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 GatewayMidtransFasPayiPaymuEsPayXenditDokuiPay88NicePay2CheckoutPayPal
Setup FeeFreeFreeFreeFreeFreeFreeRP 8,000,000FreeFreeFree
Annual feeFreeFreeRP 150,000FreeFreeFreeRP 500,000FreeFreeFree
Commission per transactionCredit 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 acceptedCredit 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 managementYesYesYesYesYesYesYesYesYesYes
Accepted CurrenciesIDR onlyMajor foreign currencies tooIDR onlyIDR onlyIDR, PHP, USD, SGD. MYRIDR onlyIDR onlyAll major and southeast currenciesAll major
Currencies
24 Currencies (USD, RP,
Euros, GBP, Yen, SGD
and more currencies)
Set up typeOnlineOnlineOnlineOnlineOnlineOnlineOnlineOnlineOnlineOnline
Onboarding & Approvals time2 weeks1 week2 days2-3 days3-4 days1 week2-3 days14-30 days24-48 hours1-2 days
Recurring BillingYesYesYesYesYesYesYesYesYesYes
Charges on RefundsNo Extra ChargesNo Extra ChargesNo Extra ChargesNo Extra ChargesNo Extra ChargesNo Extra ChargesNo Extra ChargesNo Extra ChargesNo extra chargeNo extra charge
SDK StacksPHP, Ruby, Nodejs, Python, Java, Go Android, iOSXML, Php, JSONJSON, XML, Php, C#, go, Java Android, iOS, Javascript, Python Ruby,JavaScript, Android, iOSJavaScript, Android, iOS, Node.js, PHP, GoJavaScript, Php, XMLPhp, ASP, Android, iOSJava, C#, Php, Python, NodejsJava, Ruby, .net, C#, PythonJava, .net, PHP, python, node, ruby
Settlement timeCan be set to daily, weekly & monthlyImmediate to 3 days3 days3 days7 days3 days3 days3 daysWeekly – Transfer to Bank AccountPayment into PayPal Account Instantly.
Payouts supportYesNoYesNoYesNoYesYesYesYes
Split paymentsYesNoYesNoNoNoYesNoYesYes

1. Setup Fee

Payment GatewaySetup Fee
MidtransFree
FasPayFree
iPaymuFree
EsPayFree
XenditFree
DokuFree
iPay88RP 8,000,000
NicePayFree
2CheckoutFree
PayPalFree

2. Annual fee

Payment GatewayAnnual fee
MidtransFree
FasPayFree
iPaymuRP 150,000
EsPayFree
XenditFree
DokuFree
iPay88RP 500,000
NicePayFree
2CheckoutFree
PayPalFree

3. Commission per transaction

Payment GatewayCommission per transaction
MidtransCredit Card
2.9% + RP 2,000Bank Transfer
RP 4,000
FasPayCredit Card
3% + RP 3,000Bank Transfer
RP 4,000
iPaymuCredit 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

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

Credit Card
Bank Fee + RP 2,500

Bank Transfer
Bank Fee + RP 2500

iPay88Credit Card
Bank fee + 2.5%Bank Transfer
RP 7,000
NicePayCredit Card
2.9% + RP 2,000Bank Transfer
RP 4,000
2Checkout3.9 % + $0.45 USD

1.5% cross-border fee

PayPalDomestic
3.9% + RP 2.00Cross border
4.4% + Fixed fee-based
on the currency received

4. Payment methods accepted

Payment GatewayPayment 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
2CheckoutAll major
Credit/Debit cards 

PayPal, Apple Pay,
Android Pay

Indonesia Bank Transfer

PayPalCredit/Debit Card
Visa, MasterCard, Discover
American Express 

Indonesian Bank Transfer

5. Fraud & Risk management

Payment GatewayFraud & Risk management
MidtransYes
FasPayYes
iPaymuYes
EsPayYes
XenditYes
DokuYes
iPay88Yes
NicePayYes
2CheckoutYes
PayPalYes

6. Accepted currencies

Payment GatewayAccepted Currencies
MidtransIDR only
FasPay
Major foreign currencies too
iPaymuIDR only
EsPayIDR only
Xendit
IDR, PHP, USD, SGD. MYR
DokuIDR only
iPay88IDR only
NicePay
All major and southeast currencies
2CheckoutAll major
Currencies
PayPal24 Currencies (USD, RP,
Euros, GBP, Yen, SGD
and more currencies)

7. Set up type

Payment GatewaySet up type
MidtransOnline
FasPayOnline
iPaymuOnline
EsPayOnline
XenditOnline
DokuOnline
iPay88Online
NicePayOnline
2CheckoutOnline
PayPalOnline

8. Onboarding & Approvals time

Payment GatewayOnboarding & Approvals time
Midtrans2 weeks
FasPay1 week
iPaymu2 days
EsPay2-3 days
Xendit3-4 days
Doku1 week
iPay882-3 days
NicePay14-30 days
2Checkout24-48 hours
PayPal1-2 days

9. Recurring Billing

Payment GatewayRecurring Billing
MidtransYes
FasPayYes
iPaymuYes
EsPayYes
XenditYes
DokuYes
iPay88Yes
NicePayYes
2CheckoutYes
PayPalYes

10. Charges on Refunds

Payment GatewayCharges 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
2CheckoutNo extra charge
PayPalNo extra charge

11. SDK Stacks

Payment GatewaySDK Stacks
MidtransPHP, Ruby, Nodejs, Python, Java, Go Android, iOS
FasPayXML, PHP, JSON
iPaymuJSON, XML, Php, C#, go, Java Android, iOS, Javascript, Python Ruby,
EsPay
JavaScript, Android, iOS
XenditJavaScript, Android, iOS, Node.js, PHP, Go
Doku
JavaScript, Php, XML
iPay88
Php, ASP, Android, iOS
NicePay
Java, C#, Php, Python, Nodejs
2CheckoutJava, Ruby, .net, C#, Python
PayPalJava, .net, PHP, python, node, ruby

12. Settlement time

Payment GatewaySettlement time
Midtrans
Can be set to daily, weekly & monthly
FasPay
Immediate to 3 days
iPaymu3 days
EsPay3 days
Xendit7 days
Doku3 days
iPay883 days
NicePay3 days
2CheckoutWeekly – Transfer to Bank Account
PayPalPayment into PayPal Account Instantly.

13. Payouts support

Payment GatewayPayouts support
MidtransYes
FasPayNo
iPaymuYes
EsPayNo
XenditYes
DokuNo
iPay88Yes
NicePayYes
2CheckoutYes
PayPalYes

14. Split payments

Payment GatewaySplit payments
MidtransYes
FasPayNo
iPaymuYes
EsPayNo
XenditNo
DokuNo
iPay88Yes
NicePayNo
2CheckoutYes
PayPalYes

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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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