Paying hospitals and clinics in Indonesia: a guide for medical-travel facilitators, insurers and employers

Short answer. A hospital in Indonesia sends a treatment estimate in rupiah and asks for a deposit before admission. The organisation paying — a medical-travel facilitator, an insurer, an employer's health plan, a referring clinic — pays the exact figure through Storspay to the hospital's bank account at the mid-market rate for 1% all-in, with the patient's name and the estimate number as the reference, and the admissions desk sees a matching domestic credit usually within minutes.

Medical travel in Indonesia, and how the money moves

Jakarta and Bali have a growing private-hospital, dental and wellness sector serving patients from Australia, Singapore, East Africa and the Gulf, and Indonesian employers and insurers also settle bills with hospitals in Singapore, Malaysia, Thailand and India. On the Indonesian side, Storspay pays a hospital, clinic or medical-travel facilitator in rupiah the same day, with the patient's name and the estimate number in the reference.

Deposit, treatment, final bill

Add the hospital once as a recipient. Pay the deposit with the estimate number and the patient's name in the reference; when the final bill comes, pay the balance the same way. A facilitator with several patients in treatment pays all the hospitals in one batch and files one statement; each hospital sees its own credits with its own references.

If you are the hospital or clinic

Hospitals and clinics with referring partners abroad can send a Storspay payment request for the deposit and the final bill, and the partner pays it from their balance. Collecting from partners in North America, the UK, Europe and Africa is live today; getting paid from Indonesia itself is not yet.

Documents, tax IDs and what the recipient's bank may ask

Indonesian banks report foreign-currency inflows to Bank Indonesia and may ask the recipient for the underlying invoice or contract, particularly above US$10,000 equivalent, and for the company's NPWP (tax number). Payments arrive as rupiah credits from a local bank, so the recipient does not receive foreign currency and has no conversion to arrange. Keep the invoice, the Storspay receipt and the recipient's NPWP on file; an Indonesian exporter will also want the payment to match the invoice number for its own tax filing.

How a payment to Indonesia works on Storspay

1. Fund your balance in USD (ACH or wire), CAD (Interac e-Transfer or EFT), GBP (UK bank transfer) or EUR (SEPA) — to account details in your own business name. Funding is free.
2. Add the recipient once: their name as it appears on the account, the bank (BCA, Bank Mandiri, BNI, BRI, CIMB Niaga, Permata and the other BI-licensed banks) and the account number. Storspay checks the account name before you confirm.
3. Type the amount in either box. Enter what you want to send and see the rupiah that land, or type the rupiah figure on the invoice and see what it costs you. The rate is the mid-market rate; the 1% is on its own line.
4. Confirm. The money goes over BI-FAST and usually lands within minutes — the same business day at most. The recipient gets a notification with the exact amount, and you get a receipt with the invoice reference.

Nobody in Indonesia has to sign up, install an app or touch anything other than their own bank account. Everything on the recipient side looks like an ordinary domestic transfer.

What it costs

Storspay charges 1% all-in on payments to Indonesia, with a minimum of US$2, at the mid-market rate. That one line covers conversion, settlement and delivery; there is no FX markup, no intermediary-bank charge and nothing deducted on the recipient side.

Rates in this guide are the mid-market rate on the day of writing (1 USD = 17,893.30 IDR); the calculator on the homepage shows today's. Large payments are split automatically under the local channel cap, under one reference and one fee.

See what your team in Indonesia receives →

Questions businesses ask before the first payment to Indonesia

Can a patient pay their own bill through Storspay?

Storspay is for organisations — facilitators, insurers, employers, clinics. A patient paying personally should ask the hospital's international desk which methods it accepts.

Does the hospital need a Storspay account?

No. It receives a domestic credit in rupiah to its existing bank account, with the patient reference you typed.

What if the final bill is lower than the deposit?

The hospital refunds the difference on its side as it would for any patient. Storspay payments are final once sent, so pay the deposit the hospital asks for and settle the balance against the final bill.

Which Indonesian banks can you pay?

Any bank licensed by Bank Indonesia — BCA, Mandiri, BNI, BRI, CIMB Niaga, Permata, Danamon and the rest. You enter the account number and the bank; Storspay verifies the account name before you confirm.

Why does the rupiah amount look so large?

Because the rupiah is a small unit — roughly Rp 18,000 to the dollar. Storspay shows the full rupiah figure with the mid-market rate on the same screen, so you and the recipient read the same number.

Can I pay a GoPay, OVO or DANA wallet?

Not today. Storspay pays bank accounts in Indonesia; e-wallets are on the roadmap. Most wallet users also have a bank account at BCA, Mandiri, BNI or BRI.

Who this is for — and who it is not for

Storspay is for businesses and organisations: companies, agencies, schools, hospitals, facilitators, foundations and sole traders paying other businesses and professionals for work, goods and services. A sole trader counts as a business and signs up in their own name.

What Storspay is not is a personal money-transfer service. We do not open personal accounts, and every payment has to be a business transaction: an invoice, a contract, a fee note, work delivered. Money to family and personal transfers are not what this is, and we would rather say so now than at verification.