GoPay

What GoPay is

GoPay is a digital wallet for Android and iOS that brings together bank and person-to-person transfers, QRIS payments, bill payments, and other digital transactions. Transfers are described as instant and can be tracked in the app. GoPay advertises transfers to any bank and between GoPay users at no charge for up to 100 transfers per month, subject to terms. Users can pay by QRIS, purchase mobile credit and electricity tokens, and pay bills and game vouchers. Transaction records are automatically grouped into categories to help users follow their spending. Account protections include a PIN, biometrics, and fingerprint verification. GoPay advertises support around the clock and provides call center number 1500729. It says it refunds the original balance amount for losses outside the user's control; GoPay Indonesia also states that it is licensed and supervised by Bank Indonesia. Merchants can use QRIS buat Jualan for static or dynamic QRIS payments, transaction history, an income dashboard, real-time merchant balance information, scheduled withdrawals, and refunds. Merchant transactions can be withdrawn daily to GoPay Tabungan Usaha or a GoPay digital wallet. The app is offered through Google Play and the App Store. The merchant QRIS plan is free, with free registration and no transaction fee for micro businesses.

Who it suits

GoPay suits people in Indonesia who want one mobile app for bank and peer transfers, QRIS purchases, bills, and other digital transactions. Its merchant QRIS offering is relevant to businesses seeking QR payments alongside transaction records, income information, and daily withdrawals.

Limits

GoPay advertises up to 100 free transfers to banks or other GoPay users per month, subject to terms. The QRIS buat Jualan plan lists free, with free registration and no transaction fee for micro businesses.

Getting started

1. Download the GoPay app through Google Play or the App Store.
2. Use the Android or iOS app to access GoPay's wallet services.
3. For merchant QRIS, choose the QRIS buat Jualan plan, which offers free registration.

Verdict

Choose GoPay if you want a mobile wallet combining transfers, QRIS payments, bill services, and transaction tracking. Merchants may find QRIS buat Jualan useful for its payment and withdrawal tools, with the stated no-fee transaction offer limited to micro businesses.