🇮🇩 Requirements and Limitations

Payment method activation requirements and transaction limits in Indonesia

This page outlines the technical, business, and regulatory requirements, as well as the transaction limitations, for each supported payment method in Indonesia.

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

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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: 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

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

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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