Reference data

Indonesian payment gateway fees, side by side

The public list prices of five gateways for every common Indonesian payment method, each cell copied from the provider's own pricing page and linked back to it.

By Matthews WongResearched on 12 October 2026

Key takeaway

On 12 October 2026 a virtual account was listed at Rp4,000 at Midtrans and Faspay, and at Rp9,000 plus a Rp4,000 processing fee at Xendit. Standard card payments ran from 2.7% to 2.9% plus Rp2,000 to Rp2,500. QRIS is priced by Bank Indonesia, not the gateways: 0.7%, and 0% up to Rp100,000 from 1 October 2026.

The table

Fees by payment method

Each figure is linked to the page it came from. A dash means the provider did not publish a price for that method.

Published transaction fees, Indonesian payment methods (researched 12 October 2026)
Method	Xendit	Midtrans	DOKU	Duitku	Faspay
QRIS	0.70% (inclusive of VAT, for transactions above Rp100,000), plus Rp4,000 Xendit processing fee source	0.7% per transaction, VAT included; different rates for gaming & digital product companies source	0.7%; 0% for transactions of Rp0–Rp100,000 (DOKU fee may apply) source	0.7% per transaction source	0.7% per transaction source
Virtual Account (bank transfer)	Rp9,000 per transaction for every listed bank (BCA, BNI, BRI, Mandiri, Permata and others), plus Rp4,000 Xendit processing fee source	Rp4,000 per transaction (BCA, BRI, BNI, Mandiri, Permata, CIMB, Danamon, BSI, SeaBank, Bank Saqu) source	Rp4,000 per transaction; BCA: Rp4,500 source	Rp1,500 (Artha Graha, Sahabat Sampoerna); Rp4,000 (Mandiri); Rp5,000 (BCA); Rp3,000 (other banks) source	Rp4,000 per transaction source
E-wallet: GoPay	3.00% (non-digital merchants) or 5.00% (digital merchants), plus Rp4,000 Xendit processing fee source	2% per transaction, VAT included; different rates for gaming & digital product companies source	Not published	Not published	Not published
E-wallet: OVO	3.00% (Indonesian non-digital merchants) or 5.50% (Indonesian digital merchants), plus Rp4,000 Xendit processing fee; separate rates for foreign and P2P/multi-finance merchants source	1.5% per transaction; different rates for gaming & digital product companies source	2% - 3.18% source	1.67%; OVO (digital): 3.03% source	1.5% per transaction source
E-wallet: DANA	3.00% (e-wallet) or 3.50% (autodebit), plus Rp4,000 Xendit processing fee source	1.5% per transaction; different rates for gaming & digital product companies source	1.5% per transaction source	1.67% per transaction source	1.5%; 2% for DANA Balance/Credit Card source
E-wallet: ShopeePay	2.50% (retail merchants) or 3.60% (gaming, content and digital product merchants), plus Rp4,000 Xendit processing fee source	2% per transaction, VAT included; different rates for gaming & digital product companies source	2% - 4% source	2%; ShopeePay (digital): 4% source	2% per transaction (app-based) source
E-wallet: LinkAja	Not published	Not published	2% - 3.5% or Rp2,500 source	1.67%; LinkAja (fixed fee): Rp3,330 source	1.5% per transaction source
Credit card	2.90% + Rp2,000 (Visa, Mastercard, JCB; domestic or international) or 3.90% + Rp2,000 (AMEX), plus Rp4,000 Xendit processing fee source	2.9% + Rp2,000 per transaction source	2.80% + Rp2,000 (all upfront payment); Amex: 3.5% + Rp2,000 source	2.9% + Rp2,500 per transaction source	Rp2,000 + 2.7% (aggregator) or Rp2,000 + bank MDR (direct) source
Retail outlet (Alfamart / Indomaret)	Rp9,000 (Alfamart, Indomaret), plus Rp4,000 Xendit processing fee source	Rp5,000 per transaction (Indomaret, Alfamart, Alfamidi, DAN+DAN) source	Rp5,000 (Alfamart, Alfamidi, DanDan, Lawson); Rp6,500 (Indomaret) source	Rp2,500 (Alfamart); Indomaret: MDR set by Indomaret + Rp1,000 source	Rp5,000 per transaction (Indomaret Group, Alfa Group) source
PayLater (cardless credit)	2.00% (Akulaku) or 2.30% (Kredivo, Indodana), plus Rp4,000 Xendit processing fee source	1.7% (Akulaku PayLater); 2% (Kredivo) source	1.5% + Rp2,000 (Akulaku); 2.3% + Rp2,000 (Indodana, Kredivo). DOKU's Indonesian page lists 1.5% and 2.3% without the Rp2,000. source	2.3% (Indodana); 5.5% (Atome) source	1.5% (Akulaku); 2.3% (Kredivo, Indodana) source
Direct debit	1.90% (BRI debit card), plus Rp4,000 Xendit processing fee source	Not published	2% + Rp2,000 (BRI, Mandiri, Allo Bank, OCTO Cash) source	Not published	1.5% per transaction (BRI Direct Debit) source

How to read this table

Every price is the public list price the provider showed on its own pricing page on 12 October 2026, copied as written and linked from its cell. Negotiated rates differ: Xendit calls its figures standard rates and offers special pricing on request, DOKU lists a custom rate for enterprise, Duitku asks merchants above Rp500 million a month to contact sales, and Midtrans applies different e-wallet and QRIS rates to gaming and digital-product companies.
VAT (PPN) is treated differently, so the same figure does not cost the same everywhere. Duitku states all its prices include VAT. DOKU states its prices exclude VAT. Xendit states its fees are quoted exclusive of tax, deducted at settlement, but labels its QRIS 0.70% as inclusive of VAT. Midtrans excludes VAT except on QRIS, GoPay and ShopeePay. Faspay prints 'Prices exclude VAT' only beside its dashboard subscription, so the VAT treatment of its transaction fees is not stated.
Xendit prices every transaction in two parts: a payment method fee plus a fixed Xendit processing fee, Rp4,000 for each Indonesian method on its page. Each Xendit cell shows both, so add them before comparing with a provider that quotes a single figure. A Xendit virtual account, for example, is listed as Rp9,000 plus Rp4,000.
QRIS is the one row the providers do not set: Bank Indonesia sets the MDR, which is why each of them quotes 0.7%. From 1 October 2026 BI applies 0% to QRIS transactions up to Rp100,000 at every merchant. Xendit and DOKU print that threshold beside their QRIS price; Midtrans, Duitku and Faspay showed a flat 0.7% on the research date. Xendit lists its Rp4,000 processing fee on QRIS as well, and DOKU notes its own fee may apply inside the 0% band.
Midtrans, DOKU and Faspay state they charge only for successful transactions and no setup fee; DOKU also states no monthly fee. Faspay charges Rp100,000 a month for its Billing and SendMe dashboard subscription. None of the five pricing pages publishes a settlement time for incoming payments, and Duitku's English and Indonesian pages describe withdrawal times differently, so confirm settlement terms with the provider.
To check a price today, open the provider's pricing page linked in the table header, then confirm the rate in your merchant dashboard or contract before quoting it to customers: these pages change without notice. Xendit's page sits behind a browser check, so it may not load in scripts or link previews.

Bank Indonesia

The QRIS rules no gateway can change

QRIS fees are set by Bank Indonesia's merchant discount rate (MDR), so they apply whichever provider you choose.

From 1 October 2026, QRIS is 0% up to Rp100,000 at every merchant
Bank Indonesia's press release of 17 August 2026 extends the 0% merchant discount rate (MDR) to small, medium and large merchants for QRIS transactions up to Rp100,000, down from 0.7%, effective 1 October 2026. Micro merchants keep 0% for transactions up to Rp500,000.
Source:Bank Indonesia — Press Release No. 28/159/DKom, Indonesia Credit Card and 0% MDR Policy (17 August 2026)
Micro merchants (UMI): 0% up to Rp500,000, 0.3% above
BI's QRIS rate table sets 0% for micro-merchant transactions of Rp500,000 or less and 0.3% above Rp500,000. The August 2026 release continues the 0% band and does not change the rate above it.
Source:Bank Indonesia — QRIS, Skema Harga QRIS
Small, medium and large merchants: 0.7%
BI sets 0.7% for small (UKE), medium (UME) and large (UBE) merchants. This is the 0.7% every provider in the table quotes for QRIS; since 1 October 2026 it applies above Rp100,000. On the research date BI's QRIS page still showed the flat 0.7% without the new 0% band.
Source:Bank Indonesia — QRIS, Skema Harga QRIS
Special categories: education 0.6%, fuel stations 0.4%, public services 0%
BI lists separate QRIS rates for education (0.6%), public fuel stations (SPBU, 0.4%), and 0% for public service agencies (BLU), public service obligations (PSO), government-to-people payments such as social aid, and people-to-government payments such as tax, passports and non-profit donations. The August 2026 release does not mention these categories separately.
Source:Bank Indonesia — QRIS, Skema Harga QRIS
The merchant pays the MDR, not the customer
The QRIS MDR is a fee the payment provider charges the merchant. BI takes no share of it, and it may not be passed on to the consumer.
Source:Bank Indonesia — MDR QRIS Bagi Merchant: Kategorisasi dan Simulasi

Read the payments guide: QRIS, SNAP and choosing a gateway

FAQ

Frequently asked questions

Short answers, consistent with the sources on this page as of the research date.

Which Indonesian payment gateway has the lowest fees?

It depends on the method. On the research date, Midtrans and Faspay listed virtual accounts at Rp4,000, while Xendit listed Rp9,000 plus a Rp4,000 processing fee. Compare the methods your customers actually use, and remember that VAT treatment and negotiated rates differ by provider.

How much is the QRIS fee for merchants in 2026?

Bank Indonesia sets it. From 1 October 2026, QRIS is 0% for transactions up to Rp100,000 at small, medium and large merchants, and 0.7% above that. Micro merchants pay 0% up to Rp500,000 and 0.3% above it.

Can a merchant pass the QRIS fee on to the customer?

No. Bank Indonesia states that the QRIS MDR is a fee the payment provider charges the merchant and that it may not be charged to the consumer.

Why does Xendit look more expensive in the table?

Xendit prices every transaction in two parts: a payment method fee plus a fixed Rp4,000 processing fee for Indonesian methods. The table shows both parts in every Xendit cell, so add them before comparing with a provider that quotes one figure.

Do these fees include VAT?

Not consistently. Duitku states its prices include VAT, DOKU states they exclude it, Midtrans excludes VAT except on QRIS, GoPay and ShopeePay, and Xendit quotes fees exclusive of tax but labels its QRIS rate as VAT-inclusive. Faspay does not state the VAT treatment of its transaction fees.

Sources

Primary sources checked on the research date. Follow them for the current version.

Building software for Indonesia

More from the Indonesia guide

The other hubs, the reference pages and the calculators in this section.

Indonesian payment gateway fees, side by side

The public list prices of five gateways for every common Indonesian payment method, each cell copied from the provider's own pricing page and linked back to it.

By Matthews WongResearched on 12 October 2026

Key takeaway

Published transaction fees, Indonesian payment methods (researched 12 October 2026)

QRIS

0.70% (inclusive of VAT, for transactions above Rp100,000), plus Rp4,000 Xendit processing fee source

0.7% per transaction, VAT included; different rates for gaming & digital product companies source

0.7%; 0% for transactions of Rp0–Rp100,000 (DOKU fee may apply) source

0.7% per transaction source

Virtual Account (bank transfer)

Rp9,000 per transaction for every listed bank (BCA, BNI, BRI, Mandiri, Permata and others), plus Rp4,000 Xendit processing fee source

Rp4,000 per transaction (BCA, BRI, BNI, Mandiri, Permata, CIMB, Danamon, BSI, SeaBank, Bank Saqu) source

Rp4,000 per transaction; BCA: Rp4,500 source

Rp1,500 (Artha Graha, Sahabat Sampoerna); Rp4,000 (Mandiri); Rp5,000 (BCA); Rp3,000 (other banks) source

Rp4,000 per transaction source

E-wallet: GoPay

3.00% (non-digital merchants) or 5.00% (digital merchants), plus Rp4,000 Xendit processing fee source

2% per transaction, VAT included; different rates for gaming & digital product companies source

Not published

E-wallet: OVO

3.00% (Indonesian non-digital merchants) or 5.50% (Indonesian digital merchants), plus Rp4,000 Xendit processing fee; separate rates for foreign and P2P/multi-finance merchants source

1.5% per transaction; different rates for gaming & digital product companies source

2% - 3.18% source

1.67%; OVO (digital): 3.03% source

1.5% per transaction source

E-wallet: DANA

3.00% (e-wallet) or 3.50% (autodebit), plus Rp4,000 Xendit processing fee source

1.5% per transaction; different rates for gaming & digital product companies source

1.5% per transaction source

1.67% per transaction source

1.5%; 2% for DANA Balance/Credit Card source

E-wallet: ShopeePay

2.50% (retail merchants) or 3.60% (gaming, content and digital product merchants), plus Rp4,000 Xendit processing fee source

2% per transaction, VAT included; different rates for gaming & digital product companies source

2% - 4% source

2%; ShopeePay (digital): 4% source

2% per transaction (app-based) source

E-wallet: LinkAja

Not published

2% - 3.5% or Rp2,500 source

1.67%; LinkAja (fixed fee): Rp3,330 source

1.5% per transaction source

Credit card

2.90% + Rp2,000 (Visa, Mastercard, JCB; domestic or international) or 3.90% + Rp2,000 (AMEX), plus Rp4,000 Xendit processing fee source

2.9% + Rp2,000 per transaction source

2.80% + Rp2,000 (all upfront payment); Amex: 3.5% + Rp2,000 source

2.9% + Rp2,500 per transaction source

Rp2,000 + 2.7% (aggregator) or Rp2,000 + bank MDR (direct) source

Retail outlet (Alfamart / Indomaret)

Rp9,000 (Alfamart, Indomaret), plus Rp4,000 Xendit processing fee source

Rp5,000 per transaction (Indomaret, Alfamart, Alfamidi, DAN+DAN) source

Rp5,000 (Alfamart, Alfamidi, DanDan, Lawson); Rp6,500 (Indomaret) source

Rp2,500 (Alfamart); Indomaret: MDR set by Indomaret + Rp1,000 source

Rp5,000 per transaction (Indomaret Group, Alfa Group) source

PayLater (cardless credit)

2.00% (Akulaku) or 2.30% (Kredivo, Indodana), plus Rp4,000 Xendit processing fee source

1.7% (Akulaku PayLater); 2% (Kredivo) source

1.5% + Rp2,000 (Akulaku); 2.3% + Rp2,000 (Indodana, Kredivo). DOKU's Indonesian page lists 1.5% and 2.3% without the Rp2,000. source

2.3% (Indodana); 5.5% (Atome) source

1.5% (Akulaku); 2.3% (Kredivo, Indodana) source

Direct debit

1.90% (BRI debit card), plus Rp4,000 Xendit processing fee source

Not published

2% + Rp2,000 (BRI, Mandiri, Allo Bank, OCTO Cash) source

Not published

1.5% per transaction (BRI Direct Debit) source

Fees by payment method

How to read this table

The QRIS rules no gateway can change

From 1 October 2026, QRIS is 0% up to Rp100,000 at every merchant

Micro merchants (UMI): 0% up to Rp500,000, 0.3% above

Small, medium and large merchants: 0.7%

Special categories: education 0.6%, fuel stations 0.4%, public services 0%

The merchant pays the MDR, not the customer

Sources

More from the Indonesia guide

Fees by payment method

How to read this table

The QRIS rules no gateway can change

From 1 October 2026, QRIS is 0% up to Rp100,000 at every merchant

Micro merchants (UMI): 0% up to Rp500,000, 0.3% above

Small, medium and large merchants: 0.7%

Special categories: education 0.6%, fuel stations 0.4%, public services 0%

The merchant pays the MDR, not the customer

Sources

More from the Indonesia guide