Split Settlement

Overview

Split Settlement is a feature that allows you to split the amount of the transaction into more than one settlement bank account. It's an ideal solution for merchants requiring customized settlement rules that can be used for marketplaces, platforms, franchises, as well as businesses with multiple branches.

Split Settlement can be configured based on a percentage or a fixed amount. Split Settlement can be set up either via API or DOKU Dashboard for every successful transaction that occurred on the same day.


Activation

You can activate split settlement by following the steps below:

  1. Log in to DOKU Dashboard, and then access the side navigation bar

  2. Split Settlement service will have the status "UPDATING" when it is first added, and once it has been verified by DOKU, the status will change to "ACTIVE".


Configuration

You can configure split settlement or update existing configuration to transactions using DOKU Dashboard by following the steps below:

  1. Log in to DOKU Dashboard, and then access the side navigation bar

  2. Ensure the following rules are adhered when values are being input for split settlement

    • If "Split by Percent" is selected, the total percentage input must not exceed 100%

    • If "Split by Fixed Amount" is selected, the total input amount must not exceed the "Total Settlement Amount" specified

  3. Click "Save Configuration" to convert the transaction to split settlement. There will be an indicator that your transaction has been marked for split settlement under "Invoice Number" column.


Cancellation

Transactions that have been previously configured to be split settled can still be cancelled as long as the transaction status remains as "Payment Success". You can cancel the split settlement of a transaction by following the steps below:

  1. Log in to DOKU Dashboard, and then access the side navigation bar

  2. There are two ways to cancel split settlement of a transaction:


Troubleshooting

Invalid Split Settlement Bank Account

An invalid split settlement bank account error occurred due to an incorrect input of the split settlement bank account destination configuration. This caused our system to be unable to process the settlement with the transaction status "Pending Settlement".

  1. Log in to DOKU Dashboard, and then access the side navigation bar

Notable Rule

  1. Through split settlement, merchants receive data distribution from several settlement batches based on configured accounts.

  2. If the configured split settlement amount is less than the total settlement amount, the remainder goes to the default account set on the Settlement Settings page.

  3. Configuration changes can only be made for transactions with "Payment Success" and "Pending Settlement" statuses. Transactions with other statuses cannot be changed as the settlement batches have been created.

  4. Refunding a split settlement transaction deducts the split amounts from upcoming batches. Refund fees from DOKU are subtracted from the batch settlement funds. The following is an illustration of how refunding a split settlement transaction is processed.

    • A transaction contains an amount of IDR 100,000 with a fee of IDR 5,000

    • 60% is settled to bank account X

    • 40% is settled to bank account Y

    If a refund occurs, the amount transferred to bank account X is reduced by IDR 60,000 and bank account Y is reduced by IDR 40,000.

  5. Refund fees are deducted from batch settlements recorded on Settlement Settings page.

Status Mapping

  • Payment Success: Successfully recorded transactions in the DOKU system, to be distributed to merchants per configured settings.

  • Pending Settlement: Successful transactions reconciled between DOKU & Acquirer but pending due to incorrect transaction information or configuration.

  • Total Settlement Amount: Net transaction value DOKU will distribute to the merchant.


FAQ

Can I make split settlement with API?

Yes, please refer to our Split Settlement API Reference.

Can I make split settlement to an overseas bank account and a local bank account?

At the moment, split settlement does not support bank accounts to be split between from two different countries. It has to be split between two or more overseas bank accounts or local bank accounts.

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