Manage Finances

Manage settlement bank accounts and fund disbursements

Add a New Bank Account

You can add a new bank account for settlement by following the steps below:

1. Log in to DOKU Dashboard, and then access the side navigation bar
2. Select Settings from the menu
3. Settings page will appear. Under Account section, select Bank Account
4. Bank Account page will appear, then click Add
5. Select whether to add a Local (Indonesian) or Overseas bank account
6. Complete the bank account information and click Submit for verification.

Your newly registered bank account for settlement will be reviewed. The verification process may take up to 1×24 hours.

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Edit a Bank Account

If your bank account verification has been rejected and you would like to update your bank details, you can revise your settlement bank account information by following the steps below:

1. Log in to DOKU Dashboard, and then access the side navigation bar
2. Select Settings from the menu
3. Settings page will appear. Under Account section, select Bank Account
4. Bank Account page will appear. Find the bank account you want to edit, then click the ellipsis ( ⋮ ) icon on the far right and select Edit
5. Adjust the necessary details and click Submit for verification.

Your newly updated settlement bank account will be reviewed. The verification process may take up to 1×24 hours.

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Select a Bank Account for Settlement

You can check and select your settlement bank account by following the steps below:

1. Log in to DOKU Dashboard, and then access the side navigation bar
2. Select Settings from the menu
3. Settings page will appear. Under Finance Settings section, select Settlement
4. Settlement Settings page will appear. Under the Settlement Destination section, verify the displayed bank account. If you wish to change it, click Edit and select Edit Settlement Configuration
5. Select the preferred bank account for settlement and click Save.

The next settlement batch will be directed to the newly selected bank account. These same steps apply whether you're selecting a bank account for the first time or changing an existing settlement bank account. The updated account will be used for the next settlement batch.

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Check Payment Method Fees

You can check the fee that is charged to you for each payment method that you activated by following the steps below:

1. Log in to DOKU Dashboard, and then access the side navigation bar
2. Select Settings from the menu
3. Under Finance Settings tab, select Fee Scheme
4. Fee Scheme page will appear, where you can view the applicable fees for each activated payment method.

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Check Transaction Fees

You can check the fee that is charged to you for each payment method that you activated by following the steps below:

1. Log in to DOKU Dashboard, and then access the side navigation bar
2. Select Reports from the menu, then choose Reconciled Transactions
3. Reconciled Transactions page will appear, and you will find the transaction fee under Total Fee (IDR) column.

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FAQ

Why is my bank account rejected?

There are several reasons why your bank account may be rejected. Common reasons include:

• Mismatch of account name – The name on the bank account must match the registered business or the owner's name.
• Incorrect or incomplete bank details – For example, an invalid account number or missing branch code.
• Unsupported bank – The provided bank may not be supported for settlements.
• Suspicious or high-risk account activity – Our risk team may flag accounts associated with unusual or inconsistent transaction behavior.

Can the settlement bank account name be different from my name or my business name?

The eligibility of the settlement bank account name depends on the type of your Business Account:

• For Personal Merchants: The bank account name used for settlement must match the account holder's name.
• For Corporate and International Merchants: The bank account name must match either:

  • The registered business name, or
  • The name of a listed business owner (as stated in your official business registration documents).

If the bank account name differs from both, you may submit a fund transfer authorization letter for consideration. However, please note that such requests are subject to approval and are highly likely to be rejected due to compliance policies.

How to withdraw balance of settlement funds to my bank account?

All settlement disbursements are processed automatically to your registered bank account after a successful transaction. Therefore, you are not required to manually withdraw your settlement funds. If you would like to check the status of your transaction and when the funds will be transferred to you, you may do so by following the steps below:

1. Log in to your DOKU Dashboard
2. Navigate to Reports > Reconciled Transactions
3. Review the Settlement Schedule field.

What is the settlement time?

Settlement periods vary based on the payment method used for the transaction. Visit Settlement Time for detailed schedules.

Can I add more than one settlement bank account?

Yes, you can register as many settlement bank accounts as needed. However, please ensure that the account holder’s name matches your registered business name. Bank accounts with mismatched names will be rejected during the verification process.

Can I set a different settlement bank account for a specific payment method?

Yes, you can do so by following the steps below:

1. Log in to DOKU Dashboard, and then access the side navigation bar
2. Select Settings from the menu
3. Settings page will appear. Under Finance Settings section, select Settlement
4. Settlement Settings page will appear, then check under Payment Method section and click Edit for the payment method that you want to configure bank account settlement
5. Select a bank account for settlement, then click Submit

The next settlement batch for that payment method will be directed to the newly selected bank account.

Can DOKU settle funds in other currencies besides IDR?

As an Indonesian Payment Service Provider company with a disbursement and remittance license, DOKU supports settlement of funds in IDR, USD, SGD, and MYR.

Please note that settlement in other currencies besides IDR will not follow the regular settlement schedule.

I did not receive my settlement funds. What should I do?

Your transactions might not be settled due to the following reasons:

• Your business account has not been verified
• The bank account that you registered is invalid
• The settlement bank account has not been set

To check if your transaction is being held:

1. Log in to your DOKU Dashboard
2. Navigate to Reports > Reconciled Transactions
3. Review the Settlement Schedule field. If the status is Hold, it means your transaction is pending settlement.

If you find your transaction to be on Hold despite your business account and bank account have been verified, please submit a support ticket.

Why are my transaction funds settled to the wrong bank account?

Incorrect settlement may occur if the wrong bank account has been selected during configuration. You can resolve this by verifying that the correct bank account is selected under the Settlement Settings. Visit Select a Bank Account for Settlement for instructions.

Can I split the settlement to multiple bank accounts?

Yes, DOKU supports settlement splitting into multiple bank accounts. However, all accounts must be located within the same country group:

• You can split settlement between two or more local bank accounts (within Indonesia)
• You can split settlement between two or more overseas bank accounts (outside Indonesia)
• Mixing local and overseas accounts for settlement splitting is not supported

Is there a minimum settlement amount?

A minimum settlement threshold of IDR 165,000,000 is required for merchants using non-Indonesian (foreign) bank accounts. Transfer fees apply and are deducted from the settlement amount.

This policy does not apply to merchants with a local (Indonesian) bank account, who are eligible for settlement without a minimum threshold.

Can DOKU make settlements using cryptocurrency?

No, DOKU does not support settlements in cryptocurrency. DOKU supports settlement of funds in IDR, USD, SGD, and MYR.