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How to use the Claude API in Indonesia without a credit card

Sign up at MaCloud AI, top up a Rupiah balance by QRIS or bank transfer (from Rp 50,000), create an API key, then change the base URL to https://api.macloudai.com. Code and tools that use the Anthropic or OpenAI format work as they are, with no international credit card and no payment in dollars.

Updated · MaCloud AI

Why is paying for the Claude API from Indonesia a hassle?

The official Anthropic console bills in US dollars and asks for an international credit or debit card. Many developers, freelancers and small teams in Indonesia do not have a card that works, or do not want exchange-rate and foreign transaction fees every month.

MaCloud AI offers an API in the same format, but the balance is topped up in Rupiah. You pay by QRIS from any bank or e-wallet app, or by virtual account transfer.

Step by step

  1. Sign up with email or a Google account.
  2. Open the console, choose Top-up, enter an amount (minimum Rp 50,000) and pay by QRIS or bank transfer. The balance is added automatically once paid.
  3. Open API Key, create a new key and copy it.
  4. In your code or tool, set the base URL to https://api.macloudai.com (Anthropic format) or https://api.macloudai.com/v1 (OpenAI format) and use the key.
  5. Set model to a model name from the models page.

Code example: Anthropic SDK (Python)

import anthropic

client = anthropic.Anthropic(base_url="https://api.macloudai.com", api_key="sk-...")
r = client.messages.create(
    model="hk-5-5",
    max_tokens=1024,
    messages=[{"role": "user", "content": "Hello!"}],
)
print(r.content[0].text)

For the Anthropic format the base URL has no /v1. If your program uses the OpenAI SDK, use https://api.macloudai.com/v1; Claude models can be called from there too.

How is it different from the official API?

Official consoleMaCloud AI
CurrencyUS dollarsRupiah
PaymentInternational credit / debit cardQRIS, bank transfer (virtual account)
API formatAnthropicAnthropic, OpenAI, Gemini
Other modelsClaude onlyClaude, GPT, Gemini, DeepSeek and more with one key

Prices at MaCloud AI are in Rupiah per 1 million tokens, with input and output charged separately. Conversation content is not stored; only token counts, model name and time are logged for billing.

Keeping your API key safe

  • Never put the API key in frontend (browser) code or a public repository. The key is your balance.
  • Create a separate key for each project so a leaked one is easy to delete.
  • If a key leaks, delete it in the console and create a new one. The old key stops working at once.

Frequently asked questions

Q1Do I need a credit card to use the Claude API on MaCloud AI?
No. The balance is topped up in Rupiah by QRIS or bank virtual account transfer. There is no credit card and no payment in dollars.
Q2Do I have to rewrite my existing code?
No. The API format is the same as Anthropic and OpenAI. Change the base URL and API key, then set the model name from the models page.
Q3Which Claude models are available?
The models page lists every model and its price and is updated when new models arrive. Use the name shown there as the model parameter.
Q4What is the minimum top-up?
The minimum is Rp 50,000 per top-up. The balance does not expire while the account is active.

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