Qitero Qitero

LinkAja

Country: Indonesia (ID)  |  Payment Rail: closed_loop_wallet

DigitalWallet Market Adoption: 30%

LinkAja is a major Indonesian state-backed digital wallet, supporting public transit, utility bill payments, and recurring subscription charges.

🔄 User Payment Flow

  1. Customer selects LinkAja at merchant checkout
  2. Checkout presents QR code or redirects to LinkAja mobile app
  3. Customer verifies transaction summary and enters LinkAja PIN
  4. LinkAja clears wallet balance and redirects back to merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway to request LinkAja payment URL
  • PSP issues payment token and QR code
  • PSP receives LinkAja clearing webhook callback and confirms merchant order

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 DOKU🔌 Xendit🔌 Midtrans