7 Best Online Payment Methods for Businesses in Indonesia: Complete Guide 2025

Are you searching for the right online payment solution for your business? In today's digital era, choosing the right online payment method can be the key to your company's operational success. According to Bank Indonesia data, digital payment transformation continues to show significant growth, driven by the implementation of the Indonesia Payment System Blueprint 2025.

In this article, we'll dive deep into the 7 best online payment methods that can optimize your business, complete with implementation guides and selection tips.

Understanding Online Payment in the Digital Era

Online payment is a financial transaction method conducted digitally through the internet. This system enables businesses to receive payments from customers instantly, securely, and efficiently.

Bank Indonesia, through the Indonesia Payment System Blueprint 2025, continues to drive the digitalization of the national payment system. This transformation is driven by various factors:

• Increased digital technology adoption
• E-commerce sector growth
• Supportive regulations
• Business efficiency needs
• Changing consumer behavior

7 Essential Online Payment Methods for Modern Business

1. Virtual Account (VA): Integrated Payment Solution

Virtual Account (VA) has become the backbone of online payment systems across various industries in Indonesia. This method offers unique account numbers for each transaction or customer, streamlining payment and reconciliation processes.

BRICK Virtual Account API offers a VA solution that can be tailored to your business needs, with premium features:

• Auto-reconciliation for bookkeeping efficiency
• Real-time notification for transaction monitoring
• Most comprehensive multi-bank support
• Customizable expiry time
• Comprehensive analytics dashboard

VA Business Use Cases:

• Regular bill payments
• E-commerce transactions
• Education payments
• Subscription payments
• Marketplace transactions

2. QRIS: Unified QR Payment for All

QRIS (Quick Response Code Indonesian Standard) is the national QR standard established by Bank Indonesia. Based on recent regulations, QRIS now supports cross-border transactions with Singapore through collaboration between Bank Indonesia and the Monetary Authority of Singapore.

Choose between two QRIS types for your business needs:

QRIS Dynamic

• Generate unique QR per transaction
• Preset payment amounts
• Ideal for e-commerce
• Automatic reconciliation
• Real-time monitoring

QRIS Static

• Single QR for all transactions
• Flexible amount
• Perfect for physical stores
• Easy setup
• Cost-efficient

3. BI-FAST: Real-time Payment Revolution

BI-FAST is Bank Indonesia's 24/7 real-time payment infrastructure. According to Bank Indonesia data, BI-FAST transaction volumes show significant growth, confirming strong adoption of this system.

BI-FAST Advantages:

• 24/7 instant transfers
• More economical fees
• Higher transaction limits
• Guaranteed security
• Real-time notifications

4. Disbursement: Efficient Fund Distribution Solution

Disbursement is a critical component in modern business operations. BRICK offers two disbursement solutions tailored to your needs:

Disbursement API

• Seamless system integration
• Automated payout
• Multi-bank support
• Real-time tracking
• Bulk processing

Send Money

• User-friendly interface
• No coding required
• Quick disbursement process
• Dashboard monitoring
• Detailed reporting

5. E-Wallet Acceptance: DANA Integration

E-wallet acceptance enables your business to accept payments directly from DANA users. This feature offers:

• Easy integration
• Fast settlement
• Competitive pricing
• Real-time monitoring
• Guaranteed security

6. Payment Link: Practical Payment Solution

Payment Link is a payment solution that allows you to create specific payment links for each transaction. Benefits include:

• Instant setup
• Multiple payment methods
• Customizable interface
• Analytics dashboard
• Shareable link

7. Integrated Payment Solutions

Combine various payment methods to provide maximum flexibility for your customers. Benefits include:

• One-stop payment solution
• Unified dashboard
• Comprehensive reporting
• Enhanced security
• Scalable system

How to Choose the Right Online Payment Method

Consider these factors when selecting online payment methods:

• Business Requirements

- Transaction volume

- Customer type

- Business model

- Budget

- Scalability

• Technical Aspects

- Integration ease

- Technical support

- Maintenance

- System compatibility

- Performance metrics

• Security Factors

- Security certification

- Compliance standards

- Fraud protection

- Data encryption

- Regular audits

Online Payment Trends 2025

Based on the Indonesia Payment System Blueprint 2025 and recent developments, watch for these trends:

• Digital Rupiah implementation
• Expanded open banking adoption
• Enhanced payment system interoperability
• Strengthened cybersecurity
• Cross-border payment system development

Conclusion

Choosing the right online payment method is a crucial step in developing your business in the digital era. By understanding each available option and matching it to your business needs, implementing an online payment system can enhance operational efficiency and customer satisfaction.

BRICK serves as your partner in integrating various online payment methods easily and securely. With experienced technical support and proven systems, BRICK is ready to assist your business's digital transformation through comprehensive payment solutions that comply with Bank Indonesia regulations.

Next steps? Evaluate your business needs and select the appropriate payment method. Don't hesitate to contact the BRICK team for a free consultation about the right payment solution for your business.

FAQ (Frequently Asked Questions)

1. What is online payment?

Online payment is a digital payment system enabling electronic financial transactions via the internet. This system includes various methods such as Virtual Account, QRIS, BI-FAST, and other digital payment solutions regulated by Bank Indonesia.

2. How much does implementing an online payment system cost?

Implementation costs vary depending on the payment method and your business scale. BRICK offers transparent and competitive pricing structures, tailored to your business needs and transaction volumes. Contact our team for a customized quote.

3. How long does online payment implementation take?

Implementation time varies from 1 day to 2 weeks, depending on integration complexity and chosen payment methods. With BRICK, implementation is quick and straightforward thanks to comprehensive documentation and responsive technical support.

4. Is the online payment system secure?

Yes, modern online payment systems include various security features meeting Bank Indonesia standards. BRICK implements:

• End-to-end data encryption
• Multi-layer authentication
• Real-time transaction monitoring
• National and international regulatory compliance
• Regular security audits

5. What are the requirements for using online payment services?

Basic requirements include:

• Valid business licenses
• Active bank account
• Company identification documents
• Technical information for integration
• Compliance with applicable regulations

6. How do I start implementing online payment?

Implementation steps:

1. Analyze your business needs
2. Select appropriate payment methods
3. Contact BRICK for consultation
4. Prepare required documents
5. Begin integration process
6. Conduct testing
7. Launch payment system