🇮🇩Indonesia

Payment gateways for Indonesia.

GoPay/OVO/DANA wallets + ATM Bersama bank transfer + COD dominate. Card penetration is low.

4 gateways available1 native to Indonesia

Where are most of your buyers? *

🇮🇩 Indonesia — what you need to know

GoPay/OVO/DANA wallets + ATM Bersama bank transfer + COD dominate. Card penetration is low.

Popular methods here: Bank transfer · Local wallets · Cash on Delivery · Credit / Debit Cards

Filter by platform (optional)

Must support these methods (optional)

🇮🇩 4 gateways in Indonesia

Native-in-country gateways first

Xendit

Native

HQ Jakarta, Indonesia

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SEA merchants — native wallet + bank transfer support for ID/PH/MY/TH

Domestic cards2.9% + IDR 3,000 (Indonesia)

Local methodsBank transfer IDR 4,440 flat · GoPay/OVO 2%

Settlement: T+2 business days

Supports

Credit / Debit CardsBank transferLocal walletsCash on Delivery

Integrates with

Shopify WooCommerce Magento (Adobe Commerce)

2C2P

HQ Singapore

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Multi-country SEA merchants wanting one gateway for Thailand/Malaysia/Indonesia/etc.

Domestic cards2.5-3% + fixed depending on market

Local methodsWallets + bank transfers negotiated per country

Settlement: T+2 to T+7 depending on method

Supports

Credit / Debit CardsBank transferLocal walletsCash on Delivery

Integrates with

Shopify Magento (Adobe Commerce)WooCommerce

dLocal

HQ Montevideo, Uruguay

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Global merchants wanting ONE gateway for all emerging markets (LatAm + Africa + South Asia)

Domestic cards~3% (Brazil) · varies by country

Local methodsPix 1% · Boleto 3% + fixed · OXXO 3.5%

ExtraSettlement FX conversion: ~2-3% if settling to USD

Settlement: T+3 to T+7 (settlement in USD available)

Supports

Credit / Debit CardsPixBoleto BancárioOXXOBank transferLocal wallets

Integrates with

Shopify BigCommerce Magento (Adobe Commerce)

Good to know

Settlement in USD simplifies cash management for non-local businesses.

Adyen

HQ Amsterdam, Netherlands

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Enterprise + global merchants needing interchange-plus pricing at scale

Domestic cardsInterchange++ model: ~0.6% + €0.10 (EU) · ~2.9% (US) — negotiable at volume

Local methodsiDEAL €0.10 · SEPA €0.13 · Alipay 1.2%

ExtraMonthly platform fee $0-500 depending on volume

Settlement: Daily to T+2

Supports

Credit / Debit CardsInternational cardsApple PayGoogle PayKlarna (BNPL)Afterpay / Clearpay (BNPL)SEPA Direct DebitiDEALSofort / Klarna Pay NowBancontactAlipayWeChat PayPixBoleto BancárioOXXO

Integrates with

Shopify BigCommerce Magento (Adobe Commerce)PrestaShop

Good to know

Not for small merchants — pricing benefits kick in above ~$100k/mo GMV.

Negotiate better rates — at volume, list prices are opening offers.

Above $50k/month in processing volume, every gateway negotiates. Book a call and I'll walk through which gateways to approach, what to ask for, and the ranges to target based on 500+ merchant negotiations.

Book a call · $29

How this data is sourced + kept fresh

Rates, payment method availability, and country coverage are compiled from published rate cards as of 2026, cross-checked against what our clients actually pay. We refresh quarterly.

Rates are typical published figures. Your actual rate depends on volume, business category, and negotiation. Above $50k/month in GMV, expect 20-40% below list prices.

Not affiliate. We don't earn commission for gateway signups. Rankings are based on country-fit + payment method coverage, not sponsorship.

Questions about Indonesia

People ask us these a lot.

What's the best payment gateway for Indonesia ecommerce?+

For Indonesia, the native gateways are typically your best starting point: Xendit. They have the strongest integrations with local payment methods (Bank transfer, Local wallets, Cash on Delivery) and fastest onboarding for local merchants. Cross-border merchants often layer a global gateway like Stripe on top for international card acceptance.

Which payment methods do Indonesia buyers expect at checkout?+

GoPay/OVO/DANA wallets + ATM Bersama bank transfer + COD dominate. Card penetration is low.

How many gateways support Indonesia?+

We track 4 major payment gateways available in Indonesia: Adyen, Xendit, 2C2P, dLocal. Use the tool above to filter by your platform (Shopify, WooCommerce, etc.) or by specific payment methods you must support.

Do international cards work in Indonesia?+

Most gateways available in Indonesia support international cards, but at higher rates — typically 1-1.5% above domestic. For cross-border revenue above 30% of your mix, pick a gateway with good international card handling (Stripe, Adyen, PayPal are strongest).

Navigating Indonesia payments feels complex — because it is.

Book a 30-minute call and I'll walk through the gateway picks, platform integration, and negotiation approach specific to your Indonesia business.

Book a call · $29