Top Most Used Payment Apps in Indonesia (2025)

Below is a list of the most used payment apps in Indonesia (based on a combined assessment of user volume, transaction frequency and market coverage):

1. GoPay

  • affiliated company: Gojek (South East Asia Super App)
  • specificities: Deeply tied to Gojek ecosystem (taxi, takeaway, shopping, etc.), wide coverage of offline merchants, and support for QR code payments and transfers.
  • cutting edge: High penetration, especially favoured by young people and urban users.

2. OVO

  • affiliated company: Grab-Tokopedia ecosystem (with Grab)
  • specificities: Integrated in Grab travel and Tokopedia e-commerce, it supports bill payment, offline scanning and investment features.
  • cutting edge: Lots of promotions to drive user growth.

3. DANA

  • affiliated company: Ant Group and Emtek Joint Venture
  • specificities* :: Alipay-like interface and functionality, supporting P2P transfers, bill payments, online shopping and more. High degree of localisation.

4. ShopeePay (SPay)

  • Shopee e-commerce platform, a subsidiary of Sea Group.
  • PointStrong relies on Shopee's large user base to provide cashback offers to take advantage of small transactions.

5. LinkAja

  • Jointly developed by a number of Indonesian state-owned enterprises (BUMN)
  • Focus on public transport (e.g. Jakarta LRT) and government-related payment scenarios

6. Bank Central Asia (BCA) - Mobile Banking
Although primarily a banking app but its digital wallet function (m-BCA) is very active in the superstore/restaurant scene

Other noteworthy.
–QRIS:: Unified QR code standard implemented by Bank Indonesia has integrated platforms to enable cross-app scanning for payment
–Traditional bank transfers:: Internet banking like Mandiri/BRI is still widely used especially for large transactions.

Trend Watch.
1.GopayOVODANA three strong competition close market share
2. Rural areas are still cash-based but e-wallet penetration is accelerating
3. "Super App model" (combining travel + payment + e-commerce) is the most successful

Source:SimilarWeb,iPriceGroup,Indonesia FinTech Report 2023

Well, let's move on to delve into other key details and future trends in the Indonesia payments market:

7. The rise of bank-based e-wallets

  • Mandiri e-Wallet(launched by Bank Mandiri) and BRImo(BRI Bank) has an advantage in government subsidy disbursement (e.g., social welfare payments) and corporate payroll transfer scenarios by virtue of its parent company's large customer base.
  • specificities: More trusted by middle-aged and older users for large or formal transactions.

8. Competitive entrants in cross-border payments

  • Alipay+ respond in singing WeChat Pay: It mainly serves Chinese tourists and cross-border e-commerce, covering merchants in tourist hotspots such as Bali.
  • Doku: Indonesia's homegrown cross-border payment gateway that supports international e-commerce platform settlements.

🔍 In-depth market analysis

(1) Differences in user behaviour

crowds Preferred payment method rationale
Generation Z GoPay/ShopeePay High-frequency small purchases, game top-ups
Small and medium-sized enterprise owners OVO/DANA Tokopedia/Lazada e-commerce ecosystems
blue collar LinkAja/Cash Public transport subsidy scenario

(2) COD (cash on delivery) transformation

Despite the rapid growth of e-wallets, 351 TP3T* of e-commerce transactions in Indonesia are still paid for using cash. Strategies across platforms:

  • ShopeePay directs users to online prepayment through "shipping discounts".
  • Gojek offers drivers GoPay balance withdrawals to solve cash flow problems.

*(Source: Katadata Insight Centre, 2023)

🚀 Three trends for the future

  1. BI-FASTAccelerating penetration
    Bank Indonesia's real-time clearing system will facilitate second transfers between banks and e-wallets, potentially breaking down current ecological barriers.

  2. Buy Now Pay Laterexplosive growth*
    Penetration of local BNPL platforms such as Akulaku (integrated into DANA) and Kredivo in the 3C category increased by 200% annually.

  3. Digital Currency Pilotcautious progress*
    2024 may see an experimental scenario where central bank digital currencies (CBDC) and private stablecoins co-exist.

💡 Advice to Merchants/Outbound Businesses

1️⃣ multichannel integration: Must have access to both QRIS and at least 2 mainstream e-wallets (e.g. GoPay + OVO).
2️⃣ Rural strategy: Consider partnering with Indomaret/Alfamart convenience stores to broker top-up points to break through to cash users.

Need more specific data on a particular area? For example, payment preferences or regulatory policy details for a particular industry?