The Most Affordable Payment Gateway for Indonesian MSMEs: No Monthly Fees

For affordable and reliable payment gateway services in Indonesia, consider HitPay. Tailored for Indonesian microbusinesses, it offers a cost-effective solution with powerful features to support MSMEs.

The Most Affordable Payment Gateway for Indonesian MSMEs: No Monthly Fees

Choosing the right payment gateway has a significant impact on MSMEs in Indonesia. These decisions not only affect customer experience and security but also profitability. Using a reliable payment gateway with affordable costs can optimize the transaction process, increase customer trust, and speed up your business growth.

For MSMEs in Indonesia, aside from prioritizing security considerations, the cost aspect is equally important. In this article, we present a set of guidelines to help you identify the most affordable payment gateway in Indonesia based on your business needs.

What is a Payment Gateway?

A payment gateway is a service that enables businesses to accept online payments from customers, with payment methods like credit cards, debit cards, and e-wallets. As a middleman between businesses and customers, payment gateways like HitPay offer comprehensive features tailored for micro and medium-sized businesses in Indonesia, at more affordable prices than other payment gateways.

Benefits of Using a Payment Gateway for MSMEs

Small and medium-sized businesses in Indonesia need to use payment gateway services for a number of important reasons:

1. Payment Acceptance
Customers can easily pay for goods and services efficiently through the payment gateway system without having to leave the platform where they are transacting. This often results in higher conversion rates and sales.

2. Transaction Security
Using a secure payment gateway keeps your customers' information safe from fraud and theft. This can also strengthen customers' trust in your brand.

3. Cost Efficiency
Payment gateways help reduce costs by simplifying the payment process and eliminating the need for manual processing. This saves time and frees up resources that can be allocated to other tasks.

4. Payment Flexibility
Payment gateways enable companies to accept a variety of payments from clients, including bank transfers, credit cards, debit cards, and e-wallets. This allows customers to pay with their preferred payment method, which can help encourage sales.

5. Improved Customer Experience
Through a smooth and secure payment process, payment gateways can improve the overall customer experience. This can generate repeat customers and strengthen loyalty to the business.

Apart from that, several payment gateway services, such as HitPay, also provide special features such as recurring billing, fraud protection, accounting software integration, and automatic invoicing software.

Consider These Factors Before Choosing a Payment Gateway

Before choosing a payment gateway, there are several factors that you must consider, including:

1. Offers Affordable Fees
It is important to think about the fees that the payment gateway charges. Some payment gateways in Indonesia charge a fixed fee per transaction, while others charge a percentage of the total transaction. There are also those that offer monthly or annual subscription fee options. Choose a payment gateway that offers prices that suit the volume of your business transactions.

2. Security
Security is a key factor in choosing a payment gateway. Make sure the payment gateway you choose has strong security technology to protect customer data and business transactions from potential cyber threats.

3. Simple to Use
Ease of use and integration of payment gateways with business systems are the keys to providing a positive experience for customers. Choose a payment gateway that is easy to operate to ensure the payment process runs smoothly and comfortably.

4. Integration with different methods of payment
Payment gateways should support various payment methods, such as credit cards, debit cards, and digital wallets, that are commonly used in the country your business operates in. In Indonesia, popular payment methods include QRIS, virtual accounts such as BSI, BCA, and BNI, OVO, Doku, credit cards, Alfamart, BRI, and CIMB Niaga.

Additionally, make sure the payment gateway you choose provides payment options that your customers can access.

5. Reliable and Responsive Technical Support
Make sure the payment gateway provides reliable and responsive technical support.

6. The speed of transaction processing
Transaction processing speed is an important consideration. Choose a payment gateway that is able to process transactions quickly to improve the customer experience.

7. Compatibility with existing business systems

Make sure the payment gateway can be easily integrated with business systems without requiring major changes to the technology infrastructure. Choose a payment gateway that is compatible with the business system you have.

By considering these factors, MSMEs can choose a payment gateway that suits their transaction needs appropriately.

What's the most affordable and high-value payment gateway for Indonesia MSMEs?

Now, traders, creators, and entrepreneurs in Indonesia can experience the ease of accepting payments and running businesses anywhere, with the comprehensive business features from HitPay payment gateway.

HitPay Features and Their Uses for Indonesian MSMEs

  • Available for all payment options in Indonesia. HitPay supports various digital payment methods in Indonesia, including QRIS (with OVO, Gopay, Link Aja!, Dana, ShopeePay, and WeChat Pay), e-wallet, outlets, bank transfers, debit cards, credit cards, and BNPL (Buy Now Pay Later).
  • There are no hidden costs, such as setup or subscription fees. HitPay Indonesia service prices are affordable and transparent, with payments only per transaction. You will always know the amount paid. HitPay also provides the option to reduce partner costs by passing transaction fees to customers.
  • Online and offline integration is provided at no additional cost. Unlike some other popular payment gateways, HitPay Indonesia provides all the important tools for both online and offline businesses on one platform, without additional subscription fees.
  • Express onboarding. After registering with all the required documents, a HitPay Indonesia account can be approved within a week
  • Easy to use. Let you or your team manage HitPay business features without coding. If you need further assistance, there is a guide available, or you can contact our support team at

Comparison of the Most Affordable Payment Gateways in Indonesia

1. HitPay

HitPay is a payment platform created for small businesses, based in Singapore. It works online and offline, providing clear benefits like pay-as-you-go charges without any sign-up or yearly fees. It supports popular e-commerce platforms and provides handy tools for businesses, like automatic invoice makers and website builders, all for free. HitPay makes things even smoother with a combined Point of Sale (POS) system, linking online and offline sales seamlessly. Plus, it easily syncs up with popular accounting software like Xero and Quickbooks.

2. Midtrans

As part of the GoTo Financial platform, Midtrans is one of the payment gateways that is available in Indonesia. The platform provides 25+ local payment methods and order management features. Midtrans' advantages include payment per transaction without registration or annual fees, as well as support for various payment methods. However, keep in mind that Midtrans has limited integration with e-commerce platforms and has limited integration with additional accounting or business software.

3. Doku

Doku Payment gateway provides e-Katalog, an online shop platform without coding, but does not yet have important features such as integration with accounting and e-commerce software. Advantages include payment per transaction without registration or annual fees, as well as ease of creating invoices, online stores, and payment links. Unfortunately, the downside is that it doesn't integrate with accounting and has limited support for e-commerce platforms.

4. Xendit

Established in 2015, Xendit is a trusted choice in Indonesia with a variety of local payment options. However, to sell online, you have to integrate an external e-commerce platform because Xendit does not provide an online shop feature. Advantages of this platform include pay per-transaction with no sign-up or annual fees, easy sign-up without technical skills, and advanced payment features like 24/7 automated invoicing. However, there is no additional business software available, so you must use another platform to manage inventory or create an e-commerce store.

If you are an MSME owner in Indonesia and want to offer more payment methods to customers at affordable prices, HitPay Indonesia might be suitable for your business. Equipped with a variety of powerful features, this payment platform is specifically designed to support Micro, Small and Medium Enterprises (MSMEs) in Indonesia.

Visit our website or contact us for a free demo.

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About HitPay

HitPay is a complete sales platform that aims to provide a full-stack payment solution without coding for MSMEs. Thousands of partners have grown with HitPay products, helping them accept online or in-person payments with ease.  Join with our partner community now!