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Electronic wallets are electronic services for storing instrument data such as payment instruments using the card and/or electronic money, which can also accommodate funds, to make payments. Electronic wallets are familiar with e-wallet, digital wallet, digital wallet or electronic wallet. In Indonesia, there are several types of digital wallets such as, OVO Cash and GO-PAY. The implementation of this digital wallet has been regulated by Bank Indonesia to be safe to use. From each electronic wallet there are several advantages depending on the user. Where to pay bills, discount deals, online shopping and buy credits can use electronic money stored in e-wallets

GOpay and OVO are two applications that move in the field of digital wallets. As explained at the beginning, through Gopay and OVO we can save money which we can use to do various transactions, ranging from eating, shopping, to watching movies.

Just what distinguishes between Gopay and OVO is Gopay is a digital wallet in the part of Gojek while OVO is a digital platform that stands independently but co-operates with GrabTaxi's online transport application.

It is undeniable that the presence of Gojek and Grab really helps the community to travel easily and quickly. However, it may be a problem when every consumer is required to pay in cash.

This is what makes Gopay and OVO fans increasingly increasing over time.

Because through Gopay and OVO, every transaction made by the public can be paid automatically without the need for cash.

  

Comparison of Gopay and Ovo

1. Service Application

The first Gopay and OVO comparisons are about service applications. As mentioned earlier that Gopay is part of Gojek so the service is focused on the services owned by Gojek.

While OVO is a digital platform that stands independently and consistently provides a wide variety of attractive promo for its users.

In addition to having its own application that can be used, OVO also works with the Grab online transport app. So Grab users can use OVO to make transactions.

For the scope of use, Gopay and OVO can be used in various merchants who have worked together. So you can get a variety of interesting deals through these two digital wallets.

2. Features

The second Gopay and OVO comparisons are features. In terms of its own features, in fact Gopay and OVO are not too much different.

Both can be used to pay for online transportation, such as Gopay for Gojek app and OVO for Grab.

Features in Gopay and Gojek as follows:

Gopay

All services in the Gojek application

Paying PLN

Health BPJS

Google Play voucher code

Game Voucher

Cable TV & Internet

PDAM

PGN gas

Multifinance

Pulse

Shop at all online stores or merchants that collaborate

OVO

All services in the Grab application

Paying Credit

Data Package

Postpaid

Health BPJS

Cable TV

HOOQ

Insurance

Environmental Contributions

Shop at all online stores or collaborating merchants

3. Promos and Discounts

Sometimes, people often do Gopay and OVO comparisons to get the best promos and discounts. Understandably the two applicators are currently the market leaders in the digital wallet segment.

So it's not strange if both of them are often seen involved in "discount wars" in order to get the hearts of consumers. It also makes people turn to use Gopay and OVO for transactions rather than using cash.

In the case of Gopay and OVO comparisons, the two applications work together with millions of merchants scattered throughout the city, ranging from theaters, restaurants, online shops, services, and many more that can be utilized.

In fact, it is not uncommon in one merchant to apply payment in the form of Gopay and OVO together so that consumers can choose.

Therefore, there will definitely be many benefits to be had if you use both applications simultaneously.

If the comparison of Gopay and OVO is seen in terms of promos, then usually Gopay will give around 50% cashback while Ovo can reach 60% for one transaction.

4. Top Up

It might have been mentioned at the outset that the use of OVO and Gopay can only be done if there is a balance in it.

Therefore, before using the two applications, the user must top up the balance.

Although considered trivial, the convenience of the community in terms of top-up is often used as a comparison of Gopay and OVO by users.

For how to top-up or top-up, the Gopay and OVO comparisons to note are as follows:

Gopay

Transfer to fellow Gopay users

Gojek Diver

Alfamart and Pegadaian

BCA OneClick

Mobile Banking BCA, Mandiri, BRI, BNI, PermataBank, ATM Bersama, BTN, Bank Mega, DBS Digibank, Maybank Indonesia

Internet Banking BCA, Mandiri, BNI, PermataBank, ATM Prima, Alto, BJB, BRI Syariah, BTN Mobile App and Web, Bank Sinarmas, CIMB Niaga, Danamon, Maybank Indonesia, OCBC NISP

ATM BCA, Mandiri, BRI, BNI, Permata Bank, Alto, ATM Bersama, ATM Prima, BTN, Mayapada Bank, Mega Bank, Sinarmas Bank, CIMB Niaga, Danamon, Maybank Indonesia, OCBC NISP, Panin Bank, Rabobank Indonesia

BRI SMS Banking, BNI, BJB, BRI Syariah, Maybank Indonesia, and CIMB Niaga

OVO

Transfer to fellow OVO users

Interbank transfer

Debit Card

ATM BCA, Mandiri, Nobu, BNI, CIMB Niaga, BRI, Permata Bank, Maybank, ATM Bersama, Prima, Alto

Mobile Banking BCA, BNI, CIMB Niaga

Internet Banking BCA, Mandiri, Nobu, BNI, CIMB Niaga, Jenius, BRI, BRI Syariah, Permata Bank, SIMOBI +, Maybank

Alfamart, Matahari Department Store, Hypermart, FMX, Foodmart Fresh, Boston Health & Store, Shell, MAXX Coffee, Books & Beyond, FOODMART PRIMO

5. Maximum Balance

According to Bank Indonesia regulation Number 20/6 / PBI / 2018, Bank Indonesia (BI) stipulates that the maximum refill limit for unregistered or unregistered electronic money is Rp2 million.

As for digital wallets, it has a maximum limit of Rp. 10 million.

For maximum balances in Gopay and OVO, both have relatively the same maximum amount, which is Rp2 million for unregistered or unregistered, Rp10 million for registers / premium, and Rp20 million for the maximum number of transactions.

6. Security System

Every digital wallet is required to have a good security system, so users also feel safe to make transactions when using the application. In addition, the maximum balance in each digital wallet can reach up to millions of rupiah.

So it will be very fatal if it does not have a qualified security system, because it can actually provoke criminal acts committed by unscrupulous elements.

For comparison of Gopay and Ovo in terms of security systems, the two applications have different security systems. Well, for complete information can be seen as follows:

Gopay

PIN

OVO

Security Code

Fingerprint