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Indodana PayLater

Country: Indonesia (ID)  |  Payment Rail: closed_loop_wallet

BNPL Market Adoption: 30%

Indodana PayLater is a prominent Indonesian BNPL provider, featuring quick digital credit approval and omnichannel payment support widely used across e-commerce platforms and retail stores.

🔄 User Payment Flow

  1. Customer selects Indodana PayLater at merchant checkout
  2. Customer enters Indodana registered phone number and PIN
  3. Customer selects desired installment tenor
  4. Customer enters OTP received via SMS to authorize deduction
  5. Transaction is approved and order is confirmed

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant requests payment authorization through PSP API
  • PSP forwards transaction request to Indodana
  • Indodana authenticates consumer and confirms credit deduction
  • Merchant processes order upon callback receipt