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.
*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%)
Android users
iOS users
Credit & Debit Card ownership
App downloads in 2025
App revenue (USD) in 2025
Indonesia’s highly Android-dominant market limits Apple Pay’s effectiveness for enabling online payments.
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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