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Midtrans

Midtrans

Indonesian E-Commerce

VS

Alipay

Chinese Consumers

Alipay
Fees from
2.9% + IDR 2,500 per transaction vs Custom
Features

0 shared

3 unique to Midtrans · 2 unique to Alipay
Regions

1 shared

7 unique to Alipay
Pay methods

5 shared

7 unique to Midtrans · 2 unique to Alipay
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
5 features · 14 payment methods · 8 regions. We don't rank these — they're here for reference.
Midtrans Midtrans
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
2.9% + IDR 2,500 per transaction
Custom
Settlement
Time to receive funds
1–2 business days
Next business day
Founded
2012
2004
Headquarters
Jakarta, Indonesia
Hangzhou, China
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Midtrans leads (3 vs 2)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Midtrans leads (12 vs 7)
Alipay Unique
—
✓
Amex Unique
✓
—
Bank Transfer Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet
✓
✓
Direct Debit Unique
✓
—
Google Pay Unique
✓
—
Jcb
✓
✓
Mastercard
✓
✓
Qr Code
✓
✓
Unionpay Unique
—
✓
Virtual Account Unique
✓
—
Visa
✓
✓
Regions
Alipay leads (8 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia
✓
✓

Midtrans is best when you...

Indonesian E-Commerce
Need Instant Sandbox
Not available with Alipay
Need Recurring Payments
Not available with Alipay
View Midtrans

Alipay is best when you...

Chinese Consumers
Need Enterprise
Not available with Midtrans
Need Instant Payout
Not available with Midtrans
Want coverage in Africa, Asia, Europe, Latin America, Middle East, North America, Oceania
Midtrans doesn't cover these regions
View Alipay

Frequently Asked Questions

What is the difference between Midtrans and Alipay?
They share 5 payment methods and 1 region. Midtrans adds Amex, Bank Transfer, Credit Card and 4 more that Alipay does not list; Alipay adds Alipay, UnionPay that Midtrans does not list; Alipay also covers Africa, Asia and 5 more; only Midtrans offers Instant Sandbox, Recurring Payments and 1 more.
Which is cheaper, Midtrans or Alipay?
Midtrans has published rates from 2.9% + IDR 2,500 per transaction; Alipay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Midtrans and Alipay?
Midtrans lists 1 region and 12 payment methods; Alipay lists 8 and 7. both cover Southeast Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Midtrans and Alipay compare on integration and settlement?
both offer a sandbox; both support webhooks; Midtrans settles in 1–2 business days, Alipay in Next business day.

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