🇮🇩 Business Account

Have your Indonesian Business Account verified to unlock all DOKU Dashboard features

Once you have created your DOKU Business Account, you can proceed by activating your Business Account. To activate your account, you will need to complete the following four stages:

1. Choose Business Account Type

2. Submit Business Data

3. Upload Documents

4. Wait for Account Verification

---

1. Choose Business Account Type

There are 3 different types of Business Account you can choose from. You are free to choose the Business Account that best suits your business.

Business Account Type	Definition	Examples
Corporate	Merchants with a legal business entity in Indonesia	Legal Entities: BLU (Badan Layanan Umum) BUMN (Badan Usaha Milik Negara) CV (Commanditaire Venootschap) Cooperation Firm Foundation Legal Entity Association PP (Persekutuan Perdata) PT (Perseroan Terbatas) PTN-BH (Perguruan Tinggi Negeri Badan Hukum) UD (Usaha Dagang)
International	Merchants with a legal business entity outside Indonesia	Legal Entities: Private Limited Limited Liability Company (LLC) Limited Liability Partnership (LLP) Public Limited Company (PLC) Limited (Ltd.) Incorporated Corporation Sdn. Bhd. (Sendirian Berhad) Sdn. (Sendirian) Bhd. (Berhad)
Personal	Merchants without any legal business entity	Home-based businesses, Food Stalls, Online Sellers, Freelancers, and Content Creators

---

2. Submit Business Data

Each type of Business Account has different business data requirements.

Data Type	Corporate	International	Personal
User Data	- Full Name - Email Address - Password - Phone Number	- Full Name - Email Address - Password - Phone Number	- Full Name - Email Address - Password - Phone Number
Owner’s Data	- Full Name - Nationality - Position - Phone Number - Email Address - ID Card Number (KTP for Indonesian, KITAS for non-Indonesian) - Passport	- Full Name - Nationality - Position - Phone Number - Email Address - Passport	- Full Name - Nationality - Phone Number - Email Address - ID Card Number (KTP) - Self Photo with ID Card
Business Data	- Business Entity Name - Business Type (e.g., PT, CV, PO, etc.) - Phone Number - Business Postal Code and Address - Business Location Photo	- Business Entity Name - Business Type (e.g., Pvt Ltd) - Phone Number - Business Postal Code and Address - Business Location Photo	N/A
Brand Data	- Brand Name - Line of Business - Description - Estimated TPT and TPV - Social Media Links (Website, Facebook, Twitter, Instagram, App Store/Play Store) - Brand Logo	- Brand Name - Line of Business - Description - Estimated TPT and TPV - Social Media Links (Website, Facebook, Twitter, Instagram, App Store/Play Store) - Brand Logo	- Brand Name - Line of Business - Description - Estimated TPT and TPV - Social Media Links (Website, Facebook, Twitter, Instagram, App Store/Play Store) - Brand Logo
Bank Account Data	- Bank Name - Bank Account Name - Bank Account Number - Currency	- Bank Name - Bank Account Name - Bank Account Number - Bank Country - Currency - SWIFT Code	- Bank Name - Bank Account Name - Bank Account Number - Currency

Business/Brand Proof Guidelines

Submitting proof of your business’s legitimacy is essential to build trust and ensure compliance with DOKU’s policies. Proof of legitimacy can take one of three forms: location, activity, or product/service. Below are the details for each type of proof:

Business Proof Type	Photo Description
Location (Place of Business)	Exterior or interior photos of the establishment (for instance: storefront, office, factory, or workstations) with a board that shows the company's name or logo
Activity	Evidence showcasing business activities and engagements in forms such as: Photos or videos of highlighting the business activities with the owner(s) or employee(s) of the company. Events, press releases, media coverage, or articles featuring the company. Marketing campaigns, advertisements, social media posts or content showcasing customer engagement and community support initiatives. Order invoices, client testimonials, financial statements, transaction records, or sales reports validating business activity and revenue. Contracts or agreements with clients, suppliers, or partners confirming ongoing business relationships. Awards, recognitions, or industry certifications showcasing business achievements and credibility.
Product or Service	Evidence of products/services that are offered by the company in forms such as: High-quality images showcasing product/service variations and features. Screenshots or videos demonstrating the functionality of digital platforms, websites, software, or apps. Online store screenshots displaying product listings with prices and descriptions. Portfolio or catalog highlighting offered products or services. Transaction flow diagram illustrating transactions (either offline or online) of the product/service .

Additional Requirements for Specified Lines of Business

1. Agriculture

• Requirements: Photos of the farm, crops, equipment or agricultural activities.

1. Charity

• Requirements: Photos of the charity events, beneficiaries, and/or registration certificate.

1. Digital and Game

• Requirements: Screenshots of the platform, game interface, and/or user engagement.

1. Education

• Requirements: Photos of the educational institution, classrooms, students (if applicable), educational activites, and/or accreditation certificate.

1. Event Organizer

• Requirements: Photos of events organized, venues, and promotional materials.

1. Hospitality

• Requirements: Photos of the establishment (hotel, resort, hostel), rooms, and amenities.

1. Logistics

• Requirements: Photos of the warehouse, transportation fleet, and storage facilities.

1. Manufacture

• Requirements: Photos of the manufacturing facility, production line, and products.

1. Transportation

• Requirements: Photos of the vehicles, transportation hubs, and logistics operations.

1. Airlines

• Requirements: Photos of the aircraft fleet, boarding areas, ticketing counters, and airline operations.

Submission Tips

• It is not mandatory to submit photos for each proof type (location, activity, and product/service), but it is highly advisable as it expedites the verification process.

• Location photos cannot be sourced from Google Maps.

• Photos must be clear, well-lit, and sharply focused.

• Screenshots containing text, images, and any details must be visible and readable.

• The submitted proof should directly substantiate the legitimacy of your business within the specified category, aligning with the data provided during business account setup.

All data submitted to DOKU are encrypted and protected. Please check our Privacy Policy for the full details.

---

3. Upload Documents

You are required to upload your legal documents to complete the onboarding process. The document requirements vary for each Business Account type.

Corporate

• NIB (Nomor Induk Berusaha)

• Akta Pendirian dan Perubahan Perusahaan

• SK Kemenkumham dan Perubahan Perusahaan

• Business Proof Photo (Location/Activity/Product)

• NPWP (Nomor Pokok Wajib Pajak)

• ID Card of Director (KTP for Indonesian, KITAS for non-Indonesian)

For certain line of business, there will be an additional document(s) that is required to be submitted as such:

Business Line	Additional Required Documents
Capital Market	BAPPEBTI License (Badan Pengawas Perdagangan Berjangka Komoditi)
Charity	Surat Izin PUB (Pengumpulan Uang dan Barang) from the Ministry of Social Affairs
Education	License from the Ministry of Education, Culture, Research, and Technology or from any Education Authorities
Event Organizer	Surat Izin from BOPI (Badan Olahraga Professional Indonesia) Surat Izin Keramaian from the Police Department
Food and Beverage	Surat Izin from BPOM (Badan Pengawas Obat dan Makanan) Halal License from MUI (Majelis Ulama Indonesia)
Peer-to-peer Lending	Tanda Daftar Penyelenggara Sistem Elektronik from the Ministry of Communication and Information Technology License from OJK (Otoritas Jasa Keuangan)
Pharmacy	Surat Izin BPOM (Badan Pengawas Obat dan Makanan) Surat Izin Edar Alat Kesehatan from the Ministry of Health Department
Retail	License from an Authorized Distributor
Travel Agency	Sertifikat Keanggotaan Asita (Association of the Indonesian Tours and Travel Agencies) Surat Izin Penyelenggaraan Ibadah Haji dan Umrah from the Ministry of Religious Affairs
Internet Service Provider (ISP), Telecommunication, or Cloud Hosting	Certificate from KOMINFO
Cigarettes, e-Cigarettes, and Tobacco Products	License from Directorate General of Customs and Excise (Bea Cukai)
Payment Service Provider (PSP) or PJSP	License from Bank Indonesia

International

Personal

Before you upload and submit the documents for account registration, please ensure that the documents are

1. Readable, not blurry;

2. Uncensored;

3. Not expired; and

4. Owned by the company, the business entity name has to be written on the document.

Document Limitations

• Formats: PDF, JPG, JPEG, PNG

• Size: Maximum of 15 MB

---

4. Wait for Account Verification

Once you have successfully uploaded all of the required documents, your Business Account will undergo a verification process that may take up to 48 hours. You'll be notified via email once the process is complete. If no notification is received after this period of time, please submit a ticket to DOKU Care or send an email to [email protected].

Tips If your Business Account type is Personal or Corporate, you don't need to wait for your Business Account to be verified to start accepting payments. However, we will only process the funds settlement after your business account has been verified.

---

FAQ

My file/document is failed to be uploaded. What should I do?

Your file might fail to be uploaded due to the following reasons:

1. The file format is invalid

2. The file size is too big

3. The file is corrupted

Please ensure that your documents follow the below rules.

1. The file format is either PDF, PNG, JPG, or JPEG

2. The file size less than 15 MB

3. The file can be accessed and opened

When can I start accepting payments?

Your ability to accept payments depends on your Business Account type:

• For Personal and Corporate Merchants: You can start accepting payments immediately after activating your Business Account — verification is not required to begin receiving payments. However, please note that funds will only be settled to your bank account after your Business Account has been successfully verified.

• For International Merchants: You must complete the verification process before you can start accepting payments.

What payment methods are immediately available after completing Business Account registration?

The following payment methods are immediately available upon completing Business Account registration:

1. Virtual Account

2. Alfa Group

3. Indomaret

4. DOKU e-Wallet

5. Akulaku

Is there a limit to how many payments I can receive if my account is not verified?

Yes, unverified Business Accounts have restrictions on both the number of transactions and the total transaction volume.

For Corporate accounts: You can receive up to 5 transactions with a maximum total volume of IDR 10,000,000.

For Personal accounts: You can receive up to 5 transactions with a maximum total volume of IDR 1,000,000.

Can I update my Business Account data after submitting account registration?

Yes, you are free to update your business data after you have completed the business account registration, especially if your data or documents have been rejected. However, please note that the verification process of your Business Account may take longer than usual as we would have to review your data from the beginning.

Can my Business Account verification be rejected?

Your Business Account verification may be rejected due to incomplete documents or invalid data. During this time, DOKU will be unable to process your settlement funds in order to comply with Anti-Money Laundering and Countering the Financing of Terrorism (AML/CTF) regulations. DOKU will continue to hold your settlement funds until you are able to submit all the required documents and data.

Is there a limit to how many payments I can receive if my account is not verified?

Yes, unverified Business Accounts have restrictions on both the number of transactions and the total transaction volume.

• For Personal Merchants: You can receive up to 5 transactions with a maximum total volume of IDR 1,000,000.

• For Corporate Merchants: You can receive up to 5 transactions with a maximum total volume of IDR 10,000,000.

• For International Merchants: You must complete the verification process before you can start accepting payments.

Please complete the account verification process via your DOKU Dashboard to lift these limits and continue receiving payments without interruption,

My Business Account verification is rejected after I started accepting payments. What should I do?

If your business account verification was rejected due to incomplete documents or invalid data, DOKU will be unable to process your settlement funds in order to comply with Anti-Money Laundering and Countering the Financing of Terrorism (AML/CTF) regulations.

DOKU will continue to hold your settlement funds until you are able to submit all the required documents and data. Please refer to Activate Business to avoid your business account verification getting rejected.

If you fail to provide all the required documents requested by our team, you may choose to refund the completed transactions to your customers by submitting a support ticket or sending an email to [email protected]. Please make sure to include the following details:

• Your Brand ID

• Invoice Number

• Transaction Date

• Transaction Amount

• Customer's Bank Account

• Amount to be Refunded (Full/Partial)

Why is my Business Account status still "Under Review"?

The "Under Review" status means that your Business Account has not yet been verified because it is still undergoing our internal verification and risk screening process.

If your account has been under review for an extended period, it may be due to one of the following reasons:

• Your submitted business data or documents were rejected.

• You have not updated or resubmitted the required information.

To check and update/resubmit your business data, follow these steps:

1. Log in to the DOKU Dashboard

2. From the side navigation bar, select Settings

3. Under the Account section, click Business Info

4. On the Business Info page, you can review and update your company data, business representative details, and brand information.

A yellow banner will appear under each data tab if your data is still being verified. Click the "View Data Changes" button to see any pending updates. A red banner will appear under each data tab if your data has been rejected. You can view the rejected notes and the specific data that needs to be revised.

To check or update/resubmit your business documents, follow these steps:

1. Log in to the DOKU Dashboard

2. From the side navigation bar, select Settings

3. Under the Account section, click Documents

4. On the Documents page, you can upload the latest legal documents required for your business account.

How to check whether my Business Account has been verified?

You can check your Business Account status by following the steps below:

1. Log in to DOKU Dashboard

2. On the Dashboard page, your current Business Account (Merchant) status will be displayed at the top

"Under Review" means your Business Account has not passed verification yet. If your Business Account has been approved, the status section will no longer appear on the Dashboard.

What should I do after my Business Account has been verified?

Once your DOKU Business Account has been verified, you will be able to access all features and tools available in the DOKU Dashboard, including accepting payments and processing fund settlements.

Can I get a personal assistance from DOKU Team to help me with my Business Account activation?

Absolutely. Please fill and submit the following form. Our team will reach out to you and provide a free consultation to help you successfully activate your Business Account. We will also assist in answering any questions you may have about our products and services.

Can I still proceed with the Business Account registration and activation even if I don't have a website or social media links?

Yes, you can still register a business account without a website or social media presence. However, please note that the risk of rejection is higher, as the lack of online presence may raise concerns during the account verification process. You are recommended to support your application by providing additional documents or proof that your business is legitimate and operational.

Can I change my Business Account type?

No, it is not possible to change Business Account type. Once an account is created as Personal, Corporate, or International, it cannot be converted to another type. This means you cannot switch from Personal to Corporate or International, or vice versa. If you require a different account type, you will need to register a new account with the appropriate classification.

How many web domains can be used under one Business Account?

One Business Account can be used for multiple web domains, as long as all domains are listed in your business data and are related to the registered business legal entity.

Can a non-Indonesian register 'Personal' Business Account?

No. Personal Business Accounts are only available for Indonesian citizens. Non-Indonesian users can register only under a Corporate or International Business Account type.