Easy digital finance features
for Indonesian farmers and agribusinesses
Responsible digital finance feature integration. E-payments, e-wallet-, e-bills, e-loans, e-insurance and financial statements. KoltiPay offers loans, savings, micro-insurance, and the ease of paying for everyday services like bills and prepaid top-ups.
Save money in your e-wallet
Make cashless
payments
Apply for
a micro-loan
Make and receive split payments
Track your transactions
Pay bills and top up your phone
Access crop insurance
Transfer from e-wallet to a bank account
Koltipay for Businesses
An Integrated E-Wallet Feature Solution for Your Businesses
A solution of an agriculture value chain and any natural resources, verified producers, input suppliers, and off-takers. Our KoltiPay feature provides your businesses to get the access of the responsible digital finance and payments. Your business can easily integrate KoltiPay in to the Koltiva’s end-to-end ecosystem on KoltiTrace LITE and CORPORATE mobile apps. Easy to evaluate loan applications, manage their loan portfolio and repayments, and execute premium distributions to farmers and suppliers (SME).
Premium Distribution
Execute premium payment distributions to farmers and suppliers with affordable cost, easy-to-use single dashboard with comprehensive monitoring feature, and supported by our responsive field team.
Crop Procurement
Procure farmers’ crop with ease, and select the easy payment option through the apps with bank transfer (BRIVA, ATM Bersama) or KoltiPay.
Agri-Input Purchasing
Ease your businesses by integrate with KoltiPay features to enjoy agri-input purchasing process from farmer to kiosk, distributors, until collectors with various payment that secure and convenient.
PPOB
Capacity building in digital and financial literacy to our business users. Individual user support for agri-input shops and crop aggregators along rural value chains.
Manage Loan Application
Easy access to loan application, easy to manage loan from farmers, check the loan portfolio, verify & approve loans, until repayments.
Koltipay for Farmers
Easy and secure e-wallet features for Farmers in a rural areas
Smalholders farmers using the FarmCloud and SME along the value chains have access to KoltiPay features easily. Koltiva is a digital wallet that provides convenience and secure transactions for all needs of global and rural value chains.
Make/Receive ePayments
Farmers can easily receive payment from traders with KoltiPay on their FarmCloud application. Buy and sell agri-inputs product from their FarmCloud application.
Go Cashless
Traders do not need to withdraw cash at ATMs or banks that are located far from their location to carry out of the crop transactions, and simply pay farmers through KoltiPay.
Apply for a Micro-Loan
Submit loan application easily in just a tap from apps, getting approved instantly, and enjoy affordable low interest. Agri-Input loan, and cash loan available
Traceable Payment Data
Users can track every transaction and improve their financial records easily.
Pay Bills and Top Up
Farmers & traders have access to KoltiPay mobile features to apply for pay electricity, mobile data and other PPOB facilities. Top up money easily that can be used to purchase agri-input, PPOB, etc
Split Payments
When a farmer needs pocket money, they have the option of receiving part of their payment in cash and the rest as cashless via online transfer.
KoltiPay is available across all Koltiva Applications
Farmers can access e-payments and crop insurance, create savings, access responsible loans, and directly pay electricity, social insurance premi, and phone credits directly from the FarmCloud App.
Along with rural businesses and agri-inputs shops that can access e-payments, digital financing through FarmRetail and FarmGate Apps.
"Our users are small farmers in rural areas in Indonesia and globally in 27 countries. They all need some quick cash.
With KoltiPay integrated to all Koltiva’s end-to-end ecosystems, they can easily start using cashless payments, e-wallets with split payment method to get some cash, and the rest goes directly to their savings accounts and digital wallets.”
We help rural enterprises and smallholder farmers by providing easy transactions and secure payments through KoltiPay
Unlocking Indonesian Agriculture’s Digital Future with KoltiPay
Kisman
COCOA SMALLHOLDER FARMER IN BERAKKAE, SOUTH SULAWESI
INDONESIA
Split payments are a very helpful feature. Bank transfers can be received during the harvest season. But, when cocoa production is low like nowadays, I prefer cash payment to fulfill my daily needs.