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Midtrans

midtrans.com

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Spec score 9.0 #1 of 29 in Hosted Checkout Software

What it is

Midtrans helps businesses accept payments through cards, bank transfers, e-wallets, QRIS, over-the-counter payments, cardless credit, direct debit, and other methods. Merchants can select from 25 payment methods and enable all or only those they need. Snap supplies a checkout interface for websites and mobile apps; Core API lets a business build its own payment flow. Merchants can also create a payment page link in the dashboard without code and share it with customers.

For ecommerce, Midtrans documents plugins for WordPress WooCommerce, Magento, PrestaShop, OpenCart, and WHMCS, along with integrations for Shopify, Sirclo, and Jejualan. Android and iOS SDKs support native in-app payments. Recurring charges can collect fixed subscription amounts at selected intervals and retry failures, though only some payment channels support them. Midtrans says it screens every transaction for fraud using machine learning and analyst-defined rules. It is available on Android, iOS, web, and through an API. Setup is free, with charges on successful transactions; pricing starts from 4,000 IDR, and fees can differ for gaming and digital product companies.

Spec sheet

What it does
Midtrans is an Indonesian payment gateway for accepting online payments and managing payouts.Read 19 Oct 2026 · midtrans.com
Purpose
Midtrans helps businesses accept payments through cards, bank transfers, e-wallets, over-the-counter payments, and other methods.Read 8 Oct 2026 · docs.midtrans.com
Integrations
Official integration paths include SNAP, Core API, Payment Link, Mobile, plugins and invoice financing beta.Read 19 Oct 2026 · docs.midtrans.com
Security
Midtrans says it is licensed by Bank Indonesia, registered with Indonesia’s Ministry of Communication and Informatics, uses AES-256 encryption, and is ISO/IEC 27001 certified.Read 8 Oct 2026 · midtrans.com
Support
Midtrans lists support for technical integration, registration, payment methods, transactions, pricing, withdrawals, and account changes; its contact page gives weekday and weekend support hours.Read 8 Oct 2026 · midtrans.com
Headquarters
Pasaraya Blok M, Building B, Jl. Iskandarsyah II No. 2, South Jakarta 12160, IndonesiaRead 28 Sep 2026 · midtrans.com
Founded
2012Read 28 Sep 2026 · midtrans.com
App review complaint
Google Play reviewers report problems with face verification, delayed name changes and slow or delayed QRIS balance updates.Read 19 Oct 2026 · play.google.com
Chat payments
Payment Link lets merchants accept online payments through chat without a technical integration.Read 19 Oct 2026 · midtrans.com
Checkout
Snap provides a built-in checkout interface for websites and mobile apps, while Core API lets merchants create their own payment flow and interface.Read 8 Oct 2026 · docs.midtrans.com
Company history
Midtrans says it was established as Veritrans in 2012, rebranded in 2016 and acquired by Gojek in 2017.Read 19 Oct 2026 · midtrans.com
Company legal name
Crunchbase identifies the operating legal name as PT Midtrans.Read 19 Oct 2026 · crunchbase.com
Dashboard reporting
The merchant dashboard records transactions automatically and exports reports as CSV or XLSX files.Read 19 Oct 2026 · midtrans.com
Developer tooling
Documentation provides API references, sandbox testing, authorization guidance, Postman collections, IP ranges, domains and error responses.Read 19 Oct 2026 · docs.midtrans.com
Fraud detection
Midtrans analyzes transaction behavior with machine-learning techniques using signals such as location, email and timing.Read 19 Oct 2026 · docs.midtrans.com
Fraud screening
Midtrans says its fraud detection system screens every transaction using machine learning and analyst-defined rules.Read 8 Oct 2026 · midtrans.com
Headquarters and size
LinkedIn lists Jakarta Selatan, Indonesia as headquarters and a 51–200 employee company size.Read 19 Oct 2026 · linkedin.com
Hosted service
Midtrans provides hosted HTTPS endpoints and hosted JavaScript checkout files, so the payment gateway itself is not presented as self-hostable.Read 19 Oct 2026 · docs.midtrans.com
Independent review availability
PaymentProcessingGuide reports that Midtrans had no listings on G2, Capterra, Trustpilot or GetApp when checked in 2026.Read 19 Oct 2026 · paymentprocessingguide.com
Information security
The company says it implements ISO/IEC 27001 and AES-256 encryption for transaction data.Read 19 Oct 2026 · docs.midtrans.com
Intended customers
Midtrans says it provides payment solutions for businesses of any size, including startups, medium businesses, and enterprises.Read 8 Oct 2026 · midtrans.com
Limit: currency scope
The independent review summary says Midtrans processes Indonesian rupiah, so merchants billing in US dollars must handle conversion and currency risk.Read 19 Oct 2026 · paymentprocessingguide.com
Limit: held funds
Reviewers report payment or withdrawal holds lasting weeks, including one reported 180-day hold after a declined transaction.Read 19 Oct 2026 · paymentprocessingguide.com
Limit: support
Complaints describe chat waits extending to hours and email responses taking weeks.Read 19 Oct 2026 · paymentprocessingguide.com
Limit: verification delays
Review summaries report merchant approval and document verification taking more than a month in some cases.Read 19 Oct 2026 · paymentprocessingguide.com
Mobile support
The online payments page describes Android and iOS mobile SDKs for accepting payments natively in an app.Read 8 Oct 2026 · midtrans.com
Owner
LinkedIn describes Midtrans as a GoTo Financial company, while Crunchbase records its acquisition by Gojek.Read 19 Oct 2026 · linkedin.com
Payment links
Merchants can create a payment page link from the dashboard without code and share it with customers.Read 8 Oct 2026 · docs.midtrans.com
Payment methods
The service advertises 25 payment methods, including bank transfer, cards, QRIS and e-wallets.Read 19 Oct 2026 · midtrans.com
Payment options
The product page says merchants can choose from 25 payment methods and enable all or only selected methods.Read 8 Oct 2026 · midtrans.com
Praise: checkout integration
Independent reviewers repeatedly praise Snap for avoiding the need to build a payment interface.Read 19 Oct 2026 · paymentprocessingguide.com
Praise: payment coverage
Independent reviewers praise the breadth of local payment methods, including virtual accounts, cards, QRIS and PayLater.Read 19 Oct 2026 · paymentprocessingguide.com
Praise: virtual accounts
Review summaries describe virtual-account number generation as fast and generally reliable.Read 19 Oct 2026 · paymentprocessingguide.com
Pricing limits
Midtrans says setup is free and fees apply only to successful transactions, while gaming and digital product companies are subject to different rates.Read 8 Oct 2026 · midtrans.com
Production activation
Core API is enabled by default in sandbox but production use requires an activation request reviewed by Midtrans.Read 19 Oct 2026 · docs.midtrans.com
Promo management
The product includes no-code promotion management for configuring sales promotions.Read 19 Oct 2026 · midtrans.com
Rating on Google business profile
3.0 out of 5 from 334 reviews, as reported by PaymentProcessingGuide for the South Jakarta profile.Read 19 Oct 2026 · paymentprocessingguide.com
Rating on Google Play
GoPay Merchant, the related GoTo merchant app referenced by Midtrans privacy materials, is rated 4.7 out of 5 from 82.6K reviews.Read 19 Oct 2026 · play.google.com
Real-time notifications
The website states that merchants and buyers receive real-time payment notifications after successful transactions.Read 19 Oct 2026 · midtrans.com
Recurring billing
Recurring or subscription payments are listed as a supported feature.Read 19 Oct 2026 · midtrans.com
Recurring payments
Recurring payments can automatically charge fixed subscription amounts at chosen intervals, with retries for failed transactions; recurring service is available only for some payment channels.Read 8 Oct 2026 · midtrans.com
REST API
Core API is a RESTful web service usable from web, app, point-of-sale and IoT systems with a merchant-built payment interface.Read 19 Oct 2026 · docs.midtrans.com
SDK licence
The public official Java client repository is marked MIT licensed.Read 19 Oct 2026 · github.com
SDKs and plugins
The official library list covers PHP, Ruby, Node.js, Python, Java and Go, plus Postman; community libraries are separately identified.Read 19 Oct 2026 · docs.midtrans.com
Security certification
Midtrans states that it is PCI DSS Level 1 compliant and audited by a PCI Council-qualified assessor.Read 19 Oct 2026 · docs.midtrans.com
Shopify integration
Midtrans documentation describes installing a Payments via Midtrans Shopify app and configuring sandbox and production credentials.Read 19 Oct 2026 · docs.midtrans.com
System requirement
Card integrations must use Midtrans-provided JavaScript or Mobile SDK libraries unless the merchant is PCI DSS certified.Read 19 Oct 2026 · docs.midtrans.com
Transport requirements
Integrations must use HTTPS and SNI; TLS 1.0 and 1.1 are disabled, while TLS 1.2 and 1.3 are supported.Read 19 Oct 2026 · docs.midtrans.com

Plans and prices

Pay per successful transaction Free No subscription or integration fee; transaction fees are charged per successful transaction, with rates varying by payment method. Payment method fees vary · Gaming and digital product companies may have different rates · Fees shown on the pricing page are in IDR or percentages Read 8 Oct 2026 · midtrans.com
DANA 1.50 IDR, paid once per transaction Gaming and digital-product businesses may have different rates Read 19 Oct 2026 · midtrans.com
GoPay 2 IDR, paid once per transaction Gaming and digital-product businesses may have different rates Read 19 Oct 2026 · midtrans.com
ShopeePay 2 IDR, paid once per transaction Gaming and digital-product businesses may have different rates Read 19 Oct 2026 · midtrans.com
QRIS 7 IDR, paid once per transaction Gaming and digital-product businesses may have different rates Read 19 Oct 2026 · midtrans.com
OVO 15 IDR, paid once per transaction Gaming and digital-product businesses may have different rates Read 19 Oct 2026 · midtrans.com
Bank-transfer virtual accounts 4,000 IDR, paid once per transaction Bank transfer payment methods Read 19 Oct 2026 · midtrans.com
Cards 292,000 IDR, paid once per transaction Visa, Mastercard, JCB, American Express and UnionPay; no extra fees beyond card transaction fees Read 19 Oct 2026 · midtrans.com

Every Midtrans plan and price →

Strong points and limits

Strong points

  • 25 payment methods can be enabled or selected.
  • Snap and Core API offer two checkout approaches.
  • Payment links can be created without code.
  • Android and iOS SDKs support in-app payments.
  • Setup is free; fees apply to successful transactions.

Limits

  • Recurring payments are available only for some channels.
  • Gaming and digital product companies may have different rates.
  • Pricing starts from 4,000 IDR.

Who it suits

Midtrans suits businesses that need to accept several payment types through websites, apps, or custom integrations. Its tools also cover merchants setting up recurring charges, payment links, or ecommerce connections.

Verdict

Midtrans combines multiple payment methods with hosted checkout, custom API flows, payment links, and ecommerce integrations. Check channel availability for recurring payments and applicable transaction rates before choosing it.

Where Specifiction places it

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