Discover the vibrant streets of Jakarta, the ancient temples of Yogyakarta, the stunning rice terraces of Bali and much more without worrying about foreign transaction fees, ATM withdrawals or debit card headaches. Moreta Pay makes paying for goods and services a cinch as you explore everything Indonesia has to offer. Whether you're experiencing the Emerald of the Equator as a short-term guest or long-time expat, Moreta Pay provides peace of mind, security and convenience as you make QR code payments like Indonesian locals.
Why QR Code Is the Best Way to Pay in Indonesia
QR code payments are booming across Indonesia and Southeast Asia, and for good reason. Indonesia’s QRIS system has unified digital payments, with over 50 million users and 32 million merchants. It’s fast, contactless, and removes the need for cash or cards. Using a platform like Moreta adds 24/7 fraud monitoring and strong encryption, giving you extra peace of mind. Secure, affordable, and effortless, it’s one of the smartest ways to pay while you travel.
The Problem With Paying Abroad as a Tourist, Expat or Nomad
While you can often use your debit or credit card abroad, there are risks in doing so. Many financial institutions will lock down cards when they suspect fraud, leaving you without access to your funds. Even if transactions go through, you'll likely pay several inflated fees that make every payment more expensive. Indonesia is also a cash-heavy economy, and pulling money out of an ATM comes with hefty withdrawal fees and unfavorable exchange rates. Making QR code payments through Moreta is an easy and secure solution that solves many of the challenges travelers face when paying for goods abroad.
How Moreta Pay Works
Moreta Pay is an easy-to-use platform that's changing the game for tourists, expats and nomads. Here's how it works.
Verify Your Identity
The first step in using Moreta Pay is to verify your identity, a security measure that helps protect you from fraud. When creating a new account, snap a photo of your passport and take a selfie.
Link Your Payment Method
After identity verification, you can link your chosen payment method. With Moreta Pay, you can securely add funds to your account in various ways, including ACH transfers for USD, UK Faster Payments for GBP, SEPA for EUR or international Visa and Mastercard debit or credit cards. Moreta Pay partners with Plaid and J.P. Morgan to streamline the process and ensure security.
Load Funds to Your Moreta Pay Wallet
Once you're all connected, you can transfer funds into your new Moreta Pay account. If you run out during your travels, there's always the option to top up your account using your bank account or card later.
Scan QR Codes at Local Shops & Restaurants
Throughout Indonesia, you'll see merchants displaying QRIS codes that are compatible with local payment networks. Use the Moreta Pay app to scan them, and you can make quick and secure payments in seconds.
Get Seamless Payments on the Go
After scanning an Indonesian QRIS payment code, double-check payment details on the Moreta Pay app. Then, simply swipe to pay!
Coming Soon: More Countries Across Southeast Asia
Moreta Pay will soon be available in more countries throughout Asia. Extend your trip outside Indonesia, and enjoy peace of mind and convenience as you pay your way throughout the region.
Why Moreta Pay Is Better Than Alternatives
Despite the availability of ATMs and card payments throughout Indonesia, Moreta Pay remains the best choice for travelers. Here's why.
No Local Bank Account Required
With Moreta Pay, you can add funds in your local currency from your home bank account or Visa/Mastercard. You don't need to open an Indonesian bank account, even if you're a long-term expat.
Seamless Integration With QRIS
QRIS, GoPay, OVO and DANA are among Indonesia's most popular digital payment platforms, with QRIS being the nation's unified QR code standard developed by Bank Indonesia. Moreta Pay seamlessly integrates with the QRIS ecosystem, ensuring a simpler checkout experience and widespread acceptance across over 32 million merchants.
Designed for International Travelers, Expats & Nomads
Whether you're in Indonesia for a few days, months or years, Moreta Pay makes living like an Indonesian easier than ever. Keep your funds secure and take full advantage of local payment networks. With Moreta Pay, you can do it all without having to open an Indonesian bank account, pull cash from an ATM or use your card.
Several Accepted Payment Types
With Moreta Pay, you can add funds to your account in many ways. Moreta accepts several payment methods, allowing you to fund your account before your trip or top up on the go. When adding USD, you can use ACH to transfer funds securely from your bank account. If you're in the UK, you can add GBP using UK Faster Payments. Meanwhile, Moreta accepts SEPA for Euro transfers. You can also use Visa or Mastercard debit or credit cards to add funds.
Lower Fees Compared to Cash or Card Alternatives
When you use your card abroad, whether directly with a merchant or an ATM, you'll pay hefty fees. Moreta Pay is a cost-effective alternative, charging significantly lower fees while offering greater transparency.
Instant, Contactless QR Payments
Moreta Pay is a truly contactless payment method – you don't even have to interact with a cashier or visit a cash register. With QR code payments with Moreta, you don't have to hand over cash or cards, making your payment more secure than ever.
Real Exchange Rates
Moreta Pay gives you real exchange rates, converting your local currency into Indonesian Rupiah the moment a transaction occurs. As a result, you get accurate and favorable exchange rates.
Activate Your Moreta Pay Account Before Your Trip
Don't let worries about managing your money and making payments get in the way of an unforgettable experience. Immerse yourself in the Indonesian lifestyle and make QR code payments like locals using Moreta Pay. With Moreta, you can enjoy peace of mind, convenience and ultimate security no matter where your travels take you. Visit Moreta Pay to activate your account and set yourself up for success before your travels.
