Asia-Pacific · Available
Payment methods in Indonesia
Indonesia pays online with QRIS, the national QR standard that carries about 30% of online payments by value (Bank Indonesia, 2025), with bank virtual accounts and with the DANA wallet; Visa and Mastercard serve card holders. Bank Indonesia licenses payment service providers; in Indonesia the platform runs under the licensed client's registration and domain, the licensed local provider performs the intermediation, and Tranzify supplies the software and the integrations.
Market facts
- Currency
- IDR · Indonesian rupiah
- Region
- Asia-Pacific
- Payments regulator
- Bank Indonesia (BI)
Payment methods
| Type | Payment methods | share of e-commerce payments |
|---|---|---|
| QR payments | QRIS | 30 % |
| Bank transfers & instant payments | Virtual accounts (Indonesia) | — |
| Wallets | DANA | — |
| Cards | Visa | — |
| Cards | Mastercard | — |
| Wallets | PayPal | — |
| Wallets | GoPay | — |
| Wallets | OVO | — |
The market
Indonesia pays by phone and by bank, not by card. QRIS, the QR standard Bank Indonesia launched in 2019, lets any bank or wallet app scan the same code, and it carries about 30% of online payments by value (Bank Indonesia, 2025). Virtual accounts are the other everyday method: the order gets a bank account number, the payer transfers from the banking app or an ATM, and the provider matches the transfer instantly. DANA is one of the large wallets that scan QRIS and pay in-app. Visa and Mastercard cover the part of the market with credit cards and the foreign shoppers. Bank Indonesia licenses payment service providers and sets the QRIS rules; the licensed provider is the party in the payment chain.
How Tranzify clients launch
A licensed client asks for the Indonesian integrations and enables Xendit, Midtrans, JadePay or BadaPay from the catalogue under its own contracts and licence; the platform runs under the client’s registration and domain, the licensed local provider performs the intermediation, and Tranzify supplies the software and the integrations. Xendit, Midtrans and JadePay cover QRIS and virtual accounts, Xendit and Midtrans also DANA, BadaPay virtual accounts; DANA is enabled on a client’s request, and cards go through an acquirer the client adds from the catalogue. The checkout shows QRIS on mobile and a virtual account on desktop; routing by method picks the provider, and an unpaid virtual account cascades to QRIS. Every payment is journaled for five years and reported by webhook. Indonesia is live in the catalogue.
QRIS and virtual accounts
QRIS settles same-day to the provider; a virtual account is credited instantly. Both are deposit-only and without chargebacks; refunds and payouts go as bank transfers through Xendit, JadePay or BadaPay, whose catalogue entries carry payout operations, and the orchestration keeps an order open until the provider confirms the incoming transfer.
Providers active in Indonesia
How to launch here via Tranzify
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Frequently asked questions
Which methods must an Indonesian checkout have?+
Does Tranzify need a Bank Indonesia licence?+
How do payouts and settlement work in Indonesia?+
Other countries in the region
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