What to do if you encounter problems with Indonesia Payments? Common Troubleshooting and Solutions

May, Fri, 2025
deekpay
Indonesia Payments

Encountering problems when using payment platforms in Indonesia can be a real headache, but don't worry! Here are detailed solutions to common problems and practical advice to help you get back to trading quickly:

I. High-frequency problems and second-solution programmes

Bank card declined

✅ Do it now: check that the card number/expiry date/CVV is entered correctly (pay particular attention to the space for pasting the copy)
💡 Advanced processing: contact your bank to confirm:
- Whether to enable cross-border payment (some Indonesian cards are switched off by default)
- Existence of a single transaction limit (e.g. BCA cards are usually limited to Rp 50 million per transaction)

OVO/DANA shows success despite low balance

🔍 Diagnostic Steps:
①Check e-wallet transaction records → ②Check bank debit records → ③Screenshot of discrepancies
🚀 Official Channel:
OVO Customer Service Hotline: 1500-096
DANA Online Customer Service: "Bantuan" section in the app.

GoPay Merchant Scan Failure

📱 The four-step process of elimination:
1. Camera permissions are turned on or not →
2. Is the APP the latest version →
3. WiFi/mobile data switching test →
4. official websiteQuery Service Status

II. Professional-level Troubleshooting Guide

Scenario 1: Repeat Deduction Dispute
1. Retain all credentials (screenshots with timestamps, transaction IDs)
2. Complaints through the following channels:

Bank Indonesia Complaint System:https://konsumen.bi.go.id
Fintech Complaint Line: (021)5299-8888

Scenario 2: Biometric failure
For applications such as Mandiri Bank's e-Cash

# Android users may try to reset the security environment:.

import os

os.system('adb shell pm clear com.mandiri.eCash')

III. Toolbox of preventive measures
1️⃣ Network Optimisation
It is recommended to add DNS settings to improve connection stability:

Preferred DNS: 208.67.222.222 (OpenDNS)

Alternate DNS: 180.131.144.144 (Telkom Indonesia node)

3️⃣ Tips for avoiding exchange rate traps
When presented with a dual currency option, insist on IDR settlement. 3% fee is usually added to Visa/Mastercard dynamic exchange.

IV. Strategies for coping with special periods
Take care during Ramadan:
⚠️ Increased frequency of banking system maintenance (usually 01:00am-04:00am WIB)
⚠️ Prior verification of identity required for large transfers (video verification required for transfers over Rp 25 million)

If the above methods still do not solve your problem, it is recommended to bring the following documents to the nearest branch:
1) Mobile phone IMEI code (#06# Enquiry)
2) Complete error log (Android can be entered in the dialling screen)#9900# Export)

Remember to clear the app cache after each operation and retry again! Most temporary issues can be resolved with this simple step.

V. In-depth solutions to difficult problems

1. E-wallets (OVO/DANA/GoPay) could not be topped up

🔹 Probable Cause:

Bank 3D Secure authentication failed
Operator SMS delayed (not received by OTP)
E-wallet accounts are winded

✅ Solution:

Manually triggered bank verification → Log in to Internet Banking to confirm whether there is a pending transaction authorisation.
Change top-up method to try → OVO can be topped up offline using Indomaret and DANA supports Alfamart counter cash deposits.
Contact customer service to force a refresh of the account status(Some of the wind controls need to be lifted manually).

📌 tipIf you encounter OTP problems frequently, you can switch to Token hard authentication (BCA users can apply).BCA Token).

2. QRIS scanner payment failure (applicable to ShopeePay/LinkAja, etc.)

⚠️ take note of: If the same error occurs several times, it may be the BI clearing system maintenance, which can be queried RBI Service Status.

VI. Handling of special issues in cross-border payments

(Applicable to Alipay+/WeChat Pay International users)

🌏 typical scenario: Chinese tourists were denied payment using Alipay+ in Indonesia.

✅ Step-by-step troubleshooting guide:
1️⃣ 【Check】 Whether you have enabled the function of "Overseas Transaction" (some domestic bank cards are disabled by default).
2️⃣ [Change Card] Prefer foreign currency cards cooperating with Alipay (e.g. China Merchants Bank Visa All Currency Card).
3️⃣ [Amount Split] A single payment of more than Rp 5 million is vulnerable to risk control → Split into multiple payments.

💡 alternative: Directly use the localisation programme → Download the "DANA" App and then authenticate your passport with your real name to bind an international credit card.

VII. Guidelines for avoiding pitfalls in high-risk operations

🚫 Don't do these things. 🚫
❌ Switching IP addresses for payments with a VPN → An AML alert is triggered!
❌ Changing device login accounts frequently → may result in a 72-hour freeze!
❌ Sharing screenshots of payment codes to strangers → QRIS dynamic codes may be stolen!

🛡️ Security recommendations:
✔️ enables dual biometric + 6-digit PIN authentication
✔️ Monthly checksKominfo BlacklistAvoid Counterfeit Apps

📞 The Ultimate Help Wanted Channel

If all methods are ineffective:

OJK Financial Complaints Platform (Official regulator, 48-hour response time)
2.The Twitter Rapid Attack Method:: @mention official account + #GagalBayar (example: "@Tokopedia Saya tidak bisa bayar! #GagalBayar")

⏰ Remember the golden rule - any transaction that has been outstanding for more than 24 hours must be appealed immediately!

Need more specific help? Please provide the following information for an accurate diagnosis:
🔸 Screenshot of specific error reporting (with timestamp)
🔸 ISP operator used (Telkomsel/XL/Indosat?)
🔸 Transaction amount and merchant name

What to do if you encounter problems with Indonesia Payments? Common Troubleshooting and Solutions