The platform details the minimal steps merchants perform and how those steps map to audit-ready settlement artifacts.
Denpasar, Bali, Indonesia, 21st Jan 2026 — Xepeng today published a detailed account of the merchant workflow for conversion-based payments, demonstrating how the platform reduces operational burden for Indonesian businesses while preserving auditability and regulatory traceability.
As cross-border digital payments grow, merchants often face uncertainty about what new systems will require from them. Xepeng’s design philosophy is to keep merchant actions simple and aligned with existing financial and accounting processes. The result: merchants can accept international digital payment sources without taking on custody, exchange monitoring, or additional accounting complexity.
“Merchants should be able to capture international demand without changing how they run their business,” said Penke Pancapuri, CEO of Xepeng. “We designed a single, predictable workflow so merchants focus on service while Xepeng handles verification, conversion and settlement.”
Xepeng’s published workflow reduces merchant involvement to a few simple steps that fit into current operations:
- Create a payment link
Merchants generate a secure payment link from their dashboard or API and attach an invoice or booking reference. - Share the link with the buyer
The buyer pays using their preferred digital instrument (stablecoin). - Confirm commercial evidence
Merchants retain the invoice/booking record and provide it if required for dispute resolution. - Reconcile Rupiah settlement
Merchants receive a Rupiah settlement for bookkeeping and audits.
These minimal steps preserve existing merchant processes (invoicing, receipts, tax reporting) while enabling access to international payment flows.
While merchants maintain only the commercial leg, Xepeng centrally handles the regulatory, technical and settlement components:
- identity verification and AML/KYC screening;
- conversion execution;
- Rupiah settlement through domestic banking rails.
By centralizing these functions, the platform eliminates the need for merchants to operate wallets, track token prices, or hold exchange accounts.
For international marketplaces and travel platforms, the streamlined merchant workflow provides a predictable settlement endpoint into Indonesia. Integrations can rely on simple merchant actions: generating a payment link, sharing it with the buyer, and reconciling the Rupiah settlement, while Xepeng handles the conversion and audit trail. This alignment minimizes onboarding friction and reduces operational exceptions for cross-border transactions, making cross-border commerce less complex.
In Bali’s tourism sector, for example, hotel or tour operators can use this workflow to accept payments from international visitors using digital instruments, receiving Rupiah settlements with full documentation for local accounting.
Merchants and potential partners can contact Xepeng at hello@xepeng.com or visit www.xepeng.com for more information.
About Xepeng
Xepeng is a conversion-first payments platform that enables Indonesian merchants to receive Rupiah settlements from international digital payment sources without requiring merchants to manage digital assets.
Media Contact
Organization: Xepeng
Contact Person: Budi Satrya
Website: https://xepeng.com/
Email: Send Email
Contact Number: +6287862024247
Address:Jl. Cut Nyak Dien No.1, Renon
Address 2: Denpasar Selatan, Bali
City: Denpasar
State: Bali
Country:Indonesia
Release id:40400
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