The top-up fee of e-money has been determined by Bank Indonesia which is loaded in the Board Governor Member Regulation Number 19/8/PADG/2017 on the National Payment Gateway. The price scheme was set into two kinds depending on where the transaction channel was made whether the transaction channel was through the or different from the issuer payment channel. This research aimed to analyze whether the actions of Bank Indonesia in determining the top-up fee in the form of the Board Governor Member Regulation Number 19/8/PADG/2017 on the National Payment Gateway is in line with its duties and authorities. This research uses the normative legal research type with the statute approach to research the legislation which regulate the authority of Bank Indonesia regarding the policy on top-up fee which has been issued by Bank Indonesia and the supervision on the implementation of that such policy. The research concluded that Bank Indonesia is authorized to regulate the top-up fee of e-money to ensure the consumer protection and the smoothness of the payment system. Moreover, the supervision regarding to the e-money top up fee was in the hand of Bank Indonesia. But in case that the consumer suffered loss because of the fault of the e-money organizer, the Financial Service Authority could take lead to facilitate the complaint of the customer.