BI-SNAP Gateway

Open Banking Compliance, Made Simple

M-SNAP is a BI-SNAP agent that works as both service provider and service consumer. Meet Bank Indonesia's Open API standards with a solution that supports 80+ transaction types out of the box.

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Two Roles, One Platform

M-SNAP covers the full BI-SNAP ecosystem. Whether you're a bank opening your APIs or a fintech consuming them.

Bank Transaction API (BTA)

Open your banking APIs securely to fintechs, e-wallets, and other BI-SNAP consumers. Register new consumers with minimal configuration.

Client Transaction API (CTA)

Connect to multiple BI-SNAP providers (banks) through a single integration point. Add new bank connections easily.

Service Management

Monitor, create, manage, and modify your API services through a centralized dashboard built on the MiOS platform.

Security & Compliance

OAuth 2.0 authentication, two-factor authentication, SHA256/HMAC-SHA512 encryption, and TLS 1.3 secure channels.

Bank Indonesia Compliance

Built to Meet the BI-SNAP Mandate

Bank Indonesia requires all payment API providers to adopt BI-SNAP standards (PADG BI No.23/15/PADG/2021). M-SNAP is purpose-built to meet these requirements so you can focus on your business, not regulatory complexity.

Full compliance with BI-SNAP technical specifications
Supports balance inquiry, credit transfer, direct debit, QRIS, and more
Multi-format communication: ISO8583, ISO 20022, JSON, XML

Frequently Asked Questions

Common questions about M-SNAP and BI-SNAP compliance.

M-SNAP is a BI-SNAP agent that enables banks and fintechs to comply with Bank Indonesia's Open Banking API standards. It functions as both a service provider (BTA) and service consumer (CTA).

Any institution that needs to provide or consume BI-SNAP APIs: banks, e-wallet providers, fintechs, airline companies, hotels, and other businesses integrating with the Indonesian payment ecosystem.

M-SNAP supports 80+ transaction types including balance inquiry, transaction history, direct debit, account binding, card registration, credit transfers (intrabank, interbank, SKNBI, RTGS, bulk transfer, virtual account, QRIS MPM), and debit transfers (BI-FAST, QRIS CPM).

M-SNAP uses OAuth 2.0 with Bearer Tokens, supports two-factor authentication, encrypts signatures and payloads with SHA256withRSA and HMAC-SHA512/AES-256, and secures all channels with TLS 1.3.