{"id":3143,"date":"2025-06-02T13:31:39","date_gmt":"2025-06-02T05:31:39","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3143"},"modified":"2025-06-02T13:31:39","modified_gmt":"2025-06-02T05:31:39","slug":"%e5%a6%82%e4%bd%95%e4%b8%ba%e4%bd%a0%e7%9a%84%e7%94%b5%e5%95%86%e7%bd%91%e7%ab%99%e6%95%b4%e5%90%88%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/02\/%e5%a6%82%e4%bd%95%e4%b8%ba%e4%bd%a0%e7%9a%84%e7%94%b5%e5%95%86%e7%bd%91%e7%ab%99%e6%95%b4%e5%90%88%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%ef%bc%9f\/","title":{"rendered":"How to Integrate Indonesian Payments for Your Ecommerce Website?"},"content":{"rendered":"

Integrating an Indonesian (Indonesia) payment system for an e-commerce website requires an in-depth understanding of local payment customs, regulations and technical requirements. Below is a step-by-step professional guide:<\/p>\n

I. Market and Compliance Readiness<\/h3>\n
    \n
  1. \n

    Payment method analysis<\/strong>::<\/p>\n

      \n
    • electronic wallet (e.g. for money)<\/strong>: GoPay (351 TP3T market share), OVO (251 TP3T), DANA (151 TP3T) are the top 3<\/li>\n
    • bank transfer<\/strong>: Mandiri Virtual Account (281 TP3T share), BCA VA (221 TP3T) dominant<\/li>\n
    • Convenience Store Payments<\/strong>: Indomaret\/Alfamart coverage of the unbanked population<\/li>\n
    • instalment<\/strong>: Akulaku and Kredivo are growing rapidly, at an annual rate of 1,20%<\/li>\n<\/ul>\n<\/li>\n
    • \n

      legal compliance<\/strong>::<\/p>\n

        \n
      • Application for BPJPH Halal Certification (for specific commodities)<\/li>\n
      • Compliance with OJK FinTech regulation with a single transaction limit of Rp 20 million (approximately US$1,300)<\/li>\n
      • Essential for PCI DSS Level 1 Certification<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n

        II. Technology integration programme<\/h3>\n

        A. Autonomous docking programme<\/h4>\n
        \/\/ Xendit API Sample Code (Java)
        \r\nXenditOpt.setApiKey(\"xnd_development_...\") ;
        \r\n
        \r\nMap params = new HashMap();
        \r\nparams.put(\"external_id\", \"order-123\");
        \r\nparams.put(\"bank_code\", \"MANDIRI\");
        \r\nparams.put(\"name\", \"John Doe\");
        \r\nparams.put(\"amount\", 150000);
        \r\n
        \r\nVirtualAccount va = XenditVA.create(params);
        \r\n<\/code><\/pre>\n
        Advantage: lower rates (1.5-2%)
        \nDisadvantage: need to maintain multiple API connections<\/p>\n
        B. Comparison table of PSP aggregation programmes<\/h4>\n\n\n\n\n\n\n\n
        service provider<\/th>\nsite coverage<\/th>\nsettlement cycle<\/th>\nAPI Response Time<\/th>\n<\/tr>\n<\/thead>\n
        Midtrans<\/td>\n92%<\/td>\nT+2<\/td>\n<800ms<\/td>\n<\/tr>\n
        Doku<\/td>\n85%<\/td>\nT+3<\/td>\n<1200ms<\/td>\n<\/tr>\n
        Xendit<\/td>\n78%<\/td>\nT+1<\/td>\n<500ms<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
        It is recommended to choose a solution that supports \"One-Click Pay\" in order to increase conversion rates.<\/p>\n
        III. Localisation Optimisation Points<\/p>\n
          \n
        1. UI\/UX design specification<\/strong><\/li>\n<\/ol>\n
            \n
          • Must show BPJS Health Insurance Staging Options button<\/li>\n
          • OTP validation needs to support 6-digit format (SMS format standard)<\/li>\n
          • The Rupiah symbol must be placed to the left of the amount (Rp50,000).<\/li>\n<\/ul>\n
              <\/p>\n
            1. Anti-fraud strategy<\/strong><\/li>\n<\/ol>\n
                \n
              • Device fingerprinting needs to include IMSI code capture.<\/li>\n
              • TransUnion Indonesia wind control interface integration costs about $0.02\/query<\/li>\n<\/ul>\n
                IV. Payment process optimisation and performance tuning<\/strong><\/h3>\n
                1. Payment process localisation design<\/strong><\/h4>\n
                Indonesian users have unique preferences for the payment experience and need to pay special attention to the following details:<\/p>\n
                  \n
                • \n
                  Multi-step validation<\/strong>(for large transactions):<\/p>\n
                    \n
                  • Bank transfers\/e-wallets usually require a secondary confirmation page (showing the recipient's virtual account number + amount)<\/li>\n
                  • GoPay\/OVO requires a jump to the official app to complete authorisation (Deep Link integration must be stable)<\/li>\n<\/ul>\n<\/li>\n
                  • \n
                    Failure handling mechanism<\/strong>::<\/p>\n
                      \n
                    • Mandiri VA timeout is only 15 minutes and a new VA number needs to be generated automatically after failure<\/li>\n
                    • OVO\/DANA Error Codes3005<\/code>Representing an insufficient balance, users should be directed to switch to convenience store payments<\/li>\n<\/ul>\n<\/li>\n
                    • \n
                      Receipt specification<\/strong>::
                      \nThe law states that it must be included:<\/p>\n
                      PT [YourCompany] | NPWP: xx.xxx.xxx.x-xxx.xxx
                      \r\nInvoice ID: INV\/2024\/XXXXX 
                      \r\n<\/code><\/pre>\n<\/li>\n<\/ul>\n
                      2. API performance key indicators<\/strong><\/h4>\n
                      High network latency in Indonesia (average 3G connection), optimisation of targets is recommended:<\/p>\n\n\n\n\n\n\n\n
                      annular ring<\/th>\nSLA requirements<\/th>\nCDN Node Recommendation<\/th>\n<\/tr>\n<\/thead>\n
                      Payment Page Loading<\/td>\n<2s<\/td>\nAkamai Jakarta POP<\/td>\n<\/tr>\n
                      API Response (Create Order)<\/td>\n<800ms<\/td>\nAWS ap-southeast-3 (Jakarta)<\/td>\n<\/tr>\n
                      Webhook Notification<\/td>\n<3 retries<\/td>\nGCP Jakarta Region<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                      \u25b6\ufe0f Practical tips: to the Xendit\/Midtranscreate_payment<\/code>The interface is optimised for TCP Fast Open, which reduces latency by about 200ms.<\/p>\n
                      \n
                      V. Operation and Risk Control Strategies<\/strong><\/h3>\n
                      1. Dynamic settlement rules<\/strong><\/h4>\n
                      Adjust the funds clearing cycle according to the channel:<\/p>\n
                      # Python Pseudo Code Example
                      \r\ndef get_settlement_days(payment_method).
                      \r\n    rules = {
                      \r\n        \"BCA_VA\": {\"min_amount\":50,000, \"days\":1},
                      \r\n        \"DANA_EWALLET\": {\"min_amount\":0, \"days\":0}, # T+0 Instant
                      \r\n        \"ALFAMART_RETAIL\": {\"max_amount\":1000000, \"days\":3} 
                      \r\n    }
                      \r\n    return rules.get(payment_method)
                      \r\n<\/code><\/pre>\n
                      2. AML compliance monitoring<\/strong><\/h4>\n
                      Bank Indonesia (BI) requested records:<\/p>\n
                        \n
                      • Two-factor positioning in IP + GPS coordinates (error <100 metres)<\/li>\n
                      • NIK<\/code>ID number capture (transactions over Rp10jt\u2248$650)
                        \nRecommended Tools.<\/li>\n<\/ul>\n
                        # Using Midtrans' Identity Verification API
                        \r\ncurl https:\/\/api.midtrans.com\/v2\/kyc \\
                        \r\n -H 'Authorization: Basic xxxxx' \\
                        \r\n -d 'nik=3175021905840001&phone=62812888xxxx'
                        \r\n<\/code><\/pre>\n
                        \n
                        VI. Recommendations for the integration of emerging trends<\/strong><\/h3>\n
                        1\ufe0f\u20e3\u00a0QRIS Unicode Payment<\/strong> (Government mandatory standards)<\/p>\n
                          \n
                        • Doku already supports dynamic QR generation with rates as low as 0.7%<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"
                          Integrating an Indonesian (Indonesia) payment system for an e-commerce website requires an in-depth understanding of local 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,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[39],"tags":[],"class_list":["post-3143","post","type-post","status-publish","format-standard","hentry","category-39"],"yoast_head":"\n\u5982\u4f55\u4e3a\u4f60\u7684\u7535\u5546\u7f51\u7ad9\u6574\u5408\u5370\u5ea6\u5c3c\u897f\u4e9a\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\/06\/02\/\u5982\u4f55\u4e3a\u4f60\u7684\u7535\u5546\u7f51\u7ad9\u6574\u5408\u5370\u5ea6\u5c3c\u897f\u4e9a\u652f\u4ed8\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5982\u4f55\u4e3a\u4f60\u7684\u7535\u5546\u7f51\u7ad9\u6574\u5408\u5370\u5ea6\u5c3c\u897f\u4e9a\u652f\u4ed8\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u4e3a\u7535\u5546\u7f51\u7ad9\u6574\u5408\u5370\u5ea6\u5c3c\u897f\u4e9a\uff08\u5370\u5c3c\uff09\u652f\u4ed8\u7cfb\u7edf\u9700\u8981\u6df1\u5165\u4e86\u89e3\u5f53\u5730\u652f\u4ed8…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/06\/02\/\u5982\u4f55\u4e3a\u4f60\u7684\u7535\u5546\u7f51\u7ad9\u6574\u5408\u5370\u5ea6\u5c3c\u897f\u4e9a\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=\"2025-06-02T05:31:39+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\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/02\/%e5%a6%82%e4%bd%95%e4%b8%ba%e4%bd%a0%e7%9a%84%e7%94%b5%e5%95%86%e7%bd%91%e7%ab%99%e6%95%b4%e5%90%88%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%ef%bc%9f\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/02\/%e5%a6%82%e4%bd%95%e4%b8%ba%e4%bd%a0%e7%9a%84%e7%94%b5%e5%95%86%e7%bd%91%e7%ab%99%e6%95%b4%e5%90%88%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%ef%bc%9f\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5982\u4f55\u4e3a\u4f60\u7684\u7535\u5546\u7f51\u7ad9\u6574\u5408\u5370\u5ea6\u5c3c\u897f\u4e9a\u652f\u4ed8\uff1f\",\"datePublished\":\"2025-06-02T05:31:39+00:00\",\"dateModified\":\"2025-06-02T05:31:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/02\/%e5%a6%82%e4%bd%95%e4%b8%ba%e4%bd%a0%e7%9a%84%e7%94%b5%e5%95%86%e7%bd%91%e7%ab%99%e6%95%b4%e5%90%88%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%ef%bc%9f\/\"},\"wordCount\":99,\"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\/06\/02\/%e5%a6%82%e4%bd%95%e4%b8%ba%e4%bd%a0%e7%9a%84%e7%94%b5%e5%95%86%e7%bd%91%e7%ab%99%e6%95%b4%e5%90%88%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%ef%bc%9f\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/02\/%e5%a6%82%e4%bd%95%e4%b8%ba%e4%bd%a0%e7%9a%84%e7%94%b5%e5%95%86%e7%bd%91%e7%ab%99%e6%95%b4%e5%90%88%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%ef%bc%9f\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/06\/02\/%e5%a6%82%e4%bd%95%e4%b8%ba%e4%bd%a0%e7%9a%84%e7%94%b5%e5%95%86%e7%bd%91%e7%ab%99%e6%95%b4%e5%90%88%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%ef%bc%9f\/\",\"name\":\"\u5982\u4f55\u4e3a\u4f60\u7684\u7535\u5546\u7f51\u7ad9\u6574\u5408\u5370\u5ea6\u5c3c\u897f\u4e9a\u652f\u4ed8\uff1f - 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