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Bring Your Groceries Business Online

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Bring your groceries business online Xendit
Photo by Ethan Feng on Unsplash

Online groceries stores in Indonesia have been enjoying steady growth over the last few years. According to Nielsen’s research in 2018, 24% of Indonesian online shoppers purchased fresh groceries online, a 2% increase from the previous year. Physical distancing measures related to Covid-19 outbreak are expected to further boost the growth as retail shoppers turn to online grocery shopping for household items.

This opens a new opportunity for you to boost your growth and grocery business to set up a digital presence. In this article, we’re going to share how to move your grocery business online.

You’ll learn:

  • How to collect payments from your customer online
  • Free tools to help your business grow

You can also consider setting up an Instagram account or an e-commerce store to show photos of your fresh produce and product selection better. Check out our article about how to accept payments faster for your Instagram store.

A quick introduction to online payments

Accepting payment is a major pain point for online grocery stores. While Cash on Delivery (COD) had been the default option in the past, recent trends had shown that Indonesian population is moving away from the traditional method. Digital payment methods, including e-wallets, virtual account and credit/debit cards had gained traction among the country’s 260 million population.

With such a large variety of payment options to choose from, integrating with a Payment Gateway is key to helping your team and business start accepting payments fast and simply. Integrate with a Payment Gateway like Xendit to access a wide variety of available payment options, including:

  • Bank transfers – your customers can pay into Big 4 banks meaning no transfer fees no matter what bank they are using
  • Cards – debit and credit cards from all over the world
  • eWallets – any of the Indonesia’s major eWallets
  • Retail outlet – Alfamart or Indomaret
  • QR codes
Payment Methods Xendit

Once a customer pays you and the funds are received, you instantly see the balance on your Xendit dashboard, which you can access from your phone/computer.  You can then withdraw this to any of your bank accounts.


No more tracking receipts. We can send both you and your customer an email confirmation at the moment of payment, so that you can focus on your business, instead of on accounting.


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. See our prices here.

Collecting Payment from Your Customers

Step 1: Create a Xendit account

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

Registration page

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 link.

Step 2a: Create your first invoices

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, check the “Send Invoice to this Email” box.

Fill Invoice Details

Step 2b: Create your first 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 status 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 in less than a day.

Free tools to help your business grow

Easily monitor transactions live

Xendit helps your business streamline accounting processes by collecting your transaction history on your dashboard. 

  • Get instant notifications when you got paid
  • Access your transaction history on a centralized dashboard, with daily reconciliation for visibility and easy reporting.

Send Money to Partners

Processing payments instantly to business partners such as suppliers, storage or delivery services providers is important in maintaining relationships. In addition to our money in services, Xendit also helps your business send funds to your business partners. No technical or coding skills required, simply upload an excel file from your Xendit dashboard. We can disburse funds for you 24/7, even on weekends and public holidays, 

Xendit’s batch disbursement product allows you to send up to 10,000 transfers at a time and is equipped with a bank account validation feature that automatically validates transaction details to check for errors to pre-empt wrong or failed disbursements.

Get Started with Xendit now

Accepting payment methods preferred by your customers can help to increase conversion and revenue for your business. With Xendit, easily enable payment methods such as e-Wallets, virtual accounts (bank transfers), credit / debit cards, retail outlets and even cardless credit. Get started fast with no set up or monthly fees.

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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