Market specifications

Do you want to know more information about Indonesia's market? Go to the Indonesia’s economy and eCommerce market article.

Country reference

`country` code	`currency` code	`amount` decimals	`beneficiary.document.type` name	`beneficiary.document.id` format
`ID`	`IDR`	2	NIK	16 digits

Mandatory parameters

Bank transfers

Bank transfer parameters	B2C	B2B	P2P
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	-	Yes
`beneficiary.last_name`	Yes	-	Yes
`beneficiary.business_name`	-	Yes	-
`beneficiary.phone`	Yes	Yes	Yes
`beneficiary.bank_account.code`	Yes	Yes	Yes
`beneficiary.bank_account.account`	Yes	Yes	Yes
`remitter.first_name`	-	-	Yes
`remitter.last_name`	-	-	Yes
`remitter.nationality`	-	-	Yes
`remitter.document.type`	-	-	Yes
`remitter.document.id`	-	-	Yes

Wallet transfers

Wallet transfer parameters	B2C	B2B	P2P
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	-	Yes
`beneficiary.last_name`	Yes	-	Yes
`beneficiary.business_name`	-	Yes	-
`beneficiary.instant_payment.id`	Yes	Yes	Yes
`beneficiary.instant_payment.type`	Yes	Yes	Yes
`remitter.first_name`	-	-	Yes
`remitter.last_name`	-	-	Yes
`remitter.nationality`	-	-	Yes
`remitter.document.type`	-	-	Yes
`remitter.document.id`	-	-	Yes

Payment methods

Indonesia supports payouts via Bank transfers and Wallet transfers. Each method requires specific parameters and follows validation rules aligned with local compliance and banking standards.

Use Wallet transfers for instant payments to mobile wallets. Use Bank transfers when sending funds directly to a bank account.

Bank transfers

Bank transfers in Indonesia require detailed account information, including bank code, bank account number, amount, currency, and phone number. The format of these fields depends on the receiving bank, and strict validation rules apply.

Refer to the bank codes section for format specifications.

Mandatory parameters

All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.

Mandatory parameter	Description
`external_id`	Unique transaction identifier. Maximum 100 characters.
`payment_method_id`	Payment method. For bank transfers, use `BANK_TRANSFER`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).
`purpose`	Payout purpose code. See purpose codes reference.
`country`	Country code. For Indonesia, use `ID`.
`amount`	Payout amount (in the currency set in the `currency` field). Use up to 2 decimal numbers.
`currency`	Payout currency. For Indonesia, use `IDR` or `USD`.
`beneficiary.first_name`	Beneficiary's first name. Maximum 50 characters.
`beneficiary.last_name`	Beneficiary's last name. Only applies when the beneficiary is an individual. Maximum 50 characters.
`beneficiary.phone`	Beneficiary's phone number. Maximum 15 characters.
`beneficiary.bank_account.code`	Beneficiary's bank account code. See bank codes below.
`beneficiary.bank_account.account`	Beneficiary's bank account number. Maximum 45 characters.
`remitter.first_name`	Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.nationality`	Remitter's nationality. ISO 3166-1 alpha-2 code. Mandatory only for remittance (P2P).
`remitter.document.type`	Remitter's document type: `ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P).
`remitter.document.id`	Remitter's document. Maximum 45 characters. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "32221233222220kk",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "SUPPLIER",
  "country": "ID",
  "amount": 10,
  "currency": "IDR",
  "type": "json",
  "notification_url": "https://thisisawebsite.net/payments",
  "beneficiary": {
    "first_name": "John",
    "last_name": "Mills",
    "phone": "+622157988888",
    "bank_account": {
      "code": "3",
      "account": "0213880962"
    }
  }
}

{
  "external_id": "32221233222220kk",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "ID",
  "amount": 10,
  "currency": "IDR",
  "type": "json",
  "notification_url": "https://thisisawebsite.net/payments",
  "beneficiary": {
    "first_name": "John",
    "last_name": "Mills",
    "phone": "+622157988888",
    "bank_account": {
      "code": "3",
      "account": "0213880962"
    }
  },
  "remitter": {
    "first_name": "Ashley",
    "last_name": "Peterson",
    "nationality": "US",
    "document": {
      "type": "PASS",
      "id": "1234567789"
    }
  }
}

Wallet transfers

Wallet transfers enable real-time transfers using a mobile phone number linked to a wallet.

The instant_payment.type field must indicate the type of wallet being used (e.g., Gopay, Ovo, Dana, LinkAja, ShopeePay). The instant_payment.id field (which contains the phone number) must be present and correctly formatted.

Mandatory parameters

The table below outlines the required parameters for Wallet transfers.

Mandatory parameter	Description
`external_id`	Payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method. For wallet, use `INSTANT_PAYMENT`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).
`country`	Country code. For Indonesia, use `ID`.
`amount`	Payout amount (in the currency set in the `currency` field). Use up to 2 decimal places.
`currency`	Payout currency. For Indonesia, use `IDR` or `USD`.
`purpose`	Payout purpose code. See purpose codes reference.
`beneficiary.first_name`	Beneficiary's first name. Maximum 50 characters.
`beneficiary.last_name`	Beneficiary's last name. Only applies when the beneficiary is an individual. Maximum 50 characters.
`beneficiary.instant_payment.id`	Beneficiary's wallet ID. Maximum 45 characters.
`beneficiary.instant_payment.type`	Beneficiary's instant payment account type. Type of wallet being used: `GOPAY`, `OVO`, `DANA`, `LINKAJA`, `SHOPEEPAY`.
`remitter.first_name`	Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.nationality`	Remitter's nationality. ISO 3166-1 alpha-2 code. Mandatory only for remittance (P2P).
`remitter.document.type`	Remitter's document type:`ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P).
`remitter.document.id`	Remitter's document. Maximum 45 characters. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "123456789",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "ID",
  "amount": 10,
  "currency": "IDR",
  "type": "json",
  "notification_url": "https://thisisawebsite.net/payments",
  "beneficiary": {
    "first_name": "Lucia",
    "last_name": "Diaz",
    "instant_payment": {
      "id": "+622157988888",
      "type": "OVO"
    }
  }
}

{
  "external_id": "123456789",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "ID",
  "amount": 10,
  "currency": "IDR",
  "type": "json",
  "notification_url": "https://thisisawebsite.net/payments",
  "beneficiary": {
    "first_name": "Lucia",
    "last_name": "Diaz"
  },
  "instant_payment": {
    "id": "+622157988888",
    "type": "OVO"
  },
  "remitter": {
    "first_name": "Ashley",
    "last_name": "Peterson",
    "nationality": "US",
    "document": {
      "type": "PASS",
      "id": "1234567789"
    }
  }
}

Bank information

Access the reference formats and accepted values required for processing bank payouts in Indonesia.

Bank codes

Bank Name	Bank Code
Anglomas International Bank	7
Bangkok Bank	14
Bank Agris	3
Bank Amar Indonesia (formerly Anglomas International Bank)	5
Bank Andara	6
Bank ANZ Indonesia	8
Bank Arta Niaga Kencana	9
Bank Artha Graha International	10
Bank Artos Indonesia (Bank Jago)	11
Bank Bisnis Internasional	20
Bank BJB	21
Bank BJB Syariah	22
Bank BNP Paribas	24
Bank BRI Agroniaga	4
Bank Bukopin	30
Bank Bumi Arta	32
Bank Capital Indonesia	34
Bank Central Asia (BCA)	16
Bank Central Asia (BCA) Syariah	18
Bank Central Asia Digital (BluBCA)	17
Bank Chinatrust Indonesia	37
Bank CIMB Niaga	38
Bank CIMB Niaga UUS	39
Bank Commonwealth	41
Bank Danamon	44
Bank Danamon UUS	45
Bank DBS Indonesia	46
Bank Dinar Indonesia	48
Bank DKI	49
Bank DKI UUS	50
Bank Fama International	52
Bank Ganesha	53
Bank Hana	54
Bank Harda Internasional	55
Bank Himpunan Saudara 1906	56
Bank ICBC Indonesia	59
Bank Ina Perdania	60
Bank Index Selindo	61
Bank Jasa Jakarta	65
Bank JTrust Indonesia (formerly Bank Mutiara)	71
Bank Kesejahteraan Ekonomi	79
Bank Mandiri	82
Bank Maspion Indonesia	84
Bank Mayapada International	85
Bank Maybank	86
Bank Maybank Syariah Indonesia	87
Bank Mayora	88
Bank Mega	89
Bank Mestika Dharma	91
Bank Mitra Niaga	92
Bank Mizuho Indonesia	94
Bank MNC Internasional	95
Bank Muamalat Indonesia	96
Bank Multi Arta Sentosa	97
Bank Nationalnobu	98
Bank Negara Indonesia (BNI)	23
Bank Nusantara Parahyangan	102
Bank OCBC NISP	103
Bank OCBC NISP UUS	104
Bank Oke Indonesia (formerly Bank Andara)	105
Bank of America Merill-Lynch	13
Bank of China (BOC)	25
Bank of India Indonesia	62
Bank of Tokyo Mitsubishi UFJ (MUFJ)	137
Bank Panin	106
Bank Panin Syariah	107
Bank Permata	109
Bank Permata UUS	110
Bank QNB Indonesia (formerly Bank QNB Kesawan)	112
Bank Rabobank International Indonesia	113
Bank Rakyat Indonesia (BRI)	26
Bank Resona Perdania	115
Bank Royal Indonesia	118
Bank Sahabat Sampoerna	119
Bank SBI Indonesia	120
Bank Shinhan Indonesia (formerly Bank Metro Express)	121
Bank Sinarmas	122
Bank Sinarmas UUS	123
Bank Sumitomo Mitsui Indonesia	93
Bank Syariah Bukopin	31
Bank Syariah Indonesia (BSI)	33
Bank Syariah Mega	90
Bank Tabungan Negara (BTN)	27
Bank Tabungan Negara (BTN) UUS	28
Bank Tabungan Pensiunan Nasional (BTPN)	136
Bank UOB Indonesia	138
Bank Victoria Internasional	139
Bank Victoria Syariah	140
Bank Woori Indonesia	141
Bank Woori Saudara Indonesia 1906 (formerly Bank Himpunan Saudara and Bank Woori Indonesia)	142
Bank Yudha Bhakti (Bank Neo Commerce)	143
BPD Aceh	1
BPD Aceh UUS	2
BPD Bali	12
BPD Banten (formerly Bank Pundi Indonesia)	15
BPD Bengkulu	19
BPD Daerah Istimewa Yogyakarta (DIY)	42
BPD Daerah Istimewa Yogyakarta (DIY) UUS	43
BPD Jambi	63
BPD Jambi UUS	64
BPD Jawa Tengah	66
BPD Jawa Tengah UUS	67
BPD Jawa Timur	68
BPD Jawa Timur UUS	69
BPD Kalimantan Barat	72
BPD Kalimantan Barat UUS	73
BPD Kalimantan Selatan	74
BPD Kalimantan Selatan UUS	75
BPD Kalimantan Tengah	76
BPD Kalimantan Timur	77
BPD Kalimantan Timur UUS	78
BPD Lampung	80
BPD Maluku	81
BPD Nusa Tenggara Barat	99
BPD Nusa Tenggara Barat UUS	100
BPD Nusa Tenggara Timur	101
BPD Papua	108
BPD Riau Dan Kepri	116
BPD Riau Dan Kepri UUS	117
BPD Sulawesi Tengah	125
BPD Sulawesi Tenggara	126
BPD Sulselbar	127
BPD Sulselbar UUS	128
BPD Sulut	129
BPD Sumatera Barat	130
BPD Sumatera Barat UUS	131
BPD Sumsel Dan Babel	132
BPD Sumsel Dan Babel UUS	133
BPD Sumut	134
BPD Sumut UUS	135
BTPN Syariah (formerly BTPN UUS and Bank Sahabat Purba Danarta)	29
Centratama Nasional Bank	36
China Construction Bank Indonesia (formerly Bank Antar Daerah and Bank Windu Kentjana International)	35
Citibank	40
Deutsche Bank	47
Hongkong and Shanghai Bank Corporation (HSBC) UUS	58
HSBC Indonesia (formerly Bank Ekonomi Raharja)	57
Indonesia Eximbank (formerly Bank Ekspor Indonesia)	51
JP Morgan Chase Bank	70
Mandiri Taspen Pos (formerly Bank Sinar Harapan Bali)	83
Prima Master Bank	111
Royal Bank of Scotland (RBS)	114
Standard Charted Bank	124