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Midtrans
Pasaraya Blok M, Building B, Jl. Iskandarsyah II No. 2, South Jakarta 12160, Indonesia
What it 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 choose among 25 payment methods and enable all or only selected options. Snap provides a built-in checkout for websites and mobile apps, while Core API lets merchants create their own payment flow and interface. They can also make a payment page link from the dashboard without code and share it with customers. Midtrans documents ecommerce plugins for WordPress WooCommerce, Magento, PrestaShop, OpenCart, and WHMCS, along with integrations for Shopify, Sirclo, and Jejualan. Android and iOS SDKs support accepting payments in mobile apps. Recurring payments can charge fixed subscription amounts at chosen intervals and retry failed transactions, though recurring service is available only for some payment channels. Midtrans says its fraud detection screens every transaction using machine learning and analyst-defined rules. Setup is free, and fees apply to successful transactions; rates vary by payment method, with different rates for gaming and digital product companies. Midtrans was established as Veritrans in 2012 and rebranded in 2016.
For and against
For
- Merchants can choose from 25 payment methods
- Snap and Core API offer different checkout approaches
- Payment links can be created without code
- Android and iOS SDKs support in-app payments
Against
- Transaction fees vary by payment method
- Recurring payments are available only for some channels
- Different rates apply to gaming and digital product companies
The verdict
Midtrans offers several ways to collect payments, from a ready-made checkout to APIs, payment links, and mobile SDKs. Setup is free, with charges on successful transactions and channel-specific rates.
Who it suits
Midtrans suits businesses of different sizes that need to accept payments through several methods on websites or mobile apps. Merchants that need recurring charges can use that service for the payment channels it supports.
Plans and prices
DANA
Gaming and digital-product businesses may have different rates
Read 19 Oct 2026 · midtrans.com
ShopeePay
Gaming and digital-product businesses may have different rates
Read 19 Oct 2026 · midtrans.com
GoPay
Gaming and digital-product businesses may have different rates
Read 19 Oct 2026 · midtrans.com
QRIS
Gaming and digital-product businesses may have different rates
Read 19 Oct 2026 · midtrans.com
OVO
Gaming and digital-product businesses may have different rates
Read 19 Oct 2026 · midtrans.com
Bank-transfer virtual accounts
Bank transfer payment methods
Read 19 Oct 2026 · midtrans.com
Cards
Visa, Mastercard, JCB, American Express and UnionPay; no extra fees beyond card transaction fees
Read 19 Oct 2026 · midtrans.com
Pay per successful transaction
Payment method fees vary · Gaming and digital product companies may have different rates · Fees shown on the pricing page are in IDR or percentages
Read 8 Oct 2026 · midtrans.com
On the record
- App review complaint
- Google Play reviewers report problems with face verification, delayed name changes and slow or delayed QRIS balance updates.play.google.com · read 19 Oct 2026
- Chat payments
- Payment Link lets merchants accept online payments through chat without a technical integration.midtrans.com · read 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.docs.midtrans.com · read 8 Oct 2026
- Company history
- Midtrans says it was established as Veritrans in 2012, rebranded in 2016 and acquired by Gojek in 2017.midtrans.com · read 19 Oct 2026
- Company legal name
- Crunchbase identifies the operating legal name as PT Midtrans.crunchbase.com · read 19 Oct 2026
- Dashboard reporting
- The merchant dashboard records transactions automatically and exports reports as CSV or XLSX files.midtrans.com · read 19 Oct 2026
- Developer tooling
- Documentation provides API references, sandbox testing, authorization guidance, Postman collections, IP ranges, domains and error responses.docs.midtrans.com · read 19 Oct 2026
- Fraud detection
- Midtrans analyzes transaction behavior with machine-learning techniques using signals such as location, email and timing.docs.midtrans.com · read 19 Oct 2026
- Fraud screening
- Midtrans says its fraud detection system screens every transaction using machine learning and analyst-defined rules.midtrans.com · read 8 Oct 2026
- Headquarters and size
- LinkedIn lists Jakarta Selatan, Indonesia as headquarters and a 51–200 employee company size.linkedin.com · read 19 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.docs.midtrans.com · read 19 Oct 2026
- Independent review availability
- PaymentProcessingGuide reports that Midtrans had no listings on G2, Capterra, Trustpilot or GetApp when checked in 2026.paymentprocessingguide.com · read 19 Oct 2026
- Information security
- The company says it implements ISO/IEC 27001 and AES-256 encryption for transaction data.docs.midtrans.com · read 19 Oct 2026
- Integrations
- Official integration paths include SNAP, Core API, Payment Link, Mobile, plugins and invoice financing beta.docs.midtrans.com · read 19 Oct 2026
- Intended customers
- Midtrans says it provides payment solutions for businesses of any size, including startups, medium businesses, and enterprises.midtrans.com · read 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.paymentprocessingguide.com · read 19 Oct 2026
- Limit: held funds
- Reviewers report payment or withdrawal holds lasting weeks, including one reported 180-day hold after a declined transaction.paymentprocessingguide.com · read 19 Oct 2026
- Limit: support
- Complaints describe chat waits extending to hours and email responses taking weeks.paymentprocessingguide.com · read 19 Oct 2026
