Accepting Online Payments in Indonesia: What to Know

Meet Customers Where They Pay

A checkout that only takes credit cards loses most Indonesian shoppers. The methods people actually use are e-wallets (GoPay, OVO, Dana), QRIS, virtual accounts, and increasingly buy-now-pay-later.

Use a Payment Gateway

Rather than integrating each bank and wallet yourself, a gateway like Midtrans or Xendit gives you all the popular methods through one integration — with security and reconciliation handled.

What to Check Before Choosing

• Supported methods your customers prefer
• Transaction fees and settlement timing
• Ease of integration and quality of docs
• Dashboard for tracking and refunds

Don't Forget the Basics

• Always use HTTPS and never store card data yourself
• Show clear confirmation and send a receipt
• Handle failed payments gracefully with a retry path

Keep Checkout Short

Every extra field costs you sales. Ask only for what you need, support guest checkout, and make the pay button impossible to miss.