Indonesia's digital payments reach 6.11 billion transactions in August 2026
Bank Indonesia's August 2026 payment figures: digital transactions up 40.36%, QRIS up 67.22%, mobile banking up 47.08% and BI-FAST at 549 million transfers. What the trend means for online shops.
Đăng ngày 21 tháng 10 2026 2 phút đọc
Indonesians made 6.11 billion digital payment transactions in August 2026, 40.36% more than a year earlier. Bank Indonesia Governor Destry Damayanti shared the figures after the Board of Governors meeting on 23 September 2026.
The figures for August 2026
| Channel | Figure | Change vs. Aug 2025 |
|---|---|---|
| All digital payments | 6.11 billion transactions | +40.36% |
| QRIS | — | +67.22% |
| Mobile banking | — | +47.08% |
| Internet banking | — | +15.12% |
| BI-FAST (retail bank transfers) | 549 million transactions, Rp1,346 trillion | +37.72% |
| BI-RTGS (large-value transfers) | Rp16,545 trillion | −3.64% |
Cash still matters too: money in circulation rose 12.88% to Rp1,332 trillion.
What stands out
- QRIS is the fastest-growing channel, growing faster than mobile banking and much faster than internet banking. More merchants accept it, and since 1 October 2026 small payments carry 0% MDR.
- Phones beat computers. Mobile banking grows three times faster than internet banking. Your checkout must work well on a small screen.
- Instant bank transfers keep growing. BI-FAST makes transfers between banks fast and cheap, which is why customers expect money to move in seconds.
What this means for online shops
- Offer QRIS at checkout. It is where customers are moving. See how to accept QRIS payments.
- Design for mobile first. Read 9 checkout tips to turn more orders into paid orders.
- Confirm payments automatically. With millions of payments a day, manual checks of transfer receipts do not scale and invite fraud. Use a webhook instead. See how to stop fake transfer receipts.
Source: ANTARA, 23 Sep 2026.
