9. Mini pancakes; liked by both kids and adults; 10. Ice Cream; everybody loves ice cream, especially in hot weather
Quick tips, before you open your bazaar stand, it is better for you to research about the location so everything can be prepared. It is important to be aware of surroundings, to optimize your business. For example, if the bazaar is held in an outdoor area perhaps you need a fan and cooler box. Otherwise, you would not need a fan if the bazaar was held indoors.&nbsp;
One of the easiest ways to get QRIS is by using the Livin&rsquo; by Mandiri app. If you already have a Mandiri account number, just open the apps and tap Register Livin&rsquo; Merchant on the menu. Then, choose your business as Individual and register as requested. Afterwards, read Terms and Conditions to continue, and fill your Account Number and tap Register Your Business.&nbsp;
Next, register your phone number for OTP purposes, and continue to register for facial recognition verification. If successful, you can complete your business information data and confirm the registration. Once completed, you are already able to use the QRIS and other features on Livin&rsquo; Merchant.&nbsp;
Also, the most important preparation is the payment system that you could provide to your buyers. A simple and practical payment method will be beneficial, and it can be fulfilled by using QRIS. Just scan, and you need no money for returns. This simplicity can be provided by Yokke that is able to bring QRIS for all payments.&nbsp;
As Indonesia&rsquo;s leading payment service provider, Yokke is committed to bring your business to the next level. For more information, call our 24/7 HiYokke team at 14021, WhatsApp 0811 40 14021, or email <a href="mailto:hiyokke@yokke.co.id">hiyokke@yokke.co.id</a> so your inquiry can be followed up.

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School Holiday Period: Get Ready To Make Money

Jakarta, 12/12 -&nbsp;Have you ever shared someone's phone number without their permission? If yes, maybe you should be more careful. It is because phone numbers are classified as personal data, and the regulation of Data Privacy Protection is already implemented. So is this important for us to really understand this?
Personal Data is a series of data about someone that can be identified individually or combined with any other data, both directly and indirectly. Data Privacy Protection means an end-to-end efforts to protect the data in all processing sequences, to secure constitutional rights of the subject of Data Privacy.&nbsp;
Data Privacy can be classified into two categories. First is General Data Privacy which directly and indirectly leads us to someone's identity such as name, address, email, phone number, and so on. Second is Specific Data Privacy which refers to specific information about someone, such as financial records, criminal track records, and medical history.&nbsp;
According to the regulation, Data Privacy can be processed by the determined steps. It starts from Data Privacy gathering and the data owner should approve the process. Once approved, the data can be processed and analyzed to a specific information. Afterward, the information must be saved according to its purpose and be determined by its retention period.
If there is any mistaken or updated information, the Data Privacy needs to be updated and prior to it being used. Once the information update has completed, it can be saved by its usage period. After the usage period is over, the information must be destroyed.&nbsp;
In relation to our previous discussion on phone number sharing, it would be wise for us to be more careful. Make sure the phone number owner agrees their number to be shared for any purpose. A breach of this regulation brings legal impact because under the current Data Privacy Protection Law, you are subject to jail sentence up to 6 years or fine up to Rp 5 billion for the misconduct.&nbsp;
As Indonesia&rsquo;s leading payment service provider, Yokke is committed to comply with the implementation of Data Privacy Protection. Yokke is already certified for ISO 27001 about Information Management Security which uses international standards. For more information, call our 24/7 HiYokke team at 14021, WhatsApp 0811 40 14021, or email <a href="mailto:hiyokke@yokke.co.id">hiyokke@yokke.co.id</a> so your inquiry can be followed up.

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Understanding About Data Privacy Protection

Jakarta, 28/11 -&nbsp;Online gambling has become a serious issue in Indonesia. Massive promotion makes people get lulled by its lure. We have heard and read many stories about the negative impact and dark side of online gambling. But why is online gambling now more harmful than ever?
If you have not tried online gambling masked under fun, seemingly usual online games, then please do not even think about trying. It is important because the game owner or so-called bookie will make adjustments in such a way that you almost won the game you played, further enticing you to make you obsessed about playing the game and winning.
Based on research by University of Nevada and University of Ohio by 2009, someone can be addicted to online gambling because of its practicality. Compared to the conventional gambling in casinos, online gambling can be done at home which can deceive the brain into thinking the gambling activity is just another part of your everyday routine.&nbsp;
The impact of the stimulation makes online gambling players not to think twice for their gambling activity, even after the addiction gives them financial loss. The behavioral change makes online gamblers intensify their gambling, betting aggressively and impulsively.&nbsp;
Addiction to online gambling is not only harmful to someone personally, but also can be harmful to their professional environment. Some negative impact of online gambling to a company:
1. Decline in team performance due to reduction in employee productivity&nbsp;
2. Posing a threat to a company's cyber security, because online gambling websites are among common entry points used for malware attacks.&nbsp;
3. Lower attendance, because fatigue issues both mentally and physically as well as financial disturbance which can lead to employee dismissal or resignation.&nbsp;
In dealing with this issue as a business you have to increase your sensitivity to your employee condition, especially their behavior. If your employee looks gloomy or stressful, entangled in unnecessary loans, or is always busy with their gadgets, then it is better for you to be more cautious. While the symptom is very relative, it is better to open communication with the employee.&nbsp;
As a payment service company, Yokke has committed to fully support the eradication of online gambling. If you have any information that our service is in any way misused or is involved in activities related to online gambling, please call us at&nbsp; 14021, WhatsApp 0811 40 14021, or email at <a href="mailto:hiyokke@yokke.co.id">hiyokke@yokke.co.id</a> and we will follow up on your report.

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The Danger of Online Gambling 

Jakarta, 18/11 -&nbsp;Payment method by using QR code or QRIS (Quick Response Indonesia Standard) is becoming more popular in Indonesia. The government policy to reduce cash transactions has encouraged businessmen to utilize QRIS as their payment method. Other than the EDC machine, the QRIS usage is now more favorable because of its practicality. So, how to make QRIS able to be used by all types of payment?
First of all, put your attention on this information so you can understand more. There are 2 types of QRIS that are provided by the Bank of Indonesia. First, it is called MPM (Merchant Presented Mode), a print out QRIS model that can be scanned by the customers to complete the transaction. Second, it is CPM (Customer Presented Mode), the QRIS format generated on the customer device so the cashier needs to scan the code to finish the transaction.&nbsp;
Another crucial thing that you need to know, there is a limit amount per transaction. In general, the Bank of Indonesia implemented the policy to limit the transaction up to Rp 20 million per transaction. But some banking services have now implemented a new limit of transactions based on the customer's debit card or credit card, under one condition: their card is already connected to the application of the bank.
The advantage of the usage of QRIS that can be obtained is a cross-nation transaction. The Bank of Indonesia already signed an agreement with another central bank of an ASEAN country, so the transaction between the countries can be completed by QR code. It means, you can reach more customers not only from Indonesia, but also from the foreign citizens.
To get the QRIS code as your payment method, here are some tips as quoted by official statement of the Bank of Indonesia:
1. Choose your payment service provider, and make sure it is a fully-licensed company by Bank of Indonesia. Kindly visit here to check the list.(<a href="https://www.bi.go.id/PJSPQRIS/default.aspx">https://www.bi.go.id/PJSPQRIS/default.aspx</a>)
2. Visit your payment service provider, both offline or online, as well as visit their corporate website
3. Wait for the verification process and merchant ID generation. After the document is verified, you will receive the merchant ID and QRIS specific for your business, usually sent by email or text message.
4. Once you receive the QRIS, it means it can be used immediately by your customers. 
As Indonesia&rsquo;s leading payment service provider, Yokke is committed to bring your business to the next level.. For more information, call our 24/7 HiYokke team at 14021, WhatsApp 0811 40 14021, or email <a href="mailto:hiyokke@yokke.co.id">hiyokke@yokke.co.id</a> so your inquiry can be followed up.

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Create QRIS For All Payment Now

Jakarta, 23/10 -&nbsp;Have you ever failed during your QRIS transaction? If so, perhaps you should check some tips to make sure that your transaction will run smoothly.
One thing you need to know, QRIS usage was designed to reduce cash transactions. That&rsquo;s why a scanning-based transaction was made so customers will be able to complete the transaction by using their own application.&nbsp;
When you transaction by using QRIS. most of you will most likely use an EDC machine to generate the QR code. Please note that the code generated is not permanent because it has an expiration period to finish the transaction.
On that matter sometimes obstacles show up. Many of the customers have not login into their payment service application yet, while the cashier already generates their QR payment. So unfortunate if the customer signal is bad so it will take some time to process the login session.&nbsp;
The time span of each transaction by every payment provider through QRIS is different, start from 1 up to 3 minutes. Some payment service providers showed their countdown of expiration periods on their system. But some of them are not showing the time span.
The customer also scans the QR code once they successfully login. They were not aware that the code generated has already Time Out or expired, so it can process the transaction. In some cases, the customer balance amount was reduced but the transaction failed so the EDC machine was unable to print the sales draft.&nbsp;
If that happens, the merchant side needs to manually verify through the EDC machine to print the last transaction as a proof that the transaction was failed. What an ironic situation that could take a time because the QRIS transaction aimed to ease the customer payment process.&nbsp;
Before you have QRIS transaction please put attention to this: 1. Make sure you already login into your payment application&nbsp; 2. Make you have a proper internet signal before the transaction 3. If you have any trouble, confirm to the cashier that the generated code still valid 4. Do not hesitate to request last translation draft if your transaction failed
Yokke as a payment gateway company provides the most comprehensive payment service in Indonesia. For more information, call our 24/7 HiYokke team at 14021, WhatsApp 0811 40 14021, or email <a href="mailto:hiyokke@yokke.co.id">hiyokke@yokke.co.id</a> so your inquiry can be followed up.

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Cheat Sheet To Make Your QRIS Transaction Faster

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