Payment Services Startup Investment Opportunity in Majalengka, Indonesia

Pre-revenue stage startup developing a cloud-based Point of Sales (POS) application designed to support the digital transformation of small and medium enterprises (SMEs) in Indonesia. Our platform is tailored for a wide range of businesses, including restaurants, cafés, retail stores, salons, and barbershops, with a focus on ease of use, affordability, and powerful features.
The business is officially registered with a Tax Identification Number (NPWP) and an Electronic System Organizer Registration.
- Vision:
To become Indonesia's leading POS platform supporting the digitalization of SMEs.
- Initial target markets:
We aim to launch in major urban centers including Jakarta, Surabaya, Bandung, and Denpasar, with plans to scale nationwide.
Key features:
- Sales dashboard: Daily, weekly, and monthly sales and expense summaries with product analytics.
- POS mode: Supports cash and digital payments (QRIS, Dana, OVO, GoPay), receipt sharing via WhatsApp, and real-time transaction tracking.
- Table management: Manage reservations and table status in real time.
- Product management: Categorization, stock control, and product recommendations.
- Employee management: Attendance tracking, salary/overtime calculation, scheduling, and SOP sharing.
- Sales and expense tracking: Offline order management and real-time expense notifications.
- Inventory management: Raw materials tracking, stock history, and supplier categorization.
- Comprehensive reporting: Sales, expense, and inventory reports available for printing.
- Digital payment integration: Seamless gateway support for e-wallets and other digital payment platforms.
- User-friendly interface: Multi-device compatibility (desktop, tablet, smartphone) with intuitive navigation.
Competitive edge:
- Proven concept: Successfully tested in a live restaurant environment for over 2 years.
- Hardware integration: Final product to be offered as a bundled package with a tablet and thermal printer (post-SaaS release)
- Scalable model backed by affordable subscription plans and platform fees only on digital payments.
Revenue model.
- Subscription plan: Tiered pricing for access to core POS functionalities - monthly/yearly.
- Platform Fee: Charged only for digital payment transactions (cash payments excluded)
Market opportunity:
Indonesia has over 64 million MSMEs (according to the Ministry of Cooperatives and SMEs). However, technology adoption remains low, creating a significant gap and growth potential for digital POS solutions, particularly as demand for digital payments continues to rise.
Next steps:
- Finalize application development roadmap.
- Beta launch within 6 months.