Midtrans for

Health Industry
Underlying Payment Infrastructure for the Internet
Economy in Indonesia
 About Midtrans
Midtrans is an Indonesian technology-based financial
company that provides payment gateway, disburse
payment and fraud detection to strengthen Indonesia's
digital economy. Midtrans, formerly known as Veritrans, was
established in 2012 and in 2017 officially acquired by the
Gojek group. Midtrans has a partnership with a wide network
of banks and fintech companies in Indonesia to be able to
efficiently serve more than 11,000+ merchants for their day to
day business.

Simple Reliable Secure

Midtrans simplify the payment
process and provides
convenient experience to helps
commerce growing their
business.
Connecting business, bank Midtrans committed to
and consumers, Midtrans provide high quality security
provides reliability for to ensure excellent services
seamless transactions. for partners and merchants.
Midtrans’s Business Ecosystem

As of May 2021, Midtrans is the only Payment Gateway that directly affiliates with giant ecosystem
GoTo Group in Indonesia
GoTo Structure

#1 on-demand #1 financial technology #1 e-commerce

services platform in services platform in Platform in Indonesia
Indonesia Indonesia
Midtrans is a part of Gojek Group
An Indonesian on-demand multi-service
platform and digital payment technology group
based in Jakarta.

As of June 2020, it has about 170 million users

throughout Southeast Asia.

Payment

Delivery
Order*

Marketing* Administration
*based on customers’ claim

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 A complete payment solutions tailored for your business
Making payments easy is key to making the business successful.
We are here to help you simplifying your payments so you can focus on growing your business.

19,000+ Merchants
from various industries, such
as marketplace, online travel
agent, fashion, insurance
and so many more.

Bank and Principal Partners

including card payment, bank transfer,
direct debit, e-wallet and over the
counter partners.

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Extensive Range of Payment Solutions

Monitoring
Accept Payment Increase transaction Disburse/payout
Transaction

Allows you to accept Helps to detect and Manage any card Allows you to disburse
payments via 20+ payment minimize fraudulent payment discount payments to over 150
options from card payment, transactions to ensure campaign in a simple banks and e-Money in
bank transfer, you an optimal dashboard - no coding Indonesia securely and
over-the-counter and also marketing budget needed! easily using integrated
e-money allocation. APIs.
Collaborative
Solutions
How Midtrans helps clients in Health industry

One of the largest medicine commerce and health consultations in Indonesia, Halodoc, collaborates with GoPay as
one of its payment channels. They also collaborate to provide discount vouchers for people in the GoPay ecosystem.
As a result, they accepted almost IDR 300 billion of sales since June 2020. It’s because we support GoPay
Tokenization on Halodoc App. Not only that, we also offers Card Payment tokenization for easier payment journey.

As of now, the GoPay still contributes a huge portion of sales for Halodoc as most people are still unwilling to go outside
to make a direct purchase.

K24Klik as leading online pharmacy and pioneer of Open 24 Hours Non Stop online pharmacy in
Indonesia. GoPay is integrated as preferred payment method via Midtrans and has obtained positive
reception from K24Klik especially during their promo campaign.

Collaboration promo with GoPay has tremendously increased the sales growth for K24Klik especially
during the previous pandemic year.

Fastlab has started their business which has mobile SWAB Test in 2020 with the aim of
providing safe services to customers who want to do tests. As a result, they managed to
receive sales of nearly IDR 1 billion in less than 1 month.
Accept Payment
 Our Solutions for Cash-in Payment
Credit Card
We offer Card Payment
including Full Payment and
Installment.
[MERCHANT] could utilize our
features to save customer’s
time and avoiding human to
contact directly to the others.
Online Bank E-Money
Transfer
We offer Virtual Account As part of Gojek Group, we have
the exclusive privilege for GoPay
Payment including Online
Bank Transfer through as your preferred payment
channels. Based on App Annie
M-Banking.
data, GoPay has highest monthly
active users from 2019 - 2020.
[MERCHANT] could utilize our
features to attract repeat
GoPay enablement would help
orders or make it easier from [MERCHANT] to reach the
customers via API. millennials customers as seen
from our existing partner in the
same Health Tech Industry
Payment Link
Create a Payment Link that you
can share easily to customer
through emails, messages and
social media channels and directly
accept payments from customer
anywhere.
Payment Link will enable
customer to make purchase via
Whatsapp which is more
convenient for certain segment of
customer especially in Health Tech
Industry.
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Payment Channels
Midtrans currently offers 20+ different payment methods. Midtrans also supports payment features such as
credit card installment, card tokenization, credit card point reward redemption, and discount / promo.

E-Money

Card Payment

Bank Transfer

Over the Counter

Direct Debit

Cardless Credit

*Coming Soon: Kredivo, UOB EZPay

Payment Link to support incoming sales from customer service

Create a Payment Link that you can share easily to customer through emails,
messages and social media channels and directly accept payments from
customer anywhere.

WHY USE PAYMENT LINK?

Easy access for Payment page can be

merchants
on-the-go, you can
create a Payment Link
right from our portal.
easily accessed by
customer through a simple
link that can be shared
through emails, messages
or social media channels.

https://app.sandbox.midtrans.com/payment-links/COVID1 Receive real time

9
No technical
notification of your development required.
*click here to go to Midtrans Payment Link demo transactions.
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Easily create Payment Link through our Merchant Administration Portal
and customize payment details based on your needs.

Create a customer details and

send the Payment Link to your
customer’s email address

Set the expiry time to

Payment Links, you can set the
expiry to be hours, days

Allows you to control on how many

times the Payment Link (URL) can be
used and useful for inventory
management

Item details and calculations

can be created as you desire

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Continuous support for your business

We’re committed to provide the best service that we can offer to you.

Dedicated Account Analysis data

Manager that could support of your
be reached transactions that
anytime through could help you to
email or Whatsapp grow your business

Helpful technical Notification

support that blasting for any
could be reach downtime or
via email, Slack or maintenance that
Call Centre may occur via email
or WhatsApp

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Integrate Easily
Integration Type
SNAP
Payment is processed on a pop-up
page without any redirection.
Integration and maintenance
process is much simpler as it has
been provided as a template by
Midtrans
Demo Midtrans
Mobile SDK
Midtrans mobile SDK enables
merchants to accept online
payments natively in their mobile
apps.
We provide the drop-in User Interface
(UI) for making transactions on all
payment types supported by
Midtrans.
Core API
Merchant is able to fully customize their
payment page.
Midtrans will provide API to be connected
to merchant’s unique payment page
Demo
Integrate with Ease and Secure

Multi-platform Compatibility

Integrate our payment page SNAP with various

CMS and mobile devices using easy to use
plugins and supporting tech docs.

Security and Compliance

Midtrans is licensed by Central Bank of

Indonesia, we take security seriously by
utilizing the latest Encryption technology with
Aegis and 3 Domain Secure (3DS) card
authentication.

Midtrans is compliant with the industry’s latest

and most stringent security guidelines,
including PCI-DSS and ISO 27001.
 Try us now!

General Integration
Midtrans general documentation could be found on
https://docs.midtrans.com

API Integration
Midtrans documentation for detailed API integration
could be found on https://api-docs.midtrans.com

SDK Integration
Midtrans documentation for detailed SDK integration
could be found on https://mobile-docs.midtrans.com

Sandbox Access
Sandbox access could be easily accessed by registering
your email on Midtrans website

Back to Additional
Midtrans Feature
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System and
Reporting
Overview
 Transaction Analytics Dashboard - MAP

Manage all your transactions from one

dashboard - Merchant Administration Portal
(MAP)

Key features:
1. Transaction management
2. User management
3. Email notification settings
4. Daily reports
5. Staging environment for testing
6. Mobile friendly
Transaction Analytics Dashboard - MAP

Download all
transaction data
via excel and
csv, and
customize what
exactly you want
in the report

Transaction
date and status
are updated in
real-time
Transaction Analytics Dashboard - MAP

Analyze how your customers paid for their order.

Cancel
transactions from
the dashboard

Customer and
shipping details can all
be found
Transaction Analytics Dashboard - MAP

Handle and understand billing

Show the payout

history that has been
successful
Onboarding Flow
 3 express steps to accept online payment
Register
1 2
1. Visit our registration page.
2. Once you clicked Register and created an
account, verify your account via the
confirmation email we've sent you.
3. Login to your Dashboard here,
4. Click on the ʻcomplete registrationʼ banner at the
top to continue to the onboarding process.
Upload Legal Docs Start accepting payment
3
1. Follow the instructions Your Bank Transfer is activated Start
and you can payment
accepting
2. Upload your legal documents start accepting payments via our
Letweb
your customer pay via o
3. Confirm the T&Cs integration and payment links. integration and payment lin
Do remember to check your email for the
e-agreement.
1. Card Payments, QRIS, and GoPay will
require Midtrans to review your application,
we will contact you immediately.
2. If you want to have another integration or
add more payment method, please reach us
at acquisition@midtrans.com.
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 Manual onboarding
Certain merchant may require non-regular payment solutions which will follow manual onboarding flow.
Documents
1 2
Corporate
1. Deed of Establishment & Decree of
the Ministry of Justice and Human
Rights/ Akta pendirian perusahaan
dan SK Menkeh
2. Letter of Domicile/ Surat Keterangan
Domisili Perusahaan
3. Director ID/ KTP Direktur
4. Company Taxpayer Identification
Number/ NPWP Perusahaan
5. Trade License/ Izin Usaha
6. Company Registration Certificate/
Nomor Induk Berusaha
7. BAPPEBTI License / Izin BAPPEBTI
Agreement &
Technical Integration
You can start the technical
integration while completing all the
agreement signing steps.
Tech docs:
1. Payment Gateway
docs.midtrans.com
2. Disbursement Service
iris-docs.midtrans.com
Internal Review
3 4
Your business has to go through our
internal review process before going
live.
We will also cross check the document
required for each payment channel.
Testing
Live!
5
Final testing is required to make You are now officially live with
sure the technical flow and user Midtrans as your payment gateway!
experience will go smoothly.
We will help you throughout the
process.
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Pricing
Pricing Pay-In
Our simple per transaction pricing model
Bank Settlement
Payment Channel Midtrans Fee Settlement Remarks
Fee/MDR Account
Card payment 2.9% (Incl.vat) Rp 2,000 T+3 Any banks Visa, Mastercard, JCB
Card Bank Fee* Rp 2,000 TBC with Bank Visa, Mastercard, JCB, Amex
Transactio Features:
n Any supported
Bank Fee* Rp 2,000 TBC with Bank
Online installment banks BCA, BNI, BRI, CIMB, Mandiri, Maybank
Online Transfer (All Permata/BNI/Other
Rp 4,000 T+1**
ATMs in Indonesia) banks
Rp 4,000 T+1** ATM Bersama, ALTO, PRIMA, Internet Banking
BNI Virtual Account BNI/Other banks
(Real-time transfer)
Permata Virtual Permata/Other
Account Rp 4,000 T+1** banks
Bank
Transfer ATM, SMS, Internet Banking Mandiri, Mandiri
Rp 4,000 T+1**
Mandiri Bill Payment Any banks Online
BCA Virtual Account Rp 4,000 T+1** BCA ATM, BCA mobile, KlikBCA, m-BCA
ATM Bersama, Alto, Prima, Internet Banking,
BRI Virtual Account Rp 4,000 T+1** Any banks
LinkAja (Real-time transfer)
GoPay 2% T+2** Any banks GoPay balance
Server-based electronic money, electronic
QRIS 0.7% T+2** Any banks
wallet or mobile banking in Indonesia
E-Money ShopeePay Retail: 2% T+3 Any banks ShopeePay balance
(Deeplink) Gaming, Content, Digital: 4% T+3 Any banks ShopeePay balance
Server-based electronic money, electronic
ShopeePay (QRIS) 0.7% T+3 Any banks
wallet or mobile banking in Indonesia
*Requires direct agreement with Bank/Partner. Midtrans will facilitate introductions and onboarding forms
Settlement refers to nett payout to merchant’s bank account
**Working days
All prices (Excl. E-Money) are subject to tax
Pricing Pay-In
Our simple per transaction pricing model

Payment Channel Bank Fee/MDR Midtrans Fee Settlement Settlement Account Remarks
Rp 2,000
BCA KlikPay Bank Fee* TBC with Bank BCA
(excl. vat)
OCTO Clicks Rp 5,000 (incl.vat) T+3 CIMB/Other banks
BRImo Rp 5,000 (incl.vat) TBC with Bank BRI
Direct Debit e-Commerce Internet Banking
Danamon Online Danamon/Other
Rp 5,000 (incl.vat) T+3
Banking banks

UOB EZ Pay Rp 5,000 (incl.vat) T+3

Indomaret Rp 1,000
Indomaret T+5 Any banks Indomaret
Over The Fee* (excl. vat)
Counter
Alfamart Rp 5,000 (incl.vat) T+5 Any banks Alfamart, Alfamidi, Lawson, DAN-DAN

Installments to customers without credit card

Cardless Akulaku 2% 1,7%** (incl.vat) T+5 Any banks
present.
Credit
Kredivo 2% (excl. vat) T+2 Any Banks

*Requires direct agreement with Bank/Partner. Midtrans will facilitate introductions and onboarding forms
Settlement refers to nett payout to merchant’s bank account
**Valid until 30 June 2022
We’re happy to assist.

Annisa Rahmawati
annisa.rahmawati@midtrans.com
Pasaraya Blok M, B Building, 4th Floor
Jl. Iskandarsyah II, No. 2
Jakarta Selatan - 12160
Indonesia
+62.878.6851.4434

Copyright © Midtrans. All rights reserved. Any kinds of use / copy / reproduction in the broadest interpretation, be it for whole or part herein, must be with prior consent from Midtrans.