Midtrans Payment Gateway Indonesia: Fees, Features, and Honest Comparison

Rp 4,000 per bank transfer. 2% for direct GoPay. Those are Midtrans’s headline fees in Indonesia.

What Does Midtrans Charge Per Transaction in Indonesia?

Midtrans is a Bank Indonesia-licensed payment gateway that charges Rp 4,000 per bank transfer / virtual account transaction, 2.90% + Rp 2,000 per card transaction, and 0.70% for QRIS, per Midtrans’s official pricing page. GoPay direct integration costs 2.00% per transaction. All fees exclude 11% VAT. Standard settlement is H+2 (2 business days).

The headline numbers are straightforward. The detail that matters: Midtrans offers direct GoPay integration at 2.00%, while also supporting QRIS at 0.70% — which also covers GoPay via the Bank Indonesia QR standard. Sellers with high GoPay volume often prefer the direct integration for the app-to-app checkout redirect.

Here is the complete fee comparison between Midtrans and Xendit, the two most widely-used payment gateways among Indonesian ecommerce sellers. Fees verified May 2026 from each provider’s official pricing pages.

*QRIS 0.70% is inclusive of 11% VAT per Bank Indonesia regulation. All other fees exclude VAT.
†Xendit OVO: 1.50% for retail merchants; up to 3.18% for foreign digital content merchants.
‡Xendit DANA: 1.50% for PIN-authenticated transactions; 3.00% for non-PIN / recurring.
Fees sourced from midtrans.com/pricing and xendit.co/en-id/pricing. Verified May 2026.

The comparison shows where Midtrans has measurable advantages: Indomaret (Rp 5,000 vs Xendit’s Rp 5,500), Kredivo (2.00% vs 2.30%), and direct GoPay at 2.00% versus Xendit’s QRIS-only routing. The core bank transfer and card fees are identical across both platforms.

What Payment Methods Does Midtrans Support in Indonesia?

Midtrans supports 25+ payment methods in Indonesia through a single integration, covering all major e-wallets (GoPay, OVO, DANA, ShopeePay), virtual accounts at 12 banks, QRIS, cash payments at Indomaret and Alfamart Group, direct debit, and PayLater providers including Akulaku and Kredivo, per Midtrans’s official payments page.

Indonesian buyers pay in predictable ways. Bank transfer via virtual account dominates ecommerce volume. GoPay and other e-wallets are the second most common method, particularly for mobile-first shoppers. Cards account for a smaller share but carry higher average order values.

Midtrans covers every meaningful payment type:

E-wallets (Midtrans rates, per midtrans.com/pricing):

• GoPay direct: 2.00% (app-to-app redirect at checkout)
• OVO: 1.50%
• DANA: 1.50%
• ShopeePay: 2.00%
• QRIS: 0.70% — accepts GoPay, OVO, BRI Mobile, and all Bank Indonesia-compliant wallets via one QR code

Virtual accounts / bank transfer (Rp 4,000 per transaction): BCA, BNI, BRI, Mandiri, Permata, CIMB, Danamon, BSI, SeaBank, ATM Bersama, Alto, and Prima networks.

PayLater / BNPL through Midtrans:

• Akulaku PayLater: 1.70%
• Kredivo: 2.00%

One note on QRIS and GoPay: both routes work. QRIS at 0.70% (VAT-inclusive) is cheaper, and GoPay users can pay through the QRIS QR code. The direct GoPay integration at 2.00% triggers the GoPay app directly at checkout — preferred by sellers whose buyers strongly identify with the GoPay brand and expect the familiar in-app redirect flow.

How Does Midtrans Compare to Xendit for Indonesian Ecommerce?

Midtrans and Xendit charge identical fees for bank transfer (Rp 4,000) and card (2.90% + Rp 2,000), the two methods that drive the majority of Indonesian ecommerce volume. Midtrans leads on direct GoPay integration, GoTo ecosystem alignment, and lower Kredivo fees (2.00% vs Xendit’s 2.30%). Xendit leads on early settlement options and cross-border payouts.

For most independent ecommerce sellers in Indonesia, the fee math is nearly identical across both platforms. The decision is operational.

Where Midtrans has the edge:

Direct GoPay integration. Midtrans offers a native GoPay connection at 2.00% per transaction that triggers an app-to-app redirect at checkout. Xendit routes GoPay through QRIS at 0.70% — technically cheaper, but the checkout UX differs. Sellers whose buyers expect a direct GoPay redirect, particularly those targeting heavy GoTo ecosystem users, often prefer Midtrans for this workflow.

GoTo/Gojek ecosystem fit. Midtrans is a subsidiary of GoTo Group, the merged Gojek-Tokopedia entity. This gives Midtrans native integration within Indonesia’s largest technology ecosystem. For sellers whose customers are heavy Gojek app users, this alignment translates to smoother GoPay settlement and ecosystem familiarity.

Lower BNPL fees. Midtrans charges 2.00% for Kredivo versus Xendit’s 2.30%. At volume, that 0.30% difference adds up — on Rp 100 million monthly Kredivo GMV, Midtrans costs Rp 300,000 per month less than Xendit on that method alone.

Established Indonesian merchant base. Midtrans has operated in Indonesia since its founding and processes payments for many of Indonesia’s established ecommerce platforms. Its Indonesian seller community, documentation resources in Bahasa Indonesia, and local support are extensive.

Where Xendit has the edge:

Early settlement. Xendit offers faster settlement options for eligible merchants — verify current terms at xendit.co/en-id/pricing. Midtrans does not publish a comparable early settlement option. For sellers restocking inventory frequently, faster settlement directly reduces working capital strain.

API documentation quality. Xendit’s REST API documentation is widely considered clearer among Indonesian developers. For teams building custom checkout flows, Xendit’s documentation reduces integration friction.

Cross-border payouts. Xendit supports multi-currency collection and cross-border disbursements — relevant if you have suppliers or partners outside Indonesia. Midtrans is Indonesia-focused.

Processing high monthly volume? Both platforms offer negotiated enterprise rates — contact their sales teams directly. Compare all Indonesian gateway options before committing — see the best payment gateways for Indonesian ecommerce.

How Long Does Midtrans Take to Settle Funds?

Midtrans settles funds at H+2 — funds reach your registered bank account 2 business days after a successful transaction, per standard Indonesian payment gateway settlement terms. BNPL providers (Akulaku, Kredivo) settle at H+3 to H+5, driven by the BNPL provider’s own settlement cycle, not Midtrans.

Settlement speed is a cash flow decision. A seller processing Rp 50 million per week on H+2 settlement has roughly Rp 100 million in in-flight funds at any time — collected but not yet in your bank account.

Settlement by payment method on Midtrans:

The PayLater settlement lag is standard across BNPL providers in Indonesia — Midtrans is not holding your funds. The BNPL provider settles to the gateway on its own cycle before Midtrans disburses to you.

Unlike Xendit, Midtrans does not publish an early settlement option. Sellers who need faster cash flow access and are not embedded in the GoTo ecosystem should weigh Xendit’s early settlement feature against their typical weekly GMV.

Is Midtrans PCI DSS Compliant and Licensed by Bank Indonesia?

Yes. Midtrans holds a payment gateway license issued by Bank Indonesia and is PCI DSS certified, per Midtrans’s official documentation. As a subsidiary of GoTo Group, Midtrans operates under Indonesia’s largest technology conglomerate and serves merchants ranging from startups to established ecommerce platforms. Sellers can verify Midtrans’s license through Bank Indonesia’s fintech registry at bi.go.id.

Payment security is foundational. An unlicensed or non-compliant gateway exposes card data, creates fraud liability, and invites Bank Indonesia regulatory action against the merchant.

Midtrans’s compliance addresses security in two layers:

Bank Indonesia license. Midtrans holds an active payment gateway operating license under Indonesian financial regulation. This license requires Midtrans to maintain operational standards, capital requirements, and consumer protection policies set by Bank Indonesia. Sellers can verify the license status at Bank Indonesia’s fintech registry (bi.go.id).

PCI DSS certification. PCI DSS covers how card data is stored, processed, and transmitted. Midtrans’s certification shifts the bulk of card security compliance from the merchant to the gateway. Sellers using Midtrans’s hosted checkout (Snap.js or payment links) do not need independent PCI certification — the hosted path keeps card data off your servers entirely.

Additional security features:

• 3D Secure (3DS) authentication for card transactions, reducing fraud and shifting chargeback liability to issuing banks
• Automated fraud detection and transaction monitoring
• Full card refund policy: percentage fee is refunded on full card refunds per Midtrans’s published policy; fixed fee (Rp 2,000) is not

How Easy Is It to Integrate Midtrans With Shopify, WooCommerce, or a Custom Store?

Midtrans integrates with Shopify, WooCommerce, Magento, and other major platforms via official plugins. No-code setup via payment links takes under 15 minutes. Full REST API integration (Core API) typically requires 1–3 developer days and provides access to all 25+ payment methods, tokenization, and recurring billing, per Midtrans’s integration documentation.

Integration path depends on your store setup:

No-code (fastest): Midtrans payment links. Generate a link from the Midtrans dashboard, share it with a customer, and they pay using any supported method. No store integration needed — useful for wholesale orders, pre-orders, or one-off billing.

Plugin-based (most common for sellers):

• Shopify: Midtrans official plugin available for Shopify stores. Connect API keys, select payment methods, go live.
• WooCommerce: Free WordPress plugin. Standard configuration — Midtrans API keys in the plugin settings panel.
• Magento and PrestaShop: Integration plugins available for both platforms.

Snap.js (mid-code): Midtrans’s Snap integration adds a payment popup directly on your checkout page with a few lines of JavaScript. All payment methods available, faster to implement than Core API, more customizable than plugins.

Core API (full custom builds): Midtrans’s REST API covers all payment methods under a unified endpoint structure. The tokenization feature saves card credentials for repeat customers, enabling one-click checkout or subscription billing. Core API integration gives full control over checkout UX but requires 1–3 developer days.

One important constraint: Midtrans processes payments on your own website or app. Sellers who sell exclusively on Tokopedia, Shopee, or Lazada do not use Midtrans — those marketplaces handle payment processing through their own internal infrastructure. Midtrans only applies to traffic you control directly.

Verdict: Which Indonesian Sellers Should Use Midtrans?

Midtrans is the strongest choice for Indonesian ecommerce sellers embedded in the GoTo/Gojek ecosystem, those who prioritize direct GoPay integration and the app-to-app checkout redirect, or sellers already running on a platform with native Midtrans support. For sellers who need early settlement, API-first custom builds, or cross-border capabilities, Xendit is the comparable alternative — with near-identical fees on bank transfer and card.

Both gateways cover Indonesian ecommerce well. Here is when to choose Midtrans.

Midtrans is the right fit if:

• Your buyers heavily use GoPay and you want the native app-to-app checkout redirect at 2.00%
• You are building on a platform already integrated with Midtrans — migration carries a real switching cost
• You process transactions inside the GoTo ecosystem and want ecosystem alignment
• You prioritize established local support resources and Indonesian-language documentation
• Your BNPL volume runs through Kredivo — Midtrans’s 2.00% is 0.30% lower than Xendit’s 2.30%

Choose Xendit instead if:

• You need early settlement (same-day or next-day) to free up working capital
• Your team is building a custom checkout and values API documentation quality
• You sell across multiple Southeast Asian markets — Xendit’s cross-border capabilities simplify multi-market operation
• Your GoPay volume is lower and QRIS at 0.70% is sufficient — the 1.30% fee difference per GoPay transaction compounds at scale

The fee math is identical where volume is highest. Bank transfer at Rp 4,000 and card at 2.90% + Rp 2,000 are the same across both platforms. At Rp 200,000 average order value with 600 monthly orders exclusively via bank transfer, both gateways cost Rp 2,400,000/month in transaction fees. The choice is about ecosystem fit, settlement speed, and GoPay checkout experience — not about saving money on fees.

Frequently Asked Questions

What are Midtrans’s fees for Indonesian ecommerce sellers?

Midtrans charges Rp 4,000 per bank transfer / virtual account transaction, 2.90% + Rp 2,000 per card transaction, and 0.70% for QRIS, per Midtrans’s official pricing page. GoPay direct integration costs 2.00%. OVO and DANA each cost 1.50%. ShopeePay costs 2.00%. All fees exclude 11% VAT unless noted. QRIS is VAT-inclusive. Verified May 2026.

Is Midtrans or Xendit better for Indonesian ecommerce?

Both charge identical fees for bank transfer (Rp 4,000) and card (2.90% + Rp 2,000). Midtrans leads on direct GoPay integration, GoTo ecosystem alignment, and Kredivo fees (2.00% vs Xendit’s 2.30%). Xendit leads on early settlement options and API documentation quality. For most independent sellers, the choice is about operational preference, not cost.

Does Midtrans support GoPay, OVO, and DANA in Indonesia?

Yes. Midtrans supports GoPay directly at 2.00% per transaction, OVO at 1.50%, DANA at 1.50%, ShopeePay at 2.00%, and all Bank Indonesia-compliant e-wallets and mobile banking apps via QRIS at 0.70%. Fees per Midtrans’s official pricing page. Verified May 2026.

How long does Midtrans take to settle funds in Indonesia?

Midtrans settles at H+2 — funds reach your bank account 2 business days after a successful transaction. BNPL providers (Akulaku, Kredivo) settle at H+3 to H+5, driven by the BNPL provider’s settlement cycle, not Midtrans. Midtrans does not publish an early settlement option comparable to Xendit’s.

Is Midtrans licensed to operate in Indonesia?

Yes. Midtrans holds a payment gateway license issued by Bank Indonesia and is PCI DSS certified, per Midtrans’s published documentation. Midtrans is a subsidiary of GoTo Group (Gojek-Tokopedia). Sellers can verify Midtrans’s license status through Bank Indonesia’s fintech registry at bi.go.id.

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