How do people in Indonesia pay online?
E-wallets lead. In the Ecommerce Payments Momentum Report 2026 by Xendit and Cube, which surveyed 1,000 consumers in Indonesia, about 60% of respondents’ online purchases were paid with an e-wallet, and 70% of respondents used one for at least half of their transactions. Four wallets share the market without one dominant brand: GoPay, OVO, DANA and ShopeePay. The same report found that 51% of Indonesian shoppers had given up on a purchase because their preferred payment method was missing, the highest share in South-East Asia.
Bank transfers come next, at about 52% of respondents’ purchases. Online they usually run through virtual accounts: the shopper gets a unique account number at checkout and pays it from mobile banking, internet banking or an ATM, and the merchant is notified when the money arrives. Providers offer virtual accounts at BCA, BNI, BRI, Mandiri, Permata, CIMB, BSI and other banks.
QRIS, Bank Indonesia’s national QR standard, is growing fast. Bank Indonesia reported 70.6 million QRIS users and 49.4 million merchants in the third quarter of 2026, with QRIS transactions up 75.80% year on year. Digital payments as a whole, through mobile banking, internet banking and server-based e-money, reached 18.09 billion transactions in that quarter.
Cash has not gone. Cash on delivery still covered about 40% of the surveyed purchases, although 40% of respondents said they used it much less than a year earlier. Among e-commerce businesses, BPS-Statistics Indonesia found that cash, including cash on delivery, was the most common payment method received in 2024 (74.79%), ahead of bank transfer (16.61%) and e-wallets (5.92%). Shoppers who prefer cash online can also pay with a code at Alfamart or Indomaret stores. Cards and pay-later services such as Kredivo and Akulaku make up the rest.
What rules shape online payments in Indonesia?
VAT is 12%, charged on a base of 11/12 of the price, which gives an effective 11% for most goods and services; only certain luxury goods carry the full 12%. A foreign seller of digital goods or services is designated as a VAT collector (PPN PMSE) when its sales to Indonesian buyers pass IDR 600 million a year or IDR 50 million a month, or its Indonesian traffic passes 12,000 a year or 1,000 a month. It then charges the VAT, issues proof of collection, and pays and reports it each month.
Personal data falls under Law 27 of 2022 on Personal Data Protection. Its two-year transition ended on 17 October 2024, so controllers must now comply in full. A breach must be notified in writing within 72 hours to affected people and the regulator, and administrative fines can reach 2% of annual revenue.
Payments in Indonesia must be in rupiah. Bank Indonesia Regulation 17/3/PBI/2015 requires the rupiah for cash and non-cash transactions in Indonesia, so local checkouts should price and charge in IDR.
How would Omno route payments in Indonesia?
A merchant would connect once and set routing rules per method, currency and customer group. In Indonesia:
- E-wallet pay-ins would go to providers that support GoPay, OVO, DANA and ShopeePay, with the hosted checkout showing all four so shoppers find the wallet they use.
- Virtual account transfers would be issued through a provider that holds the relevant bank connections, with the order kept pending until the provider’s notification confirms the money arrived.
- QRIS payments would be routed to a provider that generates dynamic QRIS codes, so any banking or e-wallet app can pay.
- Card pay-ins can be routed by BIN, with cascading to the next provider in the rule if one is unavailable or rejects the request.
Webhooks would report the final status of every payment, and the routing-decision log would show which provider handled each payment and why.
What should merchants plan for?
Plan for several wallets, not one. No single e-wallet dominates, and missing a shopper’s preferred method is the top reason Indonesians abandon a purchase.
Plan for asynchronous payments. Virtual accounts, QRIS and retail outlet codes are completed in another app or place, so orders need a pending state and an expiry time.
Plan for VAT and the rupiah. Check whether your sales or traffic pass the PPN PMSE thresholds, and charge local customers in IDR.
Plan for data protection. Map where payment and customer data is stored and set up a 72-hour breach notification process.