Midtrans Fee Calculator
Kalkulator akurat biaya merchant Midtrans untuk QRIS (0.7%), Virtual Account bank (Rp 4.000 flat), GoPay, dan Kartu Kredit di Indonesia.
Diperlukan untuk menghitung biaya tetap Virtual Account (Rp 4.000/transaksi) atau Kartu Kredit.
Virtual Account BCA, Mandiri, dan BRI mengenakan biaya flat Rp 4.000 berapapun nominal transaksinya. Untuk transaksi B2B atau bernilai di atas Rp 1.000.000, Virtual Account jauh lebih hemat daripada kartu kredit.
Effective Processing Fee: 0.70%
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
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Matriks Biaya Midtrans Berdasarkan Volume (2026)
Perbandingan potongan biaya resmi berbagai metode pembayaran Midtrans di Indonesia.
| Nominal Bulanan | Transaksi | QRIS (0.7%) | Virtual Account (Rp 4rb) | GoPay (2%) | Kartu Kredit |
|---|---|---|---|---|---|
| Rp 5.000.000 | 25 | Rp 35.000 | Rp 100.000 | Rp 100.000 | Rp 155.000 |
| Rp 15.000.000 | 75 | Rp 105.000 | Rp 300.000 | Rp 300.000 | Rp 465.000 |
| Rp 50.000.000 | 200 | Rp 350.000 | Rp 800.000 | Rp 1.000.000 | Rp 1.440.000 |
| Rp 100.000.000 | 400 | Rp 700.000 | Rp 1.600.000 | Rp 2.000.000 | Rp 2.880.000 |
| Rp 500.000.000 | 1500 | Rp 3.500.000 | Rp 6.000.000 | Rp 10.000.000 | Rp 13.300.000 |
Bandingkan Midtrans vs Xendit
Bingung memilih gateway pembayaran untuk bisnis di Indonesia? Baca perbandingan komprehensif kami antara Xendit dan Midtrans mencakup integrasi WooCommerce, Shopify, dan biaya penarikan dana.
Baca Perbandingan Xendit vs Midtrans Selengkapnya →Pertanyaan Populer: Biaya & Integrasi Midtrans Indonesia
What are official Midtrans payment processing fees in Indonesia in 2026? ▾
In Indonesia, Midtrans (part of GoTo Financial) charges 2.00% + IDR 2,000 for credit cards, IDR 4,000 to IDR 5,000 flat for Bank Virtual Accounts (BCA, Mandiri, BNI, BRI), 0.70% for QRIS dynamic codes, and 1.50% to 2.00% for GoPay / ShopeePay e-wallets.
Why is QRIS the most popular and affordable payment method in Indonesia? ▾
QRIS (Quick Response Code Indonesian Standard) is the national QR code standard governed by Bank Indonesia. At just 0.70% merchant fee, QRIS allows customers to pay instantly using any Indonesian banking app or e-wallet (GoPay, OVO, DANA, ShopeePay).
How do Indonesian Bank Virtual Accounts (VA) work on Midtrans? ▾
Midtrans generates a unique 16-digit Virtual Account number for each transaction across BCA, Mandiri, Permata, and BRI. Customers transfer via mobile banking or ATM with real-time automated payment confirmation and zero chargeback risk.
Are Midtrans transaction fees subject to Indonesian PPN (VAT)? ▾
Yes. In accordance with Indonesian fiscal law, Midtrans assesses 11% PPN (Pajak Pertambahan Nilai) on its payment gateway service fees, providing monthly electronic tax invoices (Faktur Pajak).
Does Midtrans support Indonesian Buy Now Pay Later (BNPL) and installment services? ▾
Yes. Midtrans supports Akulaku, Kredivo, and GoPay Later, allowing Indonesian consumers to split purchases into monthly installments while the merchant receives full upfront settlement.
What is Iris by Midtrans for automated mass payouts and disbursement? ▾
Iris is Midtrans's mass payout API, allowing Indonesian businesses to disburse vendor payments, marketplace seller payouts, and employee salaries directly to all Indonesian bank accounts in real-time.
What settlement timelines apply to Midtrans Indonesian bank deposits? ▾
E-wallet and QRIS payments settle on T+1 business day. Bank Virtual Account transfers settle on T+1 or T+2. Credit card transactions settle within 2 to 4 business days into Indonesian commercial bank accounts.
How does Midtrans Aegis protect merchants against credit card fraud in Indonesia? ▾
Aegis is Midtrans's proprietary machine-learning fraud detection system, scoring transactions against millions of Indonesian retail data points and enforcing mandatory 3D Secure OTP verification.