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Akulaku PayLater

Country: Indonesia (ID)  |  Payment Rail: closed_loop_wallet

BNPL Market Adoption: 55%

Akulaku PayLater is a prominent consumer financing and BNPL solution in Indonesia, featuring cardless installment credit and widely used for major e-commerce marketplaces and digital lifestyle purchases.

🔄 User Payment Flow

  1. Customer chooses Akulaku PayLater at checkout
  2. Customer redirects to Akulaku secure authorization interface
  3. Customer logs in with phone number and selects installment schedule
  4. Customer confirms payment with SMS OTP code
  5. Customer is redirected back to merchant success page

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant creates payment order via payment gateway API
  • Gateway provides redirection URL to Akulaku portal
  • Akulaku handles consumer credit verification and authorization
  • Merchant receives instant server notification and settles order

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 DOKU🔌 Midtrans