{"id":2847,"date":"2025-05-19T19:08:12","date_gmt":"2025-05-19T11:08:12","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2847"},"modified":"2025-05-19T19:08:12","modified_gmt":"2025-05-19T11:08:12","slug":"%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e4%bd%bf%e7%94%a8%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/19\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e4%bd%bf%e7%94%a8%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%9f\/","title":{"rendered":"How can foreigners use local payments in Indonesia?"},"content":{"rendered":"

Foreigners (non-residents of Indonesia) may face some restrictions in using local payment methods in Indonesia, but payments can be done legally and compliantly by the following methods:<\/p>\n

\n

I. Main available local Indonesian payment methods<\/strong><\/h3>\n
    \n
  1. \n

    Bank transfers (Transfer Bank)<\/strong><\/p>\n

      \n
    • Applicable to: Foreigners with an Indonesian bank account.<\/li>\n
    • How it works:\n
        \n
      • Open an Indonesian bank account (KITAS\/KITAP work or residence visa required).<\/li>\n
      • Transfer funds via ATM, mobile banking or internet banking (e.g. BCA, Mandiri, BNI, etc.).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n
      • \n

        Electronic Wallet (E-Wallet)<\/strong><\/p>\n

          \n
        • GoPay<\/strong> (Gojek),OVO<\/strong>, andDANA<\/strong>, andShopeePay<\/strong>etc.<\/li>\n
        • Suitable for: short-term visitors or foreigners who are unable to open a bank account.<\/li>\n
        • How it works:\n
            \n
          • Register with an Indonesian mobile phone number (local SIM card purchase required).
            \ntake note of<\/em>: Some wallets require real-name authentication (local ID\/passport + KITAS required) and may not have full access to all features.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n
          • \n

            Convenience store cash top-ups (Indomaret\/Alfamart)<\/strong><\/p>\n

              \n
            • Suitable for: unbanked or e-wallet unauthenticated users.<\/li>\n<\/ul>\n<\/li>\n
            • \n

              Credit\/Debit Card Payment (Visa\/Mastercard)<\/strong>
              \nInternational credit cards are available at larger merchants, but smaller merchants usually only support local cards.<\/p>\n<\/li>\n

            • \n

              QRIS (Unified QR Code Payment)<\/strong>
              \nPayment can be made by scanning the code through e-wallets that support cross-border payments.<\/p>\n<\/li>\n<\/ol>\n

              \n

              II. Key steps and precautions for the use of foreigners<\/strong><\/h3>\n
                \n
              1. Authentication problem solutions<\/strong>:<\/li>\n<\/ol>\n
                  \n
                • SIM card: buy a local number (e.g. Telkomsel) to register an account.<\/li>\n
                • KYC authentication: some platforms allow passport + visa completion, but functionality may be limited.<\/li>\n
                • OVO and DANA have more restrictions on non-residents, so we recommend trying GoPay\/ShopeePay first.<\/li>\n<\/ul>\n

                  2.What if I don't have a permanent address?<\/strong>
                  \nEither use a hotel address or select the \"foreign user\" option (if provided) when registering.<\/p>\n

                  3. Cash recharge channels.
                  \n-Indomaret\/Alfamart counters can top up wallets such as GoPay by quoting your mobile phone number.
                  \n-Maximum single top-up amount is usually Rp 2 million (approx. US$130)<\/p>\n

                  4. Exchange rate alerts.
                  \nIt is advisable to compare the official exchange rate with the exchange rate at the point of exchange, as Big Denomination notes usually have a better rate.<\/p>\n

                  5. Alternative programmes.
                  \n-Wise cross-border transfers to local accounts
                  \n-Seek assistance from a trusted local agent (be careful to verify your identity)<\/p>\n

                  6. Security reminders.
                  \nAvoid making large transactions on public WiFi
                  \nEnable all available 2FA authentication measures<\/p>\n

                  7. Tax Notes.
                  \nA single transaction of more than 10 million IDRs may require a declaration of the source of funds<\/p>\n

                  \n

                  III Frequently Asked Questions.<\/p>\n

                  Q:Can I open a full-featured eWallet with my travel visa?
                  \nA: Basically, you can open an account with limited functions, and the daily cumulative transaction limit is about 5 million IDR (about $320)<\/p>\n

                  Q:Are there any special restrictions for Chinese citizens?
                  \nA: No additional restrictions except the standard rules, Alipay can also be used in Bali and other tourist areas.<\/p>\n

                  Q:How can I check the nearest Cash Recharge Point?
                  \nAll e-wallet apps have a locator function, or you can ask the hotel reception directly.<\/p>\n

                  IV. Advanced Tips for Foreigners to Use Indonesia Payment<\/strong><\/h3>\n

                  1. How can I bypass some of the KYC restrictions?<\/strong><\/h4>\n
                    \n
                  • GoPay (Gojek)<\/strong>: Foreign passports are allowed to register, but transaction limits are low (usually Rp 5 million for a single day).<\/li>\n
                  • ShopeePay<\/strong>: More tourist friendly, basic authentication can be done with passport + hotel address.<\/li>\n
                  • DANA\/OVO<\/strong>: KTP (Indonesian Identity Card) or KITAS is strictly required and is more difficult to use for short-term travellers.<\/li>\n<\/ul>\n

                    \u2705 prescription<\/em>: Try registering multiple wallets after purchasing a local prepaid SIM card and choose the one with the least restrictions.<\/p>\n

                    \n

                    2. How can I collect money if I do not have a bank account?<\/strong><\/h4>\n

                    If there is a need to receive funds in Indonesia (e.g. freelancers, remote workers):<\/p>\n

                      \n
                    • With Wise (TransferWise) \u2192 you can generate a virtual Indonesian bank account to receive payments.<\/li>\n
                    • PayPal withdrawals to local agent's bank account (fees apply).<\/li>\n<\/ul>\n

                      \u26a0\ufe0f take note of<\/em>: Avoid frequent large transfers that could trigger anti-money laundering scrutiny.<\/p>\n

                      \n

                      3. Special advantages of QRIS payments<\/strong><\/h4>\n

                      QRIS is a unified QR code standard implemented by Bank Indonesia to support cross-border payment scenarios:
                      \n\u2705 Visa\/Mastercard international cards can be scanned for payment after binding to the e-wallet.
                      \n\u2705 Some merchants support direct scanning of Alipay + WeChat payment (especially in Bali).<\/p>\n

                      \ud83d\udd0d How can I identify merchants with available QRIS?<\/em>--Look for the blue-green QRIS logo sticker.<\/p>\n

                      \n

                      V. Recommendation of optimal payment solutions for each scenario<\/strong><\/h3>\n\n\n\n\n\n\n\n\n
                      Usage Scenarios<\/th>\nRecommendation<\/th>\n<\/tr>\n<\/thead>\n
                      \u2705Daily Small Consumption (Convenience Stores\/Snack Stalls)<\/td>\nGoPay\/ShopeePay Cash Recharge<\/td>\n<\/tr>\n
                      \u2705Online Shopping (Tokopedia\/Bukalapak)<\/td>\nBCA virtual account (can be generated via Indomaret Cash Payment)<\/td>\n<\/tr>\n
                      \u2705 Taxi & Takeaway (Grab\/Gojek)<\/td>\nGrabPay Balance or Bind International Credit Card<\/td>\n<\/tr>\n
                      \u2705Hotel\/airfare large payments<\/td>\nWise cross-border transfers or direct swipe of international cards<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                      \n

                      VI. Additional answers to high-frequency questions
                      \n\u2753 Asked, \"Can I just register with a foreign mobile phone number?\"
                      \n\u2192The local app of 90% will force +62 number verification, so it is recommended to buy a Telkomsel\/Xl Sim card on the day of arrival.<\/p>\n

                      \u2753 Asked, \"Are local payments not required at all in Bali?\"
                      \n\u2192 70% merchants in tourist areas accept credit cards\/Alipay, but cash or GoPay is still required for localised areas (e.g. traditional markets).<\/p>\n

                      \u2753 Asked, \"What if my e-wallet is stolen?\"
                      \n\u2192 Immediately contact customer service to freeze the account, retain the transaction screenshot police record (police report is a mandatory document for complaints)<\/p>\n

                      \n

                      VII. Special Reminders for Safe Card Use
                      \n\ud83d\udd10 High-risk behaviour.
                      \n\u2716\ufe0f Saving card information on non-HTTPS websites
                      \n\u2716\ufe0f agrees to the merchant's \"debit authorisation\" (potong langsung).
                      \n\u2714\ufe0f Precautionary advice.
                      \n- Banks like BCA have more secure virtual account features
                      \n- Setting daily transaction limits<\/p>\n

                      If you need detailed instructions on how to do a specific part of the process (e.g. how to accurately express your top-up needs at the Indomaret counter), let me know the part you'd like to dive into!<\/p>","protected":false},"excerpt":{"rendered":"

                      Foreigners (non-residents of Indonesia) using local payment methods in Indonesia may face a...<\/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-2847","post","type-post","status-publish","format-standard","hentry","category-39"],"yoast_head":"\n\u5916\u56fd\u4eba\u5982\u4f55\u4f7f\u7528\u5370\u5ea6\u5c3c\u897f\u4e9a\u672c\u5730\u652f\u4ed8\uff1f - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/05\/19\/\u5916\u56fd\u4eba\u5982\u4f55\u4f7f\u7528\u5370\u5ea6\u5c3c\u897f\u4e9a\u672c\u5730\u652f\u4ed8\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5916\u56fd\u4eba\u5982\u4f55\u4f7f\u7528\u5370\u5ea6\u5c3c\u897f\u4e9a\u672c\u5730\u652f\u4ed8\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u5916\u56fd\u4eba\uff08\u975e\u5370\u5c3c\u5c45\u6c11\uff09\u5728\u5370\u5ea6\u5c3c\u897f\u4e9a\u4f7f\u7528\u672c\u5730\u652f\u4ed8\u65b9\u5f0f\u53ef\u80fd\u4f1a\u9762\u4e34\u4e00…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/19\/\u5916\u56fd\u4eba\u5982\u4f55\u4f7f\u7528\u5370\u5ea6\u5c3c\u897f\u4e9a\u672c\u5730\u652f\u4ed8\uff1f\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-19T11:08:12+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/19\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e4%bd%bf%e7%94%a8%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%9f\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/19\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e4%bd%bf%e7%94%a8%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%9f\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5916\u56fd\u4eba\u5982\u4f55\u4f7f\u7528\u5370\u5ea6\u5c3c\u897f\u4e9a\u672c\u5730\u652f\u4ed8\uff1f\",\"datePublished\":\"2025-05-19T11:08:12+00:00\",\"dateModified\":\"2025-05-19T11:08:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/19\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e4%bd%bf%e7%94%a8%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%9f\/\"},\"wordCount\":98,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u5370\u5c3c\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/05\/19\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e4%bd%bf%e7%94%a8%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%9f\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/19\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e4%bd%bf%e7%94%a8%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%9f\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/05\/19\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e4%bd%bf%e7%94%a8%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%9f\/\",\"name\":\"\u5916\u56fd\u4eba\u5982\u4f55\u4f7f\u7528\u5370\u5ea6\u5c3c\u897f\u4e9a\u672c\u5730\u652f\u4ed8\uff1f - 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