Wallets · On request
GoPay
GoPay is the e-wallet of the GoTo group, born inside the Gojek app in 2016 and now also a standalone app, with a Bank Indonesia e-money licence: the checkout opens the app on a phone or shows a QR code on a desktop, the payer confirms with a PIN, and the provider confirms within seconds. There are no chargebacks; the flow covers pay-ins and refunds, and a Tranzify client enables it on request.
Key facts
- Countries
- Indonesia
- Currencies
- IDR
- Operations
- Pay-in · Refund
- Settlement
- instant
- Chargebacks
- not possible
How a payment goes through
- 1The checkout opens the wallet app or shows its button
- 2The payer confirms in the app with a PIN or biometrics
- 3The wallet confirms the payment to the provider within seconds
- 4Webhook to the merchant; a refund goes back the same way
How a payment goes through
- The checkout offers GoPay: the app opens on a phone, a QR code appears on a desktop.
- The payer confirms the amount in the app with a PIN.
- The provider confirms within seconds; a payment not confirmed in time expires.
- Tranzify writes the result and calls the merchant’s webhook.
GoPay against cards in Indonesia
GoPay is topped up from a bank account, at ATMs or in partner stores, and spent on rides, food and shopping in the GoTo apps and on QRIS codes everywhere else. For a checkout it is the one-tap option for payers who already keep money in the wallet.
| GoPay | Cards | |
|---|---|---|
| Who runs it | GoTo Financial, licensed by Bank Indonesia for e-money | Visa and Mastercard through local acquirers |
| Confirmation | seconds, in the app | seconds, with 3-D Secure |
| Chargebacks | none | scheme rules |
| Payer needs | the GoPay or Gojek app | a card enabled for online payments |
| Refunds | yes, to the wallet | scheme refunds |
| Recurring | no | yes, with tokens |
The integration covers pay-ins and refunds: payouts to Indonesian accounts go through the providers that offer them, and there are no recurring charges through this method.
Who uses it
E-commerce and retail, delivery and on-demand services, digital goods and travel: small, frequent purchases from a phone, where the wallet’s one-tap confirmation matters most. A client (a payment company) enables Xendit or Midtrans for GoPay under its own contract; the integration is enabled on request.
How to connect
- 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.
Providers offering this method
On request — Request this integration
Industries
Terms
Frequently asked questions
How does GoPay relate to QRIS?+
What are the wallet limits?+
Who is the licensed party in Indonesia?+
Related methods
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