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midtrans.com
Midtrans
Midtrans is an Indonesian payment gateway for businesses of any size. It accepts 25 payment methods, including cards, bank transfers, QRIS and e-wallets. Merchants can use hosted checkout, build a flow with the Core API, or share no-code payment links. Setup is free, with charges on successful…
Visit midtrans.com ↗ What it costs
- 8.4 No. 6on Payment gateways
- Free plan · From 4,000 IDRprice, as published
- Oct 19, 2026read on
What Midtrans costs
- Pay per successful transaction Free
- DANA 1.50 IDR / once
- OVO 15 IDR / once
- ShopeePay 2 IDR / once
- GoPay 2 IDR / once
- Cards 292,000 IDR / once
- Bank-transfer virtual accounts 4,000 IDR / once
- QRIS 7 IDR / once
Setup and integration are free, with charges only on successful transactions. Published method rates range from 1.50 IDR for DANA to 292000 IDR for cards, and gaming or digital-product businesses may have different rates.
As midtrans.com publishes them, read Oct 8, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- Not stated
- Runs on
- iPhone Android Web
- Facts on record
- 50
Strengths and limits
Strengths
- 25 payment methods, including bank transfer, cards, QRIS and e-wallets
- Free setup with fees charged only on successful transactions
- Hosted Snap checkout, custom Core API and no-code payment links
- Android and iOS SDKs plus plugins and language libraries
- Recurring billing, fraud screening and dashboard exports
Limits
- The facts list support for only one currency
- Payment rates vary by method and industry
- Core API production use requires Midtrans activation review
- Recurring payments are limited to some payment channels
- The gateway is hosted, not presented as self-hostable
What Midtrans does
Midtrans helps businesses accept online payments and manage payouts. Its published options include cards, bank transfers, QRIS, e-wallets and over-the-counter payments, with 25 methods available to enable together or selectively.
Snap supplies a checkout interface for websites and apps. Core API is a REST service for a merchant-built payment flow, and Payment Link creates a shareable payment page without code. Recurring charges, promotions, transaction reports and real-time payment notices are also listed features.
Fees and plans
Midtrans lists a free “Pay per successful transaction” plan: no subscription or integration fee, with a charge on each successful transaction. Rates vary by payment method, and the pricing page shows amounts in IDR or percentages. Gaming and digital-product businesses may have different rates. Setup is free.
Published one-time rates are DANA at 1.50 IDR per transaction, ShopeePay at 2 IDR, GoPay at 2 IDR, QRIS at 7 IDR, OVO at 15 IDR, bank-transfer virtual accounts at 4000 IDR, and cards at 292000 IDR. The card entry covers Visa, Mastercard, JCB, American Express and UnionPay and says there are no extra fees beyond card transaction fees.
Midtrans gives a pricing note of from 4,000 IDR. It does not publish a separate subscription price in these facts; payment-method fees and any gaming or digital-product rate differences need checking.
Where it runs
Midtrans provides Android and iOS mobile SDKs for accepting payments inside an app. It also offers web checkout, a REST API and plugins for listed ecommerce systems, including WordPress WooCommerce, Magento, PrestaShop, OpenCart and WHMCS.
The Core API can serve web, app, point-of-sale and IoT systems, but the merchant builds the payment interface. Snap supplies the hosted checkout interface. The facts do not describe a desktop computer application.
Protection and rules, as Midtrans publishes them
Midtrans says it is licensed by Bank Indonesia, registered with Indonesia’s Ministry of Communication and Informatics, PCI DSS Level 1 compliant and audited by a PCI Council-qualified assessor. It also says it is ISO/IEC 27001 certified and uses AES-256 encryption for transaction data.
The provider says integrations must use HTTPS and SNI. TLS 1.0 and 1.1 are disabled, while TLS 1.2 and 1.3 are supported. Card integrations must use Midtrans JavaScript or Mobile SDK libraries unless the merchant is PCI DSS certified.
Midtrans says its fraud system screens every transaction with machine-learning techniques and analyst-defined rules, using signals such as location, email and timing. The published facts do not state a deposit-protection scheme, two-factor sign-in or a dispute process.
Strengths
Merchants can choose among 25 payment methods, use hosted or custom checkout, and send payment links through chat without a technical integration.
Recurring billing, no-code promotion settings, automatic dashboard records, CSV or XLSX exports and real-time payment notifications are included in the published feature set.
Documentation lists SDKs for PHP, Ruby, Node.js, Python, Java and Go, plus API references, sandbox tools and Postman collections.
Catches and conditions
The service supports one currency in the facts. Transaction rates differ by payment method, and gaming or digital-product companies may face different rates. Core API is on by default in the sandbox, but production use needs an activation request reviewed by Midtrans.
The gateway is presented as a hosted service, with hosted HTTPS endpoints and JavaScript checkout files rather than a self-hosted gateway. Recurring payments work only on some payment channels.
Support covers integration, registration, methods, transactions, pricing, withdrawals and account changes. The facts mention weekday and weekend support hours but do not give the hours.
Who may want another option
Midtrans may not fit a business needing more than one supported currency, a self-hosted gateway, or recurring billing on a channel Midtrans does not support.
Verdict
Midtrans suits businesses that want Indonesian payment acceptance with many local methods, hosted or custom checkout, payment links and an API. Its free setup and transaction-only model keep fixed platform charges out of the published plan.
It is less suitable where currency coverage, self-hosting or universal recurring-payment support matters. Method rates, special industry pricing and production activation conditions are central parts of the cost and setup picture.
Who it suits
Pick it if
- Businesses accepting Indonesian online payments
- Teams needing hosted checkout or a custom API flow
- Merchants using payment links, recurring billing or reports
Skip it if
- You need multiple currencies or a self-hosted payment gateway
- You require recurring billing across every payment channel
- You need published two-factor or dispute-process details
Facts we read
- App review complaintGoogle Play reviewers report problems with face verification, delayed name changes and slow or delayed QRIS balance updates. · play.google.com, Oct 19, 2026
- Chat paymentsPayment Link lets merchants accept online payments through chat without a technical integration. · midtrans.com, Oct 19, 2026
- CheckoutSnap provides a built-in checkout interface for websites and mobile apps, while Core API lets merchants create their own payment flow and interface. · docs.midtrans.com, Oct 8, 2026
- Company historyMidtrans says it was established as Veritrans in 2012, rebranded in 2016 and acquired by Gojek in 2017. · midtrans.com, Oct 19, 2026
- Company legal nameCrunchbase identifies the operating legal name as PT Midtrans. · crunchbase.com, Oct 19, 2026
- Dashboard reportingThe merchant dashboard records transactions automatically and exports reports as CSV or XLSX files. · midtrans.com, Oct 19, 2026
- Developer toolingDocumentation provides API references, sandbox testing, authorization guidance, Postman collections, IP ranges, domains and error responses. · docs.midtrans.com, Oct 19, 2026
- Founded2012 · midtrans.com, Sep 28, 2026
- Fraud detectionMidtrans analyzes transaction behavior with machine-learning techniques using signals such as location, email and timing. · docs.midtrans.com, Oct 19, 2026
- Fraud screeningMidtrans says its fraud detection system screens every transaction using machine learning and analyst-defined rules. · midtrans.com, Oct 8, 2026
- HeadquartersPasaraya Blok M, Building B, Jl. Iskandarsyah II No. 2, South Jakarta 12160, Indonesia · midtrans.com, Sep 28, 2026
- Headquarters and sizeLinkedIn lists Jakarta Selatan, Indonesia as headquarters and a 51–200 employee company size. · linkedin.com, Oct 19, 2026
- Hosted serviceMidtrans provides hosted HTTPS endpoints and hosted JavaScript checkout files, so the payment gateway itself is not presented as self-hostable. · docs.midtrans.com, Oct 19, 2026
- Independent review availabilityPaymentProcessingGuide reports that Midtrans had no listings on G2, Capterra, Trustpilot or GetApp when checked in 2026. · paymentprocessingguide.com, Oct 19, 2026
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Questions
Does Midtrans have a free plan?
Yes. Its “Pay per successful transaction” plan has no subscription or integration fee. Fees apply to successful transactions and vary by payment method.
How many payment methods does Midtrans support?
Midtrans says merchants can choose from 25 methods, including bank transfers, cards, QRIS and e-wallets.
Can I use Midtrans in a mobile app?
Yes. Midtrans describes Android and iOS SDKs for accepting payments natively in an app.
Does Midtrans offer payment links?
Yes. Payment Link creates a payment page from the dashboard without code, and the link can be shared with customers or through chat.
What does Midtrans say about security?
Midtrans says it is licensed by Bank Indonesia, registered with Indonesia’s Ministry of Communication and Informatics, PCI DSS Level 1 compliant, ISO/IEC 27001 certified and uses AES-256 encryption.
Are recurring payments available on every method?
No. Midtrans says recurring service is available only for some payment channels.
What happens before Core API goes live?
Core API is enabled by default in the sandbox. Production use requires an activation request reviewed by Midtrans.
Is Midtrans yours?
Claim it for free to correct a fact, and see the places you can buy on The Finance Base.