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  • Key Features
  • Activate Split Settlement
  • Configure Split Settlement
  • Cancel Split Settlement
  • Troubleshooting
  • Invalid Split Settlement Bank Account
  • Notable Rule
  • Status Mapping
  • FAQ

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  1. Get Started
  2. Manage Business
  3. Manage Finances
  4. Custom Settlement

Split Settlement

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Last updated 16 days ago

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Split Settlement is a feature that allows you to split the amount of the transaction into more than one settlement bank account. It's an ideal solution for merchants requiring customized settlement rules that can be used for marketplaces, platforms, franchises, as well as businesses with multiple branches.

Split Settlement can be configured based on a percentage or a fixed amount. Split Settlement can be set up either via API or DOKU Dashboard for every successful transaction that occurred on the same day.


Key Features

  • Rule-based Splitting: Define rules to automatically distribute funds among various recipients.

  • Real-time Settlements: Enjoy the convenience of instantaneous fund transfers as transactions occur.

  • Customizable Thresholds: Set specific criteria for splitting funds, ensuring flexibility in financial management.


Activate Split Settlement

You can activate split settlement by following the steps below:

  1. Log in to , and then access the side navigation bar

  2. Select Settings from the menu

  3. Settings page will appear. Under Account section, select Service

  4. On Service page, click ADD SERVICE

  5. A pop-up window will appear with service options. Scroll down to find Financial Services. Check the Split Settlement checkbox and click Activate

  6. Ensure that the Split Settlement service appears on the Service page

  7. Split Settlement service will have the status UPDATING when it is first added, and once it has been verified by DOKU, the status will change to ACTIVE.


Configure Split Settlement

You can configure split settlement or update existing configuration to transactions using DOKU Dashboard by following the steps below:

  1. Select Reports from the menu, then choose Reconciled Transactions

  2. Filter transactions with the status "Payment Success", then click search

  3. Once the relevant transactions appear, locate the action table on the right side

  4. Click the "⁝" icon in the action column

  5. A pop-up will appear; select "Settlement Configuration"

  6. Details of the transaction and the destination bank account will be shown

  7. Click "Split Transaction" in the pop-up box

  8. To add more bank accounts, leave the value field empty and click "Add more bank"

  9. Adjust the bank account destination and split amount as needed.

  10. Select the amount type (fixed amount or percentage) by clicking "Split by"

  11. Add more bank accounts if needed. A maximum of 10 destination bank accounts are allowed

  12. Ensure the following rules are adhered when values are being input for split settlement

    • If "Split by Percent" is selected, the total percentage input must not exceed 100%

    • If "Split by Fixed Amount" is selected, the total input amount must not exceed the "Total Settlement Amount" specified

  13. Click "Save Configuration" to convert the transaction to split settlement. There will be an indicator that your transaction has been marked for split settlement under "Invoice Number" column.


Cancel Split Settlement

Transactions that have been previously configured to be split settled can still be cancelled as long as the transaction status remains as "Payment Success". You can cancel the split settlement of a transaction by following the steps below:

  1. Select Reports from the menu, then choose Reconciled Transactions

  2. Filter transactions with "Payment Success" status and "Split Settlement" set to "Yes," then click "Search"

  3. Select a transaction, proceed to the action menu and click "Settlement Configuration."

  4. Details of the transaction and the destination bank account will be shown

  5. There are two ways to cancel split settlement of a transaction:

    • Click the ⛔ icon next to the bank account until only one account remains, then click "Save Configuration"

    • Alternatively, click "Reset Configuration," then "Save Configuration"

  6. Upon successful cancellation, a success notification will appear, and the split settlement icon will vanish.


Troubleshooting

Invalid Split Settlement Bank Account

An invalid split settlement bank account error occurred due to an incorrect input of the split settlement bank account destination configuration. This caused our system to be unable to process the settlement with the transaction status "Pending Settlement".

  1. Select Reports from the menu, then choose Reconciled Transactions

  2. Filter transactions with "Pending Settlement" status and input the invoice number, then search

  3. Changes can be made if the transaction remark is "Split Settlement Bank Account Invalid." Click "Settlement Configuration" to modify data

  4. A pop-up box will appear that shows the settlement configuration of the transaction, then fill the necessary fields field

  5. After the pop up settlement configuration page appears, fill in the empty bank account field with a valid bank account.

  6. After selecting the desired bank account, click “Save Configuration”

  7. Upon a success configuration, a notification will appear.

Notable Rule

  1. Through split settlement, merchants receive data distribution from several settlement batches based on configured accounts.

  2. If the configured split settlement amount is less than the total settlement amount, the remainder goes to the default account set on the Settlement Settings page.

  3. Configuration changes can only be made for transactions with "Payment Success" and "Pending Settlement" statuses. Transactions with other statuses cannot be changed as the settlement batches have been created.

  4. Refunding a split settlement transaction deducts the split amounts from upcoming batches. Refund fees from DOKU are subtracted from the batch settlement funds. The following is an illustration of how refunding a split settlement transaction is processed.

    • A transaction contains an amount of IDR 100,000 with a fee of IDR 5,000

    • 60% is settled to bank account X

    • 40% is settled to bank account Y

    If a refund occurs, the amount transferred to bank account X is reduced by IDR 60,000 and bank account Y is reduced by IDR 40,000.

  5. Refund fees are deducted from batch settlements recorded on Settlement Settings page.

Status Mapping

  • Payment Success: Successfully recorded transactions in the DOKU system, to be distributed to merchants per configured settings.

  • Pending Settlement: Successful transactions reconciled between DOKU & Acquirer but pending due to incorrect transaction information or configuration.

  • Total Settlement Amount: Net transaction value DOKU will distribute to the merchant.


FAQ

Can I make split settlement with API?
Can I make a split settlement to an overseas bank account and a local bank account?

No, split settlement between an overseas bank account and a local bank account is not supported. You can only split settlements under the following conditions:

  • Between multiple local bank accounts (e.g., BCA and Mandiri within Indonesia)

  • Between multiple overseas bank accounts (e.g., DBS Singapore and UOB Singapore)

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Split Settlement API Reference