Top 10 Payment Gateways in Indonesia

Payment Gateways is a payment system that can facilitate sellers and buyers to make transactions.


DOKU was the first online payment in Indonesia founded by Nabilah Alsagoff since 2007. Doku have many kinds of payment method such as credit card, debit, internet banking, transfer and e-wallet called DOKU Wallet.

Doku has collaborated with many business platform in Indonesia. Even reaching more than 800 platform. Examples : Garuda Indonesia, Bank of South Pacific, UNICEF, WWF, AirAsia, Java Jazz Production and RajaKarcis.



Midtrans was founded since 2012 as a joint venture from Japanese Payment Gateway called Veritrans Inc. Just like payment gateway in general, Midtrans have payment method such as credit card, debit, and transfer.

For e-wallet service, Midtrans have collaborated with other e-money like Mandiri e-cash, T-cash, XL Tunai and Dompetku.



Xendit was founded on 2015. Xendit have four main products offered, there are XenPayments, XenInvoice, XenDisburse, and XenCheck. XenPayments will works for business owners to accept payment by credit card, transfers, or virtual account. This product usually used for e-commerce payment, game top up, repayment of debt.



Finpay is superior product of PT Finnet Indonesia, which was launched first in 2006.The features that user will get is able to pay Credit Card VISA, MasterCard and JCB, Debit Online, Finpay Wallet, KlikPay BCA, tcash,  and etc.



Ipaymu has the same function as the payment gateway which is provided for you when making transactions using internet services for buying products. But not only for online sites, IPaymu can also help you if you want to transact online to make donations, send money, transfer, and also when you want to withdraw money.



AINO focus on developing non-cash payment system integration using e-money. AINO sector in micropayment transactions there are mass transportation, government public services, and retail.

Up until now, AINO has accepted in e-ticketing system for bus Trans Jogja, Trans Solo, Trans Jakarta, and many amusement park,Soekarno Hatta Airport Terminal 3 Ultimate parking, Surabaya Juanda Toll Road, and parking payments at the DKI Jakarta Electronic Parking Terminal



Kartuku offers transactions and subscription fee. The main goal is to grow the business. Besides of that, it is used for optimize the non-cash offline payment process easily and safely.

In the future, Kartuku will be focus for development Go-Pay by Go-Jek. Kartuku will also try to provide offline payment infrastructure for UKM merchants.



NICEPAY actually a result of a join venture between NICE Group with PT IONPay Networks which previously had a payment gateway called IONPay from South Korea. The market target NICEPay is Startup and UKM which are began to increase.

In Indonesia, NICEPay have three main features, there are Transfer Payment, Credit Card Payment, and Link Payment. While for Credit Card Payment, NICEPay guarantee security through 3D Secure Technology and PCIDSS level 1.



On February 7, 2018. Payment Gateway Company, FASPAY (PT. Media Indonusa) announces that they are officially have license from  Bank Indonesia. Faspay is payment gateway company from ASTEL GROUP on 2009. They can connect e-commerce owner and customer who want to online payment, through Virtual Account, Internet Banking, E-Money, and credit card.



WINPAY have connected 147 bank in Indonesia through features Interbank Transfer. Other than that, Winpay have complete payment method including e-money and e-wallet.

Winpay also offers multiplatform dashboard for facilitate to checking transactions online, anytime, and anywhere. With the ease of interconnection, user can use payment gateway method for all website platform as well as social media that owned by the merchants