Many Indonesians regularly pay for online services such as streaming platforms, software subscriptions, cloud storage, gaming services, and international shopping. The challenge is that many of these platforms were built for markets where credit cards are common. In Indonesia, however, credit cards aren’t so popular, making it harder for users to pay for international apps and subscriptions.
The good news is that you can still access global services without a credit card. From digital wallets to virtual cards, there are straightforward, legal alternatives. This guide explains the best ways Indonesians can pay for online services without using credit cards and how to choose the option that best fits their needs.
Also read: Indonesia for remote workers: tips, connectivity, and community
Before deciding how to pay for an international service, consider:
With these in mind, let’s look at the most reliable options available in Indonesia.
Indonesia’s payment landscape differs from that of Western countries. Many people prefer bank transfers, e-wallets, or cash transactions. But these options make it harder to pay on foreign platforms. This has led to the rise of alternative methods that still give Indonesians access to global services.
Virtual cards are the simplest way to pay for international services that normally require a credit card. They work like regular debit cards but exist only in digital form. Platforms like Grey and Wise offer virtual USD cards that you can use for streaming platforms, software subscriptions, cloud storage, gaming services, and international shopping.
Advantages:
When choosing a virtual international card, opt for a service that supports recurring payments if you need monthly subscriptions.
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Some Indonesian digital banks and fintechs offer debit cards that can be used internationally. These cards are often linked to your local bank account and allow you to pay. While not ideal if the platform requires a credit card, it works for many common local and international services.
Several Indonesian e-wallets support payments to international services through partnerships.
Examples:
Good for micro-transactions, games, and entertainment, but limited for major global subscriptions.
PayPal does not require a credit card if you fund your balance manually. Many global platforms accept PayPal, including software tools, gaming platforms, and online shopping sites.
Advantages:
Limitations:
Also read: Wise vs PayPal: which is better in Indonesia?
Many platforms allow you to buy prepaid subscription cards online. These can be redeemed without linking a credit card.
Popular options:
Where to buy:
Some platforms allow payments through international marketplaces like Amazon, Microsoft Store, Google Play, and Steam. You can top up your balance with a gift card or a local payment partners, then use that balance to buy apps or services.
Also read: A simple guide to online shopping from abroad for Indonesians
You do not need a credit card to pay for global digital services in Indonesia. With a virtual USD debit card from Grey and foreign currency accounts, you can access the same services people use worldwide. It even comes at lower fees and more control over your spending.
Get started with Grey today to manage online service payments efficiently.
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