Indonesia recorded 34.5 billion digital payment transactions in 2024, a 36.1 percent year-on-year increase, per Bank Indonesia. QRIS (Quick Response Code Indonesian Standard) transaction volumes alone surged 175.2 percent in the same period, with more than 30 million MSMEs and merchants now accepting QRIS payments.
For Indonesia’s roughly 280 million people, mobile-first payment behavior has overtaken traditional banking infrastructure. E-wallets such as GoPay, OVO, Dana, and ShopeePay each have tens of millions of active users, while virtual account bank transfers, convenience-store payments at Alfamart and Indomaret, and QRIS together cover the checkout mix any serious Indonesian gateway must support. This guide reviews six leading payment gateways for 2026, including a global crypto option.
Key Takeaways
- Indonesia processed 34.5 billion digital payment transactions in 2024, up 36.1 percent year-on-year per Bank Indonesia.
- QRIS transaction volume surged 175.2 percent in 2024, with over 30 million MSMEs and merchants accepting QRIS payments.
- Midtrans, acquired by Gojek in 2017, leads for e-commerce and marketplace integration with full Indonesian payment coverage.
- Xendit is the developer-friendly favorite for startups, with multi-country Southeast Asia support and clean APIs.
- DOKU and Nicepay serve enterprise clients with Bank Indonesia licensing and custom pricing.
- Indonesian gateways cannot process crypto as a direct payment method. Upay supports BTC, ETH, USDT, and USDC at 55 million-plus Visa merchants worldwide.
The Top Payment Gateways in Indonesia for 2026
The Indonesian gateway market is shaped by Bank Indonesia regulation, the QRIS mandate, and the dominance of super-app wallets such as GoPay and ShopeePay. The options below cover e-commerce, enterprise, regional Southeast Asian expansion, and crypto.
| Gateway | Best For | Transaction Fees | Crypto Support | Rating |
|---|---|---|---|---|
| Midtrans | E-commerce and marketplaces | 0.7% to 2.9% | No | 4.7/5 |
| Xendit | Startups and fintech | 2% to 3.5% | No | 4.8/5 |
| DOKU | Enterprise and B2B | Custom pricing | No | 4.3/5 |
| iPay88 | Multi-country Southeast Asia | Custom pricing | No | 4.2/5 |
| Nicepay | Traditional retail and POS | Custom pricing | No | 4.1/5 |
| Upay | Global crypto payments | Low network fees | Yes (BTC, ETH, USDT, USDC) | 4.8/5 |
Midtrans
Source: Midtrans
Midtrans, acquired by Gojek in 2017, is one of Indonesia’s most-used payment gateways and processes payments for over 100,000 merchants. It supports the full range of Indonesian payment methods: credit cards, bank transfers, virtual accounts for major banks (BCA, Mandiri, BNI, BRI), e-wallets (GoPay, OVO, Dana, ShopeePay), Alfamart and Indomaret convenience-store payments, and QRIS.
The platform offers both a hosted payment page and a direct API. Its fraud detection tool, SNAP, uses behavioral data to flag suspicious transactions before authorization. Settlement for bank-transfer transactions typically takes one business day. For Indonesian e-commerce businesses that need every domestic payment method covered, Midtrans is the default choice.
- Setup fee: Free
- Monthly fee: None
- Supported currencies: IDR, with limited international card support
- Key feature: Full Indonesian payment method coverage and GoPay integration
Xendit
Source: Xendit
Xendit is a Singapore-headquartered fintech that operates across Southeast Asia, with Indonesia as its primary market. It is the preferred gateway for Indonesian startups because of its clean API documentation, fast onboarding, and broad payment method support including virtual accounts, e-wallets, credit cards, QRIS, over-the-counter retail payments, and cross-border payouts.
The dashboard provides granular transaction analytics and a testing sandbox that mirrors production closely. Xendit also offers invoice management and recurring billing. For Indonesian businesses that need reliable API uptime and want to expand across Southeast Asia from a single integration, Xendit is a strong anchor gateway.
- Setup fee: Free
- Monthly fee: None
- Supported currencies: IDR, PHP, THB, VND, MYR, SGD
- Key feature: Southeast Asia multi-country coverage with a developer-first API
DOKU
Source: DOKU
DOKU is one of Indonesia’s pioneer payment companies, founded in 2007, and is particularly strong with large enterprises and government-linked organizations. It holds a payment service provider license from Bank Indonesia and offers a full enterprise payment suite covering online, in-store, and recurring billing.
DOKU’s e-wallet product has been integrated into many corporate expense and HR systems. The platform supports credit cards, bank transfers, virtual accounts, and e-wallets. Pricing is customized for enterprise clients. For large Indonesian businesses that need regulatory compliance documentation and dedicated account management, DOKU’s track record and licensing make it a reliable choice.
- Setup fee: Custom
- Monthly fee: Custom, enterprise pricing
- Supported currencies: IDR
- Key feature: Enterprise-grade, Bank Indonesia licensed, with an integrated e-wallet product
iPay88
iPay88 is a Malaysian-founded payment gateway that has expanded across Southeast Asia, including Indonesia. It is particularly useful for businesses that sell across multiple Southeast Asian countries and want a single integration to handle different local payment methods.
In Indonesia, iPay88 supports major local payment methods alongside regional options. The platform has processed payments across Malaysia, Indonesia, Thailand, the Philippines, Singapore, and Cambodia. For mid-sized businesses building a regional e-commerce presence, iPay88 reduces the overhead of maintaining multiple gateway integrations. Pricing is negotiated by country and volume, so businesses should request a custom quote.
- Setup fee: Custom
- Monthly fee: Custom
- Supported currencies: IDR, MYR, THB, PHP, SGD, plus more
- Key feature: Multi-country Southeast Asia coverage from a single API
Nicepay
Source: Nicepay
Nicepay is a Korean-founded payment gateway that has established a strong presence in Indonesia, particularly among Korean-Indonesian joint ventures and e-commerce platforms that built technical teams using Korean software. It supports credit cards, virtual accounts, convenience-store payments, and several Indonesian e-wallets.
Nicepay’s infrastructure is reliable and it holds the required Bank Indonesia licensing. The platform is less prominent among Indonesian-founded startups but is a practical choice for businesses whose technical teams prefer its integration approach or for companies entering Indonesia from markets where Nicepay already operates.
- Setup fee: Custom
- Monthly fee: Custom
- Supported currencies: IDR
- Key feature: Bank Indonesia licensed with strong Korean-Indonesian market connections
Upay
Source: Upay
Upay is a crypto card and wallet platform that lets Indonesian users hold BTC, ETH, USDT, USDC, and other major cryptocurrencies and spend them anywhere Visa is accepted. Indonesia’s regulator, Bappebti, classifies crypto as a commodity rather than currency, which means local payment gateways cannot process it directly. Upay works around that by operating as an international card platform rather than a local gateway.
The Visa-powered card covers 55 million-plus merchants worldwide, supports ATM withdrawals, and works with Apple Pay and Google Pay. There is no need to convert crypto to IDR before spending, which protects users from FX losses and avoids friction on each transaction. Available on iOS and Android at upay.best.
- Setup fee: Free
- Monthly fee: None
- Supported currencies: BTC, ETH, USDT, USDC, plus other major crypto
- Key feature: Spend crypto at 55 million-plus Visa merchants without converting to IDR
How to Choose the Right Payment Gateway for Your Business in Indonesia
When evaluating payment gateways for Indonesia, QRIS support is the first checkbox because Bank Indonesia requires merchants to accept the unified QR code standard. E-wallet coverage matters almost as much: GoPay, OVO, Dana, and ShopeePay together represent a large share of Indonesian e-commerce transactions. Virtual account bank transfers remain essential for mid-to-high-value purchases where customers prefer bank-to-bank payment, and convenience-store payments at Alfamart and Indomaret still serve unbanked or cash-preferring buyers.
Confirm that any gateway you consider is licensed by Bank Indonesia to operate as a payment service provider. For businesses expanding across Southeast Asia, a multi-country gateway such as Xendit or iPay88 reduces integration overhead and FX handling complexity. For crypto payments from international clients or for users who earn in crypto, Upay handles what local gateways cannot.
Why Upay is a Strong Choice in Indonesia for 2026
Indonesia’s crypto regulations, managed by Bappebti, classify crypto as a commodity rather than currency. That distinction matters because it means local payment gateways cannot legally process crypto as a direct payment method, even when the user and merchant both want to transact in stablecoins.
Upay sidesteps that by operating as a crypto card and wallet platform rather than a local Indonesian gateway. Indonesian users and businesses can hold BTC, ETH, USDT, USDC, and other major cryptocurrencies in the Upay wallet and spend them anywhere Visa is accepted, which covers more than 55 million merchants worldwide. For Indonesian freelancers paid in USDT, crypto traders who want to spend without cashing out to IDR, or businesses accepting international crypto payments, Upay is the practical option. It supports ATM withdrawals and works with Apple Pay and Google Pay. Available on iOS and Android at upay.best.
Conclusion
Indonesia’s payment gateway market has matured quickly. Midtrans and Xendit cover the full local payment method mix for digital businesses. DOKU and Nicepay serve enterprise clients with Bank Indonesia licensing. iPay88 is the cleanest single integration for regional Southeast Asian expansion. For crypto payments and international spending that local gateways cannot match, Upay closes the gap with a Visa-powered solution that works anywhere. Get started at upay.best.
Frequently Asked Questions (FAQs)
Which payment gateway is most popular in Indonesia?
Midtrans and Xendit are the most widely used among Indonesian online merchants. Midtrans is favored by larger e-commerce platforms and marketplaces, while Xendit is popular with startups and scaleups.
Do Indonesian payment gateways support GoPay and OVO?
Yes. Midtrans, Xendit, DOKU, and most other Indonesian gateways support GoPay, OVO, Dana, and ShopeePay alongside other local payment methods.
What is QRIS and is it required in Indonesia?
QRIS (Quick Response Code Indonesian Standard) is Bank Indonesia’s unified QR code payment standard. It allows any e-wallet or bank app to scan the same QR code. Bank Indonesia requires merchants to support QRIS, and most gateways include it as standard.
Can I use a global payment gateway such as PayPal in Indonesia?
PayPal operates in Indonesia but is primarily used for receiving international payments. Local Indonesian consumers generally prefer domestic payment methods, so a local gateway will handle domestic checkout better.
How do Indonesian businesses handle crypto payments?
Local gateways do not support crypto, since Bappebti classifies it as a commodity rather than currency. Upay enables Indonesian users and businesses to hold and spend BTC, ETH, USDT, and USDC via Visa at 55 million-plus merchants worldwide without converting to IDR.
Is Upay regulated in Indonesia?
Upay is a global crypto card and wallet platform rather than an Indonesian payment service provider. It does not require Bank Indonesia licensing because it functions as an international Visa card backed by the user’s own crypto balance, not a local payment rail.
