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Bank transfers and cash payments at convenience stores in Indonesia

Learn how to accept bank transfers and cash payments at convenience stores in Indonesia.

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payment-method-icon  Learn about pricing and settlement services for Alfamart, Indomaret, and bank transfers on adyen.com.

Through our partner Doku, our key offerings in Indonesia allow shoppers to pay using the following payment methods:

  1. Bank transfer (ATM, online banking, mobile banking)
  2. Cash at convenience stores
Payment type Payment flow Countries Currencies Recurring Refunds Captures Chargebacks
Cash and ATM payment methods Voucher ID IDR -x- -x- -x- -x-

Bank transfer

A bank transfer is the most popular method of payment in the Indonesian market, second to traditional cash transactions. For every order you get, a virtual account is created so that the shopper can carry out a bank transfer.

Shopper flow

The payment flow starts with a shopper choosing to make a payment using a bank transfer.

  1. Collect the following shopper details to make a payment request:
    • first name
    • last name
    • email
  2. In response to the payment request, we create a virtual bank account on an interbank network that is unique to the order.
  3. You can get the virtual bank account number (also known as the payment reference), expiry time of the virtual account, and a link with further instructions in the payment response.
  4. Display the information provided in the payment response to the shopper.
  5. The shopper uses the information provided to do a bank transfer into the virtual account, before it expires. A shopper can perform the bank transfer in the following ways:
    • Physically going to the ATM
    • Mobile banking through apps
    • Internet banking
  6. If the bank transfer is successful, you will receive a notification. You can check the status of the payment in your Customer Area. You can then deliver the order to the shopper.

Payment method types

The following payment method types are used for bank transfer payments in Indonesia:

name type
Mandiri VA doku_mandiri_va
CIMB VA doku_cimb_va
Danamon VA doku_danamon_va
BNI VA doku_bni_va
Bank Transfer doku_permata_lite_atm
BRI VA doku_bri_va (only available with a local entity)
BCA Bank Transfer doku_bca_va (only available with a local entity)

Convenience store

Alternatively, a shopper can complete the ecommerce payment journey with cash over the counter, at a convenience store. This is popular due to cash being predominantly used in Indonesia.

Shopper flow

The payment flow starts with a shopper choosing to make a payment using cash at a convenience store.

  1. Collect the following shopper details to make a payment request:
    • first name
    • last name
    • email
  2. In response to the payment request, we create a payment reference unique to the order.
  3. You can get the payment reference, expiry time of the payment reference, and a link with further instructions in the response.
  4. Display the information provided in the payment response to the shopper.
  5. The shopper uses the information provided to make the payment at a supported convenience store in the country.
  6. If the payment is made successfully, you will receive a notification. You can check the status of the payment in your Customer Area. You can then deliver the order to the shopper.

Payment method types

The following payment method types are used for cash payments at convenience stores in Indonesia:

name type
Alfamart doku_alfamart
Indomaret doku_indomaret

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