Comparison of Payment Gateway Integration Solutions in Indonesia

Mainstream Payment Gateways Overview

1. Doku

• cutting edge::
  • Indonesia's Leading Local Payment Service Provider
  • Support multiple local bank transfers (ATM, Internet Banking)
  • Mandiri Clickpay and BCA KlikPay Integration
• inferior::
  • API documentation is mainly in Indonesian
• cost: Transaction fee 2.5%-3%

2. Midtrans (formerly Veritrans)

• cutting edge::
  • Gojek's company with high market penetration
  • "One-Click" quick checkout function
  • Fraud detection system improved
• inferior::
  • Higher PCI DSS compliance requirements
• cost:: 1.5%-3% + fixed costs

Xendit

• cutting edge
  • API friendly and good developer experience
  • QRIS Standard QR Code Payment Support
    - Direct integration of OVO and DANA e-wallets

Key Comparison Factors

Implementation Considerations

For SMEs: Xendit offers the most streamlined integration process, with basic functionality live within 72 hours.

For Enterprise: Midtrans' customised fraud prevention solutions are better suited to large transaction scenarios.

# Comparison of Indonesian Payment Gateway Integration Solutions (continued)

In-depth feature comparison

3. OVO Pay
- Core strengths:
- Indonesia's largest e-wallet (90 million + users)
- Gojek ecological depth integration
- "PayLater" instalment function
- Special restrictions:
- Access for Indonesian registered businesses only
- Separate application for business account required

4. LinkAja (formerly TCash)
- Government background: joint development by Telkomsel, Bank Mandiri and other State enterprises
- Featured Services:
- High coverage of Pulsa recharge scenarios
- BPJS Social Security Payment Channel
- Rate structure: 1.5% base rate + stepped incentives

API Technical Indicator Comparison

| Service | Average API Latency | Webhook Reliability | SDK Support |
|—————|——————–|———————|————-|
| Doku | ~450ms | 99.2% | Java/PHP |
| Midtrans | ~380ms | 99.8% | Multi-platform |
| Xendit | ~320ms | 99.9% | React Native exclusive |

Regulatory Compliance Focus Differences

1. BPI Certification Requirements: Doku and LinkAja are fully licensed by Bank Indonesia, while international service providers need to land through local partners

2. Tax treatment differences
"`Mermaid
graph TD.
A[Transaction Amount] -> B{Gateway Type}.
B -> |Local Licence Gateway| C [automatic deduction of PPN].
B ->|International Gateway/PSP Mode
Such as Stripe Indonesia
Connected Accounts programme
VAT filing required]
“`

3. Data Residency Policy: E-wallets such as OVO/DANA compel users' data to be stored in data centres in Indonesia

Niche Payment Methods specialised support

*Religion-related payments*.
- Doku offers exclusive access to "Zakat Online" zakat donations.
- Bank Syariah Indonesia's proprietary interface is only available in Midtrans Enterprise Edition.

* Hyperlocalised payments*.
1. Alfamart/Indomaret convenience store collection.
"`javascript
// Xendit retail code example
xendit.createRetailPayment({
store_code: 'ALFA_001', //chain shop code required
valid_until: '2024-03