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Atm Bersama for Shopify merchants targeting Indonesia

Increase Indonesia checkout conversion with Atm Bersama

Atm Bersama allows Shopify merchants to reach consumers in Indonesia through a widely recognized bank transfer method.

Built for stronger local trust and smoother checkout in Indonesia.

As a bank transfer method, Atm Bersama is well-suited for the Indonesian market. It supports full and partial refunds, providing flexibility for merchants and consumers. However, it does not offer recurring payment or one-click checkout features.

IndonesiaBank TransferRefund Support
Atm Bersama payment method guide for Shopify merchants targeting ID

Trusted Indonesia Payment Method

Indonesia focusLocal favouriteHigh conversion in Indonesia

Payment Method Details

Market Fit

Primary marketIndonesia
Consumer currencyIDR
Merchant availabilityIndonesia

Capabilities

Refund supportSupports full and partial refunds.
Recurring supportNot supported
Settlement currencyIDR

Indonesia focus

Strong local relevance for merchants targeting Indonesia.

Standard coverage

Standard payment coverage without an additional assurance layer.

Secure authentication

Uses a secure flow to complete the customer payment step.

Bank Transfer positioning

Bank Transfer with strong domestic checkout fit for Indonesia.

PCI-aware payment infrastructure
Secure bank authentication
No unnecessary card-detail exposure

Conversion insight

Why Atm Bersama can improve local checkout performance

A local payment method can remove hesitation at the final payment step. For merchants selling into Indonesia, the gain is usually less about adding another button and more about matching buyer expectation, pricing context, and local checkout trust.

Market fit

Indonesia

Designed for local checkout familiarity in Indonesia.

Currency readiness

IDR

Supports local pricing expectations and payment operations.

Checkout confidence

Standard

Built to reduce friction and improve payment trust at the final step.

Payment stack strategy

Local + global balance

The strongest setup usually combines a trusted local method with broader international coverage. For Indonesia, that often means leading with Atm Bersama while keeping cards and PayPal available for wider buyer preference coverage.

Atm BersamaBank Transfer IndonesiaLocal Payment Id

What Atm Bersama is

Atm Bersama is a bank transfer network in Indonesia.

Atm Bersama is a popular bank transfer method in Indonesia, providing a reliable payment option for local consumers.

It is integrated with various banks across Indonesia, making it accessible for a large number of users.

Local Reach

Widely used in Indonesia, connecting multiple banks.

Refund Flexibility

Supports both full and partial refunds.

Simple Integration

Easily integrated into Shopify stores targeting Indonesian consumers.

Why Atm Bersama matters

Atm Bersama is crucial for merchants focusing on the Indonesian market.

Market Penetration

Access a large consumer base in Indonesia.

Consumer Trust

Leverage a trusted local payment method.

Refund Capabilities

Offer flexible refund options to customers.

Bank Network

Connects with multiple banks, enhancing accessibility.

How Atm Bersama works

The payment flow involves a straightforward bank transfer process.

1

Customer selects the method

The customer chooses Atm Bersama during checkout.

2

Customer initiates transfer

The customer uses their bank to initiate the transfer.

3

Bank processes payment

The customer's bank processes the transfer to the merchant's account.

4

Merchant receives confirmation

The merchant receives confirmation of the payment.

When to use Atm Bersama

Atm Bersama is best for merchants targeting the Indonesian market.

Ideal scenarios

  • Indonesian consumers
  • Merchants needing refund support
  • Businesses without recurring payment needs

Not ideal

  • Merchants needing recurring or subscription-based billing
  • Checkouts requiring a one-click saved-payment-method flow

Merchant considerations

Merchants should consider the following before enabling Atm Bersama.

Market Focus

Primarily serves the Indonesian market.

Feature Limitations

Lacks recurring and one-click payment features.

Refund Support

Offers full and partial refunds.

Integration Ease

Simple integration with Shopify for Indonesian stores.

Consumer Familiarity

Widely recognized and trusted by local consumers.

Compare Atm Bersama with common alternatives

Atm Bersama is the best choice when local checkout fit in Indonesia matters more than generic international coverage.

MethodBest for
Atm BersamaBest choice
Indonesia local sales
Bank Transfer Indonesia
Bank Transfer Indonesia coverage
Local Payment Id
Local Payment Id coverage

Integration pathway

Enable via your processor

Add the method through your payment service provider or processor configuration.

Connect it to Shopify checkout

Configure the Shopify-compatible payment flow so customers can see the method at checkout.

Optimise with CartDNA

Use CartDNA to prioritise local relevance, compare payment fit, and improve checkout performance.

Popular questions

Frequently asked questions about Atm Bersama for Shopify

What is Atm Bersama on Shopify?
Atm Bersama is a bank transfer payment method available to Shopify merchants targeting the Indonesian market.
Who should offer Atm Bersama?
Merchants targeting Indonesian consumers who prefer bank transfers should offer Atm Bersama.
Does Atm Bersama support recurring payments?
No, Atm Bersama does not support recurring payments.
Does Atm Bersama support one-click checkout?
No, Atm Bersama does not support one-click checkout.
What should merchants review before enabling Atm Bersama?
Merchants should ensure their target market is Indonesia and consider the lack of recurring and one-click payment features.

Increase Indonesia conversions with Atm Bersama

Enable local payments and reduce checkout drop-off.

Atm Bersama is an essential payment method for reaching Indonesian consumers. By integrating it into your Shopify store, you can offer a trusted local payment option. CartDNA assists in seamlessly adding Atm Bersama to your payment mix, enhancing your store's appeal to the Indonesian market. Start optimising in minutes with your existing Shopify setup.