| Payment Gateway | Midtrans | FasPay | iPaymu | EsPay | Xendit | Doku | iPay88 | NicePay | 2Checkout | PayPal |
| Setup Fee | Free | Free | Free | Free | Free | Free | RP 8,000,000 | Free | Free | Free |
| Annual fee | Free | Free | RP 150,000 | Free | Free | Free | RP 500,000 | Free | Free | Free |
| Commission per transaction | Credit Card 2.9% + RP 2,000Bank Transfer RP 4,000 | Credit Card 3% + RP 3,000Bank Transfer RP 4,000 | Credit Card 2.8% + RP 5,000Bank Transfer RP 5,000 + 2,000 | Credit Card 2.2% + RP 3,000Bank Transfer Bank fee+ RP 2,000 | Credit Card 2.9% + RP 2,000Bank Transfer RP 4,500 | Credit Card Bank Fee + RP 2,500Bank Transfer Bank Fee + RP 2500 | Credit Card Bank fee + 2.5%Bank Transfer RP 7,000 | Credit Card 2.9% + RP 2,000Bank Transfer RP 4,000 | 3.9 % + $0.45 USD1.5% cross-border fee | Domestic 3.9% + RP 2.00Cross border 4.4% + Fixed fee-based on the currency received |
| Payment methods accepted | Credit Card AMEX, MasterCard, Visa, JCB Internet Banking CIMB Clicks, Bank BRI, BCA KlikPay, Danamon, ePay Mandiri ClickPay E-Wallet Mandidi, GoPay, Line Pay, XL Cash, BBM Money, Indosat Dompetku, tCash | Credit Card AMEX, MasterCard, Visa, JCB Internet Banking CIMB Clicks, Bank BRI, BCA KlikPay, Danamon, ePay, Bank Permata E-Wallet Rekening Ponsel, LinkAja | Credit Card AMEX, MasterCard, Visa, JCB Internet Banking BTN, KBukopin, DBS, OSBC NISP, Mandiri, CIMB Niaga, AGI, RPX E-Wallet OVO, GoPay, Dana, Sakuk, Shopee Pay | Credit Card MasterCard, Visa Internet Banking CIMB Clicks, Bank BRI, BCA KlikPay, Danamon, ePay, Bank Permata E-Wallet tCash, LinkAja, GoPay, OVO, Saldomu | Credit Card AMEX, MasterCard, Visa, JCB Internet Banking BRI, BNI, Mandiri, BCA, Permata E-Wallet OVO, Dana, LinkAja | Credit Card MasterCard, Visa, JCB Internet Banking ATM Bersama, Prima, Mandiri Clickpay, BCA Klikpay, BRI e-Pay, Alto Muamalat, Danamon, Permata Net CIMBClicks, Kredivo, KlikBCA, BNI Yap E-Wallet Doku | Credit Card MasterCard, Visa, JCB, Amex, Union Pay Internet Banking BCA Klikpay, E-pay BRI, QNB, Maybank2U, Danamon, CIMBClicks, SBI E-Wallet OVO, LinkAja, Rekening Ponsel | Credit Card AMEX, MasterCard, Visa, JCB Internet Banking BRI, BNI, Mandiri, BCA, Permata, Danamon, KEB Hana Bank, Maybank E-Wallet OVO, LinkAja | All major Credit/Debit cards PayPal, Apple Pay, Android Pay Indonesia Bank Transfer | Credit or Debit Card Visa, MasterCard, Discover American Express Indonesian Bank Transfer |
| Fraud & Risk management | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Accepted Currencies | IDR only | Major foreign currencies too | IDR only | IDR only | IDR, PHP, USD, SGD. MYR | IDR only | IDR only | All major and southeast currencies | All major Currencies | 24 Currencies (USD, RP, Euros, GBP, Yen, SGD and more currencies) |
| Set up type | Online | Online | Online | Online | Online | Online | Online | Online | Online | Online |
| Onboarding & Approvals time | 2 weeks | 1 week | 2 days | 2-3 days | 3-4 days | 1 week | 2-3 days | 14-30 days | 24-48 hours | 1-2 days |
| Recurring Billing | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Charges on Refunds | No Extra Charges | No Extra Charges | No Extra Charges | No Extra Charges | No Extra Charges | No Extra Charges | No Extra Charges | No Extra Charges | No extra charge | No extra charge |
| SDK Stacks | PHP, Ruby, Nodejs, Python, Java, Go Android, iOS | XML, Php, JSON | JSON, XML, Php, C#, go, Java Android, iOS, Javascript, Python Ruby, | JavaScript, Android, iOS | JavaScript, Android, iOS, Node.js, PHP, Go | JavaScript, Php, XML | Php, ASP, Android, iOS | Java, C#, Php, Python, Nodejs | Java, Ruby, .net, C#, Python | Java, .net, PHP, python, node, ruby |
| Settlement time | Can be set to daily, weekly & monthly | Immediate to 3 days | 3 days | 3 days | 7 days | 3 days | 3 days | 3 days | Weekly – Transfer to Bank Account | Payment into PayPal Account Instantly. |
| Payouts support | Yes | No | Yes | No | Yes | No | Yes | Yes | Yes | Yes |
| Split payments | Yes | No | Yes | No | No | No | Yes | No | Yes | Yes |
Reference :
https://devathon.com/top-10-best-payment-gateways-indonesia/
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