Midtrans charges Rp 4,000 per bank transfer. 2% for GoPay. 0.7% for QRIS. Midtrans supports 25+ payment methods across e-wallets, virtual accounts, cards, BNPL, and cash — each with its own rate. This guide covers every fee Midtrans charges in Indonesia, verified from Midtrans’s official pricing page in May 2026.
What Is Midtrans’s Complete Pricing for All Payment Methods in Indonesia?
Midtrans pricing in Indonesia covers 25+ payment methods with no monthly fee and no setup cost. Key rates: Rp 4,000 per bank transfer, 2.00% for GoPay direct, 0.70% for QRIS, 1.50% for OVO and DANA, and 2.90% + Rp 2,000 per card, per Midtrans’s official pricing page. Most fees exclude 11% VAT. No setup fee, no implementation fee, no monthly minimum.
Midtrans is a Bank Indonesia-licensed payment gateway and a subsidiary of GoTo Group (the Gojek-Tokopedia parent company). Its fee model is pay-per-transaction only — no monthly subscription, no activation charge, no termination fee for standard merchant accounts.
Here is the complete Midtrans fee table for Indonesia, verified May 2026:
| Payment Method | Tier | Percentage | Fixed (IDR) | Monthly Minimum |
|---|---|---|---|---|
| Virtual Account (Bank Transfer) | Standard | — | Rp 4,000 | None |
| Credit / Debit Card | Standard | 2.90% | Rp 2,000 | None |
| QRIS | Standard | 0.70%* | — | None |
| GoPay (direct integration) | Standard | 2.00% | — | None |
| OVO | Standard | 1.50% | — | None |
| DANA | Standard | 1.50% | — | None |
| ShopeePay | Standard | 2.00% | — | None |
| Indomaret | Standard | — | Rp 5,000† | None |
| Alfamart / Alfamidi / DAN+DAN | Standard | — | Rp 5,000† | None |
| Direct Debit (Octo Clicks, e-Pay BRI, Danamon) | Standard | — | Rp 5,000† | None |
| BCA KlikPay | Standard | — | Rp 2,200 + BCA fee‡ | None |
| Akulaku PayLater | BNPL | 1.70% | — | None |
| Kredivo | BNPL | 2.00% | — | None |
| Disbursement — bank account | — | — | Rp 5,000 | None |
| Disbursement — GoPay | — | — | Rp 1,000 | None |
* QRIS 0.70% is VAT-inclusive per Bank Indonesia regulation. This is the regulator-mandated rate, consistent across all licensed payment gateways in Indonesia.
† Indomaret, Alfamart Group, and direct debit via Octo Clicks, e-Pay BRI, and Danamon Online Banking fees are VAT-inclusive, per Midtrans’s official pricing page.
‡ BCA KlikPay: the Rp 2,200 is the Midtrans-side fee. BCA charges a separate fee billed directly — contact BCA to confirm the total before enabling this method. Per Midtrans’s documentation.
Note: Gaming and digital product companies are subject to different rates. Contact Midtrans if your store sells digital goods, apps, or subscription content.
All fees sourced from Midtrans’s official pricing page. Verified May 2026.
How Much Does Midtrans Charge for Bank Transfers and Virtual Accounts?
Midtrans charges a flat Rp 4,000 per successful bank transfer / virtual account transaction, regardless of order value, per Midtrans’s pricing page. Virtual accounts are supported at 12 Indonesian banks including BCA, BNI, BRI (BRIVA), Mandiri, Permata, CIMB, Danamon, BSI, SeaBank, Bank Saqu, and the ATM Bersama and Alto interbank networks. VAT of 11% applies on top, bringing the effective cost to Rp 4,440 per transaction.
Bank transfer via virtual account dominates Indonesian ecommerce. The Rp 4,000 flat fee is fixed across all 12 supported banks — no premium for BCA over BNI or Mandiri.
At Rp 300,000 average order value, the effective rate is 1.48% after VAT (Rp 4,440 / Rp 300,000). Compare that to card at 2.90% + Rp 2,000, or GoPay direct at 2.00%.
VAT math: Rp 4,000 × 1.11 = Rp 4,440 per transaction, deducted automatically from your settlement. Midtrans settles at H+2 — funds reach your bank 2 business days after a successful transaction.
Looking for a side-by-side comparison of bank transfer fees, settlement times, and payment method coverage across Indonesian gateways? See the Midtrans full review and Xendit comparison with settlement timing and feature breakdown.
What Are Midtrans’s E-Wallet and QRIS Fees in Indonesia?
Midtrans charges 0.70% for QRIS (VAT-inclusive), 2.00% for GoPay direct and ShopeePay, and 1.50% for OVO and DANA, per Midtrans’s pricing page. Gaming and digital content merchants pay higher rates than standard retail — confirm your account classification with Midtrans before assuming the base retail rate applies to your store.
QRIS is Midtrans’s most cost-effective e-wallet option by a wide margin. At 0.70% VAT-inclusive — the regulator-mandated rate set by Bank Indonesia — QRIS accepts GoPay, OVO, LinkAja, BRI Mobile, ShopeePay, and all Bank Indonesia-compliant wallets through a single QR code. For merchants with mixed e-wallet usage, QRIS covers all of them at a lower combined rate than maintaining separate direct integrations.
GoPay direct (2.00%): Midtrans’s native GoPay integration triggers an app-to-app redirect at checkout. The 2.00% rate is higher than QRIS at 0.70%, but delivers the in-app checkout experience that GoTo/Gojek ecosystem buyers expect.
OVO and DANA (1.50% each): Both are priced identically at the standard retail tier. As with most Indonesian gateway e-wallet fees, gaming and digital content merchants may be classified at a higher rate — verify your account category with Midtrans if your store sells digital products.
ShopeePay (2.00%): Identical to GoPay direct at the standard retail rate.
For most stores, QRIS covers the same transaction universe as direct GoPay at a 1.30% lower rate. Use direct GoPay only if your buyers predominantly expect the in-app redirect — otherwise QRIS is the cost-efficient default.
What Are Midtrans’s Card, PayLater, and Direct Debit Fees?
Midtrans charges 2.90% + Rp 2,000 per credit or debit card transaction (Visa, Mastercard) and refunds the percentage portion on full refunds, per Midtrans’s pricing page. BNPL through Akulaku PayLater costs 1.70% and through Kredivo costs 2.00%. Direct debit (Octo Clicks, e-Pay BRI, Danamon) costs Rp 5,000 VAT-inclusive — flat fee, not a percentage of order value.
Credit and debit card (2.90% + Rp 2,000):
This is the standard MDR (Merchant Discount Rate) for Visa and Mastercard in Indonesia. At Rp 300,000 AOV: (Rp 300,000 × 2.90%) + Rp 2,000 = Rp 10,700 before VAT, or Rp 11,877 after VAT — effective 3.96%. At Rp 100,000 AOV, the Rp 2,000 fixed fee alone is 2.0% before the MDR.
Refund policy: Midtrans returns the percentage fee (2.90%) on full card refunds. The Rp 2,000 fixed portion is not refunded, per Midtrans’s published policy. For high-refund-rate categories — fashion, marketplaces, subscription boxes — factor this into your margin calculations.
PayLater / BNPL:
| BNPL Provider | Midtrans Fee | Settlement |
|---|---|---|
| Akulaku PayLater | 1.70% | H+3 to H+5 |
| Kredivo | 2.00% | H+3 to H+5 |
Akulaku at 1.70% is cheaper than a standard card transaction. Kredivo at 2.00% is also below card rate at typical order values. The settlement trade-off: BNPL providers settle at H+3 to H+5 — a meaningful lag for sellers with tight working capital.
Direct debit (Rp 5,000 VAT-inclusive):
Octo Clicks (CIMB), e-Pay BRI, and Danamon Online Banking each carry a flat Rp 5,000 fee that already includes VAT — no additional tax calculation needed. This is a per-transaction flat fee rather than a percentage, making it cost-effective at higher order values. At Rp 500,000 AOV, the effective rate is 1.00%. At Rp 100,000 AOV, it is 5.00%.
BCA KlikPay: Rp 2,200 is the Midtrans fee; BCA charges a separate negotiated fee on top. Confirm total cost with both Midtrans and BCA before enabling this method, per Midtrans’s documentation.
Does Midtrans Charge Hidden Fees or Monthly Minimums?
Midtrans charges no monthly fee, no setup fee, no maintenance fee, and no termination fee for standard merchant accounts, per Midtrans’s pricing page. There is no implementation fee for Snap.js, Core API, or payment links. The two costs that catch sellers off guard are 11% VAT on most transaction fees, and the Rp 5,000-per-transfer disbursement fee when sending money out.
For standard sellers, the cost structure is purely per-transaction. But three items need to be on your radar.
1. VAT (11%) on most fees:
This is the most common budget surprise. Midtrans’s published rates are almost all exclusive of Indonesia’s 11% VAT, charged on top. Your Midtrans dashboard and tax invoice show the base fee and VAT as separate line items.
The calculation: published fee × 1.11 = your true cost.
- Rp 4,000 VA fee → Rp 4,440 after VAT
- 2.90% card MDR → effective 3.22% after VAT
- 2.00% GoPay → effective 2.22% after VAT
- 1.50% OVO or DANA → effective 1.665% after VAT
The VAT-inclusive exceptions (no additional calculation needed): QRIS at 0.70%, Indomaret and Alfamart Group at Rp 5,000, and direct debit via Octo, e-Pay BRI, and Danamon at Rp 5,000.
2. Disbursement fees (Rp 5,000 per bank transfer, Rp 1,000 per GoPay):
Disbursement is Midtrans’s payout product — Rp 5,000 per bank account transfer, Rp 1,000 per GoPay wallet. Sellers running regular payouts, affiliate commissions, or refund disbursements should factor this into their cost model.
3. Gaming and digital content rates:
Midtrans notes gaming and digital product companies pay higher e-wallet rates. If your store sells digital downloads, gaming credits, or subscriptions, confirm your merchant category with Midtrans — standard retail rates in the table above may not apply.
For a comparison of Midtrans fees against Xendit, DOKU, and other Indonesian payment gateways side by side, see the best payment gateway for ecommerce in Indonesia hub guide.
Frequently Asked Questions
What is Midtrans’s pricing for Indonesian ecommerce sellers?
Midtrans charges Rp 4,000 per bank transfer / virtual account, 2.90% + Rp 2,000 per card, and 0.70% for QRIS in Indonesia, per Midtrans’s official pricing page. GoPay direct costs 2.00%, OVO and DANA each cost 1.50%, and ShopeePay costs 2.00%. Midtrans charges no monthly fee, no setup fee, and no termination fee for standard merchants.
Does Midtrans charge a monthly fee?
No. Midtrans does not charge a monthly subscription, setup, or maintenance fee for standard merchant accounts, per Midtrans’s official pricing page. The only cost is a per-transaction fee on each successful payment. No implementation fee applies for Snap.js, payment links, or Core API integration.
Are Midtrans fees inclusive of VAT in Indonesia?
No — most Midtrans fees exclude Indonesia’s 11% VAT, charged separately on your invoice. Three categories are VAT-inclusive: QRIS (0.70%, per Bank Indonesia regulation), over-the-counter fees at Indomaret and Alfamart Group (Rp 5,000), and direct debit via Octo Clicks, e-Pay BRI, and Danamon Online Banking (Rp 5,000). For all other payment methods, add 11% to the published rate.
Can merchants negotiate lower fees with Midtrans?
Yes. Midtrans negotiates volume-based enterprise rates for merchants with high monthly GMV, per Midtrans’s official documentation. Standard published rates apply until an enterprise agreement is in place. Contact Midtrans sales directly with your monthly transaction volume to request custom pricing.