Indonesia Payment Gateways Compared: QRIS, E-Wallets & Fees
Every Indonesian gateway publishes QRIS at 0.7%, so the rate is not the comparison. Midtrans, DOKU, Duitku and Xendit compared on what actually changes the bill: Xendit's flat IDR 4,000 per-transaction fee, and each provider's e-wallet rates.
Midtrans, DOKU, Duitku and Xendit all publish QRIS at 0.7%, so the QRIS rate is genuinely not a differentiator — but the QRIS bill is. Xendit adds a flat IDR 4,000 processing fee to every Indonesian payment method, so a IDR 100,000 QRIS sale costs IDR 700 at Midtrans, DOKU and Duitku and IDR 4,700 at Xendit, and the gap widens as the ticket shrinks: at IDR 50,000 Xendit's effective QRIS cost is 8.7% against 0.7%. Where providers do differ on the QRIS rail itself is VAT treatment — Midtrans quotes QRIS, GoPay and ShopeePay inclusive of PPN while pricing every other method exclusive of it, DOKU quotes all of its rates exclusive of PPN, and Xendit marks its 0.70% VAT-inclusive. E-wallets are where the published rates actually diverge: Duitku charges 1.67% for OVO, DANA and LinkAja against Midtrans's DANA 1.5%, GoPay 2% and ShopeePay 2%, and DOKU publishes a single 1.5% e-wallet rate. Two corrections to what this page said before: DOKU charges no setup fee and no monthly fee, which its pricing page states outright, and HitPay is not an Indonesian gateway — its pricing page offers only Singapore, Malaysia, Philippines and Global as merchant countries and never mentions QRIS.
| Gateway | QRIS | Effective cost on a IDR 100,000 QRIS sale | E-wallet rates | Setup / monthly fee |
|---|---|---|---|---|
| Midtrans | 0.7%, quoted PPN-inclusive | IDR 700 | DANA 1.5% · GoPay 2% · ShopeePay 2% (GoPay and ShopeePay PPN-inclusive) | No setup fee for standard accounts |
| DOKU | 0.7%, quoted exclusive of PPN | IDR 700 before PPN | 1.5% | No setup fee, no monthly fee (stated on its pricing page) |
| Duitku | 0.7% | IDR 700 | OVO / DANA / LinkAja 1.67% · ShopeePay 2% · OVO digital 3.03% · ShopeePay digital 4% · LinkAja IDR 3,330 flat | No setup fee |
| Xendit | 0.70%, VAT-inclusive, plus a flat IDR 4,000 Xendit processing fee | IDR 4,700 — 6.7× the other three | Rates vary by wallet and merchant type; the IDR 4,000 flat fee applies to each | No setup fee; flat fee applies per transaction |
| HitPay | Not offered — QRIS does not appear on its pricing page | Not applicable | Indonesia is a payer country only: IDR 2% online, 1.5% in-person | Merchant countries are Singapore, Malaysia, Philippines and Global |
SEA Operational Reasoning
The standard advice on Indonesian gateways — that QRIS is rate-regulated so it cannot be where providers differ — is half right and leads people to the wrong conclusion. The percentage is identical at 0.7% across Midtrans, DOKU, Duitku and Xendit, and DOKU's support team confirmed the figure to us directly. What that framing misses is the flat fee: Xendit attaches a flat IDR 4,000 processing fee to every Indonesian payment method, QRIS included, and a flat fee against a percentage-priced rail behaves very differently by ticket size. At IDR 500,000 it is 0.8% of the sale on top of the 0.7% and defensible; at IDR 50,000 it is 8% and there is no volume argument that recovers it. Any Indonesian merchant whose QRIS basket is small — food and beverage, kiosks, single-item retail — should read that as the whole comparison. After price, three things decide. Integration effort favours Midtrans for a standard store, whose WooCommerce, Magento and OpenCart plugins get a launch live in roughly one to two weeks; Xendit's flat fee buys a rate card that also prices Thailand's PromptPay QR, the Philippines' QRPH, Vietnam and Malaysia, so a team planning a second market integrates once. E-wallet mix is the second: Duitku's flat 1.67% for OVO, DANA and LinkAja is cheaper than Midtrans's GoPay and ShopeePay at 2% but more expensive than its DANA at 1.5%, and Duitku prices digital goods separately and much higher — OVO digital at 3.03% and ShopeePay digital at 4% — so a digital-goods seller should price that rail before anything else. Risk posture is third: DOKU is Bank Indonesia PJP Level 1-licensed and has operated since 2007. Finally, compare like with like on tax. Midtrans quotes QRIS, GoPay and ShopeePay inclusive of PPN but every other method exclusive; DOKU states its whole rate card is exclusive of PPN; Xendit marks QRIS VAT-inclusive. Two of those three numbers need 11% added before they line up.
Related Expert Guides
- ↗Midtrans publishes QRIS 0.7%, cards 2.9% + IDR 2,000, virtual account IDR 4,000 flat across every listed bank, GoPay 2%, ShopeePay 2% and DANA 1.5%, and states that all transaction fees exclude PPN except QRIS, GoPay and ShopeePayverified 2026-08-21
- ↗Xendit's rate card adds a flat IDR 4,000 Xendit processing fee on top of the payment-method fee for every Indonesian method: QRIS 0.70% VAT-inclusive + IDR 4,000, virtual accounts IDR 9,000 + IDR 4,000, cards 2.90% + IDR 2,000 + IDR 4,000verified 2026-08-21
- ↗DOKU publishes QRIS 0.7%, cards 2.80% + IDR 2,000, e-wallet 1.5% and virtual account IDR 4,000, with the note that prices exclude PPN (Harga belum termasuk PPN)verified 2026-08-21
- ↗Duitku publishes QRIS 0.7%, cards 2.9% + IDR 2,500, and virtual account fees that differ by bank — IDR 1,500 Artha Graha and Sahabat Sampoerna, IDR 3,000 most banks, IDR 4,000 Mandiri, IDR 5,000 BCA — plus OVO/DANA/LinkAja 1.67% and ShopeePay 2%verified 2026-08-21
- ↗HitPay's pricing page offers only Singapore, Malaysia, Philippines and Global as merchant countries and never mentions QRIS; Indonesia appears solely as a payer country under Cross-Border Payments at IDR 2% online and 1.5% in-personverified 2026-08-21
- ↗DOKU Customer Support (ticket #1126761) replied to our fact-check email confirming the 0.7% QRIS MDR, PJP Level 1 licence and cross-border QRIS acceptance, and corrected none of the figures we publishedverified 2026-08-18
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The questions operators actually ask.
Is QRIS cheaper on one Indonesian gateway than another?
The rate is not — Midtrans, DOKU, Duitku and Xendit all publish 0.7%. The bill is. Xendit adds a flat IDR 4,000 processing fee to every Indonesian payment method, so the same IDR 100,000 QRIS sale costs IDR 700 at the other three and IDR 4,700 at Xendit. On a IDR 50,000 sale that is 0.7% against 8.7%. If your average QRIS ticket is small, that single flat fee is the entire comparison.
Which Indonesian gateway has the cheapest e-wallet rates?
It depends on the wallet. DOKU publishes a single 1.5% e-wallet rate. Midtrans prices DANA at 1.5% but GoPay and ShopeePay at 2%. Duitku charges 1.67% for OVO, DANA and LinkAja and 2% for ShopeePay, with a LinkAja fixed-fee option at IDR 3,330. Duitku also prices digital goods separately and far higher — OVO digital 3.03%, ShopeePay digital 4% — so sellers of digital products should check that row specifically rather than the headline.
Does DOKU charge a setup fee?
No. DOKU's pricing page states plainly that there is no setup fee and no monthly fee. An earlier version of this page said DOKU 'may have a setup fee' with a three-to-six week onboarding; that contradicted the vendor's own published page and has been corrected.
Midtrans or Xendit for an Indonesian online store?
Midtrans, unless you are launching in a second Southeast Asian market. For a typical Indonesian store, Midtrans's WooCommerce, Magento and OpenCart plugins get a launch live in about one to two weeks and it charges no flat per-transaction fee, so small QRIS baskets cost 0.7% rather than 0.7% plus IDR 4,000. Xendit's flat IDR 4,000 buys a single API that also prices PromptPay in Thailand, QRPH in the Philippines, Vietnam and Malaysia — worth paying for a multi-country roadmap, not for Indonesia alone.
Do these fees include Indonesian VAT?
Not consistently, and that is a real trap when comparing. Midtrans quotes QRIS, GoPay and ShopeePay inclusive of PPN and every other payment method exclusive of it. DOKU states its whole rate card is exclusive of PPN. Xendit marks its QRIS 0.70% VAT-inclusive. Before comparing two providers, add 11% to the exclusive figures so both sides are on the same basis. Midtrans separately notes that gaming and digital-product companies are charged different rates entirely.