Alternative Payment Methods in Indonesia
Indonesian shoppers pay with e-wallets, QR codes, and bank transfers long before they reach for a card. Offering the alternative payment methods in Indonesia they already trust is what stops you losing sales at checkout.
Supported Payment Methods
Other Methods
Reasons why you should choose EMS Global
One Dashboard for a Fragmented Market
Indonesia’s payment landscape is split across a dozen wallets and banks. Instead of managing separate contracts and dashboards for each, everything routes through a single connection on our end.
Faster Time to Market
Merchants working directly with individual Indonesian providers often wait weeks per integration. Bundling them together shortens that timeline considerably.
Fraud Screening Built for Local Behavior
Risk rules are calibrated to how Indonesian transactions actually look, catching abnormal patterns without blocking legitimate QRIS and e-wallet payments.
Pricing You Can See Upfront
Rates and fees are shared before you sign, so nothing shifts once volume picks up.
Structured for Bank Indonesia Compliance
Every flow is built to satisfy local financial oversight, so you’re not left reworking checkout after the fact.
A Specialist Who Knows the Market
Onboarding is handled by someone familiar with Indonesian payment behavior, not a ticket queue that treats every country the same.
Three Steps to Going Live in Indonesia
A straightforward path from your first call with us to accepting alternative payment methods in Indonesia on your live checkout.
Tell Us About Your Business
Share your industry, order sizes, and target customer so we can recommend the right combination of local payment rails.
We Configure and Test Everything
QRIS, e-wallets, Virtual Accounts, and store payments are built into your checkout and tested end-to-end before launch.
Go Live and Get Paid
Your checkout switches on and Indonesian customers start paying through the apps and methods they use every single day.
Payment Methods Indonesian Shoppers Reach For First
QRIS QR Payments
One national QR standard that connects every major wallet and bank app, letting customers scan and pay in seconds from whichever app they already have open.
GoPay, OVO & DANA E-Wallets
The three e-wallets Indonesians use daily for shopping, rides, and food delivery, giving your checkout instant familiarity with millions of mobile-first buyers.
ShopeePay Checkout
A wallet deeply tied to online shopping habits, popular with customers who want fast checkout and cashback on everyday purchases.
Bank Virtual Accounts
Unique, auto-verified account numbers from BCA, BNI, BRI, and Mandiri that confirm payment instantly, without manual reconciliation on your end.
Meet Indonesian Customers Where They Already Pay
Tell us about your business and we’ll map out the alternative payment methods in Indonesia best suited to how your customers actually shop.
Everything About Alternative Payment Methods in Indonesia
Everything You Need to Know Before Starting
Do I need to register a local business entity to sell in Indonesia?
No. Most merchants operate through a cross-border setup and never need to incorporate locally to accept these payment methods.
What happens if a customer's e-wallet or QRIS payment fails mid-transaction?
Failed attempts are flagged automatically so the order isn’t marked paid, and the customer is prompted to retry without duplicate charges.
Which types of businesses see the biggest gains from adding local payment options?
E-commerce, subscriptions, and travel see the sharpest jump, though any business selling to Indonesian consumers online benefits from moving off card-only checkout.
How long does full setup usually take from signing to launch?
Most merchants are live within a week, assuming required documents are submitted at the start of onboarding.
Can I settle funds in Rupiah, or does it have to convert automatically?
Either works. You can hold settlement in Indonesian Rupiah or convert to another currency your business already operates in.
Are recurring charges supported for subscription or installment billing?
Yes, through recurring Virtual Account authorizations and select wallet and PayLater integrations built for repeat billing.