PAYMENT
The Payment system at Enigma Business School (EBS) is designed to provide secure, transparent, and flexible financial transactions for students from around the world. All tuition-related payments are processed in United States Dollars (USD) / Indonesian Rupiah (IDR) and conducted through internationally recognized digital payment platforms to ensure safety, efficiency, and accessibility. EBS maintains a straightforward payment process that supports multiple methods, accommodates international banking needs, and provides official transaction documentation for student records.
Accepted Payment Methods
EBS accepts the following payment channels for tuition fees, administrative charges, and document processing services:
Bank Transfer
This method is the main payment alternative. Bank transfer details will be provided upon request.
PayPal
Recommended for international students seeking fast, secure, and traceable transactions.
Wise
Suitable for students making low-fee international transfers, especially from non-USD currency accounts.
Stripe
Supports credit and debit card payments globally through a secure gateway.
Credit Card
Major international credit cards accepted, including Visa, MasterCard, and American Express.
Students must ensure that any transfer fees charged by their bank or payment provider are covered to avoid delays in payment confirmation.
Payment Confirmation
Once payment is submitted, students will receive:
Digital payment receipt
Confirmation email
Transaction record in the Student Portal
Payment confirmation typically occurs within 24–72 hours depending on the selected payment method.
Students are responsible for keeping copies of payment records for their own documentation.
Invoice and Billing
EBS issues digital invoices for:
Tuition fees
RPEL and credit transfer evaluation fees
Executive program fees
Certification or document processing fees
Graduation and diploma shipping fees
Invoices are available for download in the Student Portal and can be printed or used for corporate reimbursement requests if needed.
Installment Options
Students may request installment payment plans based on program level and financial circumstances. Installment approvals depend on:
Student request
Program duration
Tuition amount
Internal approval from Financial Administration
An installment schedule will be documented and acknowledged by both parties.
Currency and Exchange Rates
All official tuition fees are charged in USD/IDR. Currency conversion rates are determined by:
Payment provider
Credit card issuer
International bank policies
EBS is not responsible for exchange rate fluctuations or international service fees.
Payment Policy
To ensure smooth and timely enrollment:
Tuition must be paid before academic activation
Payment plans must be agreed upon in writing
Administrative fees must be settled prior to document issuance
All payments must follow institutional financial regulations
Enrollment cannot be confirmed until the payment process is complete.
Payment Security
EBS prioritizes secure financial transactions by using:
Encrypted payment gateways
Verified PCI-DSS compliant systems
Anti-fraud monitoring protocols
Digital transaction tracking
No credit card information is stored by EBS; all processing is conducted directly through certified third-party platforms.
Refunds and Cancellations
Refund requests must comply with the EBS Refund Policy, located in the website footer. Refunds may depend on:
Time of withdrawal
Course access status
Processing period
Students must submit a formal request through the Student Portal.
Corporate and Sponsored Payments
EBS supports third-party tuition payments including:
Corporate sponsorship
Educational reimbursement
Government training subsidies
Professional development support
Official invoices, payment confirmations, and documented receipts can be provided upon request.
Official Bank Account Details
Bank Name: Bank Negara Indonesia (BNI)
Account Name: PT Enigma Group Indonesia
Account Number: 2083973412
SWIFT / BIC Code: BNINIDJAYGY
Bank Address: BNI Yogyakarta Branch, KCP KHA. Dahlan
Currency Accepted: USD (United States Dollars)
Please ensure all payments are made in USD to avoid delays or additional conversion charges.
Contact and Assistance
For payment questions or assistance, students may contact:
Financial Administration Office
Student Services (Payment Support)
Email and online support channels
EBS provides guidance for international payment procedures to help students avoid unnecessary transaction delays.
Institutional Commitment
The Payment system at EBS prioritizes clarity, accountability, and student convenience. EBS ensures:
No hidden fees
Transparent billing
Secure payment infrastructure
Documented transaction procedures
Payment remains an essential administrative element supporting educational services, digital infrastructure, faculty development, and quality assurance initiatives.