Nilas Warung — Restaurant in Nusa Penida Subdistrict

No — merchants in Indonesia are not legally allowed to add a “3% bank tax” or any surcharge for card payments (credit or debit).

Bank Indonesia Regulation No. 23/6/PBI/2021 on Payment Service Providers explicitly prohibits merchants from charging extra fees on card transactions.

The Ministry of Trade has confirmed the same: additional charges on non-cash payments are not permitted.

If a shop adds a “3% bank tax” (sometimes presented as a card fee or surcharge), it is not a government tax — it’s the merchant trying to pass their processing costs onto you, which is against the rules.

Consumers can report such practices to Bank Indonesia or the Ministry of Trade’s consumer...

We ate at Nila's several times during our trip to nusa a few weeks ago. The Ikan matar was particularly good! Nila and her family are so welcoming and helpful they even took our 4 month old baby and looked after him while we ate so we got to have an impromptu date. The location right on the beach by Playgrounds is perfect for a post surf beer or some excellent Indonesian food. We also paid her husband to take us out snorkelling for a few hours - he tailored the trip to our requests and we saw a huge variety of sealife...

Good food, nice staff, just very busy as it’s the only choice to sit and eat/drink right on beachfront, so service could be a little slow. There are also a lot of flies, so it was difficult to enjoy our food, but they did provide candles to detract the flies. We had fresh cold coconuts, and a nasi goreng. The portion was small for 75k, but it is beachfront. Toilets could be a little nicer...