Tap-to-pay in Indonesia, without the infrastructure project
Indonesia is on the roadmap for beta in Q4 2026, with the QRIS integration already complete in staging and a local sponsor bank contracted. Indonesia is the largest economy in Southeast Asia, and QRIS adoption makes it one of the most QR-centric payment markets anywhere.
The Indonesia deployment supports GPN routing for domestic cards in addition to the global schemes, plus QRIS and the leading wallets (GoPay, OVO, DANA). A platform that integrates Tapped will be able to accept the full local stack under a Bank Indonesia PJSP partner without building separate connections to each wallet.
QRIS integration complete in staging; local sponsor bank contracted. GPN routing supported for domestic cards.
Local payment rails we support in Indonesia
Cards alone do not win a market in Asia. Tapped exposes the domestic rails Indonesia merchants actually expect, through the same SDK as card acceptance:
| Rail | What it covers |
|---|---|
| QRIS | The mandatory national QR standard — every Indonesian merchant QR is interoperable across banks and wallets. |
| GoPay | GoTo's wallet, ubiquitous across transport, food, and retail. |
| OVO | Major e-wallet with deep retail and marketplace integration. |
| DANA | Fast-growing wallet widely used for online and offline purchases. |
Card schemes certified for Indonesia
Every kernel we ship for Indonesia is production-certified at the scheme layer before the market goes live — Visa VCPS / L3 EMV Contactless, Mastercard M/Chip and PayPass, JCB J/Speedy, and UnionPay UPI QuickPass as applicable. Certified schemes here:
- Visa
- Mastercard
- JCB
- UnionPay
Kernel renewals and updates ship as a platform release — you inherit them without re-certifying.
Regulation & licensing in Indonesia
Tapped operates in Indonesia under Bank Indonesia (BI) supervision, with a published licensing posture of BI PJSP partner. Your merchants onboard as sub-merchants beneath that arrangement, so you do not need to hold your own payment licence to go live.
We are PCI-DSS Level 1 attested annually, SOC 2 Type II, and ISO 27001 certified, with regional data controls applied where the regulator or sponsor bank requires it.
Settlement & payouts
Standard settlement in Indonesia is T+1, paid out in Indonesian rupiah (IDR). The blended processing rate is 2.75% — full per-market rates are on the pricing page, with nothing to negotiate.
Who builds on Tapped in Indonesia
Tapped is built for vertical SaaS platforms that want to embed payment acceptance into their own product — not for individual merchants. Common deployments in Indonesia:
- Restaurant & F&B platforms — tap at the table or counter on the staff's own phone.
- Salon, wellness & booking platforms — collect payment inside the booking flow.
- Field-services & delivery platforms — accept payment at the customer's door on a rider device.
- Healthcare & clinic platforms — copay and consultation collections.
- Hospitality & PMS platforms — folio checkout at the front desk.