# Payment Methods

## Payment Types

<table data-view="cards"><thead><tr><th></th><th data-hidden data-card-target data-type="content-ref"></th><th data-hidden data-card-cover data-type="files"></th></tr></thead><tbody><tr><td><strong>Bank Transfer (Virtual Account)</strong></td><td><a href="#bank-transfer-virtual-account">#bank-transfer-virtual-account</a></td><td><a href="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FcLwgYodRrVNWvG9mwHfO%2Fpm-va.png?alt=media&#x26;token=cb7bdb40-b6a3-4a83-8aa5-7105fd837eb9">pm-va.png</a></td></tr><tr><td><strong>Cards</strong></td><td><a href="#cards">#cards</a></td><td><a href="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FcGfxzOgcUDmVENKeO5Jd%2Fpm-cards.png?alt=media&#x26;token=b9603b70-2b15-4c5f-8019-1b64fa4f8b9f">pm-cards.png</a></td></tr><tr><td><strong>e-Wallet</strong></td><td><a href="#e-wallet">#e-wallet</a></td><td><a href="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FUDsFmWwW0IBOCPJUHi9R%2Fpm-ewallets.png?alt=media&#x26;token=084c35e8-2f0b-4e2d-b14c-22297c4aaf0e">pm-ewallets.png</a></td></tr><tr><td><strong>QR Payment</strong></td><td><a href="#qr-payment">#qr-payment</a></td><td><a href="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FqDNHLibsnBpo4nqFkjkN%2Fpm-qr.png?alt=media&#x26;token=0bf99d77-a87d-4445-a089-63f46f8feee7">pm-qr.png</a></td></tr><tr><td><strong>Kartu Kredit Indonesia</strong></td><td><a href="#kartu-kredit-indonesia">#kartu-kredit-indonesia</a></td><td><a href="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FaDmmK3ElnACMaL59xOmt%2Fpm-cards-kki.png?alt=media&#x26;token=c9c61f36-67fe-4f4e-b4bf-3a2342143bbb">pm-cards-kki.png</a></td></tr><tr><td><strong>Convenience Store</strong></td><td><a href="#convenience-store">#convenience-store</a></td><td><a href="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2F7M2oYp7WvwgTBUlsyUsM%2Fpm-cs.png?alt=media&#x26;token=bc81415e-0de8-40a3-928a-e17ba721bd61">pm-cs.png</a></td></tr><tr><td><strong>PayLater</strong></td><td><a href="#paylater">#paylater</a></td><td><a href="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2F6rxukq6hCeIcASZVE6NX%2Fpm-pl.png?alt=media&#x26;token=afa94cd7-9a62-402a-a119-99e2a2740001">pm-pl.png</a></td></tr><tr><td><strong>Direct Debit</strong></td><td><a href="#direct-debit">#direct-debit</a></td><td><a href="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2Fjg2UwVqr8pK5Z5pb9wmZ%2FWhatsApp%20Image%202024-05-27%20at%2013.47.00_1f841760.jpg?alt=media&#x26;token=85319273-10fe-4578-b324-a453765d5507">WhatsApp Image 2024-05-27 at 13.47.00_1f841760.jpg</a></td></tr><tr><td><strong>Digital Banking</strong></td><td><a href="#digital-banking">#digital-banking</a></td><td><a href="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2Fy6Df7jCvNfkAa6WTtUlm%2FWhatsApp%20Image%202024-05-27%20at%2013.47.01_d2f181e8.jpg?alt=media&#x26;token=7641cbff-a451-4416-a12a-38e4c8292c2a">WhatsApp Image 2024-05-27 at 13.47.01_d2f181e8.jpg</a></td></tr><tr><td><strong>Internet Banking</strong></td><td><a href="#internet-banking">#internet-banking</a></td><td><a href="https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2FvQvCljfyPYnSRYSIWzT0%2FWhatsApp%20Image%202024-05-27%20at%2013.47.01_5f02a262.jpg?alt=media&#x26;token=275665c7-bf74-414e-804d-75722fdea39d">WhatsApp Image 2024-05-27 at 13.47.01_5f02a262.jpg</a></td></tr></tbody></table>

### Bank Transfer (Virtual Account)

{% hint style="info" %}
Availability: 🇮🇩 Indonesian Business Account only&#x20;
{% endhint %}

| Payment Method           |
| ------------------------ |
| Virtual Account BCA      |
| Virtual Account Mandiri  |
| Virtual Account BRI      |
| Virtual Account BNI      |
| Virtual Account BSI      |
| Virtual Account BNC      |
| Virtual Account BTN      |
| Virtual Account BSS      |
| Virtual Account CIMB     |
| Virtual Account Permata  |
| Virtual Account Danamon  |
| Virtual Account Maybank  |
| Virtual Account BPD Bali |
| Virtual Account BJB      |
| Virtual Account DOKU     |

> Note: Virtual Account DOKU is used to facilitate interbank transfers, which means that this virtual account can be paid using other banks that are not listed above.

### Cards

| Payment Method          |
| ----------------------- |
| Cards                   |
| Credit Card Installment |

> Note: Card payments with DOKU include credit cards and local-issued debit cards. Networks range from Visa, Mastercard, JCB, and American Express (AMEX). AMEX is supported only with certain bank acquirers.

### e-Wallet

| Payment Method | Country                |
| -------------- | ---------------------- |
| DOKU e-Wallet  | Indonesia              |
| OVO            | Indonesia              |
| ShopeePay      | Indonesia and Malaysia |
| DANA           | Indonesia              |
| LinkAja        | Indonesia              |
| i.saku         | Indonesia              |
| Touch 'n Go    | Malaysia               |
| GrabPay        | Malaysia               |
| Boost          | Malaysia               |
| ShopBack       | Malaysia               |

### QR Payment

{% hint style="info" %}
Availability: 🇮🇩 Indonesian Business Account only&#x20;
{% endhint %}

| Payment Method |
| -------------- |
| QRIS           |

### Kartu Kredit Indonesia

{% hint style="info" %}
Availability: 🇮🇩 Indonesian Business Account only&#x20;
{% endhint %}

| Payment Method               |
| ---------------------------- |
| Kartu Kredit Indonesia (GPN) |

### PayLater

| Payment Method   | Country                |
| ---------------- | ---------------------- |
| Akulaku          | Indonesia              |
| Kredivo          | Indonesia              |
| Indodana         | Indonesia              |
| SPayLater        | Indonesia and Malaysia |
| PayLater by Grab | Malaysia               |
| Atome            | Malaysia               |

### Convenience Store

{% hint style="info" %}
Availability: 🇮🇩 Indonesian Business Account only&#x20;
{% endhint %}

| Payment Method                                       |
| ---------------------------------------------------- |
| Alfa Group (Alfamart, Alfamidi, Dan+Dan, and Lawson) |
| Indomaret                                            |

### Direct Debit

{% hint style="info" %}
Availability: 🇮🇩 Indonesian Business Account only&#x20;
{% endhint %}

| Payment Method        |
| --------------------- |
| Direct Debit BRI      |
| Direct Debit CIMB     |
| Direct Debit Allobank |
| Direct Debit Mandiri  |

### Digital Banking

{% hint style="info" %}
Availability: 🇮🇩 Indonesian Business Account only&#x20;
{% endhint %}

| Payment Method |
| -------------- |
| Jenius Pay     |

### Internet Banking

| Payment Method                                                                                                                                                                                                                                                                                                                                                                            | Country   |
| ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------- |
| BRImo e-Payment                                                                                                                                                                                                                                                                                                                                                                           | Indonesia |
| Internet Banking Muamalat                                                                                                                                                                                                                                                                                                                                                                 | Indonesia |
| OCTO Clicks                                                                                                                                                                                                                                                                                                                                                                               | Indonesia |
| Danamon Online Banking                                                                                                                                                                                                                                                                                                                                                                    | Indonesia |
| PermataNet                                                                                                                                                                                                                                                                                                                                                                                | Indonesia |
| <p>FPX Online Banking</p><ul><li>Maybank</li><li>Hong Leong Bank</li><li>OCBC Bank</li><li>Bank Islam</li><li>CIMB Bank</li><li>BSN (Bank Simpanan Nasional)</li><li>HSBC</li><li>AmBank</li><li>Public Bank</li><li>Bank Rakyat</li><li>Standard Chartered</li><li>RHB</li><li>Affin Bank</li><li>UOB</li><li>Bank Muamalat</li><li>Alliance Bank</li><li>Kuwait Finance House</li></ul> | Malaysia  |

***

## Pricing

DOKU only charges fee based on successful transactions. The fees will be deducted from the settlement amount.

**Don't worry!** There are no setup fees, monthly subscription fees nor registration fees.[ ](https://www.doku.com/en/pricing)

Click [here](https://www.doku.com/en-US/pricing?utm_source=docs) to see the full price list for each payment method.

***

## Activation

For payment method activation guide and inquiries, please refer to [manage-payment-methods](https://docs.doku.com/get-started/manage-business/manage-payment-methods "mention").

***

## FAQ

<details>

<summary>Can a BCA Virtual Account be paid from other banks?</summary>

Yes. In Indonesia, Virtual Accounts can generally be paid from any bank, not just the issuing bank. This means a BCA Virtual Account can be paid via ATM, mobile banking, or internet banking from other banks that support interbank transfers. This is a standard feature of the Virtual Account system in Indonesia.

</details>

<details>

<summary>How does the PayLater payment method work? Will I receive the full amount in settlement?</summary>

When a customer pays using PayLater payment methods like Akulaku or Kredivo, the merchant receives the full transaction amount upfront—regardless of the customer's installment plan. The PayLater payment channel provider handles all repayments directly with the customer.

</details>

<details>

<summary>Does ShopeePay payment method include SPayLater?</summary>

Yes, this means activating ShopeePay will also enable Shopee Paylater (SPayLater) payment method.

</details>