Requirements and Limitations

Overview of activation requirements and transaction limits for each available payment method

This page outlines the technical, business, and regulatory requirements, as well as the transaction limitations, for each supported payment method. This information is important to be reviewed before activating a payment method to ensure compliance and a smooth transaction experience.

Account Requirements

Learn more about the differences between Personal, Corporate, and International.

Bank Transfer (Virtual Account)

Payment Method
Personal
Corporate
International

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

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
Personal
Corporate
International

Cards

✅ Allowed
✅ Allowed
✅ Allowed

Credit Card Installment

🚫 Not Allowed
✅ Allowed
✅ Allowed

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
Personal
Corporate
International

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 Method
Personal
Corporate
International

QRIS

✅ Allowed
✅ Allowed
🚫 Not Allowed

Kartu Kredit Indonesia

Payment Method
Personal
Corporate
International

Kartu Kredit Indonesia (GPN)

✅ Allowed
✅ Allowed
🚫 Not Allowed

PayLater

Payment Method
Personal
Corporate
International

Akulaku

✅ Allowed
✅ Allowed
✅ Allowed

Kredivo

🚫 Not Allowed
✅ Allowed
✅ Allowed

Indodana

🚫 Not Allowed
✅ Allowed
✅ Allowed

BRI Ceria

🚫 Not Allowed
✅ Allowed
✅ Allowed

Convenience Store

Payment Method
Personal
Corporate
International

Alfa Group

✅ Allowed
✅ Allowed
✅ Allowed

Indomaret

✅ Allowed
✅ Allowed
✅ Allowed

Alfa Group includes Alfamart, Alfamidi, DanDan, and Lawson.

Direct Debit

Payment Method
Personal
Corporate
International

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 Method
Personal
Corporate
International

Jenius Pay

🚫 Not Allowed
✅ Allowed
✅ Allowed

Internet Banking

Payment Method
Personal
Corporate
International

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 Method
Requirements
Minimum and Maximum Amount

Virtual Account BCA

  • Service agreement with DOKU

  • BCA bank account

Min: IDR 10,000

Max: Depends on bank account balance and account type

Virtual Account Mandiri

  • Service agreement with DOKU

  • Mandiri bank account

Min: IDR 10,000

Max: Depends on bank account balance and account type

Virtual Account of Other Banks

No specific requirements

Min: IDR 10,000

Max: Depends on bank account balance and account type

Cards

Payment Method
Requirements
Minimum and Maximum Amount

Cards

No specific requirements

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

Max: Individual credit card limit

CC Installment

No specific requirements

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

Max: Individual credit card limit

e-Wallet

Payment Method
Requirements
Minimum and Maximum Amount

DOKU e-Wallet

No specific requirements

Min: IDR 10,000

OVO

No 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)

ShopeePay

No 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)

DANA

No specific requirements

Min: IDR 10,000

LinkAja

No specific requirements

Min: IDR 10,000

QR Payment

Payment Method
Requirements
Minimum and Maximum Amount

QRIS

Owner's identity card (KTP) or Nomor Pokok Wajib Pajak (NPWP)

Min: IDR 1

Max: IDR 10,000,000 per transaction

Kartu Kredit Indonesia

Payment Method
Requirements
Minimum 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 Method
Requirements
Minimum and Maximum Amount

Akulaku

No specific requirements

Depends on customer's credit line

Kredivo

No 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

BRI Ceria

No specific requirements

Min: IDR 10,000

Indodana

No specific requirements

Min: IDR 10,000

Convenience Store

Payment Method
Requirements
Minimum and Maximum Amount

Alfa Group

No specific requirements

Maximum of IDR 5,000,000 per transaction with debit and IDR 2,500,000 per transaction with cash

Indomaret

No specific requirements

Maximum of IDR 5,000,000 per transaction with debit or cash


Direct Debit

Payment Method
Requirements
Minimum and Maximum Amount

Direct Debit BRI

Service agreement with DOKU

Min: IDR 10,000

Max: IDR 20,000,000 per day

Direct Debit CIMB

Service 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 Allobank

Service agreement with DOKU

Min: IDR 10,000

Direct Debit Mandiri

Service agreement with DOKU

Min: IDR 10,000

Digital Banking

Payment Method
Requirements
Minimum and Maximum Amount

Jenius Pay

No specific requirements

Min: IDR 10,000

Internet Banking

Payment Method
Requirements
Minimum and Maximum Amount

BRImo e-Payment

No specific requirements

Min: IDR 10,000

Internet Banking Muamalat

No specific requirements

Min: IDR 10,000

OCTO Clicks

No specific requirements

Min: IDR 10,000

Danamon Online Banking

No specific requirements

Min: IDR 10,000

PermataNet

No specific requirements

Min: IDR 10,000

If you would like to have a service agreement with DOKU, please contact our Sales team by filling the following form

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