RTGS is a widely used payment method in Indonesia that enables consumers and businesses to move money securely through local payment infrastructure.

How do businesses accept RTGS payments?

Businesses can accept RTGS through Echo Money using a single integration. This allows companies to collect payments, process payouts, and manage settlement without building direct connections to local banks, payment providers, or market-specific infrastructure.

Which countries support RTGS?

RTGS is primarily used in Indonesia, though availability may depend on local regulations, banking connectivity, and payment corridor support. Echo Money helps businesses access RTGS and 215+ other local payment methods through a unified platform.

What industries commonly use RTGS?

RTGS is commonly used by e-commerce businesses, marketplaces, SaaS platforms, gaming companies, travel providers, fintechs, and global merchants. Businesses choose RTGS to improve payment acceptance rates, reduce checkout friction, and offer a more localized payment experience in Indonesia.

Why should businesses offer RTGS?

Customers are more likely to complete a transaction when they can pay using a payment method they already know and trust. By offering RTGS, businesses can improve conversion rates, increase payment success rates, reduce payment friction, and reach more customers in Indonesia. Through Echo Money, businesses can enable RTGS alongside 215+ local payment methods through a single integration.

Does Echo Money support refunds or recurring payments for RTGS?

Support for refunds, partial refunds, recurring payments, and subscription billing depends on the capabilities of RTGS and local payment infrastructure. Echo Money provides the tools needed to manage these workflows where supported by the payment method.

Yes. RTGS operates through regulated payment infrastructure and includes security measures designed to protect both businesses and customers. Echo Money further supports secure transactions through compliance controls, KYC and KYB verification, transaction monitoring, and risk management processes.

All payment methods

Accept Payments via RTGS with Echo Money

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Enable customers to pay using RTGS, one of the most trusted payment methods in Indonesia.

Accept payments through a single API, settle globally, and access local payment rails without building market-specific infrastructure.

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Summary

About RTGS

Bank Transfer RTGS operates as Indonesia’s premier high-value settlement framework managed directly by Bank Indonesia.

Tailored specifically for large-volume corporate disbursements and urgent institutional transfers exceeding one hundred million Rupiah, this secure system facilitates real-time gross processing on an instruction-by-instruction basis. It links virtually all major domestic commercial banks, enabling robust corporate liquidity movement across Southeast Asia’s largest digital economy. Integrating RTGS capabilities allows cross-border enterprises, business-to-business marketplaces, and financial aggregators to handle substantial wholesale payment settlements efficiently. The protocol guarantees immediate, irreversible transaction completion under strict regulatory clearing standards. Offering this localized high-value channel vastly optimizes institutional checkout flows, strengthens enterprise merchant reliability, and elevates targeted regional search engine optimization metrics for high-intent corporate financial services.

At a glance

Payment method snapshot

Payment Method: RTGS

Country: 🇮🇩 Indonesia

Currency: IDR

Payment Type: Bank Transfer

Consumer Reach: Total corporate banking sector

Settlement Speed Real-time (Gross Settlement)

Refund Support Yes

Recurring Payments Supported

Chargebacks Applicable

Integration Single API

Start Accepting Payments via RTGS

How it works

Start Accepting RTGS in minutes.

Integrate with Echo Money. Connect to Echo Money through a single API and gain access to 215+ local payment methods including RTGS, global payment rails, and stablecoin infrastructure.

Enable RTGS. Activate RTGS for your business and configure how you want to collect, send, or settle payments in Indonesia without managing multiple local providers.

Start Accepting and Sending Payments. Your customers can immediately begin paying through RTGS via a fully white-labelled experience, while you collect funds, process payouts, and move money seamlessly.

Scale with Built-In Compliance. Echo Money handles compliance requirements, including KYC, KYB, transaction monitoring, and payment operations, helping your business expand into Indonesia without the complexity of managing local payment infrastructure.

Benefits for Businesses
Accepting RTGS in Indonesia

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Increase Conversion Rates with a Familiar Checkout Experience

Customers in Indonesia are more likely to complete a purchase when they see payment methods they already know and trust. By offering RTGS through Echo Money, businesses can create a more localized payment experience, reduce friction during the payment journey, and improve overall conversion rates.

Improve Payment Success Rates

Many local payment methods, including RTGS, are deeply integrated into the financial ecosystem of Indonesia. As a result, they can deliver higher payment acceptance rates compared to international cards that may face issuer declines, authentication issues, or cross-border restrictions.

Reach More Customers in Indonesia

Not every customer in Indonesia prefers to pay with a credit card. Depending on the market, consumers may rely on local bank transfers, digital wallets, QR payments, or domestic payment networks. By supporting RTGS, businesses can access a broader customer base and provide payment options that align with local preferences and purchasing behaviour.

Reduce Cross-Border Complexity

Expanding into Indonesia often requires businesses to navigate local banking infrastructure, payment providers, and settlement processes. Echo Money simplifies this by enabling businesses to accept RTGS through a single integration, removing the need to manage multiple local payment partners while still delivering a localized payment experience.

Build Trust with Local Customers

Trust plays a major role in online payments. Customers are often more comfortable completing a transaction when they recognize the payment method being offered. Because RTGS is widely used in Indonesia, displaying it at checkout can help strengthen customer confidence, reduce hesitation, and create a more familiar payment experience.

Future-Proof Your Payment Strategy

Payment preferences evolve over time, but businesses that offer locally preferred payment methods are often better positioned to adapt to changing customer expectations. By supporting RTGS through Echo Money, companies can build a payment stack that combines local payment acceptance, global reach, and modern settlement infrastructure.

Who uses RTGS in Indonesia?

Businesses across industries use RTGS to offer a more localized payment experience and improve payment performance in Indonesia.

E-commerce Platforms use RTGS to increase checkout conversion rates and reduce payment friction.

Marketplaces rely on RTGS to collect payments from buyers while supporting efficient seller payouts.

Gaming & Digital Businesses leverage RTGS to improve payment acceptance rates and support seamless in-app purchases.

Travel, Fintech, and Global Merchants use RTGS to collect local payments in Indonesia without building country-specific payment infrastructure.

SaaS Companies collecting recurring payments use RTGS to reach customers in Indonesia through familiar and trusted payment methods.

Why do businesses use Echo Money for RTGS?

Echo Money brings RTGS and 215+ local payment methods into a single platform. With one integration, businesses can

streamline payment operations,
access faster transaction confirmation, improve settlement efficiency, and
scale across markets with built-in compliance and global settlement infrastructure.

Single Integration

Enable RTGS through a single API and manage collections, payouts, and settlement alongside 215+ local payment methods.

Built-in Compliance

Accept RTGS with built-in KYC, KYB, transaction monitoring, and compliance controls designed for cross-border payment operations.

Global Settlement

Collect funds through RTGS and settle in local currencies, major global currencies, or stablecoins through a unified settlement infrastructure.

White-label experience

Offer RTGS through a fully branded payment experience while Echo Money powers the infrastructure behind the scenes.

FAQs

Start accepting RTGS payments today

Connect to RTGS through Echo Money and give customers a payment experience they already know and trust.

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