# 🇮🇩 Requirements and Limitations This page outlines the technical, business, and regulatory requirements, as well as the transaction limitations, for each supported payment method in Indonesia. ## Account Requirements {% hint style="info" %} [Learn more](https://docs.doku.com/get-started/activate-business#business-types) about the differences between Personal, Corporate, and International. {% endhint %} ### Bank Transfer (Virtual Account)
Payment MethodPersonalCorporateInternationalAuto-active?Required DocumentPersonalCorporateInternational
Virtual Account BCA🚫 Not Allowed✅ Allowed🚫 Not Allowed
Virtual Account Mandiri✅ Allowed✅ Allowed🚫 Not Allowed✅-✅
Virtual Account BRI✅ Allowed✅ Allowed✅ Allowed✅-✅
Virtual Account BNI✅ Allowed✅ Allowed✅ Allowed✅-✅
Virtual Account BSI✅ Allowed✅ Allowed✅ Allowed✅-✅
Virtual Account BNC✅ Allowed✅ Allowed✅ Allowed
Virtual Account BTN✅ Allowed✅ Allowed✅ Allowed
Virtual Account BSS✅ Allowed✅ Allowed✅ Allowed
Virtual Account CIMB✅ Allowed✅ Allowed✅ Allowed✅-✅
Virtual Account Permata✅ Allowed✅ Allowed✅ Allowed✅-✅
Virtual Account Danamon✅ Allowed✅ Allowed✅ Allowed-✅
Virtual Account Maybank✅ Allowed✅ Allowed✅ Allowed
Virtual Account BPD Bali✅ Allowed✅ Allowed✅ Allowed
Virtual Account BJB✅ Allowed✅ Allowed✅ Allowed
Virtual Account DOKU✅ Allowed✅ Allowed✅ Allowed
{% hint style="info" %} 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. {% endhint %} ### Cards
Payment MethodPersonalCorporateInternational
Cards✅ Allowed✅ Allowed✅ Allowed
Credit Card Installment🚫 Not Allowed✅ Allowed✅ Allowed
{% hint style="info" %} 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. {% endhint %} ### e-Wallet
Payment MethodPersonalCorporateInternational
DOKU e-Wallet✅ Allowed✅ Allowed✅ Allowed
OVO✅ Allowed✅ Allowed✅ Allowed
ShopeePay✅ Allowed✅ Allowed✅ Allowed
DANA✅ Allowed✅ Allowed✅ Allowed
LinkAja✅ Allowed✅ Allowed✅ Allowed
i.saku✅ Allowed✅ Allowed✅ Allowed
### QR Payment
Payment MethodPersonalCorporateInternational
QRIS✅ Allowed✅ Allowed🚫 Not Allowed
### Kartu Kredit Indonesia
Payment MethodPersonalCorporateInternational
Kartu Kredit Indonesia (GPN)✅ Allowed✅ Allowed🚫 Not Allowed
### PayLater
Payment MethodPersonalCorporateInternational
Akulaku✅ Allowed✅ Allowed✅ Allowed
Kredivo🚫 Not Allowed✅ Allowed✅ Allowed
Indodana🚫 Not Allowed✅ Allowed✅ Allowed
### Convenience Store
Payment MethodPersonalCorporateInternational
Alfa Group✅ Allowed✅ Allowed✅ Allowed
Indomaret✅ Allowed✅ Allowed✅ Allowed
{% hint style="info" %} Alfa Group includes Alfamart, Alfamidi, DanDan, and Lawson. {% endhint %} ### Direct Debit
Payment MethodPersonalCorporateInternational
Direct Debit BRI🚫 Not Allowed✅ Allowed🚫 Not Allowed
Direct Debit CIMB🚫 Not Allowed✅ Allowed🚫 Not Allowed
Direct Debit Allobank🚫 Not Allowed✅ Allowed🚫 Not Allowed
Direct Debit Mandiri🚫 Not Allowed✅ Allowed🚫 Not Allowed
### Digital Banking
Payment MethodPersonalCorporateInternational
Jenius Pay🚫 Not Allowed✅ Allowed✅ Allowed
### Internet Banking
Payment MethodPersonalCorporateInternational
BRImo e-Payment🚫 Not Allowed✅ Allowed✅ Allowed
Internet Banking Muamalat✅ Allowed✅ Allowed✅ Allowed
OCTO Clicks✅ Allowed✅ Allowed✅ Allowed
Danamon Online Banking🚫 Not Allowed✅ Allowed✅ Allowed
PermataNet🚫 Not Allowed✅ Allowed✅ Allowed
*** ## Limitations ### Bank Transfer (Virtual Account)
Payment MethodRequirementsMinimum and Maximum AmountAuto-active?Required DocumentPersonalCorporateInternational
Virtual Account BCA
  • Service agreement with DOKU
  • BCA bank account

Min: IDR 10,000

Max: IDR 50,000,000, but limit can be increased upon bank's approval

✅-✅
Virtual Account Mandiri

  • Service agreement with DOKU
  • Mandiri bank account
Min: IDR 1

Max: IDR 300,000,000 for same bank, IDR 500,000,000 for interbank
Virtual Account BRINo specific requirementsMin: IDR 1

Max: IDR 50,000,000,000 for same bank, IDR 500,000,000 for interbank		✅-✅
Virtual Account BNINo specific requirementsMin: IDR 1

Max: IDR 50,000,000
Virtual Account PermataNo specific requirementsMin: IDR 1

Max: IDR 9,999,999,999
Virtual Account CIMBNo specific requirements

Min: IDR 10,000

Max: IDR 50,000,000,000

Virtual Account BSINo specific requirementsMin: IDR 1

Max: IDR 100,000,000
Virtual Account DanamonNo specific requirementsMin: IDR 1

Max: IDR 2,000,000,000 for same bank, IDR 200,000,000 for interbank
Virtual Account DOKUNo specific requirementsMin: IDR 1

Max: IDR 250,000,000
Virtual Account Maybank No specific requirementsMin: IDR 1

Max: IDR 10,000,000,000 for same bank, IDR 200,000,000 for interbank
Virtual Account Sinarmas No specific requirementsMin: IDR 1

Max: IDR 5,000,000,000 for same bank, IDR 50,000,000 for interbank
Virtual Account BTNNo specific requirementsMin: IDR 1

Max: IDR 9,999,999,999
Virtual Account of Other BanksNo specific requirements

Min: IDR 10,000

Max: Depends on bank account balance and account type

### Cards
Payment MethodRequirementsMinimum and Maximum Amount
CardsNo specific requirements

Min: IDR 1, but some issuers may only accept IDR 10,000


Max: Individual credit card limit

CC InstallmentNo specific requirements

Min: IDR 1, but some issuers may only accept IDR 10,000


Max: Individual credit card limit

### e-Wallet
Payment MethodRequirementsMinimum and Maximum Amount
DOKU e-WalletNo specific requirementsMin: IDR 10,000
OVONo specific requirements

Min: IDR 10,000

Max: IDR 2,000,000 per transaction for non KYC users(club account), IDR 20,000,000 per transaction for KYC users (premier account)

ShopeePayNo specific requirements

Min: IDR 10,000

Max: IDR 2,000,000 per transaction for non KYC users(club account), IDR 20,000,000 per transaction for KYC users (premier account)

DANANo specific requirementsMin: IDR 10,000
LinkAjaNo specific requirementsMin: IDR 10,000
### QR Payment
Payment MethodRequirementsMinimum and Maximum Amount
QRISOwner's identity card (KTP) or Nomor Pokok Wajib Pajak (NPWP)

Min: IDR 1

Max: IDR 10,000,000 per transaction

### Kartu Kredit Indonesia
Payment MethodRequirementsMinimum and Maximum Amount
Kartu Kredit Indonesia Owner's identity card (KTP) or Nomor Pokok Wajib Pajak (NPWP)

Min: IDR 1, but some issuers may only accept IDR 10,000


Max: Individual credit card limit

### PayLater
Payment MethodRequirementsMinimum and Maximum Amount
AkulakuNo specific requirementsDepends on customer's credit line
KredivoNo specific requirements

Pay in 30 days:

  • No minimum transaction
  • Max purchase: IDR 3,000,000
  • 0% interest

Pay 3, 6, 12 months

  • Minimum amount of IDR 1,000,000
  • Max purchase: IDR 30,000,000
  • 2.95% monthly interest
IndodanaNo specific requirementsMin: IDR 10,000
### Convenience Store
Payment MethodRequirementsMinimum and Maximum Amount
Alfa GroupNo specific requirementsMaximum of IDR 5,000,000 per transaction with debit and IDR 2,500,000 per transaction with cash
IndomaretNo specific requirementsMaximum of IDR 5,000,000 per transaction with debit or cash
*** ### Direct Debit
Payment MethodRequirementsMinimum and Maximum Amount
Direct Debit BRIService agreement with DOKU

Min: IDR 10,000

Max: IDR 20,000,000 per day

Direct Debit CIMBService agreement with DOKU

Min: IDR 10,000

Max: Depends on account type

  • Classic IDR 10,000,000/day
  • Black IDR 20,000,000/day
  • Premium IDR 50,000,000/day
Direct Debit AllobankService agreement with DOKUMin: IDR 10,000
Direct Debit MandiriService agreement with DOKUMin: IDR 10,000
### Digital Banking
Payment MethodRequirementsMinimum and Maximum Amount
Jenius PayNo specific requirementsMin: IDR 10,000
### Internet Banking
Payment MethodRequirementsMinimum and Maximum Amount
BRImo e-PaymentNo specific requirementsMin: IDR 10,000
Internet Banking MuamalatNo specific requirementsMin: IDR 10,000
OCTO ClicksNo specific requirementsMin: IDR 10,000
Danamon Online BankingNo specific requirementsMin: IDR 10,000
PermataNetNo specific requirementsMin: IDR 10,000
{% hint style="info" %} If you would like to have a service agreement with DOKU, please contact our Sales team by filling the following [form](https://www.doku.com/en-US/contact-sales?utm_source=docs) {% endhint %}