Market · 🇮🇩 Indonesia

Indonesia payment gateway on QRIS: one QR standard, every wallet.

IDR collection through QRIS, DANA, virtual accounts and OVO — first-hand channels with QRIS collection from 1.30%, VA from 0.60%, payouts at 0.1% + 1,500 IDR, and D+0 settlement in USDT. Separate plans for gaming and forex traffic.

Get Indonesia rates See the rate card
The market

QRIS turned a fragmented wallet market into one rail.

Indonesia is the fourth most populous country on earth, overwhelmingly mobile-first, and largely card-free at the consumer level.

Why one QR code now reaches every Indonesian wallet

Indonesia's old payments problem was a crowd of competing e-wallets, each needing its own integration. That was solved by QRIS, the national QR standard published by Bank Indonesia. One QRIS code is payable from every licensed wallet and mobile banking app in the country: DANA, OVO, GoPay, ShopeePay, and the banks' own apps all scan the same QR.

Integrate QRIS once and you have, in practical terms, reached every paying Indonesian consumer. The standard sits inside the retail payment system the central bank operates and supervises.

The rails ZenexPay runs alongside QRIS

Rails. ZenexPay runs QRIS alongside the two rails that still matter next to it: virtual accounts (VA) for bank-transfer users and direct DANA wallet collection. VA is priced at 0.60%, the cheapest collection rate on our Indonesia card.

Rupiah does not sit on your books overnight

Settlement. Payouts return to banks and wallets at a flat 0.1% + 1,500 IDR, and everything settles D+0 in USDT, so collected rupiah is stablecoin in your treasury the same day.

Published rates

Three plans, priced by traffic type.

Two gaming plans, standard and Tier 1 regulated-market, plus a separate FX plan for brokers. Payouts are 0.1% + 1,500 IDR across all three.

PlanMethodCollectionPayoutSettlement
Gaming — standard QRIS · DANA · VA 1.30% · 1.40% · 0.60% 0.1% + 1,500 IDR D+0 USDT
Gaming — Tier 1 regulated QRIS · DANA 1.40% · 1.50% 0.1% + 1,500 IDR D+0 USDT
FX (forex) QRIS · VA · DANA 1.90% · 1.40% · 2.30% 0.1% + 1,500 IDR D+0 USDT
PlanCollection limitsBank payoutWallet payout
Gaming — standard 10K – 10M IDR 10K – 2M IDR 10K – 20M IDR (DANA)
Tier 1 regulated & FX 10K – 10M IDR (QRIS/DANA) 50K – 50M IDR 50K – 10M IDR
Which plan is yours? The standard plan carries gaming traffic only; the Tier 1 plan is for operators licensed in regulated markets. For anything not on this card, ask on Telegram for the current rate card. Rate card current as of 31 August 2026. See every market's rates →
Developers

A QRIS API that is just the ZenexPay API.

Collection. There is no Indonesia-specific build. You create a payment through the same collection API used across our other 20 markets, present the QRIS code or VA details, and receive a webhook when the customer's wallet or bank confirms. Payouts to Indonesian banks and wallets run from the same integration.

Timeline. Typical integration is 3–5 business days, with ZenexPay engineers in your Telegram thread rather than a ticket queue. Endpoint patterns, webhook behaviour and sandbox access are documented on the developer overview.

Who it serves

Who the Indonesia channel is built for.

FAQ

Indonesia payments, asked straight.

What are ZenexPay's Indonesia payment gateway rates?
ZenexPay's Indonesia payment gateway prices by traffic type: on the standard gaming plan QRIS collection is 1.30%, DANA 1.40% and VA 0.60%, while the Tier 1 regulated-market plan runs QRIS at 1.40% and DANA at 1.50%. Payouts are 0.1% + 1,500 IDR on every ZenexPay Indonesia plan, settled D+0 in USDT.
Which payment methods does the Indonesia gateway support?
ZenexPay's Indonesia gateway supports QRIS, DANA, VA (virtual accounts) and OVO. One QRIS integration reaches every licensed wallet and mobile banking app in Indonesia. ZenexPay prices QRIS collection from 1.30%, VA from 0.60% and DANA from 1.40%, with payouts at 0.1% + 1,500 IDR and D+0 settlement in USDT.
Does the Indonesia gateway support forex merchants?
Yes. ZenexPay runs a dedicated FX plan on its Indonesia channel that prices QRIS at 1.90%, VA at 1.40% and DANA at 2.30%, with the same 0.1% + 1,500 IDR payout rate and D+0 settlement in USDT as the gaming plans. Broker traffic is underwritten as broker traffic.
What are the transaction limits in Indonesia?
On ZenexPay's Indonesia channel, collections run 10K–10M IDR on every plan. On the standard plan, bank payouts run 10K–2M IDR and DANA payouts 10K–20M IDR. On ZenexPay's regulated-market and FX plans, bank payouts run 50K–50M IDR and wallet payouts 50K–10M IDR, all settled D+0 in USDT.
How does settlement work in Indonesia?
ZenexPay settles Indonesia volume at D+0, so rupiah collected today is settled the same day in USDT and operators are never carrying overnight rupiah exposure. That applies across all three ZenexPay Indonesia plans, alongside payouts priced at a flat 0.1% + 1,500 IDR to banks and wallets.
How long does QRIS API integration take?
Integrating ZenexPay's Indonesia QRIS channel typically takes 3–5 business days on one collection and payout API, with ZenexPay engineers supporting directly in your Telegram thread rather than a ticket queue. The same integration presents QRIS codes and VA details and returns payouts to Indonesian banks and wallets.
Nearby markets

Other channels in Southeast Asia

Operators expanding across the region usually add these next. Each page carries its own published rate card.

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See all markets →

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