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GoPay: Transfer, Payment, QRIS

GoPay: Transfer, Payment, QRIS

Free Transfer & QRIS Payments

632 ratings
103 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • July 24, 2023
  • August 7, 2026

Features

Developer

PT. GOTO GOJEK TOKOPEDIA TBK
✨Promote your app ✨
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About

This app facilitates easy money transfers, bill payments, and online transactions. Users can top up mobile credit, pay for services like electricity and streaming, and make purchases on various e-commerce platforms. It also offers features for gaming top-ups, savings, and loans.

✓Free bank transfers up to 100x/month
✓Top-ups for digital wallets and mobile credit
✓Pay bills and services (PLN, PDAM, BPJS)
✓QRIS payments with cashback
✓In-app game and voucher top-ups
✓Savings accounts with interest
✓Online cash loans and installments
Show original description

What users say

Summarized from real user reviews of GoPay. Based on 632 reviews and a 4.7/5 average, it highlights the 7 positives and 12 negatives reviewers mention most about this Finance app.

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

What's New in GoPay

2.16.1

August 7, 2026

LESS TROUBLE, SMOOTHER TRANSFERS Ever ran into issues when changing your transfer recipient? Or experienced hiccups when requesting money? Maybe you've noticed other problems that made transfers feel less seamless? Well, we’ve got some good news! We've squashed those bugs! Now, sending and receiving money is smoother, more reliable, and hassle-free. Update to version 2.16

More

Events

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

Read more about QRIS Tap
Event EndedSpecial Event

QRIS Tap

Pay for your trip using QRIS Tap GoPay

Jan 31, 2026 — Feb 28, 2026

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

Aplikasi down

Saya lagi ada urusan penting malah ngedown aplikasinya hadeuh gimana ini pak
siapayaksusiapayaksu

Response from developer

Hai Kak, mohon maaf atas ketidaknyamanannya. Kami informasikan bahwa layanan telah kembali beroperasi secara normal setelah sebelumnya mengalami kendala. Silakan Kakak melakukan pengecekan secara berkala, jika ada pertanyaan lain bisa kunjungi menu Bantuan di aplikasi. Terima kasih. ^Mita

i like it thx

good
alessio podcastalessio podcast

Unable to claim the coins

When we play so many games and I can’t claim not even one coin. What’s the point of playing the games and wasting our time? Can’t even fix small bugs? Even the customer care reply with JSON format. Fix the bugs before deploying into production environment.
Siva.kovuriSiva.kovuri

Response from developer

Hi @Siva.kovuri, we're sorry for the inconvenience. If you still have a problem, please report it to us via email to customerservice@gopay.co.id by attaching asr-26-194-0147-04340 code as the email subject. We are waiting for your detailed report. ^Mita

Assistance INUTILE

Une assistance vraiment inutile, incapable de répondre à votre question correctement ils vous sortent des réponses automatiques et vous redirigent vers des pages d’aides , même quand vous expliquez la situation dans tout les sens ils sont incapables de répondre à votre question et finisse le conversation sans que vous avez eu le temps de répondre, je ne recommande pas
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a890aa890a

Mahalll

Gak lagi ah, telat dikit bayar gocap hiiiii
TalagoXTalagoX

Response from developer

Hai Kak TalagoX, mohon maaf atas ketidaknyamanannya. Jika kendala kamu terkait GoPay Pinjam, silakan ceritakan lebih lanjut kepada kami melalui email ke support@findaya.co.id dan jika GoPay Later ke support@mab.co.id. Serta cantumkan kode asr-26-184-0511-16255 di subjek email, ya. Terima kasih. ^Mita

See 98 more reviews

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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

What can I do with this app?

This app allows you to perform various financial transactions. You can transfer money to other users and banks for free, top up your mobile credit and data packages, pay for utilities like electricity and water, and settle bills for services like BPJS. It also supports payments for online shopping, ride-hailing services, and cinema tickets.

How does the QRIS payment feature work?

You can pay for transactions using QRIS codes by scanning them within the app. This feature often comes with benefits like GoPay Coins cashback through QRIS Unlimited. It also supports cross-border payments and tap-to-pay for transportation.

Are there any costs associated with using the app?

The app offers free transfers to banks up to 100 times per month and free top-ups/cash withdrawals at Alfamart and Indomaret. Some features, like top-ups via Debit and Virtual Account, have a limited number of free admin fee transactions per month. Loans and installment features have associated interest rates and terms.

Can I use this app for gaming or savings?

Yes, you can top up various mobile games and purchase game vouchers directly through the app. Additionally, it offers a savings feature called GoPay Tabungan by Jago, which provides attractive interest rates and is secured by LPS.

What are the loan options available?

The app provides online cash loans with limits up to IDR 25 million and loan terms ranging from 61 to 183 days. There's also an option for installments up to 12 months using GoPay Later, with limits up to IDR 30 million and interest starting at 2% per transaction.