{"id":2978,"date":"2025-05-23T14:10:59","date_gmt":"2025-05-23T06:10:59","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2978"},"modified":"2025-05-23T14:10:59","modified_gmt":"2025-05-23T06:10:59","slug":"%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e9%81%87%e5%88%b0%e9%97%ae%e9%a2%98%e6%80%8e%e4%b9%88%e5%8a%9e%ef%bc%9f%e5%b8%b8%e8%a7%81%e6%95%85%e9%9a%9c%e4%b8%8e%e8%a7%a3%e5%86%b3%e6%96%b9%e6%b3%95","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/23\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e9%81%87%e5%88%b0%e9%97%ae%e9%a2%98%e6%80%8e%e4%b9%88%e5%8a%9e%ef%bc%9f%e5%b8%b8%e8%a7%81%e6%95%85%e9%9a%9c%e4%b8%8e%e8%a7%a3%e5%86%b3%e6%96%b9%e6%b3%95\/","title":{"rendered":"What to do if you encounter problems with Indonesia Payments? Common Troubleshooting and Solutions"},"content":{"rendered":"<p>Encountering problems when using payment platforms in Indonesia can be a real headache, but don't worry! Here are detailed solutions to common problems and practical advice to help you get back to trading quickly:<\/p>\n<h3>I. High-frequency problems and second-solution programmes<\/h3>\n<ol>\n<li><strong>Bank card declined<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\u2705 Do it now: check that the card number\/expiry date\/CVV is entered correctly (pay particular attention to the space for pasting the copy)<\/li>\n<li>\ud83d\udca1 Advanced processing: contact your bank to confirm:\n<ul>\n<li>Whether to enable cross-border payment (some Indonesian cards are switched off by default)<\/li>\n<li>Existence of a single transaction limit (e.g. BCA cards are usually limited to Rp 50 million per transaction)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>OVO\/DANA shows success despite low balance<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\ud83d\udd0d Diagnostic Steps:<br \/>\n\u2460Check e-wallet transaction records \u2192 \u2461Check bank debit records \u2192 \u2462Screenshot of discrepancies<\/li>\n<li>\ud83d\ude80 Official Channel:<br \/>\nOVO Customer Service Hotline: 1500-096<br \/>\nDANA Online Customer Service: \"Bantuan\" section in the app.<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li><strong>GoPay Merchant Scan Failure<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\ud83d\udcf1 The four-step process of elimination:\n<ol>\n<li>Camera permissions are turned on or not \u2192<\/li>\n<li>Is the APP the latest version \u2192<\/li>\n<li>WiFi\/mobile data switching test \u2192<\/li>\n<li><a href=\"https:\/\/gopay.co.id\/\">official website<\/a>Query Service Status<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n<h3>II. Professional-level Troubleshooting Guide<\/h3>\n<p><strong>Scenario 1: Repeat Deduction Dispute<\/strong><br \/>\n1. Retain all credentials (screenshots with timestamps, transaction IDs)<br \/>\n2. Complaints through the following channels:<\/p>\n<ul>\n<li>Bank Indonesia Complaint System:<a href=\"https:\/\/konsumen.bi.go.id\">https:\/\/konsumen.bi.go.id<\/a><\/li>\n<li>Fintech Complaint Line: (021)5299-8888<\/li>\n<\/ul>\n<p><strong>Scenario 2: Biometric failure<\/strong><br \/>\n<em>For applications such as Mandiri Bank's e-Cash<\/em><\/p>\n<pre><code class=\"language-python\"># Android users may try to reset the security environment:.<br>\r\nimport os<br>\r\nos.system('adb shell pm clear com.mandiri.eCash')<br>\r\n<\/code><\/pre>\n<p>III. Toolbox of preventive measures<br \/>\n1\ufe0f\u20e3 <strong>Network Optimisation<\/strong><br \/>\nIt is recommended to add DNS settings to improve connection stability:<\/p>\n<pre><code>Preferred DNS: 208.67.222.222 (OpenDNS)<br>\r\nAlternate DNS: 180.131.144.144 (Telkom Indonesia node)<br>\r\n<\/code><\/pre>\n<p>2\ufe0f\u20e3 <strong>Essential Emergency Contact List<\/strong><br \/>\n| Platform | Call Center | Response Time |<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;&#8212;|<br \/>\n| BCA Mobile | (021)1500888 | &lt;30 mins |<br \/>\n| LinkAja | +622157891234 | &lt;60 minutes |<\/p>\n<p>3\ufe0f\u20e3 <strong>Tips for avoiding exchange rate traps<\/strong><br \/>\nWhen presented with a dual currency option, insist on IDR settlement. 3% fee is usually added to Visa\/Mastercard dynamic exchange.<\/p>\n<p>IV. Strategies for coping with special periods<br \/>\nTake care during Ramadan:<br \/>\n\u26a0\ufe0f Increased frequency of banking system maintenance (usually 01:00am-04:00am WIB)<br \/>\n\u26a0\ufe0f Prior verification of identity required for large transfers (video verification required for transfers over Rp 25 million)<\/p>\n<p>If the above methods still do not solve your problem, it is recommended to bring the following documents to the nearest branch:<br \/>\n1) Mobile phone IMEI code (<em>#06# Enquiry)<br \/>\n2) Complete error log (Android can be entered in the dialling screen)<\/em>#9900# Export)<\/p>\n<p>Remember to clear the app cache after each operation and retry again! Most temporary issues can be resolved with this simple step.<\/p>\n<h3><strong>V. In-depth solutions to difficult problems<\/strong><\/h3>\n<h4><strong>1. E-wallets (OVO\/DANA\/GoPay) could not be topped up<\/strong><\/h4>\n<p>\ud83d\udd39 <strong>Probable Cause:<\/strong><\/p>\n<ul>\n<li>Bank 3D Secure authentication failed<\/li>\n<li>Operator SMS delayed (not received by OTP)<\/li>\n<li>E-wallet accounts are winded<\/li>\n<\/ul>\n<p>\u2705 <strong>Solution:<\/strong><\/p>\n<ol>\n<li><strong>Manually triggered bank verification<\/strong> \u2192 Log in to Internet Banking to confirm whether there is a pending transaction authorisation.<\/li>\n<li><strong>Change top-up method to try<\/strong> \u2192 OVO can be topped up offline using Indomaret and DANA supports Alfamart counter cash deposits.<\/li>\n<li><strong>Contact customer service to force a refresh of the account status<\/strong>(Some of the wind controls need to be lifted manually).<\/li>\n<\/ol>\n<p>\ud83d\udccc <em>tip<\/em>If you encounter OTP problems frequently, you can switch to Token hard authentication (BCA users can apply).<em>BCA Token<\/em>).<\/p>\n<hr>\n<h4><strong>2. QRIS scanner payment failure (applicable to ShopeePay\/LinkAja, etc.)<\/strong><\/h4>\n<p>\ud83d\udd39 <strong>Common error codes and meanings:<\/strong><br \/>\n| Code | Meaning | Solution | Code | Meaning | Solution | Code | Meaning | Solution<br \/>\n|&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;|<br \/>\n| M10 | Merchant QR Code has expired | Let merchant refresh QR Code |<br \/>\n| AE20 | Bank ID mismatch | Re-bind Default Payment Account in APP |<br \/>\n| X55 | BI System Delay | Retry after &lt;5 mins |<\/p>\n<p>\u26a0\ufe0f <em>take note of<\/em>: If the same error occurs several times, it may be the BI clearing system maintenance, which can be queried <a href=\"https:\/\/www.bi.go.id\">RBI Service Status<\/a>.<\/p>\n<hr>\n<h3><strong>VI. Handling of special issues in cross-border payments<\/strong><\/h3>\n<h4><strong>(Applicable to Alipay+\/WeChat Pay International users)<\/strong><\/h4>\n<p>\ud83c\udf0f <em>typical scenario<\/em>: Chinese tourists were denied payment using Alipay+ in Indonesia.<\/p>\n<p>\u2705 <strong>Step-by-step troubleshooting guide<\/strong>:<br \/>\n1\ufe0f\u20e3 \u3010Check\u3011 Whether you have enabled the function of \"Overseas Transaction\" (some domestic bank cards are disabled by default).<br \/>\n2\ufe0f\u20e3 [Change Card] Prefer foreign currency cards cooperating with Alipay (e.g. China Merchants Bank Visa All Currency Card).<br \/>\n3\ufe0f\u20e3 [Amount Split] A single payment of more than Rp 5 million is vulnerable to risk control \u2192 Split into multiple payments.<\/p>\n<p>\ud83d\udca1 <em>alternative<\/em>: Directly use the localisation programme \u2192 Download the \"DANA\" App and then authenticate your passport with your real name to bind an international credit card.<\/p>\n<hr>\n<h3><strong>VII. Guidelines for avoiding pitfalls in high-risk operations<\/strong><\/h3>\n<p>\ud83d\udeab <em><strong>Don't do these things.<\/strong><\/em> \ud83d\udeab<br \/>\n\u274c Switching IP addresses for payments with a VPN \u2192 An AML alert is triggered!<br \/>\n\u274c Changing device login accounts frequently \u2192 may result in a 72-hour freeze!<br \/>\n\u274c Sharing screenshots of payment codes to strangers \u2192 QRIS dynamic codes may be stolen!<\/p>\n<p>\ud83d\udee1\ufe0f <em><strong>Security recommendations<\/strong><\/em>:<br \/>\n\u2714\ufe0f enables dual biometric + 6-digit PIN authentication<br \/>\n\u2714\ufe0f Monthly checks<a href=\"https:\/\/trustpositif.kominfo.go.id\">Kominfo Blacklist<\/a>Avoid Counterfeit Apps<\/p>\n<hr>\n<h3>\ud83d\udcde The Ultimate Help Wanted Channel<\/h3>\n<p>If all methods are ineffective:<\/p>\n<ol>\n<li><strong><a href=\"https:\/\/konsumen.ojk.go.id\">OJK Financial Complaints Platform<\/a><\/strong> (Official regulator, 48-hour response time)<br \/>\n2.<strong>The Twitter Rapid Attack Method<\/strong>:: @mention official account + #GagalBayar (example: \"@Tokopedia Saya tidak bisa bayar! #GagalBayar\")<\/li>\n<\/ol>\n<blockquote>\n<p>\u23f0 Remember the golden rule - any transaction that has been outstanding for more than 24 hours must be appealed immediately!<\/p>\n<\/blockquote>\n<p>Need more specific help? Please provide the following information for an accurate diagnosis:<br \/>\n\ud83d\udd38 Screenshot of specific error reporting (with timestamp)<br \/>\n\ud83d\udd38 ISP operator used (Telkomsel\/XL\/Indosat?)<br \/>\n\ud83d\udd38 Transaction amount and merchant name<\/p>","protected":false},"excerpt":{"rendered":"<p>Encountering problems when using payment platforms in Indonesia can be a real headache, but don't worry! Here are the pin...<\/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-2978","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) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u5370\u5c3c\u652f\u4ed8\u9047\u5230\u95ee\u9898\u600e\u4e48\u529e\uff1f\u5e38\u89c1\u6545\u969c\u4e0e\u89e3\u51b3\u65b9\u6cd5 - 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, 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