Tranzify
en
Book a demo
☰

Wallets · On request

DANA

DANA is an Indonesian e-wallet launched in 2018 by Espay Debit Indonesia Koe, backed by Emtek and Ant Group, with a Bank Indonesia e-money licence: the checkout opens the DANA app or shows a QR code, the payer confirms with a PIN, and the provider confirms within seconds. There are no chargebacks; the flow covers pay-ins only.

Enable via Tranzify See providers

Key facts

Countries
Indonesia
Currencies
IDR
Operations
Pay-in
Settlement
instant
Chargebacks
not possible

How a payment goes through

  1. 1The checkout opens the wallet app or shows its button
  2. 2The payer confirms in the app with a PIN or biometrics
  3. 3The wallet confirms the payment to the provider within seconds
  4. 4Webhook to the merchant; a refund goes back the same way

How a payment goes through

  1. The checkout offers DANA: the app opens on a phone, a QR code appears on a desktop.
  2. The payer confirms the amount in the DANA app with a PIN.
  3. The provider confirms within seconds; a payment not confirmed in time expires.
  4. Tranzify writes the result and calls the merchant’s webhook.

DANA against cards in Indonesia

DANA is funded from a bank account, a card or in cash at partner outlets, and spent from the app or by scanning QRIS codes in shops. For a checkout it is the one-tap option for payers who already keep money in the wallet.

DANA Cards
Who runs it Espay Debit Indonesia Koe, licensed by Bank Indonesia Visa and Mastercard through local acquirers
Confirmation seconds, in the app seconds, with 3-D Secure
Chargebacks none scheme rules
Payer needs the DANA app a card enabled for online payments
Payouts and refunds not in the flow scheme refunds

The integration covers pay-ins only: no payouts, refunds or recurring charges through this method.

Who uses it

E-commerce and retail, digital goods and gaming, delivery and on-demand services: small, frequent purchases from a phone, where the wallet’s one-tap confirmation matters most.

How to connect

  1. 1Onboard with Tranzify and get your network, keys and back office.
  2. 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
  3. 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
  4. 4Go live. Every payment, callback and retry is in the journal for five years.

Providers offering this method

M Midtrans 5 methods · ID On request X Xendit 5 methods · ID On request

Industries

E-commerce & retailDigital goods & gamingDelivery & on-demand

Terms

E-wallet

Frequently asked questions

How does DANA relate to QRIS?+
A QRIS code is paid from any Indonesian wallet or bank app, DANA included; the DANA method opens the DANA app directly with the amount filled in, which converts better for the payers who use that wallet.
What are the wallet limits?+
Bank Indonesia’s e-money rules cap a verified wallet’s balance at 20 million rupiah and an unverified one at 2 million; the provider applies the current limits.
Who is the licensed party in Indonesia?+
The platform runs under the licensed client’s registration; the licensed local provider from the catalogue, Xendit or Midtrans, performs the intermediation. Tranzify supplies the software and does not hold funds. The method is enabled on a client’s request.

Related methods

QR QRIS QR payments · 1 countries Available VI Virtual accounts (Indonesia) Bank transfers & instant payments · 1 countries Available

See the platform on your own flows

Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.

  • ✓ Not a financial institution
  • ✓ Money never passes through us
  • ✓ Built to PCI DSS requirements

By sending the form you agree to the privacy policy.