GPN Debit Card

Country: Indonesia (ID) | Payment Rail: card_network

Card Market Adoption: 40%

GPN is Indonesia's national card payment network, facilitating secure local debit card processing and low-cost merchant acquisition.

🔄 User Payment Flow

Customer enters GPN debit card number and expiry at checkout
Customer is redirected to their Indonesian issuing bank 3DS page
Customer enters the SMS OTP received on their mobile phone
Issuing bank validates the OTP and clears transaction

⚙️ Characteristics & Settlement

Instant Payment	YES
Supports QR	YES
Supports Recurring	NO
Supports Refund	YES

🛠️ Merchant Integration Steps

Merchant initiates charge via local acquirer API
Merchant handles 3DS secure redirect
Merchant receives success webhook from card processor

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Stripe🔌 Midtrans