Don't just read about an open network. Experience it.
Publish once. Discover across apps. Transact between different participants. Follow the same journey from seller to buyer and back again.
Kopi Nusantara
Buyer experience
Buyer experience
Fulfilment
Follow one transaction through the whole network.
Start with commerce and order flow, then use the same #ION-1042 to see how a grievance is resolved and how the final commercial outcome is reconciled and settled.
See how ION works when commerce actually happens.
Use the same sample transaction — #ION-1042 — to understand three different network flows. Start with the commerce journey, then see how the same order is handled when there is a grievance and how its final commercial outcome is reconciled and settled.
Commerce & Order Flow
Catalogue management, commercial terms, publishing, visibility across Buyer Apps, discovery, ordering and fulfilment.
Grievance Flow
See how the same order carries its context when the buyer reports a problem and participants resolve it.
Money Flow
See payment, reconciliation of the actual outcome, settlement authorization and the final settlement status.
Want to see a different implementation?
The three ION reference flows explain the network using one transaction. Technology Service Providers can then showcase their own applications, integrations and sector experiences on the same open-network foundation.
Technology Partner A
See a TSP-built Buyer App and embedded-commerce implementation.
Browse Technology Partners
Find providers by sector, solution and the experiences they have published.
Start from a possibility
Choose what you want to enable, then see which TSP experiences demonstrate it.
What can an open network make possible?
The opportunity is much larger than one retail transaction. Explore possibilities across ION sectors. Where a click-through experience is not yet published, Technology Service Providers can bring it to life.
Sell across buyer apps
Publish through a Seller App and reach participating customer experiences.
Embedded commerce
Bring products and services into a bank, telco, super app or loyalty experience.
B2B procurement
Discover suppliers, order goods and connect fulfilment across participating businesses.
Marketplace interoperability
Let marketplace sellers participate in demand beyond a single marketplace.
Open delivery discovery
Connect an order to participating delivery providers based on serviceability and terms.
Multi-provider fulfilment
Give commerce participants choice across pickup, last mile, freight and fulfilment services.
B2B freight
Connect business shipments with logistics capacity across participating providers.
Commerce inside financial apps
Extend customer relationships into relevant commerce and service journeys.
Transaction-linked finance
Explore financial services connected to eligible commerce events and participants.
Embedded protection
Connect relevant insurance or protection services to eligible network transactions.
Mobility across apps
Discover participating transport services from different customer-facing experiences.
Multimodal journeys
Combine relevant mobility options into a connected customer journey.
Corporate mobility
Connect enterprise demand to participating mobility providers and services.
Stay discovery & booking
Make participating accommodation discoverable across multiple buyer experiences.
Dine + deliver
Connect restaurants, customer apps, payment and fulfilment into one journey.
Connected travel
Bring accommodation, mobility, attractions and local services into a travel experience.
Book local services
Discover and book participating home, automotive or professional service providers.
Service discovery
Connect eligible service providers to relevant customer-facing applications.
Business services
Discover participating technology, professional and operational services for businesses.
The ecosystem brings ION possibilities to life.
Each Technology Service Provider can have a shareable profile on ION Experience Demos — showing what they build, sectors they support, integrations they offer and live experiences visitors can try.
Technology Partner A × ION
Buyer applications and embedded commerce experiences.
Technology Partner B × ION
Seller applications, POS connectivity and SME enablement.
Technology Partner C × ION
Cross-sector integrations and service experiences.
Build an experience. Create your showcase. Help businesses see what is possible.
ION provides the stage and common network. Technology partners create differentiated applications, integrations and experiences — and can use their profile as a live showroom.
From Bu Sari's catalogue to a fulfilled order.
This is the core ION journey: the seller manages what she sells and the terms she offers, publishes through her Seller App, Buyer Apps discover eligible offers, a customer orders, and the same order appears back on the seller side for fulfilment.
Bu Sari manages her catalogue and how she wants to trade.
Through her Seller App, Bu Sari manages product information, price, availability and relevant commercial terms. The network does not replace her commercial choice.
Publish once through the Seller App.
The catalogue becomes available to participating Buyer Apps through the common network model. Bu Sari does not need a separate catalogue integration with each Buyer App.
Bu Sari
Seller App
Buyer Apps can discover eligible offers.
Interoperability creates choice — not compulsory distribution.
The Buyer App can decide which eligible offers fit its commercial requirements and customer proposition. The same open network can therefore support different Buyer App experiences.
The customer discovers Bu Sari inside their Buyer App.
The Buyer App owns discovery, curation and presentation. Here the customer finds Kopi Nusantara in a Bank App, adds two Kopi Susu and checks out.
Kopi Susu × 2
Rp 100.000
#ION-1042 crosses from the Buyer App to the Seller App.
The customer stays in the Bank App. Bu Sari stays in her Seller App. ION enables the transaction between those independent experiences.
Buyer App
#ION-1042
Seller App
Bu Sari
The same order is now visible for fulfilment.
Bu Sari receives #ION-1042 in her Seller App, accepts it, prepares it and completes fulfilment. The Buyer App can reflect those status changes back to the customer.
Kopi Susu × 2 · Rp 100.000
Seller App → ION → Buyer App
Customer sees updated status.
What happens when the buyer has a problem?
The grievance is not a separate transaction. It stays connected to the same order, the same participants and the same fulfilment history.
Fulfilled
The buyer starts from the order they already know.
Inside the Buyer App, the customer opens #ION-1042 and reports a problem. They do not need to understand which participant or system sits behind the issue.
Kopi Susu × 2
The grievance carries the transaction context.
ION can connect the issue to #ION-1042 and the relevant participants, allowing it to reach the party responsible for the next action.
Buyer App
#ION-1042
Seller App
Bu Sari
Bu Sari sees the issue against the same order.
She has the order and fulfilment context needed to respond. In this illustrative scenario, she agrees to a Rp 20.000 partial refund.
The parties resolve — or use the applicable escalation path.
Where the participants agree, the grievance closes with a recorded remedy. Where they do not, the issue can move through the relevant escalation/dispute path while retaining the same transaction context.
Partial refund: Rp 20.000
The grievance outcome becomes part of #ION-1042.
The order record now carries the agreed adjustment. That matters when Buyer App and Seller App later reconcile the final commercial outcome.
How does the transaction reach settlement?
The money view starts with the same order and the same commercial terms. After fulfilment, Buyer App and Seller App agree what actually happened before the agreed outcome proceeds to settlement.
The buyer pays for #ION-1042.
In this sample prepaid flow, the payment provider handles the funds. ION does not receive or hold customer money.
Settlement waits for the actual transaction outcome.
The order is fulfilled through the commerce flow. If a grievance or agreed adjustment changes the commercial outcome, that becomes relevant to reconciliation.
#ION-1042 delivered.
Sample agreed adjustment: − Rp 20.000.
Both sides reconcile the final commercial position.
They reconcile what was agreed at the beginning with what actually happened — including applicable commission, logistics, tax treatment, refunds, penalties or other agreed adjustments.
The Buyer App authorizes settlement.
After successful reconciliation, the Buyer App authorizes settlement based on the commercial position already agreed with the Seller App. ION verifies and translates the agreed instruction without changing its commercial substance.
authorizes
agreed
verify & translate
validates
ready
The agreed amounts are settled and the status comes back.
The payment provider performs the movement of money. The outcome is linked back to #ION-1042 so Buyer App and Seller App can see a consistent settlement status.
Agreed amounts settled to the relevant parties.
Shared transaction context from commerce through settlement.
Technology Partner A × ION
We build customer-facing commerce experiences that connect existing high-reach apps to sellers and services across ION.
Embedded Commerce Demo
Experience product discovery, checkout and an order crossing from a Buyer App to Bu Sari's Seller App.
Capabilities demonstrated through working experiences.
Buyer Applications
Customer-facing discovery, curation, cart, checkout and order journeys.
Embedded Commerce
Commerce inside banking, telco, loyalty and consumer applications.
Integrations
Connect existing systems and services into ION participation journeys.
Try what we have built.
Commerce inside a customer app
Buyer discovery → order → Seller fulfilment.
Conversational commerce
Discover participating offers through an AI-led experience.
One order. Every participant. The trust layer becomes visible.
Follow #ION-1042 from commercial choice to customer order, fulfilment, grievance, reconciliation and settlement.
#ION-1042 · Kopi Nusantara
One illustrative transaction · multiple perspectivesBu Sari decides how she wants to participate.
Her catalogue is not just product information. Her Seller App can publish the relevant commercial terms that describe how the offer can participate in the network.
The Buyer App decides what fits its proposition.
Eligible offers can differ in commercial terms and experience. The Buyer App can choose what works for its customer proposition and commercial requirements.
The customer discovers and orders inside the Buyer App.
Kopi Nusantara appears in the Bank App's curated experience. The customer buys two items and the transaction becomes #ION-1042.
Bank App
#ION-1042
Seller App
Bu Sari
Funds remain outside ION; the transaction proceeds to fulfilment.
Bu Sari receives and fulfils the same order.
She accepts #ION-1042 in her Seller App, prepares it and completes fulfilment. The network now has the transaction events needed to determine the final commercial outcome.
#ION-1042 · Kopi Nusantara
Delivered
Proceed directly to reconciliation.
See how the network carries the issue without losing the transaction context.
The problem remains attached to #ION-1042.
The customer raises an issue from the Buyer App. It is routed with the order context to the responsible participant. For this sample, Bu Sari agrees a Rp 20.000 partial refund.
raises issue
transaction context
receives
agrees remedy
sees resolution
This commercial adjustment now follows the transaction into reconciliation.
Buyer App and Seller App agree what the transaction finally means.
Reconciliation connects the terms agreed earlier with what actually happened. The parties agree the final commercial position; ION does not invent the commercial result.
The agreed position moves into settlement.
Once reconciliation succeeds, the Buyer App authorizes settlement. ION verifies and carries the agreed instruction into the settlement process; the actual movement of money remains with the payment provider.
authorizes
agreed
verify & translate
settles
see outcome
Order, grievance, reconciliation and settlement remain connected to the same transaction.