Indonesia Payment Gateways Compared: QRIS, E-Wallets & Fees
A neutral comparison of Indonesia's main payment gateways (Midtrans, Xendit, DOKU, Duitku, HitPay) on QRIS and e-wallet fees, coverage and setup — with the Bank Indonesia QRIS rate that most vendor pages gloss over.
For an Indonesian business in 2026, the shortlist is **Midtrans**, **Xendit**, **DOKU** and **Duitku** — and the single fact worth knowing first is that the **QRIS merchant fee is set by Bank Indonesia (0.7% per transaction)**, so it is broadly the same wherever you go; the real differences are in e-wallet and virtual-account (VA) pricing, coverage, and integration. **Midtrans** is the most widely used and the fastest to launch with ready-made plugins; **Xendit** has the most developer-friendly API and is the natural pick if you plan to expand across Southeast Asia; **DOKU** is one of the oldest (since 2007) and leans on OJK-compliant stability; **Duitku** tends to have the lowest VA fees. Confirm current rates on each provider's page before committing, since e-wallet and VA pricing move.
| Gateway | QRIS / e-wallet fee | Strength | Setup |
|---|---|---|---|
| Midtrans | QRIS ~0.7% (BI-regulated); e-wallet from ~1.5% | Most widely used; ready-made plugins (WooCommerce, Magento) | Free, ~1-2 weeks |
| Xendit | QRIS ~0.7%; e-wallet from ~1.5% | Developer-friendly API; strongest for SEA expansion | Free, ~1-2 weeks |
| DOKU | QRIS ~0.7%; e-wallet from ~1.5% | Among the oldest (2007); OJK-compliant, stability-first | May have a setup fee, ~3-6 weeks |
| Duitku | QRIS ~0.7%; e-wallet ~1.67% (DANA/OVO) | Tends to have the lowest virtual-account (VA) fees | Free |
| HitPay | e-wallet from ~0.8% (narrower ID coverage) | Simple, cross-SEA; lighter Indonesian method depth | Free |
SEA Operational Reasoning
Most gateway comparisons for Indonesia lead with headline percentages, which is misleading because the biggest single rail — QRIS — is rate-regulated by Bank Indonesia at 0.7%, so it is not where providers actually differ. Once you set that aside, three practical questions decide it. First, integration effort: Midtrans wins for a standard store because its plugins get you live in a couple of weeks, while Xendit wins for a product team that wants a clean API and room to add Philippines, Malaysia or Thailand later. Second, cost on the rails you actually use: if a lot of volume runs through virtual accounts, Duitku's lower VA fees matter more than a headline e-wallet rate; if you lean on cards, the ~2.9% + fixed-fee band is similar across providers. Third, risk posture: DOKU trades some speed and setup cost for a long OJK-compliant track record, which some finance teams value. HitPay is the lightweight cross-border option but has thinner Indonesian coverage. Because e-wallet and VA pricing change, treat the figures here as a starting shortlist and confirm live rates with each provider.
Related Expert Guides
The questions operators actually ask.
Is QRIS cheaper on one gateway than another?
Not really. The QRIS merchant discount rate is regulated by Bank Indonesia at 0.7% per transaction, so it is broadly consistent across Midtrans, Xendit, DOKU, Duitku and others. Providers differentiate on e-wallet and virtual-account fees, coverage, settlement speed and integration — not on the QRIS rate itself.
Midtrans or Xendit for an Indonesian online store?
For a typical store that wants to launch fast, Midtrans is the most widely used and offers ready-made plugins (WooCommerce, Magento, OpenCart) that get you live in about 1-2 weeks. Xendit suits product/engineering teams that want a more flexible API and plan to expand across Southeast Asia. Both offer free setup for standard accounts.
Which gateway has the lowest fees overall?
It depends on your mix. QRIS is fixed at 0.7% everywhere; for virtual-account-heavy businesses, Duitku tends to have the lowest VA fees; card fees sit around 2.9% plus a small fixed fee across most providers. Compare on the specific rails you use rather than a single headline rate.