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indonesia country report
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Payment methods in Indonesia

Here are the top takeaways you need to know about the Indonesian e-commerce market:

  • Between 2022 and 2027, Indonesia’s booming e-commerce market will grow in value from US$59 billion to US$87 billion.
  • The average Indonesian online shopper spends US$273 a year with e-commerce merchants, rising to US$379 by 2027.
  • Indonesians use a mobile device such as a tablet or smartphone to complete 55% of all their online transactions.
  • Popular digital payment methods in Indonesia include GoPay, with a 10% market share, Kredivo and Ovo.
  • Indonesians use cards in just 17% of all online transactions and cash in only 11% — the rest they pay for with a range of digital payment methods.
Online Population
B2C E-commerce
Banked Population
Credit Card Population
E-commerce of Total Retail

Payment Method Breakdown

  • Card 17%
  • Cash 11%
  • Bank Transfer 27%
  • E-Wallet 39%
  • Other 6%
[{"label":"Card","value":"17"},{"label":"Cash","value":"11"},{"label":"Bank Transfer","value":"27"},{"label":"E-Wallet","value":"39"},{"label":"Other","value":"6"}]

Card Scheme Breakdown

  • Visa 48%
  • Mastercard 36%
  • American Express 0%
  • Local schemes 3%
  • Other 12%
[{"label":"Visa","value":"48"},{"label":"Mastercard","value":"36"},{"label":"American Express","value":"0"},{"label":"Local schemes","value":"3"},{"label":"Other","value":"12"}]

Cross-Border E-Commerce


Online shoppers who have shopped cross-border


Cross-border proportion of total e-commerce


Value of cross-border e-commerce

Top cross-border shopping origin markets