OVO is one of Indonesia’s leading digital wallet. Launched in 2017, it enables cashless payments for a wide range of everyday needs, from retail shopping and online transactions to transportation, bills, and food delivery. OVO also offers rewards points, investment products, and integration with major partners across Indonesia’s digital ecosystem. By combining convenience with loyalty benefits, OVO has become a key player in advancing the adoption of digital finance and supporting financial inclusion in Indonesia. Learn more about OVO.

Payment method properties


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

Make an OVO payment

OVO 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 OVO payment, you'll need to provide the following data at minimum when calling our payment charges API:

Field	Description
paymentMethod	`OVO_WALLET`
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 where the consumer is shopping.
consumer.email	The consumer’s email address
consumer.phone	The consumer phone number.
order.shippingAddress.street	Street name, house number and other details such as apartment number or door number
order.shippingAddress.postalCode	The address postal code.
order.shippingAddress.city	The address city.
order.shippingAddress.country	The address region.
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	Add the URL where the consumer should be redirected after they complete the payment. Required for the `REDIRECT` flow.

Request

POST /v1/payment-charges

{
    "paymentMethod": "OVO_WALLET",
    "amount": {
        "value": 1000000,
        "currency": "IDR"
    },
    "consumer": {
        "name": "John Smith",
        "country": "ID",
        "email": "[email protected]",
        "phone": "123456789"
    },
    "order": {
        "shippingAddress": {
            "street": "Hellersbergstraße 14",
            "postalCode": "41460",
            "city": "Berlin",
            "country": "AU"
        },
        "orderItems": [
            {
                "name": "Product Name 1",
                "quantity": 1,
                "amount": 100
            }
        ]
    },
    "authenticationSettings": [
        {
            "type": "REDIRECT",
            "settings": {
                "returnUrl": "https://www.ppro.com/"
            }
        }
    ]
}

Response

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

{
    "id": "charge_0BtwLaELMc2fkz4xGrgew",
    "paymentMethod": "OVO_WALLET",
    "paymentMedium": "ECOMMERCE",
    "scheduleType": "UNSCHEDULED",
    "instrumentId": "instr_KmW7uHuFsjPsJk8TiI39U",
    "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
            }
        ],
        "shippingAddress": {
            "street": "Hellersbergstraße 14",
            "postalCode": "41460",
            "city": "Berlin",
            "country": "AU"
        },
        "industryData": []
    },
    "authenticationMethods": [
        {
            "details": {
                "requestUrl": "https://redirection-target.ppro.com",
                "requestMethod": "POST"
            },
            "type": "REDIRECT"
        }
    ],
    "authorizations": [
        {
            "id": "authz_9AR5frjFTacT440LkMkoQ",
            "amount": 1000000,
            "status": "AUTHENTICATION_PENDING",
            "createdAt": "2025-08-29T09:46:54.676Z",
            "updatedAt": "2025-08-29T09:46:54.676Z"
        }
    ],
    "captures": [],
    "refunds": [],
    "voids": [],
    "createdAt": "2025-08-29T09:46:52.037Z",
    "updatedAt": "2025-08-29T09:46:54.676Z",
    
    "_links": {
        "authorizations": {
            "href": "/v1/payment-charges/charge_0BtwLaELMc2fkz4xGrgew/authorizations"
        },
        "captures": {
            "href": "/v1/payment-charges/charge_0BtwLaELMc2fkz4xGrgew/captures"
        },
        "refunds": {
            "href": "/v1/payment-charges/charge_0BtwLaELMc2fkz4xGrgew/refunds"
        },
        "voids": {
            "href": "/v1/payment-charges/charge_0BtwLaELMc2fkz4xGrgew/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 OVO, with no additional data provided.

Request

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

Response

{
    "id": "instr_KmW7uHuFsjPsJk8TiI39U",
    "type": "PASSTHROUGH_WALLET"
}

Payment method properties

Make an OVO payment

Request

Response

Pick the desired authentication method

Handling the payment result

Payment instrument

Request

Response

Sandbox testing