“Can DANA evolve from Indonesia's leading e-wallet into the default embedded payments and disbursement infrastructure for Indonesian businesses?”
DANA (operated by PT Espay Debit Indonesia Koe) is an Indonesian e-wallet and payment service provider licensed by Bank Indonesia. It has expanded from a consumer digital wallet into an enterprise platform — Gapura Payment Gateway, Integrated Payment, Disbursement, and Point of Sales — positioning itself as embedded payments infrastructure for Indonesian merchants.
DANA discloses PT Espay Debit Indonesia Koe (in-house) as its banking provider, according to the Embedded Finance Index 2026.
DANA does not disclose a bank charter of its own; its banking services are provided through PT Espay Debit Indonesia Koe (in-house).
DANA processes payments through DANA Wallet (self-operated), Gapura Payment Gateway (self-operated), DANA Integrated Payment (self-operated) and DANA Point of Sales (self-operated).
DANA uses DANA Disbursement (self-operated) for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 3 layers in DANA's stack: Payments / PSP (DANA Wallet (self-operated), Gapura Payment Gateway (self-operated), DANA Integrated Payment (self-operated) and DANA Point of Sales (self-operated)); Banking / BaaS (PT Espay Debit Indonesia Koe (in-house)); FX & payouts (DANA Disbursement (self-operated)).
DANA is headquartered in Jakarta, Indonesia.
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