Indonesian online bank transfers are a widely used and trusted payment method among local consumers. We support all major Indonesian banks and financial institutions offering internet banking services, including Bank Mandiri, BRI (Bank Rakyat Indonesia), BNI (Bank Negara Indonesia), CIMB Niaga, Permata Bank, Danamon, and Maybank. Learn more about Indonesian Banks.

Payment method properties


Markets (consumer)	`ID`
Processing currencies	`IDR`
Consumer currencies	`IDR`
Authentication methods	`REDIRECT`
Authentication timeout	6 hours
Minimum payment amount	IDR 10,000.00
Maximum payment amount	For non-KYC users: IDR 2,000,000.00 For KYC users: IDR 10,000,000.00
Payment instrument	`PASSTHROUGH_WALLET`
Recurring payments	No
Separate captures	No
Refund	No
Refund validity	N/A
Disputes	No
Settlement risk	No

Make an Indonesian Bank payment

Indonesian Bank payments follow our standardized REDIRECT payment flow. Enabling you to offer a seamless desktop experience. We recommend including all relevant settings for any authentication methods you support.

To create an Indonesian Bank payment, you'll need to provide the following data at minimum when calling our payment charges endpoint:

Field	Description
`paymentMethod`	`INDONESIAN_BANKS`
`amount.value`	The amount to be paid in the smallest units of the currency used.
`amount.currency`	`IDR`
`consumer.name`	Full name of the consumer.
`consumer.country`	The country of residence of the consumer.
`consumer.email`	The consumer’s email address
`consumer.phone`	The consumer phone number.
`order.orderItems.name`	The order item name.
`order.orderItems.quantity`	The order item quantity.
`order.orderItems.amount`	The amount to pay for each individual item in the payment charge currency's smallest unit.
authenticationSettings: REDIRECT `settings.returnUrl`	Specify the URL to which the consumer should be redirected after completing the payment. This is required for the `REDIRECT` payment flow.

📘
Guidance
To improve the consumer experience and payment traceability, consider including the following fields. See the API Reference for full details.
Fields Description
order.shippingAddress The shipping address details can be provided to help with fraud prevention.

Fields	Description
`order.shippingAddress`	The shipping address details can be provided to help with fraud prevention.

Request

POST /v1/payment-charges

{
    "paymentMethod": "INDONESIAN_BANKS",
    "amount": {
        "value": 1000000,
        "currency": "IDR"
    },
    "consumer": {
        "name": "John Smith",
        "country": "ID",
        "email": "[email protected]",
        "phone": "123456789"
    },
    "order": {
        "orderItems": [
            {
                "name": "Product Name 1",
                "quantity": 1,
                "amount": 1000000
            }
        ]
    },
    "authenticationSettings": [
        {
            "type": "REDIRECT",
            "settings": {
                "returnUrl": "https://www.webshop.com/order-results-page"
            }
        }
    ]
}

Response

You'll receive our standard payment charge response with the available authentication methods:

{
    "id": "charge_uRfD7h1D6LW2qNVuAejlc",
    "paymentMethod": "INDONESIAN_BANKS",
    "paymentMedium": "ECOMMERCE",
    "scheduleType": "UNSCHEDULED",
    "instrumentId": "instr_x9ExETpIIsLCBNgA15Af1",
    "currency": "IDR",
    "country": "ID",
    "status": "AUTHENTICATION_PENDING",
    "consumer": {
        "name": "John Smith",
        "email": "[email protected]",
        "phone": "123456789",
        "country": "ID"
    },
    "order": {
        "orderItems": [
            {
                "name": "Product Name 1",
                "quantity": 1,
                "amount": 1000000
            }
        ],
        "industryData": []
    },
    "authenticationMethods": [
        {
            "details": {
                "requestUrl": "https://redirection-target.ppro.com",
                "requestMethod": "POST"
            },
            "type": "REDIRECT"
        }
    ],
    "authorizations": [
        {
            "id": "authz_jk6QMUTcy3JokM3nc9IjR",
            "amount": 1000000,
            "status": "AUTHENTICATION_PENDING",
            "createdAt": "2025-08-29T12:43:57.754Z",
            "updatedAt": "2025-08-29T12:43:57.754Z"
        }
    ],
    "captures": [],
    "refunds": [],
    "discards": [],
    "voids": [],
    "createdAt": "2025-08-29T12:43:57.552Z",
    "updatedAt": "2025-08-29T12:43:57.754Z",
    
    "_links": {
        "authorizations": {
            "href": "/v1/payment-charges/charge_uRfD7h1D6LW2qNVuAejlc/authorizations"
        },
        "captures": {
            "href": "/v1/payment-charges/charge_uRfD7h1D6LW2qNVuAejlc/captures"
        },
        "refunds": {
            "href": "/v1/payment-charges/charge_uRfD7h1D6LW2qNVuAejlc/refunds"
        },
        "discards": {
            "href": "/v1/payment-charges/charge_uRfD7h1D6LW2qNVuAejlc/discards"
        },
        "voids": {
            "href": "/v1/payment-charges/charge_uRfD7h1D6LW2qNVuAejlc/voids"
        }
    }
}

Pick the desired authentication method

REDIRECT

Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
The consumer will be presented with the reference number and instructions to complete the payment.

Handling the payment result

REDIRECT

After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

Payment instrument

A PASSTHROUGH_WALLET instrument will be created for Indonesian Bank payments, with no additional data provided.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{
    "id": "charge_uRfD7h1D6LW2qNVuAejlc",
    "type": "PASSTHROUGH_WALLET"
}

Online Banking Indonesia

Payment method properties

Make an Indonesian Bank payment

Guidance

Request

Response

Pick the desired authentication method

Handling the payment result

Payment instrument

Request

Response

Sandbox testing