Indonesia Payments (Midtrans Snap — GoPay / QRIS / Alfamart / bank VA)

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by junter1989k-ai · JavaScript

Indonesia payments for AI agents — GoPay, QRIS, Alfamart, bank VA via Midtrans. Never holds funds.

This MCP server provides Indonesia payments support for AI agents, covering GoPay, QRIS, Alfamart, and bank virtual accounts via Midtrans. It is described as never holding funds. Credential handling is noted as using HTTP headers on each request rather than being stored.

🛠️ Key Features

Indonesia payment methods: GoPay, QRIS, Alfamart
Bank VA support via Midtrans
Credential delivery via HTTP headers per request
No fund custody (never holds funds)

🚀 Use Cases

Enable AI agents to receive payments in Indonesia
Integrate Midtrans-based payment flows into an MCP-enabled agent

⚡ Developer Benefits

Works with any MCP-capable agent (example clients referenced: Claude Desktop, Cursor, Windsurf)
Server endpoint: https://mcp-id.wishpool.app/mcp

⚠️ Limitations

Funds are not held by the server (implies client-side custody/processing elsewhere)
Credentials are required when needed, sent as per-request HTTP headers

Topics

ai-agentsgopayindonesiamcpmcp-servermidtranspaymentsqrisai-agentclaudewishpool

Captured live from the server via tools/list.

create_payment_link

Create an Indonesia payment link in IDR via Midtrans Snap, a major Indonesian payment gateway. Buyer pays with GoPay, QRIS, ShopeePay, DANA, credit card, bank transfer virtual account (BCA/BNI/BRI/Permata/Mandiri VA), or at Alfamart / Indomaret convenience stores. Returns a hosted checkout URL (Snap page) the buyer opens to pay — payment completes automatically, no confirm step. Bring your own Midtrans server key via the x-midtrans-server-key header (free sandbox keys from dashboard.midtrans.com; SB-Mid-server- keys never move real money). Money always flows buyer→Midtrans→merchant; this service never touches funds.

Parameters7

amount	integer	required	Amount in IDR (integer, e.g. 150000 = Rp 150,000)
order_name	string	required	What this payment is for (shown to the buyer as the item name, ≤50 chars)
enabled_payments	array	optional	Restrict payment methods shown to the buyer, e.g. ["gopay","qris"] or ["alfamart","indomaret"]. Common values: gopay, qris, shopeepay, dana, credit_card, bca_va, bni_va, bri_va, permata_va, echannel, alfamart, indomaret, akulaku, kredivo. Omit to show every method enabled on the merchant account.
customer_email	string	optional	Optional buyer email (Midtrans sends the payment receipt there).
finish_redirect_url	string	optional	Optional https URL to send the buyer to after payment finishes. Omit to use the Snap default result screen.
order_id	string	optional	Your unique order reference (6-50 chars, letters/digits/-/_/.). Auto-generated if omitted.
provider	string	optional	Which gateway. Omit to auto-select: Xendit when x-xendit-secret-key header is present, otherwise Midtrans. enabled_payments applies to Midtrans only.

Raw schema

{
  "type": "object",
  "properties": {
    "amount": {
      "type": "integer",
      "minimum": 100,
      "maximum": 1000000000,
      "description": "Amount in IDR (integer, e.g. 150000 = Rp 150,000)"
    },
    "order_name": {
      "type": "string",
      "description": "What this payment is for (shown to the buyer as the item name, ≤50 chars)"
    },
    "enabled_payments": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "Restrict payment methods shown to the buyer, e.g. [\"gopay\",\"qris\"] or [\"alfamart\",\"indomaret\"]. Common values: gopay, qris, shopeepay, dana, credit_card, bca_va, bni_va, bri_va, permata_va, echannel, alfamart, indomaret, akulaku, kredivo. Omit to show every method enabled on the merchant account."
    },
    "customer_email": {
      "type": "string",
      "description": "Optional buyer email (Midtrans sends the payment receipt there)."
    },
    "finish_redirect_url": {
      "type": "string",
      "description": "Optional https URL to send the buyer to after payment finishes. Omit to use the Snap default result screen."
    },
    "order_id": {
      "type": "string",
      "description": "Your unique order reference (6-50 chars, letters/digits/-/_/.). Auto-generated if omitted."
    },
    "provider": {
      "type": "string",
      "enum": [
        "midtrans",
        "xendit"
      ],
      "description": "Which gateway. Omit to auto-select: Xendit when x-xendit-secret-key header is present, otherwise Midtrans. enabled_payments applies to Midtrans only."
    }
  },
  "required": [
    "amount",
    "order_name"
  ]
}

query_payment_status

Check whether an Indonesia payment (created by create_payment_link) has been paid. Fetches the transaction status from Midtrans directly — a reliable pull-based alternative to webhooks. paid=true when transaction_status is settlement (or capture with fraud_status accept). Status values include SETTLEMENT and CAPTURE (paid=true), PENDING (buyer has not finished — keep polling ~20s), DENY, CANCEL, EXPIRE; NOT_FOUND means the buyer has not opened the checkout yet.

Parameters2

order_id	string	required	The order_id returned by create_payment_link
provider	string	optional	Omit to auto-select by credential headers.

Raw schema

{
  "type": "object",
  "properties": {
    "order_id": {
      "type": "string",
      "description": "The order_id returned by create_payment_link"
    },
    "provider": {
      "type": "string",
      "enum": [
        "midtrans",
        "xendit"
      ],
      "description": "Omit to auto-select by credential headers."
    }
  },
  "required": [
    "order_id"
  ]
}

refund_payment

Refund a paid Indonesia payment. Supported on Xendit-provider payments (send x-xendit-secret-key, or provider "xendit"); Midtrans refunds are not supported by this tool yet. Full refund by default; pass amount for a partial refund in IDR. Refunds respect the same owner policy guardrails (x-agentpay-max-amount) as payments.

Parameters3

order_id	string	required	The order_id of the paid payment (same id used by query_payment_status)
amount	integer	optional	Optional partial-refund amount in IDR (integer). Omit for a full refund.
provider	string	optional	Refunds are currently supported on Xendit only.

Raw schema

{
  "type": "object",
  "properties": {
    "order_id": {
      "type": "string",
      "description": "The order_id of the paid payment (same id used by query_payment_status)"
    },
    "amount": {
      "type": "integer",
      "description": "Optional partial-refund amount in IDR (integer). Omit for a full refund."
    },
    "provider": {
      "type": "string",
      "enum": [
        "xendit"
      ],
      "description": "Refunds are currently supported on Xendit only."
    }
  },
  "required": [
    "order_id"
  ]
}

create_subscription_link

Create a recurring subscription link in IDR via Xendit Subscriptions (hosted). It creates a Xendit payment session (session_type SUBSCRIPTION) and returns a hosted authorization URL (xen.to). The buyer opens it once, links their payment method (card / GoPay / DANA / direct debit), and is then charged automatically every period until it completes or is cancelled. amount is charged PER billing period. Requires x-xendit-secret-key (Xendit only). NOTE: Midtrans does NOT support agent-friendly subscription links — Midtrans recurring needs a saved card/GoPay token captured from a prior charge + webhook, so there is no first-time hosted authorization link; use Xendit for subscriptions. Respects the same owner policy guardrails as payments (the per-period amount is checked before anything is created). Money always flows buyer→Xendit→merchant; this service never touches funds.

Parameters10

amount	integer	required	Amount charged PER billing period, in IDR (integer, e.g. 150000 = Rp 150,000).
period	string	optional	Billing period. Default "monthly".
interval	integer	optional	Charge every N periods (e.g. period=monthly, interval=1 = every month; interval=3 = every 3 months). Default 1. (Yearly is billed as 12-month intervals; interval multiplies that.)
total_count	integer	optional	Number of billing cycles to charge before the subscription completes (e.g. 12 monthly cycles = one year). Default 12.
description	string	required	What the subscription is for (shown to the buyer).
customer_name	string	optional	Optional buyer name (shown on the Xendit hosted page).
customer_email	string	optional	Optional buyer email (Xendit sends subscription receipts there).
finish_redirect_url	string	optional	Optional https URL to send the buyer to after they authorize. Omit to use the Xendit default result screen.
order_id	string	optional	Your unique subscription reference (6-50 chars, letters/digits/-/_/.). Auto-generated if omitted.
provider	string	optional	Subscriptions are supported on Xendit only (send x-xendit-secret-key). Midtrans is not supported.

Raw schema

{
  "type": "object",
  "properties": {
    "amount": {
      "type": "integer",
      "minimum": 100,
      "maximum": 1000000000,
      "description": "Amount charged PER billing period, in IDR (integer, e.g. 150000 = Rp 150,000)."
    },
    "period": {
      "type": "string",
      "enum": [
        "monthly",
        "yearly",
        "weekly",
        "daily"
      ],
      "description": "Billing period. Default \"monthly\"."
    },
    "interval": {
      "type": "integer",
      "minimum": 1,
      "description": "Charge every N periods (e.g. period=monthly, interval=1 = every month; interval=3 = every 3 months). Default 1. (Yearly is billed as 12-month intervals; interval multiplies that.)"
    },
    "total_count": {
      "type": "integer",
      "minimum": 1,
      "maximum": 1000,
      "description": "Number of billing cycles to charge before the subscription completes (e.g. 12 monthly cycles = one year). Default 12."
    },
    "description": {
      "type": "string",
      "description": "What the subscription is for (shown to the buyer)."
    },
    "customer_name": {
      "type": "string",
      "description": "Optional buyer name (shown on the Xendit hosted page)."
    },
    "customer_email": {
      "type": "string",
      "description": "Optional buyer email (Xendit sends subscription receipts there)."
    },
    "finish_redirect_url": {
      "type": "string",
      "description": "Optional https URL to send the buyer to after they authorize. Omit to use the Xendit default result screen."
    },
    "order_id": {
      "type": "string",
      "description": "Your unique subscription reference (6-50 chars, letters/digits/-/_/.). Auto-generated if omitted."
    },
    "provider": {
      "type": "string",
      "enum": [
        "xendit"
      ],
      "description": "Subscriptions are supported on Xendit only (send x-xendit-secret-key). Midtrans is not supported."
    }
  },
  "required": [
    "amount",
    "description"
  ]
}

query_subscription

Check a subscription created by create_subscription_link. Pass the subscription_id it returned (a Xendit payment session id, ps-...). status ACTIVE = hosted page live, buyer has not linked their payment method yet; COMPLETED = buyer authorized, subscription is now active (this also surfaces recurring_plan_id, needed to cancel); EXPIRED / CANCELED = link no longer usable. You can also pass a recurring_plan_id (repl_...) to check the plan directly (ACTIVE | INACTIVE | PENDING | REQUIRES_ACTION).

Parameters2

subscription_id	string	required	The subscription_id (payment session ps-..., or a recurring plan repl_...) returned by create_subscription_link / query_subscription
provider	string	optional	Subscriptions are supported on Xendit only.

Raw schema

{
  "type": "object",
  "properties": {
    "subscription_id": {
      "type": "string",
      "description": "The subscription_id (payment session ps-..., or a recurring plan repl_...) returned by create_subscription_link / query_subscription"
    },
    "provider": {
      "type": "string",
      "enum": [
        "xendit"
      ],
      "description": "Subscriptions are supported on Xendit only."
    }
  },
  "required": [
    "subscription_id"
  ]
}

cancel_subscription

Cancel a subscription so it stops charging. Pass the recurring_plan_id (repl_...) from query_subscription (available once the subscription is authorized / COMPLETED). Xendit deactivation is immediate — all subsequent billing cycles are stopped. (There is no cancel-at-cycle-end scheduling; if the buyer has not authorized yet, just let the payment session expire.)

Parameters2

subscription_id	string	required	The recurring_plan_id (repl_...) to cancel — get it from query_subscription once the subscription is active.
provider	string	optional	Subscriptions are supported on Xendit only.

Raw schema

{
  "type": "object",
  "properties": {
    "subscription_id": {
      "type": "string",
      "description": "The recurring_plan_id (repl_...) to cancel — get it from query_subscription once the subscription is active."
    },
    "provider": {
      "type": "string",
      "enum": [
        "xendit"
      ],
      "description": "Subscriptions are supported on Xendit only."
    }
  },
  "required": [
    "subscription_id"
  ]
}

README.md5 KBView on GitHub

Indonesia Payments MCP — server MCP agar agen AI bisa menerima pembayaran di Indonesia

Use it in 60 seconds

Paste this into your MCP client config (Claude Desktop, Cursor, Windsurf, or any MCP-capable agent):

json

{
  "mcpServers": {
    "indonesia-payments": {
      "type": "http",
      "url": "https://mcp-id.wishpool.app/mcp"
    }
  }
}

Nothing to install. Credentials, when you need them, travel as HTTP headers on each request and are never stored — see the threat model.

Or run it yourself

Would you rather not send production credentials to a server you do not control? Deploy this identical code to your own account and point your agent at your own URL:

bash

git clone https://github.com/junter1989k-ai/indonesia-payments-mcp && cd indonesia-payments-mcp && npx vercel --prod

MIT-licensed. Self-hosting removes us from the picture entirely, at no cost and with no loss of function.

Live · MCP endpoint: https://mcp-id.wishpool.app/mcp · Listed on the official MCP Registry as app.wishpool/indonesia-payments-mcp · Sister servers: Taiwan · Japan · Korea · India

English below. / Bahasa Indonesia di bawah.

A remote MCP server that lets any AI agent (Claude, ChatGPT, Cursor…) accept payments in Indonesia:

📱 GoPay / QRIS / ShopeePay / DANA — the e-wallet & QR rails Indonesia actually uses
🏦 Bank transfer virtual accounts — BCA / BNI / BRI / Permata / Mandiri (echannel)
🏪 Alfamart / Indomaret — cash payment codes at convenience stores
💳 Credit card
🔍 Payment status check — pull-based, no webhook needed; no confirm step, payment completes automatically

v0.1 routes through Midtrans Snap, a major Indonesian payment gateway with a hosted checkout page. The provider registry is built for aggregation — more Indonesian gateways join behind the same tools.

⚖️ Stateless translation layer: funds always flow buyer → Midtrans → merchant directly. This server never holds, moves, or stores funds or credentials — no database at all.

Why this exists

Indonesian payment rails — GoPay, QRIS, VA transfers, Alfamart cash codes — are built for humans clicking through web pages. An AI agent has no agent-ready API for "let my Indonesian customer pay". This MCP server translates that flow into tools an agent can call.

Quick start

MCP endpoint: https://mcp-id.wishpool.app/mcp (Streamable HTTP, stateless JSON-RPC)

Add the server URL in any remote-MCP client (Claude Desktop / Claude Code / Cursor…), then send your Midtrans key as a header on each request:

Header	Value
`x-midtrans-server-key`	Your Midtrans server key. `SB-Mid-server-...` = sandbox (no real money, free from dashboard.midtrans.com); `Mid-server-...` = production. Mode auto-detected from the `SB-` prefix; optional `x-midtrans-mode` header overrides.

No public demo key exists for Midtrans, so bring your own — a sandbox key takes a minute to get and never moves real money (test payments complete via simulator.sandbox.midtrans.com).

Tools

Tool	What it does
`create_payment_link`	Create an IDR hosted-checkout link (gopay / qris / shopeepay / dana / credit_card / bca_va / bni_va / bri_va / permata_va / echannel / alfamart / indomaret). Returns the Snap URL.
`query_payment_status`	Check status by order_id: `paid=true` on `settlement` (or `capture` + fraud `accept`).

Develop

bash

node test/serve.js      # local server (http://localhost:3214/mcp)
node test/e2e.js        # protocol + validation suite (probes real Midtrans auth errors)

Zero runtime dependencies; Node ≥ 18.

English summary

Remote MCP server for Indonesia payments: GoPay, QRIS, ShopeePay, DANA, credit card, bank virtual accounts, Alfamart/Indomaret — via Midtrans Snap's hosted checkout. Bring-your-own credentials (x-midtrans-server-key), stateless, never touches funds, MIT-licensed, zero dependencies. Endpoint: https://mcp-id.wishpool.app/mcp.

Part of a family: Taiwan (ECPay 綠界 / NewebPay 藍新 + e-invoices) · Japan (KOMOJU — konbini / PayPay) · Korea (Toss Payments — cards / KakaoPay·NaverPay) · India (Razorpay Payment Links — UPI / cards).

Install

Tools (6)

create_payment_linkquery_payment_statusrefund_paymentcreate_subscription_linkquery_subscriptioncancel_subscription

Remote endpoint

Streamable HTTP

Hosted server - connect over the network, no local install.

url

https://mcp-id.wishpool.app/mcp

Add to VS Code Add to Cursor

claude_desktop_config.json

json

{
  "mcpServers": {
    "indonesia-payments-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "mcp-remote",
        "https://mcp-id.wishpool.app/mcp"
      ]
    }
  }
}

Desktop config is stdio-only; this bridges via mcp-remote. Native remote: Settings > Connectors.

🛠️ Key Features

🚀 Use Cases

⚡ Developer Benefits

⚠️ Limitations

Topics

create_payment_link

query_payment_status

refund_payment

create_subscription_link

query_subscription

cancel_subscription

Indonesia Payments MCP — server MCP agar agen AI bisa menerima pembayaran di Indonesia

Use it in 60 seconds

Or run it yourself

Why this exists

Quick start

Tools

Develop

English summary

Install

Remote endpoint

Related servers