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How to receive international payments in Indonesia depends on several factors, including your business type, where your customers are located, the payment method they prefer, supported currencies, transaction fees, and how quickly you need to receive the funds.
For Indonesian businesses selling to overseas customers, receiving cross-border payments involves more than just having a bank account. You also need to offer payment options that are convenient, secure, and easy to manage.
With several options available, the right method depends on your business needs. Here are three methods to consider.
Also Read: Most Popular Digital Payment Examples
3 Ways to Receive International Payments in Indonesia
Businesses in Indonesia can receive payments from overseas through several channels.
The right option depends on factors such as your business model, customer location, transaction volume, payment preferences, and settlement requirements
1. Use a Payment Gateway
A payment gateway helps businesses accept and process digital payments through a single integration. Instead of connecting each payment method separately, businesses can provide customers with multiple payment options through one payment system.
Depending on the provider and available services, payment methods may include:
- Bank transfers
- Virtual accounts
- Credit cards
- E-wallets
- QR payments
- Other supported digital payment methods
For businesses in Indonesia serving customers from different countries, a payment gateway can also support certain international and cross-border payment scenarios.
One example is QRIS Cross-Border. Bank Indonesia explains that QRIS Cross-Border allows international visitors from partner countries to make payments at participating Indonesian merchants using supported payment applications from their home countries. Merchants receive the payment in Indonesian Rupiah according to the transaction amount.
Faspay is a payment gateway provider registered and supervised by Bank Indonesia. Through a single integration, merchants can access various payment channels based on the services available to their account.
For applicable cross-border payment use cases, QRIS supported through Faspay can enable eligible users of supported payment applications, including Alipay and UnionPay, to make payments at Indonesian merchants that accept QRIS, subject to the applicable implementation and network coverage.
Faspay also supports multiple payment channels, including credit cards carrying the Visa, Mastercard, JCB, and American Express logos, based on its available payment services.
This can be useful for businesses in Indonesia that sell through a website, online platform, or other digital channels and want to provide customers with more flexible payment options.
Also Read: Understanding Payment Gateway for Business
2. Receive Payments Through International Bank Transfers or Wire Transfers
An international wire transfer is a method of sending money between countries through banking networks.
To receive international payments in Indonesia through a bank transfer, the sender will typically need information such as:
- Recipient or company name
- Bank account number
- Bank name
- SWIFT/BIC code
- Additional information required by the sending or receiving bank
International transfers may involve correspondent or intermediary banks. As a result, processing times and the final amount received can vary.
Factors that may affect an international transfer include:
- The sender's country
- The sending and receiving banks
- The currency used
- Intermediary bank fees
- Foreign exchange rates
- The transfer route
The amount sent by an overseas customer may not always be identical to the final amount received by the Indonesian business after applicable fees are deducted.
Before providing your bank details, make sure information such as the recipient name, account number, and SWIFT/BIC code is accurate.
3. Use Global Digital Payment Platforms
Another way to receive international payments in Indonesia is through global digital payment platforms.
These platforms allow users to send and receive money through online accounts and are commonly used by freelancers, remote workers, creators, and digital businesses working with international clients.
Examples include PayPal, Skrill, and Neteller.
However, availability, supported countries, currencies, transaction fees, verification requirements, and withdrawal options vary between providers.
Depending on the platform, customers may send payments using:
- An email address
- A registered phone number
- An account ID
- A payment link
- Other supported account details
The recipient can then manage or withdraw the funds according to the provider's available features and requirements.
Global digital payment platforms may be suitable for:
- Freelancers in Indonesia with overseas clients
- Digital service businesses
- Remote workers
- Creators
- Businesses receiving low- to medium-value international payments
Requirements to Receive International Payments in Indonesia
The requirements for receiving payments from overseas vary depending on the bank or payment provider you use.
However, businesses generally need to prepare identity information, payment account details, and supporting documents for verification.
1. Business Identity and Legal Documents
Banks and payment providers commonly use Know Your Customer (KYC) procedures to verify users and businesses.
Depending on the provider, you may need to submit:
- Identification documents for the business owner or authorized representative
- Business or company information
- Bank account details
- Business registration or legal documents
- Information about your products or services
- Tax-related documents, where required
Requirements may differ between providers, so businesses should always check the latest onboarding requirements before registering.
2. Recipient Bank or Payment Account Information
To receive an international bank transfer, the sender may need:
- Recipient name
- Account number
- Bank name
- SWIFT/BIC code
For digital payment platforms, the required information may include an email address, account ID, registered phone number, or payment link.
Make sure the information you provide matches your registered account details. Incorrect information may result in delayed, rejected, or returned payments.
3. Understand Fees and Currency Conversion
The amount sent by an international customer may not always be the same as the amount your business receives.
Potential costs can include:
- Transfer fees
- Intermediary bank charges
- Payment processing fees
- Withdrawal fees
- Currency conversion fees
- Foreign exchange rate margins
Businesses should understand these costs before setting prices or issuing invoices to overseas customers.
For businesses that receive foreign currency regularly, exchange rate fluctuations may also affect revenue and profit margins.
4. Prioritize Transaction Security
International payments may involve risks such as fake payment confirmations, unauthorized transactions, incorrect transfers, or fraud.
To help reduce these risks, businesses can:
- Use reputable and appropriate payment providers
- Verify the actual transaction status before delivering products or services
- Keep invoices and transaction records
- Enable available security and authentication features
- Limit access to business payment accounts
- Monitor unusual transaction activity
For high-value transactions, businesses should establish an internal verification process before fulfilling an order or delivering a service.
Also Read: Online Payment Fraud in 2026: Latest Scams and Protection Tips
How a Payment Gateway Helps Increase Sales Revenue
A payment gateway increases transaction success by:
- Offering multiple payment methods
- Reducing checkout friction
- Simplifying payment processing
When customers can pay using their preferred method, the chance of completed transactions increases, leading to higher sales revenue.
Conclusion
How to receive international payments in Indonesia depends on where your customers are located, how they prefer to pay, the value of each transaction, supported currencies, fees, and your business requirements.
Businesses can receive payments from overseas through a payment gateway, international bank or wire transfer, or global digital payment platform.
For Indonesian businesses that accept payments through a website or digital platform, an integrated payment gateway can help provide multiple payment options while simplifying payment management.
Faspay provides various payment channels through a single integration, including supported international credit card payments and QRIS-based payment options for applicable cross-border transactions.
Visit Faspay and register your business as a merchant to explore a secure and reliable payment gateway solution for your business.
