We have many kind of payment system, by cash, Traveller checque, transfer and LC (letter of Credit).
Most of suppliers in Bali needs 30% deposit in advance, and the balance should be paid on the time of collecting.
And Bank systems in Indonesia, transfer system are regularly used for payment which depend on the bank used. Transfer takes between 4 days to 10 days to be credited. And the payment by credit card also is received by our company as well as travel cheque. Especially the payment by credit card, our bank will charge you 3% for this transaction.
And the exchange rate of USD towards Rupiah are unstable. You can ask one of the bank in Bali or legal money changer or by reading any kind of news paper for your reference for thus day of deal.