GPN or Gerbang Pembayaran Nasional is a special   in  country that can accept card transactions from all Banks without additional administration fees. Users of this  must have a -licensed card to make transactions. 

This feature owned by  makes it easier for Merchants to accept transactions from various -licensed debit cards from all Banks in . So that Merchants don't need to provide lots of EDC machines or complex systems to accept payments from different Banks ( issuing) in .



There are 2 types of Merchants when using  services, Aggregators and Facilitators.

Merchants who have  services using credentials from . The  can make  transactions for all Banks directly using one account that is in .

Merchants who have  services using their credentials. The  gets permission from   facilitator to make transactions using their  directly without using intermediaries.