Asia-Pacific · GDP rank #15
Indonesia
ID · IDR @ 0.0000566/USD
South East Asia's largest payments market continues to move from cash to QR faster than any G20 economy. QRIS transactions reached 7.83 billion year-to-date by May 2026 with 45 million merchants and 63 million users; Bank Indonesia opened the QRIS-China corridor on 30 April 2026, connecting 40 million Indonesian merchants to Alipay/UnionPay travellers. BI-FAST is the mature inter-bank rail; the wallet war between GoPay, OVO, DANA and ShopeePay continues to compress.
Tab 02
Consumer payments
How consumers actually pay: the share of cash, the stock and flow of cards, the scheme split at checkout, which mobile wallets matter, and how broadly POS acceptance reaches.
Every figure is authored against a named publisher — click the ⓘ anywhere to open the source panel with the underlying URL and access date.
Cash share of POS volume
% · 2024
Debit card share
% · 2024
Credit card share
% · 2024
Mobile wallet share
% · 2024
Mobile-wallet transactions overlap with QRIS (most wallet payments are routed via QRIS). Included separately here to reflect consumer-facing rail.
Payment mix
At the point of sale
The shares below are POS volume (count of transactions), which reads differently from POS value. For the value-share read, see the card-economy grid underneath.
Share of POS
- Cash46%
- Credit card4%
- Debit card11%
- Instant / A2A28%
- Mobile wallet34%
- BNPL10%
- Other5%
Cash behaviour
- ATM network
- 97,600
- Avg. ATM withdrawal
- Rp820,000
- Cash share · value
- 29%
- Cash share · volume
- 46%
Source · Bank Indonesia
Scheme share
Which networks clear the card volume
Scheme share is the split of general-purpose card purchase volume — not issuance, not count of cards. A high domestic share (e.g. UnionPay, RuPay, ELO) means a large share of card flow never touches a global scheme.
Domestic routing network launched 2017; mandatory domestic routing for debit since 2018. Card issuers must co-badge with GPN on debit.
Share of card volume
- Visa39%
- Mastercard28%
- Jcb2%
- Other1%
- Domestic Scheme30%
Debit card transactions
transactions/year · 2024
Debit card spend
IDR annual · 2024
Debit value dominated by ATM withdrawal, not POS purchase; POS purchase value ~Rp720tn.
Credit card transactions
transactions/year · 2024
Credit card spend
IDR annual · 2024
Average debit POS ticket
IDR · 2024
Average credit ticket
IDR · 2024
Mobile wallets
Where wallets actually land
User counts are the best single scalar for wallet reach, but they understate usage intensity in markets where one super-app carries multi-digit trillions of renminbi or rupees. For flow, see the rails tab.
Active users
- GoPay42M
Q4 2025
- ShopeePay40M
Q4 2025
- DANA38M
Q4 2025
- OVO28M
Q4 2025
- LinkAja8M
Q4 2025
Notable wallets
GoPay
Largest wallet by MAU; integrated with Gojek ride-hailing, Tokopedia marketplace (post-2023 TikTok Shop deal) and GoPayLater consumer credit.
GoTo Group
ShopeePay
Fastest-growing from 2022-24 on Shopee marketplace GMV lift; now second-largest wallet by MAU.
Sea Limited
DANA
Backed by Emtek and Ant Group; cross-border Alipay+ acceptance network gives it unique inbound-tourism strength.
DANA Indonesia
OVO
Grab-majority-owned (since 2022); integrated across Grab rides, Grab Food, GrabMart and Tokopedia/TikTok Shop.
Grab Holdings
LinkAja
State-owned-enterprise consortium wallet; has lost share steadily and is widely expected to be consolidated.
LinkAja / BUMN press
Full reference