How to Accept Payments in Indonesia with QRIS

Indonesia is Southeast Asia's largest economy and digital market, and its payments landscape has a powerful organizing principle that most countries lack: a single national QR standard. Understanding QRIS is the key to accepting payments in Indonesia efficiently. This guide covers QRIS, the major wallets and bank transfers, and how to get live.

QRIS: one QR for everything

QRIS (Quick Response Code Indonesian Standard), governed by Bank Indonesia, unifies QR payments across the country. The breakthrough is interoperability: a single QRIS code can be paid by virtually any Indonesian wallet or bank app — GoPay, OVO, DANA, ShopeePay, bank apps and more. The customer opens whatever app they use, scans your one code, and pays.

For merchants, this is enormously simplifying. Instead of displaying a wall of wallet logos and integrating each, you present one QRIS acceptance point and reach essentially the entire digitally active population.

Adoption has been rapid. By the end of 2025, QRIS had around 59 million users and 42 million registered merchants — roughly 90% of them micro and small businesses — and processed about 13.66 billion transactions in the year. Bank Indonesia has set even higher targets for 2026 and is extending QRIS across borders.

Cross-border QRIS

QRIS is increasingly usable beyond Indonesia's borders, with live links to Malaysia, Thailand, Singapore and the Philippines, and further expansion underway. For merchants this signals a broader regional direction — Southeast Asia's national QR systems are being stitched together — and is especially relevant if you serve travelers.

The major wallets

Even though QRIS abstracts them at the QR layer, it helps to know the leading wallets, because they shape brand recognition and in-app journeys:

• GoPay (in the Gojek/GoTo ecosystem)
• OVO
• DANA
• ShopeePay (strong in e-commerce)

Together these account for the large majority of e-wallet usage, with no single player dominating. For app-to-app or in-app purchases, deep links into these wallets can complement QRIS.

Bank transfers and virtual accounts

Indonesia has a long-standing e-commerce habit of paying by bank transfer, typically via a virtual account (VA) — a unique account number generated per order that the customer pays from their banking app, after which you reconcile automatically. VA remains important, particularly for larger purchases and for buyers who prefer bank rails to wallets. Any serious Indonesian checkout should support virtual-account bank transfer alongside QRIS.

Cash and COD

Cash on delivery still appears in Indonesian e-commerce, especially outside major cities. As with other Southeast Asian markets, the trend favors prepaid digital methods, but consider whether your category and geography still warrant a COD option — and weigh its higher operational cost.

How to start accepting payments

A strong Indonesian checkout generally means:

1. QRIS as the central, default option — one code, all apps.
2. Virtual-account bank transfer for buyers who prefer bank rails.
3. Direct wallet options (GoPay, OVO, DANA, ShopeePay) where in-app flows help.
4. Real-time confirmation and automatic reconciliation by reference.
5. Localized checkout in Bahasa Indonesia, priced in rupiah.

You accept these through a payment provider rather than connecting to Bank Indonesia directly. Because QRIS, virtual accounts and wallet integrations each have their own mechanics, many merchants prefer a single orchestration layer. With a platform like PiqPay, QRIS and Indonesian wallets sit behind the same unified API and hosted checkout used for other markets, so launching Indonesia does not become a standalone project, and settlement and reporting stay consistent.

What to watch in 2026: bigger targets and PayLater

Indonesia's payment story is still accelerating. Bank Indonesia has set 2026 targets of roughly 17 billion QRIS transactions, 45 million merchants and 60 million users, plus expansion to more cross-border partner countries — so QRIS reach will only deepen. Building around QRIS today is a bet that compounds.

A second trend worth planning for is PayLater. Installment and buy-now-pay-later options — offered both by e-commerce platforms and standalone providers — have become popular with younger Indonesian shoppers, especially for mid-value purchases in electronics, fashion and travel. Offering a PayLater option can lift conversion and average order value. As with wallets, the practical goal is coverage without complexity: enabling PayLater through the same layer that handles QRIS and bank transfers keeps your checkout manageable while capturing credit-seeking buyers.

Practical checklist

• Make QRIS the headline option — it is the closest thing to a universal rail.
• Add virtual-account bank transfer for higher-value and bank-first buyers.
• Offer direct wallet journeys where they improve conversion.
• Confirm in real time; reconcile VA and QRIS automatically.
• Localize fully; decide your COD stance deliberately.

QRIS makes Indonesia one of the more elegant markets to enter — if you build around the national standard rather than fighting it.

Want QRIS and Indonesian wallets live through one integration? Explore PiqPay for Indonesia.