OVO
Country: Indonesia (ID) | Payment Rail: real_time_payment
DigitalWallet
Market Adoption: 70%
OVO is a leading e-wallet in Indonesia, deeply integrated with Grab and retail ecosystems for transit, utility bills, and online shopping.
🔄 User Payment Flow
- Customer selects OVO at checkout and inputs their registered mobile number
- Checkout triggers an OVO push notification on the customer's phone
- Customer opens OVO app, reviews the transaction, and enters PIN to confirm
- OVO clears funds instantly and redirects customer back to merchant
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant calls payment API with customer's OVO phone number
- PSP sends push notification request to OVO server
- PSP triggers merchant callback instantly upon OVO confirming successful authorization
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 DOKU🔌 Xendit🔌 Midtrans