Introduction: Indonesia’s Payment Landscape in 2025
Indonesia, Southeast Asia’s largest economy, is a thriving hub for fintech innovation and e-commerce growth. With over 270 million people and rising smartphone penetration, digital payments have become essential. In fact, Indonesia is one of the fastest-growing e-wallet markets globally, driven by startups, bank-backed innovations, and regulatory support from Bank Indonesia (BI).
For merchants—whether they’re running an online store, app-based service, or even high-risk ventures like gaming and forex—choosing the right payment gateway is crucial to capturing this market efficiently. The ideal provider should combine local relevance with security, scalability, and seamless integration.
Here are the top 12 payment gateways shaping Indonesia’s digital transaction ecosystem in 2025.
1. DOKU
Overview:
As one of Indonesia’s earliest and most trusted payment gateways, DOKU supports all major payment types and serves over 150,000 merchants.
Key Features:
- Accepts cards, bank transfers, QRIS, e-wallets (OVO, GoPay, Dana)
- Subscription billing
- Instant settlement options
- Mobile SDK & API for developers
Best For:
Large e-commerce players and digital service platforms
Pricing:
Custom pricing; setup and transaction fees vary by volume
2. Xendit
Overview:
Xendit is a rapidly growing payment gateway offering easy APIs and strong regional presence across Southeast Asia.
Key Features:
- Accepts cards, virtual accounts, QRIS, and e-wallets
- Instant disbursement & split payments
- Recurring billing
- Easy integration with WooCommerce, Shopify
Best For:
Startups, tech businesses, and platforms
Pricing:
Transparent pricing starts at 2.9% per transaction
3. Midtrans (Part of Gojek Group)
Overview:
Midtrans is a full-stack payment gateway built for scalability, with strong ties to the Gojek ecosystem.
Key Features:
- Cards, e-wallets, GoPay, QRIS, bank transfers
- PCI-DSS compliant
- Risk management tools
- Real-time payment status monitoring
Best For:
Large marketplaces and mobile-first services
Pricing:
Setup fee waived; transaction fee based on volume
4. NICEPAY
Overview:
NICEPAY Indonesia is part of Korea’s NICE Information Service, offering global-grade infrastructure with local compliance.
Key Features:
- Card, virtual accounts, bank transfer, e-wallets
- Recurring payments & fraud detection
- 3D Secure 2.0 support
- Developer-friendly APIs
Best For:
Subscription platforms and SaaS models
Pricing:
Custom enterprise pricing available
5. Faspay
Overview:
A local favorite for small and medium enterprises, Faspay is licensed by Bank Indonesia and supports wide payment acceptance.
Key Features:
- Cards, QRIS, VA, e-wallets
- Invoice payments via email/SMS
- Fraud monitoring
- Local support team
Best For:
SMEs and retail websites
Pricing:
Pay-per-use with low startup cost
6. DANA for Business
Overview:
While DANA is widely known as a consumer wallet, its business suite offers gateway services with seamless QRIS integration.
Key Features:
- QR code payments
- In-app checkout
- Loyalty tools and business analytics
- Large local user base
Best For:
Retailers, food businesses, and mobile-first operations
Pricing:
Transaction fees apply; QRIS-based structure
7. OY! Indonesia
Overview:
OY! started as a digital banking solution and now provides B2B payment processing, disbursements, and collections.
Key Features:
- VA, bank transfers, e-wallets
- Instant payouts
- Multi-bank API integration
- Bill collection automation
Best For:
B2B businesses and fintechs
Pricing:
Custom enterprise packages
8. iPaymu
Overview:
iPaymu is a local gateway supporting multiple payment channels with a focus on easy onboarding.
Key Features:
- Accepts bank transfers, cards, VA, e-wallets
- Prebuilt modules for WooCommerce, Magento, Joomla
- Same-day settlement
- Local customer support
Best For:
Microbusinesses and online stores
Pricing:
Free setup; 2.9%–3.9% per transaction
9. Brankas
Overview:
A leader in Open Finance, Brankas provides payment APIs that connect directly to Indonesian banks.
Key Features:
- Bank account payments (Payouts, VA, APIs)
- Open Banking integrations
- Ideal for lending, remittance, insurance tech
- Secure and compliant
Best For:
Fintechs, remittance services, insurtech
Pricing:
Enterprise pricing; custom integrations
10. Duitku
Overview:
Duitku offers fast, scalable gateway solutions for businesses of all sizes with ready plugins and APIs.
Key Features:
- VA, cards, QRIS, e-wallets
- Batch transaction and reporting tools
- Plugins for major CMS platforms
- Fraud detection tools
Best For:
SMEs, wholesalers, digital platforms
Pricing:
Minimal setup; per-transaction pricing
11. Espay
Overview:
Espay is a robust solution for enterprise and large-scale service platforms in Indonesia.
Key Features:
- Omni-channel payments
- Reconciliation & reporting suite
- Payout capabilities
- Local customer service
Best For:
Telecoms, fintech, and large retailers
Pricing:
Tailored pricing for large volumes
12. Kredivo PayLater (For Deferred Payments)
Overview:
While not a traditional payment gateway, Kredivo’s PayLater can be integrated as a checkout option for installment payments.
Key Features:
- Instant credit at checkout
- BNPL (Buy Now, Pay Later) solution
- Increases basket size and conversions
- Local market trust
Best For:
E-commerce platforms offering flexible payments
Pricing:
Merchant fees vary depending on risk and ticket size
Indonesia’s Payment Gateway Outlook for 2025
Indonesia is seeing massive growth in digital financial services driven by:
- QRIS adoption: Standardized QR payment system by Bank Indonesia
- Government-led digitization: Including Smart City and SME programs
- Open banking movement: Creating space for direct API-based payment flows
- E-wallet interoperability: Making payments more seamless across apps
Emerging players are also focusing on sectors like gaming, education, healthcare, and cross-border remittance, offering specialized solutions in compliance with BI regulations.
Choosing the Right Payment Gateway in Indonesia
Here are the critical factors to consider when selecting a payment partner:
| Factor | What to Look For |
| Integration Type | APIs, SDKs, plugins for CMS platforms |
| Payment Methods | Card, QRIS, VA, bank transfer, e-wallets |
| Local Regulations | BI registration, PCI DSS compliance, Shariah compliance |
| Customer Support | Local language, hours, and responsiveness |
| Settlement Cycle | Real-time vs daily/weekly settlements |
| Industry Fit | Some gateways specialize in gaming, SaaS, or retail |
Final Thoughts
Indonesia is a fintech hotspot, and payment gateways are the backbone of this transformation. Whether you run a small online shop or an enterprise platform, aligning with the right payment gateway will help you reduce cart abandonment, improve customer trust, and optimize revenue flow.
From local legends like DOKU and Midtrans to innovators like Xendit and Brankas, the 12 gateways covered in this guide represent the best of what Indonesia has to offer in 2025.
