Settlement Time

The settlement time varies for every payment method as well as the settlement scheme (aggregator or direct).

The following is the settlement period table for Aggregator Settlement scheme based on each payment method and payment channel.

Payment Method	Payment Channel or Acquiring Bank	Settlement Period (Working Days)
Cards	-	T+3
Virtual Account	BCA	T+2
Virtual Account	Other Banks	T+1
e-Wallet	OVO	T+2
e-Wallet	ShopeePay	T+2
e-Wallet	LinkAja	T+2
e-Wallet	DOKU e-Wallet	T+1
QR Code	QRIS	T+1
PayLater	Akulaku	T+2
PayLater	Kredivo	Tuesdays and Fridays
PayLater	Indodana	T+2
PayLater	BRI Ceria	T+2
Convenience Store	Alfa Group	T+4
Convenience Store	Indomaret	T+4
Direct Debit	BRI	T+2
Direct Debit	CIMB	T+2
Digital Banking	Jenius Pay	T+2

Daily settlement time is from 12:00-14:00 GMT+7.

The above settlement period only applies to corporate merchants with a local bank account. Merchants with an overseas bank account or a bank account with a non-IDR currency may have a weekly, bi-weekly, or monthly settlement period depending on the agreement with DOKU.