Paper - Invoice & Payments

Complete Online Invoice and Digital Payment Solution for Smart Businesses

Paper is a smart business solution for entrepreneurs to run their business more efficiently and strategically. With automated financial processes, you can focus on growing your business as the top priority.

With Paper, you can:
✅ Automate invoicing, payments, reconciliation, and financial reporting
✅ Turn your credit card into a productivity tool, extending payment terms and maintaining healthy cash flow
✅ Access business financing through credit card–based funding to support business growth

Trusted by more than 700,000 businesses in Indonesia, Paper works with partners licensed by Bank Indonesia and supervised by OJK (Financial Services Authority), and is supported by leading banks and payment networks.

Start managing your business finances smarter, safer, and more efficiently with Paper.

ℹ️ Paper's Main Features

1. Digital Invoicing

✔ Create online invoices for free in just 3 minutes.
✔ Each digital invoice includes a payment link and can be sent automatically via WhatsApp, SMS, or email.
✔ Equipped with official PERURI e-stamp, ensuring the legal validity of every invoice easily and conveniently.

2. Send and Receive Business Payments

✔ Access more than 30 invoice payment methods, including credit cards, installments without EDC machines, bank transfers, QRIS, Virtual Accounts, and marketplaces (Tokopedia, Shopee, Blibli).
✔ All payments are directly connected to the online invoicing system, enabling automatic and real-time payment reconciliation.

3. International Payments with PaperXB

PaperXB makes it easy to pay international suppliers without needing a foreign bank account.

✔ Send cross-border payments with no hidden fees
✔ Pay overseas suppliers directly from your business dashboard
✔ Transfer money abroad easily via mobile without visiting a bank
✔ Use a business credit card to extend payment terms and maintain healthy cash flow

4. Expense Management with Paper Horizon

A complete corporate card solution that helps companies manage team expenses transparently and efficiently.

With Paper Horizon, you can issue additional cards for each department, set spending limits, and monitor expenses in real time.

✔ Monitor all transactions through the Paper dashboard
✔ Instant onboarding and top-up
✔ Flexible spending limits and expense delegation for teams or departments
✔ Direct integration with Paper’s accounting and invoicing system
✔ Extended payment terms up to 60 days
✔ Cashback on business subscription tools at various online merchants

ℹ️ Additional Benefits

✔ Every invoice transaction processed through Paper is automatically recorded and presented in simple financial reports, making it easy even for new business owners to understand.

✔ Integrates with your business ERP and can be customized through Enterprise Solutions, including OCR for converting hardcopy invoices to digital format, three-way matching, and other advanced features.

Paper is ISO 27001 certified and trusted by leading companies in Indonesia such as Kopi Kenangan, J&T Cargo, and PT Catur Sentosa Adiprana (Mitra10), and many more.

Your feedback is valuable to us. If you have any questions or suggestions, feel free to contact us:
support@paper.id

Website: https://www.paper.id/
Facebook: https://www.facebook.com/paperindonesia
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LinkedIn: https://www.linkedin.com/company/paper-id
YouTube: https://www.youtube.com/c/Paperid

Recent changes:
We've had kicked out the bugs and made the app run faster!
Update now and enjoy smarter, easier business with Paper.id!