What is the most popular payment method in Indonesia?
E-wallets and QRIS. About 60% of online purchases are paid by e-wallet according to the Xendit and Cube 2026 report, and QRIS counted 70.6 million users and 49.4 million merchants in Q3 2026. Bank transfers by virtual account and cash on delivery follow.
In detail
E-wallets and QRIS, the national QR code standard. About 60% of Indonesian online purchases were paid by e-wallet in the Xendit and Cube 2026 report, and QRIS counted 70.6 million users and 49.4 million merchants in Q3 2026. Every wallet and banking app can scan any QRIS code, so a street vendor and a mall store accept the same code.
The rest of the checkout
- Bank transfers by virtual account, a unique account number per order, used for about 52% of online purchases.
- Cash on delivery, still about 40% of online purchases.
- Cash payment codes at Indomaret and Alfamart.
- Paylater from providers such as Kredivo and SPayLater.
- Cards, smaller than in Europe, processed domestically under the National Payment Gateway.
Shoppers use several methods, and 51% had abandoned a purchase in the past three months because their preferred method was missing.
What it means for payment operators
A checkout without QRIS, e-wallets and virtual accounts misses most Indonesian buyers. Operators serving merchants in Indonesia need local providers for each, plus cash codes and paylater. Connecting them once and activating the right mix per merchant shortens launches in the country.