Can US payment processor accept Indonesian bank cards?

Payments + Shipping & Fulfilment
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Topic summary

Topic: Whether a US-based Shopify Payments account can process Indonesian customers’ bank cards for a store targeting Indonesia.

Key points:

  • The merchant (US citizen) plans to sell in Indonesia and currently uses Shopify Payments (US). They ask if Indonesian bank cards will work.
  • Shopify support requests clarification on whether the merchant has physical operations in the United States (e.g., an office), suggesting this may affect eligibility for Shopify Payments US.

Guidance provided:

  • If there is no physical US operation, the merchant should use a third-party payment provider available in their region. Shopify links to its directory of supported gateways and documentation on third-party providers.
  • For specifics on card acceptance (e.g., Indonesian bank cards), the merchant should contact the chosen payment provider directly.

Status:

  • No definitive yes/no answer yet on US Shopify Payments accepting Indonesian cards; outcome depends on the merchant’s US physical presence and provider policies.

Action items:

  • Confirm physical US operations status.
  • If none, select a regional third-party gateway and consult them on Indonesian card acceptance.
Summarized with AI on January 3. AI used: gpt-5.
1

Hello,

I’m going to open my first store in Indonesia since tik tok is offering ad credit there. I am a US citizen so I have my site country as US and use the Shopify US Payment Processor.

-Is the Shopify US Payment Processor ok to use for people with Indonesian bank cards?

2

Hi @Davee326 ,

Thank you for reaching out to the Community! I’d be happy to provide some assistance with this request to ensure it gets resolved. To gather a bit more information, do you have physical operations (i.e office building) within the United States?

If not, I encourage you to check out this complete list of all available third-party payment providers in your region. Shopify has integrated with over 100 different third-party payment providers to allow you to continue accepting credit cards online.

For any questions that you may have regarding a specific payment provider, I encourage you to connect with them directly. They will be able to share more information with you and answer any other questions that you may have.

For more information on this, you can check our Third-Party Payment Providers documentation as it touches on this further.

Please let me know if you have any other questions or concerns.