In short. Selling USDT for rupiah goes through P2P on the exchange: you list coins, the buyer transfers rupiah to your GoPay, and only after you have seen the money in the GoPay app itself does the exchange release the coins to them. In advance: passport verification on the exchange, GoPay with GoPay Plus verification (otherwise the limit is 2,000,000 rupiah), Google Authenticator, and a check that the exchange opens from your internet (on 1 October 2026 bybit.com in Bali showed a Komdigi block page). Choose a buyer with hundreds of trades and a completion rate above 90, talk only in the order chat, the payment must come from the name in the order, do not cancel an order after the "paid" mark, and open a dispute if the amount differs.
How it works. If you have USDT on an exchange, you get rupiah like this: you list coins for sale, the buyer transfers rupiah to your GoPay, you check that the money has arrived, and only then does the exchange release the coins to them.
What to prepare in advance. Best a few days before:
- Passport verification on the exchange. The exchange fills in the name from your passport itself and shows it to the buyer. Do it in advance: waiting a day for it on the day of the exchange is too late.
- GoPay with GoPay Plus verification passed. An ordinary wallet cannot hold more than 2,000,000 rupiah, and a transfer over the limit will not arrive. How to pass the verification is in the guide to GoPay.
- Google Authenticator or a passkey. The exchange asks for a code when you add a payment method and for confirmation at every trade.
- USDT in a balance that P2P can see. The sell screen has a "Balance" line. If it shows zero, the coins are in another account of the exchange: move them with an internal transfer.
- Access to the exchange. When we checked on 1 October 2026, bybit.com from home internet in Bali opened a Komdigi block page. Check in advance whether the exchange opens for you, and read the guide to blocked sites.
How to add GoPay to payment methods. Three steps:
- Step 1. On the P2P screen open the Profile tab at the bottom right, then "Payment method" and add a new one. Type gop in the search and choose GoPay.
- Step 2. Enter the GoPay phone number the way the app itself shows it: an Indonesian number starts with 08. The exchange fills in the name from your passport.
- Step 3. Confirm with a code from Google Authenticator: in the "Identity verification" window copy the six digits, go back and tap "Paste". If the iPhone asks about pasting, allow it.
How to sell USDT for rupiah. Nine steps:
- Step 1. Open P2P. On the Bybit home screen tap the deposit button and choose "P2P trading". Check the currency at the top right: it should say IDR.
- Step 2. Switch to "Sell" and set filters: coin USDT, the amount you need in rupiah and the payment method GoPay (funnel icon, type go in the search, tick it). Only buyers paying to GoPay will remain.
- Step 3. Choose an ad, looking at more than the price. Next to the nickname are the number of trades and the completion rate: take a buyer with hundreds of trades and a rate above 90. The "Limits" line shows the amount below or above which they will not trade. The "Recommended" badge does not mean the best price. Tap the red "Sell" on the card.
- Step 4. Check the "Sell USDT" screen and tap "Sell". It shows the rate and a timer for how long it holds, the amount in rupiah, how much USDT will be debited, your GoPay and the "Maker's terms": these are the buyer's terms, read them. The "15 min." icon is the time the buyer has to pay.
- Step 5. Wait on the "Payment in progress" screen: the buyer transfers rupiah, and on the recording the payment arrived in about a minute. The "Release" button is grey and cannot be pressed, as it should be. If the buyer never paid, confirm nothing: the coins will not leave until you press "Release" yourself.
- Step 6. You get a "Buyer has paid" notification, and the screen changes to "Check payment" with a countdown from 10 minutes. The notification only means the buyer pressed "paid": you may not have the money yet.
- Step 7. Open GoPay and find the incoming payment. The transaction should show the status Completed, the amount exactly as in the order and the line Added to "GoPay Saldo". The time on the receipt may be an hour earlier than Bali time, because GoPay counts by Jakarta time: check the date and amount.
- Step 8. Go back to Bybit and tap "Release". In the "Confirm receipt of payment" window tick the first item "I confirm that the payment … has been received and credited to my balance" and tap "Release". If the money is not there, choose the second item "I did not receive the payment" and release nothing.
- Step 9. On the "Completed" screen the coins have gone to the buyer and the rupiah is in your GoPay. Below are the amount, the rate, the amount of USDT and the exchange fee, which was 0 USDT on the recording. The "Dispute the order?" button stays even after the trade is complete.
The main rule. Release coins only after you have seen the money in the GoPay app itself: an exchange notification, a screenshot of a receipt from the buyer, an SMS or an email are not proof. If the amount is off by even one rupiah, do not confirm, write to the buyer in the order chat and open a dispute.
Safety rules. Four rules:
- All talk only in the order chat on the exchange. A request to move to WhatsApp or Telegram, a link "from support" or a call asking you to release the coins come from scammers.
- The payment must come from the person whose name is in the order: money "from a friend", "from my wife's card" or from a company is a reason not to release the coins and to open a dispute. There is no sender name on a GoPay receipt, only a service line like "Via flipid"; the payer's name is visible in a bank account statement.
- Do not cancel the order after the buyer has marked payment, even if they ask you to "cancel because of a technical error". Tap "Dispute the order?" and the exchange will sort it out.
- During the trade the exchange holds only the coins and does not hold the rupiah, as the confirmation window says.
Where people go wrong. They tap "Release" on a notification without opening GoPay, release coins on a short amount expecting a top-up (first the top-up, then the coins), and enter an Authenticator code on a site from a chat.
If you do not want to deal with an exchange, timers and strangers as buyers, message BUZZ Exchange on Telegram: the rupiah arrive on GoPay, in an account or in cash, and the rate is named before the transfer.
What this means for you. Pass verification on the exchange and in GoPay in advance, add GoPay to payment methods and check that the exchange opens for you. Coins go to the buyer only after you have seen the right amount in the GoPay app yourself.