Indonesia, one of the largest e-commerce markets in Southeast Asia with a population of over 270 million and a fast-growing internet user base, has two of the most popular e-commerce platforms in the region, and understanding their payment methods is crucial for shoppers and sellers alike.<\/p>\n
2023 data shows that of the e-commerce transactions in Indonesia:<\/p>\n
With the popularity of digital payments, more and more Indonesian consumers are favouring convenient online payment methods over the traditional cash on delivery.<\/p>\n
Binding and top-up process<\/strong><\/p>\n Advantages<\/strong><\/p>\n caveat<\/strong> Major banks supported<\/strong> procedure<\/strong> 2.Specific process<\/strong>:: 3.specificities<\/strong>:: 1.Activation method<\/strong>: 2.Core Functionality Highlights<\/strong>: Statistics show that the repurchase rate of ShopeePay users is 37% higher than that of ordinary users.<\/p>\n As BCA's e-currency, DANA's unique advantages on Shopee include. Note: DANA has a single transaction limit of IDR 10 million and a monthly aggregate limit of IDR 50 million.<\/p>\n Although the global trend is to reduce the COD ratio, it remains important in Indonesia.<\/p>\n Special Note: Jakarta and other major cities have begun piloting smart courier locker COD service, where the consignee pays on-site by swiping\/scanning the card with the OTP code to open the box and inspect the goods.<\/p>\n Special access for cross-border transactions<\/p>\n For those who need to buy imported goods:<\/p>\n 1.Tokopedia Cross Border Zone accepts. 2. The international version of Shopeed offers. Important Note: According to the latest BI foreign exchange control regulations, a single cross-border purchase of more than US$750 needs to be declared in advance as the source of funds.<\/p>\n Seven golden rules for secure payments<\/p>\n To avoid the growing number of online shopping scams, please note that.<\/p>\n \u2460Access the payment page only through the app's embedded browser; \u2460Access the payment page only through the app's embedded browser. Future Innovation Direction Watch<\/p>\n According to the Central Bank's Blueprint 2024 disclosure, new features being tested include.<\/p>\n \u2713 Biometric cross-platform unified authentication (under the BJPS system). Staying on top of these changes will help you stay on top of digital payments!<\/p>\n Checking basic information<\/strong><\/p>\n Customer service channels for each platform<\/strong>:: Handling of special situations<\/strong>:: Highlights of tax policy from April 2024 onwards:<\/p>\n - Low Value Goods Tax (LVGT)<\/strong>: 11% VAT on imports of \u22643 million IDRs IMPORTANT NOTE: Using a local payment tool such as OVO automatically calculates and displays the total price including tax, whereas tax paid by an international credit card will be shown separately on the bill.<\/p>\n VI. Comparison of Merchant Collections Solutions<\/p>\n For merchants selling on the platforms, the settlement differences between the two platforms are as follows:<\/p>\n |Payment Methods \uff5cT+1 Rate\uff5cMinimum Withdrawal Amount\uff5cHandling Fee Rates | 2.Featured Functions<\/strong>:: 1.Rate Preferences<\/strong>(as of 2024Q2): 2.Funds management tools<\/strong>:: Note: Both platforms require an NPWP (Taxpayer Identification Number) verified corporate bank account to be bound in order to withdraw more than 5,000,000 IDR\/day.<\/p>\n VII. Differences in payment habits between urban and rural areas and coping strategies<\/p>\n Regional analyses based on the latest census data:<\/p>\n - E-wallet penetration of 67% (15 percentage points above the national average) For areas with weak infrastructure, a combination of the following programmes is recommended.<\/p>\n Typical case study: The successful model of collective online purchase of fishing gear by fishing communities in Central Sulawesi through Alfamart outlets has been prioritised by Tokopedia.<\/p>\n Eight, seasonal promotional payment strategy<\/p>\n Get the most out of the following key timeframes.<\/p>\n Comparison of resource allocation among the three major shopping festivals of the year<\/p>\n ||Date Range \u4e28Payment Offer Strength \u4e28Preparation Suggestion Cycle \u4e28Products Tips and Tricks. This continuously updated guide will help you gain an in-depth understanding of the operating logic of Indonesia's digital ecosystem. For detailed operation manuals for specific banks or the latest policy interpretations, it is recommended to visit the official central bank website (bi.go.id\/payment-system) on a regular basis.<\/p>","protected":false},"excerpt":{"rendered":" How do Indonesians pay on Tokopedia, Shopee? Complete payment ...<\/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,"footnotes":""},"categories":[39],"tags":[],"class_list":["post-3104","post","type-post","status-publish","format-standard","hentry","category-39"],"yoast_head":"\n\n
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\nDaily transaction limit of Rp 20 million (approximately US$1,300)<\/p>\n<\/li>\n<\/ol>\n(ii) Bank Transfer<\/h3>\n
\n
\nBCA, Mandiri, BNI, BRI and all other major local Indonesian banks support direct transfers to Tokopedia accounts for order settlement.<\/p>\n<\/li>\n
\nSelect \"Bank Transfer\" \u2192 select your account bank \u2192 transfer funds according to the virtual account number generated by the system \u2192 the amount must exactly match the total amount of the order \u2192 the system usually confirms the receipt of funds automatically within 5-15 minutes.<\/p>\n<\/li>\n<\/ol>\n(iii) Indomaret\/Alfamart convenience store offline payments<\/h3>\n
\n
\nSelect \"Indomaret\/Alfamart Payment\" when placing your order.
\nSave the system-generated 16-digit payment code
\nPresent the code at any shop counter within 48 hours to complete the cash payment.<\/p>\n
\nNo additional handling fee
\nSuitable for large transactions (up to 5 million IDR)<\/p>\nFeatured Payment Solutions for Shopee Platform<\/h2>\n
(i) ShopeePay eWallet Exclusive Service<\/h3>\n
\nNeed to complete KYC identity verification first (upload ID)
\nMinimum top-up is 10,000 IDR (about $0.65)<\/p>\n
\nScan-and-pay function for spending at physical shops
\nFixed 5% cashback every Friday!
\nSupports payment of telephone\/utility bills and other living expenses<\/p>\n(ii) DANA digital wallet integration<\/h3>\n
\n- Instant Certification for BCA Clients Eliminates Audit Waiting
\n- DANA Debit Card for Direct ATM Cash Balance Withdrawal<\/p>\nCOD cash on delivery localised practice<\/h2>\n
\n\n
\n \nflat-roofed building<\/th>\n COD coverage<\/th>\n handling fee<\/th>\n Maximum Amount Limit<\/th>\n<\/tr>\n<\/thead>\n \n Tokopedia<\/td>\n 60% Regional Support<\/td>\n Order amount of 1%-3%<\/td>\n 3 million IDR<\/td>\n<\/tr>\n \n Shopee<\/td>\n 85% Area Coverage<\/td>\n Free policy continues<\/td>\n 5 million IDR<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\n- VISA\/Mastercard International Credit Cards (additional 11% VAT)
\n- Wise Official Remittance Channel (New)<\/p>\n
\n- PayPal USD Settlement Options
\n- JCB Card Type Specific Promotions<\/p>\n
\n\u2461 Be wary of sellers who ask WhatsApp for private transactions; and
\n\u2462Enable dual authentication such as OTP + fingerprint recognition.
\n\u2463 Regularly clean up outdated card information that has been saved.
\nCheck that the name of the payee must contain \"PT Tokopedia\"\/\"SeaMoney\".
\n(6) Priority is given to logistics companies with FPKD certification for the delivery of large amounts;
\n(vii) Retain all screenshots of successful payments for at least 90 days<\/p>\n
\n\u2713 Escrow Intermediary Escrow Payment secured by blockchain technology;
\n\u2713 Digital Rupee (CBDC) Direct Connect E-Commerce Settlement Pilot<\/p>\nV. Frequently Asked Questions about E-commerce Payments in Indonesia<\/h2>\n
(i) How to deal with payment failure?<\/h3>\n
\n
\n
\n| Platform | WhatsApp Customer Service Number | Phone Hotline | APP Built-in Online Customer Service |
\n|————|——————-|——————-|—————-|
\n| Tokopedia | +62-815-1111-1010 |1500-009 | 24 Hour Intelligence + Humanity|
\n| Shopee | +62-811-8707-922 \uff5c(021)5080-1555 |9:00-21:00 Service|<\/p>\n<\/li>\n
\nIf you encounter the situation of \"Payment has been deducted but order has not been confirmed\", please:
\n\u2460Save screenshots of bank\/e-wallet transaction vouchers
\n\u2461 Record Transaction Reference Number (TRX ID)
\n\u2462Submit a complaint through the official channel, usually resolved within 2 working days<\/p>\n<\/li>\n<\/ol>\n(ii) Impact of the new GST VAT regulations<\/h3>\n
\n- Local Digital Services Tax<\/strong>: Additional government tax of 1% on all e-wallet top-ups
\n- Tax Invoice Acquisition<\/strong>: Download the full tax voucher from Tokopedia \"My Orders\" or Shopee \"Purchase History\".<\/p>\n(i) Tokopedia merchant account features<\/h3>\n
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\n|-----\uff5c---\uff5c- ---\uff5c---|
\n|OVO Instant Transfer |100% |- \u2502Free |
\n|BCA Bank Account \u250298% \u250250,000IDR \u25020.5% |
\n| Other Local Banks \u250295% \u2502100,000IDR \u25020.75%-1% |<\/p>\n
\n- \"Modal Toko\" credit facility: up to IDR 200 million working capital based on sales data
\nMulti-store consolidated clearing house support<\/p>\n(ii) Shopee Merchant Financial Advantage<\/h3>\n
\n\u00a0\u00a0' New sellers enjoy 0% commission for the first 3 months
\n\u00a0\u00a0' 0.6% fee reduction for receiving payments with ShopeePay<\/p>\n
\n\u00a0\u00a0 ' Automated bill splitting system (can set up automatic splitting ratio between suppliers\/logistics)
\n\u00a0\u00a0 'Cross-border sellers support multi-currency settlement such as USD\/SGD<\/p>\n(i) Characteristics of developed areas such as Java<\/h3>\n
\n- Prefer to use QR code aggregated payments from state-owned banks like BNI
\n- Night time (20:00-23:59) transactions accounted for 41% of the whole day<\/p>\n(ii) Special needs of the outer island provinces<\/h3>\n
if(buyer is located in Papua\/NTT etc.){
\r\n\u00a0\u00a0\u00a0Preferred Indomaret offline payment codes.
\r\n\u00a0\u00a0\u00a0Alternative postal remittance (Wesel Pos).
\r\n\u00a0\u00a0\u00a0Logistics must choose full-coverage courier such as JNE\/Tiki.
\r\n}
\r\n<\/code><\/pre>\n
\n|-\u4e28-----\u4e28-----\u4e28-----\u4e28 -----|
\n\u2223Ramadan promotion\u2223H-30 days to H+7 days\u2223full discount + interest-free instalment\u222345 days in advance into the warehouse\u2223
\n\u2223Double 12 \u222312.01-12.15 \u2223Red Packet Rain + Shipping Coupon \u2223Preparation in mid-November\u2223
\n\u2223Independence Day Sale \u2223August whole month \u2223State-subsidised discount coupon \u00a6Completion of selection by the end of July\u00a6<\/p>\n
\n' Stacking Tip: \"Receive a platform voucher first \u2192 then pay with your Bank Mandiri card to enjoy a discount\"
\n'Tips to avoid congestion: Eastern time zone users can complete the grand finale after midnight Western time (after 23:00 in Jakarta)!<\/p>\n