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Get to Know Moka Capital
Moka Capital is a business loan solution for Moka merchants through Moka's financial partners that are licensed and supervised by the OJK. Through Moka Capital, eligible merchants can easily apply to raise funds to grow their business.
Why Moka Capital?
- Easy Application Process
Unlike loans through conventional banks, funding from Moka Capital is more practical because the conditions are easy, the documents needed are simple, and do not need collateral and checking accounts. - Trustworthy
All financial partners in Moka Capital are companies that have been licensed and supervised by the OJK. Moka Capital's financial partners consist of P2P lending companies, Banks and Equity Crowdfunding. - Suitable Option
Moka Capital has a funding product called Term Loan which is a business loan that is suitable for developing your business with a total loan of up to Rp 2 Billion Rupiah and a maximum tenor of 2 years.
Select the funding option and apply for funds to grow your business now. For more information, contact our customer care team at 1500 970 (ext. 2).
Moka Capital FAQ
The following are answers to frequently asked questions (FAQ) on Moka Capital:
- Do I need collateral in my loan/funding application?
You do not need to prepare for a collateral, but make sure you have supporting documents that are subject to submission such as: KTP, NPWP, and Family Card. But the documents required by each financial partner may be different, so check prior to applying. - How can I see the status of my loan/funding application?
You can always check the status of your application via Backoffice, but the Moka Capital team will also provide email updates. You can always contact our customer care team at 1500 970 (ext. 2). - My loan/funding application was rejected, can I submit another application?
You can reapply to a different Moka Capital lending partners. One thing you should always make sure is that your business profile and performance is in line with the financial terms & conditions of the lending partner.
You can also read more from the article "3 Hal yang Perlu Diperhatikan Saat Mengajukan Modal di Moka Capital" (in Bahasa Indonesia) that is on the Moka Blog, to learn more about things to look for during your application process.
- How long is the duration of the loan/funding application at MOKA Capital until the credit review process is completed?
- Term Loan
- KoinWorks: up to 6 working days
- Modalku: 3-5 working days
- Commonwealth Bank:
- 1 business day to get confirmation of the results of credit reviews and loan information offered
- 14 business days for the loan verifying process
- You need to create a Commonwealth Bank account at a nearby branch to be able to receive loan funds.
- Term Loan
Getting to Know and How to Setup ECR Link, the First Step of Integrating Moka with the GoBiz PLUS Device
In this article, you will learn:
- ECR Link and the Benefits It Offers for Your Business
- Prerequisites and 3 Steps Setup
- Step 1: How to Create a New Payment Configuration on Moka Back Office
- Step 2: How to Activate ECR Link on Your Tablet
- Step 3: How to Find Your GoBiz Device’s IP Address
ECR Link and the Benefits It Offers for Your Business
Moka ECR Link (Electronic Cash Register Link) is a feature found on Moka POS to process payments by debit/credit cards through GoBiz PLUS devices.
With this feature, the cashier does not need to enter the amount that needs to be paid and the type of card used by the customer manually into the EDC machine. The payment amount and card type have been integrated, and are automatically input to Moka POS. Ultimately, the nominal amount that appears is guaranteed to be 100% accurate.
In comparison, outlets without the ECR feature still need to input the payment amount and card type manually into Moka POS. This condition creates the risk of incorrect input and also takes more time to process transactions.
Here's a comparison between outlets with and without Moka’s ECR Link:
| Using ECR Link | Without ECR Link | |
| Registering EDC | Requesting for EDC can be done through Moka POS | Requesting for EDCs need to be done through various banks according to the EDC service providers |
| Data Consolidation & Transaction Amount | Automatically consolidated with Moka POS | Not automatically consolidated and needs to be tagged manually in Moka POS |
| Accuracy of Revenue Data | 100% Accurate | Not 100% Accurate |
| Operational Impact to Cashier | Easier to use Cashier does not need to manually input the transaction amount on the EDC and only has to choose the payment method using GoBiz Plus |
Less easy to use Cashier needs to manually input the transaction amount and the customer’s payment card’s number on the EDC and on Moka POS. This step is required to record the proof of transactions in case said transaction is not recorded properly in the EDC |
Prerequisites and 3 Steps Setup
The ECR Link feature on Moka can be used by all Moka POS merchants who meet the following three prerequisites before setting up the feature:
- Has an active Moka POS account whose application has been updated to version 17.7 for Android, and 27.8 for iOS.
- Has a GoBiz account that has been activated with a GoPay account. Click here to learn how.
- Has a GoBiz PLUS device, Learn the specifications here.
If you have made sure that the three prerequisites are met, then you are ready to set up the ECR Link feature. There are two stages that you need to complete to successfully setup the ECR Link feature on your Moka POS, namely:
- Activating the special Payment Configuration "GoBiz PLUS" on Moka Back Office
- Activating ECR Link on Tablet
Stage 1: How to Create a New Payment Configuration on Moka Back Office
This is the first step in the ECR Link setup where you are directed to activate the "GoBiz PLUS EDC" payment configuration through the Moka Back Office. Here are the steps:
- Access Moka's Back Office account.
- Select the Payment menu.
- Select Payment Configuration.
- Select Add Configuration.
- Fill in the Configuration Name.
- Select the outlet that will use the payment configuration that is being made.
- Select the desired payment method for this payment configuration, including “GoBiz PLUS EDC” for the card payment method.
- Select "Save"
Stage 2: How to Activate ECR Link on Your Tablet
After you have confirmed that there is an active GoBiz PLUS payment method, you need to activate the ECR Link on the tablet which will then be used by the cashier to process customer orders. The method is as follows:
- Login to your POS account on your Tablet.
- Go to settings and under the words "Hardware". choose GoBiz PLUS EDC.
- Click "Connect with IP Address."
- Enter the IP Address on the GoBiz PLUS Device. Learn how to do it here.
- Click on “Connect Now.”
Additional Stage: How to Find Your GoBiz Device’s IP Address
As explained in the second step of the ECR Link setup, you are directed to fill in the IP Address of the GoBiz PLUS device. This step is needed so that the device used by your cashier to process customer orders can be automatically integrated with the GoBiz PLUS device. Check out the method as follows:
- Log in to your GoBiz account. Learn how to do it here.
- Choose more.
- Select Payment.
- Select Troubleshooting.
- Select Sambung ke mesin kasir
- Select the toggle under “Nyalakan Sambungan”so it turns purple.
- Your IP Address will be displayed.
Congratulations, you have successfully set up the ECR Link. Let's get ready for the convenience of processing customer orders.
Read more: Getting to Know GoBiz PLUS, the All-purpose EDC Device for Your Outlet
Will there be training when I subscribe, and how do I submit a training request?
Moka's technical team will provide training when you start subscribing it. Training materials that will be taught around the use of applications, backoffice, and hardware.
If you still need training in the middle of the subscription period, please contact our support team at 1500970 ext. 2 or Whatsapp to 08119956652.
How to Solve Offline Data Issue
Offline Data happens when your customers' transaction data cannot sync with the Moka system due to internet connection issues or other reasons.
To avoid losing offline data, you need to back up your Moka App data.
Here is the steps to solve offline data issue:
- Download and install iMazing on your computer.
- Open iMazing on your computer.
- Connect your iPad with your computer.
- You will receive a notification on your iPad, click Trust.
- If you assign a password on your iPad, insert your password.
- Tap on Later.
- On the menu section, click Manage Apps.
- Press the Device section, then click Moka.
- Click the arrow icon, then tap on Back Up App Data.
- Select which folder to back up data Moka App data on your computer, then click Next.
Congratulations! You have successfuly back up your Moka App data.
Frequently Asked Questions, and Terms & Conditions Related to E-Wallet
- How long is the e-wallet activation process?
The e-wallet activation process depends on each e-wallet provider:
Gopay
The activation Gopay process will take 20-30 working days.
OVO
The activation OVO will take 3-5 working days.
DANA and LinkAja
The activation DANA and LinkAja will take 10-14 working days.
Kredivo
The activation Kredivo will take 2-3 working days.
Akulaku (Only for Food & Beverages businesses in Jabodetabek)
The activation Kredivo will take 5 working days.
Alipay and WeChat Pay
The activation Alipay and WeChat Pay will take 3-5 days only for top cities. - How can I receive e-wallet cashback promo for my outlet?
Get your cashback promo according to your activated e-wallets here:
Gopay
No cashback promo since March 2020.
OVO
Cashback promo is approved and selected by OVO. The requirement for your outlet to have cashback promo are here:- Your outlet is located in the top 4 cities in Indonesia.
- Your outlet is included on the Account Management (AM) list.
- Your other existing outlets have been approved by OVO before.
- You have OVO EDC.
DANA
No cashback promo at this moment.
LinkAja
No cashback promo at this moment.
Kredivo
Cashback promo is approved and selected by Kredivo.
Akulaku
No cashback promo at this moment.
Those are the most frequently asked questions regarding e-wallets.
If you need more detailed information, kindly access the Terms and Conditions of e-wallet use at Moka through the following link.
Important Information Regarding COVID-19
How to Run Business During Pandemic
More About Moka. What Do You Want to Learn Today?
Frequently Asked Questions (FAQ)
What if I can't login to the App?
There are several possibilities why you can't log into the Moka application. You can try several ways according to the following constraints:
A. If Forgot Password
- Click Forgot Password on the backoffice/application login page
- Check the verification link sent to the registered email address
- verify your account on the email
B. If You Don't Get Email Verification
- Try logging in by entering the cellphone number that has been used, then:
- Select the Account Settings > Account menu and do the lever again
- Check the verification link sent to the registered email address
- verify your account on the email
C. If other technical problems happened,
please do 3R:
- Re-Open: close the Moka app allu reopen it and try to login
- Re-login: first log out of the Moka app and log back in
- Re-install: When the Moka app doesn't respond at all, please re-install your Moka App
How do I order a Moka POS compatible printer, and are there any device recommendations?
You can order printers and other devices according to Moka POS's recommendations on the following Tokopedia page:
https://www.tokopedia.com/mokapointofsale/
In addition, you can also order the device from the sales team that helps you subscribe.
How do I renew my Moka Account subscription?
You can check the status of your subscription, renew it, and pay the Moka subscription fee through the billing menu in the Moka Back Office. Learn how here.
What is GoStore?
GoStore is an online selling platform with an exclusive website base that can be integrated with various social media. By using GoStore, you have the opportunity to have an online store with an exclusive domain to sell your products.
Please learn more about it here.
Do I have to subscribe Moka if I want to use GoStore?
That's right, you need to subscribe to Moka if you want to take advantage of GoStore services. If you have subscribed, you only need to create a GoStore domain through the Moka backoffice. Learn how here.
How can customers see my shop on GoStore?
Your customers can view the store and place orders through the website that you have created through GoStore. Make sure you share the store link via social media so that customers can find out.
