DANA

Indonesia—the world's fourth most populous country and largest archipelagic nation—is Southeast Asia's largest economy. In 2024, the country's GDP is projected to exceed USD 1.48 trillion, putting it in 16th place in the world.

In recent years, this dynamic market has emerged as a key growth engine for global e-commerce and digital payments. Amid the rapid adoption of digital payment methods, e-wallets have become one of the most widely used payment options in Indonesia. According to Statista, the number of e-wallet users in Indonesia reached approximately 107 million in 2022, covering 82% of the population and representing a net increase of around 16 million users year-on-year.

In this digital payment revolution, DANA has established itself as one of Indonesia's leading digital payment platforms. Founded in 2017, DANA has grown into one of the country's most prominent e-wallet providers. With a cumulative user base of nearly 160 million and approximately 60 million monthly active users, it consistently ranks among Indonesia's top local e-wallet apps. This means that almost half of Indonesia's population use DANA. In addition, DANA's users also represent one of the country's most active consumer groups.

DANA offers Indonesian users a comprehensive suite of digital financial services, covering online shopping, mobile top-ups, utility bill payments, social security contributions, instalment payments, and offline retail transactions. Through this multifunctional platform, users can complete daily cashless payments easily and securely.

With outstanding product innovation capabilities and extensive social influence, DANA has received multiple international awards and accolades, including Best Innovative Fintech App at the Sensor Tower APCA Awards 2024, Innovative Achievement in Diversity and Inclusion (Bronze) at the Stevie Awards Asia 2025, inclusion in CNBC's World's Top Fintech Companies 2025, and the Paritrana Award 2025 Juara III Tingkat Provinsi DKI Jakarta Tahun 2025. These achievements further demonstrate DANA's leading position in driving fintech innovation and advancing social inclusiveness in Indonesia.

Properties

The following table lists the product properties supported by DANA:

User experience

Note: The following payment flows on different terminals are for reference only. For supported merchants' terminal types, consult Antom Technical Support.

The following screenshots show the journey of paying with DANA:

Web

WAP

App

1. The buyer selects DANA to pay.

2. The buyer confirms the order information and completes payment.

3. The buyer enters the DANA PIN.

4. The payment result page is displayed.

5. The buyer is redirected to the merchant page.

FAQ

1. Which market does DANA primarily serve?

DANA is one of Indonesia's leading e-wallets and digital payment platforms. Deeply entrenched in the Indonesian market, DANA is committed to providing inclusive, accessible, and secure digital financial services to local consumers, SMEs, and ecosystem partners through continuous technological innovation. It is one of the key drivers accelerating Indonesia's transition towards a cashless society.

2. What are the main payment scenarios supported by DANA?

DANA supports a wide range of everyday payment scenarios across nearly every aspect of Indonesian consumers' daily lives, including shopping on major e-commerce platforms, payments at local convenience stores, restaurants, supermarkets, and other partner merchants, utility bill payments such as electricity, water, internet, and mobile services, as well as public transportation payments in selected cities across Indonesia.

3. Is DANA secure?

DANA complies with internationally recognised PCI DSS and ISO 27001 security standards to safeguard users' payment credentials and personal information. Subject to the terms and conditions of DANA's user service agreement, protection also extends to users' DANA balances, linked bank cards, and other stored funding sources in the event of financial loss.

4. Can DANA be used outside Indonesia?

Yes. By integrating with cross-border payment solutions such as Alipay+, DANA users can make cross-border payments in popular tourist destinations such as Malaysia, Thailand, Singapore, Japan, and South Korea. When users scan QR codes at overseas merchants that support Alipay+, the system automatically converts transactions at the applicable exchange rate and settles transactions in Indonesian rupiah (IDR), providing Indonesian travellers with a seamless and convenient cross-border payment experience.

5. What services are available for merchants integrating DANA through Antom?

Antom maintains a deep partnership with DANA, offering merchants exclusive access to mini programmes, Buy Now, Pay Later (BNPL) solutions, and customised marketing and traffic acquisition tools. Backed by over a decade of local market expertise, Antom helps merchants develop tailored localisation and payment strategies. Through a single integration, merchants can efficiently access Indonesia's mainstream payment methods, enabling faster store creation, higher conversion efficiency, and streamlined operations.