MidtransC62
Payment Processor · Businesses registered or resident in Indonesia that sell online in rupiah and want cards, virtual accounts,…
Overview
Midtrans is a sensible default for an Indonesian online business that wants every common local payment method, including GoPay, on one integration at a published price. It has a long track record and appears on Bank Indonesia's register of licensed payment service providers. The rate card is clear on the headline numbers but needs care. Most fees exclude VAT, three methods include it, and the same pricing page carries an older explainer with different figures. We grade it B- for four reasons. Its help centre says funds wait three business days before they can be withdrawn. The merchant terms are not published on its website, and the only copy we could find, undated and probably out of date, runs a year at a time and gives Midtrans wide room to hold payouts or end the service. Gaming and digital-goods rates are not published. And the little public feedback there is centres on blocked withdrawals during account reviews.
Best for: Businesses registered or resident in Indonesia that sell online in rupiah and want cards, virtual accounts, GoPay, QRIS, convenience-store payments and pay-later through one checkout, especially those whose customers use GoPay.
Strengths
- + Publishes a per-method rate card with no setup, subscription or integration fee: as of October 2026, cards 2.9% + IDR 2,000, virtual accounts IDR 4,000, QRIS 0.7%
- + Covers the methods Indonesian shoppers actually use (bank virtual accounts, QRIS, GoPay, ShopeePay, DANA, OVO, convenience-store cash and pay-later) on one integration
- + Says it is the only payment gateway that processes GoPay, which brings GoPay deeplinks and tokenisation for one-click and recurring payments
- + Listed on Bank Indonesia's register as a licensed payment service provider (Category 2, licence dated 1 July 2021), ISO/IEC 27001 certified, running since 2012 and owned by Gojek, now GoTo, since 2017
- + Payment links, subscriptions, promotions, refunds API and bulk payouts are part of the same dashboard, with a self-serve sign-up
Trade-offs
- – Most published fees exclude VAT, but QRIS, GoPay and ShopeePay include it, so the real cost differs by method
- – The pricing page contradicts itself: an older explainer lower on the same page lists different ShopeePay and GoPay payout fees from the current table
- – Midtrans's help centre says sales can only be withdrawn three business days after a payment settles, and automatic withdrawals wait until at least IDR 50,000 has built up
- – The merchant agreement is not published on midtrans.com. The only copy we found, undated and probably out of date, runs a year at a time, renews automatically, and lets Midtrans hold payouts on suspicion of fraud or end the service immediately at its discretion
- – Rupiah only, and sign-up needs Indonesian documents (a KTP or NPWP, or a KITAS for foreign individuals)
- – Gaming and digital-product businesses get unpublished rates, and the few public complaints describe withdrawals frozen while an account was under review
Fees in detail
- Online rate: Cards 2.9% + IDR 2,000; VA IDR 4,000
- International: Midtrans charges in rupiah only. Foreign-issued Visa, Mastercard, JCB and American Express cards are accepted; Midtrans charges them in rupi
- Disputes: Midtrans publishes no chargeback fee. Its help centre says evidence is usually due within seven calendar days. The undated terms copy we fou
Standard published rate for a domestic online card payment. Confirm current pricing on Midtrans's pricing page.
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