{"id":3291,"date":"2025-06-12T08:07:56","date_gmt":"2025-06-12T00:07:56","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3291"},"modified":"2025-06-12T08:07:56","modified_gmt":"2025-06-12T00:07:56","slug":"%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%ae%89%e5%85%a8%e5%90%97%ef%bc%9f%e6%94%af%e4%bb%98%e9%a3%8e%e9%99%a9%e5%85%a8%e8%a7%a3%e6%9e%90","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/12\/%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%ae%89%e5%85%a8%e5%90%97%ef%bc%9f%e6%94%af%e4%bb%98%e9%a3%8e%e9%99%a9%e5%85%a8%e8%a7%a3%e6%9e%90\/","title":{"rendered":"Are Indonesian payments safe? Payment Risks Explained"},"content":{"rendered":"<p>As one of the largest digital economies in Southeast Asia, Indonesia's payment environment is developing rapidly, but security needs to be comprehensively assessed in light of local characteristics. The following is a comprehensive analysis from the perspective of risks and precautions:<\/p>\n<h3>I. Main payment methods and security status<\/h3>\n<ol>\n<li>\n<p><strong>Electronic purse (mainstream option)<\/strong><\/p>\n<ul>\n<li>Representative platforms: GoPay (Gojek), OVO, DANA, LinkAja<\/li>\n<li>Security mechanisms: most have been certified by the central bank (BI-FAST), using two-factor authentication (2FA)<\/li>\n<li>Risk point: small wallet operators may have data protection vulnerabilities<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>bank transfer<\/strong><\/p>\n<ul>\n<li>Real-time clearing system: BI-FAST replaces the old RTGS system<\/li>\n<li>Advantage: directly supervised by the central bank, relatively reliable for large-value transactions<\/li>\n<li>Note: Payee information needs to be verified for accuracy (common for accounts with the same name in Indonesia)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Convenience store cash payments<\/strong><\/p>\n<ul>\n<li>Popularisation of Alfamart\/Indomaret collection services<\/li>\n<li>Risk warning: retain paper vouchers for at least 3 months in case of disputes<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>II. Typical risk types and cases<\/h3>\n<ul>\n<li><strong>phishing scam<\/strong>: 2022 The Indonesian Monetary Authority report shows that about 37% of cyber fraud is committed through fake bank SMS.<\/li>\n<li><strong>Merchant Side Vulnerability<\/strong> : Some small and medium-sized e-commerce companies are still using unencrypted payment links.<\/li>\n<li><strong>Cross-border payment restrictions<\/strong> : The use of foreign cards on local platforms often triggers the locking of the card for wind control.<\/li>\n<\/ul>\n<h3>III. Practical recommendations for user protection<\/h3>\n<ol>\n<li><strong>Account Settings<\/strong><\/li>\n<\/ol>\n<ul>\n<li>Enable all biometric options (fingerprint\/face recognition)<\/li>\n<li>SIM card binding PIN code (to prevent card replacement fraud)<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>trading habit<\/strong><\/li>\n<\/ol>\n<ul>\n<li>Wallets such as OVO set a single day limit (recommended not to exceed Rp 5 million \u2248 RMB 2,300)<\/li>\n<li>Avoid saving credit card details within super apps like Gojek<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li><strong>Dispute resolution channels<\/strong><\/li>\n<\/ol>\n<h3><strong>IV. Dispute Resolution and Rights Defence Channels<\/strong><\/h3>\n<p>In case of payment disputes or fraud, Indonesian users can defend their rights in the following ways:<\/p>\n<h4><strong>1. Direct contact with payment platforms<\/strong><\/h4>\n<ul>\n<li><strong>E-wallet\/bank customer service<\/strong>: Priority is given to submitting complaints via the 'Help Centre' within the official APP (response time is usually 24-48 hours).\n<ul>\n<li>GoPay: Select \"Help Centre\" \u2192 \"Payment Issue\" in the Gojek App.<\/li>\n<li>OVO\/DANA: Use the \"Lapor Masalah\" (Problem Reporting) function within the app.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Telephone complaints<\/strong>: Some platforms offer English language support (e.g. BCA Bank Customer Service +62 21 500811).<\/li>\n<\/ul>\n<h4><strong>2. Complaints to Bank Indonesia (BI)<\/strong><\/h4>\n<p>If the payment platform does not handle the situation properly, a complaint can be filed with the Indonesian financial regulator:<\/p>\n<ul>\n<li><strong>Bank Indonesia (BI) Consumer Protection<\/strong>: <a href=\"https:\/\/www.bi.go.id\">https:\/\/www.bi.go.id<\/a> \u2192 \"Pengaduan Konsumen\" (Consumer Complaint) Fill in the form. You need to prepare evidence such as transaction vouchers and chat records. The processing period is about 7 working days.<\/li>\n<\/ul>\n<h4><strong>3. financial services authority (ojk)<\/strong><\/h4>\n<p>Serious violations against financial institutions can be reported to OJK:<a href=\"https:\/\/ojk.go.id\">https:\/\/ojk.go.id<\/a>, which applies to cases of credit card theft and illegal chargebacks.<\/p>\n<h4><strong>4. POLICE CYBER CRIME UNIT (Bareskrim Polri)<\/strong><\/h4>\n<p>Involvement in a large amount of fraud (e.g. fake bank transfers) should be reported as soon as possible at your local police station or by contacting the cybercrime unit:<a href=\"http:\/\/cybercrime.polri.go.id\">http:\/\/cybercrime.polri.go.id<\/a>. Need to carry:<\/p>\n<ul>\n<li>Copy of KTP (identity card)\/passport<\/li>\n<li>Bank statement or transaction record<\/li>\n<li>Screenshot scam information<\/li>\n<\/ul>\n<hr>\n<h3><strong>V. Special considerations for cross-border payments<\/strong><\/h3>\n<p>Foreigners need to be careful when using international payment instruments in Indonesia:<\/p>\n<ol>\n<li>\n<p><strong>Credit\/Debit Card Restrictions<\/strong><\/p>\n<ul>\n<li>Visa\/Mastercard may be rejected at local e-commerce (e.g. Tokopedia only supports local cards)<\/li>\n<li>ATM cash withdrawals are recommended to use big banks such as BCA\/Maybank to avoid high fees.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em>exchange control<\/em><\/p>\n<ul>\n<li>\u26a0\ufe0f Cross-border remittances exceeding Rp 100 million (\u2248US$6,500) in a single instalment are required to declare the source.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em>Recommended alternatives<\/em><\/p>\n<pre><code class=\"language-markdown\">A safer way to make cross-border payments:<br>\r\n1. Wise (formerly TransferWise): excellent exchange rate, suitable for small personal transfers.<br>\r\n2. PayPal binds the local bank to withdraw cash (handling fee about 4%).<br>\r\n3.GrabPay overseas top-up (some countries only).<br>\r\n<\/code><\/pre>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>VI. Latest security trends in 2023<\/strong><\/h3>\n<p>1\ufe0f\u20e3 BI mandates 'QRIS Unified QR Code Standard' to reduce the risk of counterfeit payment codes.<br \/>\n2\ufe0f\u20e3 Gojek\/Tokopedia and other super-APPs have added a new 'Night Transaction Confirmation' feature (large payments from 23:00-5:00 local time require a second verification).<br \/>\n3\ufe0f\u20e3 OJK requires all e-wallets to implement 'anti-money laundering monitoring', with unusual transactions freezing accounts and requiring KYC replenishment.<\/p>\n<hr>\n<h3>\ud83d\udd10 The ultimate safety checklist:<\/h3>\n<table>\n<thead>\n<tr>\n<th>\u2714\ufe0f operations<\/th>\n<th>Risky behaviour<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Enable dual SMS + email notification<\/td>\n<td>Click on the unknown link to enter the OTP code<\/td>\n<\/tr>\n<tr>\n<td>Regularly check the list of authorised applications<\/td>\n<td>Making payments over public WiFi<\/td>\n<\/tr>\n<tr>\n<td>Setting up biometric login<\/td>\n<td>Show dynamic QR codes to strangers<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>It is recommended to install the official anti-fraud APP: \"JAGA ID\" launched by OJK, which can detect suspicious transaction numbers in real time. (Available for download on Google Play\/App Store)<\/p>\n<p>If you need further advice on specific scenarios (e.g. property deposit payment, cross-border e-commerce settlement, etc.), we can provide more details for your targeted analysis.<\/p>","protected":false},"excerpt":{"rendered":"<p>Indonesia, one of the largest digital economies in Southeast Asia, has a rapidly developing payments environment...<\/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-3291","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) - 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