specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Midtrans
providerId: midtrans
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Payment Gateway
- Indonesia
- Fintech
- Plans
description: >-
  Midtrans does not sell API access tiers - the API, Sandbox, dashboard,
  onboarding, and integration are free, and there is no setup or monthly platform
  fee. Midtrans monetizes per successful transaction, with the fee varying by
  payment method (a percentage, a flat IDR amount, or both). The "plans" below
  are therefore the pricing buckets by payment method rather than subscription
  tiers. Exact rates are indicative and Value-Added Tax (VAT) applies to most
  methods; verify current figures on the Midtrans pricing page during
  reconciliation.
notes: >-
  Sandbox is free and unmetered for integration testing. Production per-transaction
  rates are set on the account and can be negotiated at volume, so the numbers here
  are representative published list rates, not a reconciled contract. QRIS, GoPay,
  and ShopeePay fees are quoted VAT-inclusive; card and virtual-account fees are
  quoted exclusive of VAT.
sources:
- https://midtrans.com/pricing
- https://docs.midtrans.com/docs/pricing
- https://docs.midtrans.com/docs/how-much-does-midtrans-charge-for-its-payment-service
- https://docs.midtrans.com/docs/what-is-the-applicable-transaction-fee-for-qris
plans:
- id: midtrans-sandbox
  name: Sandbox
  type: free
  description: >-
    Full API and dashboard access against the sandbox environment
    (api.sandbox.midtrans.com, app.sandbox.midtrans.com) for building and testing
    every payment method with no charge.
  entries:
  - label: Sandbox Transactions
    name: sandbox_transactions
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: free
    userMultiplied: false
  elements:
  - name: All Payment Methods
  - name: Snap and Core API
  - name: Iris Disbursement Sandbox
- id: midtrans-cards
  name: Credit / Debit Card
  type: usage
  description: >-
    Per-transaction fee for card payments (Visa, Mastercard, JCB, Amex) including
    3DS, one-click/two-click, and installment flows.
  entries:
  - label: Card Transaction Fee
    name: card_fee
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: id
    unit: 1
    price: approx 2.9% + IDR 2,000 per transaction (excl. VAT)
    userMultiplied: false
  elements:
  - name: 3D Secure
  - name: Installment
  - name: One-Click / Two-Click
- id: midtrans-ewallet
  name: E-Wallet (GoPay / ShopeePay / QRIS)
  type: usage
  description: >-
    Per-transaction fee for e-wallet and QR payments. QRIS is charged at the
    regulated MDR; GoPay and ShopeePay at a percentage of the transaction.
  entries:
  - label: GoPay / ShopeePay Fee
    name: ewallet_fee
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: id
    unit: 1
    price: approx 2% per transaction (VAT-inclusive)
    userMultiplied: false
  - label: QRIS Fee
    name: qris_fee
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: id
    unit: 1
    price: approx 0.7% per transaction (VAT-inclusive)
    userMultiplied: false
  elements:
  - name: GoPay
  - name: ShopeePay
  - name: QRIS
- id: midtrans-bank-transfer
  name: Bank Transfer / Virtual Account
  type: usage
  description: >-
    Flat per-transaction fee for virtual account bank transfer (Permata, BCA,
    BNI, BRI, Mandiri Bill) and over-the-counter (Indomaret, Alfamart).
  entries:
  - label: Virtual Account Fee
    name: va_fee
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: id
    unit: 1
    price: approx IDR 4,000 flat per transaction (excl. VAT)
    userMultiplied: false
  elements:
  - name: Permata / BCA / BNI / BRI VA
  - name: Mandiri Bill (echannel)
  - name: Over-the-Counter (Indomaret / Alfamart)
- id: midtrans-disbursement
  name: Iris Disbursement
  type: usage
  description: >-
    Per-payout fee for disbursing funds to bank accounts and e-wallets via the
    Iris (Payouts) API.
  entries:
  - label: Payout Fee
    name: payout_fee
    type: usage
    metric: payout
    limit: -1
    timeFrame: transaction
    geo: id
    unit: 1
    price: flat per-payout fee (see pricing page)
    userMultiplied: false
  elements:
  - name: Bank Payout
  - name: E-Wallet Payout
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com