Payment Gateway for Indonesia
From GoPay and OVO to Virtual Accounts from all major banks, our unified platform is your complete solution for succeeding in Indonesia's massive digital market.
The Indonesian Payments Landscape
As the largest economy in Southeast Asia, Indonesia's digital payment ecosystem is a dynamic mix of powerful e-wallets and a sophisticated inter-bank transfer system. E-wallets are dominant for daily transactions, while Virtual Accounts are the preferred method for larger, secure payments.
To effectively serve Indonesian customers, your business must support this diverse range of payment methods:
Leading E-Wallets (GoPay, OVO, DANA)
Integrate Indonesia's top three e-wallets. GoPay (from Gojek), OVO (backed by Grab), and DANA are essential for reaching millions of mobile-first consumers.
Bank Virtual Accounts (VA)
The most critical payment method for e-commerce and high-value transactions. VAs, supported by banks like BCA, Mandiri, and BNI, are a trusted and secure option for customers.
QRIS
The national QR code standard that unifies the entire payment network. A single QRIS code allows you to accept payments from dozens of different e-wallets and bank apps.
Over-the-Counter (Alfamart/Indomaret)
Reach unbanked customers by enabling cash payments at thousands of Alfamart and Indomaret convenience stores across the country.
A Unified Gateway for a Complex Market
The Indonesian payment network is powerful but fragmented. Integrating with each bank's Virtual Account system and every e-wallet is a major technical undertaking. Our unified gateway solves this.
With a single API, X-Link provides access to the complete Indonesian payment ecosystem. We manage the complexity of VAs, e-wallets, and QRIS so you can focus on your growth.
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Our team of local experts can help you design the perfect payment strategy for your business to thrive in Indonesia.