All market guides

Indonesia

Indonesia’s payment landscape in 2026 is mobile-first, with digital wallets and carrier billing leading how consumers pay. These alternative payment methods account for over 65% of transaction volume, outpacing credit and debit cards. For global merchants, prioritizing localized payment integration is key to reaching Indonesia’s large and growing consumer base and unlocking growth.

Bank Transfers

34.4%

Bank Transfers34.4%

QRIS

20.5%

QRIS20.5%

DANA

14%

DANA14%

Go-Pay

11.8%

Go-Pay11.8%

OVO

8.4%

OVO8.4%

Shopee Pay

5.2%

Shopee Pay5.2%

Others

5.7%

Others5.7%

*Data is for Codapay in the period of 1st Oct 2024 - 30th Sep **Other payment methods: XL (1.3%), Telkomsel (0.9%), Indosat (0.7%), Indomaret (0.7%), Card Payments (0.5%), LinkAja (0.4%), Doku Wallet (0.4%), Tri (0.3%), Alfmart (0.3%), Smartfren (0.1%), Paypal (0.1%), Kredivo (0.1%)

Impact figures

88%

Android users

12%

iOS users

5.9%

Credit & Debit Card ownership

7.9B

App downloads in 2025

735.2M

App revenue (USD) in 2025

Insights

Digital wallets

Indonesia’s highly Android-dominant market limits Apple Pay’s effectiveness for enabling online payments.

Cards

Credit & Debit cards have low penetration in-market, reducing the effectiveness of this channel and likely overlapping significantly with the Apple user population.

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