{"id":3326,"date":"2025-06-15T18:38:20","date_gmt":"2025-06-15T10:38:20","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3326"},"modified":"2025-06-15T18:38:20","modified_gmt":"2025-06-15T10:38:20","slug":"%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%e6%95%b4%e5%90%88%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88%e5%af%b9%e6%af%94","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/15\/%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%e6%95%b4%e5%90%88%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88%e5%af%b9%e6%af%94\/","title":{"rendered":"Comparison of Payment Gateway Integration Solutions in Indonesia"},"content":{"rendered":"<h1>Comparison of Payment Gateway Integration Solutions in Indonesia<\/h1>\n<h2>Mainstream Payment Gateways Overview<\/h2>\n<h3>1. Doku<\/h3>\n<ul>\n<li><strong>cutting edge<\/strong>::\n<ul>\n<li>Indonesia's Leading Local Payment Service Provider<\/li>\n<li>Support multiple local bank transfers (ATM, Internet Banking)<\/li>\n<li>Mandiri Clickpay and BCA KlikPay Integration<\/li>\n<\/ul>\n<\/li>\n<li><strong>inferior<\/strong>::\n<ul>\n<li>API documentation is mainly in Indonesian<\/li>\n<\/ul>\n<\/li>\n<li><strong>cost<\/strong>: Transaction fee 2.5%-3%<\/li>\n<\/ul>\n<h3>2. Midtrans (formerly Veritrans)<\/h3>\n<ul>\n<li><strong>cutting edge<\/strong>::\n<ul>\n<li>Gojek's company with high market penetration<\/li>\n<li>\"One-Click\" quick checkout function<\/li>\n<li>Fraud detection system improved<\/li>\n<\/ul>\n<\/li>\n<li><strong>inferior<\/strong>::\n<ul>\n<li>Higher PCI DSS compliance requirements<\/li>\n<\/ul>\n<\/li>\n<li><strong>cost<\/strong>:: 1.5%-3% + fixed costs<\/li>\n<\/ul>\n<h3>Xendit<\/h3>\n<ul>\n<li><strong>cutting edge<\/strong>\n<ul>\n<li>API friendly and good developer experience<\/li>\n<li>QRIS Standard QR Code Payment Support<br \/>\n- Direct integration of OVO and DANA e-wallets<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2>Key Comparison Factors<\/h2>\n<table>\n<thead>\n<tr>\n<th>Factor<\/th>\n<th>Doku<\/th>\n<th>Midtrans<\/th>\n<th>Xendit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Local Bank Coverage<\/td>\n<td>\u2605\u2605\u2605\u2605\u2605<\/td>\n<td>\u2605\u2605\u2605\u2605\u2606<\/td>\n<td>\u2605\u2605\u2605\u2606\u2606\u2606<\/td>\n<\/tr>\n<tr>\n<td>E-Wallet Support<\/td>\n<td>Limited<\/td>\n<td>Extensive<\/td>\n<td>Excellent<\/td>\n<\/tr>\n<tr>\n<td>Settlement Time<\/td>\n<td>T+2<\/td>\n<td>T+1 \u2502 T+1<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>International Cards Processing Fee \u25024%\u25023.5%\u25023%<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Implementation Considerations<\/h2>\n<p><em>For SMEs<\/em>: Xendit offers the most streamlined integration process, with basic functionality live within 72 hours.<\/p>\n<p><em>For Enterprise<\/em>: Midtrans' customised fraud prevention solutions are better suited to large transaction scenarios.<\/p>\n<p># Comparison of Indonesian Payment Gateway Integration Solutions (continued)<\/p>\n<p> In-depth feature comparison<\/p>\n<p> 3. OVO Pay<br \/>\n- Core strengths:<br \/>\n   - Indonesia's largest e-wallet (90 million + users)<br \/>\n   - Gojek ecological depth integration<br \/>\n   - \"PayLater\" instalment function<br \/>\n- Special restrictions:<br \/>\n   - Access for Indonesian registered businesses only<br \/>\n   - Separate application for business account required<\/p>\n<p> 4. LinkAja (formerly TCash)<br \/>\n- Government background: joint development by Telkomsel, Bank Mandiri and other State enterprises<br \/>\n- Featured Services:<br \/>\n   - High coverage of Pulsa recharge scenarios<br \/>\n   - BPJS Social Security Payment Channel<br \/>\n- Rate structure: 1.5% base rate + stepped incentives  <\/p>\n<p> API Technical Indicator Comparison<\/p>\n<p>| Service | Average API Latency | Webhook Reliability | SDK Support |<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;-|<br \/>\n| Doku | ~450ms | 99.2% | Java\/PHP |<br \/>\n| Midtrans | ~380ms | 99.8% | Multi-platform |<br \/>\n| Xendit | ~320ms | 99.9% | React Native exclusive |<\/p>\n<p> Regulatory Compliance Focus Differences<\/p>\n<p>1. BPI Certification Requirements: Doku and LinkAja are fully licensed by Bank Indonesia, while international service providers need to land through local partners  <\/p>\n<p>2. Tax treatment differences<br \/>\n\"`Mermaid<br \/>\ngraph TD.<br \/>\n    A[Transaction Amount] -&gt; B{Gateway Type}.<br \/>\n    B -&gt; |Local Licence Gateway| C [automatic deduction of PPN].<br \/>\n    B -&gt;|International Gateway\/PSP Mode<\/br>Such as Stripe Indonesia<\/br>Connected Accounts programme<\/br>VAT filing required]<br \/>\n&#8220;`<\/p>\n<p>3. Data Residency Policy: E-wallets such as OVO\/DANA compel users' data to be stored in data centres in Indonesia  <\/p>\n<p> Niche Payment Methods specialised support<\/p>\n<p>*Religion-related payments*.<br \/>\n- Doku offers exclusive access to \"Zakat Online\" zakat donations.<br \/>\n- Bank Syariah Indonesia's proprietary interface is only available in Midtrans Enterprise Edition.  <\/p>\n<p>* Hyperlocalised payments*.<br \/>\n1. Alfamart\/Indomaret convenience store collection.<br \/>\n\"`javascript<br \/>\n\/\/ Xendit retail code example<br \/>\nxendit.createRetailPayment({<br \/>\n store_code: 'ALFA_001', \/\/chain shop code required<br \/>\n valid_until: '2024-03<\/p>","protected":false},"excerpt":{"rendered":"<p>Comparison of Payment Gateway Integration Solutions in Indonesia Mainstream Payment Gateways Overview 1. ...<\/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-3326","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\u5ea6\u5c3c\u897f\u4e9a\u652f\u4ed8\u7f51\u5173\u6574\u5408\u89e3\u51b3\u65b9\u6848\u5bf9\u6bd4 - 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