What is the best free payment gateway for use in Indonesia?

Payments + Shipping & Fulfilment

Topic summary

Indonesian Shopify merchants are struggling to find suitable payment gateways that balance cost, functionality, and multi-currency support.

Main Challenges:

  • High setup fees (one provider quoted $1,000) and transaction costs
  • Inability to accept both digital and physical product payments with single providers
  • Currency conversion issues: stores display AUD/USD during browsing but force IDR at checkout, causing cart abandonment
  • Shopify Payments unavailable in Indonesia
  • Limited Apple Pay support for Indonesia-registered stores selling internationally

Payment Solutions Mentioned:

  • Xendit: Recommended for major credit cards and local payment methods
  • Midtrans and Doku: Listed as major Indonesian options
  • PayPal: Works for USD base currency, deposits directly to Indonesian banks
  • NihaoPay: Offers free integration with Indonesia and global e-wallet support
  • MontyPay: Recently suggested as covering Indonesian payment methods

Regulatory Constraint:
Indonesian stores must use IDR as base currency due to local regulations and lack of Shopify Payments, limiting multi-currency pricing features.

A Shopify Expert offered custom solutions for merchants needing to sell internationally with different pricing per country, though the thread shows this remains an ongoing challenge for many sellers.

Summarized with AI on October 28. AI used: claude-sonnet-4-5-20250929.
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I’m having the same as problem as well, Xendit offers a lot of payment options. However it is a hassle to work with extra currency changing apps, the IDR showing at the checkout page. I’ve had contact with Shopify multiple times, asking if they can please launch Shopify Payments in Indonesia as well. So far no result, unfortunately.

I was wondering if you had any result so far about this subject?