Terms and Conditions


Welcome to www.paidapp.id. By visiting our website, downloading our applications and accessing the information, resources, services, products, and tools we provide (the “Resources”), you understand and agree to adhere the terms and conditions below along with the terms and conditions of our Privacy Policy (the “User Agreement”). Please read the entirety of the User Agreement before using any of our websites, applications and/or services as it affects your rights and obligations under the law. The usage of any part of the Resources indicates acceptance of the User Agreement.


The User Agreement, is an agreement between Users (“you”, “your”, or “yourself”) and PT Transforma Insight Asia (“we”, “us”, “our”, or “paidapp.id”), a limited liability company duly established and legally operating under the laws of Republic of Indonesia. The User Agreement represents a complete and exclusive statement of our agreement superseding all prior understandings and communications relating to subject matter within the User Agreement.

Please note that we may change, modify, add and delete any of the terms (“Amendment”) in the User Agreement at any time where this is necessary to comply with any law or regulation binding on us or to reflect a change to our operational practices, provided that we will use reasonable endeavours to provide notice of material changes on the User Agreement. You acknowledge and agree that it is your responsibility to review the User Agreement periodically to familiarize yourself with any Amendment. Your continued use of our website, applications and/or services after such Amendment will constitute your acknowledgment and agreement to the modified terms and conditions under the User Agreement.


By visiting our website and accessing the Resources:

  1. you represent that you are at least 18 years old and capable of entering a legal agreement, or if you agree to the User Agreement on behalf of a company or other entity, you represent and warrant that you have the authority to enter into the User Agreement on their behalf; and

  2. you agree to use the Resources only for the purposes intended as permitted by the terms of this User Agreement, as well as, applicable laws, regulations and generally accepted online practices or guidelines.

The term of your account access to the Resources (the “Term”) will begin when you click the button authorizing use of the Resources and continue as long you as you have access to the Resources according to terms of the User Agreement.

Further, you acknowledge and understand that:

  1. In order to access the Resources, you may be required to provide certain information about yourself (such as identification, contact details, etc.) as part of the registration process, or as part of your ability to use the Resources. You agree that any information you provide will always be accurate, correct, and up to date.

  1. You are responsible for maintaining the confidentiality of any login information associated with any account you use to access the Resources. Accordingly, you are responsible for all activities that occur under your account/s.

  1. Accessing (or attempting to access) any of the Resources by any means other than through the means we provide, is strictly prohibited. You specifically agree not to access (or attempt to access) any of the Resources through any automated, unethical or unconventional means.

  1. Engaging in any activity that disrupts or interferes with the Resources, including the servers and/or networks to which the Resources are located or connected, is strictly prohibited.

  1. Attempting to copy, duplicate, reproduce, sell, trade, or resell the Resources is strictly prohibited.

  1. You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by you, as explained above, and may incur criminal or civil liability.

  1. We may provide various open communication tools on our website, such as blog comments, blog posts, public chat, forums, message boards, newsgroups, product ratings and reviews, various social media services, etc. You understand that generally we do not pre-screen or monitor the content posted by users of these various communication tools, which means that if you choose to use these tools to submit any type of content to our website, then it is your personal responsibility to use these tools in a responsible and ethical manner. By posting information or otherwise using any open communication tools as mentioned, you agree that you will not upload, post, share, or otherwise distribute any content that:

    1. Is illegal, threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist, or contains any type of suggestive, inappropriate, or explicit language;

    2. Infringes on any trademark, patent, trade secret, copyright, or other proprietary right of any party;

    3. Contains any type of unauthorized or unsolicited advertising;

    4. Impersonates any person or entity, including any www.paidapp.id employees or representatives.

  1. We have the right at our sole discretion to remove any content that, we feel in our judgment does not comply with this User Agreement, along with any content that we feel is otherwise offensive, harmful, objectionable, inaccurate, or violates any 3rd party copyrights or trademarks. We are not responsible for any delay or failure in removing such content. If you post content that we choose to remove, you hereby consent to such removal, and consent to waive any claim against us.

  1. We do not assume any liability for any content posted by you or any other 3rd party users of our website. However, any content posted by you using any open communication tools on our website, provided that it doesn’t violate or infringe on any 3rd party copyrights or trademarks, becomes the property of Paidapp.id and as such, gives us a perpetual, irrevocable, worldwide, royalty-free, exclusive license to reproduce, modify, adapt, translate, publish, publicly display and/or distribute as we see fit. This only refers and applies to content posted via open communication tools as described, and does not refer to information that is provided as part of the registration process, necessary in order to use the Resources. All information provided as part of our registration process is covered by our Privacy Policy.

  1. You agree to indemnify and hold harmless Paidapp.id and its parent company and affiliates, and their directors, officers, managers, employees, donors, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of this User Agreement or the failure to fulfill any obligations relating to your account incurred by you or any other person using your account. We reserve the right to take over the exclusive defense of any claim for which we are entitled to indemnification under this User Agreement. In such event, you agree to be cooperating with us as is reasonably requested by us.



In providing our service, we reserve the right to conduct due diligence on you as a user in a process otherwise known as Know Your Customer (KYC). Before and during KYC process, we will impose a limitation on the transaction amount that your account may accumulate. For unverified accounts, the transaction limits are not more than Rp15.000.000,00 (fifteen million Rupiah) in total or Rp5.000.000,00 (five million Rupiah) for any one transaction (“Transaction Limit”). Payments that are received above the Transaction Limit will be temporarily held by us until your account has successfully passed the KYC process and becomes verified. You will be given 3 (three) business days from the time of the transaction to submit the data required by us to verify your account. If there is additional information required from you, you may submit them within 1 (one) business day.

Payments that come under or equal to the transaction limit may still be disbursed within 2 (two) business days and are subject to standard Service Fees.

Unsuccessful KYC Process

If the KYC process is unsuccessful due to any of the reasons below:

  1. you do not provide the data required for KYC process within the time limit; and / or

  2. the data you submitted does not match the information available in our database; and / or

  3. there is indication of fraud, scam, or involvement in illegal acts or Restricted Businesses;

the payment will be refunded in accordance with REFUND & CANCELLATION Clause below. Furthermore, at our sole discretion, we may freeze, suspend or terminate your account.


By using the Resources, you acknowledge and agree that you are responsible of ensuring that the invoice sent by you to your customers has correct nominal, product and quantity. In the event of discrepancies, you have the responsibility to inform us. We shall not be held responsible for these mistakes on your part. Further, you agree to uphold the indemnification clause as referred to in RESPONSIBLE USE OF CONDUCT point (j) for any dispute between you and your customers relating to this mistakes on your part.


The following business categories and practices are restricted from using our services ("Restricted Businesses"). Restricted Business categories may change from time to time due to changes in legislation, where we may unilaterally change it without prior notification to you. If you are not certain as to whether your business is classified as a Restricted Business, or have questions about how these requirements apply, please contact us.

You acknowledge and confirm your consent or agree that you will not use our service in connection with the following businesses, business activities, or business practices, or transaction:

Goods and services that violates legislation


Lotteries; bidding fee auctions; sports forecasting or odds making; sweepstakes; games of chance (Roulette, craps, slot machine and alike) ; casino games (Keno, Pi Gow Poker, Slots, Black Jack (21), Poker and alike).

Adult content and services

Pornography and other obscene materials (including literature, imagery and other media); sexually oriented toys or products; sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features, mail-order brides, explicit dating sites.

Firearms and explosives materials

The sale, distribution, import, export of firearms, its amunitions and explosives materials

Psychotropic & Recreational Drugs

Unlawful sales, distribution, production, import and export of Category 1 drugs (Papaver Somniferum L, raw opium, cooked opium, cocca plants, cocca leaves, raw cocaine, cocaine, cannabis sativa, methamphetamine, and alike); Category 2 drugs (alphacetylmethadol, betamethadol, dextromoramide, hydromorphone, trimeperidine, and alike); Category 3 drugs (Acetyldihydrocodeine, ethylmorphine, propiram, and alike); drugs precursors

Virtual currency

Virtual currency that can be monetized, resold, or converted to physical or digital products and services or otherwise exit the virtual world (e.g., Bitcoin); sale of stored value or credits maintained, accepted and issued by anyone other than the seller

Money Laundering

The act of placing, transferring, assigning, spending, paying for, granting, leaving, taking abroad, changing form, exchanging in currency or securities or other deeds for assets that one knows or should reasonably suspect are the result of a criminal act.

Financing of Terrorism

The act of using any assets known or reasonably suspected to be used and/or used directly or indirectly for terrorist activities, terrorist organizations or individual terrorists.

Infringement of Intellectual Property

Intellectual property or proprietary rights infringement

Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder; any product or service that directly infringes or facilitates infringement upon the trademark, patent, copyright, trade secrets, or proprietary or privacy rights of any third party;

Counterfeit or unauthorized goods

Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported

Import of prohibited and restricted Goods to Indonesia

Printing Materials

Books, magazines, news paper and similar materials, leafter, brochures that are printed in the Indonesian language, dialects in Indonesia or Chinese; offset printout goods made of paper for cigarette packaging or drugs packaging in the Indonesian language or foreign.

Certain Chemicals

Derivatives products that contains Halogen substitute and its salt, Pesticide, polimer etilena/stirena/vinyl chloride

Used clothes

Excluding personal hand carry clothes

Export of prohibited and restricted Goods from Indonesia

Agriculture, Forestry, fishery & maritime, industrial and mining products

Natural rubber technical specification (TSNR) or Indonesian Standard Rubber (SRI) that does not satisfy the Indonesian National Standard (SNI); Natural rubber in other form other than Smoked Sheet and TSNR (SIR), Certain Timber and Rattan Products; Certain Fish (Scleropages Formosus and Schleropages jardini, Botia Macracantha, Cheilinus undulatus Ruppell, Anguilla spp, penaeus monodon, penaeus merguiensis, penaeus japonicus, Macrobrachium rosenbergii); ferrous and residual scrap; iron or steel remelted ingots; Tin ore, tin slag, tailing, precious stone excluding diamonds and semi precious stone, precious stone or semi synthetic precious stone,

Endangered Species listed on CITES

Mammals (primates, whales, dolphins, porpoises, elephants, rhinoceros, tigers, honey bear, skunk, porcupine, Orangutan Blood, Sumatra Goat), Aves (Eagle, cockatoo, parrot, cassowary, cendrawasih, etc), Reptile (turtle, snake, crocodiles, monitor lizards; crocodile’s bile, genitals, teeth and blood) Insects (certain butterly), Fish (Red Arwana, Coelacanth, Belida, Sentani Shark, Sentani Stingray, cave wader, etc) Bivalviax (Coconut crab, cassis cornuta, giant kima) Orchidaceae, Nephentaceae & Palmae (Certain orchids and palm trees), Dipterocarpaceae (Tengkawang plants and seeds), Rafflesiaceae

Cultural heritage

Artifacts, cultural heritage building/structure that are > 50 years or that represent a certain era that are at least 50 years old and has a special meaning for history, science, education, religion and/or culture which has high cultural values for strengthening national identity;

Contentious Marketing Practices


Contacting potential customers, reading from a prescribed script, focusing on customer needs to close sales, and documenting customer information, purchases, and reactions.

Pyramid Scheme

A fraudulent system of making money which requires an endless stream of recruits for success. Recruits (a) give money to recruiters and (b) enlist fresh recruits to give them money.


  1. You must follow our merchant onboarding process in our app to activate digital payment acceptance. Once it is completed you may send your customer an invoice with a payment link or just send a payment request link. These links can be shared on any social media or chat program or email and it will direct your customer to the digital payment page.

  2. You can send sales invoice or send a payment request to your customer.

  3. Your customer will receive a notification containing the details of the sales invoice or payment request along with the document in PDF format.

  4. If your customer presses the link to pay in the email or notification, your customer will be directed to a special payment page

  5. Your customer can review the invoice or the payment request to be paid

  6. Your Customer will be asked to choose one of the available payment methods.

  7. After selecting a payment method, the details of the payment that must be made will appear. At this stage your customer must ensure that all data entered is correct, including product, quantity, and the nominal amount that appears.

  8. If there is an error made by your customer, then the error is purely your customer's fault, we shall not be held responsible for the errors made by your customer.


Every transfer of funds made or that will be made by us on behalf of you is always subject to the following conditions:

Minimum Transaction

Third parties can only make transactions if, the value on the invoice listed / collected by the User is more than Rp10.000,- (ten thousand Rupiah) for certain payment methods. If the nominal shown on the invoice is below Rp10.000,- (ten thousand Rupiah), we will automatically cancel the transaction value.

Maximum Transaction

Users can only withdraw funds for invoice payments from third parties with a maximum of Rp100.000.000,00 (one hundred million Rupiah). If the transaction exceeds the maximum value of the applicable provisions, the transaction will be carried out on the following day or once the limit has been lifted in accordance with the applicable provisions.

Fund Disbursement Method

Disbursement of funds from your customer to you will be made by us within 2 (two) working days from the first time the invoice payer makes the transaction and has paid status.


  1. Withdrawals will be processed within 2 business days and subject to Service Fees

  2. In the event of an alleged violation of the User Agreement, fraud, manipulation or crime, you understand and agree that we have the right to carry out investigations, suspensions, delays and / or cancellations of fund withdrawals made by you.

  3. The examination, suspension or delay of fund withdrawals as referred to in point 2 can be carried out within the time period deemed appropriate by us.

  4. The time it takes for our internal team to identify system problems is calculated from the time the initial report was submitted, which shall be up to 2 business days.

  5. Our internal team will deal with the problem and issue fixes within 2-15 days (depending on the severity of the problem being reported and what kind of fix is ​​required).

  6. In the event that during the final verification process it turns out that the solution is proven to have gaps, meaning the fixes previously tested and published by the internal team did not solve the problems, steps 4 and 5 above will be repeated as many times as necessary.

  7. If in the final verification process there is no response from the party who reports the problem within 2 business days, the problem fixing process will be completed.


Regarding your agreement to use the Resources throughout the Term, please note account service fees will be posted on our website and may be changed from time to time. Your agreement will continue to be in effect as long as you remain using our website, applications or services based on the aforementioned terms and conditions, unless your account is otherwise terminated or suspended.

All payments due under your account shall be made in Indonesian Rupiah.

You agree that we have the right to immediately make direct deductions for any expenses, fees or bills owed by you to us in accordance with the applicable provisions.

Any payments more than thirty (30) days past due from the payment due date will bear a late payment fee of 1.5% per month and subject the account to automatic suspension. Any payments more than sixty (60) days past due from the payment due date will subject the account to automatic termination. We shall have no liability for damages to you due resulting from a suspension or termination of your account.

Your account service fees can be paid by credit card if your account is in good standing. If you provide us with valid credit card information, we will deduct the monthly charges against that credit card. In such case, you agree to contact us to update the credit card information if the card expires or if the card information changes. If we are unable to process the credit card payment, we will contact you by email and suspend your account until the credit card information discrepancy can be corrected. Anyone using a credit card represents and warrants that they are authorized to use that credit card and bill charges against it.

Your account service fees are billed exclusive of any taxes. If we are required to pay any income taxes, sales and use taxes, value-added taxes, withholding taxes or other taxes on your behalf to allow you use of the Resources pursuant to the User Agreement, then such taxes shall be charged to your account at the time your service fees are billed.


When you’re doing a transaction with your customer, we will need to verify such transaction to make sure that there is no indication of fraud, scam, or involvement in illegal acts or Restricted Businesses (“Verification”). In the event your transaction does not pass the Verification, we will refund the amount paid to the payer.

There may also be times when you would like to cancel a transaction for any reason, in which case you will need to contact our customer service through email address below. Our customer service will assist you in refunding the amount paid to the payer.

Our internal refund process may take up to 2 (two) business days, and will be processed further by the bank that settled the initial transaction within 2 (two) to 14 (fourteen) business days. We may need to contact the payer to obtain certain information relating to the refund process, and such information we will be processed in accordance with our Privacy Policy.


When we send money to you, we will do it in accordance with the bank account information stated in your account settings. If there is any change with your bank account, please do so immediately. We are not responsible for any error in transfer due to your negligence in providing your bank account information.

Change of Disbursement Account

Requests for changing the disbursement account must be made by you through an email address or phone number that you have registered on our website. After the account change application is approved by us, you can fill the new disbursement account in your account settings.

Limitation of Authority

We do not have the right to interfere and/or be responsible for transactions made between you and your customers once the payment status is settled. It is solely an agreement between you and your customer.


Your privacy is very important to us. For this reason, we’ve created a separate Privacy Policy in order to explain in detail how we collect, manage, process, secure, and store your private information. Our Privacy Policy is included under the scope of this User Agreement. To read our Privacy Policy in its entirety, click here.


By using our website, you understand and agree that all Resources we provide are “as is” and “as available”. This means that we do not represent or warrant to you that:


In conjunction with the Limitation of Warranties as explained above, you expressly understand and agree that any claim against us shall be limited to the amount you paid, if any, for use of products and/or services. Paidapp.id will not be liable for any direct, indirect, incidental, consequential or exemplary loss or damages which may be incurred by you as a result of using the Resources, or as a result of any changes, data loss or corruption, cancellation, loss of access, or downtime to the full extent that applicable limitation of liability laws apply.


All content and materials available on paidapp.id, including but not limited to text, graphics, website name, code, images and logos are the intellectual property of Paidapp.id and are protected by applicable copyright and trademark law. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited, unless specifically authorized by paidapp.id.


As we don’t presume to know the inner workings of your organization or the nature of your personal relationships, we will not engage in or mediate disputes over who owns an account. You agree that we will decide who owns an account based on the information you provide us. If multiple people or parties are identified as having access to your account, then you agree work to resolve any account ownership related disputes directly with the other party and not request access to or information about an account that is not yours.


You may terminate your account at any time. You agree that we may, in our sole discretion, suspend or terminate your account with or without notice to you and for any reason, including, without limitation, breach of the User Agreement. In such case, we may refund any amounts you prepaid beyond the time your account is active, otherwise, you will not be entitled to a refund from us under any other circumstances. Upon suspension or termination of your account, your right to use the Resources will immediately cease, and we reserve the right to remove or permanently delete any information that you may have on file with us, including any account or login information. Any suspected illegal, fraudulent or abusive activity for cause may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities.


The User Agreement (and any and all disputes arising out of or in connection with the User Agreement (including any alleged breach or challenge to the validity or enforceability of the User Agreement)) shall be governed by and interpreted in accordance solely with the laws of Republic of Indonesia.

In the event of a dispute arising out of or in connection with the User Agreement, both parties shall first discuss in good faith to reach an amicable resolution within sixty (60) days from the date of the notice of dispute. If the dispute remains unresolved, the parties agree the courts of South Jakarta have non-exclusive jurisdiction.


The User Agreement are written in Bahasa Indonesia and English. In compliance with the Law of the Republic of Indonesia no. 24 of 2009 dated July 9, 2009 regarding Flag, Language, Coat of Arms and Anthem (the "Law No. 24"), the Parties agree that the Bahasa Indonesia version of the User Agreement shall be treated as an integral and inseparable part of the English version. In the event of any ambiguity, discrepancies or inconsistency between the English language text and the Indonesian language text, or if there should be any dispute in respect of the meaning or interpretation of certain provisions, the Parties hereby agree that the Bahasa Indonesia version will be deemed automatically amended to conform with the English version. Each Party further agrees that neither Party will in any manner or forum, or in any jurisdiction, challenge the validity of, or raise or file any objection to, the User Agreement or the transactions contemplated herein on the basis of non-compliance with Law No. 24.




If you have any questions or comments about these our Terms of Service as outlined above, you can contact us at:

PA.ID powered by PT Transforma Insight Asia
Gedung Plaza Mutiara Lt.8.
JL Dr. Ide Anak Agung Gde Agung Kav E 1.2 No. !-2
Rt. 007/RW. 02
Kelurahan Kuningan Timur, Setiabudi
Jakarta 12950
tel 021 50823490