Dibanding laporan 16 Agu 2026. Klik tab di atas untuk lompat ke tabel detail.
Tidak ada pergerakan ≥3 poin hari ini — hari paling tenang sejak monitoring berjalan, kontras dengan anomali Tukarpulsa Smartfren -5 poin kemarin. Pergerakan terbesar hanya Viapulsa XL/Axis +2.
Tukarpulsa naik 2 hari berturut-turut di Telkomsel & XL/Axis (kini 85% dan 90%) — memperkuat status pemenang tunggal dan memperlebar gap Pulsafa di kedua provider ini.
Ragil Convert naik +1 di Telkomsel & Smartfren (kedua tier) — margin Pulsafa membaik otomatis di dua provider tanpa perlu ubah rate customer.
% dari nilai pulsa. Hijau = rate tertinggi per baris (antar kompetitor), merah = terendah. Pulsafa ditampilkan sebagai pembanding, bukan bagian dari perhitungan tertinggi/terendah.
| Provider | Tetrapulsa | byPulsa | Viapulsa | Tukarpulsa | Sukma Convert | Novapulsa | Pulsafa | Rate Tertinggi | Pemenang |
|---|---|---|---|---|---|---|---|---|---|
| Telkomsel | 79% | 79% | 81% | 85% | 82% | 78% | 83% | 85% | Tukarpulsa |
| XL / Axis | 84% | 85% | 89% | 90% | 87% | 82% | 87% | 90% | Tukarpulsa |
| Indosat | 84% | 84% | 84% | 84% | 83% | 80% | 85% | 84% | 4-way tie ¹ |
| Tri / Three | 80% | 79% | 80% | 82% | 80% | 78% | 82% | 82% | Tukarpulsa |
| Smartfren | 78% | 76% | 75% | 76% | 78% | — | 81% | 78% | Tetrapulsa, Sukma ² |
Rate yang diterima Pulsafa saat menjual balik pulsa yang terkumpul dari customer. Basis cost-of-fund untuk simulasi margin.
| Provider | Tier Rp25rb–499rb | Tier Rp500rb–1jt | vs kemarin |
|---|---|---|---|
| Telkomsel | 88% | 89% | ▲ +1 |
| Indosat | 88% | 89% | = tetap |
| Axis | 93% | 94% | = tetap |
| XL | 93% | 94% | = tetap |
| Three | 86% | 87% | = tetap |
| Smartfren | 84% | 85% | ▲ +1 |
Gap = Rate Upstream (tier Rp500rb–1jt) − Rate Tertinggi Kompetitor. Aturan saran: gap ≥ 2 poin → rate tertinggi kompetitor +1; gap < 2 → samakan; guard: saran tidak boleh ≥ rate upstream. Gap Axis/XL menyempit karena kompetitor naik lebih cepat dari upstream.
| Provider | Tertinggi Kompetitor | Upstream | Gap | Gap Kemarin |
|---|---|---|---|---|
| Telkomsel | 85% | 89% | 4 | 4 |
| Indosat | 84% | 89% | 5 | 5 |
| Axis | 90% | 94% | 4 | 5 |
| XL | 90% | 94% | 4 | 5 |
| Tri / Three | 82% | 87% | 5 | 5 |
| Smartfren | 78% | 85% | 7 | 6 |
| Provider | Rate Pulsafa | Tertinggi Kompetitor | Saran Rate | Aturan | Delta | Status |
|---|---|---|---|---|---|---|
| Telkomsel | 83% | 85% | 86% | +1 | +3 | perlu naik |
| Indosat | 85% | 84% | 85% | +1 | 0 | sudah unggul |
| Axis | 87% | 90% | 91% | +1 | +4 | perlu naik |
| XL | 87% | 90% | 91% | +1 | +4 | perlu naik |
| Tri / Three | 82% | 82% | 83% | +1 | +1 | perlu naik |
| Smartfren | 81% | 78% | 81% ³ | override | 0 | pertahankan |
Tabel 4: gap = rate upstream (tier2) − saran rate (= margin kotor kalau saran diterapkan). Smartfren pakai rate override 81%, bukan formula mentah. Simulasi: tier Rp25rb–499rb, overhead operasional asumsi 2% — belum ada angka riil, ditandai eksplisit.
| Provider | Saran Rate | Upstream | Gap (margin) | Gap Kemarin |
|---|---|---|---|---|
| Telkomsel | 86% | 89% | 3 | 3 |
| Indosat | 85% | 89% | 4 | 4 |
| Axis | 91% | 94% | 3 ⚠️ | 4 |
| XL | 91% | 94% | 3 ⚠️ | 4 |
| Tri / Three | 83% | 87% | 4 | 4 |
| Smartfren | 81% ³ | 85% | 4 | 3 |
| Provider | Jual Upstream (t1) | Beli Pulsafa | Margin Sekarang | Kemarin | Δ | Avg Kompetitor | Margin jika match avg |
|---|---|---|---|---|---|---|---|
| Telkomsel | 88% | 83% | +3% | +2% | +1 | 80.7% | +5.3% |
| Indosat | 88% | 85% | +1% | +1% | 0 | 83.2% | +2.8% |
| Axis | 93% | 87% | +4% | +4% | 0 | 86.2% | +4.8% |
| XL | 93% | 87% | +4% | +4% | 0 | 86.2% | +4.8% |
| Tri / Three | 86% | 82% | +2% | +2% | 0 | 79.8% | +4.2% |
| Smartfren | 84% | 81% | +1% | 0% | +1 | 76.6%* | +5.4% |
17 Agu 2026 vs 16 Agu 2026. Tidak ada pergerakan ≥3 poin — hari paling stabil sejak monitoring. Pergerakan upstream Ragil Convert dicatat terpisah di §03.
| Provider | Tetrapulsa | byPulsa | Viapulsa | Tukarpulsa | Sukma Convert | Novapulsa |
|---|---|---|---|---|---|---|
| Telkomsel | 79% = | 79% = | 81% ▲ +1 | 85% ▲ +1 | 82% ▲ +1 | 78% = |
| XL / Axis | 84% = | 85% = | 89% ▲ +2 | 90% ▲ +1 | 87% = | 82% = |
| Indosat | 84% = | 84% = | 84% = | 84% = | 83% = | 80% = |
| Tri / Three | 80% = | 79% = | 80% = | 82% = | 80% = | 78% = |
| Smartfren | 78% = | 76% = | 75% = | 76% = | 78% = | — |
Hari paling stabil sejak monitoring berjalan — tidak ada anomali >3 poin, kontras dengan anomali Tukarpulsa kemarin. Kondisi baik untuk mengevaluasi tren jangka menengah tanpa noise.
Tukarpulsa terus memperkuat posisi di Telkomsel & XL/Axis — dua hari berturut-turut naik di kedua provider ini. Kalau tren berlanjut, gap Pulsafa akan terus melebar kecuali rate customer disesuaikan.
Kenaikan upstream Telkomsel & Smartfren memberi ruang margin ekstra tanpa risiko — rate customer bisa dinaikkan sesuai Tabel 3 sambil tetap memperbaiki margin.
Jangan ikuti saran formula mentah untuk Smartfren (79%, turun dari 81%) — override ke pertahankan 81%, situasi ini berulang dari kemarin, lihat catatan ³ di §04.
Indosat & Smartfren tetap prioritas review margin tipis (1% dan 1%) — dua hari berturut-turut di kategori ini meski provider lain membaik.
Gap margin proyeksi Axis/XL menyempit ke 3 poin (dari 4) — belum kritis, tapi perlu dipantau kalau Tukarpulsa terus naik tanpa diimbangi kenaikan upstream.
Terapkan saran rate Tabel 3Telkomsel 86%, Axis/XL 91%, Tri/Three 83% — mengejar kenaikan Tukarpulsa sambil margin proyeksi tetap sehat (3-4 poin).
Jangan turunkan rate SmartfrenFormula mentah menyarankan 79%, tapi Pulsafa sudah unggul 3 poin dari kompetitor tertinggi (78%). Pertahankan 81%, situasi override berulang dari kemarin.
Pantau TukarpulsaDua hari berturut-turut naik di Telkomsel & XL/Axis, berpotensi terus memperlebar gap kalau Pulsafa tidak menyesuaikan rate.
Indosat & Smartfren tetap margin ≤1% — review menyeluruh, dua hari berturut-turut di kategori tipis meski Smartfren sudah membaik dari 0%.
Gap margin proyeksi Axis/XL menyempit ke 3 poin (dari 4) — belum mendesak, masukkan ke watchlist kalau tren kompetitor naik terus berlanjut.