# BukuPay QRIS Speaker - Full LLM Reference

## 1. Meta Overview
- `URL`: https://bukupay.com
- `Philippines URL`: https://bukupay.ph
- `Language`: Indonesian (Bahasa Indonesia)
- `Owner`: BukuPay, part of BukuWarung / PT. Buku Usaha Digital
- `Product`: QRIS soundbox/speaker plus mobile app for QRIS payments, store management, settlement, and support
- `Vertical`: Fintech, MSME payments, QRIS hardware, merchant operations
- `Market note`: bukupay.com is the Indonesia website; BukuPay is also available in the Philippines at bukupay.ph.

## 2. Audience & Use Cases
- Indonesian UMKM merchants that need instant proof of QRIS payment without repeatedly checking a phone.
- F&B stalls, coffee shops, warungs, fashion boutiques, salons, minimarkets, and pop-up/bazaar sellers that need a trusted QRIS identity.
- Multi-branch operators using Multi Toko to manage up to 100 stores under one owner account and assign staff-level logins per outlet.

## 3. Product & Experience
- Landing hero positions BukuPay Speaker as digital payments made "#SerbaGampang".
- Primary CTA opens a download modal with Android (Google Play) and iOS (App Store) options.
- `/app`, `/app/beranda`, `/app/pencairan`, and `/app/verifikasi` still redirect directly to the Google Play listing.
- Product sections highlight instant audio notifications, QRIS acceptance across bank/e-wallet apps, fraud reduction, and settlement 3x per day.
- Promotion card currently shows "Mulai #SerbaGampang cuma Rp150.000", discounted from Rp450.000.
- Testimonials emphasize cheaper daily usage, payment confirmation by sound, and fraud prevention.

## 4. Hardware & Features
- QRIS speaker announces every successful QRIS payment.
- Device supports QRIS payment notifications over cellular connectivity; current promotion names a 4G SIM card.
- Connectivity FAQ includes BukuPay V2 WiFi/cellular mode switching and a YouTube guide for connecting BukuPay V2 to WiFi.
- Battery copy is inconsistent across current pages: product/FAQ say up to 3 days normal use, while `/perbandingan` says 2,600 mAh and up to 4 days.
- Multiple voice options are promoted, and 2026 release notes mention male/female notification voice choices with limits on frequent changes.
- Package contents currently promoted in the homepage promo: BukuPay Speaker, active QRIS code, 4G SIM card, 2 extra QRIS stickers, Type-C cable, and guide/manual.

## 5. Pricing & Fees
- Current homepage promotion: activation/device cost Rp150.000, discounted from Rp450.000, plus free 2 months of subscription fee.
- Current `/perbandingan` page still lists BukuPay installation at Rp100.000, which conflicts with the homepage promo. Treat Rp150.000 as the current homepage promo and align page copy before reusing pricing externally.
- Daily rental/subscription: Rp1.500 per day, only when the speaker receives transactions of at least Rp20.000 in a WIB-based 24-hour usage period.
- FAQ explains that two nearby rental charges can appear around date changes because billing is per 24-hour WIB period after a qualifying first transaction.
- MDR: UMI merchants have 0% MDR below/at the micro threshold and 0.3% above Rp500.000; UKE merchants use 0.7% MDR, aligned with Bank Indonesia QRIS MDR rules.
- No COD today; no installment/cicilan plan.
- Voucher codes are supported at checkout; current release notes say vouchers are handled earlier in the package-selection step and revalidated before order creation.

## 6. Ordering Flow
1. Download BukuPay from Google Play or App Store.
2. Enter active phone number.
3. Verify using OTP sent through WhatsApp or SMS.
4. Complete onboarding/KYC with KTP and selfie.
5. Verify a fixed physical store location; mobile carts/vehicles are not eligible.
6. Enter bank account information.
7. Select an available BukuPay Speaker package, enter voucher if available, and complete payment digitally.
8. Wait for payment/verification confirmation.
9. Shipping is arranged from Jakarta through an expedition/courier service.

## 7. Verification & Eligibility
- Identity verification needs original KTP, active email, and selfie with good lighting.
- Store verification requires photos of storefront and products/interior; photos must be genuine and tied to the applicant.
- Merchant should own/operate a stationary physical location, not a mobile cart or vehicle.
- No minimum transaction target after onboarding.
- Multi Toko instructions: tap store name at top left, choose "Buat Toko Baru"; add staff through Menu -> "Kelola Karyawan"; staff login via "Masuk sebagai Karyawan."
- Latest release notes dated 15 Jun 2026 say onboarding and order flow are more sequential: verification/account/business data are directed before ordering so activation is clearer.

## 8. Settlement & Cash Flow
- Regular QRIS settlement occurs 3x per day:
  - 07:00 WIB for transactions from 20:00-06:00 WIB
  - 18:00 WIB for transactions from 06:00-16:00 WIB
  - 22:00 WIB for transactions from 16:00-20:00 WIB
- FAQ says settlement is automatic, with no extra fee, and minimum regular settlement is Rp20.000.
- Funds land in the merchant bank account registered for settlement.
- FAQ notes that financial reports and actual disbursement batches can differ in grouping because settlement is batched 3 times daily while reports may show daily aggregates.
- Pending or failed settlement is usually retried automatically for up to 2 working days; if still problematic, the merchant can update bank account details in the app or contact support.

## 9. Pencairan Instan
- Pencairan Instan lets merchants request disbursement outside regular settlement schedules from the app.
- Fee: Rp2.000 per instant disbursement.
- Minimum: Rp20.000 net amount received after fee.
- Maximum: Rp10.000.000 per disbursement.
- Limit: maximum 2 requests per day.
- Availability: cannot be used during regular settlement windows or from 00:00-05:00 WIB.
- Release notes introduced Pencairan Instan as a key feature in version 2.10.0 dated 10 Apr 2026, with further stability improvements in later releases.

## 10. Shipping & Logistics
- Fulfillment is from Jakarta via courier/expedition.
- Estimated arrival is 3-7 days after verification/payment completion.
- Shipping fee copy is currently inconsistent: FAQ says shipping includes free shipping, while homepage promo says "Belum termasuk ongkir" / shipping separate. Confirm final checkout policy before publishing externally.
- Current package contents:
  - BukuPay Speaker hardware
  - Active QRIS code
  - 4G SIM card
  - 2 additional printed QRIS stickers
  - Type-C cable
  - Printed guide/manual
- 2026 release notes mention SIM renewal flows, especially XL SIM renewal, so avoid describing the SIM as "lifetime" unless operations reconfirms that wording.

## 11. Policies & Limitations
- Warranty: homepage FAQ states 3 calendar days from device arrival status for delivery-related damage, with support through the BukuPay app. Detailed FAQ also says active merchants receive warranty support for device damage or technical issues.
- If a QRIS application is rejected by Bank Indonesia, FAQ says refund is sent automatically to the registered/entered bank account, usually within 1-3 hours after rejection.
- Refund policy release note dated 7 Jan 2026 says merchants can request refund after 1 QRIS rejection, replacing an older 3-rejection requirement.
- COD is unavailable.
- Installment payments are unavailable.
- KTP/identity changes are temporarily unavailable through self-service; urgent cases should contact app support.
- Bank account change is now supported with controls:
  - If the new account owner name matches the KTP name, merchant can change it through app settings.
  - If the new account owner name differs from the KTP name, support/MH and MVT use a manual verification process with relationship/document checks to reduce account takeover risk.
- SeaBank limitation from 6 Jan 2026 release notes: SeaBank is no longer supported for new settlement bank setup; accounts registered before 1 Oct 2025 remain safe.

## 12. Merchant Naming Rules
- Merchant name must clearly describe the business.
- Names that are only a personal name without business context can be rejected.
- Do not use third-party trademarks or names such as BRILINK, Mandiri, BNI 46, Telkom, Bukalapak, Payfazz, BukuWarung, etc.
- Forbidden words include gambling, adult/pornographic terms, vulgar language, and fraud-indicating terms.
- Regulated business types such as PT/CV, clinics/doctors/midwives, schools, and tutoring centers may require legal documents.
- Do not use special characters such as `-`, `.`, `!`, `@`, `#`, `$`, `%`, `&`, `*`, `+` in merchant names.

## 13. Comparison Page Highlights (`/perbandingan`)
- Compares Popay Speaker, Getzme Speaker, and BukuPay Speaker.
- BukuPay advantages claimed on the page:
  - Same-day settlement 3x per day vs 1x or H+1.
  - Voice options.
  - 2,600 mAh battery vs 2,000 mAh competitors.
  - Lowest daily rental in the table: Rp1.500/day vs Popay Rp1.999-Rp3.000/day and Getzme Rp5.000-Rp10.000/month.
- Pricing conflict: `/perbandingan` still says BukuPay installation Rp100.000, while homepage promo says Rp150.000. Update the comparison page or treat this as legacy comparison copy.

## 14. Support, Safety & Contact
- Official issue reporting: use Bantuan/Live Chat inside the BukuPay app for operational issues such as missing transactions, device problems, failed settlement, and support requests.
- Footer warning: BukuPay does not accept problem reports via phone or WhatsApp.
- `/cek-nomor` lets users enter a phone/WhatsApp number to verify whether it is an official BukuPay contact.
- Fraud advice: do not share OTP/PIN, do not transfer unexpected fees, do not click suspicious links, and verify numbers before responding.
- Public social links: Instagram `@bukupayofficial`, TikTok `@bukupayofficial`, Facebook `bukupayofficial`, YouTube `@bukupay`.
- Partnership email: `partnership@bukupay.com`.
- Market links: Indonesia site at `https://bukupay.com`; Philippines site at `https://bukupay.ph`.
- Footer office address: Gedung Office 8 Lt. 18 Unit A SCBD Lot 28, Jl. Jenderal Sudirman Kav. 52-53, Senayan, Kebayoran Baru, Kota Adm. Jakarta Selatan, DKI Jakarta, 12190.

## 15. Content & Page Inventory
- `/`: landing page with hero, product, problem/solution, trust strip, USP, how-it-works, promotion, testimonials, FAQ, final CTA, footer.
- `/faq`: detailed FAQ from `src/data/faqData.ts`; categories include product, ordering/shipping, verification, fees/settlement, guarantee/refund, security/support, and data changes.
- `/perbandingan`: comparison table and CTA.
- `/cek-nomor`: official-number checker and anti-fraud education page.
- `/updates`: changelog/release notes sorted newest first; latest repository entry is version 2.13.0 dated 15 Jun 2026.
- `/kontak`: contact page.
- `/partnership`: partnership email page.
- `/privacy` and `/tos`: Google Drive viewer embeds for public PDF policies mirrored under `/public`.
- `/app`, `/app/beranda`, `/app/pencairan`, `/app/verifikasi`: redirect to Google Play.
- `/sitemap.xml`: currently lists older core routes and LLM files but does not yet include all newer pages such as `/cek-nomor`, `/updates`, and `/partnership`.
- Static assets include `/audio/welcome.mp3`, `/og` share images, `/image` gallery and product assets, Plus Jakarta Sans fonts, and PDF policy files.

## 16. Security & Compliance
- BukuPay works with Nobu Bank, described on-site as a Category I payment service provider.
- Site copy states the product is regulated/overseen by Bank Indonesia and Kominfo.
- Anti-fraud themes:
  - QRIS speaker voice confirmations reduce fake screenshot/payment proof risk.
  - Official-number checker helps users avoid impersonation.
  - In-app Help is the official support path for operational problems.
- No client-side secrets or sensitive keys should appear in this static site.

## 17. Recent App/Product Updates
- 6 Jan 2026: onboarding and bank-account policy updates, separate refund/settlement account handling, SeaBank new-setup limitation.
- 7 Jan 2026: refund after QRIS rejection available after 1 rejection instead of 3.
- Jan-Feb 2026: report export, login/session, staff login, OTP/support-chat, and stability improvements.
- 10 Apr 2026: Pencairan Instan introduced.
- Apr-May 2026: order, payment, voucher, app performance, navigation, camera, and instant-disbursement improvements.
- 28 May 2026: SIM renewal, voice selection, business profile, settlement display, and transaction detail improvements.
- 10 Jun 2026: profit-share reporting added.
- 15 Jun 2026: weekly profit-share, shareable story report, more sequential onboarding/order flow, package selection, voucher placement, address form improvements, and settlement notification improvements.

## 18. Known Content Inconsistencies To Resolve
- Activation/device price: homepage promo says Rp150.000; `/perbandingan` says Rp100.000.
- Settlement times: detailed FAQ says 07:00, 18:00, 22:00 WIB; homepage FAQ component still says 06:00, 16:00, 20:00 WIB.
- Shipping: FAQ says free shipping; promo says shipping is separate.
- Battery: FAQ/product copy says up to 3 days; `/perbandingan` says 2,600 mAh up to 4 days.
- Sitemap: does not yet enumerate several newer routes.

## 19. Call-to-Actions
- Primary CTA: "Pesan Speaker" / "Pesan Sekarang", opening the Android/iOS download modal.
- Comparison page CTA: "Dapatkan Sekarang", opening the same modal.
- Footer quick links include release notes, comparison, partnership, privacy, and terms.

## 20. Last Updated
- Compiled on 3 Jul 2026 using repository content and current public app listing references.