Recommended cross-border platforms that support Indonesian payments

Here are recommendations for cross-border platforms that support Indonesian payments, covering e-commerce, digital services and localised payment solutions:

I. Mainstream cross-border e-commerce platforms (supporting local payments in Indonesia)

1. Shopee Indonesia

   • Southeast Asia's largest e-commerce platform, support:
     • OVO(Mainstream e-wallet in Indonesia)
     • DANA
     • LinkAja
     • Bank transfers (BCA, Mandiri, etc.)
   • Suitable for small and medium-sized sellers with mature localised operations.

2. Tokopedia(Acquired by GoTo Group)

   • Indonesia's largest local C2C platform, payment methods include:
     • GoPay (integrated with Gojek ecosystem)
     • OVO/bank transfer/convenience shop cash payment (Alfamart/Indomaret).

3. Lazada Indonesia

   • Ali system platform, support: OVO, DANA, bank transfer. Suitable for brand sellers.

4. Bukalapak

   • A local integrated e-commerce company that supports Mitra Bukalapak (cash payment at offline agent points) and covers unbanked users.

II. International SaaS-based platforms (support for Indonesian collections)

1. 2Checkout
   (now known as Verifone)
   ✔️ supports credit card + localised gateway access to OVO/DANA.

2. Stripe + Xendit cooperation programme:
   Access to Indonesian e-wallets and bank transfers via Xendit.

3. MOLPay / iPay88:
   Commonly used gateway in Southeast Asia covering convenience store cash payment channels.

III. Recommendations for digital products/subscription services

1. FastSpring:
   Fully hosted payment page with automatic processing of OVO/DANA payments.

2. Paddle:
   Built-in tax compliance management + localised refund processing.

⚠️ Notes:

• Licence compliance: Ensure that you use a payment gateway that holds a BI (Bank Indonesia Licence). For example, Xendit is a legally licensed organisation.
• High percentage of COD: Some remote areas still rely on cash on delivery.
• Religious and Cultural Sensitivity: The surge in transactions during the month of Ramadan requires advance provisioning.

It is recommended to give preference to solutions integrated with local partners in order to reduce the rejection rate. Specific technical interfacing documentation is available for further communication!

Okay, here are further additions on cross-border payments in Indonesia, covering Payment habits, risk aversion, emerging trends respond in singing Hands-on advice::

IV. In-depth analysis of Indonesia's payment habits

1. E-wallet dominance::

   • OVO (market share ~40%), GoPay (tied to Gojek ecosystem), and DANA (Alipay JV) are the top three wallets.
   • crux: Users usually top up their e-wallet balances through convenience stores rather than tying their cards directly.

2. Bank transfer preferences::

   • The Virtual Account system is widely used by banks such as BCA (Mandiri), BNI, etc. and supports one-time payment without the risk of rejection.

3. cash economy residuals::

   • Alfamart/Indomaret convenience store offline collection still accounts for 15%-20% transactions for low unit price or rural users.

V. High-risk and compliance traps

1. Licence blacklisting to avoid pitfalls::

   • Avoid using unlicensed aggregators (e.g. some Chinese third-party payment companies), where BI's regular clearances lead to frequent cases of frozen funds.

2. Typical Reasons for Sealing::

   • Collections from businesses that have not submitted their NPWP (taxpayer number);
   • High-frequency, large-value transactions trigger anti-money laundering scrutiny.

3. Impact of religious holidays::
   During the month of Ramadan, logistics delays increase by 30%, so you need to mark "Delivery may be delayed" on the payment page in advance.

VI. Emerging Solutions 2024

1. XenditOne Click Binding" function:
   Allow users to save e-wallet information to boost repurchase rates (similar to PayPal's Express Checkout).

2. DOKUQRIS integration:
   Unified scanning payment standard, compatible with all local wallets + bank APPs.

3. Cryptocurrency Trial Applications:
   Some high-end e-commerce companies in Jakarta accept BTC/USDT via Pintu (Special licence required).

VII. Scenario Selection Recommendations

🔥 Ultimate Reminder:

• Test Sandbox Environment: All gateways are provided with a test mode, making sure to simulate anomalous flows such as low OVO balance/banking timeout.
• Customer Service Language : Only 30% platform supports English work orders, and it is recommended to hire a local agent to handle dispute disputes.

If you need a breakdown of a specific part of the process (e.g. how to apply for a Xendit merchant account), let me know!