In Indonesia, Southeast Asia's largest e-commerce market, card payments carry less weight than virtual accounts or e-wallets, and even among cards, Visa and Mastercard dominate. Discover is a US-based global card network that owns Diners Club International and has mutual acceptance partnerships with networks such as UnionPay and BC Card, and it's through this partner network that acceptance reaches Indonesia and other parts of Asia. It's more accurate to view it as a channel for customers using cards issued abroad, such as in the US, rather than for local Indonesian consumers.

For businesses that actually see attempted payments from overseas cards, such as travel and accommodation booking services tied to tourist demand in places like Bali, or global commerce sites with a mix of US and Northeast Asian customers, accepting Discover is worthwhile as a way to reduce declined authorizations. If your customer base is purely domestic Indonesian shoppers, it's a lower priority, so put local payment methods in place first.

The shopper enters card details as with any standard card payment, completing 3-D Secure authentication where required, and the transaction is approved through Discover and its partner networks. Hecto Financial receives the approved funds locally in Indonesian rupiah, converts the currency, and settles with the merchant in Korea in the contracted currency among USD, KRW, and JPY. Approval rates and fee terms for transactions routed through partner networks should be confirmed through technical documentation and consultation before integrating.

Under Hecto Financial's integration structure, a business in Korea can explore accepting Discover cards without contracting directly with a local acquirer in Indonesia. Card network acceptance terms vary depending on the partner acquiring structure, so details including settlement cycle, fees, and currency options should be confirmed with the sales team before signing.

• Business registration country

  Confirm whether a contract is available for businesses registered in Korea

• Sales channel

  The integration approach differs depending on whether you sell online only or also operate offline stores in Indonesia

• Product categories

  Check in advance whether your products fall under categories restricted by Discover's merchant policies

• Local regulatory compliance

  Confirm compliance with Indonesia's payment and foreign exchange regulations (see official sources below)

Amounts paid with Discover cards are also processed locally in Indonesia in rupiah (IDR), and Hecto Financial receives and converts these funds before paying the merchant in Korea in the currency selected in the contract among USD, KRW, and JPY. The settlement cycle and fee rate are set by the contract terms. Refunds follow standard card transaction cancellation procedures, with both network policy and Hecto Financial's operating policy applying together, so confirm the chargeback handling process as well before signing the contract.

• Bank IndonesiaOfficial information on Indonesia's payment system and related regulations. If this page's content differs from actual regulations, the official source takes precedence.