PT Artajasa Pembayaran Elektronis, Indonesia’s leading payment system infrastructure provider, has entered into a memorandum of understanding ( MoU ) with Ant International.

The strategic collaboration will advance the integration of seamless cross-border payment, AI-powered mobile innovations, and SME digitalization solutions between Indonesia and Ant International’s extensive global ecosystem, according to a press statement.

Beyond enhancing transaction convenience, the collaboration aims to drive digital transformation and deliver sustainable value across the payment ecosystem, benefiting industry players, merchants, and consumers alike.

The resulting synergy will expand the reach of digital payment services and foster technological innovation, bridging Indonesia’s payment infrastructure with the global digital payment’s ecosystem.

The MoU was officially signed in Singapore by Armand Hermawan, president director and chief executive officer of Artajasa, and Pan Yan, head of strategic partnership office for Alipay+ and Ant International.

Artajasa currently connects more than 80,000 ATMs and 98 ATM Bersama member institutions nationwide. The company is also the largest player in QRIS services, enabling payment acceptance for more than 41 million merchants across the country.

Artajasa’s comprehensive payment ecosystem supports a wide range of industries, including telecommunications, multifinance, insurance, public services, energy, education, transportation, electronic money, credit cards, e-commerce, and beyond. The company also operates an extensive network of ATMs across Indonesia and manages EDC deployments through a broad network of agents nationwide.

Ant International, through its four business pillars – Alipay+, Antom, Bettr and WorldFirst – offers a range of technology finance solutions that promote global connectivity and inclusion through AI-powered payment capabilities and growth tools, and SME digitalization solutions. Alipay+, its unified wallet gateway, has supported the development of Asia’s largest superapps, and connects more than 1.8 billion user accounts across 40 international payment partners to more than 150 million merchants in over 100 markets.

Commenting on the collaboration, Armand Hermawan, president director and chief executive officer of Artajasa, says: “The future of payment and financial services is shaped by strong, interconnected ecosystems built on collaboration, trust, and continuous innovation. Ant International is a global benchmark in digital payments, making this partnership highly strategic. This MoU reflects our commitment to fostering open collaboration, exchanging insights, and jointly exploring innovative opportunities that will advance the payment ecosystem.”

Edward Yue, Alipay+ general manager for Southeast Asia, Australia-New Zealand, and South Asia, adds: “Ant International will fully support Artajasa and local Indonesian partners through our technologies and know-how, from payments and beyond, to make innovation accessible to local users and businesses. Together, we can empower a new wave of opportunities and contribute to Indonesia’s digitalization journey.”