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Indonesia Payment Methods

Indonesia is one of Southeast Asia's largest digital payments markets: over 270 million people, and most of them pay without a card. Local methods are the primary collection channel — QRIS for scan-and-confirm payments, virtual accounts for e-commerce settlement — and for payouts, BI-Fast provides real-time interbank transfer across participating banks. A checkout that presents those instruments, in IDR, is how this market converts.

  • < 1 in 10

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

  • 1

    national QR standard. QRIS spans the market's major banks and wallet apps — one code accepts them all.

  • 24/7

    BI-Fast settles interbank payouts in real time, around the clock.

Pay-In Methods

MethodTypeTransaction CurrencyNotes
QRISQR Code PaymentIDRThe national QR standard since 2019. Buyers scan at checkout and confirm in the bank or wallet app they already use; payment completes on the spot.
Virtual AccountsBank TransferIDREach buyer transfers to a bank-issued account number unique to their payment, so funds arrive pre-reconciled — the standard for Indonesian e-commerce settlement.
BCABank TransferIDRDirect transfers for customers of BCA, Indonesia's largest private bank.

Virtual accounts issued by

  • Bank Mandiri
  • Bank BRI
  • Bank Central Asia (BCA)
  • Bank Negara Indonesia (BNI)
  • PermataBank
  • CIMB Niaga

Pay-Out Channels

ChannelTypeCurrencyNotes
BI-FastBank TransferIDRBank Indonesia's real-time interbank transfer network, operating 24/7 across participating banks.
Non BI-FastBank TransferIDRStandard interbank transfer over conventional clearing rails — reaches banks outside the BI-Fast network.
E-WalletDigital WalletIDRDisbursement direct to the consumer e-wallets Indonesians hold their day-to-day balances in.

Direct integration

One integration, both directions

QRIS and virtual accounts collect; BI-Fast, Non BI-Fast, and e-wallet channels disburse. Every rail connects directly to its operator, reached through one integration — no aggregator in the path.

QRISVirtual AccountsBCABI-FastNon BI-FastE-WalletViantaPAY-INPAY-OUT

Merchant categories

Who this is for

Built for operator-class merchants in high-volume, often high-risk verticals. Four profiles — one integration behind every one.

  • FX/CFD / Derivatives Brokers
  • iGaming Operators
  • Prediction Markets
  • eCommerce

One integration to enter new markets, improve your commercials, and tidy reconciliation.

Included in every account

  • Local payment methods
  • Card processing
  • One integration
  • In-house fraud controls
  • Per-cycle itemisation

FAQ

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

The buyer receives a bank-issued virtual account number unique to their payment and completes a standard transfer from their own bank. Because the number identifies the payment, funds arrive pre-reconciled — no manual matching on your side.

Payouts over BI-Fast settle in near real time, 24/7, across participating banks. Channels outside BI-Fast follow conventional clearing times, and e-wallet disbursement reaches consumer wallets directly.

Yes. Visa, Mastercard, Apple Pay, and Google Pay run in the same account, under the same agreement and integration as Indonesian local methods.

Add Indonesia to your account

QRIS and virtual accounts for pay-in, BI-Fast for real-time payouts, and card processing — under one integration.

Apply for a Merchant AccountContact Us

Indonesia · at a glance

Pay-in
QRIS · Virtual Accounts · BCA
Pay-out
BI-Fast · Non BI-Fast · E-Wallet
Currency
IDR
Cards
Worldwide