> For the complete documentation index, see [llms.txt](https://docs.doku.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.doku.com/changelog/october-2025/qris-support-for-smart-account-configuration-sac-and-split-settlement.md).

# QRIS Support for Smart Account Configuration (SAC) & Split Settlement

Effective Date: October 22nd, 2025

QRIS now supports Smart Account Configuration (SAC) and Split Settlement, enabling merchants to automatically distribute settlement funds to multiple bank accounts based on predefined allocation rules.

This enhancement helps businesses automate settlement distribution without manual fund transfers, making reconciliation and operational processes more efficient..

***

### 🔍 What’s New?

QRIS transactions now support:

* Smart Account Configuration (SAC)
* Automatic Split Settlement
* Settlement distribution to multiple destination bank accounts
* Percentage-based settlement allocation

***

###  🚀 How it Works

#### 🔄 **Before This Update**

QRIS settlement was transferred to a single settlement account, requiring merchants to manually distribute funds when multiple beneficiaries were involved.

Process :

1. Customer completes payment via QRIS.
2. Settlement is transferred to one bank account.
3. Merchant manually distributes funds to other beneficiaries..

#### 🆕 **After This Update**

With SAC and Split Settlement, QRIS settlement can now be automatically divided across multiple destination bank accounts based on predefined percentage allocations.

Proces:

1. Customer completes payment via QRIS.
2. QRIS settlement is received.
3. DOKU automatically distributes funds to multiple settlement accounts according to the configured percentage.

***

### ✅ Key Details

**Percentage-Based Allocation**\
Settlement distribution currently supports Percentage as the allocation method.

**Multiple Settlement Accounts**\
Funds can be routed to multiple registered settlement bank accounts automatically.

***

### ⚠️ Important Notes

* This feature is available only for merchants with **Smart Account Configuration (SAC)** enabled.
* Merchants must have active settlement bank accounts configured before using Split Settlement.
* Ensure settlement rules are configured correctly to allow the distribution process to run as expected.

  ###

***

For assistance, please contact our Care Team at <care@doku.com> or (021) 1500963.

***

Thank you and best regards,\
**DOKU Product Team**


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