Transforming MSMEs into trust-driven financial infrastructure with smart payment devices and intelligent financial engines.
KESLES Merchant is more than just a payment tool — it's a comprehensive system connecting field devices with centralized financial processing. This architecture enables MSMEs to participate in a trust-driven ecosystem where every transaction is verified, processed, and recorded with transparency and integrity.
Through integrated validation and processing, we transform payment collection into a data-rich operation, unlocking financial insights and enabling new service possibilities.
Smart payment devices deployed at merchant locations with real-time field validation.
Intelligent financial engine orchestrating all transaction flows, reconciliation, and settlement.
Transform transaction data into actionable financial intelligence for decision-making.
Sub-second processing with offline capability for reliability.
Bank-grade encryption, PCI compliance, and regulatory audit-ready standards.
Real-time dashboards and historical reporting for business intelligence.
Smart devices in the field working seamlessly with centralized financial intelligence.
Front-End Validation Layer
Deployed at merchant locations, these intelligent devices perform real-time transaction verification, immediate field validation, and edge processing. They enable transactions to be verified at the point of sale, reducing dependency on continuous backend connectivity.
Result: Merchants can process transactions reliably regardless of network conditions, with automatic reconciliation when connectivity is restored.
Back-End Processing Layer
The central orchestration hub processing all transaction data, managing fund flows, generating insights, and maintaining compliance. This layer aggregates field data, processes settlements, performs reconciliation, and enables advanced analytics across the merchant network.
Result: A unified system transforming transaction data into financial visibility, enabling merchants and partners to make data-driven decisions.
Intelligent split fund flow system automatically distributing payments to merchants, partners, and service providers based on predefined rules. Eliminates manual reconciliation and reduces transaction settlement time.
Benefits:
Role-based dashboards tailored for merchants and management partners. Merchants see transaction metrics, settlement status, and business performance. Partners get network-wide visibility and operational insights.
Features:
Enable MSMEs to operate with enterprise-grade payment infrastructure, reducing operational friction and accelerating business growth. Faster settlement means improved cash flow for small businesses.
Rich transaction data creates auditable financial records that banks and fintech partners can use for credit assessment. Opens new pathways for MSME financing and financial inclusion.
Comprehensive transaction logging, immutable records, and compliance trails designed to meet regulatory requirements. Simplifies auditing for merchants, partners, and government oversight.
Mobile payment devices for neighborhood markets, food vendors, and informal retailers. Enable cashless transactions with automatic daily settlements.
Counter-based payment solutions for small convenience stores and specialty shops. Provides inventory insights and sales analytics alongside payments.
Quick-service payment processing for food stalls, coffee shops, and beverage vendors. Track customer preferences and optimize product offerings.
Payment solutions for salon, repair shops, laundry, and service-based businesses. Manage appointments and payments in one integrated system.
Enable cooperatives and community businesses to operate professional payment infrastructure. Support collective bargaining and transparent fund distribution.
Support large MSME networks and franchise systems. Centralized control with distributed operations and consistent customer experience.
KESLES Merchant (QRIS Plus) is designed to help MSMEs operate with financial infrastructure-grade reliability. Let's discuss how we can integrate KESLES Merchant into your payment ecosystem and unlock new opportunities for growth.
PT Inti Kesles Nusantara
18 Office Park Building, 21st
Floor Unit C
Jl. TB Simatupang No. 18, Jakarta Selatan
DKI Jakarta, 12520