Hi Yoki,
I’m also from Indonesia and have the same problem finding a payment provider. What have you figured out?
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.