GPN Card – Definition and How to Use It

The GPN card is an ATM card marked by a flying Garuda logo with the letters “GPN” underneath. It can be used on any EDC machine belonging to any bank across Indonesia.

You may not realize that you’ve been using a GPN card all along, short for Gerbang Pembayaran Nasional or National Payment Gateway. This card is part of an initiative by the Indonesian government encouraging all banks to adopt it to streamline domestic payment transactions.

Let’s explore more about this card. Below is a complete explanation of the GPN Card or National Payment Gateway.

What Is a GPN Card?

The GPN card, or National Payment Gateway card, is a system designed to integrate transactions between banks. It’s similar in function to international principal networks like VISA, Mastercard, or Cirrus.

Tested for over 20 years, the GPN card was officially launched in May 2018. Since then, Bank Indonesia and local banks have been actively promoting its adoption among the public. If your ATM card doesn’t yet have the GPN logo, you can exchange it at your nearest bank branch by bringing your ID and bank book.

Functions of the GPN Card

The main function of the GPN card is to facilitate cashless transactions. Users can swipe their GPN card at any EDC machine with the GPN logo, even if the machine belongs to a different bank, making it easier for Indonesians to make payments across all merchants.

These GPN-enabled EDC machines are now available throughout Indonesia. In other words, the GPN card helps transition society away from cash payments toward an electronic payment system, in line with the government’s vision.

Benefits of Using the GPN Card

You might be wondering what the benefits of this card are. One of the key advantages is that it allows you to make cashless payments on any bank’s EDC machine without issue.

The card is also equipped with modern chip technology similar to mobile SIM cards. This chip helps protect you from risks like data theft and skimming.

Here are several other benefits of the GPN card:

1. No Additional Fees

When using your GPN card on an EDC machine, even if it belongs to another bank, you won’t incur interbank admin fees.

2. Safe and Reliable

The security of the GPN card is guaranteed by Bank Indonesia, which spent over 20 years developing the system before its release.

3. Chip Technology

The chip stores your personal data and requires a 6-digit PIN before any transaction can be made, adding an extra layer of security.

4. No Minimum Transaction Requirement

GPN cards allow you to make purchases of any amount without a minimum spend requirement.

Advantages of Using GPN Cards

Beyond the general benefits, GPN cards offer additional perks, such as:

1. Sense of Security

With standardized features across the board, users enjoy a secure transaction experience.

2. Efficiency

All processing fees are domestic, which lowers overall transaction costs.

3. Easy Access

As the official national payment gateway, the GPN card can be used with any ATM card issued by Indonesian banks.

4. National Data Security

Because all data is processed within the country, cross-border data risks are minimized.

5. Protected Information

Your data is securely managed under national standards.

Additional benefits vary based on user type:

For the Public:

• Better accessibility
• More convenience
• Improved efficiency
• Standardized features and services

For Merchants:

• Broader access to bank customers
• Cost savings on transaction processing
• Standardized services
• Potential business growth

Disadvantages of the GPN Card

While the GPN card is highly beneficial for domestic transactions, it does have limitations; it cannot be used for international payments.

For instance, if you want to import goods or shop from international e-commerce platforms, the GPN card won’t work. It only supports domestic transactions. To make international payments, you’ll need a card from an international principal like VISA or Mastercard.

However, the Indonesian government continues to develop this system, and there’s potential for the GPN card to support online transactions in the future.

That wraps up our discussion on the GPN card. If you haven’t switched to this card yet, visit your nearest bank to exchange your old ATM card for a GPN card. It’ll make your transactions smoother and far more efficient.

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