{"id":2721,"date":"2025-05-15T14:56:11","date_gmt":"2025-05-15T06:56:11","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2721"},"modified":"2025-05-15T14:56:11","modified_gmt":"2025-05-15T06:56:11","slug":"woocommerce-%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%e6%8f%92%e4%bb%b6%e6%8e%a8%e8%8d%90","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/15\/woocommerce-%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%e6%8f%92%e4%bb%b6%e6%8e%a8%e8%8d%90\/","title":{"rendered":"WooCommerce + Indonesia Payment Gateway Plugin Recommendation"},"content":{"rendered":"<p>When integrating a payment gateway on WooCommerce for the Indonesian market, you need to choose a plugin that supports the major local payment methods (e.g. bank transfer, e-wallet, convenience store payment, etc.). Below are the recommended solutions and key considerations for the Indonesian market:<\/p>\n<hr>\n<h3><strong>I. Dedicated Indonesia Payment Gateway Plugin<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>Midtrans (Veritrans)<\/strong><\/p>\n<ul>\n<li><strong>cutting edge<\/strong>::\n<ul>\n<li>Supports e-wallets such as OVO, DANA, LinkAja, etc., as well as ATM transfers (BCA\/Mandiri\/BNI, etc.), and Alfamart\/Indomaret convenience store payments.<\/li>\n<li>Provides one-click installation of WooCommerce plugin with sandbox testing support.<\/li>\n<li>Suitable for small to medium sized businesses with no monthly fee (per transaction).<\/li>\n<\/ul>\n<\/li>\n<li><strong>link (on a website)<\/strong>::<a href=\"https:\/\/midtrans.com\/integration#woocommerce\">Midtrans WooCommerce<\/a><\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Xendit<\/strong><\/p>\n<ul>\n<li><strong>cutting edge<\/strong>::\n<ul>\n<li>Covers credit cards, virtual accounts (VA), retail outlets (Alfamart\/KiosON), QRIS scanner payments.<\/li>\n<li>API friendly and suitable for customised development by technical teams.<\/li>\n<\/ul>\n<\/li>\n<li><strong>take note of<\/strong>: Manual integration or use of third-party developed Xendit WooCommerce plugins (e.g.<a href=\"https:\/\/docs.xendit.co\/\">Xendit Official Documentation<\/a>).<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>DOKU<\/strong> (local veteran payment)<\/p>\n<ul>\n<li>Supports credit card instalments, direct bank links and e-wallets. Official WooCommerce plugin provided.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>II. International Common Gateway + Indonesia Localisation<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>Stripe + Local Payment Methods<\/strong><\/p>\n<ul>\n<li>Stripe indirectly supports some Indonesian channels (e.g. Jenius Pay) through partners. Need to confirm currently supported local options.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>2Checkout (now Verifone)<\/strong><br \/>\nPartially integrates Indonesian bank transfers, but coverage is not as good as Midtrans\/Xendit.<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>III. \"Convergent\" solutions<\/strong><\/h3>\n<ol>\n<li>\n<p><strong><a href=\"https:\/\/www.doku.com\/jokul\">Jokul by DOKU<\/a><\/strong> (formerly DOKU New Brand)<br \/>\nOne-stop aggregation gateway, especially suitable for e-commerce platforms.<\/p>\n<\/li>\n<li>\n<p><strong><a href=\"https:\/\/ipaymu.com\/plugins\/woocommerce-plugin-ipaymu\/\">iPaymu<\/a><\/strong><br \/>\nSimple integration but more basic functionality.<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3>\u2705 <strong>Selection advice<\/strong><\/h3>\n<ul>\n<li><em>Priority Local Services<\/em>: Midtrans or Xendit have the widest coverage and compliance; mandatory if OVO\/DANA is commonly used by target users.<\/li>\n<li><em>Large transactions<\/em>: Consider DOKU's credit card instalment feature.<\/li>\n<li><em>Few development resources<\/em>: Go live quickly with the official Midtrans plugin; a technical team is available for deep customisation of the Xendit API.<\/li>\n<li><em>test environment<\/em>: All services require the application of a merchant account and the testing of the actual payment process for smoothness.<\/li>\n<\/ul>\n<hr>\n<h3>\u26a0\ufe0f Notes<\/h3>\n<ol>\n<li>PCI compliance requirements ensure that server security configurations are up to standard.<\/li>\n<li>OVO\/LinkAja etc. may require a separate merchant qualification.<\/li>\n<li>Rate comparison: e-wallets are usually 0.5%-1% higher than bank transfers.<\/li>\n<\/ol>\n<p>It is recommended to contact the candidate vendor first to confirm the latest list of supported channels and rate structure!<\/p>\n<h3><strong>IV. In-depth comparison: Midtrans vs Xendit vs DOKU<\/strong><\/h3>\n<p>Here are the core differences between the three main payment gateways in Indonesia to help you choose based on your business needs:<\/p>\n<table>\n<thead>\n<tr>\n<th><strong>Functions\/Services<\/strong><\/th>\n<th><strong>Midtrans<\/strong><\/th>\n<th><strong>Xendit<\/strong><\/th>\n<th><strong>DOKU (Jokul)<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Mainstream payment method coverage<\/strong><\/td>\n<td>OVO, DANA, LinkAja, ATM transfers, Alfamart\/Indomaret convenience store payments<\/td>\n<td>QRIS, Virtual Account (VA), Alfamart\/KiosON, credit card instalments (application required)<\/td>\n<td>Credit Card Instalment (strong), OVO, DANA (partial), Bank Transfer<\/td>\n<\/tr>\n<tr>\n<td><strong>WooCommerce Plugin<\/strong><\/td>\n<td>\u2705 Official plugin, one-click installation<\/td>\n<td>\u274c Requires third-party plug-in or API development<\/td>\n<td>\u2705 Official Plugin<\/td>\n<\/tr>\n<tr>\n<td><strong>Handling Fee Reference<\/strong>*<\/td>\n<td>- E-wallet: ~1.5% <br \/>- ATM Transfer: ~1% <br \/>- Alfamart: ~2% fixed fee<\/td>\n<td>- QRIS: ~0.7-1.5% <br \/>- VA Transfer: ~1-2K IDR\/stroke + % Rate<\/td>\n<td>- Credit Card: ~3-4% (with instalments)<br \/>- eWallet: ~2%+<\/td>\n<\/tr>\n<tr>\n<td><strong>Scenario<\/strong><\/td>\n<td>-Small and medium-sized e-commerce<br \/>-Needs to go live quickly<\/td>\n<td>-Medium and large enterprises<br \/>-Needs customised integration<\/td>\n<td>-High-unit-price goods (reliance on credit card instalments)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>Note: Rates may fluctuate due to volume negotiation and need to be confirmed with the vendor for the latest price.<\/em><\/p>\n<hr>\n<h3><strong>V. Step-by-step guide: Midtrans as an example<\/strong><\/h3>\n<h4><strong>(For merchants with a weak technology base)<\/strong><\/h4>\n<ol>\n<li>\n<p><strong><a href=\"https:\/\/dashboard.midtrans.com\/register\">Register for a Midtrans Merchant Account<\/a><\/strong><br \/>\n-Submit company information (individual sellers can use ID cards instead of business licences).<\/p>\n<\/li>\n<li>\n<p><strong>Install WooCommerce plugin<\/strong><br \/>\n-Search for \"Midtrans\" official plugin in Word and activate it.<\/p>\n<\/li>\n<li>\n<p><strong>Configure keys and payment channels<\/strong><br \/>\n-From the Midtrans dashboard<code>Server Key<\/code>respond in singing<code>Client Key<\/code>Fill in the WooCommerce settings page.<br \/>\n-Tick the desired payment method (e.g. OVO\/Alfamart).<\/p>\n<\/li>\n<li>\n<p><strong><a href=\"https:\/\/docs.midtrans.com\/docs\/testing-payment-methods\">Test Transactions<\/a><\/strong><br \/>\n-Use sandbox mode to simulate the user payment process and ensure that the channels are jumping properly.<\/p>\n<\/li>\n<li>\n<p><em>pre-launch necessity<\/em>: Contact customer service to apply for production environment permissions and submit website record information.<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3>\u2757\ufe0f Frequently Asked Questions<\/h3>\n<h4>Q1: Users report that the ATM transfer option is not displayed?<\/h4>\n<p>\u2192 <em>Check that bank channels such as BCA\/Mandiri are turned on in the back office, some banks require separate activation.<\/em><\/p>\n<h4>Q2\uff1aOVO payment failed with \"Merchant not registered\"?<\/h4>\n<p>\u2192 <em>E-wallets require an additional merchant application to be submitted to OVO\/DANA (takes 3-7 business days).<\/em><\/p>\n<h4>Q3: How can I reduce the cost of handling fees?<\/h4>\n<p>\u2192 <em>Strategy.<\/em><\/p>\n<ul>\n<li>Negotiate volume discounts with Midrans\/Xendit (&gt;1000 transactions\/month negotiable).<\/li>\n<li>For bank transfers only use Xendit (fixed fee is more cost effective).<\/li>\n<\/ul>\n<hr>\n<h3>\ud83d\udd0d Advice on Advancement<\/h3>\n<ol>\n<li><em><strong>Multi-gateway backup<\/strong><\/em> If the average daily order exceeds 500 units, it is recommended to also integrate Xendit as a second gateway to triage the risk.<\/li>\n<li><em><strong>Localisation Optimisation<\/strong><\/em> : Add Indonesian instructions and common bank logos on checkout pages to boost trust.<\/li>\n<li><em><strong>Anti-fraud tools<\/strong><\/em> : Enable Xendit's<a href=\"https:\/\/developers.xendit.co\/api-reference\/#risk-control\">Risk Control<\/a>or MidTrans for 3DS verification.<\/li>\n<\/ol>\n<p>If you need screenshots of the configuration of a specific plugin or encounter error code troubleshooting, you can tell me your specific usage scenario!<\/p>","protected":false},"excerpt":{"rendered":"<p>When integrating a payment gateway for the Indonesian marketplace on WooCommerce, you need to select the support...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[39],"tags":[],"class_list":["post-2721","post","type-post","status-publish","format-standard","hentry","category-39"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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