Indonesian Rupiah (IDR)
Published processing fees and market availability for the Indonesian Rupiah (IDR) across 8 gateways, bank acquirers, and payment rails serving Indonesia. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Asia-Pacific payments guide · All Asia currencies
Who serves this currency
All 8 gateways, bank acquirers and wallets serving IDR markets, including providers with published IDR fee schedules (2) and custom/quote-only processors (6).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| XenditCredit cards 2.9% + Rp 2,000. QRIS 0.7%, E-wallets (OVO/Dana/ShopeePay) 1.5%–2%, Virtual Accounts Rp 4,000 flat. | Published fees |
| HitPayRegional availability, ask for a quote. | Serves this market |
| 2C2PAnt Group-owned Southeast Asian enterprise payment gateway supporting 400+ regional methods (PromptPay, QRIS, GCash, TrueMoney, cards). Custom merchant pricing. | Serves this market |
| Midtrans (GoTo)Indonesia credit cards 2.9% + Rp 2,000; QRIS 0.7%; GoPay/ShopeePay 2.0%; Bank Virtual Account Rp 4,000 flat. | Published fees |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalAvailable to merchants in 190+ countries; receiving capability varies by country. Cross-border fees are higher than domestic. | Worldwide |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (2 of 8 providers serving IDR). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified IDR rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 8 providers serving IDR.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (6 additional providers serve IDR with custom or quote-only pricing—see all 8 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| XenditCredit cards 2.9% + Rp 2,000. QRIS 0.7%, E-wallets (OVO/Dana/ShopeePay) 1.5%–2%, Virtual Accounts Rp 4,000 flat. | 2.9%+1% international cards | IDR 2,000 | n/a | +1% |
| Midtrans (GoTo)Indonesia credit cards 2.9% + Rp 2,000; QRIS 0.7%; GoPay/ShopeePay 2.0%; Bank Virtual Account Rp 4,000 flat. | 2.9% | IDR 2,000 | n/a | Same rate |
Monthly, plan & setup fees (IDR)
5 of 8 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| XenditPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| HitPayPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| 2C2PAPAC enterprise & mid-market payment gateway contract | Bank MID / custom | Custom / quote | Custom |
| Midtrans (GoTo)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
Indonesian Rupiah (IDR) payment gateway FAQs
Which payment gateways and processors serve Indonesia (IDR)?
Sympli5 tracks 8 payment gateways, bank acquirers, and payment rails serving Indonesia (Indonesian Rupiah, IDR), including PayPal, Adyen, Checkout.com, Xendit, HitPay, 2C2P and 2 others. Of these, 2 publish verifiable standard IDR per-transaction schedules and 6 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Indonesian Rupiah (IDR)?
Among the 2 providers with publicly verified IDR schedules, the lowest headline variable rate starts at 2.9% + IDR 2,000 via Xendit. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive IDR calculator on this page to compare exact net payouts.
Do IDR payment gateways charge monthly or setup fees?
Of the 8 providers serving IDR markets, 5 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 3 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for IDR transactions?
An international (foreign-issued) card fee applies when a customer pays your business in IDR using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In IDR, providers like Xendit (+1%) add an explicit cross-border card surcharge on top of their domestic rate.