Midtrans review
Indonesian merchants get local payment options, recurring billing, and fraud controls, with IDR processing.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Midtrans is a payment gateway for Indonesian online shops, startups, ecommerce businesses, and enterprises. It supports web and API payments, with options ranging from hosted Snap checkout to a Core API for custom payment interfaces. Merchants can accept bank transfers and virtual accounts, cards, e-wallets, QRIS, over-the-counter payments, and cardless credit. Payment links can be generated through the dashboard or API, giving businesses another way to collect payments without building a checkout flow for every use case.
Its local payment coverage is paired with tools for ongoing transactions and oversight. The Subscription API supports recurring payments, while fraud detection uses AI, machine learning, and rules. Real-time payment notifications and transaction reporting help merchants track activity. Plugins connect Midtrans with platforms including WooCommerce, WordPress, Magento, PrestaShop, OpenCart, Shopify, and WHMCS. That mix suits businesses looking for either a platform integration or a more customized API-based implementation.
Pricing is transaction-based, starting at IDR 4,000 per transaction, with fees varying by payment method and no monthly subscription plan shown. Transactions are processed in IDR, so merchants needing payments in multiple currencies should consider a gateway with broader currency support. Midtrans is a fit for Indonesian businesses prioritizing local payment methods, recurring billing, and fraud controls; it is less suited to merchants whose operations require multi-currency processing or a free plan.
Midtrans pros and cons
- Where it wins
- Accepts bank transfers, cards, e-wallets, QRIS, and other local payment methods
- Offers hosted Snap checkout, Core API, and payment links
- Includes recurring payments, fraud detection, and transaction reporting
- Where it doesn't
- Processes transactions in IDR, supporting one currency
- No free plan; fees are transaction-based
- Transaction fees vary by payment method
Midtrans fact sheet, pricing and score →
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