Midtrans
Midtrans helps businesses accept payments through cards, bank transfers, e-wallets, QRIS, over-the-counter payments, cardless credit, direct debit, and other…
What Midtrans is
Midtrans helps businesses accept payments through cards, bank transfers, e-wallets, QRIS, over-the-counter payments, cardless credit, direct debit, and other methods. Merchants can select from 25 payment methods and enable all or only some of them. Snap provides a ready-made checkout for websites and mobile apps, while Core API lets a business build its own payment flow and interface. Merchants can also create a payment page link from the dashboard without code. For ecommerce, Midtrans documents plugins for WordPress WooCommerce, Magento, PrestaShop, OpenCart, and WHMCS, plus integrations with Shopify, Sirclo, and Jejualan. Android and iOS SDKs support native in-app payments. Recurring payments can charge fixed amounts at selected intervals and retry failed transactions, but are available only through some payment channels. Midtrans says its fraud screening uses machine learning and analyst-defined rules. It states that it is licensed by Bank Indonesia, registered with Indonesia’s Ministry of Communication and Informatics, uses AES-256 encryption, and is ISO/IEC 27001 certified. Setup is free, and charges apply to successful transactions; rates vary by payment method, with different rates for gaming and digital product companies. The listed starting price is 4,000 IDR.
Good
- Merchants can choose from 25 payment methods
- Offers ready-made checkout and Core API options
- Payment links can be created without code
- Documents ecommerce plugins and platform integrations
Watch out
- Recurring payments cover only some payment channels
- Transaction fees vary by payment method
- Gaming and digital product companies may face different rates
Who it suits
Midtrans suits businesses that need to accept several payment types online, in an app, or through shared payment links. Its checkout options and ecommerce integrations may fit businesses choosing between a ready-made flow and a custom one.
Verdict
Midtrans combines multiple payment methods with checkout, API, payment-link, and ecommerce integration options. Businesses should review the applicable transaction rates and confirm whether their preferred payment channels support recurring charges.
Plans and prices
From Midtrans's own pricing page, checked 8 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Pay per successful transaction | Free | Payment method fees vary · Gaming and digital product companies may have different rates · Fees shown on the pricing page are in IDR or percentages · No subscription or integration fee; transaction fees are charged per successful transaction, with rates varying by payment method. |
| DANA | 1.50 IDR, paid once | Gaming and digital-product businesses may have different rates · per transaction |
| ShopeePay | 2 IDR, paid once | Gaming and digital-product businesses may have different rates · per transaction |
| GoPay | 2 IDR, paid once | Gaming and digital-product businesses may have different rates · per transaction |
| QRIS | 7 IDR, paid once | Gaming and digital-product businesses may have different rates · per transaction |
| OVO | 15 IDR, paid once | Gaming and digital-product businesses may have different rates · per transaction |
| Bank-transfer virtual accounts | 4,000 IDR, paid once | Bank transfer payment methods · per transaction |
| Cards | 292,000 IDR, paid once | Visa, Mastercard, JCB, American Express and UnionPay; no extra fees beyond card transaction fees · per transaction |
The facts
Each one read from Midtrans's own pages, with the date it was checked.
Where it runs
- App review complaint
- Google Play reviewers report problems with face verification, delayed name changes and slow or delayed QRIS balance updates.checked 19 Oct 2026
What it does
- Chat payments
- Payment Link lets merchants accept online payments through chat without a technical integration.checked 19 Oct 2026
- Checkout
- Snap provides a built-in checkout interface for websites and mobile apps, while Core API lets merchants create their own payment flow and interface.checked 8 Oct 2026
- Dashboard reporting
- The merchant dashboard records transactions automatically and exports reports as CSV or XLSX files.checked 19 Oct 2026
- Developer tooling
- Documentation provides API references, sandbox testing, authorization guidance, Postman collections, IP ranges, domains and error responses.checked 19 Oct 2026
- Fraud detection
- Midtrans analyzes transaction behavior with machine-learning techniques using signals such as location, email and timing.checked 19 Oct 2026
- Fraud screening
- Midtrans says its fraud detection system screens every transaction using machine learning and analyst-defined rules.checked 8 Oct 2026
- Hosted service
- Midtrans provides hosted HTTPS endpoints and hosted JavaScript checkout files, so the payment gateway itself is not presented as self-hostable.checked 19 Oct 2026
- Independent review availability
- PaymentProcessingGuide reports that Midtrans had no listings on G2, Capterra, Trustpilot or GetApp when checked in 2026.checked 19 Oct 2026
- Information security
- The company says it implements ISO/IEC 27001 and AES-256 encryption for transaction data.checked 19 Oct 2026
- Integrations
- Official integration paths include SNAP, Core API, Payment Link, Mobile, plugins and invoice financing beta.checked 19 Oct 2026
- Intended customers
- Midtrans says it provides payment solutions for businesses of any size, including startups, medium businesses, and enterprises.checked 8 Oct 2026
- Limit: currency scope
- The independent review summary says Midtrans processes Indonesian rupiah, so merchants billing in US dollars must handle conversion and currency risk.checked 19 Oct 2026
- Limit: held funds
- Reviewers report payment or withdrawal holds lasting weeks, including one reported 180-day hold after a declined transaction.checked 19 Oct 2026
- Limit: support
- Complaints describe chat waits extending to hours and email responses taking weeks.checked 19 Oct 2026
- Limit: verification delays
- Review summaries report merchant approval and document verification taking more than a month in some cases.checked 19 Oct 2026
- Mobile support
- The online payments page describes Android and iOS mobile SDKs for accepting payments natively in an app.checked 8 Oct 2026
- Payment links
- Merchants can create a payment page link from the dashboard without code and share it with customers.checked 8 Oct 2026
The company
- Company history
- Midtrans says it was established as Veritrans in 2012, rebranded in 2016 and acquired by Gojek in 2017.checked 19 Oct 2026
- Company legal name
- Crunchbase identifies the operating legal name as PT Midtrans.checked 19 Oct 2026
- Founded
- 2012checked 28 Sep 2026
- Headquarters
- Pasaraya Blok M, Building B, Jl. Iskandarsyah II No. 2, South Jakarta 12160, Indonesiachecked 28 Sep 2026
- Headquarters and size
- LinkedIn lists Jakarta Selatan, Indonesia as headquarters and a 51–200 employee company size.checked 19 Oct 2026
- Owner
- LinkedIn describes Midtrans as a GoTo Financial company, while Crunchbase records its acquisition by Gojek.checked 19 Oct 2026
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