Top 10 Best Payment Gateways in Indonesia
Get complete information on the best payment gateway service providers in Indonesia.
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| Payment Gateway | Midtrans | FasPay | iPaymu | EsPay | Xendit | Doku | iPay88 | NicePay | 2Checkout | PayPal |
| Setup Fee | Free | Free | Free | Free | Free | Free | RP 8,000,000 | Free | Free | Free |
| Annual fee | Free | Free | RP 150,000 | Free | Free | Free | RP 500,000 | Free | Free | Free |
| Commission per transaction | Credit Card 2.9% + RP 2,000Bank Transfer RP 4,000 |
Credit Card 3% + RP 3,000Bank Transfer RP 4,000 |
Credit Card 2.8% + RP 5,000Bank Transfer RP 5,000 + 2,000 |
Credit Card 2.2% + RP 3,000Bank Transfer Bank fee+ RP 2,000 |
Credit Card 2.9% + RP 2,000Bank Transfer RP 4,500 |
Credit Card Bank Fee + RP 2,500Bank Transfer Bank Fee + RP 2500 |
Credit Card Bank fee + 2.5%Bank Transfer RP 7,000 |
Credit Card 2.9% + RP 2,000Bank Transfer RP 4,000 |
3.9 % + $0.45 USD
1.5% cross-border fee |
Domestic 3.9% + RP 2.00Cross border 4.4% + Fixed fee-based on the currency received |
| Payment methods accepted | Credit Card AMEX, MasterCard, Visa, JCB Internet Banking
E-Wallet |
Credit Card AMEX, MasterCard, Visa, JCB Internet Banking
E-Wallet |
Credit Card AMEX, MasterCard, Visa, JCB Internet Banking
E-Wallet |
Credit Card MasterCard, Visa Internet Banking
E-Wallet |
Credit Card AMEX, MasterCard, Visa, JCB Internet Banking
E-Wallet |
Credit Card MasterCard, Visa, JCB Internet Banking
E-Wallet |
Credit Card MasterCard, Visa, JCB, Amex, Union Pay Internet Banking
E-Wallet |
Credit Card AMEX, MasterCard, Visa, JCB Internet Banking
E-Wallet |
All major Credit/Debit cards PayPal, Apple Pay,
Indonesia Bank Transfer |
Credit or Debit Card Visa, MasterCard, Discover American Express Indonesian Bank Transfer |
| Fraud & Risk management | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Accepted Currencies | IDR only | Major foreign currencies too | IDR only | IDR only | IDR, PHP, USD, SGD. MYR | IDR only | IDR only | All major and southeast currencies | All major Currencies |
24 Currencies (USD, RP, Euros, GBP, Yen, SGD and more currencies) |
| Set up type | Online | Online | Online | Online | Online | Online | Online | Online | Online | Online |
| Onboarding & Approvals time | 2 weeks | 1 week | 2 days | 2-3 days | 3-4 days | 1 week | 2-3 days | 14-30 days | 24-48 hours | 1-2 days |
| Recurring Billing | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Charges on Refunds | No Extra Charges | No Extra Charges | No Extra Charges | No Extra Charges | No Extra Charges | No Extra Charges | No Extra Charges | No Extra Charges | No extra charge | No extra charge |
| SDK Stacks | PHP, Ruby, Nodejs, Python, Java, Go Android, iOS | XML, Php, JSON | JSON, XML, Php, C#, go, Java Android, iOS, Javascript, Python Ruby, | JavaScript, Android, iOS | JavaScript, Android, iOS, Node.js, PHP, Go | JavaScript, Php, XML | Php, ASP, Android, iOS | Java, C#, Php, Python, Nodejs | Java, Ruby, .net, C#, Python | Java, .net, PHP, python, node, ruby |
| Settlement time | Can be set to daily, weekly & monthly | Immediate to 3 days | 3 days | 3 days | 7 days | 3 days | 3 days | 3 days | Weekly – Transfer to Bank Account | Payment into PayPal Account Instantly. |
| Payouts support | Yes | No | Yes | No | Yes | No | Yes | Yes | Yes | Yes |
| Split payments | Yes | No | Yes | No | No | No | Yes | No | Yes | Yes |
1. Setup Fee
| Payment Gateway | Setup Fee |
| Midtrans | Free |
| FasPay | Free |
| iPaymu | Free |
| EsPay | Free |
| Xendit | Free |
| Doku | Free |
| iPay88 | RP 8,000,000 |
| NicePay | Free |
| 2Checkout | Free |
| PayPal | Free |
2. Annual fee
| Payment Gateway | Annual fee |
| Midtrans | Free |
| FasPay | Free |
| iPaymu | RP 150,000 |
| EsPay | Free |
| Xendit | Free |
| Doku | Free |
| iPay88 | RP 500,000 |
| NicePay | Free |
| 2Checkout | Free |
| PayPal | Free |
3. Commission per transaction
| Payment Gateway | Commission per transaction |
| Midtrans | Credit Card 2.9% + RP 2,000Bank Transfer RP 4,000 |
| FasPay | Credit Card 3% + RP 3,000Bank Transfer RP 4,000 |
| iPaymu | Credit Card 2.8% + RP 5,000Bank Transfer RP 5,000 + 2,000 |
| EsPay |
Credit Card Bank Transfer |
| Xendit | Credit Card 2.9% + RP 2,000Bank Transfer RP 4,500 |
| Doku |
Credit Card Bank Transfer |
| iPay88 | Credit Card Bank fee + 2.5%Bank Transfer RP 7,000 |
| NicePay | Credit Card 2.9% + RP 2,000Bank Transfer RP 4,000 |
| 2Checkout | 3.9 % + $0.45 USD
1.5% cross-border fee |
| PayPal | Domestic 3.9% + RP 2.00Cross border 4.4% + Fixed fee-based on the currency received |
4. Payment methods accepted
| Payment Gateway | Payment methods accepted |
| Midtrans |
Credit Card
AMEX, MasterCard, Visa, JCB Internet Banking
CIMB Clicks, Bank BRI, BCA KlikPay, Danamon, ePay Mandiri ClickPay E-Wallet
Mandidi, GoPay, Line Pay, XL Cash, BBM Money, Indosat Dompetku, tCash |
| FasPay |
Credit Card
AMEX, MasterCard, Visa, JCB Internet Banking
CIMB Clicks, Bank BRI, BCA KlikPay, Danamon, ePay, Bank Permata E-Wallet
Rekening Ponsel, LinkAja |
| iPaymu |
Credit Card
AMEX, MasterCard, Visa, JCB Internet Banking
BTN, KBukopin, DBS, OSBC NISP, Mandiri, CIMB Niaga, AGI, RPX E-Wallet
OVO, GoPay, Dana, Sakuk, Shopee Pay |
| EsPay |
Credit Card
MasterCard, Visa Internet Banking
CIMB Clicks, Bank BRI, BCA KlikPay, Danamon, ePay, Bank Permata E-Wallet
tCash, LinkAja, GoPay, OVO, Saldomu |
| Xendit |
Credit Card
AMEX, MasterCard, Visa, JCB Internet Banking
BRI, BNI, Mandiri, BCA, Permata E-Wallet
OVO, Dana, LinkAja |
| Doku |
Credit Card
MasterCard, Visa, JCB Internet Banking
ATM Bersama, Prima, Mandiri Clickpay, BCA Klikpay, BRI e-Pay, Alto Muamalat, Danamon, Permata Net CIMBClicks, Kredivo, KlikBCA, BNI Yap E-Wallet
Doku |
| iPay88 |
Credit Card
MasterCard, Visa, JCB, Amex, Union Pay Internet Banking
BCA Klikpay, E-pay BRI, QNB, Maybank2U, Danamon, CIMBClicks, SBI E-Wallet
OVO, LinkAja, Rekening Ponsel |
| NicePay |
Credit Card
AMEX, MasterCard, Visa, JCB Internet Banking
BRI, BNI, Mandiri, BCA, Permata, Danamon, KEB Hana Bank, Maybank E-Wallet
OVO, LinkAja |
| 2Checkout | All major Credit/Debit cards PayPal, Apple Pay, Indonesia Bank Transfer |
| PayPal | Credit/Debit Card Visa, MasterCard, Discover American Express Indonesian Bank Transfer |
5. Fraud & Risk management
| Payment Gateway | Fraud & Risk management |
| Midtrans | Yes |
| FasPay | Yes |
| iPaymu | Yes |
| EsPay | Yes |
| Xendit | Yes |
| Doku | Yes |
| iPay88 | Yes |
| NicePay | Yes |
| 2Checkout | Yes |
| PayPal | Yes |
6. Accepted currencies
| Payment Gateway | Accepted Currencies |
| Midtrans | IDR only |
| FasPay |
Major foreign currencies too
|
| iPaymu | IDR only |
| EsPay | IDR only |
| Xendit |
IDR, PHP, USD, SGD. MYR
|
| Doku | IDR only |
| iPay88 | IDR only |
| NicePay |
All major and southeast currencies
|
| 2Checkout | All major Currencies |
| PayPal | 24 Currencies (USD, RP, Euros, GBP, Yen, SGD and more currencies) |
7. Set up type
| Payment Gateway | Set up type |
| Midtrans | Online |
| FasPay | Online |
| iPaymu | Online |
| EsPay | Online |
| Xendit | Online |
| Doku | Online |
| iPay88 | Online |
| NicePay | Online |
| 2Checkout | Online |
| PayPal | Online |
8. Onboarding & Approvals time
| Payment Gateway | Onboarding & Approvals time |
| Midtrans | 2 weeks |
| FasPay | 1 week |
| iPaymu | 2 days |
| EsPay | 2-3 days |
| Xendit | 3-4 days |
| Doku | 1 week |
| iPay88 | 2-3 days |
| NicePay | 14-30 days |
| 2Checkout | 24-48 hours |
| PayPal | 1-2 days |
9. Recurring Billing
| Payment Gateway | Recurring Billing |
| Midtrans | Yes |
| FasPay | Yes |
| iPaymu | Yes |
| EsPay | Yes |
| Xendit | Yes |
| Doku | Yes |
| iPay88 | Yes |
| NicePay | Yes |
| 2Checkout | Yes |
| PayPal | Yes |
10. Charges on Refunds
| Payment Gateway | Charges on Refunds |
| Midtrans |
No Extra Charges
|
| FasPay |
No Extra Charges
|
| iPaymu |
No Extra Charges
|
| EsPay |
No Extra Charges
|
| Xendit |
No Extra Charges
|
| Doku |
No Extra Charges
|
| iPay88 |
No Extra Charges
|
| NicePay |
No Extra Charges
|
| 2Checkout | No extra charge |
| PayPal | No extra charge |
11. SDK Stacks
| Payment Gateway | SDK Stacks |
| Midtrans | PHP, Ruby, Nodejs, Python, Java, Go Android, iOS |
| FasPay | XML, PHP, JSON |
| iPaymu | JSON, XML, Php, C#, go, Java Android, iOS, Javascript, Python Ruby, |
| EsPay |
JavaScript, Android, iOS
|
| Xendit | JavaScript, Android, iOS, Node.js, PHP, Go |
| Doku |
JavaScript, Php, XML
|
| iPay88 |
Php, ASP, Android, iOS
|
| NicePay |
Java, C#, Php, Python, Nodejs
|
| 2Checkout | Java, Ruby, .net, C#, Python |
| PayPal | Java, .net, PHP, python, node, ruby |
12. Settlement time
| Payment Gateway | Settlement time |
| Midtrans |
Can be set to daily, weekly & monthly
|
| FasPay |
Immediate to 3 days
|
| iPaymu | 3 days |
| EsPay | 3 days |
| Xendit | 7 days |
| Doku | 3 days |
| iPay88 | 3 days |
| NicePay | 3 days |
| 2Checkout | Weekly – Transfer to Bank Account |
| PayPal | Payment into PayPal Account Instantly. |
13. Payouts support
| Payment Gateway | Payouts support |
| Midtrans | Yes |
| FasPay | No |
| iPaymu | Yes |
| EsPay | No |
| Xendit | Yes |
| Doku | No |
| iPay88 | Yes |
| NicePay | Yes |
| 2Checkout | Yes |
| PayPal | Yes |
14. Split payments
| Payment Gateway | Split payments |
| Midtrans | Yes |
| FasPay | No |
| iPaymu | Yes |
| EsPay | No |
| Xendit | No |
| Doku | No |
| iPay88 | Yes |
| NicePay | No |
| 2Checkout | Yes |
| PayPal | Yes |
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Choosing the best Payment Gateway provider in Indonesia
Choosing the best payment gateway provider for your eCommerce website is a tedious process. While choosing, you should ensure that customer payment experience is smooth, fast and secure. This helps to increase trust among the customers and come back to purchase other products or services in the future.
Here are six factors to consider before selecting the payment gateway:
Government Regulations
In addition to permission from Bank Indonesia to run their service, payment gateway providers in Indonesia must have a license from PCI DSS with Level 1. In Indonesia, many payment providers can be found who bear all the PCI DSS requirements and compliance standards according to the must followed government regulations.
Multi-currency and International usage
Customers are more likely to make a purchase from a merchant's site when they can pay in their own currency. In Indonesia, only a few providers allow transactions in international currency, so merchants who want to sell their products to foreign or global markets must confirm the multi currency and international usage facility with the vendor in the first place.
Payment and customer support
Few Indonesian payment gateway service vendors also provide hotline customer support services that are active 24 hours a day and 7 days a week. These services must be completely free of cost and merchants are entitled to get this service. Customer support service can be available in the form of e-mail, phone number and whatsapp while the turnaround time should be minimum.
Mobile App and CMS Support
Vendors that can provide easy manageable APIs and customizable payment gateway platforms for mobile apps pull more audience in this digital age. The gateway that you select for your site should provide a solution that will enable your customers to shop hassle-free from their respective mobiles through a dedicated app.
Safety & Security Features
Risk management team at payment gateway provider’s end must monitor all the transactions. For example, Nicepay risk management team contact the merchant immediately in case of suspicious activity is identified. Apart from that, the payment gateway provider should also have a fraud detecting system installed to detect fraudulent incoming transactions.
Required Documentation
Many Indonesian payment gateway vendors have easily understandable and fast administrative and technical processes that makes onboarding a smooth experience for the merchant. Document completeness checks should take a maximum of 3-4 days and the platform needs to support various APIs, Plugins and SDK stacks to give the merchant better options.
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