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Indonesia
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Cross-Border QRIS Payments and Local Payment Methods in Indonesia
Indonesia's payment ecosystem is centered around QRIS, the national interoperable QR standard connecting banks and digital wallets. The market continues to experience rapid growth in mobile wallets, real-time payments and cross-border QR interoperability.
Cross-Border Payment Infrastructure for Global Growth
Local Payment Infrastructure
Connect to local payment methods, bank transfers and digital wallets through a single API. Expand into new markets faster with regulated cross-border payment infrastructure.
Payments & Payouts
Accept customer payments, automate partner payouts and simplify global money movement through regulated fintech infrastructure.
Industries We Support
Supporting e-commerce, travel, gaming, marketplaces, financial institutions, PSPs and fintech companies expanding into new markets.
One API
Launch new markets faster without building separate local payment integrations. Reduce operational complexity while improving payment acceptance and customer experience.
Expand into new markets with regulated cross-border payment infrastructure. 8B connects businesses to local payment methods, national QR networks, bank transfers and digital wallets through a single API, helping businesses launch faster while reducing integration complexity.
Offer customers the payment methods they already know and trust.
Supported Payment Methods
QRIS (Quick Response Code Indonesian Standard) is Indonesia’s national QR payment standard introduced by Bank Indonesia. It unifies banks, digital wallets and payment providers under a single interoperable QR code, allowing consumers to pay using their preferred app. By 2025, QRIS had reached around 40 million merchants and 57.6 million users, making it one of Southeast Asia’s largest QR payment ecosystems.
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Reasons for Popularity
Adopted universally since 2020, QRIS streamlines transactions for businesses and consumers alike
QRIS provides user interoperability with other popular wallet brands: one QR code for all payment applications
Able to quickly find out incoming transactions without logging in to the QRIS dashboard. Notification of incoming transactions can be obtained from the QRIS Application
Virtual Accounts (VA) in Indonesia are ad-hoc bank account details to receive bank payments to real bank accounts without sharing the underlying bank details. Each bank has their own system of creating and managing VAs
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Reasons for Popularity
Compared to bank transfers, virtual accounts are usually not charged additional fees by banks or transaction service providers
Users can directly make payments by copying the virtual code they get and the transaction will automatically be recorded under their name with the nominal that has been given
Virtual accounts allow payments to be made by anyone including those who do not have a bank account
OVO is one of Indonesia’s major digital wallets, used for mobile payments, merchant transactions, transfers, rewards and online services. It is widely recognized in Indonesia’s consumer payment ecosystem and is commonly used alongside QRIS-based payments. For businesses targeting Indonesian consumers, OVO provides access to wallet users who prefer mobile-first checkout and app-based payment experiences.
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Reasons for Popularity
OVO enables users to carry out digital payment transactions even if they don't own a bank account
OVO is available in 90% of Indonesia's shopping malls and is accepted at over 500,000 merchants, making it a dominant player in both offline retail and e-commerce
OVO's partnerships with Grab and leading Indonesian e-commerce platform Tokopedia have significantly boosted its user base
DANA is one of Indonesia’s leading digital wallets, used for QR payments, money transfers, bill payments, mobile top-ups and everyday digital transactions. The wallet is integrated with Indonesia’s broader QRIS ecosystem, allowing users to pay merchants through standardized QR codes. DANA reported reaching around 200 million users in 2024, making it one of the most important wallet brands for businesses targeting Indonesian consumers.
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Reasons for Popularity
As a digital wallet, it allows users to make payments with either their saved cards, e-wallet funds, or dynamic QR codes
Making payments with DANA requires no further steps than scanning the digital wallet’s generated QR code
Fully assured and protected - Monitored by Bank Indonesia & KOMINFO, PCI DSS & ISO 27001 certified, DANA is always secured
The e-wallet arm of Shopee, one of the largest e-commerce platforms in Southeast Asia, offering QR code payments, bill payments, cashback and rewards, top-up options
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Reasons for Popularity
ShopeePay provides a user-friendly option for those without a card, particularly catering to the unbanked population
Users can easily link their ShopeePay accounts to multiple funding sources, including bank accounts and other e-wallets, providing flexibility in how they manage and spend their money
Unlimited Free Transfers to Banks and fellow ShopeePay users make ShopeePay an attractive option for merchants by reducing transaction costs and encouraging more seamless financial operations
Built for Developers
Modern APIs, clean documentation and rapid integration.
Built for Finance Teams
Automated reconciliation, transparent reporting and streamlined settlements.
Built for Customers
Trusted local payment methods, smooth checkout journeys and fewer abandoned carts.
