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Payment methods in Indonesia. Where most people pay without a card.

Customers pay by QRIS or by virtual account. Payouts go out over BI-Fast, standard bank transfer or e-wallet. All of it runs in IDR, on the same integration as your Card Processing.

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Issuing banks

  • Bank Mandiri
  • Bank BRI
  • Bank Central Asia (BCA)
  • Bank Negara Indonesia (BNI)
  • PermataBank
  • CIMB Niaga
  • < 1 in 10

    consumers hold a credit card, so a card-only checkout misses most of the market.

  • 1

    national QR standard: one QRIS code takes payment from the major banks and wallet apps.

  • 24/7

    real-time interbank payouts over BI-Fast.

Payments across Indonesia · illustrativeIllustrative payments across Indonesia: a QRIS payment of Rp 85.000 in Jakarta, paid; a virtual-account payment of Rp 1.250.000 in Surabaya, paid; a BI-Fast payout of Rp 2.400.000 in Medan, paid; and an e-wallet payout of Rp 350.000 in Makassar, processing.

How money moves in Indonesia. Two ways in, three ways out, each on our own connection to its operator.

Pay-in

QRIS. The national QR standard: customers scan and confirm in the bank or wallet app they already use.

QR code payment · IDR

Illustrative: a QRIS payment of Rp 1.250.000 on the customer's phone, ready to pay from any QRIS app.

Virtual accounts. A bank account number issued for each payment, so every transfer arrives already matched.

Bank transfer · IDR

Illustrative: a virtual account at Bank Central Asia (BCA) issued for one payment of Rp 1.250.000, awaiting the customer's transfer.

Pay-out

BI-Fast
Bank Indonesia's real-time interbank network, open around the clock.
Non BI-Fast
Standard interbank transfer, for banks outside BI-Fast.
E-Wallet
Straight to the wallets people keep their everyday balance in.

FAQ

QRIS, the Quick Response Code Indonesian Standard, is Bank Indonesia's national QR standard, introduced in 2019. One code takes payment from every participating bank and wallet app: the customer scans, confirms in the app they already use, and the payment completes in IDR.

Each payment gets its own bank-issued account number. The customer transfers to it from their own bank, and because the number identifies the payment, it arrives already matched to the order.

BI-Fast payouts arrive in near real time, around the clock, at participating banks. Standard bank transfers follow conventional clearing times, and e-wallet payouts go straight to the customer's wallet.

Yes. Visa, Mastercard, Apple Pay and Google Pay run on the same integration as QRIS and virtual accounts, under one commercial relationship.

Sell in Indonesia the way Indonesia pays.

QRIS and virtual accounts to collect, BI-Fast and e-wallets to pay out, and Card Processing alongside, all on one integration.

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Indonesia · at a glance

Pay-in
QRIS · Virtual Accounts
Pay-out
BI-Fast · Non BI-Fast · E-Wallet
Currency
IDR
Cards
Visa, Mastercard and wallets