Best Payment Gateways In Indonesia: Top Picks Compared

Indonesia has one of the most dynamic payment markets in Asia, but it does not operate like a card-first economy. In real checkout processes, merchants may lose or gain conversions based on their support for local bank transfers, e-wallets, and QR-based payments. Predictable payment settlement across islands, banks, and consumer apps is also crucial.

This guide is designed for teams making practical decisions about payment gateways in Indonesia. The potential users include:

• Indonesian e-commerce and marketplace sellers looking to improve authorization and settlement outcomes
• SaaS businesses collecting recurring payments from Indonesian customers
• International merchants entering Indonesia who need local payment method coverage
• Product, finance, and operations teams comparing payment providers in Indonesia using clear criteria.

Indonesia At A Glance

Key Statistics

Regulatory Landscape

Bank Indonesia regulates the payment system framework. This includes payment system regulations and the licensing model for payment service providers. It is illegal to operate a payment gateway without a license.

Under the current regulatory framework, payment gateways no longer require a standalone “payment gateway” license. They are classified as Payment System Service Providers (known locally as Penyedia Jasa Pembayaran or PJP).

Payment Market Overview In Indonesia

Digital Commerce Size

Indonesia’s online economy is greatly influenced by mobile-first behavior and platform ecosystems. According to U.S. government trade guidance, internet penetration is expected to reach 79%, accompanied by over 180 million smartphone users. This explains the need for fast and app-native checkout experiences.

Payment Methods Trends

Indonesia’s online commerce is not dominated by cards. Industry data often shows digital wallets and bank transfers leading in e-commerce transactions, while cards play a smaller yet important role, especially for cross-border transactions and subscriptions. According to our PCMI’s E-commerce Data Library, the primary payment methods for e-commerce in Indonesia in 2024, by share of volume, are:

• Digital wallets – 35%
• Bank transfers – 26%
• Credit cards – 13%
• Buy Now Pay Later – 9%
• Debit cards – 6%
• Cash on delivery – 8%.

Related reading: “Popular Payment Methods in Asia: Country-by-Country Guide”.

QR Popularity

QR-based payments are a crucial checkout option for merchants. Bank Indonesia reported QRIS transaction volume of 689.07 million, showing a 186% year-on-year growth, along with 55.02 million users and 35.1 million merchants during the reporting period.

Best Indonesian Payment Gateways To Consider

Xendit

Year Established: 2015.

Number Of Employees: 501–1000.

Best For:

• Digital-first SMBs and mid-market brands seeking a single integration for cards, bank transfer flows, e-wallets, and QR payments.
• Marketplaces and platforms needing split payments and controlled settlement logic for multiple sellers.
• SaaS and subscription businesses requiring reliable payment status handling and recurring billing mechanics.
• Regional or cross-border teams wanting multi-currency options and consistent reporting across several Southeast Asian markets.

DOKU

Year Established: 2007.

Number Of Employees: 201–500.

Best For:

• E-commerce brands and omnichannel merchants needing online payments along with assisted in-store or virtual terminal use.
• Agile teams looking to start with hosted checkout, payment links, or plugins, then transition to deeper API integration as their volume grows.
• Businesses targeting Indonesian consumers where local payment options like virtual accounts, QRIS, and main e-wallets matter.
• Platforms and marketplaces needing split payment capabilities along with operational tools for settlement and reconciliation.

Faspay

Year Established: 2003.

Number Of Employees: 51–200.

Best For:

• E-commerce and retail merchants primarily processing in IDR who require reliable bank transfers, e-wallets, and QRIS at checkout.
• Travel and hospitality businesses where fast payment confirmations and refund handling impact customer support workload.
• Platforms and marketplaces needing split payments and tools for multi-party settlement logic.
• Teams managing online and assisted payments using both online checkout and in-store or POS channels.

Espay

Year Established: 2013.

Number Of Employees: 51–200.

Best For:

• E-commerce merchants focusing on IDR collection through virtual accounts, e-wallets, and QRIS.
• Retail and counter-based businesses wanting online checkout with in-store acceptance through one provider.
• Businesses that need partner distribution (B2C2B-style flows), where funds may need to be routed after collection.
• Teams preferring method-priced economics, where costs vary based on the customer’s payment mix, rather than relying on one bundled rate.

Midtrans

Year Established: 2012.

Number Of Employees: 51–200.

Best For:

• Indonesia-first e-commerce operations in IDR, optimizing for bank transfers, wallets, and QR flows.
• Mobile commerce and app-led checkouts needing in-app payments with reliable status updates.
• Merchants with mixed payment behavior requiring a single gateway to support cards, wallets, QRIS, and cash-context options.
• Teams wanting flexibility in integration, starting with hosted checkout and moving to APIs as their needs develop.

Comparison Table Of The Best Payment Providers In Indonesia

	Xendit	DOKU	Faspay	Espay	Midtrans
Payment Methods	Cards, ACH / Bank Transfer (+ eCheck), Real-Time / Open Banking, Digital Wallets, Buy Now, Pay Later, Cash (POS context)	Cards, ACH / Bank Transfer (+ eCheck), Digital Wallets, Buy Now, Pay Later, Cash (POS context)	Cards, ACH / Bank Transfer (+ eCheck), Digital Wallets	Cards, ACH / Bank Transfer (+ eCheck), Digital Wallets, Buy Now, Pay Later, Cash (POS context)	Cards, ACH / Bank Transfer (+ eCheck), Digital Wallets, Buy Now, Pay Later, Cash (POS context)
Pricing Model	Flat Rate	Flat Rate	Flat Rate, Custom Per Merchant	Flat Rate	Flat Rate
Transaction Fees	International cards: 4.0% + $0.80. Domestic cards: 3.0% + $0.80. E‑wallets: 2.70% + $0.40. Bank transfer: 2.13% + $0.60. Retail outlets: 1.73% + $0.30. QR Indonesia: 0.7% + $0.20. QR non‑Indonesia: 1.4% + $0.30. Virtual account: 0.5% + $0.20. PayLater: 6.0% + $0.20. Subscription: $0.30 per active plan/month.	Card: 2.80% + Rp2.000. Bank Transfer (Virtual Account): Rp4.000. QR transactions: 0.7%. Digital Wallet: 1,5% DOKU e-Wallet, Dana; 2% – 3,18% OVO; 2% – 4% ShopeePay; 2% – 3,5% or Rp2.500 LinkAja. Minimarket: Rp5.000 – Alfamart, Alfamidi, DanDan, dan, Lawson; Rp6.500 – Indomaret. PayLater: 1,5% – Akulaku, Ceria; 2.3% – Indodana, Kredivo. Direct Debit: 2% + Rp2.000. Bank Digital – 2% + Rp2.000.	Credit Card Direct: 0.12 USD + bank MDR. Credit Card Aggregator: 0.12 USD + 2.7%. E‑wallets: 1.5–2%. QRIS: 0.7%. Virtual/Internet banking: 0.18 USD – 0.31 per tx.	Virtual Account (Bank Transfer): Rp. 2,000 to Rp. 4,000. Credit card: 2.5% + Rp. 3,000. QRIS: 0.7%. Electronic Money: Gopay – 2%; Funds – 1.5%; Shopeepay – 2%; OVO – 1.5%; LinkAja – 1.49%. Direct Debit: BRI – 1.8% + Rp. 1,000; Independent – Rp. 4,500; OCTOCash – Rp. 3,000. Instant Debit: ClickBCA – Rp. 1,000 + Bank Fee; BluBCA – Rp. 2,500; BRImo – Rp. 3,000. Jenius – 2%. Over the Counter: Rp. 5,000. Paylater: 1.2% – 2.3%.	Bank transfer: IDR 4,000/transaction. Digital wallets: GoPay – 2%/transaction; QRIS – 0.7%/transaction; ShopeePay – 2%/transaction; DANA – 1.5%/transaction. Credit Cards (Visa, Mastercard, JCB, American Express, Google Pay): 2,9% + IDR 2,000/transaction. Over The Counter: Indomaret – Direct to partner + IDR 1,000; Alfamart, Alfamidi, DanDan – IDR 5,000/transaction. Cardless Credit: Akulaku PayLater – 1.7%/transaction; Kredivo – 2%/transaction.
Integration Options	Web Services API, Hosted Payment Page, Plugin Support, Webhook Support	Web Services API, Hosted Payment Page, Plugin Support, Webhook Support	Web Services API, Hosted Payment Page, Plugin Support, Webhook Support	Web Services API, Hosted Payment Page, iFrame, Plugin Support, Webhook Support	Web Services API, iFrame, Plugin Support, Webhook Support
Compliance	PCI DSS, AML/KYC Screening, ISO 27001	PCI DSS, AML/KYC Screening, 3D Secure Support, ISO 27001	PCI DSS, AML/KYC Screening	PCI DSS, ISO 9001, ISO 27001	PCI DSS, 3D Secure Support, ISO 27001
Customer Support	24/7 Support, Email Support, Live Chat	Email Support, Phone Support, Portal (Ticket)	24/7 Support, Email Support, Live Chat, Phone Support	Email Support, Phone Support	Live Chat, Portal (Ticket)

Complete List Of Indonesian Payment Gateways

Most merchants begin by comparing a few well-known providers. That strategy works if your needs are standard: IDR checkout, common e-wallets, QRIS, and bank transfers. However, Indonesia is a market where the “top 5” could be the wrong short list for practical reasons.

You should broaden your evaluation if any of the following apply:

• You have cross-border needs.
• Your business model is not a simple one-time checkout.
• You operate in higher-risk segments.
• You need niche local rails.
• You prioritize operational control.

A wider directory also minimizes selection bias. If you only compare the most visible Indonesian payment gateways, you risk overlooking providers that better suit your specific checkout mix or business model.

Use Bilixe Filters To Narrow Options Faster

Use a simple rule to clarify your choices:

• Start with your top two expected payment methods by volume (for many merchants, this means virtual accounts or bank transfer flows plus one or two major e-wallets and QRIS).
• Choose the gateway that performs best for those methods, then validate cards and pay later as secondary options.
• Eliminate any option that cannot clearly explain settlement behavior and refund timelines in a way operational teams can work with.

If you follow this, you will avoid the common pitfall of choosing a provider that “supports everything,” only to find out the methods your customers prefer are the least reliable in your setup

Bilixe’s filters are designed for that kind of evaluation. Build your short list by filtering for:

• Payment methods: QRIS, e-wallets, virtual accounts, cards, pay later, OTC
• Currencies: IDR-only vs multi-currency, domestic vs cross-border
• Integration options: APIs, hosted checkout, plugins, mobile SDKs, webhooks
• Compliance and risk needs: PCI DSS, ISO certifications, 3D Secure, fraud tools
• Support and operations: settlement expectations, reporting, refunds, dispute workflow.

Conclusion

The quickest way to choose among payment gateways in Indonesia is to stop searching for a universally “best” provider. Instead, select the one that best fits how your customers pay and how your finance team reconciles. Indonesia values practical alignment: method coverage, reliable settlement, and clear operations are more effective than feature-heavy lists that do not match real checkout behavior.

FAQ: Best Payment Gateways In Indonesia