Railink: Alternatif Commuting Bekasi-Sudirman

Screen di belakang entah buat apa

Bagi sebagian besar warga Bekasi, commuting ke Sudirman dengan KRL adalah mimpi buruk. Sesaknya KRL melampaui batas kemanusiaan. Efeknya bukan hanya pingsan sesak napas, tetapi pelecehan seksual pun pernah saya alami. I’ll tell you about this later.

Entah apakah saya harus bersyukur karena tidak diperkosa di kereta, tetapi berbagai pengalaman buruk di KRL membuat saya terus mencari alternatif transportasi publik.

Kereta Bandara atau Railink adalah alternatif paling masuk akal dan masuk kantong. Dari Stasiun Bekasi ke Stasiun Sudirman Baru alias BNI City hanya Rp 20 ribu.


1. Dijamin duduk, reclining seat pula

2. Ruang tunggu dan gerbong ber-AC

3. Bisa sambil nge-charge HP

4. Harga relatif terjangkau

5. Ada lavatory, toilet kering seperti di pesawat.

6. Sepi, lengang

7. Lanjut transportasi lain dari BNI City relatif mudah.

8. Bekasi-BNI City hanya 40 menit.


1. Jadwalnya nggak asik. Dari Bekasi jam
dan 14.11.
Ngek ngok..

2. Lorong koneksi dari Stasiun BNI City ke stasiun KRL Sudirman/Karet kayak mau uji nyali;

3. Separuh seat hadap belakang, yaitu seat nomor 6 – 10;

4. Ada TV Layar datar yang posisinya aneh jadi nggak bisa disimak. Buang listrik doank.

5. Kalau lanjut pakai KRL masih harus bayar/ngetap lagi. Mudah-mudahan kabinet baru mempertimbangkan belajar dari London. Kalau naik kereta harus koneksi pakai underground/tube, nggak perlu bayar dan antri beli tiket tube lagi.

Kalau kamu melanjutkan perjalanan sampai Bandara, CONS-nya tambah satu:
Pemandangan sepanjang jalan adalah pemukiman kumuh berlatar gedung pencakar langit. Sedih.

Railink ini direkomendasikan buat kamu pekerja yang..
1. Jam kerja tidak terikat alias flexi hour,
2. Punya masalah mobilitas seperti berkursi roda atau lanjut usia,
3. Hamil muda, nggak enak minta duduk di KRL yang padat padahal perut belum buncit
4. Punya budget commuting lebih longgar.

Apabila kamu menikmati Railink hanya sampai BNI City, kamu berkesempatan berpapasan dengan sobat Rombongan Kereta (Roker). Mereka berdiri berdesakan di dalam KRL yang berhenti, mengalah supaya Railink bisa melaju kencang dan kamu duduk manis jumawa di dalam seraya melambaikan tangan pada sobat Roker di luar sana. Hahaha..

Choosing the Right Payment Gateway for E-commerce

If you are in the process of setting up a business in Indonesia with online payments, choosing a local payment gateway is a must. Even though the electronic transaction is growing along with the fintech ecosystem, choosing the right payment gateway for e-commerce is a different thing. Here are some tips to help you make the right choice.

Time is money

What’s the point of hiring a payment gateway if it doesn’t make your business run faster? Make sure the payment gateway’s integration doesn’t waste your time so you can focus on what matters: starting your business. We’ve heard some horror stories where you get set up on the payment gateway only to have to wait for them to go live. Once the setup is done, it is also important to know how quickly you can start accepting payments and receiving funds from your sales. It would be helpful if the payment gateway provides real-time notification via API in order to receive and send money instantly.

Some good questions to ask as you search:

  • Do I need to negotiate with each bank individually or can one negotiation with the payment gateway work across all the banks?
    Hint: most payment gateways will require you to negotiate with the bank or wait a month while they do it for you. In our case, we have aggregation agreements so you just negotiate once with us and you’re ready to go
  • How fast can we go live?
    Hint: most payment gateways require a few painful processes to go live, e.g. a bank needs to approve your MID for credit cards. With Xendit, it’s immediate – as soon as you’ve integrated you can go live.
  • How long does it take to integrate?
    Hint: get your developers to check out their API documentation. Xendit’s fastest integration was within 2 hours.
  • What accounting software do they integrate into?
    Hint: many haven’t invested time here. Xendit has, and it means you can have automated payments accounting which makes your life significantly easier over manual journal entries.
  • Settlement time
  • Customer and technical support

Money matters

Different payment gateways have a different fee structures and should be transparent up front. Payment gateways usually charge transaction fees, monthly fees, and/or setup fees. Before committing to any payment gateway, make sure there is no hidden fee or surprise charge that makes you end up paying more than what you bargained for. Also make sure to ask for the total in cost fee. Their fees may look lower but then you need to pay the bank fees. It would be great if the payment gateway allows you to try their service on your e-commerce first.

Here at Xendit, we charge only 1 set of fees, our cost per transactions. These are all inclusive, we pay the bank charges. We don’t charge any monthly hidden fees, maintenance fees or setup fees.

It helps you feel confident about the gateway you choose and an opportunity to learn about the different charges you must account for especially if you want some tweaks. Some payment gateways cost a lot just for direct integration, but Xendit doesn’t charge you any more for this work. In fact, Xendit gives you 30 days free with fully fledged features, full support, and a seamless transition to upgraded account.

A good question to ask as you search:

  • What’s the fully loaded cost per month of my transactions?
    Hint: check for setup, maintenance, monthly and bank fees added on top. Many PGs are not transparent about these costs. Xendit always is.

Hosted versus non-hosted

A hosted payment gateway is more suitable for a small-medium enterprise that requires an instant and cost-effective way to accept card payments. It will redirect customers off your page to their securely ‘hosted’ payment page. Once the payment has been made, customers will be returned to your page and have their order confirmed. The perk of this option is that the offsite provider is responsible for all PCI compliance and data security. On the other hand, directing customers off your page means you don’t get to fully control the UI

A non-hosted or integrated payment gateway links your e-commerce page via API provided by the gateway. The benefit is that customers never have to leave your e-commerce page to input payment information and submit their orders. An integrated payment gateway gives customers a smooth and seamless shopping experience in your store. However, the setup of gateways integrated via API can be time-consuming and more difficult. Hence, it is critical to choose payment gateways with high standard APIs and one that is customizable like Xendit. Xendit does little change to meet e-commerce’s specific use cases. The development team is ready to help your e-commerce get up to speed with just 3-5 days integration.

Some good questions to ask as you search:

  • Does the payment gateway offer a hosted page?
  • Does the hosted page contain their branding or can it have yours?Hint: Some PGs try to force their branding everywhere. We believe in making you look good, not us so we only have our details for customer support.


Methods of payment

Indonesia’s customers are unique. The World Bank Global Findex reported there is only 1.6 percent of adult Indonesians having a credit card even though 36 percent of Indonesians have a bank account with a formal financial institution. In addition to that, internet and mobile banking have become more popular. Therefore, it is important to make sure the payment gateway for your e-commerce is able to accommodate all of them. Xendit helps you to accept payments from various methods of payment such as bank transfer, virtual account, and credit card.

Some good questions to ask as you search:

  • What payment methods does the payment gateway have?
  • What plugins do they offer and is it compatible with your version of X?Hint: Even if someone has a wordpress plugin it may not work for your version. Get proof it can before committing.

Fraud detection systems

If you’re dealing with credit cards you’ll want to be using some sort of fraud detection system. Good payment gateways should have this by default and be able to provide it to you to lower your chargeback risk. All payments at Xendit are securely protected by the same fraud detection systems used by Visa.


Some good questions to ask as you search:

  • How does the payment gateway execute fraud detection?
    Hint: You’ll want to hear that they can take in inputs from your transactions to feed into their fraud models. If they can’t take in data, how can they be building a good system? Some information can be gained from transactions but as you grow you’ll want the option to input your own data to drive fraud decisions.

Customer support

It is increasingly common for payment getaways to offer email support only. However, e-commerce is a 24/7 experience. That is why the right payment gateway for e-commerce should offer reachable and responsive support when you need it most. If email support is not the appropriate level of customer support you need, it would be better to choose a gateway with telephone or chat support which is far more responsive.

Some good questions to ask as you search:

  • What are the operating hours of customer service?
    Hint: Most do Mon-Fri 9-5pm. Xendit does 8am – 10pm, 7 days a week, even on public holidays,e.g. Lebaran and Christmas
  • Then actually try and send a random support ticket. See how long it takes to reply.
    Hint: Compare Xendit to other payment gateways. We consistently hear we have better responsiveness than other payment gateways.


Security has never been overrated, especially when it comes to card payment data. Make sure you keep up with the 3.0 version of the Payment Card Industry Data Security Standards (PCI-DSS). It helps your e-commerce and the payment gateway to implement standards for security policies, technologies and ongoing processes that protect your payment systems from breaches and theft of cardholder data. All payments at Xendit are securely protected by the same fraud detection systems used by Visa. All sensitive data is encrypted in transit and at rest, and all payments are processed on PCI DSS compliant system. It’s not an exaggeration to say that your e-commerce is protected with security standards used by banks, governments, and Silicon Valley.

We understand that choosing the right payment gateway is very important to make sure your e- commerce business stays on top of all transactions in Indonesia. With the right payment gateway, your business no longer need to worry about processing payments and can finally focus on delivering superior goods and services to customers.

But not all payment gateways are created equally. Each one has its own strengths and weaknesses. Talk to each player in Indonesia and you will find reason to work with each of them based on different use cases and priorities.

If you have some questions about navigating the various payment gateways in Indonesia, we can help. Please feel free to ping us over online chat, WhatsApp, or emails, we’d love to help out.


Written by Tika Widyaningtyas for Content Collision and Xendit.

5 Tips For Startups To Collaborate with Corporates by Natali Ardianto

Natali Ardianto

A report written by Imaginatik and MassChallenge reveals startups-corporations collaborations is now a mission critical. From the organization’s perspective, they seek to interact with startups to explore new technologies and/or new business models. In return, a large organization offers more than money. Corporations should be seen as partners who offer access, advice, and strategic opportunities for mutual gain.

Natali Ardianto, the co-founder of an online travel agency tiket.com said that his startup live is all about relationship with partners, especially corporations. Corporations as customers are able to maintain startups’ stability despite the uncertainty of current economic situation. As a partner, corporations obviously help the startup to grow faster and grow together.

“In fact, we have to put partners above customers,” says Natali, “for instance, in Indonesia we might have hundreds customer. Once we lose a customer, we can fix it with other customers. But when we only have less than 10 partners, we can’t do the same. Once we lose a partner, our business will go down surely.”

However, Natali admits it is not easy for startups and corporations in Indonesia to collaborate. There are challenging perceptions, cultural differences, not to mention different goals on both sides. To deal with the challenges, Natali shares to ContentCollisions his 5 tips to partnership with corporates.

Tips #1: Meet The C-Level

The Indonesian’s startups problem to collaborate with corporations is not to get their foot in the door, but finding the right person in the business. On that account, meeting the C-Level is the first thing a startup needs to do. The best thing about reaching out the top decision makers is the ease and flexibility to create exclusive program which might not exist before. Natali gives an example when tiket.com started their collaboration with Garuda airlines.

“I met Emirsyah and Erik (CEO and CMO Garuda) to deal with the airline to built the first API of Garuda for Tiket. So our partnership was system-to-system instead of capturing the on-screen information,” says Natali.

Natali believes it is not difficult for startups nowadays to meet these C-Level. They are mostly available online on LinkedIn, Twitter or Facebook. “Just drop them a message and set the time,” he added.

Tips #2: Find A Mentor With Strong Networks

According to Natali who is also the co-founder of Indonesia startups community, StartUp Lokal, mentor should not be treated as a marketing tool to gain investors only. It is important for a startup to find a mentor who can connect them with a powerful network to build a long-lasting partnership.

“Network is more important than investors,” Natali says, “Even though we have major investors, if we don’t have a strong network, our business can’t grow rapidly. And that’s not what an investor wants.”

Tips #3: Be Professional and Be Prepared

It is not surprising if a corporate underestimate an early stage startup because of their lack of professionalism. Such startup usually less independent and leave everything to the corporation. Some of them do not even come up with legality issues and financial plan. As a result, they might not be able to counter critical questions from the respective corporation in their pitch.

For this reason, meticulous preparation is a requisite. Natali had to revise Tiket’s proposal and financial plan for approximately eight times to make everything make sense and to take the corporate’s fancy. It is necessary to clearly define in this stage the market potential, business models, the person in charge, and the revenue forecast, not to mention what the startups are going to do with the corporations.

A well-prepared sales script play an important role to make it perfect. “As an example, I usually convinced a corporate by comparing marketing fee they’ve spend. Why they should ‘waste’ their marketing budget for unknown return; while in Tiket, they only pay the marketing fee if a transaction proceed. In other world, they know exactly how much money they should spend for a definite transaction that we call commission.”

Aside from all the information provided, corporates have gut feelings about the skills the founders have. Without the sales script, the pitch usually confusing, unstructured, and non-sense. The common mistake of Indonesian startups in this case is showing non-sense numbers, such as telling the corporates that their potential market is a hundred million people based on the number internet users nationally. Meanwhile, children or old people might not potential customers for online travel agents like Tiket, for instace. Therefore, creating a logic sales script is also essential.

Tips #4: Hold The Head Up High

Natali believes a founder without a self-confident is like self-sabotaging his own business. Speaking of tech industry ten years ago, lack of confidence among startup founders were quite common. Nowadays, Indonesian corporations are more aware the hidden gems of a startup although the founders are very young.

“The age of one of Tiket’s founder when we started the pitch was 22 years old, and he was so ‘unyu’ (cute, baby-face). It was quite hard to convince large corporates with such appearance without self- confident,” says Natali.

Self-confident is the best suit after preparing flawless pitching, of course. Therefore, losing in a pitch cannot let Natali down. “I always think, he (the corporate) just missed an opportunity to collaborate with me; instead of thinking that I am nothing and I deserve this loss.”

Tips #5: Maintain The Relationship

Once a corporate agree to collaborate with startups, maintaining the relationship is a must. “Come to them when you need something or when you’re in a trouble is not a good idea,” Natali says. Startups need to consider a corporate as a partner, not just a client, which means they have to be there when the corporate needs a hand.


According to Natali, ethical is the key to maintain a long-term relationship. In other world, startups must listen to the corporation’s input. In addition to that, a simple appreciation is also necessary. “At least, greet them with a simple text over WhatsApp.”


Written by Tika Widyaningtyas for Content Collision

Stay at Home Mom

Itulah jabatan yang dengan bangga saya sandang sejak kembali dari negara sono. Nggak sedikit yang ‘menyayangkan’ latar belakang pendidikan, kemudian menawarkan bisnis ini-itu atas nama FINANCIAL FREEDOM. Saya memang senang bekerja, senang sibuk. Tapi kalau diajak jualan yang merekrut manusia2, itu “bukan gue banget”. Yang bikin bete adalah kalau ditolak, dibilang “Nggak mau bantuin suami nyari penghasilan tambahan.” Padahal eijk punya laki nyantai aja. Bahkan nyantai banget.

Yang mereka nggak tahu adalah ada baaaaanyak hal yang bisa dikerjakan dari rumah untuk dapat uang belanja tambahan. Ini bukan lagi jualan lipstik, tetapi sekedar sharing apa saja yang bisa dikerjakan di rumah di era digital ini.

Ini lagi hype banget. Semua ibuk2 mendadak jadi blogger demi undangan promosi dan goodie bag. Saya memang ngeblog sejak 12 tahun lalu, tetapi ngeblog untuk mempromosikan merek komersial “bukan gw banget.” Tapi kalau kamu ingin merintis karir di bidang kepenulisan, I strongly suggest memulai dari blogging. Setidaknya blogmu bisa jadi portofolio sekaligus lab dan playground kamu.

Bukan penulis cerita hantu, woy! Ghostwriter itu kita nulis untuk penulis lain. Misalnya, ada bank mau bikin buku tentang finansial. Mereka bayar kita untuk kerjakan itu, tapi nanti di buku yang ditulis nama mereka.
+ duitnya gede
– musti sabar nunggu invoice cair

Sekarang ada banyak tuh portal penadah content writer. Ada yang bayarannya berdasarkan kualitas tulisan, ada yang berdasarkan perolehan klik. Contoh portal yang bayar dari klik adalah IDN Times dan UC News. Jadi jangan kaget kalau di portal tersebut banjir artikel click-bait. Kalau yang bayarannya berdasarkan kualitas, misalnya Content Collision atau majalah2 travelling.

Ini kerjaan favorit saya. Saya menulis sesuai pesanan dan tidak terikat di satu perusahaan. Biasanya pesanannya artikel2 tips dengan promosi tipis2, atau mengerjakan press release. Pernah ditawarin nulis artikel provokatif hoaks tipis juga. Bayaran satu artikel provokatif setara 20 tulisan research-based untuk media asing. Kebayang nggak “easy money” nya? Beberapa perusahaan bahkan kasih komisi kalau artikel tersebut dapat banyak klik, atau dishare di berbagai media. Nah, kalau kamu hobi share artikel beginian, SELAMAT! Anda berkontribusi aktif mengembangkan bisnis konten provokatif nggak jelas. Yang kayak gini walau duitnya banyak, tapi “bukan gw banget”. Saya mending disuruh bikin press release tujuh rupa dah daripada bikin broadcast ala-ala.

Tapi bukan wartawan perang juga, kaliii.. Jadi wartawan jaman now mah enak. Wawancara lewat telpon, email, atau Skype, tulisan diketik di dashboard online. Selesai. Biasanya yang perlu jasa semacam ini adalah media bisnis dan startup.

Ini juga kerjaan favorit saya. Jaman sekarang, siapa yang nggak suka update status? Apalagi dibayar. Tapi jangan salah, jadi admin medsos nggak bisa asal update atau komen. Biasanya ada rambu2 dari pemilik merek yang harus dipatuhi dan ini yang bikin kerjaan Mimin challenging. Belum lagi kalau si klien menargetkan like/follow sebanyak2nya dengan hadiah sepelit2nya. 10ribu follower organik dalam seminggu, hadiahnya cuma 3 set goodie bag. Mampus juga kaaann… Hahaha…

Biasanya kliennya online shop kelas menengah nih. Saya pernah nyoba, tapi ternyata stok kesabaran saya nggak sesuai untuk kerjaan ini. Sebetulnya kerjaannya sederhana, hanya balas chat calon konsumen yang tertarik produk juragan. Yang bikin males adalah kalau ada orang yang nanya banyak, trus nyela2 barang/harganya ditawar secara sadis, kalau ditolak nyelanya makin jadi, udah gitu kagak beli pula. Makanya ya buk ibuk, kalau belanja lewat WA/Line itu mbok ya jempolnya disekolahin dulu. Kasihan adminnya. Kalau buk ibuk bikin emosi, nih admin betenya ke anak/suami di rumah lho. Eh! Hehehe…

Jadi, jaman sekarang jadi Stay-at-Home Mom itu seru banget sepanjang kita tahu kita bisa apa. Kalau bisa jualan, ya jualan lah. Itu e-commerce bwanyak banget. Kalau bisanya nulis, ya nulis lah. Kunci sukses dari Stay-at-Home-but-Work-Hard Mom adalah disiplin tinggi, komitmen terhadap manajemen waktu, dan pergaulan luas.

Ketika tulisan ini saya bagikan, teman-teman menambah daftar panjang pekerjaan yang bisa dikerjakan di rumah, yaitu:

Hm, bicara hot money mungkin pekerjaan ini yang paling hot, namun bukan yang paling mudah. Untuk bisa terjun ke pasar saham banyak hal yang harus dipelajari. Saya belum ke sini nih, mungkin ada yang bersedia mengajari saya?

Jadi ingat Kelas Inspirasi Tegal. Salah satu siswa SD yang saya datangai waktu itu bercita-cita jadi YouTuber. I mean like, WOW! 5 tahun lalu sepertinya belum ada jenis cita-cita ini.

Kalau punya tampang komersil, kamera mumpuni, dan lingkaran sosialita buat bertralala-trilili, ini doable banget. Rasanya hampir setiap orang yang punya Instagram sekarang mendambakan jadi selebgram, pakai baju endorse dari ujung kepala sampai ujung rambut. Nggak heran orang jualan follower laku keras. Sah-sah aja, dan keren. Cuma ya kalau tampang pas-pasan kayak saya ini, boro-boro mau jadi selebgram. Foto dilike Lukman Sardi aja sampai sekarang girangnya bukan main. Ndeso. Hahaha…

Nah, yang ini mirip-mirip kerjaan freelance writer dalam hal self-management. Kita yang menentukan mau ambil kerjaannya atau enggak berdasarkan brief dari klien. Bedanya, perlu kemampuan berbahasa asing dan wawasan mengenai negara dari bahasa tersebut untuk bisa menekuni pekerjaan ini. Sekarang ini ada banyak sekali portal penadah translator lho. Googling aja, pasti dapat. Tapi jangan kaget kalau kliennya bawel banget dan maha pelit. Haha…

Nah, itu dia pekerjaan yang bisa dikerjakan di rumah bagi para emak-emak stay-at-home. Selain itu, ada apa lagi ya? Share donk..

Dear Wendy

Setelah lebih dari setahun hiatus, aku mau mendedikasikan kiriman “home-coming” ini untuk seseorang bernama Wendy Scott. Aku belum pernah ketemu dia, tapi namanya sudah berhasil membuat hari-hariku cerah hingga 365 hari mendatang! Haha!

Jadi ceritanya agak buka aib dikit nih, domain ini sebetulnya cukup lama sekarat. Domainnya sih nggak terlalu mahal, nggak ada $30 setahun. Sama budget pulsa lo nggak ada apa-apanya lah. Masalahnya adalah…

  1. Kartu kreditku diblokir. Tapi aku masih harus bayar materai Rp 6000 tiap bulan. I mean like, hellloooo!! Aku gak isok nganggo kartune tapi dikon mbayar nemewu ki yak opo kamsude sampeyan, heh?!
  2. Kartu debitku terhubung ke nomer lama yang entah kenapa dan bagaimana sekarang dipakai dedek-dedek ABG yang aku nggak kenal sama sekali. Come on, Telkomsel! Really? After our 10 years relationship?! Aku wes entek-entekan ngetokno dhuwik tuku pulsa larang-larang gae nyenengno sampeyan. Aku gak pernah berkhianat ganti provider, ehlhadalah… Aku lungo luwih seko 3 wulan ae mak bedunduk nomerku gak isok digae trus maleh dikekno wong liyo. Dikekno cewek liyo! Sing luwih enom! Luwih ayu! Luwih kinyis-kinyis! Kowe butuh opo? Dhuwik? Nyoh, dhuwik nyoh!
  3. Kartu debit poundsterling charge-nya mahaaaaaaaall banget untuk transaksi dalam kurs lain. Iya deh situ punya negara tajir mlintir, budaknya banyak, yang lain nggak boleh ikutan tajir. Oke fine!

Baca yang huruf tebal aja, hoy!

Jadilah aku curhat sama yang kuasa atas domain-domain WordPress, minta diberi waktu 7 hari untuk ke bank ngurus administrasi. Yah, namanya emak-emak dengan keterbatasan mobilitas, butuh waktu tiap mau keluar walaupun cuma ke bank sepuluh menit.

Dalam kurun waktu kurang dari 48 jam, curhatanku dibalas oleh empunya nama Wendy Scott. Apa balasannya?

Unfortunately, we are not able to extend domain registrations since they are regulated by ICANN and can only be registered or renewed in annual increments.

I see that you’ve had this domain for quite some time and would hate for you to risk letting it expire and possibly losing the domain. Therefore, as a one-time courtesy, I’ve renewed the domain at no charge for an additional year. That should give you plenty of time to sort out credit card details for your next renewal. 🙂

Aaaaalhamdulillaaaaahhh.. Ya Allaaaahh.. Itu tanda titik dua sama tutup kurung rasanya kayak senyumnya Reza Rahardian di film Critical Eleven. Hadeehh.. Itu senyum apa gorengan sih? Renyah banget, minta dikunyah.

Ini baru namanya CUSTOMER SUPPORT! They literally support the customer financially! Thank you WordPress.com and Automattic! Hahaha…

Halo, halo, kepada Telkomsel (dan provider lain?) tolong nih pelayanan kayak begini ditiru. Baru juga 3 bulan nomer nggak aktif, itu pun karena di luar negeri bukan karena nggak ada pulsa. Eeeehh.. tahu-tahu nomernya dipakai orang lain tanpa ada pemberitahuan terlebih dahulu. Padahal itu nomer terkoneksi sama akun bank, akun online shop, dan akun-akun lain. Huh!

Udah ah curhatnya. Makasi lho udah dibaca sampai habis. I’ll see you very soon! Kiss kiss mmmmmuach!