{"id":5044,"date":"2026-08-28T18:32:32","date_gmt":"2026-08-28T11:32:32","guid":{"rendered":"https:\/\/biteship.com\/blog\/?p=5044"},"modified":"2026-08-31T18:45:12","modified_gmt":"2026-08-31T11:45:12","slug":"payment-gateway-untuk-shopify-dan-woocommerce","status":"publish","type":"post","link":"https:\/\/biteship.com\/blog\/payment-gateway-untuk-shopify-dan-woocommerce\/","title":{"rendered":"Payment Gateway Indonesia untuk Shopify &#038; WooCommerce: Midtrans, Xendit, atau DOKU?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Customer sudah memilih produk, memasukkan alamat, dan sampai di halaman checkout. Namun, metode pembayaran yang biasa mereka gunakan tidak tersedia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pada tahap ini, persoalannya bukan lagi kualitas produk atau desain website. Friction terjadi tepat sebelum transaksi selesai.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Karena itu, toko Shopify dan WooCommerce yang melayani konsumen Indonesia perlu mempertimbangkan metode pembayaran lokal seperti QRIS, virtual account, e-wallet, kartu, hingga PayLater atau cicilan sesuai karakter pelanggannya.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tidak berarti semakin banyak metode pembayaran selalu semakin baik. Merchant tetap perlu mempertimbangkan biaya, settlement, refund, rekonsiliasi, sampai kompleksitas pengelolaan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Midtrans, Xendit, dan DOKU merupakan beberapa payment gateway Indonesia yang saat ini menyediakan integrasi untuk Shopify dan WooCommerce. Ketiganya memiliki pendekatan dan cakupan pembayaran yang berbeda, sehingga pilihan terbaik perlu mengikuti kebutuhan toko Anda.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Key Takeaways<\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Jangan memilih payment gateway hanya berdasarkan fee transaksi. Periksa metode pembayaran, integrasi, settlement, refund, rekonsiliasi, dan technical support.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Shopify dan WooCommerce memiliki pertimbangan biaya yang berbeda. Pada Shopify, third-party payment provider dapat memunculkan transaction fee tambahan dari Shopify di luar biaya gateway.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment dan shipping perlu dirancang sebagai satu checkout flow. Setelah pembayaran berhasil, order masih harus diteruskan ke proses fulfillment, pemilihan kurir, resi, dan tracking.<\/span><\/li>\n<\/ol>\n<h2><span style=\"font-weight: 400;\">Apa yang Perlu Dimiliki Payment Gateway untuk Toko Indonesia?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Sebelum membandingkan provider, tentukan metode pembayaran yang benar-benar dibutuhkan customer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Untuk toko online Indonesia, beberapa kategori yang umum dipertimbangkan antara lain:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">QRIS<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Virtual account<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">E-wallet<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kartu kredit atau debit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PayLater<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cicilan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retail outlet<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Direct debit<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Tidak semua bisnis membutuhkan semuanya.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Brand dengan average order value relatif kecil mungkin lebih mengutamakan QRIS, VA, dan e-wallet. Sebaliknya, bisnis dengan produk bernilai tinggi dapat lebih membutuhkan kartu kredit, PayLater, atau cicilan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Selain payment coverage, evaluasi juga:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Shopify atau WooCommerce integration<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment notification<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refund<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Settlement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dashboard dan reconciliation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sandbox<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dokumentasi<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customer support<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fraud prevention<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pricing<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Midtrans untuk Shopify dan WooCommerce<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Midtrans merupakan payment gateway Indonesia yang menyediakan berbagai metode pembayaran, termasuk transfer bank, kartu, QRIS, e-wallet, serta opsi PayLater seperti Akulaku dan Kredivo. Midtrans juga menyediakan API dan plugin yang kompatibel dengan Shopify dan WooCommerce.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Integrasi dengan Shopify<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Dokumentasi resmi Midtrans menyediakan panduan integrasi Snap untuk Shopify. Merchant perlu memiliki akun Midtrans dan toko Shopify, kemudian menghubungkan konfigurasi pembayaran sesuai panduan Midtrans. Sandbox juga dapat digunakan untuk proses testing sebelum production.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Artinya, merchant Shopify tidak perlu membuat payment processing sendiri dari nol.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Namun, selalu periksa kembali ketersediaan provider melalui menu pembayaran Shopify karena Shopify menyarankan merchant menggunakan daftar payment gateway berdasarkan negara sebagai sumber terkini mengenai provider yang tersedia.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Integrasi dengan WooCommerce<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Untuk WooCommerce, Midtrans menyediakan plugin yang dapat di-install melalui WordPress. Merchant kemudian memasukkan Merchant ID, Client Key, Server Key, serta menentukan environment sandbox atau production.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ini membuat Midtrans relevan untuk merchant yang membutuhkan:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment gateway lokal<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Shopify maupun WooCommerce<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">API jika nantinya membutuhkan integrasi custom<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sandbox<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Beberapa metode pembayaran dalam satu provider<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Untuk versi WordPress, WooCommerce, dan plugin yang digunakan, tetap periksa compatibility terbaru sebelum deployment.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Xendit untuk Shopify dan WooCommerce<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Xendit menyediakan payment infrastructure yang mencakup QRIS, e-wallet, virtual account, kartu, direct debit, retail outlet, dan PayLater. Xendit juga memiliki integrasi untuk platform e-commerce seperti Shopify dan WooCommerce.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Integrasi dengan Shopify<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Untuk Shopify, Xendit menyediakan Xendit Payment Gateway yang dapat dipasang melalui alur integrasi Shopify.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dokumentasi resminya menjelaskan workflow:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Xendit Dashboard \u2192 Integrations \u2192 Shopify \u2192 Install \u2192 Shopify payment settings \u2192 Activate Xendit Payment Gateway<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Untuk merchant Indonesia, channel Shopify yang didokumentasikan Xendit mencakup QRIS, beberapa virtual account, e-wallet, retail outlet, dan PayLater.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Namun, jangan berasumsi bahwa seluruh metode pembayaran otomatis aktif setelah plugin dipasang. Ketersediaannya dapat bergantung pada negara, currency, aktivasi merchant, serta approval masing-masing channel.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Integrasi dengan WooCommerce<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Xendit juga menyediakan plugin WooCommerce &#8211; Xendit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Merchant dapat mencarinya melalui WordPress:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Plugins \u2192 Add New \u2192 WooCommerce &#8211; Xendit \u2192 Install \u2192 Connect to Xendit<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Setelah akun dihubungkan, metode pembayaran dapat dikonfigurasi sesuai channel yang sudah aktif pada merchant.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Xendit relevan untuk bisnis yang ingin mempertimbangkan:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Shopify dan WooCommerce integration<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">QRIS<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Virtual account<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">E-wallet<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kartu<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PayLater<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment notification<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dashboard reconciliation<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Xendit juga mempublikasikan pricing berdasarkan payment channel secara terpisah. Karena struktur ini dapat berubah, gunakan halaman pricing terbaru saat menghitung biaya transaksi.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">DOKU untuk Shopify dan WooCommerce<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">DOKU saat ini menyediakan plugin pembayaran untuk Shopify, WooCommerce, dan Magento serta mempublikasikan dukungan lebih dari 45 metode pembayaran.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kategori pembayarannya mencakup:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kartu<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Virtual account<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">QRIS<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">E-wallet<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimarket<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PayLater<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Direct debit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Beberapa metode pembayaran internasional<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Integrasi dengan Shopify<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Dokumentasi DOKU menjelaskan tiga tahap utama:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Install DOKU Payment App pada Shopify.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Konfigurasikan aplikasi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Atur payment notification pada DOKU Dashboard.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Merchant juga dapat menggunakan DOKU Sandbox untuk testing integrasi sebelum memproses transaksi production.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Integrasi dengan WooCommerce<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Untuk WooCommerce, DOKU menyediakan plugin DOKU Payment yang dapat dicari melalui WordPress Plugin Directory.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Setelah instalasi, merchant mengaktifkan konfigurasi DOKU melalui:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">WooCommerce \u2192 Settings \u2192 Payments<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kemudian merchant dapat menggunakan Sandbox Client ID dan Secret Key untuk testing sebelum beralih ke production.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">DOKU mempublikasikan plugin Shopify dan WooCommerce sebagai bagian dari produknya dan menampilkan pricing plugin serta payment method secara terpisah pada halaman harga.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Perbandingan Midtrans, Xendit, dan DOKU<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Tabel berikut merupakan framework evaluasi, bukan ranking kualitas ketiga provider.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Faktor<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Midtrans<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Xendit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">DOKU<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Shopify<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Didukung<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Payment Gateway App<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Payment App<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">WooCommerce<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Plugin<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Plugin<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Plugin<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">QRIS<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Virtual Account<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">E-wallet<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Kartu<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">PayLater<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Tersedia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Tersedia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Tersedia<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Sandbox\/testing<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">API untuk custom integration<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Dashboard transaksi<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ya<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cocok untuk<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Merchant yang membutuhkan payment stack lokal dan API<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Merchant dengan kebutuhan multi-channel\/payment infrastructure<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Merchant Shopify\/WooCommerce yang mencari plugin dengan cakupan payment luas<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Ketersediaan channel spesifik dapat berubah dan beberapa metode membutuhkan proses aktivasi tambahan. Karena itu, verifikasi metode yang benar-benar aktif untuk akun Anda sebelum go-live.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Jangan Bandingkan Fee dari Satu Angka Saja<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Kesalahan umum ketika memilih payment gateway adalah bertanya:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cBerapa fee per transaksi?\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pertanyaan tersebut penting, tetapi belum lengkap.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Biaya dapat berbeda berdasarkan:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">QRIS<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Virtual account<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">E-wallet<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kartu<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PayLater<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">International card<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refund<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Settlement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Plugin<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Volume transaksi<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Karena struktur harga dapat berubah, artikel ini sengaja tidak menggunakan satu angka sebagai dasar menentukan provider termurah.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Periksa langsung halaman pricing resmi:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Midtrans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Xendit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DOKU<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Kemudian buat simulasi berdasarkan payment mix bisnis Anda.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Misalnya:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Metode<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Share Transaksi<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Fee Provider<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Estimasi Biaya<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">QRIS<\/span><\/td>\n<td><span style=\"font-weight: 400;\">40%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Isi berdasarkan proposal<\/span><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Virtual Account<\/span><\/td>\n<td><span style=\"font-weight: 400;\">30%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Isi berdasarkan proposal<\/span><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">E-wallet<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Isi berdasarkan proposal<\/span><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Kartu \/ PayLater<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Isi berdasarkan proposal<\/span><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Provider dengan tarif paling rendah pada virtual account belum tentu menghasilkan total biaya terendah jika mayoritas customer menggunakan QRIS atau e-wallet.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Khusus Shopify, Perhatikan Third-Party Transaction Fee<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ini bagian yang cukup mudah terlewat.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Shopify menjelaskan bahwa penggunaan third-party payment provider dapat dikenakan third-party transaction fee dari Shopify. Besarnya mengikuti Shopify plan dan berada di luar payment processing fee yang ditagihkan gateway.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Artinya, perhitungan Shopify sebaiknya menggunakan:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Total payment cost = payment gateway fee + Shopify third-party transaction fee + biaya lain yang relevan<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jangan hanya menggunakan tarif yang tertera pada website payment gateway.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Untuk WooCommerce, lakukan perhitungan serupa terhadap seluruh komponen yang berlaku, seperti gateway fee, plugin berbayar jika ada, hosting, maintenance, atau biaya development.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Cara Memilih Payment Gateway yang Tepat<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">1. Lihat Payment Mix Customer<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Mulai dari data, bukan asumsi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jika website lama sudah memiliki transaksi, lihat proporsi:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank transfer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">QRIS<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">E-wallet<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Card<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PayLater<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Prioritaskan channel yang benar-benar digunakan customer.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Perhatikan Average Order Value<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Produk Rp100 ribu dan produk Rp10 juta memiliki kebutuhan pembayaran yang berbeda.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pada transaksi bernilai tinggi, kartu dan cicilan dapat menjadi lebih relevan. Untuk transaksi kecil dan cepat, QRIS atau e-wallet dapat menjadi prioritas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ini bukan aturan universal. Validasi menggunakan data checkout bisnis.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Uji Checkout di Mobile<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Jangan hanya melihat dashboard merchant.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lakukan transaksi seperti customer:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Product \u2192 Cart \u2192 Checkout \u2192 Pilih pembayaran \u2192 Bayar \u2192 Success page<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Periksa:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apakah terjadi redirect?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apakah mobile experience mudah?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Berapa langkah pembayaran?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apakah status order berubah otomatis?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apa yang terjadi jika pembayaran gagal?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bagaimana customer mencoba kembali?<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">4. Periksa Settlement dan Rekonsiliasi<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Finance team juga akan menggunakan payment gateway.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tanyakan:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kapan dana diselesaikan?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apakah settlement berbeda per channel?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apakah tersedia transaction export?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bagaimana refund ditampilkan?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bagaimana fee direkonsiliasi?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apakah webhook\/payment notification reliable?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Gateway yang nyaman bagi developer tetapi sulit direkonsiliasi finance tetap dapat menciptakan pekerjaan manual.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">5. Evaluasi Technical Support<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ketika payment gagal, dampaknya langsung pada transaksi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tanyakan:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Support channel<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Jam operasional<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Technical escalation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Incident communication<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sandbox support<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SLA untuk enterprise jika tersedia<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Jangan hanya menilai response sales sebelum kontrak.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Payment dan Shipping Harus Dirancang Bersamaan<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Payment gateway menyelesaikan satu bagian checkout:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Customer \u2192 Payment \u2192 Paid Order<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Setelah itu masih ada:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Paid Order \u2192 Shipping Rate \u2192 Fulfillment \u2192 Courier \u2192 Resi \u2192 Tracking<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Karena itu, ketika developer membangun Shopify atau WooCommerce, payment dan shipping sebaiknya dirancang sebagai satu customer journey.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Untuk pengiriman, Biteship menyediakan plugin yang menghubungkan toko Shopify dan WooCommerce dengan berbagai ekspedisi Indonesia. Plugin Biteship dapat menampilkan ongkir di checkout, mengelola pilihan multi-kurir, serta menyediakan tracking setelah order dikirim.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Strukturnya dapat menjadi:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Shopify \/ WooCommerce<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2193<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Payment Gateway<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Midtrans \/ Xendit \/ DOKU<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2193<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Order Paid<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2193<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Biteship Shipping Plugin<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2193<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Courier + Resi + Tracking<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Payment gateway dan Biteship memiliki fungsi berbeda. Payment gateway menangani pembayaran, sedangkan Biteship menangani layer pengiriman.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kombinasi keduanya membantu merchant membangun checkout dan post-purchase flow yang lebih lengkap tanpa membuat integrasi payment dan setiap kurir secara terpisah.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Checklist Sebelum Memilih Payment Gateway<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Gunakan checklist ini ketika berbicara dengan provider:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mendukung QRIS.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mendukung virtual account bank yang dibutuhkan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mendukung e-wallet yang relevan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kartu tersedia jika dibutuhkan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PayLater atau cicilan tersedia jika dibutuhkan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Shopify atau WooCommerce integration tersedia.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sandbox dapat digunakan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment notification sudah terdokumentasi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refund workflow sesuai kebutuhan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Settlement sudah dipahami finance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dashboard dan reconciliation tersedia.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Total transaction fee sudah disimulasikan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biaya Shopify pihak ketiga sudah dihitung jika relevan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Technical support sudah dievaluasi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Failure dan retry payment sudah diuji.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Checkout mobile sudah diuji sebelum go-live.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Kesimpulan<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Midtrans, Xendit, dan DOKU sama-sama menyediakan solusi pembayaran yang dapat dipertimbangkan oleh merchant Shopify dan WooCommerce di Indonesia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Midtrans menyediakan plugin dan integrasi e-commerce bersama berbagai metode pembayaran lokal. Xendit memiliki Shopify Payment Gateway dan WooCommerce plugin dengan pilihan payment channel yang luas. DOKU menyediakan plugin Shopify dan WooCommerce serta mempublikasikan dukungan lebih dari 45 metode pembayaran.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pilihan terbaik tidak bisa ditentukan dari jumlah metode pembayaran atau headline fee saja.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bandingkan berdasarkan payment mix customer, average order value, checkout experience, settlement, refund, integrasi, support, dan total biaya aktual untuk bisnis Anda.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Setelah sisi pembayaran selesai, jangan biarkan proses checkout terputus di pengiriman.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Biteship menyediakan<\/span><a href=\"https:\/\/biteship.com\/id\/produk\/plugin\/shopify\"> <span style=\"font-weight: 400;\">Shipping Plugin untuk Shopify<\/span><\/a><span style=\"font-weight: 400;\"> serta<\/span><a href=\"https:\/\/biteship.com\/id\/produk\/plugin\"> <span style=\"font-weight: 400;\">plugin pengiriman untuk Shopify dan WooCommerce<\/span><\/a><span style=\"font-weight: 400;\"> agar toko dapat menampilkan pilihan ongkir, menghubungkan berbagai ekspedisi, dan memberikan tracking kepada pelanggan melalui workflow yang lebih terintegrasi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lengkapi checkout toko Anda dari pembayaran sampai pengiriman dengan Biteship Shipping Plugin.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bandingkan payment gateway Indonesia untuk Shopify dan WooCommerce seperti Midtrans, Xendit, dan DOKU dari metode pembayaran, integrasi, biaya, dan dukungan.<\/p>\n","protected":false},"author":1,"featured_media":5045,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-5044","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bisnis"],"acf":[],"yoast_head":"<!-- This site is optimized with 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