GoPay is a huge part of our lives in Jakarta, but not as much in Bali although growing like crazy. GoJek delivery and online marketplaces like Tokopedia and HappyFresh have been massive game-changers to existing in this megacity as everything can come to me instead of venturing out in traffic. It has made my life so much more manageable. That being said, outside of online shopping and utilizing GoJek drivers for rides and deliveries, GoPay is rarely accepted outside of modern malls, restaurants, groceries and stores- certainly not at warungs and markets- or at least what I call a warung or market.
FWIW, GoPay is also limited to a 2 million rupiah balance unless one applies for a GoPay plus account, and I have no idea if tourists can do so. Would it be worth it for most people visiting Indonesia to dive? I don't see how unless you are in the popular areas of Bali- Seminyak, Canggu, Sanur, etc... Handing a GOJEK driver millions of rupiah to fill up your account would be super awkward, especially when he is probably clearing around 2 million a month himself. It would be like some stranger walking up to me with five thousand dollars and saying, "Dude...go stick this in the bank for me and make sure it does not get lost while you drive around ll day."
I have never heard of Dana. The other big cashless app we use is called OVO. They are big because they can be used with GRAB, the other big ojek/taxi/delivery service. OVO is also used in many modern businesses- probably more than GoPay.
I hope that helps.