ButterPay
Top up once. Pay every supplier from one place
Supplier bills and outlet petty cash are created, tax-checked, approved and paid from a ButterPay balance you top up by bank transfer — with approval rules, payment limits and automatic recording in Xero.
- Top up by virtual account, pay approved bills in one click
- AI checks PPh and PPN on every bill
- Two-person rule, payment limits and Xero sync
Accounts payable without the drama
Manual transfers from internet banking
Approved bills are paid together from your ButterPay balance — no token, no copying account numbers one by one.
The PPh 23 nobody withheld
Every bill is checked for the kind of service and withheld at the right rate before it’s approved — not corrected in a tax audit.
Who approved this payment?
Every bill moves from draft to submitted, approved and paid — with an optional rule that two different people must sign off.
ButterPay balance
Top up once. Bills get paid from the balance, automatically
Transfer to your company’s virtual account from any bank. Approved bills are paid from that balance in one click — ButterPay sends every transfer to the supplier’s verified account, tracks it until it lands, and marks the bill paid.
- 01
Top up
Transfer to a BCA, BRI, Mandiri or BNI virtual account in your company’s name. The money lands in your payout balance.
Payout balance
Rp 186.420.000
Top-up received · BCA VA · 08:02+ Rp 150.000.000VA BCAVA BRIVA MandiriVA BNI - 02
Approve
Bills queue up by due date. Approvers see the total going out against the balance before any money moves.
Ready to pay
Approved · by due date- Toko Beverage Bali15 OctRp 4.275.000
- CV Kopi Gunung Batur17 OctRp 9.600.000
- UD Kemasan Kita18 OctRp 7.820.000
- CV Dairy Fresh Indonesia19 OctRp 12.960.000
Total, 4 billsRp 34.655.000Pay 4 bills - 03
Paid
One click pays the whole queue. No internet banking, no token, no copying account numbers — and every payment is recorded in Xero.
Sent to suppliers
Automatic transfers to verified accounts
- Paid
Toko Beverage Bali
Mandiri ••8877 · Rp 4.275.000
- Paid
CV Kopi Gunung Batur
BNI ••7781 · Rp 9.600.000
- Paid
UD Kemasan Kita
Mandiri ••0099 · Rp 7.820.000
- Paid
CV Dairy Fresh Indonesia
BCA ••9841 · Rp 12.960.000
Balance leftRp 151.765.000
Outlet petty cash refills from the same balance every morning, up to the limit you set.
Top up: virtual accounts in your own company’s name.
Pay: four bills, one click, checked against the balance before anything is sent.
Tax, checked by AI
PPh and PPN checked on every bill, before it’s approved
ButterPay understands Indonesian withholding. AI reads every bill and its faktur pajak — the kind of service, company or individual, local or foreign, with or without an NPWP — and prepares the right deduction. Suppliers are paid net, and no bukti potong is forgotten.
- PPh 23
Services and rentals from local vendors
Catering, cleaning, repairs, consultants, equipment rental: 2% of the service value before PPN, or 4% when the vendor has no NPWP.
- PPh 4(2)
Premises rent and construction
Final tax on renting shophouses, outlets or warehouses (10%) and on contractor renovations, at the rate for their qualification.
- PPh 26
Foreign vendors
Licences, royalties and services from abroad: 20%, or the tax-treaty rate when the vendor provides a valid DGT form.
- PPh 21
Individuals who aren’t employees
Fees to freelancers, photographers, designers or performers are handled separately from payments to companies.
- PPN
Input VAT from the faktur pajak
The NPWP, invoice number, DPP and PPN on the faktur are matched against the bill, so your input VAT can be credited.
Tax check
PT Rasa Prima Katering
RPK-INV-1027 · Sinamon Ubud
- TransactionCatering service → PPh 23, 2%
- VendorCompany, Indonesian · NPWP valid
- Faktur pajak040025004•••••••• · NPWP, DPP, PPN match
- Equipment rentalRental of assets other than land/buildings → PPh 23, not 4(2)
Bukti potong
Create the BPPU in Coretax · deposit by 15 Nov · report by 20 Nov
No more lost bukti potong
01At payment
PPh withheld
The vendor receives the net amount; the deduction is recorded on the bill.
02After payment
Bukti potong prepared
The data for the BPPU or PPh 21 slip is ready to enter in e-Bupot on Coretax, then send to the vendor.
03The 15th
Deposit reminder
Last month’s withholding per PPh article, totalled and ready to deposit.
04The 20th
Filing reminder
A recap for the SPT Masa, plus any bukti potong still to be created.
ButterPay prepares the calculation, the bukti potong data and the recap. Issuing bukti potong, depositing and filing are still done by you in DJP’s Coretax.
Supplier bills
From bill received to paid, one flow
Bills are entered with items, PPN, a due date and attachments, then submitted, approved and paid with a clear status at every step. Failed payments are visible and can be retried.
- Draft, submitted, approved, awaiting payment, paid or failed
- PPN per line and due-date tracking
- Destination bank accounts checked before money moves
- Attachments and supplier contacts synced to Xero
Control & safety
Limits that protect your money
Decide who can create and approve, how much can go out per payment and per day, and stop every payment in an emergency. Every step is recorded with a name on it.
- Two-person rule: creator and approver must differ
- Per-payment and daily limits
- An emergency stop for all outgoing payments
- A tamper-evident record of every money movement
Petty cash & recurring bills
Outlet petty cash and monthly bills, handled
Every outlet has its own petty cash ledger that refills itself each morning. Electricity, water, BPJS and internet bills are paid from a prepaid balance, with receipts from the provider.
- Per-outlet petty cash ledgers with a minimum and maximum
- Automatic refill every morning from the main balance
- PLN, PDAM, BPJS, Telkomsel and internet bills
- Provider receipts stored automatically
Accounting
Xero that matches reality
Bills, status changes, payments, attachments, supplier contacts and items sync to Xero line by line, against the right account. Each POS shift’s cash and every bank deposit are recorded automatically too.
- Invoices and payments synced automatically
- Every bill line has a Xero account; failed syncs retry
- POS shift cash becomes a Xero invoice
- Cash deposits recorded as a batch payment
Accounts payable for multi-outlet businesses
Built for finance teams juggling many suppliers and many outlets.
Balance & top-up
Top up by virtual account; every bill is paid from there.
Bulk pay
Pay every approved bill in a single step.
Layered approvals
An optional two-person rule so the creator can’t approve their own bill.
AI tax check
PPh 21, 23, 26, 4(2) and PPN checked on every bill.
Account verification
Destination bank accounts are checked before a payment goes out.
Limits & emergency stop
Per-payment limits, daily limits and an emergency stop.
Butter AI
AI in ButterPay
Money still moves by rules: approvals, limits and verified accounts. AI reads the paperwork around it.
A tax check on every bill
AI reads the service, the vendor’s status and the faktur pajak to prepare the right PPh and PPN before approval.
Bill check at receiving
Supplier bill photos taken in the Manager app are read by AI and checked against the purchase order before approval.
Ask Mastermind
Ask about spending and costs in plain language and see the query used to answer.
KYC documents
When you register your business, AI sorts and reads the verification documents to speed things up.
Works with
- DurianPay
- Pivot
- PLN
- PDAM
- BPJS
- Telkomsel
Works with the rest of Butter
One set of customers, menu and stock across every product — no exports, no extra integrations.
ButterSupply
Purchasing, receiving, recipes & COGS, and inventory
Croissant AlmondRecipe · 1 pc
Butter28 gRp 3,920
Flour55 gRp 605
Sliced almonds15 gRp 2,250
Mastermind
Sales, margin and customer analytics — ask in plain language
Gross margin · 30 days
64,2%
ButterPOS
iPad & Android point of sale for dine-in, takeaway and delivery apps
SINAR · SEMINYAK
Table 4 · #142
2×Kopi Susu Aren56k
1×Croissant Almond35k
1×Ayam Geprek38k
TOTALRp 129,000
QRISPAID
ButterPay questions
How do I fund ButterPay?
Transfer from any bank to your company’s virtual accounts shown in ButterPay. The money lands in your payout balance, and supplier bills and outlet petty cash are paid from it.
Are bills paid the moment they’re approved?
Approved bills join a ready-to-pay queue. One click pays a single bill or the whole queue, after ButterPay checks the total against your balance and payment limits.
Does ButterPay file my taxes with DJP?
No. ButterPay calculates the PPh to withhold, matches the faktur pajak, prepares the bukti potong data and reminds you of the deposit and filing dates. Issuing bukti potong and filing are still done in Coretax.
How do you prevent unauthorised payments?
Use the two-person rule, per-payment and daily limits, bank account verification and the emergency stop. Every money movement is recorded.
Does ButterPay connect to Xero?
Yes. Bills, payments, attachments, supplier contacts and items sync to Xero automatically.
See Butter run your business
A 30-minute demo with our team. We walk through the POS, online orders and reporting using your own menu.
Free, no commitment. We reply on WhatsApp within one business day.