Cara Pakai API AI di Indonesia Tanpa Kartu Kredit (Bayar QRIS/Crypto)

Rizky Riyadi dev — Wed, 15 Jul 2026 09:00:00 +0000

Kamu udah nulis kodenya. Model-nya udah jalan. Yang bikin mentok cuma satu: halaman pembayaran minta kartu kredit yang nagih dalam dolar.

Buat banyak developer di Indonesia — anak kampus, indie hacker, tim dua orang di Jakarta atau Bandung — ini blocker yang paling nyebelin. Bukan soal skill, bukan soal ide. Cuma soal kartu. Mau nyoba Claude, GPT, atau DeepSeek buat proyek, eh malah kejegal di kasir.

Nggak perlu kartu kredit

Nexotao itu satu gateway API buat semua model besar (Claude, GPT, DeepSeek, dan lainnya) dengan satu key dan satu saldo Rupiah. Isi saldonya pakai QRIS atau crypto (USDT / USDC) — nggak perlu kartu internasional, nggak perlu PayPal.

Scan QRIS dari e-wallet atau m-banking yang udah kamu punya → saldo langsung masuk.
Atau top up pakai crypto kalau kamu lebih suka jalur itu.

Detail lengkap alurnya ada di sini: API AI bayar QRIS → dan pakai Claude tanpa kartu kredit →.

Bayar sesuai pemakaian, bukan langganan

Nggak ada paket bulanan, nggak ada seat. Kamu isi saldo, dan tiap panggilan API motong saldo persis sebanyak token yang kepakai — input dan output dihitung terpisah sesuai tarif tiap model. Saldo nggak hangus tiap bulan. Model yang cuma kamu coba sekali nggak bakal nagih kamu bulan depan.

Ganti dari OpenAI/Anthropic cukup dua baris

Nexotao kompatibel OpenAI dan ngerti format Anthropic juga. Arahin SDK yang udah kamu pakai ke base URL Nexotao, pasang key Nexotao:

from openai import OpenAI

client = OpenAI(
    base_url="https://api.nexotao.com/v1",
    api_key="KEY_NEXOTAO_KAMU",
)

resp = client.chat.completions.create(
    model="deepseek-v4-pro",   # ganti model cukup ganti string ini
    messages=[{"role": "user", "content": "Halo dari Indonesia"}],
)

Ganti dua baris, semua SDK, framework, dan tool tetap kepakai.

Berapa biayanya?

Harga per-token bisa berubah, jadi aku nggak mau ngunci angka di postingan ini. Katalog lengkapnya — semua model, dalam Rupiah dan USD — selalu update di nexotao.com/harga. Kamu bisa mulai dari top-up Rupiah kecil buat ngetes dulu.

Cobain

Bikin key dan isi saldo sekitar satu menit di dashboard.nexotao.com. Nggak perlu kartu kredit — cukup QRIS.

I built a pay-per-token gateway for Claude & DeepSeek — here's why

Rizky Riyadi dev — Tue, 14 Jul 2026 10:03:23 +0000

I got tired of paying a "you live in the wrong country" tax to use models that were supposedly available to everyone.

I build from Indonesia. Every time I wanted to try a new model, the code was the easy part. The hard part was the wrapper around it: a credit card that charges in dollars, a monthly plan sized for someone else's usage, seats I didn't need, and a separate account for every provider. To answer one question — is this model good for my app? — I had to sign up in three places and hope my spend didn't quietly balloon.

So I built the thing I wanted: Nexotao.

The idea is boring on purpose

One OpenAI-compatible API. One key. One balance in Rupiah. Behind it, every model I actually reach for — Claude, GPT, DeepSeek, Grok — switchable by changing a single string. Top up with QRIS or crypto, no international card. Pay per token, no subscription.

That's it. No plan to right-size, nothing that expires at the end of the month, no per-provider migration. I point one base URL at it and I'm done.

Why pay-per-token, not plans

Plans optimize for the vendor's predictability, not yours. If you're a solo dev or a small team, your usage is spiky — a burst while you build a feature, near-zero while you ship it. A monthly minimum punishes exactly that shape. Pay-per-token matches spend to reality: a model you tried once and dropped costs you nothing next month.

It also makes experimentation cheap, which is the whole point. I can run the same prompt against an ultra-cheap workhorse and a frontier flagship, on the same balance, and compare for cents instead of standing up two paid accounts.

Why QRIS and crypto first

Because "just use a credit card" is a privilege, not a default. A huge number of capable developers in Indonesia and across Southeast Asia don't have a card that works on US billing pages. QRIS is already in everyone's pocket. Meeting people where they already pay was non-negotiable.

On pricing (and why I won't put a number here)

Model prices move. Baking one into a post just means the post lies a month later. The live catalog — every model, Rupiah and USD, cheapest workhorse to frontier flagship — stays current here: harga API AI termurah → (full view: nexotao.com/harga).

If you want to try it

Create a key and top up in about a minute: dashboard.nexotao.com. If you've ever been blocked at the checkout page for living in the wrong place, this was built for you.

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