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.
2

Hi @Wulandika ,

Thank you for reaching out to the Community! I’m happy to provide some assistance with locating a payment provider for the shop, to ensure this gets resolved.

Shopify has integrated with over 100 different third-party payment providers to allow you to continue accepting credit cards online. Due to this, I encourage you to check out this complete list of all available payment providers within Indonesia.

As these fees and charges will likely vary across payment providers, I encourage you to continue connecting with them directly for clarification. They will be able to share more information on any fees and charges, as well as answer any other questions that you may have when it comes to selecting the best provider for the shop.

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.