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GoPay: Transfer, Payment, QRIS

GoPay: Transfer, Payment, QRIS

Free Transfer & QRIS Payments

803 ratings
130 reviews
💰 Finance
Free

Details

Released
July 24, 2023
Updated
October 28, 2026

Features

Developer

PT. GOTO GOJEK TOKOPEDIA TBK
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About

This app facilitates easy money transfers, bill payments, and QRIS transactions. Users can earn rewards, access deals, and manage their finances with features like expense tracking and savings options. It also offers cash loans and secure payment methods.

✓Free bank transfers up to 100x/month
✓QRIS payments with cashback
✓Bill payments (PLN, mobile, BPJS)
✓Split bill functionality
✓Deals, cashback, and discounts
✓Savings with attractive interest rates
✓Online cash loans up to IDR 25 million
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What users say about GoPay

Reviews of GoPay are mixed: the Finance app is rated 4.7/5 from 803 App Store ratings. What users like most: easy to use and intuitive interface, fast and convenient payment processing. Top complaints: top-up frequently fails without clear reasons, transfer and payment transactions often fail. Summarized from real user reviews.

Positive things

  • 👍Easy to use and intuitive interface
  • 🚀Fast and convenient payment processing
  • 💳Versatile payment options (QRIS, bills, pulses, etc.)
  • 💰Useful rewards and cashback system
  • 🌍Convenient for frequent travelers to Indonesia
  • 📊Good expense management features
  • ✅Reliable bank-to-bank transfers

Negative things

  • 🐛Top-up frequently fails without clear reasons
  • 🐛Transfer and payment transactions often fail
  • ❌Poor customer support (mostly automated responses)
  • 🔒Inconsistent identity verification requirements
  • 😞Difficult account closure process
  • 🌐Not user-friendly for foreign passport holders
  • 📱Bloated interface with too many features
  • 🔌Compatibility issues with certain credit cards (AU, Visa)
  • 😤Forced upgrade to GoPay Plus for basic functionality
  • 🚫Cannot withdraw funds when abroad
  • 🎯Confusing and unclear setup process
  • ⚠️Stuck funds with no resolution path
See all reviews
+1

What's New in GoPay

2.22.1

October 28, 2026

TOP UP YOUR FLAZZ WITH LESS FUSS Trouble can pop up anytime, even when you’re topping up your Flazz… No need to worry, we’ve got you~ In this update, we’ve fixed issues with updating your Flazz balance. Now, Flazz top-ups got safer & smoother! Not only that, we’ve also squashed other bugs that were getting in your way. Enjoy more seamless transactions on the GoPay app. Update to version 2.22!

More

Events

Read more about Join War Trakcil!
Event EndedCompetition

Join War Trakcil!

Rp1 transfer, prizes worth billions

Oct 2, 2026 — Oct 25, 2026

Read More

Read more about Ramadan GG WAR
Event EndedSpecial Event

Ramadan GG WAR

Ramadan GG WAR: Borong Hadiah di GoPay!

Mar 13, 2026 — Mar 31, 2026

Read More

Read more about QRIS for Business
Event EndedMajor Update

QRIS for Business

Get your Business QRIS!

Feb 2, 2026 — Feb 28, 2026

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

Saya

Sangat bagus dan praktis
B@Bug @9

Very user unfriendly

I am used to apps and financial transfer apps. This was the most confusing and difficult app ever.
NINot dumb but felt it

Response from developer

Hi, sorry for the inconvenience. The report you submit will be input for us to continue to improve the quality of our services in the future. If you have questions or other problems, please visit the Help menu in your GoPay application or email customerservice@gopay.co.id. ^Maysa

Easy top up

Smooth and easy to top up
MMZ_15

Mrs P

Love this app so much. Thank you Gopay
NNikenPreater

P n P

Sangah manyap
PPojan14
See 125 more reviews

Developer apps

Gojek
Gojek

Ride Hailing, Food Delivery

✈️ Travel

(8.3K)

Free
See developer apps

User experience

🐞

Reported Bugs

9 issues

Top-up fails intermittently (1 in 10 success rate reported)

Bug

Visa/credit card linking fails

Bug

Face recognition login feature is poor quality

Bug

Passport scanning setup is difficult and unclear

Bug

Transaction confirmation shows failed despite successful payment

Bug

UI elements unresponsive (verify button not working)

Bug

App lags and slow performance

Bug

Animations need tuning on certain devices

Bug

Account recovery system broken for users with changed phone numbers

Bug
✨

Requested Features

8 requests

Annual expense report (in addition to weekly/monthly)

Feature

Transaction history export feature

Feature

Email-based OTP recovery option

Feature

Manual passport photo submission option

Feature

Subscription payment summary and visibility

Feature

Simplified account recovery process

Feature

Consolidation with Gojek app to reduce redundancy

Feature

Easier GoPay Plus upgrade process

Feature

FAQ

How secure is GoPay?

GoPay prioritizes security with PIN protection, biometrics, Face ID, and Touch ID. It also offers a Balance Back Guarantee for refunds on lost funds and ensures your data is protected and private.

What are the benefits of using GoPay for payments?

GoPay offers cashback on QRIS payments, discounts on mobile credit and electricity tokens, and various deals. Users can also earn GoPay Coins through reward-based games.

Can I transfer money to other banks with GoPay?

Yes, GoPay provides free transfers to all banks up to 100 times per month. It also offers free transfers to various e-wallets and an On-Time Transfer Guarantee.

What types of bills can I pay with GoPay?

You can pay for PLN electricity tokens, mobile credit and data packages, PDAM, BPJS Employment and Health, vehicle tax, and other bills through GoPay.

Does GoPay offer any savings features?

Yes, GoPay Savings by Jago allows you to grow your money with attractive interest rates. Your deposits are protected by LPS, and you can save directly from your GoPay wallet.

What are the terms for GoPay cash loans?

GoPay offers online cash loans with limits up to IDR 25 million, with loan terms ranging from 61 to 183 days. The annual interest rate (APR) is between 17.6% and 36%.

How does GoPay handle splitting expenses?

GoPay's Split Bill feature makes it easy to divide expenses. You can simply snap a photo of the receipt, and payment requests will be sent directly to your friends' GoPay wallets.

Is GoPay suitable for international users?

While GoPay is widely used in Indonesia, some users have reported difficulties with identity verification and account closure. It may not be as user-friendly for foreign passport holders, and funds cannot be withdrawn when abroad.