In short. GoPay is a Gojek wallet that you use to pay by QRIS code in cafes, at petrol stations and in markets, and you can open it on a foreign number without an Indonesian bank. Sign-up takes six steps, and the confirmation code arrives by WhatsApp or SMS. Without a passport check you can hold no more than 2,000,000 rupiah in the wallet and cannot transfer money; after the GoPay Plus check, which takes up to a day, the balance limit is 20,000,000 rupiah and transfers are open. You top up with cash at Indomaret, by transfer from another GoPay user, by selling USDT, or through our exchange. One passport can be linked to only one account.
What this wallet is. GoPay is a phone wallet from Gojek. You pay with it by QRIS code in any cafe, at petrol stations and in markets, buy the electricity token for your villa (see the guide on electricity) and a data package, and pay for taxis and food in Gojek. You can open the wallet on a foreign number, and an Indonesian bank is not needed. We checked the path below against a screen recording from a member of our community made on 1 October 2026.
Sign-up. Six steps from installation to the home screen:
- Step 1. Install the GoPay app and open it. The first screen is in Indonesian. At the top right there is a "Bahasa Indonesia (ID)" tag: tap it and choose English.
- Step 2. Allow location access. On the "Allow location access" screen tap "Yes, continue".
- Step 3. Tap "Enter your phone number". The welcome screen lets you continue through Apple or Google, but GoPay will still ask for a phone number.
- Step 4. Change the country code. The number field shows +62, which is Indonesia. Tap it, type the name of your country or its code in the search and choose it. Enter the number without the first zero and tap "Continue".
- Step 5. Accept the terms and wait for the code. By default the code comes to WhatsApp. If it is not there, tap "Try another method" and choose "OTP via SMS". The code has four digits, and after the last digit the screen moves on by itself.
- Step 6. Enter your name and tap "Create account". No email, password or PIN is asked for at this step. After a few seconds you are on the "Home" screen with a zero balance.
Passport check. Without the check you can hold no more than 2,000,000 rupiah in the wallet. You also cannot transfer money to banks or to other people. After the passport check, called GoPay Plus, the balance limit rises to 20,000,000 rupiah and transfers open. Besides the balance limit, GoPay has a monthly cap on everything you receive into the wallet in a month, top-ups and transfers together: 20,000,000 rupiah without the check and 40,000,000 after it, reset on the first of the month. GoPay gives both limits on its help page. GoPay's page on GoPay Plus names the passport for foreigners and promises a result within a day. There is no "Verify" button in the app, so the path is this:
- Step 1. Open the Profile tab at the bottom right, then "Account & app settings". The "Account protection 20%" tag on this screen has nothing to do with the check, skip it.
- Step 2. Choose "GoPay Plus", then "Upgrade now". A table of Basic and PLUS with the limits opens.
- Step 3. Find the link "Are you a foreigner? Use passport". It is in small print under the button about the e-KTP, which is the card of an Indonesian resident, and you do not have one.
- Step 4. Tap "I have my passport ready" and allow the camera. Photograph the real passport, a photocopy will not do. Then comes a selfie, which in GoPay's description is a photo of your face together with the passport. The check takes up to 24 hours, and the result comes as a notification in the app.
How to top up. There are four ways:
- Cash at Indomaret. Tell the cashier "top up GoPay" and give the phone number of the wallet, and the money arrives at once. Minimarkets are on every corner and open late. Other cash points are shown under Cash top up in the app itself.
- Transfer from a person with GoPay. A friend or the villa owner sends money to your number with the "Transfer" button. It is a handy way to get change when paying rent.
- Selling USDT for rupiah. The buyer on a P2P market sends rupiah straight to your GoPay. We explained how to do this safely in the guide on selling USDT.
- Through our exchange. Foreign currency or USDT is exchanged for rupiah, which arrive in your GoPay.
Where people go wrong. Four common slips:
- Looking for the check on the home screen. In the recording we used to check the path, the person spent more than two minutes looking for it and went into Profile four times before opening "Account & app settings".
- Keeping more than two million rupiah in the wallet without the check. A transfer above the limit simply will not arrive.
- Passing the check for a second account with the same passport. Under GoPay's rules one passport can be linked to only one Gojek account.
- Entering an SMS code on a site that was sent to you in a private message. This is how Telegram accounts and wallets get hijacked. A code is entered only in the app that requested it.
Your number. The code goes to the number the wallet is registered to, so do not let it expire: both GoPay and your messengers are tied to the number. How to keep a number active and what to do when you leave is in the guide on SIM cards.
If you do not want to deal with P2P and unknown buyers, message BUZZ Exchange on Telegram: rupiah can go to GoPay, to an account or in cash, and the rate is named before the transfer.
What this means for you. The wallet opens on a foreign number and needs no Indonesian bank. The 20,000,000 rupiah limit and transfers open after the passport check, which takes up to a day. Pass it in the first days, while you do not yet urgently need rupiah. Until the check, keep no more than 2,000,000 rupiah in the wallet.