More Payment Methods

Indonesia Banks

Bank Transfer

Indonesians use bank-transfer payment methods to pay for almost a quarter of all their online purchases (PPRO Almanac). That’s an e-commerce volume with an approximate value of US$5.75 billion. They simply enter a 16-digit payment code (also known as a Virtual Account Number). This can be via internet banking or at the ATMs of participating banks. Supported ATM networks include Bersama, Prima, and Alto, and supported banks include: Bank Danamon, Bank Mandiri, Bank Negara Indonesia, CIMB Niaga, Permata Bank and Maybank Indonesia.

Indonesia Banks

Features

  • Coverage Area
    Customer
    Indonesia
    Merchant
    Global, Indonesia 但不包括
  • Channel
    Online
  • Currency
    Consumer Currency
    IDR
    Processing Currency
    IDR
    Settlement Currency
    IDR
  • Transaction
    Minimum Limit
    IDR 10,000
    Maximum Limit
    Bank transfer: interbank, IDR 25,000,000; same bank, up to account balance
    Payment Timeout
    79 hours
  • Feature
    Scheduled Payment
    no
    One-click Payment
    no
    Refunds
    no
    Partial Refunds
    no
    Multiple Partial Refunds
    no
    Payment Guarantee
    yes
    Refund Risk
    no

Why ChooseIndonesia Banks？

  • With a 23% market share, bank transfer payments are the second most popular method of payment in Indonesia. (PPRO Almanac).

    With a 23% market share, bank transfer payments are the second most popular method of payment in Indonesia. (PPRO Almanac).

  • The Indonesian e-commerce market is predicted to grow from a value of US$43 billion in 2023 to US$66 billion by 2026 (PPRO Almanac).

    The Indonesian e-commerce market is predicted to grow from a value of US$43 billion in 2023 to US$66 billion by 2026 (PPRO Almanac).

  • As not all debit cards are enabled by banks for ecommerce, Indonesian consumers prefer bank transfer methods, via a browser or mobile banking app.

    As not all debit cards are enabled by banks for ecommerce, Indonesian consumers prefer bank transfer methods, via a browser or mobile banking app.

How It Works?

  • At checkout, the merchant can display either DOKU or the individual banks for the consumer to select
    Merchant

    01

    At checkout, the merchant can display either DOKU or the individual banks for the consumer to select

  • If DOKU is selected, the consumer first redirects to a DOKU HPP (merchant white label option) to select their bank
    Payment Methods

    02

    If DOKU is selected, the consumer first redirects to a DOKU HPP (merchant white label option) to select their bank

  • After selecting their bank, the consumer redirects to a page that displays a payment code with instructions
    Payment Methods

    03

    After selecting their bank, the consumer redirects to a page that displays a payment code with instructions

  • The consumer uses the code to complete payment via bank transfer (browser or ATM)
    Online Banking

    04

    The consumer uses the code to complete payment via bank transfer (browser or ATM)

  • Payment is confirmed
    Merchant

    05

    Payment is confirmed

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