Compare processors
Put up to 4 payment processors side by side and weigh pricing, capabilities, and company facts at a glance.
Comparing 4 of 4.
| Compare |  MidtransNo reviews |  Stripe4.5(4) Sponsored |  PayPal4.5(4) |  Adyen4.5(4) |
|---|---|---|---|---|
| Pricing | ||||
| Online card rate | 2.9% + IDR 2,000 | 2.9% + $0.30 | 2.99% + $0.49 | Interchange + 0.60% + $0.13 |
| In-person rate | N/A | 2.7% + $0.05 | 2.29% + $0.09 | Interchange + 0.60% + $0.13 |
| Keyed-in rate | N/A | 3.4% + $0.30 | 3.49% + $0.09 | N/A |
| International | Same 2.9% + IDR 2,000 card rate. Midtrans processes in IDR only, so the issuing bank handles any currency conversion | +1.5% | +1.5% | Varies by method |
| 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 | 0.8% (cap $5) | 0.8% (cap $5) | $0.27 + $0.13 |
| Monthly fee | IDR 0 per month | $0 | $0 | $0 |
| Setup fee | IDR 0, registration and integration are free | N/A | N/A | N/A |
| Monthly minimum | None | N/A | N/A | $120 invoice minimum |
| Chargeback fee | No separate Midtrans fee on a refund or chargeback, but the original transaction fee is not returned | $15 | $20 | $15 |
| Pricing model | Flat rate | Flat rate, Custom quote | Flat rate | Interchange-plus |
| Contract | No contract | No contract | No contract | Annual |
| Free trial | No | No | No | No |
| Payout time | T+3 | 2-day | Instant | T+2 |
| Payment methods | ||||
| Visa | Yes | Yes | Yes | Yes |
| Mastercard | Yes | Yes | Yes | Yes |
| Amex | Yes | Yes | Yes | Yes |
| BNPL | Yes | Yes | Yes | Yes |
| Wallets | Yes | Yes | Yes | Yes |
| Wire | Yes | No | No | No |
| Discover | No | Yes | Yes | No |
| Apple Pay | No | Yes | No | Yes |
| Google Pay | No | Yes | No | Yes |
| ACH | No | Yes | No | Yes |
| SEPA | No | Yes | No | Yes |
| PayPal | No | No | Yes | No |
| Integrations | ||||
| API | Yes | Yes | No | Yes |
| Hosted checkout | Yes | Yes | Yes | Yes |
| Drop-in UI | Yes | Yes | No | Yes |
| Mobile SDK | Yes | Yes | No | Yes |
| Payment links | Yes | Yes | Yes | No |
| WooCommerce | Yes | Yes | Yes | No |
| Magento | Yes | No | No | No |
| Shopify | No | Yes | Yes | No |
| Invoicing | No | Yes | Yes | No |
| BigCommerce | No | No | Yes | No |
| POS hardware | No | No | No | Yes |
| Virtual terminal | No | No | No | Yes |
| Features | ||||
| Recurring billing | Yes | Yes | Yes | No |
| Fraud protection | Yes | Yes | Yes | Yes |
| 3D Secure | Yes | Yes | No | Yes |
| Tokenization | Yes | Yes | No | Yes |
| Reporting dashboard | Yes | Yes | Yes | Yes |
| Multi-currency | No | Yes | No | Yes |
| Marketplace split | No | Yes | No | No |
| Developer-friendly | No | Yes | No | Yes |
| Chargeback protection | No | No | Yes | No |
| Company | ||||
| Founded | 2012 | 2010 | 1998 | 2006 |
| Headquarters | Jakarta, Indonesia | San Francisco, CA, USA | San Jose, CA, USA | Amsterdam, Netherlands |
| Company size | 51-250 staff | 1000+ staff | 1000+ staff | 1000+ staff |
| Regions | Global | US, CA, EU, UK, Global | US, CA, EU, UK, Global | EU, UK, US, Global |
| PCI level | Level 1 | Level 1 | 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 | 135+ currencies | 100+ currencies | 150+ currencies |
| High-risk friendly | No | No | No | No |
| Get started | ||||
| Visit / profile | ||||