Paper - Invoice & Payments

Paper.id Invoice, Accounting & Inventory

About this app

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:
[e-mail]

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

Ratings and reviews

used to have a good solution for invoice financing. but recently blocked the paper card without advanced notification. already blocked 3 times within a year without proper explanation, 2 times can resume the services but the last time no clear explanation when will the service return

This app used to be good, and I used it often. Now, so many bugs. Invoices that can not be deleted, appearing as an overdue, slow loading, etc. Really frustating and leads to miscalculation on the finance. Decided to move to another app.

Great apps can handle stock, SO, PO, billing, payment, income statement, profit loss report. And it's all free, we can also logon to web paper, use web version, it has feature to download SO list, PO list, report to excel and csv file. I have compare like 10 apps to support my small online business, and so far paper id is the best, and I currently use it to run my online business on daily basis. And one more plus for paper, it has the best cust service, thanks to mbak icha! Thank you PAPER.ID!