5 Recommended Online Payment System For Your E-Commerce

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Non-cash payment is growing and have become popular in Indonesia recently. Development in information technology have also impacted the banking and business world in adopting online payment system that has highlighted Indonesia with the usage of card-based payments, Internet banking, and E-payment. Not only network-based payment is more efficient for banks, it is also more practical for customers.

If you’re serious about making money online and you’re planning to build your own e-commerce business in Indonesia, then this article is for you!

No matter what business you’re in right now, sooner or later you will also need to adopt online payment technology. Need more reason to convince yourself? Take a look at the statistic below:

Internet Users in Indonesia

and still counting, (via. Internet Live Stats)


Nearly 20% of Indonesia’s population is an internet  user. Not forget to mention that the numbers keeps growing every year. Besides that, the emergence of e-commerce also play an important role to indicates that online payment has and will grow rapidly in the near future.

Below is a list of Indonesian payment gateway. We are not going to discuss whether these are good payment gateways or not but we are going to give some information for you to help in your choice:

1. Faspay

Established on 2014, they have provided moreFaspay than 2 million people in Indonesia and have completed over than 80,000 transactions within the country worth IDR 200 billion. They equipped all payment system provider, include internet banking, mobile banking, ATM and e-wallet. They also partnered up with the top 5 banks in Indonesia, so you can easily establish relationship with your customers.

2. IpayMu 

IpayMu IpayMu was created in 2012. They helps about online payment with credit card, debit card and PayPal. IpayMu also offers all access to all bank in Indonesia, so your online business able to accept the transactions from the total of 137 bank in Indonesia.

3. UNIK 

UNIKLaunched in December 2011, UNIK is a mash up between PayPal and M-Pesa, a mobile network payment solution coupled with a network of banking agents. UNIK allows users to shop online, pay bills, top up air time, buy game vouchers and pay using an escrow service. Therefore, if online buyer’s deposit found on UNIK accounts, they can pay on partner’s online shop with their account as well as paying bills.

4. Veritrans 

veritransVeritrans simplify online transactions. Why? First of all, Veritrans Indonesia is a joint venture with Veritrans Inc. and Midplaza holding. Since 2012, they propose online credit card payment system with a free fraud detection system.  They also partnered up with top bank and celular operator in Indonesia to collect all online payment method.

5. Indomog

Founded in the year of 2008, Indomog is the only authorized re-seller of ZyIndomognga in Indonesia. It is a provider of online payment solution with various payment methods that allow users to conduct transactions online. They provides payment solution that cater for local culture and Indonesian online buying habits and trends.


In terms of volume and value, card based payment transactions in Indonesia, particularly for credit card, ATM card and debit card has grow significantly over the years. Therefore, you can predict how the usage will do in the upcoming years. The top 5 system that we listed have already done the homework and established close relationship with top banks in the country. Besides that, it is globally secure too.

I hope this list will help you prepare your e-commerce business for online payment revolution. If you have another potential payment gateway in Indonesia that should be listed here, just leave a comment and we’ll discuss further.



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