Credit card penetration is super low in Indonesia (top six countries for Discord downloads). Most of us here rely on e-wallets (GoPay, OVO, and Dana), virtual accounts, or QRIS (national QR code standard). Without these options and some regional pricing that fits our local economy, the community here just won't be able to support the app.
Having dedicated SEA payment gateway (especially Indonesia) would be a total game-changer. I did some digging and it looks like Xendit and Midtrans are the most used gateways around here.
Edit:
Coda could be an alternative payment gateway for most countries including SEA, which could be considered.
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Comment by @kitanlain