Frequently Asked Questions
Find quick answers to common questions about the Gaja app. If you can't find what you're looking for, our team is ready to help.
Download the Gaja app from the Google Play Store or App Store. Open the app, tap "Register", enter your active mobile number, verify the OTP code sent via SMS, then complete your personal details (name, national ID number, date of birth). Your Basic Gaja account is immediately activated and ready to use.
Your Gaja Balance can be topped up via bank Virtual Accounts (BCA, BNI, and Bank Ganesha), interbank transfers, and mobile banking. Your balance is credited in real time once your payment has been successfully confirmed.
QRIS payments at merchants are free for users. Fees may apply for certain services such as transfers to other bank accounts or PPOB product purchases. Fee information is always displayed transparently before you confirm a transaction.
Open the Gaja app, tap the "Pay" button or the QR scan icon on the home screen. Point your camera at the merchant's QRIS code. Enter the payment amount if required, review the transaction summary, then confirm with your Gaja PIN. Payment is completed in seconds.
Gaja is supervised by Bank Indonesia and uses industry-standard encryption (TLS/SSL) to protect transaction data. Every transaction is secured by a 6-digit PIN, and OTP verification is available for additional protection. Real-time notifications are sent to your registered number for every account activity.
On the login page or Profile menu, select "Forgot PIN". Enter your registered mobile number, verify the OTP code sent via SMS, then create a new 6-digit PIN. Make sure your new PIN is easy to remember but not easy for others to guess.
A Basic account has a balance limit of up to Rp 2 million and a monthly transaction limit of Rp 20 million. A Full Service account (after upgrading with e-KTP and selfie verification) has a balance limit of up to Rp 10 million and a monthly transaction limit of Rp 40 million, plus access to premium features.
Go to Profile > Upgrade Account. Have your electronic national ID (e-KTP) ready and complete the facial verification (selfie). The verification process is usually completed within minutes automatically. Once approved, your balance and transaction limits are increased automatically.
If your balance has been deducted but the transaction fails, your funds will be automatically refunded within 24 hours. If your balance has not been refunded after 24 hours, please contact Gaja Customer Care via email at hello@gaja.id or by phone at 0811-8149-4418, and provide your transaction proof (such as a notification screenshot or transaction reference number).
You can contact Gaja Customer Care via email at hello@gaja.id or by phone at 0811-8149-4418. For general inquiries, you can also browse this FAQ page or use the Help feature within the app.