Midtrans vs Privacy.com
Midtrans
midtrans.comPrivacy.com
privacy.comSide by side
| Figure | Midtrans | Privacy.com |
|---|---|---|
| Price from | Free | $5/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 8 | 7 |
| Spec score · Payment Processing Software | 9.0 (#5) | 8.3 (#18) |
| Company history | Midtrans says it was established as Veritrans in 2012, rebranded in 2016 and acquired by Gojek in 2017. | Privacy says it began working on the product in 2014 and identifies Lithic as its broader company. |
| Founded | 2012 | 2014 |
| Integrations | Official integration paths include SNAP, Core API, Payment Link, Mobile, plugins and invoice financing beta. | The site links browser extensions for Chrome, Safari, Edge, and Firefox, plus iOS and Android apps; paid Plus and higher plans include API access. |
| 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. | Privacy states it is PCI-DSS compliant, ISO 27001 compliant, and SOC 1 and SOC 2 Type 2 certified. |
| 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. | Privacy provides a support center with articles on account setup, cards, funding sources, limits, disputes, fraud protections, and business use. |
Plans
Midtrans
- Pay per successful transactionFree
- DANA1.50 IDR, paid once
- GoPay2 IDR, paid once
- ShopeePay2 IDR, paid once
- QRIS7 IDR, paid once
- OVO15 IDR, paid once
- Bank-transfer virtual accounts4,000 IDR, paid once
- Cards292,000 IDR, paid once
Privacy.com
- PersonalFree
- Plus$5 a month
- Pro$10 a month
- Premium$25 a month
- Plus$60 a year
- Pro$120 a year
- Premium$300 a year
In their own words
Midtrans
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.
Privacy.com
Privacy.com creates virtual payment cards that mask the payment information a user would otherwise share for online transactions. Cards lock to their first merchant, so they cannot be used elsewhere if stolen or compromised. A card can also be set to close after one transaction, or given transaction, monthly, yearly, or total spending limits; charges above a limit are declined. Users can pause or close cards at any time. The free Personal plan allows 12 new cards each month. Paid plans start at $5 a month: Plus adds API access, while Pro includes up to three open Everywhere Cards and 1% cashback on eligible transactions up to $4,500 per month. The service has web, iOS, Android, and browser extension access; paid Plus and higher plans include an API for creating and configuring cards, retrieving real-time payment data, and setting permissions and limits. To transact, users must be US citizens or legal residents aged 18 or older with a checking account at a US bank or credit union, and must pass identity verification.