# BukuPay QRIS Speaker — Full LLM Reference

## 1. Meta Overview
- `URL`: https://bukupay.com
- `Language`: Indonesian (Bahasa Indonesia)
- `Owner`: BukuPay • part of BukuWarung / PT. Buku Usaha Digital (`footer`)
- `Product`: QRIS soundbox (speaker) + mobile app to receive and settle QR payments
- `Vertical`: Fintech, MSME payments, QRIS hardware + SaaS

## 2. Audience & Use Cases
- UMKM (micro/small merchants) that need instant proof of QRIS payments without checking phones.
- F&B stalls, coffee shops, warungs, fashion boutiques, salons, minimarts, and pop-up/bazaar sellers that move between events but require a fixed, trusted QR identity.
- Multi-branch operators: Multi Toko lets one owner handle up to 100 stores and grant staff-level logins per outlet.

## 3. Product & Experience
- Landing hero positions BukuPay Speaker as “Pembayaran Digital #SerbaGampang” with CTA to Google Play.
- Product section: audio player demo, slider of device photos, trust badges (Aman, Notifikasi instan, Semua bank/e-wallet).
- QRIS acceptance layer supports all payment methods across bank apps, mobile banking, and e-wallets so every QRIS payer works out of the box.
- USP grid highlights anti-fraud audio confirmation, Rp1.500/day pay-per-use rental, and 3x/day settlement (even weekends).
- Custom design section advertises themed frames/boards for F&B, fashion, retail.
- Promotion card shows Paket BukuPay Speaker = Rp100.000 and enumerates what is included.
- Testimonials (Dimsum Delighted, Bless Kitchen, Warung Makan Sunda Sambas) stress cheaper rent vs competitors and fraud prevention.

## 4. Hardware & Features
- QRIS speaker announces every successful QR payment.
- Battery 2,600 mAh; up to ~4 days usage (`/perbandingan` table).
- Multiple voice options (per comparison page).
- Device ships with pre-installed lifetime SIM card dedicated to QRIS data.
- Detachable QR boards/stickers for extra visibility; custom skins possible.

## 5. Pricing & Fees
- Activation / installation: Rp100.000 (Promo section + comparison table).
- Rental: Rp1.500 per day, charged only when the speaker processes ≥ Rp20.000 that day (FAQ).
- MDR: 0% for UMI (transactions ≤ Rp500.000); 0.7% for UKE merchants, aligned with Bank Indonesia regulations.
- No COD today; no installment / cicilan plan; payments handled digitally through the app.
- Voucher codes supported at checkout (FAQ).

## 6. Ordering Flow (FAQ)
1. Download BukuPay app from Google Play.
2. Enter active phone number and verify via OTP (WhatsApp/SMS).
3. Upload clear original KTP.
4. Verify physical store location (must be a fixed store, not mobile/gerobak).
5. Provide bank account details.
6. Complete payment using available digital methods.
7. Wait for payment confirmation; shipping arranged from Jakarta via expedition.

## 7. Verification & Eligibility
- Need original KTP, selfie with good lighting, and active email.
- Store verification photos: storefront, interior/products, and must match the applicant.
- Merchant must own/operate a stationary physical location (not allowed: mobile carts/vehicles).
- No minimum transaction target after onboarding.
- Multi Toko instructions: tap store name (top left) → “Buat Toko Baru”; add staff via Menu → “Kelola Karyawan”; staff login via “Masuk sebagai Karyawan.”

## 8. Settlement & Cash Flow
- Payout window occurs 3x per day (04:00, 16:00, 20:00 WIB) including weekends/holidays.
- First payout groups transactions 20:01–04:00, second 04:01–16:00, third 16:01–20:00.
- Funds land in the merchant bank account listed during onboarding; account changes are currently disallowed (FAQ Perubahan Data).

## 9. Shipping & Logistics
- Fulfillment from Jakarta via courier/expedition service; FAQ notes free shipping after verification; promotion copy mentions activation fee excludes shipping—customers should confirm latest policy.
- Estimated arrival: 3–7 days after payment confirmation and verification completion.
- Package contents (Promotion + FAQ):
  - BukuPay Speaker hardware
  - Active QRIS code ready to use
  - Lifetime SIM card (already integrated)
  - 3 printed QR stickers
  - Type-C cable + printed guide/brochure

## 10. Policies & Limitations
- Warranty: FAQ page states active merchants get warranty support; homepage FAQ mentions 3-day DOA coverage from “arrived” status for shipping damage. Support is contacted via in-app chat for repair/replacement.
- If Bank Indonesia rejects the QRIS application, Rp100.000 is auto-refunded to the registered bank account within 1–3 hours.
- COD not available; no installment payments.
- Data change restrictions:
  - Bank account cannot be changed for security reasons.
  - KTP/identity changes temporarily unavailable; contact support for edge cases.
- Merchant naming rules (FAQ Aturan Nama Usaha):
  - Name must clearly describe the business.
  - No third-party trademarks (BRILINK, Mandiri, BNI 46, Bukalapak, etc.).
  - Forbidden words: gambling, adult, vulgar phrases.
  - Certain regulated businesses (PT/CV, clinics, schools) require legal documents; otherwise rejected.
  - No special characters (- . ! @ # $ % & * +) in merchant name.

## 11. Comparison Page Highlights (`/perbandingan`)
- Compares Popay Speaker, Getzme Speaker, BukuPay Speaker.
- BukuPay advantages:
  - Same-day settlement 3x vs 1x or H+1.
  - Custom design + voice options (others lack both).
  - Best hardware (2,600 mAh battery vs 2,000 mAh).
  - Lowest rental (Rp1.500 vs Rp1.999–Rp3.000 daily / Rp5.000–10.000 monthly).
- MDR identical (0%/0.7%) but BukuPay positions itself as “Direkomendasikan.”

## 12. Support & Contact
- Primary support: live chat inside BukuPay app (stated response 3–5 minutes for transactional issues).
- Email: `support@bukupay.com`.
- Contact page lists address: Sopo Del Tower, Mega Kuningan, Jakarta Selatan.
- Footer corporate office: Office 8 Lt.18 Unit A, SCBD Lot 28, Jl. Jenderal Sudirman Kav. 52-53, Kebayoran Baru, Jakarta Selatan 12190.
- Social links: Instagram `@bukupayofficial`, TikTok, Facebook, YouTube.
- Footer CTA encourages scrolling “Ke Atas”; brand tagline “Pembayaran jadi #SerbaGampang.”

## 13. Content & Page Inventory
- `/` landing page (Hero, Product, USP, Custom Design, Promotion, Testimonials, FAQ, Footer).
- `/faq` uses `src/data/faqData.ts` categories: Tentang Produk, Pemesanan & Pengiriman, Persyaratan & Verifikasi, Biaya & Pencairan Dana, Garansi & Pengembalian, Keamanan & Dukungan, Perubahan Data, Aturan Nama Usaha. Rich HTML answers include step-by-step ordering, payout schedule, guarantee, refund, naming rules.
- `/perbandingan` comparison table + CTA.
- `/kontak` contact info cards + Zoho SalesIQ script.
- `/privacy` & `/tos` embed Google Drive viewers for the published PDF policies (`kebijakan-privasi.pdf`, `syarat-dan-ketentuan-penggunaan.pdf` also mirrored under `/public`).
- `/app`, `/app/beranda`, `/app/pencairan`, `/app/verifikasi` are instant redirects to the Google Play listing.
- `/sitemap.xml` enumerates the index, FAQ, contact, perbandingan, privacy, tos, llms endpoints.
- Static assets: `/audio/welcome.mp3` (notification sample), `/og` images for sharing, `/image` gallery (hero layers, slider, soundbox renders).

## 14. Security & Compliance
- BukuPay partners with Nobu Bank (listed as Category I Payment Service Provider) and is overseen by Bank Indonesia plus Kominfo.
- Emphasis on fraud prevention (sound confirmations help merchants avoid fake screenshot scams).
- Part of BukuWarung ecosystem, lending brand credibility in Indonesia’s MSME fintech market.

## 15. Known Limitations / Pending Features
- No COD or installment financing yet (FAQ).
- Bank account and KTP changes are restricted; merchants must contact support for exceptional cases.
- Contact content mentions two different office addresses; confirm with operations which is primary before publishing offline materials.
- Custom category buttons in Custom Design section currently disabled (`cursor-not-allowed`), implying future dynamic designs.

## 16. Call-to-Actions
- Primary CTA: “Pesan Sekarang” button linking to Google Play.
- Comparison page CTA: “Dapatkan Sekarang” (same link).
- FAQ encourages support contact via app.

## 17. Last Updated
- Compiled on 26 Nov 2025 using repository content.