Fast, flexible, and built for now
Smart Wallet is a secure, built-in digital wallet that simplifies salary disbursement. Whether paying through bank transfers or directly via Smart Wallet, you can support all types of employees—office, field, or contract—on time, every time.
What Is SmartWallet?
SmartWallet is a digital wallet integrated into the Smart Salary platform.
It allows businesses to disburse salaries and reimbursements securely, even to employees without bank accounts.
Receive salary and reimbursements
Pay electricity (PLN), water (PDAM), and internet bills
Transfer funds to any Indonesian bank account
From Old Way to Smart Way
Payroll Shouldn’t Be This Hard
Traditional payroll relies on rigid bank-only transfers and manual processes—especially inconvenient for unbanked employees.
SmartWallet simplifies and modernizes disbursement
- No salary delays due to missing bank details.
- No need to require every employee to open an account
- No extra platforms to manage
Just Smooth
Compliant salary flows for every kind of worker.
SmartWallet in Action
Flexible Disbursement
Pay employees via SmartWallet or directly to their bank accounts—whichever fits their situation.
Essential Payments, Simplified
Employees can pay utility bills, top up mobile credit, or transfer funds—all from the same platform they use to check payslips.
Fully Integrated with HRIS & Payroll
SmartWallet syncs with Smart Salary’s HR system, including attendance, payroll, and reimbursements—no manual steps or disconnected workflows.
Optional Earned Wage Access (EWA)
Let employees access a portion of their earned wages before payday—only if your company enables it.
