GoPay

As the largest economy in Southeast Asia, Indonesia has more than 89% of its population using electronic payment methods, primarily for online shopping. The country's online shoppers are dominated by millennials aged between 20 and 37, who account for approximately 88%, while male users represent around 53% of the overall online consumer base.

Since its launch in 2016, GoPay has rapidly grown into one of Indonesia's leading digital payment platforms. As the exclusive built-in payment solution within the Gojek superapp ecosystem, GoPay is deeply integrated across high-frequency everyday scenarios such as travel, food delivery, and shopping, winning the trust of users with a secure, reliable, and seamless payment experience.

According to a 2022 survey conducted by InsightAsia, GoPay has been the most widely used e-wallet among Indonesian consumers over the past five years. 71% of the respondents reported using GoPay for various financial transactions, with many citing the convenience of being able to make payments anytime, anywhere as one of the platform's key advantages. A 2021 study conducted by the Population Research Institute at the Faculty of Economics and Business, University of Indonesia (LD FEB UI), found that 46% of consumers experienced cashless payments for the first time through GoPay.

GoPay's core user base consists primarily of urban young consumers in Indonesia, while its reach has steadily expanded to include e-commerce shoppers, small and micro merchants, unbanked populations, and price-sensitive users. Looking ahead, GoPay plans to extend its cross-border payment capabilities to serve Chinese tourists visiting Indonesia as well as Indonesian consumers living in China, further strengthening its broader digital payments ecosystem.

As of 2025, GoPay has achieved interoperability with payment systems in Thailand, Malaysia, and Singapore through the QRIS framework. The company also plans to launch pilot connectivity between QRIS and China's digital payment systems by the end of 2025, further expanding regional coverage.

Properties

The following table lists the product properties supported by GoPay:

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 GoPay:

1. The buyer selects GoPay to pay.

2. The buyer is directed to the GoPay app and confirms the order information.

3. The buyer completes the authentication.

4. The buyer is redirected to the merchant's result page.

FAQ

1. What are the key advantages for merchants to integrate GoPay through Antom?

By integrating GoPay through Antom, merchants do not need to separately connect with local Indonesian institutions or navigate regulatory procedures on their own. Antom has established an official, compliant and direct integration with GoPay, significantly reducing the complexity and communication costs in the process. Additionally, Antom consolidates GoPay with other mainstream Indonesian local payment methods, allowing merchants to manage transactions, reconciliation, and settlement through a single account. Merchants can also leverage Antom's global acquiring network to unify local Indonesian payments with global payment operations, eliminating the need to maintain multiple payment systems.

2. Are there any industry restrictions for merchants looking to integrate GoPay?

GoPay supports a wide range of use cases and currently serves e-commerce, digital entertainment, food delivery, travel, flights, ticketing, and other compliant industries. At present, there are no specific industry access restrictions.

3. Is the payment process accessible for consumers using GoPay at Antom Checkout?

Yes. After selecting GoPay at the Antom Checkout page, consumers can either scan an automatically generated QR code or be redirected directly to the GoPay payment interface. Users simply log in to their GoPay account, confirm the payment amount, and complete the transaction in just a few taps. The overall payment experience is simple and efficient.

4. What are the key consumption and payment preferences of Indonesian consumers?

Data shows that Indonesian consumers are highly price-sensitive, with discounts, free shipping, and price comparisons playing a major role in purchase decisions. Family influence is also an important factor in shopping behaviour, and highlighting family-oriented usage scenarios on product details pages can help improve conversion rates. In terms of payment preferences, e-wallets account for nearly half of all e-commerce transactions, with GoPay ranking among the most preferred local digital wallets.

5. Why do Indonesian consumers highly trust and prefer GoPay?

GoPay has built a comprehensive security framework supported by advanced cybersecurity technologies and a dedicated digital security team. The platform supports multiple layers of authentication, including PIN verification and biometric authentication, and complies with the internationally recognised ISO 27001 information security standard. In addition, GoPay offers a balance protection programme for GoPay Plus users. If users experience balance loss due to account theft, device loss, system vulnerabilities, or unauthorised third-party activity beyond their control, they may apply for compensation through the programme, further strengthening trust in the platform's transaction and fund security.

6. What is the long-term value for merchants integrating GoPay amid the growth of Indonesia's digital payment market?

Indonesia is one of the fastest-growing digital payment and e-commerce markets in Southeast Asia, with cashless payment adoption continuing to accelerate. As one of the country's leading e-wallets, GoPay is deeply integrated into the Gojek ecosystem and is well-positioned to benefit from the expansion of Indonesia's digital economy. By integrating GoPay early, merchants can effectively tap into Indonesia's large consumer base while leveraging GoPay's strong ecosystem and brand recognition to align with future consumption trends in the market. This helps establish a strong localised payment foundation for long-term business growth in Indonesia. At the same time, merchants can seamlessly connect with Antom's global acquiring network, reducing future payment integration costs.