open bill network

We connect 900+ bill providers with 70+ consumer platforms through one API. Get your API keys to join our network.

3,000+ digital products

from over 900 Bill Providers

across 24 categories

Ayoconnect's API enables you to integrate telco products, utility bills, e-wallet top up, credit card, consumer loan instalment, and more to your online and offline platforms

Your one-stop bill payment solution

One API to access the entire virtual products and channel partners within our network. 

Expand your payment channels

Get instant access to millions of supermarkets, kiosks, and agents and tap into millions of customers of
digital wallet and e-commerce platforms across Indonesia through our API

Sell virtual products easily

Instantly enable your customers to purchase 3,000+ virtual products from across 24 bill categories in your platforms

Grow your network

Join our ecosystem to win more customers and scale up your offers

From Developers, for Developers

Ayoconnect's API is built with consistent data structure, high reliability, and fast SLA for a convenient product development process



     { "key": "Stan", "value": "2292.0 - 2325.0" },

     { "key": "Pemakaian", "value": "33.0" },

     { "key": "Air", "value": "127450" },

     { "key": "Administrasi", "value""5000" }


Solutions by Industry

Find the right bill payment solutions for your business


Water, Electricity, Gas, Tax

Financial Institutions

Banking, Insurance, Multifinance,

P2P lending


Telco, Internet, and paid TV provider

Content & Publishing

Gaming, Streaming, Subscriptions


Convenience stores, Agent networks, Koperasi & other retail


Ecommerce, Online platforms & Financial applications

Housing & Property

Apartments & Kos Kosan


Public schools, Private institutions, Universities

Broader Ecosystem

Switching, acquiring and aggregator companies

I see Ayoconnect’s great vision in providing innovative solutions for established companies and emerging businesses, consecutively taking a key role in advancing financial inclusion in Indonesia.

Ilham Habibie

Head of Indonesia's ICT Council and Ayoconnect's Strategic Advisor



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PT. Ayopop Teknologi Indonesia

APIC Building Wahid Hasyim, Jalan Wahid Hasyim

No 154 - 156, Tanah Abang Central Jakarta - 10250

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© 2021 Ayoconnect

Ayoconnect is a fintech company that provides bill payment solutions for businesses in Indonesia. Ayoconnect links bill providers (such as utility, telco, financial services providers, and more) with offline and online consumer platforms (such as retail store chains, kiosks, e-commerce, ewallet, and more) into an organized ecosystem through one API. Ayoconnect's API opens the access to popular virtual products such as telco bills, electricity tokens, water bills, e-money top-ups, game and streaming vouchers, credit card payments, consumer loan payments, and more. Bill providers that connect with Ayoconnect's API can instantly gain access to millions of offline and online payment channels across the countries. At the same time, consumer-facing platforms can easily increase their customer retention and earn additional revenue from offering bill payment feature to their customers.