What is Akulaku PayLater

About us

Akulaku is powered by PT Akulaku Finance Indonesia (AFI), a formal financial institution licensed and regulated by the Financial Services Authority of Indonesia (OJK). As the leading Buy Now Pay Later service provider in Indonesia, Akulaku PayLater enables millions of users to enjoy a cash-free and hassle-free life with Pay Later and loan products. We're proud of offering the innovative financial products and meticulous services, and all financial products and services complied with safety regulations.

Our user scope has reached 50 million, including 14 million credit users, and is consistently on its way up. Start getting access to Akulaku PayLater and growing your business with our cutting-edge solutions.

What can we provide?

1. Boost Your Sales (GMV)

Akulaku PayLater provides its users with flexible payment plans to better manage their daily purchases and personal finance, including Pay Later and installment payment plans. Once integrated with Akulaku PayLater, the order volume can be significantly increased by 30%*.

2. Increase Average Order Value (AOV)

By offering users a credit limit of up to 25JT, Akulaku PayLater beefs up the users’ purchasing capacity, raising the average order value by at least 52%*.

3. Improve Conversion Rate

Akulaku PayLater offers a smooth and simple payment flow that allows your customers to complete transactions without cash or a credit card, effectively boosting the conversion rate by 40%*.

4. Lower Transaction Fee and Risk

Akulaku PayLater runs eligibility and safety assessments on every transaction to safeguard the entire payment process while charging lower fees compared to credit cards or other e-wallets.

*Data referred from the performances of the client platforms.

How it works with you?

Akulaku “Instant Checkout” offers the seamless tokenized payment experience that allows customers to link their shopping account with the Akulaku account. Once the account is bound, no friction for future purchase.

You will start to receive payouts for orders made through Akulaku once your application is finalized. A payout delay will be incorporated into your agreement in order to settle your orders into one payment. The “payout delay” is the time between you sending the goods and the day you receive payment for these goods.