{"id":2997,"date":"2025-05-24T10:48:15","date_gmt":"2025-05-24T02:48:15","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2997"},"modified":"2025-05-24T10:48:15","modified_gmt":"2025-05-24T02:48:15","slug":"%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%af%b9%e7%8b%ac%e7%ab%8b%e7%ab%99%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%bd%b1%e5%93%8d","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/24\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%af%b9%e7%8b%ac%e7%ab%8b%e7%ab%99%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%bd%b1%e5%93%8d\/","title":{"rendered":"The Impact of Indonesian Payments on Independent Site Conversions"},"content":{"rendered":"<p>As one of the largest digital economies in Southeast Asia, Indonesia's unique payment ecosystem is critical to the impact of independent site conversion rates. Below is an analysis of Indonesia's payment characteristics and optimisation strategies in terms of key dimensions:<\/p>\n<p>I. Core influencing factors<\/p>\n<ol>\n<li>Insufficient localised payment coverage<\/li>\n<\/ol>\n<ul>\n<li>Supporting only international cards (Visa\/Mastercard) will lead to loss of potential customers for 78%<\/li>\n<li>E-wallets like OVO\/DANA account for 43% of e-commerce transactions (2023 data)<\/li>\n<li>Bank transfers accounted for 311 TP3T, of which BCA Bank had a sole market share of 621 TP3T<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>Payment failure rates remain high<\/li>\n<\/ol>\n<ul>\n<li>Average 3D Secure authentication failure rate of 28%<\/li>\n<li>Unstable API connections to e-wallets such as GoPay cause 15% transaction disruptions<\/li>\n<\/ul>\n<p>II. Portfolio of high-conversion payment programmes<\/p>\n<ol>\n<li>\n<p>Must pick up the channel:<\/p>\n<ul>\n<li>LinkAja (SOE background, covering 17 million users)<\/li>\n<li>BCA KlikPay (banking preferred)<\/li>\n<li>Indomaret offline collection (for the unbanked)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>Innovative approaches:<\/p>\n<ul>\n<li>PayLater instalments can boost customer unit prices 37%<\/li>\n<li>QRIS Unified QR Code System Reduces Jump Churn<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>III. Technical optimisation points<\/p>\n<ol>\n<li>Responsiveness:<\/li>\n<\/ol>\n<ul>\n<li>Local server deployment reduces payment page load time from 5.2s to 1.8s<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>Failover mechanism:<\/li>\n<\/ol>\n<ul>\n<li>The success rate of automatic switching of aggregation gateways such as Doku can reach 99.6%<\/li>\n<\/ul>\n<p>IV. Compliance Minefield Warning<\/p>\n<ol>\n<li>BPJPH Halal Certification Requirements:<\/li>\n<\/ol>\n<h3><strong>IV. Compliance minefield warnings (continued)<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>BPJPH Halal Certification Requirements<\/strong><\/p>\n<ul>\n<li>Indonesia is the largest Muslim market in the world, and categories such as food, beauty and health products need to be certified by BPJPH (Indonesian Halal Product Certification Bureau).<\/li>\n<li>Uncertified goods can lead to payment interception and even customs detention.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>PSE (electronic system operator) registration<\/strong><\/p>\n<ul>\n<li>From 2023, all standalone stations involving Indonesian user data must be filed with the Ministry of Communications or risk payment channel closure.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Value Added Tax (VAT) and Cross-Border Tax Compliance<\/strong><\/p>\n<ul>\n<li>Single transactions over $75 are subject to 11% VAT (will increase to 12% in 2024). Some payment gateways will withhold the tax, but failure to do so correctly may result in customs clearance delays or penalties.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>V. Consumer Trust Enhancement Strategies<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>Localised Trust Symbol Display<\/strong>::<\/p>\n<ul>\n<li>Adding a local payment LOGO such as DOKU\/OVO to the checkout page can boost 19% conversions.<\/li>\n<li>The \"Bayar di Indomaret\" (Convenience Store Payment) option reduces the abandonment rate of new users 33%.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Instalment Optimisation<\/strong>::<\/p>\n<ul>\n<li>Buy-and-pay services such as Akulaku and Kredivo have a penetration rate of 41% among young people, and the provision of 0% interest instalments can increase unit prices by 25%.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>COD (Cash on Delivery) fine-tuned management<\/strong>::<\/p>\n<ul>\n<li>COD order share is still as high as 351 TP3T, but rejection rates may exceed 201 TP3T. solutions:<br \/>\n\u2713 Pre-authorisation to freeze part of the amount (e.g. GoPay's PayLater COD feature).<br \/>\n\u2713 Mandatory OTP verification of number authenticity when placing an order.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>VI. Data-driven A\/B testing recommendations<\/strong><\/h3>\n<ol>\n<li><strong>Payment Sorting Experiment<\/strong>:<br \/>\nTest a sample of the effects of different channel alignment orders:<\/li>\n<\/ol>\n<pre><code>Option A: OVO \u2192 DANA \u2192 BCA Transfer \u2192 Credit Card (best local transfer) <br>\r\nOption B: Credit Card \u2192 PayPal \u2192 Bank Transfer (common on international sites but poor in Indonesia)<br>\r\n<\/code><\/pre>\n<ul>\n<li><em>Data show that programme A has an average of 271 TP3T completion rates higher than B<\/em>.<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\"Ghost Button trap detection.<br \/>\nUsers in certain areas will click 'Pay Later' by mistake and be lost, the button position can be optimised by heatmap analysis.<\/li>\n<\/ol>\n<hr>\n<h3><strong>VII. Emerging trends and future layout<\/strong><\/h3>\n<p>1.\u00a0\u00a0<strong>[Biometric Pay] The Rise of Biometric Payments<\/strong><br \/>\n\u00a0\u00a0- Gojek has piloted fingerprint\/facial recognition payments and expects to cover 30% digital transactions by 2025.<\/p>\n<p>2.\u00a0<strong>[Social e-commerce integration] TikTok Shop + e-wallet linkage<\/strong><br \/>\n\u00a0\u00a0\u00a0- TikTok's inline DANA payments have a 40% higher order conversion rate than outbound hops.<\/p>\n<hr>\n<h3><strong><strong>List of key actions<\/strong><\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>priority<\/th>\n<th>initiative<\/th>\n<th>Anticipated uplift<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ud83d\udd25 Urgent<\/td>\n<td>Access to at least 2 e-wallets (OVO+DANA)<\/td>\n<td>+22% Conversion<\/td>\n<\/tr>\n<tr>\n<td>\u23f1\ufe0f short term<\/td>\n<td>Deploying a Local CDN Accelerated Settlement Page<\/td>\n<td>&lt;2s loading up to standard<\/td>\n<\/tr>\n<tr>\n<td>Medium-term<\/td>\n<td>Akulaku instalment option online<\/td>\n<td>Customer unit price +15~25%<\/td>\n<\/tr>\n<tr>\n<td>\ud83d\udee1\ufe0f Long-term completion of PSE filing avoids legal risks to ensure sustainable operations<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Need an in-depth solution for a specific segment? For example, how to reduce 3DS failure rates with Doku Gateway? Or how to optimise the reconciliation process for Indomaret Collections? This can be explored further!<\/p>","protected":false},"excerpt":{"rendered":"<p>Indonesia, one of the largest digital economies in Southeast Asia, has a unique payment ecosystem for independent sites...<\/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-2997","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\u5bf9\u72ec\u7acb\u7ad9\u8f6c\u5316\u7387\u7684\u5f71\u54cd - 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\/24\/\u5370\u5c3c\u652f\u4ed8\u5bf9\u72ec\u7acb\u7ad9\u8f6c\u5316\u7387\u7684\u5f71\u54cd\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5c3c\u652f\u4ed8\u5bf9\u72ec\u7acb\u7ad9\u8f6c\u5316\u7387\u7684\u5f71\u54cd\" \/>\n<meta property=\"og:description\" content=\"\u5370\u5c3c\u4f5c\u4e3a\u4e1c\u5357\u4e9a\u6700\u5927\u7684\u6570\u5b57\u7ecf\u6d4e\u4f53\u4e4b\u4e00\uff0c\u5176\u72ec\u7279\u7684\u652f\u4ed8\u751f\u6001\u5bf9\u72ec\u7acb\u7ad9&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/24\/\u5370\u5c3c\u652f\u4ed8\u5bf9\u72ec\u7acb\u7ad9\u8f6c\u5316\u7387\u7684\u5f71\u54cd\/\" \/>\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=\"2025-05-24T02:48:15+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\/24\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%af%b9%e7%8b%ac%e7%ab%8b%e7%ab%99%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%bd%b1%e5%93%8d\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/24\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%af%b9%e7%8b%ac%e7%ab%8b%e7%ab%99%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%bd%b1%e5%93%8d\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5370\u5c3c\u652f\u4ed8\u5bf9\u72ec\u7acb\u7ad9\u8f6c\u5316\u7387\u7684\u5f71\u54cd\",\"datePublished\":\"2025-05-24T02:48:15+00:00\",\"dateModified\":\"2025-05-24T02:48:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/24\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%af%b9%e7%8b%ac%e7%ab%8b%e7%ab%99%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%bd%b1%e5%93%8d\/\"},\"wordCount\":61,\"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\/24\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%af%b9%e7%8b%ac%e7%ab%8b%e7%ab%99%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%bd%b1%e5%93%8d\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/24\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%af%b9%e7%8b%ac%e7%ab%8b%e7%ab%99%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%bd%b1%e5%93%8d\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/05\/24\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%af%b9%e7%8b%ac%e7%ab%8b%e7%ab%99%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%bd%b1%e5%93%8d\/\",\"name\":\"\u5370\u5c3c\u652f\u4ed8\u5bf9\u72ec\u7acb\u7ad9\u8f6c\u5316\u7387\u7684\u5f71\u54cd - 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