{"id":3030,"date":"2025-05-25T18:58:25","date_gmt":"2025-05-25T10:58:25","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3030"},"modified":"2025-05-25T18:58:25","modified_gmt":"2025-05-25T10:58:25","slug":"%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%9c%a8%e5%8d%b0%e5%b0%bc%e4%bd%bf%e7%94%a8%e7%94%b5%e5%ad%90%e9%92%b1%e5%8c%85%e7%9a%84%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/25\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%9c%a8%e5%8d%b0%e5%b0%bc%e4%bd%bf%e7%94%a8%e7%94%b5%e5%ad%90%e9%92%b1%e5%8c%85%e7%9a%84%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/","title":{"rendered":"A complete guide for foreigners to use e-wallets in Indonesia"},"content":{"rendered":"<h1>A complete guide for foreigners to use e-wallets in Indonesia<\/h1>\n<h2>I. Overview of mainstream e-wallets in Indonesia<\/h2>\n<ol>\n<li>\n<p><strong>GoPay<\/strong> (under Gojek)<\/p>\n<ul>\n<li>Deep integration with taxi\/takeaway app Gojek<\/li>\n<li>Widely accepted by online and offline merchants<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>OVO<\/strong><\/p>\n<ul>\n<li>Tokopedia's preferred payment method for e-commerce platforms<\/li>\n<li>General acceptance in shopping malls, convenience stores and petrol stations<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>DANA<\/strong><\/p>\n<ul>\n<li>Bukalapak e-commerce partner<\/li>\n<li>Provide bill payment and mobile phone top-up services<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>LinkAja<\/strong> (State-owned background)<\/p>\n<ul>\n<li>Mandiri Bank Support<\/li>\n<li>Commonly used payment methods for public transport (e.g. MRT Jakarta)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>ShopeePay<\/strong> (Shopee's)<\/p>\n<ul>\n<li>Wallet for Shopee shopping platform<br \/>\nGrowing trend among small businesses<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h2>II. Foreigner Registration Process and Requirements<\/h2>\n<h3>A. Basic requirements:<\/h3>\n<ul>\n<li><strong>valid passport<\/strong>(must include entry stamp)<\/li>\n<li><strong>Indonesia Mobile Phone Numbers<\/strong>(Local SIM cards can be purchased)<\/li>\n<li><strong>KITAS\/KITAP or valid visa<\/strong>(Tourist visas can usually be registered as well)<\/li>\n<\/ul>\n<h3>B. Detailed steps:<\/h3>\n<ol>\n<li>GoPay registration example:<\/li>\n<\/ol>\n<pre><code>a) Download Gojek App \u2192 select \"Payment\".<br>\r\nb) Click on \"Register for GoPay\".<br>\r\nc) Enter personal information + passport number + visa information <br>\r\nd) Completion of face recognition verification (required in some cases)<br>\r\ne)SMS verification code confirmation\u2192Set PIN code <br>\r\n<\/code><\/pre>\n<p>2. KYC certification differences:<\/p>\n<ul>\n<li><em>short term traveller<\/em>:: Usual limit of 5 million IDR\/month (about $330)<\/li>\n<li><em>Long-term residents<\/em>: Limit can be increased by submitting additional documents (Tax ID\/proof of address)<\/li>\n<\/ul>\n<p>III. Comparison table of top-up channels<\/p>\n<table>\n<thead>\n<tr>\n<th>methodologies<\/th>\n<th>convenience<\/th>\n<th>handling fee<\/th>\n<th>processing time<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Indomaret\/Alfamart Counter Cash Recharge<\/td>\n<td>\u2605\u2605\u2605\u2605\u2605<\/td>\n<td>Rp2,000-Rp5,000<\/td>\n<td>prompt settlement<\/td>\n<\/tr>\n<tr>\n<td>ATM Transfer (Bank Transfer)<\/td>\n<td>\u2605\u2605\u2605\u2606\u2606\u2606<\/td>\n<td>Depending on the bank (Rp0-Rp6,500)<\/td>\n<td>&lt;15 minutes<\/td>\n<\/tr>\n<tr>\n<td>Credit card (Visa\/Mastercard)<\/td>\n<td>\u2605\u2605\u2606\u2606\u2606\u2606<\/td>\n<td>&lt;3% Transactions<\/td>\n<td>&lt;30 minutes<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<blockquote>\n<p>\u26a0\ufe0f Note: Most e-wallets do not accept foreign-issued credit cards for direct binding, so it is recommended to give preference to offline cash reloading points.<\/p>\n<\/blockquote>\n<p>IV. Practical Scene Skills<\/p>\n<p>Travelling by transport.<\/p>\n<pre><code class=\"language-python\"># Example of switching payment method when Grab hailing.<br>\r\n1. Enter your destination and click \"Payment Method\".<br>\r\n2. \"GrabPay\" (separate activation required) \/ select \"Cash\".<br>\r\n3.*Tips*:Drivers always have QRIS code can be used to pay with other wallets. <br>\r\n<\/code><\/pre>\n<p>Dining &amp; Shopping.<br \/>\n\u2714\ufe0fWarung Shop: Have small change or check for LinkAja logo.<br \/>\n\u2714\ufe0f upscale restaurants:OVO\/GoPay coverage &gt;80%<\/p>\n<p>\u26a0\ufe0f Bali Exception:Some merchants prefer to take cash\/USD<\/p>\n<p>V. Security reminders<\/p>\n<p>1. PIN protection principle.<br \/>\n\u2705 Don't reveal the 6-digit payment code in public<br \/>\n\u2705Enable fingerprint\/Face ID secondary verification<\/p>\n<p>Common Scam Warning Signs \ud83d\udea8.<br \/>\n-Ask for the OTP code from \"Customer Service\". <em>Legitimate companies will never ask for<\/em><br \/>\n- \"Jackpot\" Transfer Request \u2192 New QRIS Scam Technique<\/p>\n<p>It is recommended to install the official app instead of third-party modifications<\/p>\n<h1><strong>A complete guide for foreigners to use e-wallets in Indonesia (cont'd)<\/strong><\/h1>\n<h2><strong>VI. Cross-border payment and transfer restrictions<\/strong><\/h2>\n<h3><strong>1. Can I bind an international credit\/banking card?<\/strong><\/h3>\n<p>Most Indonesian e-wallets (e.g. GoPay, OVO, DANA) only support local bank accounts or cash top-ups, with some exceptions:<\/p>\n<ul>\n<li><strong>ShopeePay<\/strong>: Visa\/Mastercard binding can be attempted (success rate about 50%)<\/li>\n<li><strong>LinkAja<\/strong>: Some international cards are supported, but additional verification is required<\/li>\n<li><strong>GrabPay Malaysia\/Singapore Edition<\/strong>:: Can be used in Indonesia, but exchange rate is poor<\/li>\n<\/ul>\n<p>\u2705 <em>Optimal programme<\/em>: Take a debit card with no foreign exchange fees (e.g. Wise\/Revolut) and top it up at Indomaret\/Alfamart after withdrawing cash at an ATM.<\/p>\n<h3><strong>2. Restrictions on transfers between foreigners<\/strong><\/h3>\n<ul>\n<li>\u26a0\ufe0f <em>strict system of real names<\/em>: Full KYC information must be provided to make a P2P transfer.<\/li>\n<li>\ud83d\udcc9 <em>allowance<\/em>: Tourist visa users typically have \u22642 million IDR (\u2248US$130) in a single transaction and \u22645 million IDR (\u2248US$330) in a monthly aggregate. Long-term visa holders can apply for higher limits.<\/li>\n<\/ul>\n<hr>\n<h2><strong>VII. Offline payment solutions<\/strong><\/h2>\n<p>Recommended due to unstable network or poor signal in remote areas:<br \/>\n1\ufe0f\u20e3 <strong>Early caching of balances<\/strong> - GoPay\/DANA allows the generation of payment codes when there is no network (valid for 5 minutes).<br \/>\n2\ufe0f\u20e3 <strong>Print static QR codes<\/strong> - OVO Merchant Edition can generate fixed QR code stickers for backup.<br \/>\n3\ufe0f\u20e3 <em>extreme case<\/em> \u2192 Write down the customer service number for quick help:<\/p>\n<ul>\n<li>GoPay: +62 21 5084 8888<\/li>\n<li>OVO: +62 21 3970 XXX (follow the voice prompts to a human being)<\/li>\n<\/ul>\n<hr>\n<h2><strong>VIII. Tax and compliance issues<\/strong><\/h2>\n<h3>\ud83c\uddee\ud83c\udde9 <em>Bank Indonesia (BEI) regulations<\/em>::<\/h3>\n<p>\u2714\ufe0f 10M IDRs require source declaration<br \/>\n\u274c <em>Prohibited Acts<\/em>::<\/p>\n<ul>\n<li>\"Chargebacks\" make a difference in price (accounts may be frozen)<\/li>\n<li>P2P high-frequency trading triggers anti-money laundering review<\/li>\n<\/ul>\n<blockquote>\n<p>\ud83d\udca1 Business users should register as a \"Verified Merchant\" to avoid risk control.<\/p>\n<\/blockquote>\n<hr>\n<h2><strong>IX. Troubleshooting FAQ<\/strong><\/h2>\n<p>\u2753 \"<em>Why is my GoPay locked?<\/em>\"<br \/>\n\u2192 KYC photo blurred\/passport page missing \u2192 WhatsApp contact customer service for replacement documents (+62 xxx)<\/p>\n<p>\u2753 \"<em>Scanning failed to show 'Bank Tidak Ditemukan'?<\/em>\"<br \/>\n\u2192 QRIS compatibility issue \u2192 change to direct payment by entering merchant number<\/p>\n<p>\u2753 \"<em>How do I check the remaining credit?<\/em><br \/>\n\u2192 OVO: [Profile] \u2192 [Limit] | GoPay: [\u2261] \u2192 [History]<\/p>\n<hr>\n<h2>\u2708\ufe0f <strong>[Ultimate Traveller Programme]<\/strong><\/h2>\n<ol>\n<li>\ud83c\udfe6 Purchase Telkomsel SIM card at Jakarta Airport Arrival Hall (make sure you can receive SMS)<\/li>\n<li>\ud83d\uded2 Go to Alfamart and open GoPay+OVO dual wallet with cash at the same time<\/li>\n<li>\ud83d\udcf2 Bundled with Grab\/Shopee and other apps for full scene coverage<\/li>\n<\/ol>\n<p>\ud83d\udcac Having trouble? Most shopping malls have a \"Digital Payment Help Desk\" (\ud83d\udc47).<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/example.com\/payment-help-desk.jpg\" alt=\"Help Desk Example\"><\/p>\n<p>For the latest policy updates, we recommend visiting<a href=\"https:\/\/www.bi.go.id\">Indonesia's central bank official website<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>A complete guide for foreigners to use e-wallets in Indonesia I. An overview of mainstream e-wallets in Indonesia...<\/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-3030","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>\u5916\u56fd\u4eba\u5728\u5370\u5c3c\u4f7f\u7528\u7535\u5b50\u94b1\u5305\u7684\u5b8c\u6574\u6307\u5357 - 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, 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