How people pay in Indonesia in 2026
Indonesia has moved from cash to phones in a few years, and a national QR code drives the shift. Bank Indonesia counted 18.09 billion digital payment transactions in the third quarter of 2026, up 39.24% year on year. QRIS, the national QR standard, grew 75.80% over the same period and now serves 70.6 million users and 49.4 million merchants. Every e-wallet and banking app can scan any QRIS code, so a street vendor and a mall store accept the same code.
Online, shoppers mix e-wallets, bank virtual accounts and cash. In the Xendit and Cube Ecommerce Payments Momentum Report 2026, about 60% of Indonesian purchases were paid by e-wallet, 52% by bank transfer and 40% by cash on delivery, and 51% of consumers had abandoned a purchase in the past three months because their preferred method was missing. Cards play a smaller role than in Europe, and paylater is booming under OJK supervision. For merchants and their payment providers, a checkout without QRIS, e-wallets and virtual accounts misses most Indonesian buyers.
- 18.09 billion digital payment transactions in Q3 2026 (Bank Indonesia)
- 70.6 million QRIS users and 49.4 million QRIS merchants in Q3 2026 (Bank Indonesia)
- 1.63 billion BI-FAST retail transfers in Q3 2026 (Bank Indonesia)
- 33.5 million bank BNPL accounts in July 2026 (OJK)
Payment by card in Indonesia
Indonesia has a domestic card switch. Under the Gerbang Pembayaran Nasional (GPN), the National Payment Gateway, domestic transactions with cards issued in Indonesia must be processed domestically, through four switching companies, with a debit card merchant discount rate capped at 1% off-us. Debit cards are everywhere: the payment system association ASPI counted 328.16 million ATM and debit cards at the end of Q2 2026. Most of their use is cash withdrawals, and debit card transaction value slipped 1.09% year on year to Rp1,842 trillion in the quarter as QRIS took over everyday payments.
Credit cards remain a niche. Bank Indonesia statistics show 18.09 million credit cards in June 2026, fewer than a year earlier, though spending rose 13.29% to Rp43.74 trillion that month. Visa and Mastercard brand most credit cards and many debit cards, and they matter for cross-border and tourist spending. Bank Indonesia launched the retail Kartu Kredit Indonesia, a domestic credit card processed through GPN, on August 17, 2026. Card pricing still turns on interchange fees and on knowing how card networks work.
Card schemes in Indonesia
GPN debit cards
Domestic debit scheme
Debit cards carrying the national GPN logo, issued by Indonesian banks and processed by domestic switches for ATM, POS and online payments at local merchants.
328.16 million ATM and debit cards in circulation at the end of Q2 2026 (all brands), ASPI via Databoks
Visa
International scheme
Visa brands credit cards and co-badged debit cards from major banks, such as the Mandiri Debit Visa range, used for online, cross-border and travel spending.
Mastercard
International scheme
The second international brand on Indonesian credit and debit cards, accepted at card terminals and by international online merchants.
Kartu Kredit Indonesia
Domestic credit card
The retail version of the national credit card, launched by Bank Indonesia on August 17, 2026 and processed through GPN. Eight banks issue it as a digital card in banking and wallet apps, first for QRIS payments.
32,457 cards issued in the first month after launch, about 8,000 active, September 2026, Bank Indonesia via Kontan
Credit cards
Credit card
Bank-issued credit cards are held by a small, mostly urban share of the population and are popular for installment promotions at large retailers and online marketplaces.
18.09 million credit cards in circulation in June 2026, Bank Indonesia SPIP via Kontan
Payment by cash in Indonesia
Cash is losing ground at the counter but not disappearing. Currency in circulation grew 11.77% year on year to Rp1,341 trillion in Q3 2026, according to Bank Indonesia, and most debit card use is still ATM withdrawals. In e-commerce, cash is the default for many small sellers: in BPS data for 2024, 74.79% of e-commerce businesses said cash or cash on delivery was their most used payment method, far ahead of transfers and e-wallets.
Consumers are slowly moving away from it. The Xendit and Cube 2026 report finds that cash on delivery still covers about 40% of Indonesian online purchases, while 40% of respondents say they use it much less than a year ago. Convenience stores are the other cash channel. Shoppers pick a payment code at checkout and pay it at the till of Indomaret or Alfamart, two chains with 24,351 and 21,442 stores at the end of June 2026. The same counters also take e-wallet top-ups and bill payments.
Cash payment methods in Indonesia
Cash
Banknotes and coins
Rupiah banknotes and coins remain common for small purchases, in traditional markets and in rural areas, even as QRIS spreads.
Rp1,341 trillion currency in circulation in Q3 2026, up 11.77% year on year, Bank Indonesia
Cash on delivery
Cash on delivery
Paying the courier on delivery is offered by marketplaces and logistics firms and remains a trust tool for first-time and lower-income buyers.
40% approximate share of Indonesian online purchases paid by COD, 2026 survey, Xendit and Cube via Fortune Indonesia
Indomaret
Convenience store payment
Indonesia's largest minimarket chain, where shoppers pay online orders, bills and e-wallet top-ups in cash with a payment code at the counter.
24,351 Indomaret stores at the end of June 2026, Databoks
Alfamart
Convenience store payment
The second minimarket network, run by Sumber Alfaria Trijaya, accepting cash payments for online orders and bills through payment codes.
21,442 Alfamart stores in Indonesia at the end of June 2026, Katadata
Payment by bank transfer in Indonesia
Bank transfers are a core online payment method in Indonesia, and the virtual account is their checkout form. A virtual account is a unique account number generated for each order at banks such as BCA, Mandiri, BNI and BRI. The shopper pays it from mobile banking, internet banking or an ATM, and the merchant gets an automatic confirmation. Payment providers such as Xendit connect merchants to virtual accounts at ten banks. In the Xendit and Cube 2026 report, bank transfer covered an estimated 52% of Indonesian online purchases.
Underneath, Bank Indonesia runs BI-FAST, its 24/7 instant payment system. It processed 1.63 billion retail transactions worth Rp4,049 trillion in Q3 2026, up 31.78% year on year. Transfers go up to Rp250 million, with a maximum customer fee of Rp2,500, and BI-FAST also supports request for payment and direct debit services. Bank Indonesia's Payment System Blueprint 2030 keeps retail infrastructure at the top of its agenda. Our guide to account-to-account payments explains why these rails matter for merchants.
Bank transfer methods in Indonesia
BI-FAST
Instant payment
Bank Indonesia's real-time retail transfer system, open around the clock, used for account and proxy transfers, bulk payments, request for payment and direct debit.
1.63 billion retail transactions worth Rp4,049 trillion in Q3 2026, up 31.78% year on year, Bank Indonesia
BCA Virtual Account
Virtual account
Bank Central Asia's virtual account numbers, paid through BCA mobile, KlikBCA or ATMs, are a standard option on Indonesian checkouts given BCA's large retail customer base.
Mandiri Virtual Account
Virtual account
Bank Mandiri's virtual accounts let shoppers pay orders and bills from the Livin' by Mandiri app, internet banking or ATMs, with automatic reconciliation for the merchant.
BNI Virtual Account
Virtual account
State-owned BNI's virtual account service, paid from BNI's mobile banking or ATMs and widely offered by marketplaces and payment gateways.
BRIVA
Virtual account
BRI's virtual account (BRIVA), important for reaching customers of Indonesia's largest bank by branch network, including in rural areas.
Payment by installment and BNPL in Indonesia
Paylater is one of the fastest growing ways to pay in Indonesia, and the regulator now tracks it closely. OJK data show bank BNPL outstanding of Rp31.56 trillion across 33.50 million accounts in July 2026, up 31.22% year on year. BNPL from finance companies grew faster, up 54.65% to Rp13.62 trillion, with gross non-performing financing at 3.03%. Our buy now, pay later explainer covers the model.
Fintech lenders lead the market. Kredivo says it held about 30% of national paylater outstanding in February 2026. Ecosystem players follow: SPayLater on Shopee, GoPay Later in the GoPay app, Akulaku PayLater and Indodana PayLater. A distinctive local feature is that paylater balances can be spent at physical stores by scanning QRIS, so BNPL is no longer limited to online checkouts. Credit card installments at 0% remain common for large purchases, especially electronics.
Installment and BNPL providers in Indonesia
Kredivo
BNPL
Paylater and personal loans from PT Kredivo Finance Indonesia, licensed by OJK, accepted at major marketplaces, online merchants and via QRIS.
30% approximate share of national paylater outstanding, February 2026, company report, Fortune Indonesia
SPayLater
Marketplace BNPL
Shopee's paylater, provided by PT Commerce Finance under OJK supervision, usable at Shopee checkout, in the ShopeePay app and for offline QRIS payments.
GoPay Later
Wallet BNPL
GoTo's paylater inside the GoPay app, usable on Gojek, Tokopedia and at QRIS merchants.
Rp11.0 trillion GoTo fintech loans outstanding in Q2 2026, all GoPay lending products, up 58% year on year, GoTo
Akulaku PayLater
BNPL
Paylater and installment financing from Akulaku Finance Indonesia, sold online and at partner retailers, which reported double-digit financing growth in 2025.
Indodana PayLater
BNPL
Paylater from PT Indodana Multi Finance, used at online and offline partner merchants, whose outstanding financing kept growing through December 2025.
Payment by digital wallet and X-Pay in Indonesia
In Indonesia, the wallet market runs on local apps rather than Apple Pay or Google Pay, and QRIS ties them together. Any wallet or banking app can pay any QRIS code. In the first half of 2026, QRIS processed 12.55 billion transactions worth Rp1.12 quadrillion, up 93.92% year on year, and from October 1, 2026 the merchant fee is 0% for all merchants on payments up to Rp100,000. QRIS also works abroad: cross-border QRIS links Indonesia with Thailand, Malaysia, Singapore, Japan, South Korea and China. QRIS Tap adds NFC payments on Android phones, while iPhone access was still under discussion with Apple in 2026.
GoPay, OVO, DANA, ShopeePay and LinkAja lead the wallet market. GoTo's fintech arm counted 28.8 million monthly transacting users in Q2 2026, and DANA reported 200 million registered accounts at the end of 2024. Our explainers on X-Pay and QR code payments in Asia give more context.
Digital wallets and X-Pay in Indonesia
QRIS
National QR standard
Bank Indonesia's interoperable QR code, accepted by every wallet and banking app, with QRIS Tap for NFC payments and cross-border links with six Asian countries.
70.6 million QRIS users and 49.4 million merchants in Q3 2026, Bank Indonesia
GoPay
Super-app wallet
GoTo's wallet, built into Gojek and Tokopedia and available as a standalone app, used for QRIS, online payments, transfers, savings and paylater.
28.8 million fintech monthly transacting users in Q2 2026, 2.4 billion transactions, GoTo
OVO
QR wallet
Wallet tied to Grab's services in Indonesia, accepted at more than 3 million QRIS merchants, mostly small businesses, according to Bisnis.com.
61% growth of OVO QRIS transactions in 2025, Bisnis.com
DANA
QR wallet
Independent wallet run by PT Espay Debit Indonesia Koe, used for QRIS, bills, transfers and online payments at major merchants.
200 million registered accounts at the end of 2024, not unique users, Bisnis.com
ShopeePay
Marketplace wallet
Shopee's wallet, run by PT AirPay International Indonesia, used at Shopee checkout and at QRIS merchants, with SPayLater as a linked payment option.
LinkAja
State-backed wallet
Wallet backed by state-owned companies, used for transport, fuel, bills and QRIS payments, and offering a sharia version.
92 million+ registered users and more than 2.5 million merchants, H1 2026, Kontan
Payments in Indonesia: FAQ
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.
What is QRIS?
QRIS is Bank Indonesia's national QR code standard. One code accepts payments from every wallet and banking app, and it processed 12.55 billion transactions in the first half of 2026. Since October 1, 2026, merchants pay no fee on QRIS payments up to Rp100,000.
Do Indonesians still pay in cash?
Yes, especially offline and for cash on delivery. In BPS data for 2024, 74.79% of e-commerce businesses named cash or COD as their most used method. Shoppers can also pay online orders in cash at Indomaret and Alfamart stores.
Is paylater regulated in Indonesia?
Yes. Banks and finance companies offering paylater are supervised by OJK, which reported Rp31.56 trillion of bank BNPL and Rp13.62 trillion of finance company BNPL outstanding in July 2026. Kredivo, SPayLater, GoPay Later, Akulaku and Indodana are the main brands.
Accept local payments in Indonesia with NORBr
In Indonesia, online merchants usually use a licensed gateway such as Xendit, Midtrans, DOKU or Faspay. A PSP, PayFac, ISO or ISV should check the Bank Indonesia license, virtual account banks, QRIS and e-wallets, and rupiah settlement speed.
With NORBr, you can connect any acquirer, PSP or local provider that offers QRIS, e-wallets such as GoPay, OVO, DANA and ShopeePay, bank virtual accounts and paylater options such as Kredivo. Some are already in our connector catalog; Mapper™ gets the others live in days, and Smart Checkout shows each shopper the right methods. Explore the other #PayWorldTour guides.
Local payment providers in Indonesia
Xendit
Payment gateway
Jakarta-based payment gateway serving startups, marketplaces and enterprises in Indonesia and Southeast Asia with collections, recurring payments and disbursements.
Covers: Cards, Virtual accounts (BCA, Mandiri, BNI, BRI), QRIS, OVO, DANA, ShopeePay, LinkAja, Alfamart, Indomaret, Kredivo, Akulaku PayLater
Midtrans
Payment gateway
Payment gateway of the GoTo group, widely used by Indonesian e-commerce and digital businesses and tightly integrated with GoPay.
Covers: Cards, Virtual accounts, QRIS, GoPay, ShopeePay, Indomaret, Alfamart, Kredivo, Akulaku PayLater
DOKU
PSP
One of Indonesia's earliest payment gateways, founded in 2007, offering online and in-person acceptance, e-wallet and disbursement services to merchants of all sizes.
Covers: Cards, Virtual accounts, QRIS, OVO, DANA, ShopeePay, Alfamart, Indomaret, Kredivo, Akulaku PayLater
Faspay
Aggregator
Payment aggregator run by PT Media Indonusa, connecting Indonesian merchants to bank channels, retail outlets and e-wallets through one integration.
Covers: Cards, Virtual accounts, QRIS, OVO, ShopeePay, LinkAja, Alfamart, Indomaret
