IndonesiaFragmented by geography, connected by phone

Much of everyday life in Indonesia happens through apps, whether that’s shopping, entertainment, transport or managing money. SuperApps, which bring services like messaging, shopping and banking into a single or small collection of apps, are something people rely on every day to manage and spend their money. Whatever their preferred app or apps, in other words, Indonesians expect them to be available at checkout.

Shoppers switch between eWallets, QR codes, bank transfers, cards and BNPL intuitively depending on what they’re buying. eWallets own the biggest slice, taking 37% of eCommerce spending in 2026 and are expected to hold onto that lead through 2028. It’s a crowded space, with OVO, DANA, GoPay and ShopeePay among the biggest names. For anything bought and used on a phone, wallets are the default: they cover around three quarters of gaming spend and close to half of what people pay for ride-hailing and delivery.

If the wallet market is fragmented, QRIS is what holds it together. Bank Indonesia’s national QR standard lets any participating wallet or banking app pay at any QRIS merchant, so shoppers don’t need to carry the “right” app. It’s now accepted by 44.9 million merchants, almost all of them micro, small and medium businesses, and used by around 66 million people. In the first half of 2026 alone, QRIS transactions doubled to 12.5 billion.¹

A2A payments are already a major part of Indonesia’s eCommerce mix, accounting for 28% of spending and expected to keep growing through 2028. Two national rails are helping that along in different ways: QRIS, Indonesia’s interoperable QR payment standard, and BI-FAST, its real-time infrastructure for instant bank-to-bank transfers. As these ways to pay gain ground, cards are heading the other way, slipping from 17% to 15%, while cash-based options decline to around 5%.

Indonesians are also big users of BNPL, which makes up 9% of eCommerce spending. It’s a crowded field, too, with no provider holding more than about 30% of those payments. It’s especially popular for travel-related purchases, where consumers pay almost one purchase in five in installments.

Global merchants looking for access to Southeast Asia will be drawn to its high cross-border eCommerce share. Around 30% of Indonesia’s eCommerce spending goes to merchants abroad, roughly double India’s 15%. In a country that draws visitors from around the world, travel is another natural route in, with more than a third of bookings made cross-border.