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Build your online store and accept payments easily

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Jakarta during covid
Photo by Afif Kusuma on Unsplash

The implementation of large scale social restriction in response to COVID-19, has had an inevitable impact on retail businesses in both Indonesia and the Philippines. Like many business owners, you might be wondering how to keep your business running when customers are unable to visit your physical stores. Given the situation, it’s the perfect time to bring your business online.

In this article, we will share how you can build your own eCommerce store and simply integrate with Xendit to provide a seamless shopping experience for your customers.  

Xendit, a complete payments platform for businesses

Xendit Team

Xendit is a leading payment gateway for Indonesia, the Philippines and Southeast Asia that helps businesses make payments simple, secure and easy for their customers. With a single integration, enable your business to accept payments in Indonesia and the Philippines with e-Wallets, credit and debit cards, direct debit, retail outlets and more.

We process millions of transactions monthly, helping businesses across e-commerce, marketplaces, gaming, insurance, travel and more. See examples of the awesome companies that Xendit serves here.

Step #1: Set up your e-commerce platform

There are a number of e-Commerce builders you can select from, to set up your online business  In choosing the most suitable ecommerce builder, consider:

  • Scalability
    Every business owner hopes their business scales in the future. You may not need certain features when you first start out, but you will need them to keep up with higher demands as your business grows. Choose a platform that can scale to your business size.
  • Mobile friendliness
    54% of traffic in 2020 is mobile. This means it’s important to look for platforms that allow customers to easily access your website through a mobile device.
  • Pricing and Payments
    Different platforms offer different pricing models. Explore each platform’s monthly fees as well as processing fees. Don’t sacrifice the things you’ll definitely need for a cheaper price.

Popular Ecommerce builder options include Shopify, Sirclo, WooCommerce and Wix. Here’s how these platform compares:


If you already have multiple online stores set up in marketplaces such as Lazada, Tokopedia or Shopee, consider using an omni-channel platform like Jubelio to synchronize your sales order.

You can build your online stores with all of the ecommerce platforms listed above by yourself with enough technical skills, but if you prefer having experts to build a website for your business, consider contacting website/apps development companies such Dekape, Domes or SSDC to help you.

Step #2: Start Accepting Payments Online

With your online store set up, consider how you will be accepting payments from your customers. Payment methods in Indonesia and the Philippines have been moving away from cash on delivery over the past few years, and with the COVID-19 situation, why not take it a step further with learning how to accept other popular digital payment methods?


Top payment methods in Indonesia include e-Wallets by major players – OVO, GoPay and Dana, together with virtual accounts or commonly known as bank transfers. With over 140 banks in Indonesia, integrations are crucial for your business to easily accept and send funds. Cardless credit is also gaining popularity in Indonesia, where customers can make repayment over a period of time. While credit cards are often the preferred choice of international travellers, credit card penetration in Indonesia is less than 5%.

The Philippines

The majority of Filipino population are still under-banked or even unbanked. Cash still dominates most of eCommerce transactions  with cash-on-delivery and Over-the-Counter payments in retail stores such as 7-eleven. Alternative payment methods, such as eWallets are also rising with major players such as GCash and PayMaya are starting to penetrate the market. 

With such a large variety of payment options to choose from, and subsequently integrate with, your choice of 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 seamlessly, eliminating the need to integrate with individual payment channels.

Read more: How do payment gateways work?


Xendit is a PCI DSS compliant organization and we take security very seriously. We provide an inhouse fraud detection system that assesses every credit card transaction for fraud risk and makes a recommendation on the risk level, or even pre-emptively block a payment if it is deemed too risky.


You can integrate Xendit with your eCommerce platform with just a few clicks. Here are the detailed instructions for some of the more popular platforms:

Payment channels

With the various eCommerce platforms integrated with Xendit, you can easily accept payment by your customers. Below are the available payment channels in Indonesia and the Philippines:


  • E-Wallets including OVO, Dana and LinkAja!
  • Virtual Accounts (Bank Transfers) across different banks, without having to maintain multiple bank accounts
  • Credit/Debit Cards with Visa, Master, JCB and AMEX
  • Retail Outlets with cash over the counter payments at Alfamart, Alfamidi, Alfaexpress, Indomaret and Dan+Dan
  • QR codes with QRIS
  • Cardless Credit with Kredivo

The Philippines

  • Credit/Debit Cards with Visa and Master
  • E-Wallets with PayMaya
  • Direct Debit – pull funds directly from your customer’s bank account in BPI or UnionBank
  • Over-the-counter payments via 7-eleven stores

Visit our documentation for more details. 

Read more: Accept major payment method easily with xenpayments

Recurring Invoices
In addition to regular checkout, Xendit offers recurring invoices that help you bill your customers on a recurring basis. Xendit can also send automated reminders for your customers that you can customize based on your need.

Read more: Create, customize & manage invoices with xeninvoice

Integrate 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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