All payment methods

Indonesia Banks

Indonesians use bank-transfer payment methods to pay for almost a quarter of all their online purchases (PPRO Almanac). That’s an e-commerce volume with an approximate value of US$5.75 billion. They simply enter a 16-digit payment code (also known as a Virtual Account Number). This can be via internet banking or at the ATMs of participating banks. Supported ATM networks include Bersama, Prima, and Alto, and supported banks include: Bank Danamon, Bank Mandiri, Bank Negara Indonesia, CIMB Niaga, Permata Bank and Maybank Indonesia.

Indonesia Banks
Type Bank transfer
Consumer countries

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Why Indonesia Banks

With a 23% market share, bank transfer payments are the second most popular method of payment in Indonesia. (PPRO Almanac).

The Indonesian e-commerce market is predicted to grow from a value of US$43 billion in 2023 to US$66 billion by 2026 (PPRO Almanac).

As not all debit cards are enabled by banks for e-commerce, Indonesian consumers prefer bank transfer methods, via a browser or mobile banking app.



Merchant Global


Consumer IDR
Processing IDR
Settlement -


Recurring payments
One-click payments
Partial refunds
Multiple partial refunds
Payment assurance
Chargeback risk

How it works


At checkout, the merchant can display either DOKU or the individual banks for the consumer to select

Payment method

If DOKU is selected, the consumer first redirects to a DOKU HPP (merchant white label option) to select their bank

Payment method

After selecting their bank, the consumer redirects to a page that displays a payment code with instructions

Online bank

The consumer uses the code to complete payment via bank transfer (browser or ATM)


Payment is confirmed

Want to integrate Indonesia Banks onto your platform?

Get in touch