Sources: Bank Indonesia and provider disclosures, 2024–2025.
How Indonesia pays
Indonesia is mobile-first, and card ownership is far lower than in the region's richer markets. Shoppers pay through e-wallets such as GoPay, OVO, DANA and ShopeePay, by bank transfer to a virtual account created for each order, or in cash at Alfamart and Indomaret convenience stores.
Bank Indonesia ties it together with QRIS, a single national QR standard that any bank app or e-wallet can pay, and the BI-FAST rail for instant transfers. Domestic debit runs on the national GPN network. For an enterprise merchant, the starting point is international card acquiring through our global gateways, with the local methods Indonesians use tracked as the way into the wider market, all behind one integration.
Why merchants run on us here
Card acquiring live today
International card acquiring for the banked, cross-border segment, with routing across acquirers and 3DS where it helps.
One QR for every wallet
QRIS lets any bank app or e-wallet pay any merchant code, the rail most Indonesians now use to pay.
Wallets and virtual accounts
GoPay, OVO, DANA and ShopeePay sit beside bank transfer to a virtual account, a long-standing checkout habit.
Rupiah collection, simplified
Collect in rupiah and settle in your base currency, with cards, wallets and local methods behind one integration.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Indonesia
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Indonesia like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Indonesia today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Indonesian rupiah (IDR) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Indonesia?
Talk to our payments team about going live in Indonesia — coverage, local acquiring, settlement and timelines for your business.