Compare processors
Put up to 4 payment processors side by side and weigh pricing, capabilities, and company facts at a glance.
Comparing 2 of 4.
| Compare |  MidtransNo reviews |  PayU4.5(4) |
|---|---|---|
| Pricing | ||
| Online card rate | 2.9% + IDR 2,000 | 2% to 3% (by market) |
| In-person rate | N/A | N/A |
| Keyed-in rate | N/A | N/A |
| International | Same 2.9% + IDR 2,000 card rate. Midtrans processes in IDR only, so the issuing bank handles any currency conversion | Varies by market |
| ACH / bank | Bank transfer and virtual account are a flat IDR 4,000 per transaction across BCA, BNI, BRI, Mandiri, Permata, CIMB, Danamon, BSI and others | N/A |
| Monthly fee | IDR 0 per month | Varies |
| Setup fee | IDR 0, registration and integration are free | N/A |
| Monthly minimum | None | N/A |
| Chargeback fee | No separate Midtrans fee on a refund or chargeback, but the original transaction fee is not returned | N/A |
| Pricing model | Flat rate | Custom quote, Flat rate |
| Contract | No contract | Annual |
| Free trial | No | No |
| Payout time | T+3 | Varies |
| Payment methods | ||
| Visa | Yes | Yes |
| Mastercard | Yes | Yes |
| Amex | Yes | Yes |
| BNPL | Yes | Yes |
| Wallets | Yes | Yes |
| Wire | Yes | No |
| UPI | No | Yes |
| Netbanking | No | Yes |
| Integrations | ||
| API | Yes | Yes |
| Hosted checkout | Yes | Yes |
| Drop-in UI | Yes | Yes |
| Mobile SDK | Yes | Yes |
| Payment links | Yes | Yes |
| WooCommerce | Yes | No |
| Magento | Yes | No |
| Features | ||
| Recurring billing | Yes | No |
| Fraud protection | Yes | Yes |
| 3D Secure | Yes | Yes |
| Tokenization | Yes | No |
| Reporting dashboard | Yes | No |
| Multi-currency | No | Yes |
| Chargeback protection | No | Yes |
| Company | ||
| Founded | 2012 | 2002 |
| Headquarters | Jakarta, Indonesia | Hoofddorp, Netherlands |
| Company size | 51-250 staff | 1000+ staff |
| Regions | Global | IN, EU, Global |
| PCI level | Level 1 | Level 1 |
| Currencies | Indonesian rupiah only, following Bank Indonesia regulation, so merchants pricing in other currencies must convert to IDR before sending the charge request | Local currencies across 50+ markets |
| High-risk friendly | No | Yes |
| Get started | ||
| Visit / profile | ||