# 🇮🇩 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](/get-started/activate-business.md#business-types) about the differences between Personal, Corporate, and International. {% endhint %} ### Bank Transfer (Virtual Account)

Payment Method	Personal	Corporate	International	Auto-active?	Required Document	Personal
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 Method	Personal	Corporate	International
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 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

### Convenience Store

Payment Method	Personal	Corporate	International
Alfa Group	✅ Allowed	✅ Allowed	✅ Allowed
Indomaret	✅ Allowed	✅ Allowed	✅ Allowed

{% hint style="info" %} Alfa Group includes Alfamart, Alfamidi, DanDan, and Lawson. {% endhint %} ### 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	Auto-active?	Required Document	Personal
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 BRI	No specific requirements	Min: IDR 1 Max: IDR 50,000,000,000 for same bank, IDR 500,000,000 for interbank	✅	-	✅
Virtual Account BNI	No specific requirements	Min: IDR 1 Max: IDR 50,000,000
Virtual Account Permata	No specific requirements	Min: IDR 1 Max: IDR 9,999,999,999
Virtual Account CIMB	No specific requirements	Min: IDR 10,000 Max: IDR 50,000,000,000
Virtual Account BSI	No specific requirements	Min: IDR 1 Max: IDR 100,000,000
Virtual Account Danamon	No specific requirements	Min: IDR 1 Max: IDR 2,000,000,000 for same bank, IDR 200,000,000 for interbank
Virtual Account DOKU	No specific requirements	Min: IDR 1 Max: IDR 250,000,000
Virtual Account Maybank	No specific requirements	Min: IDR 1 Max: IDR 10,000,000,000 for same bank, IDR 200,000,000 for interbank
Virtual Account Sinarmas	No specific requirements	Min: IDR 1 Max: IDR 5,000,000,000 for same bank, IDR 50,000,000 for interbank
Virtual Account BTN	No specific requirements	Min: IDR 1 Max: IDR 9,999,999,999
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

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

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

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
Indodana	No specific requirements	Min: IDR 10,000

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

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

{% 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 %} --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.doku.com/accept-payments/payment-methods/requirements-and-limitations.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.