# Settlement Time

## Indonesia

Settlement times for Indonesian Business Accounts vary depending on the payment method and settlement scheme (aggregator or direct). The table below outlines the settlement period under the Aggregator settlement scheme for each payment method:

<table><thead><tr><th width="249.33333333333331">Payment Type</th><th>Payment Channel or Acquiring Bank</th><th>Settlement Period (Working Days)</th></tr></thead><tbody><tr><td>Cards</td><td>BNI Cybersource</td><td>T+2</td></tr><tr><td>Cards</td><td>Other Acquirings</td><td>T+3</td></tr><tr><td>Virtual Account<br><br></td><td>BCA</td><td>T+2</td></tr><tr><td>Virtual Account</td><td>DOKU</td><td>T+2</td></tr><tr><td>Virtual Account</td><td>Other Banks</td><td>T+1</td></tr><tr><td>e-Wallet</td><td>OVO</td><td>T+2</td></tr><tr><td>e-Wallet</td><td>ShopeePay</td><td>T+2</td></tr><tr><td>e-Wallet</td><td>LinkAja</td><td>T+1</td></tr><tr><td>e-Wallet</td><td>DANA</td><td>T+2</td></tr><tr><td>e-Wallet</td><td>DOKU e-Wallet</td><td>T+1</td></tr><tr><td>e-Wallet</td><td>i.saku</td><td>T+2</td></tr><tr><td>QR Code</td><td>QRIS</td><td>T+1</td></tr><tr><td>Kartu Kredit Indonesia</td><td>Kartu Kredit Indonesia</td><td>T+2</td></tr><tr><td>PayLater</td><td>Akulaku</td><td>T+2</td></tr><tr><td>PayLater</td><td>Kredivo</td><td>Tuesdays and Fridays</td></tr><tr><td>PayLater</td><td>Indodana</td><td>T+2</td></tr><tr><td>Convenience Store</td><td>Alfa Group</td><td>T+4</td></tr><tr><td>Convenience Store</td><td>Indomaret</td><td>T+4</td></tr><tr><td>Direct Debit</td><td>BRI</td><td>T+1</td></tr><tr><td>Direct Debit<br></td><td>Allo Bank</td><td>T+2</td></tr><tr><td>Direct Debit</td><td>CIMB</td><td>T+3</td></tr><tr><td>Direct Debit</td><td>Mandiri</td><td>T+2</td></tr><tr><td>Digital Banking</td><td>Jenius Pay</td><td>T+2</td></tr><tr><td>Internet Banking</td><td>BRImo e-Payment</td><td>T+1</td></tr><tr><td>Internet Banking</td><td>Internet Banking Muamalat</td><td>T+1</td></tr><tr><td>Internet Banking</td><td>OCTO Clicks</td><td>T+1</td></tr><tr><td>Internet Banking</td><td>Danamon Online Banking</td><td>T+1</td></tr><tr><td>Internet Banking</td><td>PermataNet</td><td>T+1</td></tr></tbody></table>

> **Daily settlements are processed on working days, 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.

{% hint style="warning" %}
DOKU will not settle your funds if your business account has not been verified.
{% endhint %}

## Malaysia

Settlement times for Malaysian Business Accounts vary depending on the payment method. The table below outlines the settlement period for each payment method:

<table><thead><tr><th width="249.33333333333331">Payment Method</th><th>Payment Channel or Acquiring Bank</th><th>Settlement Period (Working Days)</th></tr></thead><tbody><tr><td>Internet Banking</td><td>FPX</td><td>T+1</td></tr><tr><td>Cards</td><td>All Acquirings</td><td>T+2</td></tr><tr><td>e-Wallet</td><td>Touch 'n Go</td><td>T+2</td></tr><tr><td>e-Wallet</td><td>GrabPay</td><td>T+2</td></tr><tr><td>e-Wallet</td><td>ShopeePay</td><td>T+2</td></tr><tr><td>PayLater</td><td>PayLater by Grab</td><td>T+2</td></tr><tr><td>PayLater</td><td>SPayLater</td><td>T+2</td></tr></tbody></table>

> **Daily settlements are processed on working days, 12:00–14:00 (GMT+8)**