Freedom251 › Money Transfer Apps
LinkAja
by LinkAja
What LinkAja is
LinkAja is a free electronic payment app from PT Fintek Karya Nusantara, also known as Finarya. It runs on Android and iOS and provides API capabilities for business connections. Users can scan QRIS codes at supported merchants, buy mobile credit and data, pay electricity and recurring bills, and use transport or travel services available in the app. The service supports cardless cash withdrawals through available channels. Full Service users can send LinkAja balance to other users and bank accounts. LinkAja Account Linkage gives businesses APIs for payments, account linking, transaction-status checks, payment notifications, refunds, and account unlinking; available features depend on business needs and cooperation scope. Registration uses an SMS OTP, while transactions require a PIN. Basic Service and Full Service are both free, with different balance and incoming-transaction limits.
Who it suits
LinkAja suits individuals, merchants, and businesses seeking digital payment services in supported markets. Businesses can use its API capabilities when the integration scope matches their needs.
What it does well
- QRIS merchant payments
- Bills, mobile credit, and data purchases
- Transfers for Full Service users
- Cardless cash withdrawal available
- Business wallet APIs
What to know first
- Full Service requires identity verification
- Balance and incoming-transaction limits apply
- API scope depends on agreed cooperation
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Basic Service | Maximum balance Rp 2,000,000 · monthly incoming transaction limit Rp 20,000,000 | Free |
| Full Service | Maximum balance Rp 20,000,000 · monthly incoming transaction limit Rp 40,000,000 · requires identity verification | Free |
As linkaja.id lists them, read 11 Oct 2026. The maker's own page has the final word.
Verdict
LinkAja covers everyday payments, transfers, bills, transport, and business wallet integrations. Users should choose between Basic Service and identity-verified Full Service based on their transaction needs.
Facts from LinkAja's own pages
- Bills and top-ups
- The app supports mobile credit and data purchases, electricity payments, and other recurring bills. · linkaja.id, 11 Oct 2026
- Business integrations
- LinkAja Account Linkage offers API-based wallet capabilities, including payments, account linking, transaction status checks, payment notifications, refunds, and account unlinking. · lokaborasi.linkaja.id, 11 Oct 2026
- Cash withdrawal
- The site says users can withdraw LinkAja balance without a card through available channels. · linkaja.id, 11 Oct 2026
- Company
- LinkAja is a product of PT Fintek Karya Nusantara, also known as Finarya. · linkaja.id, 11 Oct 2026
- Upfront fee display
- Yes · play.google.com, 22 Sept 2026
- Founded
- 2019 · linkaja.id, 28 Sept 2026
- Free plan
- Yes · play.google.com, 22 Sept 2026
- Headquarters
- Jakarta, Indonesia · linkaja.id, 28 Sept 2026
- Integration availability
- API integration features depend on business needs and the scope of cooperation agreed with LinkAja. · lokaborasi.linkaja.id, 11 Oct 2026
- Intended users
- The site presents LinkAja for individuals, merchants, and businesses seeking digital payment services. · linkaja.id, 11 Oct 2026
- Mobile platforms
- both · play.google.com, 22 Sept 2026
- Payments
- Users can scan QRIS to pay at supported merchants. · linkaja.id, 11 Oct 2026
- Product
- LinkAja is an electronic payment app for everyday payments and transactions. · linkaja.id, 11 Oct 2026
- Regulatory status
- PT Fintek Karya Nusantara says it is licensed by Bank Indonesia as an electronic money issuer and funds transfer provider. · linkaja.id, 11 Oct 2026
- Security
- Registration uses an OTP sent by SMS, and transactions require the LinkAja PIN. · linkaja.id, 11 Oct 2026
- Support
- Customers can contact support through in-app or website live chat and by phone at 021-80602109. · linkaja.id, 11 Oct 2026
- Transfers
- Full Service users can send LinkAja balance to other users and bank accounts. · linkaja.id, 11 Oct 2026
- Transfer tracking
- Yes · play.google.com, 22 Sept 2026
- Transport
- LinkAja supports payments for transport and travel needs available in the app. · linkaja.id, 11 Oct 2026
Where LinkAja stands on Freedom251
- Money Transfer Apps#57 of 81