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Top 10 Best Payment Gateways in Indonesia

Get complete information on the best payment gateway service providers in Indonesia.

Top-10-Payment-Gateways-Devathon

Top 10 payment gateways you should choose for your

E-Commerce store in Indonesia?

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
CIMB Clicks, Bank BRI, BCA KlikPay,
Danamon, ePay Mandiri ClickPay

 

E-Wallet
Mandidi, GoPay, Line Pay, XL Cash,
BBM Money, Indosat Dompetku, tCash

Credit Card
AMEX, MasterCard, Visa, JCB 

Internet Banking
CIMB Clicks, Bank BRI, BCA KlikPay,
Danamon, ePay, Bank Permata

 

E-Wallet
Rekening Ponsel, LinkAja

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

Credit Card
MasterCard, Visa 

Internet Banking
CIMB Clicks, Bank BRI, BCA KlikPay,
Danamon, ePay, Bank Permata

 

E-Wallet
tCash, LinkAja, GoPay, OVO, Saldomu

Credit Card
AMEX, MasterCard, Visa, JCB 

Internet Banking
BRI, BNI, Mandiri,
BCA, Permata

 

E-Wallet
OVO, Dana, LinkAja

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

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

Credit Card
AMEX, MasterCard, Visa, JCB 

Internet Banking
BRI, BNI, Mandiri,
BCA, Permata, Danamon,
KEB Hana Bank, Maybank

 

E-Wallet
OVO, LinkAja

All major
Credit/Debit cards 

PayPal, Apple Pay,
Android 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
2.2% + RP 3,000

Bank Transfer
Bank fee+ RP 2,000

Xendit Credit Card
2.9% + RP 2,000Bank Transfer
RP 4,500
Doku

Credit Card
Bank Fee + RP 2,500

Bank Transfer
Bank Fee + RP 2500

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,
Android 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

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

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

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

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

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

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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