How to delete your Midtrans account

About deleting your Midtrans account

Midtrans is a prominent payment gateway in Indonesia, facilitating secure online transactions by integrating various payment methods such as credit cards, bank transfers, and e-wallets into business websites and applications. As a critical financial infrastructure provider, Midtrans acts as an intermediary, processing sensitive transaction data and financial identifiers for thousands of merchants.

Users may choose to delete their Midtrans account for several reasons, such as business closure, migrating to an alternative payment processor, or minimizing the storage of sensitive financial records. Because Midtrans handles high-stakes data, requesting account deletion is a formal procedure designed to ensure that the requestor is the legitimate owner of the business entity.

Key reasons to consider account deletion include:

• Ceasing business operations that no longer require a payment processing gateway.
• Reducing the scope of your organization's compliance requirements under financial data protection regulations.
• Migrating sensitive customer transaction data to a new platform and decommissioning the old gateway interface.

What happens to your data

When you request to delete your Midtrans account, the platform typically deactivates access to your dashboard and associated API keys. However, Midtrans is subject to strict financial regulatory requirements, which may necessitate the retention of transaction logs for legal, tax, and anti-money laundering (AML) audits.

Data types typically collected and held by Midtrans include:

• Business Legal Documentation (e.g., tax IDs, company registration certificates).
• Financial Transaction Records (amounts, timestamps, and customer payment methods).
• API Logs and Webhook configuration history.
• Personal data of the merchant's administrative contacts, including emails and phone numbers.

While Midtrans removes your active dashboard access, historical transaction records are often archived to comply with Indonesian financial services laws. You should download all relevant financial reports and customer records before confirming your deletion request, as access to these records will be revoked permanently once the process is complete.

Privacy considerations

Using a payment gateway involves trust, and Midtrans processes significant amounts of financial metadata. While the service employs robust encryption to secure payments, maintaining an active account increases your surface area for potential security vulnerabilities or unauthorized API access. By deleting an unused account, you minimize the risk associated with potential data breaches or outdated security configurations.

Privacy tips for Midtrans users:

• Regularly rotate your API secret keys if you intend to keep your account active to prevent misuse.
• Audit your integration periodically to ensure you are not collecting excessive customer data that isn't necessary for the transaction.
• If you close your business, ensure that no public-facing checkout buttons remain active that could still communicate with your deactivated gateway.

Frequently Asked Questions

Can I delete my Midtrans account via the dashboard settings?

No, there is no self-service 'delete account' button within the Midtrans dashboard; you must reach out to their support team directly to initiate the closure.

Will deleting my account automatically refund my pending transactions?

No, deleting your account does not process or cancel pending transactions. You must ensure all settlements are finalized and your account balance is cleared before requesting closure.

Does Midtrans keep my data after I request deletion?

Due to legal obligations regarding financial audits and AML regulations, Midtrans is required to retain certain transaction records for a period defined by law, even after you close your merchant account.

How long does it take for my account to be fully deleted?

Once you contact support and verify your identity with your Merchant ID, the process depends on the support queue, typically taking several business days to finalize the deactivation.

What happens to my API keys after deletion?

Once your account is deleted or closed by the support team, all API keys associated with your merchant profile are permanently revoked and will cease to function for any existing website integrations.

Can I reactivate my account later if I change my mind?

Generally, the deletion of a merchant account is treated as a permanent closure of that specific business identity. If you need to return to Midtrans later, you may be required to sign up as a new merchant.