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Accept payments faster for your Instagram store

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Indonesia has 62 million Instagram users spending an average 3.5 hours a day scrolling through their feeds. However, Instagram is not designed as a store. Most IG sellers run businesses manually, collecting payments via 1 bank account. Up to 50% of customers cancel their purchases if not provided with their preferred method.  Are you losing customers? We can help!

In this article, we’re going to show you how you can start accepting all payment methods with Xendit by sending a simple link to your customers through WhatsApp, Facebook, LINE and more.

You’ll learn:

  • How to collect money online even if you don’t have a website
  • Free tools to send invoices via a link you can simply paste and share

A quick introduction to online payments

Xendit allows you to accept online payments from your customers wherever they are, e.g. from Jakarta, Medan or Singapore. 

Payment Methods Xendit

Your customers can pay you with:

  • Bank transfers – your customers can pay into Big 4 banks, this means no transfer fees no matter what bank they are using
  • e-Wallets – any of Indonesia’s major e-Wallets
  • Card – debit and credit cards from all over the world
  • Retail outlet – Alfamart or Indomaret

Once a customer pays you and the funds are received, you instantly get an email notification, or see the balance on your Xendit dashboard. You can then withdraw funds to any of your bank accounts.


Xendit processes millions of transactions every month for customers like Traveloka, Tiket and Samsung. Xendit is PCI DSS Level 1 compliant (the highest certification in the world) so we go to extreme lengths to keep you and your customers safe.  


Xendit only makes money when you do. We charge a small fee for each transaction where your customer pays you, while you can use our invoices absolutely free. 

Accept payments faster

Step 1: Create a Xendit account

It’s free to create a Xendit account and takes about 30 minutes – from start to finish:

Once you’ve created your account, you’ll need to activate your account based on your entity. Don’t worry, you can accept most payment methods even if your business isn’t registered yet.

Step 2: Create your first payment link

We support two types of payment links:


Inside your dashboard, go to the “Invoices” tab under “Accept Payments”. Click the “Create” button in the top right and generate an invoice. 

Create invoice from your dashboard

Simply fill out a unique invoice number, email address, due date, amount, and description. If you want us to send a notification and confirmation email to your customer, click “Send Invoice to this Email”.

Fill Invoice Details

On Demand

Inside your dashboard, go to the “On Demand” tab under “Accept Payments”. Click “Create On Demand” button in the top right.

On demand invoice

Simply fill out a unique link name, the price, the maximum number of units you want to sell, and a description of the item. We’ll automatically send customers an email.

Fill in on demand details

Step 3: Share the payment link to your customer and get paid!

Sharing an Invoice
After you create your invoice, you’ll see that a link has been created. It will look something like this:  

invoice link

Copy that link and send it to your customer, via Instagram’s direct messages, WhatsApp, LINE and any other favourite messaging app. Your customer can pay through all the payment methods available and turned on. You can also check the invoice anytime by using the same link. 

When your customer clicks the link, your customer can choose their preferred payment method to pay you with. So, sit back and relax while your payment is processed to your account.

Sharing an On Demand link
After you create your On Demand, you’ll see that a link has been created. It will look something like this: 

payment link

You can then put that link anywhere – on your website, in your Instagram bio, wherever you want to sell your product.

Sample instagram payment link

Step 4: Activate your account to for live transactions

Once you’re ready to create real transactions, you’ll need to activate your account based on your entity to do real transactions. Don’t worry, you can accept most payment methods even if you don’t have a registered legal entity. The application takes less than 20 minutes, and you can be live within a few working days.

We’re here to help

For many businesses, accepting payments online is new territory, but we’re here to help. We have helped 1000s of businesses come online. If you have any questions, we’re eager to help! You can contact us via live chat when you’re logged into your account.  

Find out more about Xendit, or sign up to try our dashboard today! 

Learn more about payments in Indonesia

Understanding the opportunities and challenges of the local market is key to staging an effective entrance.

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