Sub Account V2 - Unified Ledger

Effective Date: 1 September 2026

DOKU Unified Ledger enables merchants to record and track non-cash values alongside their existing sub-account balances.

Each sub-account can now hold Points as a third balance alongside IDR and Pending IDR, giving businesses a more connected way to manage different types of value within their operations. Read more in DOKU Documentation...

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🔍 What’s New?

With Unified Ledger, Points can now be recorded and managed as part of a sub-account balance.

Each sub-account can have:

• IDR
• Pending IDR
• Points

Points can be used to represent non-cash value that needs to be tracked within the business.

For example, businesses can use Points to represent loyalty points, store credit, or agent balances.

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💡 Why It Matters

Businesses often manage different types of value beyond actual money. Without a centralized way to record them, these values may need to be managed separately.

Unified Ledger brings these records into the same sub-account structure, making it easier to track different types of value in one place.

For Merchants

• Record non-cash value alongside sub-account balances
• Manage Points within individual sub-accounts
• Support loyalty, credit, or agent balance use cases
• Keep different types of value organized within one system
• Build a more connected view of balances across sub-accounts

For Customers

• Reduce the need to maintain separate value records
• Make it easier to track balances across different business entities
• Connect non-cash records with existing sub-account structur

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🚀 How It Works

🔄 Before

Businesses that need to track loyalty points, store credits, or agent balances may need to maintain these records separately from their DOKU sub-account balances.

This can make it harder to maintain a connected view of different types of value.

🆕 After

With Unified Ledger, Points can be recorded directly within the sub-account alongside IDR and Pending IDR.

For example:

Sub-Account A

• IDR: 1,000,000
• Pending IDR: 250,000
• Points: 5,000

This allows merchants to track different types of value within the same sub-account structure.

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⚙️ Try Sandbox Demo

You can explore Unified Ledger through the DOKU Sandbox demo without additional account setup.

Try the Unified Ledger Demo →https://sandbox.doku.com/demo/sub-account

For more information about Sub-Account and Unified Ledger, refer to the DOKU API References and DOKU Documentation.

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🎨 Customize Your Checkout

The Mobile Checkout SDK supports customization of the secondary color.

The selected color is reflected in elements such as:

• Button colors
• Highlighted text

This allows merchants to align selected parts of the checkout experience with their brand.

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🎯 Potential Use Cases

Unified Ledger can support businesses that need to manage different types of non-cash value, such as:

• Loyalty & Rewards record customer or member loyalty points.
• Store Credit track credit balances that customers can use for future purchases.
• Agent / Reseller Balances record prepaid or operational balances assigned to agents.
• Multi-Entity Operations maintain different value records across sub-accounts.
• Digital Platforms track non-cash value alongside operational balances.

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⚠️ Important Notes

• Points is a non-cash balance and does not represent funds settled through DOKU.
• Unified Ledger is designed for recording and tracking value, not moving funds.
• For fund movement and payment routing, use Collect & Route.
• IDR and Pending IDR remain available alongside Points within the sub-account.

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For assistance, contact our Care Team at [e-mail] or [phone].

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Thank you and best regards, DOKU Product Team