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Empowering Digital Payments and Beyond

OVO is a versatile digital payment platform originating from Indonesia. Founded by Lippo Group, OVO has rapidly become a leading mobile payment and digital financial services provider, offering users a convenient way to make payments, manage finances, and access a range of lifestyle services through their smartphones.

% of coverage
  • Country


  • Population

    275 million (as of 2023)

  • Mobile Penetration

    High, reflecting widespread mobile phone usage

% of coverage
  • OVO


  • Debit/Credit Cards


  • Cash Transactions


Payment Method Overview
  • Type:Digital Payment & Financial Services Platform
  • Currency:Indonesian Rupiah (IDR)
  • % of coverage:Expanding due to OVO's growing ecosystem and user base
  • Refunds:Subject to the policies of partnering merchants and financial institutions
  • Chargebacks:Possible through collaborating financial institutions, subject to terms and conditions

About payment system

OVO stands as a comprehensive digital payment platform that offers users more than just payment capabilities. By linking their bank accounts or cards to the OVO app, users can seamlessly make payments, transfer funds, and enjoy a range of digital services that cater to their daily needs.

Beyond traditional payment and fund transfer functionalities, OVO users can pay utility bills, top up mobile credit, order food, book rides, and even invest in financial products. The platform’s integration of diverse services positions OVO as a lifestyle-enhancing solution that goes beyond finance.

OVO’s significance is rooted in its role as a transformative tool for Indonesia’s digital economy, providing financial access to diverse users, including those in remote areas. The platform bridges the gap between traditional payment methods and modern digital solutions, contributing to the country’s journey toward financial inclusion and digitization.

The platform’s commitment to security, user experience, and innovation is reflected in its secure authentication methods, encryption protocols, and user-friendly interface. As OVO continues to expand its offerings and user base, it plays a pivotal role in shaping Indonesia’s digital financial landscape, offering users greater convenience, financial control, and access to a variety of services.

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Payment flow

The customer selects Visa as their payment option and enters their credit card details to complete the payment.

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