Midtrans

Midtrans Overview For Merchants

Midtrans is a payment service provider focused on payment acceptance in Indonesia. It supports online and in-app payments, and it also enables in-store style scenarios through integrations designed for point-of-sale use cases. Merchants can accept multiple Indonesian payment methods through one platform, integrate via APIs or prebuilt plugins, and manage transactions in a merchant portal. This overview of Midtrans covers its payment acceptance capabilities, supported methods, integration approaches, pricing structure, and operational considerations that matter for businesses selling to customers in Indonesia.

What Midtrans Is

Midtrans provides payment acceptance infrastructure for merchants that need to collect customer payments across common Indonesian rails. The product set includes:

• A hosted checkout experience (Snap) for web and mobile.

• APIs (Core API) for deeper payment flow control and specialized use cases.

• No-code payment links and invoicing for lightweight collection flows.

• Merchant operations tooling through the Midtrans Merchant Administration Portal (MAP).

Midtrans states it powers more than 500,000 businesses, including 8,000 online businesses in Indonesia.

Target Merchant Profiles

Midtrans positions its offering across multiple business stages and operating models:

• Startups and early businesses that need a faster path to go live and want hosted checkout or plugins.

• Growing businesses that benefit from consolidated reporting, reconciliation, and multiple payment options.

• Enterprises that need more configurable integrations and higher scale transaction handling.

In practical terms, Midtrans is most relevant when your customers are in Indonesia and you want to offer local payment methods alongside cards and wallets.

Payment Acceptance Channels

Midtrans supports payment acceptance through:

• Online (Web): Hosted checkout and API-driven flows for ecommerce and digital services.

• In-App (mCommerce): Native SDKs and mobile-ready checkout experiences.

• POS-style scenarios: Integrations described for point-of-sales and device-based payment acceptance use cases.

A dedicated MOTO or virtual terminal model, where a merchant manually keys in card details for phone orders, is not presented as a standard Midtrans feature in its public product documentation.

Payment Methods And Customer Payment Types

Midtrans supports a broad set of Indonesia-relevant payment types. At a category level, this includes:

• Cards

• Bank transfer and virtual accounts

• Digital wallets

• QR code payments

• Over-the-counter cash payments

• Buy Now, Pay Later (cardless credit)

Card Payments

Midtrans supports major card schemes including Visa, Mastercard, JCB, and American Express. It also supports 3D Secure for card authentication flows.

Bank Transfer And Virtual Accounts

Midtrans supports bank transfer rails and virtual accounts across major Indonesian banks and networks, including options such as BCA Virtual Account, BNI, BRIVA (BRI Virtual Account), Mandiri, Permata Bank, as well as network coverage references like ATM Bersama, Alto, and Prima. Additional virtual account options include CIMB, Danamon, BSI, and others that appear within Midtrans’ bank transfer catalog.

Digital Wallets And QRIS

Midtrans supports wallet-driven payments including GoPay and also supports QRIS. QRIS is positioned as a route to accept many wallet-based payments through a unified QR code. Midtrans also lists methods such as ShopeePay and DANA among its supported wallet methods, and it includes QR code-based payment flows.

Over-The-Counter Payments

Midtrans includes over-the-counter payments where customers pay at participating retail outlets, with examples including Indomaret and Alfamart group brands (including Alfamidi and Dan+Dan). This enables cash payment collection through retail payment points.

Buy Now, Pay Later

Midtrans supports cardless credit and BNPL-style methods including Akulaku PayLater and Kredivo.

Checkout And Billing Flows

Midtrans supports several merchant collection patterns, depending on how much control you need over the user experience.

Hosted Checkout With Snap

Snap provides a hosted payment page experience that can be presented in a web or app checkout flow. It supports redirect-based flows and embedded checkout presentation patterns, designed to reduce the merchant’s need to build and maintain a full payment UI.

API-Driven Payments With Core API

Core API supports API-based payment flows for merchants that need more control over the payment lifecycle and integration patterns. This approach is commonly used when you want to build a custom checkout, integrate with back-office systems, or support specialized devices and operational flows.

Payment Links And Invoicing

Midtrans offers payment links and invoicing oriented functionality for no-code or low-code collection. This is suitable for use cases like manual billing, chat-based selling, and lightweight checkout scenarios.

Recurring And Saved Card Flows

Midtrans documents one-click, two-click, and recurring card flows using tokenization. This supports saved-card experiences and recurring billing patterns where tokenized card references are used for repeat charges.

Midtrans Pricing And Fees

Midtrans describes a setup model with no setup fee and no monthly subscription fee. Charges are applied per successful transaction, and the exact fees depend on the payment method.

Examples of method-level fees include:

• Bank transfer / virtual account: a fixed fee per transaction (listed in IDR).

• Credit cards: a percentage plus a fixed IDR component per transaction.

• Wallets and QRIS: percentage-based fees by method.

• Over-the-counter: a fixed fee per transaction (listed in IDR).

• Direct debit and cardless credit: method-specific fee schedules.

Merchants should treat Midtrans pricing as a method-based fixed schedule rather than interchange-plus pricing. Midtrans does not present interchange pass-through mechanics or tiered discounting in its standard published pricing presentation.

Currency Handling

Midtrans states that it processes transactions in Indonesian Rupiah (IDR). If a merchant sells in other currencies, the flow requires conversion to IDR before submitting the charge request. This constraint is important for cross-border ecommerce where pricing may be displayed in a different currency.

Security, Compliance, And Authentication

Midtrans presents several security and compliance elements that are directly relevant to merchants handling card payments and fraud risk:

• PCI DSS Level 1 service provider positioning for card data security.

• ISO/IEC 27001 certification positioning for information security management.

• 3D Secure support for cardholder authentication.

Midtrans also documents a fraud prevention stack, including a Fraud Detection System (FDS) and fraud rules tooling designed to identify and prevent suspicious transactions. The implementation details include rule-based detection and risk controls integrated into the payment lifecycle.

Reporting And Merchant Operations

Midtrans provides merchant reporting and operational tooling through MAP, including transaction views and downloadable reporting functionality. For programmatic needs, Midtrans also presents reporting and transaction history style APIs within its documentation ecosystem.

Operationally, merchants should expect:

• A merchant dashboard for transaction monitoring and operational controls.

• Report downloads and daily reporting patterns supported within the portal.

• Documentation for transaction notifications and webhooks to keep merchant systems synchronized with payment status changes.

Settlement And Payout Expectations

Midtrans describes real-time settlements in its product positioning. It does not publish a universal T+N settlement schedule within the standard public pages for each method. Settlement timing can vary by payment rail and operational setup, so merchants should validate method-specific payout expectations during onboarding and configuration in the merchant portal.

Integrations And Ecosystem

Midtrans supports multiple integration approaches:

• APIs and web services for custom development.

• Hosted payment page patterns via Snap.

• Webhook notifications for asynchronous payment status updates.

• Plugins and platform modules for common commerce stacks.

Midtrans lists official plugins and integrations for platforms including WooCommerce, Magento, OpenCart, PrestaShop, WHMCS, Drupal Commerce, and Easy Digital Downloads. It also references compatibility with third-party ecommerce platforms such as Shopify and local commerce enablement providers that it lists as supported platforms.

For developers, Midtrans offers:

• Native Mobile SDKs for Android and iOS.

• Language libraries including PHP, Ruby, Node.js, Python, Java, and Go.

Conclusion

Midtrans is an Indonesia-focused PSP that supports multi-rail payment acceptance across cards, bank transfers and virtual accounts, digital wallets, QRIS, over-the-counter cash payments, and BNPL options such as Akulaku PayLater and Kredivo. Merchants can integrate using Snap hosted checkout, Core API, payment links and invoicing, plugins for popular ecommerce platforms, and webhooks for status updates. Midtrans also documents tokenization-based saved card and recurring flows, and it positions security around PCI DSS, ISO/IEC 27001, and 3D Secure support. For merchants whose customers pay in Indonesia and where IDR settlement aligns with the business model, Midtrans provides a cohesive toolkit spanning acceptance, fraud prevention, and reporting.