apayPayments in Indonesia · IDR
Accept payments in Indonesia
Virtual accounts, QRIS, e-wallets, cards and convenience-store cash for Indonesia, the market where bank transfer is the default way to pay.
Payment methods your customers use
One checkout shows the right methods for Indonesia. Add or remove methods per processor in the dashboard; nothing changes in your code.
| Method | Type | In the checkout |
|---|---|---|
| Virtual accounts (BCA, Mandiri, BNI, BRI, Permata, CIMB) | bank transfer | Per-order account number, confirmed by webhook |
| QRIS | QR payment | One QR for every bank and wallet app |
| OVO, DANA, GoPay, ShopeePay, LinkAja | e-wallet | Redirect or QR |
| Visa, Mastercard, JCB | card | Card form with 3-D Secure |
| Alfamart, Indomaret | cash | Payment code paid in store |
| Kredivo, Akulaku | buy now, pay later | Redirect |
Processors and partners
Routed by apay for Indonesia:
XenditFiuu
Indonesian virtual-account issuing banks are in discussion for direct collection accounts and payouts.
What to know
- Currency IDR, no minor unit in practice; apay accepts whole rupiah.
- Virtual accounts and QRIS are the default; cards are a minority.
- Expiring virtual accounts per order keep reconciliation simple.
- Settlement typically T+1 to T+3 by method.
Questions
Can I issue a virtual account per order?
Yes. Each payment gets its own account number with an expiry, and apay tells your server when the transfer lands.
Is QRIS supported?
Yes, through the Indonesian processors apay connects to.
Do you handle payouts in Indonesia?
Yes, disbursements to Indonesian bank accounts and wallets are available through the same partners.
Sandbox is free and live now. Test cards succeed, decline and trigger 3-D Secure like production, and every event reaches your webhook. Start the quickstart or talk to us about Indonesia.