If you live in Indonesia and want to sell e-books, presets, templates, courses or coaching online, the short answer is this: you can’t count on Stripe, PayPal works but is expensive, and for Indonesian buyers you want QRIS, bank virtual accounts and e-wallets through a local gateway like Midtrans or Xendit. Most sellers end up running two rails: a local gateway for Indonesian customers and PayPal for buyers abroad.
Stripe is still invite-only in Indonesia. PayPal lets you receive money from overseas and withdraw to a local bank, at around 4.4% plus a fixed fee before currency conversion. Midtrans and Xendit give you QRIS and virtual accounts, and both have payment links, so you don’t need a website or any code to start. The rest of this guide covers each option, the official fees, and how to put it all together.
Stripe in Indonesia: invite-only, so don’t plan around it
This is the question most creators ask first, because so many tools only plug into Stripe. Stripe’s support article on opening an account in Indonesia says plainly: “Stripe is available in Indonesia as an invite-only program.” You can register interest and Stripe says it will reach out when it can onboard more users. On Stripe’s global availability page, Indonesia is marked “Preview” and links to the sales contact form, not the normal sign-up flow.
Even with an invite, there are limits. Stripe says it doesn’t support non-profit entities in Indonesia, and you need to verify your identity or business with scanned or physical documents. You will see guides suggesting you register a company in the United States to get a Stripe account. That is a real legal and tax commitment with its own costs and filings, not a quick workaround, so get proper advice before you go down that road.
The practical takeaway: if a platform only supports Stripe, it is not a good fit for an Indonesian seller today. Pick tools that let you use PayPal or a local gateway instead.
PayPal in Indonesia: the easiest way to get paid from abroad
PayPal is fully available in Indonesia, and it is the simplest way to take money from buyers in the US, Europe or Australia, who often already have a PayPal account. For selling, use a Business account. PayPal describes Personal accounts as meant for paying and shopping, and Business accounts for merchants.
Here is what PayPal’s Indonesia business fee page lists right now. Domestic commercial payments cost 3.40% plus a fixed fee. International commercial payments cost 4.40% plus a fixed fee, and the fixed fee for a USD payment is USD 0.30. Converting a balance or a received payment into another currency adds 3.0% above the base exchange rate. Withdrawing to an Indonesian bank account is free if the amount is IDR 1,500,000 or more and no conversion is involved. Below that, each withdrawal costs IDR 16,000.
Add it up and a USD 20 sale to an overseas buyer can lose well over 7% by the time it reaches your bank as rupiah. To keep that down, withdraw in larger batches above the IDR 1,500,000 threshold, and price in USD so you understand what you’re actually getting. Always check the live fee page before you set prices, because PayPal updates its rates.
QRIS: what online sellers need to know
QRIS (Quick Response Code Indonesian Standard) is the national QR payment standard set by Bank Indonesia. One QRIS code accepts payments from any participating bank app or e-wallet, so a buyer can pay with GoPay, OVO, DANA, ShopeePay or their mobile banking app without you managing separate accounts. For Indonesian buyers it is often the fastest way to pay, and Bank Indonesia states there is no extra fee for consumers.
The fee you pay as a merchant is the merchant discount rate (MDR), which Bank Indonesia sets by merchant category. Its QRIS page lists 0.7% for small, medium and large businesses, and for micro businesses 0% on transactions up to Rp500,000 and 0.3% above that. In a press release dated 17 August 2026, Bank Indonesia also extended the 0% MDR to every merchant category for transactions up to Rp100,000, effective 1 October 2026. That matters for creators, because most digital products sell for less than Rp100,000.
One caveat: a gateway’s QRIS price can differ from the headline MDR depending on your category and your contract. Check what your provider actually charges on your statement.
Midtrans vs Xendit for digital products
Midtrans and Xendit are the two gateways most Indonesian online sellers compare. Both accept QRIS, bank virtual accounts, cards and the major e-wallets. Both have a dashboard, an API and a payment link product. The differences come down to pricing details, onboarding and which checkout your buyers find easier.
Midtrans publishes its prices openly. Its pricing page lists QRIS at 0.7%, bank transfer by virtual account at IDR 4,000 per transaction, cards at 2.9% + IDR 2,000, GoPay and ShopeePay at 2%, and DANA and OVO at 1.5%. There is no setup fee and you pay only on successful transactions. Two details matter: most charges exclude VAT (QRIS, GoPay and ShopeePay are the exceptions), and Midtrans says gaming and digital product companies “are subject to different rates” for e-wallets and QRIS. If you sell digital products, ask for your actual rate.
Xendit charges a processing fee plus a payment method fee on each transaction. Its documentation describes a fixed IDR 4,000 fee for aggregator virtual accounts and says its fees are generally VAT-exclusive, with VAT added at an effective 11%. Xendit’s pricing page varies by method and bank, so use its pricing calculator or ask sales for a quote for your business before you compare.
Choose based on your buyers. If most pay by QRIS or virtual account, the two will cost about the same, so go with the onboarding and dashboard you prefer. If you expect lots of card or e-wallet payments, get a written quote from both.
Payment links: selling without a website
You don’t need a store integration to start. Midtrans Payment Link lets you create a link from the dashboard by entering a product name and price, then share it over WhatsApp, email or social media. Its documentation says each link now gets its own QR code, and you can create links in bulk from a CSV file.
Xendit Payment Links work the same way. Its docs say no coding is required and you don’t even need a website. The hosted checkout shows virtual accounts, e-wallets, cards and retail outlets, and you can brand the page with your logo and colors. For a single e-book or a coaching session, one payment link per product is enough to start taking money today.
What payment links don’t do is deliver the product. For digital goods, you still need a way to send the file or access after payment, whether that’s a manual email, an automated delivery tool, or a storefront that handles it.
A simple setup that works
For most Indonesian creators, this setup covers almost every buyer. First, open a Midtrans or Xendit account and create a payment link for each product, priced in rupiah, so local buyers can pay with QRIS, virtual account or e-wallet. Second, open a PayPal Business account for buyers abroad and price those products in USD. Third, put both options on one page so buyers pick the one that suits them.
Keep your product descriptions, refund policy and contact details clear on that page. Gateways review what you sell during onboarding, and a clear page helps both approval and buyer trust. Keep records of every sale from both rails, because you’ll need them for tax.
A quick note on tax
Income from selling digital products is taxable in Indonesia. The tax office (DJP) runs a final income tax regime for small businesses (UMKM) based on gross turnover, and DJP articles report that the rules were revised in 2026. Under a 2025 regulation, marketplaces may also collect that tax from their sellers. How this applies to you depends on whether you sell as an individual or through a company and how much you earn, so check with a tax adviser or the DJP before filing. This guide is not tax advice.
Where OneSol fits
OneSol gives you a free link-in-bio page, storefront and forms, and Pro is $9 a month. You connect your own payment account, and OneSol takes no cut of your sales. Its built-in checkout supports Stripe, PayPal, Razorpay and Square. To be clear about what that means in Indonesia: PayPal is the one you can realistically use. Stripe is invite-only, Razorpay is built for Indian businesses, and Square only processes payments in a handful of countries that don’t include Indonesia. For local buyers, add your Midtrans or Xendit payment link as a button on your free OneSol page so QRIS and virtual accounts sit next to PayPal.