Indonesia
Best Payment Gateway in Indonesia for Secure Digital Transactions
Internet users in Indonesia
E-wallet penetration
Projected e-commerce revenue
Payment Gateways in Indonesia
The top payment gateway you should choose in Indonesia
We've analyzed the most trusted and widely used payment gateway Indonesia solutions — from local champions to international providers. But since no one has time to study each in detail, we've compiled a comparison table showing the essential metrics.
What is a Payment Gateway and How to Choose the Right One in Indonesia?
A payment gateway is the tech layer that connects a customer's preferred payment method (card, bank, e-wallet) to a merchant’s account. It encrypts data, verifies transactions, and enables seamless fund movement. But not all providers are created equal especially in a fast-changing market like Indonesia.
Indonesia’s online economy is booming: with 184 million internet users and 78% of them actively using e-wallets like OVO, Dana, and ShopeePay, the demand for reliable and localized digital payments has skyrocketed.
E-commerce sales could total $160 billion by 2030, making the country one of the most promising markets in Southeast Asia. For businesses venturing into this realm, selecting a reliable payment gateway di Indonesia is of utmost importance.
Here are some of the most crucial things to look out for as you choose a payment aggregator Indonesia provider:
Security and Fraud Prevention
Digital transactions are on the rise in Indonesia, but so is the risk of fraud. Thus, your gateway must offer:
- PCI-DSS compliance and 3D Secure protocols
- Real-time fraud detection with machine learning
- Risk scoring and velocity checks
The leading digital payment Indonesia platforms like Midtrans and Doku have a powerful fraud prevention system to safeguard both buyers and sellers.
Supported Payment Methods
A good online payment Indonesia service supports the following features:
- Credit/debit cards (Visa, MasterCard, AMEX, JCB)
- Internet banking (Mandiri, BRI, BCA, BNI, CIMB)
- E-wallets (OVO, Dana, GoPay, ShopeePay)
- Pay-later and installment options
To connect with both banked and unbanked users, modern API payment gateway Indonesia must offer a variety of payment channels right from the beginning.
Integration & Developer Support
Ease of integration should save you weeks of dev time. Top Indonesia payment gateway services provide:
- RESTful APIs and SDKs for Android, iOS, and web
- Sandbox environments and staging
- Full documentation with example scripts
Platforms like Xendit and iPay88 are known for plug-and-play options, making them ideal for agile development.
Multi-Currency Support
If your business focuses on overseas customers, your gateway should be ready for multi-currency processing. Local gateways typically offer transfers in IDR, but solutions like PayPal, Rapyd, or 2Checkout provide settlement in USD, SGD, and EUR — all these modes are necessary for cross-border commerce.
Finding the best payment gateway Indonesia comes down to balancing domestic compatibility with global reach.
Customer Support & Onboarding Time
Time is money. Look for:
- 24/7 chat or email support
- Onboarding within 1–7 days
- Easy-to-navigate merchant dashboards
The best payment Indonesia solutions also offer local language support, which can make a big difference for SME onboarding.
Pricing & Hidden Fees
Always check:
- Setup fees (some charge none, others up to IDR 8 million)
- Transaction rates (e.g., 2.9% + fixed fee)
- Extra fees for cross-border transactions
A cheaper gateway isn’t always better — transparency and uptime often matter more.
Best Payment Gateway Solutions in Indonesia
PayPal
PayPal
2Checkout
2Checkout
iPay
iPay
Xendit
Xendit is the most reliable payment gateway in the Southeast Asian market. It offers quick onboarding, developer-friendly APIs, and several local payment methods.
| Feature | Description |
|---|---|
| Setup fee | Free |
| Requirements | Local business license (Indonesia or Philippines), active bank account |
| Accepted payment methods | Visa, MasterCard, AMEX, JCB; Bank Transfer (BCA, Mandiri, BRI, BNI, Permata); OVO, Dana, LinkAja |
| Available in | Indonesia, Philippines, Malaysia |
| Supported currencies | IDR, PHP, USD, SGD, MYR |
| Setup feeFree | |
| RequirementsLocal business license (Indonesia or Philippines), active bank account | |
| Accepted payment methodsVisa, MasterCard, AMEX, JCB; Bank Transfer (BCA, Mandiri, BRI, BNI, Permata); OVO, Dana, LinkAja | |
| Available inIndonesia, Philippines, Malaysia | |
| Supported currenciesIDR, PHP, USD, SGD, MYR |
Pros
- Quick onboarding for small and middle-sized businesses
- Enchanced support for local banks and e-wallets
- Transparent pricing model
Cons
- Limited analytics for large enterprises
- Some features have to be activated manually
Doku
Doku is a pioneer in the Indonesian digital payments environment. Famous for its fraud prevention system and local payment methods available, it supports thousands of merchants across the country.
| Feature | Description |
|---|---|
| Setup fee | Free |
| Requirements | Indonesian business registration and active local bank account |
| Accepted payment methods | Visa, MasterCard, ATM Bersama, Prima, Mandiri ClickPay, BCA KlikPay, BRI e-Pay, Doku Wallet, Kredivo, Danamon, Permata, CIMBClicks |
| Available in | Indonesia |
| Supported currencies | IDR |
| Setup fee Free | |
| RequirementsIndonesian business registration and active local bank account | |
| Accepted payment methodsVisa, MasterCard, ATM Bersama, Prima, Mandiri ClickPay, BCA KlikPay, BRI e-Pay, Doku Wallet, Kredivo, Danamon, Permata, CIMBClicks | |
| Available inIndonesia | |
| Supported currenciesIDR |
Pros
- Strong anti-fraud system
- Highly compatible with local banks and e-wallets
- Suitable for both SMEs and enterprises
Cons
- Onboarding may take up to one week
- Limited documentation in English for developers
iPay
iPay88 is a popular payment gateway in Southeast Asia, especially in Indonesia and Malaysia. It provides mobile-friendly tools, competitive charges, and excellent credit card payment support.
| Feature | Description |
|---|---|
| Setup fee | RP 8,000,000 |
| Requirements | Registered business and merchant agreement |
| Accepted payment methods | Visa, MasterCard, Amex, JCB, UnionPay; BCA KlikPay, CIMBClicks, E-Pay BRI, Danamon, OVO, LinkAja |
| Available in | Indonesia, Malaysia, other Southeast Asian countries |
| Supported currencies | IDR |
| Setup feeRP 8,000,000 | |
| RequirementsRegistered business and merchant agreement | |
| Accepted payment methodsVisa, MasterCard, Amex, JCB, UnionPay; BCA KlikPay, CIMBClicks, E-Pay BRI, Danamon, OVO, LinkAja | |
| Available inIndonesia, Malaysia, other Southeast Asian countries | |
| Supported currenciesIDR |
Pros
- Works with a wide range of of banks and e-wallets
- Quick onboarding in 2-3 days
- Well established credibility among SMEs and local traders
Cons
- High setup charges for small businesses
- Limited international currency support
2Checkout
2Checkout (now Verifone) is a global payment platform used by thousands of businesses worldwide. It supports multiple currencies and is ideal for companies targeting international buyers.
| Feature | Description |
|---|---|
| Setup fee | Free |
| Requirements | Valid business entity (no local registration required) |
| Accepted payment methods | Visa, MasterCard, PayPal, Apple Pay, Google Pay, Indonesia Bank Transfer |
| Available in | 200+ countries, including Indonesia |
| Supported currencies | USD, EUR, IDR, and other major global currencies |
| Setup feeFree | |
| RequirementsValid business entity (no local registration required) | |
| Accepted payment methodsVisa, MasterCard, PayPal, Apple Pay, Google Pay, Indonesia Bank Transfer | |
| Available in200+ countries, including Indonesia | |
| Supported currenciesUSD, EUR, IDR, and other major global currencies |
Pros
- Excellent global reach and multi-currency support
- No setup fee
- Full-featured API and ready-to-use plugins
Cons
- Higher transaction fees than local providers
- Limited local payment options in Indonesia
PayPal
PayPal is a globally recognized payment solution trusted by over 400 million users. In Indonesia, it remains a popular choice for international transactions and e-commerce.
| Feature | Description |
|---|---|
| Setup fee | Free |
| Requirements | Verified email, business account, linked bank account |
| Accepted payment methods | Visa, MasterCard, Discover, American Express, PayPal balance, Indonesian bank transfers |
| Available in | 200+ countries, including Indonesia |
| Supported currencies | USD, IDR, EUR, GBP, JPY, SGD, and more (24+ currencies) |
| Setup feeFree | |
| RequirementsVerified email, business account, linked bank account | |
| Accepted payment methodsVisa, MasterCard, Discover, American Express, PayPal balance, Indonesian bank transfers | |
| Available in200+ countries, including Indonesia | |
| Supported currenciesUSD, IDR, EUR, GBP, JPY, SGD, and more (24+ currencies) |
Pros
- Trustworthy international brand with high consumer adoption
- Minimal technical barriers and quick onboarding
- Useful tools for freelancers and cross-border merchants
Cons
- Limited support for local Indonesian payment methods
- High cross-border transaction fees
Midtrans
Midtrans (formerly Veritrans) is one of Indonesia's largest and most popular payment gateways. It emphasizes safety, convenience, and a high level of integration with local banks and e-wallets.
| Feature | Description |
|---|---|
| Setup fee | Free |
| Requirements | Indonesian business license and local bank account |
| Accepted payment methods | Visa, MasterCard, JCB, AMEX; BCA KlikPay, Mandiri ClickPay, CIMB Clicks, BRI, Danamon; GoPay, LinkAja, XL Tunai, tCash |
| Available in | Indonesia |
| Supported currencies | IDR |
| Setup feeFree | |
| RequirementsIndonesian business license and local bank account | |
| Accepted payment methodsVisa, MasterCard, JCB, AMEX; BCA KlikPay, Mandiri ClickPay, CIMB Clicks, BRI, Danamon; GoPay, LinkAja, XL Tunai, tCash | |
| Available inIndonesia | |
| Supported currenciesIDR |
Pros
- Strong local bank and e-wallet coverage
- Very secure with advanced fraud controls
- Flexible integration for developers
Cons
- Onboarding may take up to two weeks
- Available within Indonesian market only
FasPay
FasPay is Indonesia's first payment gateway officially registered with the Central Bank. It provides extensive coverage locally and supports startups, SMEs, and large enterprises.
| Feature | Description |
|---|---|
| Setup fee | Free |
| Requirements | Registered Indonesian business, valid NPWP, corporate bank account |
| Accepted payment methods | Visa, MasterCard, JCB, AMEX; CIMB Clicks, BCA KlikPay, Mandiri, Permata; OVO, LinkAja, Rekening Ponsel |
| Available in | Indonesia |
| Supported currencies | IDR, some major global currencies (case-by-case) |
| Setup feeFree | |
| RequirementsRegistered Indonesian business, valid NPWP, corporate bank account | |
| Accepted payment methodsVisa, MasterCard, JCB, AMEX; CIMB Clicks, BCA KlikPay, Mandiri, Permata; OVO, LinkAja, Rekening Ponsel | |
| Available inIndonesia | |
| Supported currenciesIDR, some major global currencies (case-by-case) |
Pros
- Licensed by Bank Indonesia
- Great coverage of Indonesian payment methods
- Flexible for small and large companies
Cons
- Limited global currency support
- Interface is not designed for foreign users
Rapyd
Rapyd is a worldwide fintech platform which enables businesses and consumers to accept and make payments in more than 100 countries. It’s built for mobile-first and API-driven businesses.
| Feature | Description |
|---|---|
| Setup fee | Free |
| Requirements | Business verification and global compliance checks |
| Accepted payment methods | Local cards, e-wallets, bank transfers, cash-based methods |
| Available in | 100+ countries including Indonesia |
| Supported currencies | USD, EUR, IDR, SGD, and more (global support) |
| Setup feeFree | |
| RequirementsBusiness verification and global compliance checks | |
| Accepted payment methodsLocal cards, e-wallets, bank transfers, cash-based methods | |
| Available in100+ countries including Indonesia | |
| Supported currenciesUSD, EUR, IDR, SGD, and more (global support) |
Pros
- Great global coverage
- Tailored for mobile and international trade
- Supports local bank transfers, cards, e-wallets, and cash
Cons
- Limited presence in Indonesia-specific platforms
- Pricing is not transparent and depends on custom quote, not transparent
FAQ
What is the national payment gateway of Indonesia?
Indonesia doesn’t have a central national payment gateway like some countries. Instead, players such as Midtrans, Xendit and Doku act as intermediaries overseen by Bank Indonesia. These are popular with retailers, fintech providers, and travel firms.
Which payment app is used in Indonesia?
The three most used apps are OVO, Dana, and GoPay, with OVO dominating the market. These apps are widely used in everyday transactions: food delivery, e-commerce and more. They’ve gained their popularity with cashback offerings, mobile-first design, and multiple collaborations with top retailers.
What payment method is used in Indonesia?
The most popular payment system is still bank transfers through BCA, Mandiri, BNI and BRI. Yet e-wallets are rapidly gaining share, especially among mobile users age 40 and under. Credit card penetration is lower than in the Western countries, but this method is still supported by most gateways.
What is the payment gateway in Bali?
Bali has the same payment gateways as any other part of Indonesia. Local businesses such as hotels and tour operators frequently incorporate with Midtrans, Xendit, or international solutions like PayPal. The main thing is to select a gateway which supports Indonesian banks and mobile payments.
