Payment Gateways in Indonesia: Top 5 Picks

Choosing the right payment gateways in Indonesia is about matching local payment habits to your checkout process, not just picking a well-known brand. Indonesia is a mobile-first market where customers expect familiar options, such as QR payments, e-wallets, and bank transfers. If their preferred method is unavailable, they are likely to abandon the checkout.

Why Payment Gateways In Indonesia Matter

Indonesia’s size and growth make payment acceptance a vital strategy, not just a backend task:

• According to the Indonesia e-Conomy SEA 2024 report, the country’s digital economy gross merchandise value is projected to reach $90 billion in 2024.
• The same report indicates that e-commerce gross merchandise value is expected to hit $65 billion in 2024, highlighting the significant opportunity in online shopping.
• The volume of digital payments (gross transaction value) is anticipated to reach $404 billion in 2024, showing the level of payment activity through cards, account-to-account transfers, and wallets.
• Internet use in Indonesia rose to 79.5% in 2024, based on APJII survey results reported by ANTARA.

This emphasizes the importance of easy online and mobile payments. For merchants, the variety of payment methods, reliability, and quality of reconciliation directly influence conversion rates, customer support demands, and cash-flow predictability.

What To Look For In Payment Providers In Indonesia

Before choosing a gateway, align your needs with local realities. Here’s a practical checklist:

Local Payment Mix Fit

• Support for QR payments (often QRIS), major e-wallets, and bank transfer methods (often through virtual account flows).
• For some industries, over-the-counter or retail payments can still be important.

Integration Approach And Time To Launch

• Options usually vary from checkout pages and payment links to direct API integration and platform or marketplace flows.
• If you manage multiple storefronts, consistency across environments is often more beneficial than unique features.

Operations And Finance Readiness

• Consider settlement timing, payout tools, refunds or voids, and clear reconciliation records.
• Look for reporting detail that supports accounting and handling disputes.

Risk And Control

• Practical tools for preventing fraud, managing chargebacks (for cards), and setting payment rules.

Top 5 Indonesian Payment Gateways

Xendit

Xendit focuses on broad payment acceptance, offering credit cards, virtual accounts, bank transfers, e-wallets, and QRIS. It also includes support for subscription payments and platform-style setups, which can be useful for recurring billing or multi-party payouts.

Strengths:

• Extensive method coverage for common Indonesian checkout preferences.
• Supports QR-code payments as part of its method options.

Watchouts:

• Check which methods are available for your specific entity type, use case, and required settlement model.

DOKU

DOKU provides detailed documentation that outlines a wide range of payment methods, including card payments (with networks like Visa, Mastercard, JCB, and American Express), various e-wallet options, and QRIS. For teams that value clear implementation, detailed documentation can reduce confusion during integration and shorten quality assurance cycles.

Strengths:

• Clear method categories in documentation (cards, e-wallets, QRIS).
• Helpful when you need specific method mapping for product and finance teams.

Watchouts:

• Verify exact acquiring, regional, and settlement limits during onboarding.

Faspay

Faspay presents itself as an all-in-one gateway, claiming support for over 50 payment methods, including credit cards, e-wallets, virtual accounts, and retail payments through a single integration. This wide range can be beneficial if you serve diverse demographics or want to minimize drop-offs due to unavailable methods.

Strengths:

• Broad method range (50+), including retail channels.
• Potentially valuable if you need both online and offline payment options.

Watchouts:

• More methods may lead to more operational rules; ensure clear reporting and reconciliation.

Midtrans

Midtrans encourages flexibility, allowing you to enable some or all payment methods. It lists categories like e-wallets, card payments, bank transfers, over-the-counter payments, direct debit, and cardless credit. For merchants focused on boosting conversion, the ability to selectively enable methods based on channel, basket size, or risk profile can be just as crucial as overall coverage.

Strengths

• Broad method categories, including over-the-counter and direct debit.
• Useful if you want a customizable payment mix based on your business model.

Watchouts:

• Treat configuration as a product aspect: define rules and responsibilities early on.

Espay

Espay’s payment gateway documentation covers various payment methods (including card payments, direct debit, e-money, and virtual accounts) and offers multiple integration options, such as e-commerce plugins, a checkout page, direct API, and payment links. It also mentions onsite payment scenarios linked to QRIS through EDC/POS setups, which may matter if you engage in hybrid online-to-offline journeys.

Strengths:

• Multiple integration modes to fit different engineering and user experience needs.
• Supports both online and onsite payment cases linked to QRIS.

Watchouts:

• Confirm which methods and additional capabilities apply to your specific flow and risk needs.

Conclusion

The best gateway is the one that aligns with how Indonesians actually pay and how your operations team reconciles. Start by identifying your essential methods (QR payments, wallets, bank transfers, cards), then assess integration paths, reporting quality, and settlement expectations. After narrowing down two or three options, conduct a structured pilot: assess authorization success, checkout completion, refund processing, and support ticket volume. If you want a systematic approach to compare these payment providers in Indonesia regarding method coverage and integration options, bilixe, a directory of payment service providers, is a good starting point to build a shortlist before dedicating engineering time.

Last Updated on December 18, 2025 by Support