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Indonesia Payment Methods

Indonesia is one of Southeast Asia's largest digital payments markets, with over 270 million people and low card penetration. Local methods are the primary collection channel. Bank Indonesia's QRIS standard unified QR acceptance across the country's most widely used wallets and banks in 2019, and virtual accounts remain standard for e-commerce settlement. For payouts, BI-Fast provides real-time interbank transfer across participating banks, 24/7.

Pay-In Methods

MethodTypeTransaction CurrencyNotes
QRISQR Code PaymentIDRUnified QR standard across major Indonesian bank and wallet issuers
Virtual AccountsBank TransferIDRBank-issued virtual account numbers for direct transfer
BCABank TransferIDRBank transfers for BCA

Virtual accounts issued by

  • Bank Mandiri
  • Bank BRI
  • Bank Central Asia (BCA)
  • Bank Negara Indonesia (BNI)
  • PermataBank
  • CIMB Niaga

Pay-Out Channels

ChannelTypeCurrencyNotes
BI-FastBank TransferIDRBank Indonesia's real-time interbank transfer network, operating 24/7 across participating banks.
Non BI-FastBank TransferIDRStandard interbank transfer via conventional clearing rails.
E-WalletDigital WalletIDRDisbursement to Indonesian consumer e-wallets.

Direct integration

One account, both directions

QRIS and virtual accounts collect; BI-Fast, Non BI-Fast, and e-wallet channels disburse. Every rail is integrated directly with its operator and settles through the single Vianta account — no aggregator in the path.

QRISVirtual AccountsBCABI-FastNon BI-FastE-WalletViantaPAY-INPAY-OUT

Merchant categories

Who this is for

Built for operator-class merchants in high-volume, often high-risk verticals. Four profiles — one account behind every one.

  • FX/CFD / Derivatives Brokers
  • iGaming Operators
  • Prediction Markets
  • eCommerce

One account to enter new markets, expand reach in existing ones, improve your commercials, and tidy reconciliation.

Included in every account

  • Local payment methods
  • Card processing
  • One integration
  • In-house fraud controls
  • Fiat or stablecoin settlement
  • Per-cycle itemisation

Add Indonesia to your account

QRIS and virtual accounts for pay-in, BI-Fast for real-time payouts, and card processing, under one integration, settled in USD, EUR, or USDT.

Apply for a Merchant AccountContact Us

Indonesia · at a glance

Pay-in
QRIS · Virtual Accounts · BCA
Pay-out
BI-Fast · Non BI-Fast · E-Wallet
Currency
IDR
Cards
Worldwide