WooCommerce + Indonesia Payment Gateway Plugin Recommendation

When integrating a payment gateway on WooCommerce for the Indonesian market, you need to choose a plugin that supports the major local payment methods (e.g. bank transfer, e-wallet, convenience store payment, etc.). Below are the recommended solutions and key considerations for the Indonesian market:

I. Dedicated Indonesia Payment Gateway Plugin

  1. Midtrans (Veritrans)

    • cutting edge::
      • Supports e-wallets such as OVO, DANA, LinkAja, etc., as well as ATM transfers (BCA/Mandiri/BNI, etc.), and Alfamart/Indomaret convenience store payments.
      • Provides one-click installation of WooCommerce plugin with sandbox testing support.
      • Suitable for small to medium sized businesses with no monthly fee (per transaction).
    • link (on a website)::Midtrans WooCommerce

  2. Xendit

    • cutting edge::
      • Covers credit cards, virtual accounts (VA), retail outlets (Alfamart/KiosON), QRIS scanner payments.
      • API friendly and suitable for customised development by technical teams.
    • take note of: Manual integration or use of third-party developed Xendit WooCommerce plugins (e.g.Xendit Official Documentation).

  3. DOKU (local veteran payment)

    • Supports credit card instalments, direct bank links and e-wallets. Official WooCommerce plugin provided.

II. International Common Gateway + Indonesia Localisation

  1. Stripe + Local Payment Methods

    • Stripe indirectly supports some Indonesian channels (e.g. Jenius Pay) through partners. Need to confirm currently supported local options.

  2. 2Checkout (now Verifone)
    Partially integrates Indonesian bank transfers, but coverage is not as good as Midtrans/Xendit.

III. "Convergent" solutions

  1. Jokul by DOKU (formerly DOKU New Brand)
    One-stop aggregation gateway, especially suitable for e-commerce platforms.

  2. iPaymu
    Simple integration but more basic functionality.

✅ Selection advice

  • Priority Local Services: Midtrans or Xendit have the widest coverage and compliance; mandatory if OVO/DANA is commonly used by target users.
  • Large transactions: Consider DOKU's credit card instalment feature.
  • Few development resources: Go live quickly with the official Midtrans plugin; a technical team is available for deep customisation of the Xendit API.
  • test environment: All services require the application of a merchant account and the testing of the actual payment process for smoothness.

⚠️ Notes

  1. PCI compliance requirements ensure that server security configurations are up to standard.
  2. OVO/LinkAja etc. may require a separate merchant qualification.
  3. Rate comparison: e-wallets are usually 0.5%-1% higher than bank transfers.

It is recommended to contact the candidate vendor first to confirm the latest list of supported channels and rate structure!

IV. In-depth comparison: Midtrans vs Xendit vs DOKU

Here are the core differences between the three main payment gateways in Indonesia to help you choose based on your business needs:

Functions/Services Midtrans Xendit DOKU (Jokul)
Mainstream payment method coverage OVO, DANA, LinkAja, ATM transfers, Alfamart/Indomaret convenience store payments QRIS, Virtual Account (VA), Alfamart/KiosON, credit card instalments (application required) Credit Card Instalment (strong), OVO, DANA (partial), Bank Transfer
WooCommerce Plugin ✅ Official plugin, one-click installation ❌ Requires third-party plug-in or API development ✅ Official Plugin
Handling Fee Reference* - E-wallet: ~1.5%
- ATM Transfer: ~1%
- Alfamart: ~2% fixed fee		 - QRIS: ~0.7-1.5%
- VA Transfer: ~1-2K IDR/stroke + % Rate		 - Credit Card: ~3-4% (with instalments)
- eWallet: ~2%+
Scenario -Small and medium-sized e-commerce
-Needs to go live quickly		 -Medium and large enterprises
-Needs customised integration		 -High-unit-price goods (reliance on credit card instalments)

Note: Rates may fluctuate due to volume negotiation and need to be confirmed with the vendor for the latest price.

V. Step-by-step guide: Midtrans as an example

(For merchants with a weak technology base)

  1. Register for a Midtrans Merchant Account
    -Submit company information (individual sellers can use ID cards instead of business licences).

  2. Install WooCommerce plugin
    -Search for "Midtrans" official plugin in Word and activate it.

  3. Configure keys and payment channels
    -From the Midtrans dashboardServer Keyrespond in singingClient KeyFill in the WooCommerce settings page.
    -Tick the desired payment method (e.g. OVO/Alfamart).

  4. Test Transactions
    -Use sandbox mode to simulate the user payment process and ensure that the channels are jumping properly.

  5. pre-launch necessity: Contact customer service to apply for production environment permissions and submit website record information.

❗️ Frequently Asked Questions

Q1: Users report that the ATM transfer option is not displayed?

→ Check that bank channels such as BCA/Mandiri are turned on in the back office, some banks require separate activation.

Q2：OVO payment failed with "Merchant not registered"?

→ E-wallets require an additional merchant application to be submitted to OVO/DANA (takes 3-7 business days).

Q3: How can I reduce the cost of handling fees?

→ Strategy.

  • Negotiate volume discounts with Midrans/Xendit (>1000 transactions/month negotiable).
  • For bank transfers only use Xendit (fixed fee is more cost effective).

🔍 Advice on Advancement

  1. Multi-gateway backup If the average daily order exceeds 500 units, it is recommended to also integrate Xendit as a second gateway to triage the risk.
  2. Localisation Optimisation : Add Indonesian instructions and common bank logos on checkout pages to boost trust.
  3. Anti-fraud tools : Enable Xendit'sRisk Controlor MidTrans for 3DS verification.

If you need screenshots of the configuration of a specific plugin or encounter error code troubleshooting, you can tell me your specific usage scenario!