PayFazz

PayFazz is an agency-based financial platform that empowers small warungs (micro-retailers) across Indonesia to offer digital financial services to their communities. Through a network of local agents operating out of neighborhood shops, PayFazz enables mobile top-ups, bill payments, remittances, prepaid electricity, and e-wallet top-ups in areas underserved by traditional banking. Founded in 2016, PayFazz built one of Indonesia's largest branchless banking agent networks, serving rural and semi-urban populations with no prior access to formal financial services. In 2021, PayFazz merged with Singapore-based Xfers to form Fazz Financial Group.