> 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/get-started/manage-business/manage-payment-methods.md). # Manage Payment Methods Configure and customize available payment options for your customers ## Activate Payment Methods You can activate payment methods for your business by following the steps below: 1. Log in to [DOKU Dashboard](https://dashboard.doku.com/bo/login?utm_source=docs), 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. Select the payment method you would like to activate 6. Click **ACTIVATE**. Notes: * Some payment methods can be activated instantly. * Others may require approval from our **Risk Screening Team** before they become active. * Certain payment methods may also require **credential registration** before activation is complete. * Certain payment methods may be seen as disabled, because it can only be activated with the assistance of our Sales team. You may contact our Sales team by filling the following [form](https://www.doku.com/en-US/contact-sales?utm_source=docs). *** ## Configure Payment Methods In this section, you will learn how to configure features for each payment method along with specific configuration steps, such as setting up your merchant prefix name for Bank Transfers and country BIN for Cards, and ensuring each payment method is tailored to your business needs. ### Cards #### Country BIN You can filter which countries are allowed for card transactions to be processed by following the steps below: 1. Log in to [DOKU Dashboard](https://dashboard.doku.com/bo/login?utm_source=docs), and then access the side navigation bar 2. Select **Settings** from the menu 3. **Settings** page will appear. Under **Payment Configuration** section, select **Cards** 4. **Cards Settings** page will appear, then click **Payment Configuration** tab 5. **Payment Configuration** tab will appear. Under Country & BIN Filtering section, select either of the two options: (1) Allow all BIN countries or (2) Allow partial countries. Selecting partial countries will require you to select the country of your choice\ ![](https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2Fjcj3XmfVrCQ3uzE2jrzj%2Fimage.png?alt=media\&token=c62314f0-2552-45f9-b88e-da7f308fb554) 6. Click **Save** to submit. *** ### Bank Transfer (Virtual Account) {% hint style="info" %} Availability: 🇮🇩 Indonesian Business Account only {% endhint %} #### Merchant Prefix Name You can configure your prefix name for Virtual Account by following the steps below: 1. Log in to [DOKU Dashboard](https://dashboard.doku.com/bo/login?utm_source=docs), and then access the side navigation bar 2. Select **Settings** from the menu 3. **Settings** page will appear. Under **Payment Configuration** section, select **Virtual Account** 4. **Virtual Account Settings** page will appear, then click **Configure** based on the Virtual Account of your choice 5. A pop-up box will appear where you can add or change the prefix of the Virtual Account to be your business/brand name, then click **SAVE**. *** ### QRIS {% hint style="info" %} Availability: 🇮🇩 Indonesian Business Account only {% endhint %} #### QRIS Credentials QRIS credentials consist of 1. QRIS Client ID, 2. QRIS Shared Key, 3. QRIS Client Secret, 4. MPAN, and 5. NMID. If QRIS payment method has been activated, you can retrieve these credentials by following the steps below: 1. Log in to [DOKU Dashboard](https://dashboard.doku.com/bo/login?utm_source=docs), and then access the side navigation bar 2. Select **Settings** from the menu 3. **Settings** page will appear. Under **Accept Payments** section, select **Checkout Appearance** 4. **Checkout Page Configuration** page will appear, then click **QRIS Credential Settings** tab where you will find the QRIS credentials for your business 5. Click **Save** to save your configuration #### Static QRIS You can view your static QRIS image by following the steps below: 1. Log in to [DOKU Dashboard](https://dashboard.doku.com/bo/login?utm_source=docs), and then access the side navigation bar 2. Select **Settings** from the menu 3. **Settings** page will appear. Under **Account** section, select **Service** 4. Search for **QRIS** under the Service list, and then select **See Details** 5. A pop-up box will appear where your static QRIS image can be seen.\ ![](https://1457116080-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FWIsxU2UGMS7iidoMSuyz%2Fuploads%2F9zth7eqG2u1wTuxKv5fZ%2Fimage.png?alt=media\&token=354dcbf8-9d62-414a-9fba-827d7b73d9e0) {% hint style="info" %} The static QRIS image becomes available once the payment method is activated. {% endhint %} *** ## FAQ ### Activation
What payment methods are available by default? 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
Why are some payment methods missing from the payment method activation list? The availability of payment methods depends on your account type. Certain payment methods are only accessible to specific account types. For example, merchants with a Personal account type will not see or be able to activate Virtual Account BCA. If you wish to access additional payment methods, consider registering a new account with a different account type that meets the eligibility requirements.
Why are some payment methods disabled? Certain payment methods require you to sign an agreement with DOKU to be enabled. If you wish to enable those payment methods, please contact our Sales team by filling the following [form](https://www.doku.com/en-US/contact-sales?utm_source=docs).
How to activate credit card installments? Simply follow the guide on [#activate-payment-methods](#activate-payment-methods "mention"), and ensure that Installments are selected. Please note that **Cards** payment method with **Regular Sale** type must be activated before you can activate **Installments**.
Why is my payment method status still "Updating"? First, please ensure that your Business Account has been verified. Payment method activation will not move forward until your Business Account passes verification and risk screening. If your Business Account is not yet verified, the application for any payment method will remain pending. The "Updating" status may also indicate that the activation process is still in progress. Certain payment methods require merchant ID or credentials from the respective bank/payment channel in order for the payment method to be activated. If your payment method status is still "Updating" (pending), the bank/payment channel is still in the process of creating your merchant ID or credentials. Please contact your account manager or sales representative for assistance.
How long do I need to wait for the payment method to be activated? Some payment methods can be activated instantly. Some payment methods require merchant ID or credentials from the respective bank/payment channel in order for the payment method to be activated. This process may take 7-14 working days depending on the payment method. Please contact your account manager or sales representative for assistance.
How to check whether my payment method has been activated? You will be notified via email once any payment method has been activated. You may also check the payment method status by following the steps below: 1. Log in to [DOKU Dashboard](https://dashboard.doku.com/bo/login?utm_source=docs), and then access the side navigation bar 2. Select **Settings** 3. Under **Business Info** section, select **Service** 4. **Service** page will appear where you may find all the list of payment methods that you have activated. If your payment method has been activated, the status will be **ACTIVE**
How to check the transaction fees charged for each payment method? 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](https://dashboard.doku.com/bo/login?utm_source=docs), 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 check the fee that is charged to you based on each payment method that you activated.
How to activate QRIS in the staging environment (DOKU Sandbox)? QRIS is not supported in DOKU Sandbox. Consequently, QRIS credentials cannot be used in sandbox, and no QRIS transaction simulator is available. Registration, issuance, and usage of QRIS credentials are strictly limited to the live (production) environment.
### Rejection and Eligibility #### Cards
Why was my Credit Card activation request rejected? Your Credit Card activation request may be rejected if the information submitted does not sufficiently demonstrate your business operations or if the required merchant information is incomplete. Common reasons include: * Your business has not started operating. * There is insufficient proof of actual customer activity. * Required Business Operational Proof is missing. * Merchant information is incomplete or unavailable. * The submitted proof does not clearly demonstrate the relationship between your business and its customers. For more information about the proof you can submit, [**see what Business Operational Proof you can provide based on your business type ↗**](#what-business-operational-proof-can-i-submit-based-on-my-business-type). If your business has not started operating yet, [**see why this may result in a rejected Credit Card activation request ↗**](#why-was-my-credit-card-activation-request-rejected-because-my-business-has-not-started-operating).
What do I need to submit for Credit Card activation? You need to provide two types of information. **1. Business Operational Proof** Business Operational Proof should demonstrate that your business has actual sales activity or provides services to customers.
Proof TypeExamples
Proof of CommunicationEmail, chat, WhatsApp, or customer support tickets
Proof of Order / PaymentInvoice, order, billing, or payment records
Proof of Delivery / Service CompletionShipping receipt, proof of completed service, or service activation
Proof of ReceiptProof that the customer received the product or service
**2. Merchant Information** Your customers should be able to access information about your business, including: * Customer Support * Terms & Conditions * Refund Policy The specific proof you need may vary depending on your business model. For examples based on different business types, [**see what Business Operational Proof you can submit** ↗](#what-business-operational-proof-can-i-submit-based-on-my-business-type).
What Business Operational Proof can I submit based on my business type? You can submit screenshots, photos, or digital files that demonstrate your actual business activity. The proof does not have to be a formal document.
Business TypeExamples of Business Operational Proof
SaaS / Digital PlatformCustomer emails, WhatsApp conversations, support tickets, subscription invoices, billing records, payment records, activated account screenshots, service activation confirmation
E-commerce / Online StoreCustomer communication, invoices, order records, payment records, shipping receipts, tracking information, completed order status, customer reviews
Hospitality / Hotel / VillaReservation confirmations, booking invoices, payment records, check-in or check-out records, guest communication, guest reviews
Travel Agent / Tour & ActivityTour invoices, booking confirmations, payment records, e-tickets, vouchers, final itineraries, participant feedback
Agency / ConsultantClient communication, project invoices, payment records, UAT Acceptance Forms, project sign-off documents, handover documents, client acceptance confirmation
The proof should demonstrate actual business activity and the relationship between your business and its customers.
Why was my Credit Card activation request rejected because my business has not started operating? Credit Card activation requires proof that your business has already started operating and has actual interactions or transactions with customers. If your business has not started operating, you may not have sufficient Business Operational Proof to demonstrate actual business activity. Examples of Business Operational Proof include: * Customer communication * Invoices or orders * Payment records * Shipping records * Proof of service completion * Proof that customers have received the product or service Once your business has started operating and you have relevant proof, you can submit a new Credit Card activation request. For more information about the types of proof you can provide, [**see Business Operational Proof examples by business type** ↗](#what-business-operational-proof-can-i-submit-based-on-my-business-type).
#### QRIS
Why was my QRIS application rejected? Your QRIS application may be rejected if the information submitted does not match your actual business activity. Common reasons include: * Merchant name does not clearly represent the business. * Merchant Category Code (MCC) does not match the main business activity. * Merchant name and MCC are inconsistent. * Business information or documents are incomplete. * The products or services offered do not match the submitted business category. To better understand which MCC may be appropriate for your business, [**see common MCCs for different business types** ↗](#what-are-some-common-mccs-for-different-business-types). To learn how your merchant name and MCC should represent your business consistently, [**see how to choose your merchant name and MCC** ↗](#how-should-i-choose-my-merchant-name-and-mcc). Review your business information and make sure your merchant name, MCC, products or services, and business documents consistently represent the same business activity. If the rejection reason specifically mentions MCC, review the MCC selected for your business or contact DOKU Customer Support for assistance.
What are some common MCCs for different business types? MCC (Merchant Category Code) is used to categorize a merchant based on its business activity. Select the MCC that best represents your **main business activity**, rather than choosing one based only on a specific product you sell. Here are some examples of common MCCs:
Business TypeMCCExample Merchant Name
Restaurant5812Dapur Nusantara Restaurant
Fast Food5814Ayam Crispy Express
Catering5811Dapur Ibu Catering
Bakery5462Roti Manis Bakery
Supermarket5411Sejahtera Supermarket
Clothing Store5651Raka Fashion Store
Shoe Store5661StepUp Shoes
Electronics Store5732Sinar Elektronik
Computer Store5045Prima Computer
Book Store5942Cerdas Bookstore
Pharmacy5912Sehat Sentosa Pharmacy
Hotel7011Hotel Nusantara
Hair Salon7230Ricky Hair Studio
Photographic Studio7221Komorebi Photobooth
Automotive Repair7538Maju Jaya Motor Service
Home Furnishing Store5712Rumah Kita Home Store
> **Note:** The MCC examples above are provided as general references. The MCC available during your application may depend on the applicable classification and verification process. If you are unsure which MCC is appropriate, contact DOKU Support for assistance.
How should I choose my merchant name and MCC? Your merchant name and MCC should clearly and consistently represent your business activity. If your brand name does not clearly describe your business, consider adding information about the type of business you operate. | Business Type | Merchant Name | MCC | | ----------------- | -------------------------- | ---- | | Photobooth | Komorebi Photobooth | 7221 | | Hair Salon | Ricky Hair Studio | 7230 | | Restaurant | Dapur Nusantara Restaurant | 5812 | | Clothing Store | Raka Fashion Store | 5651 | | Electronics Store | Sinar Elektronik | 5732 | For example, if your business is a photobooth service: **Less informative:** > Merchant Name: Komorebi\ > MCC: 5812 (Restaurant) **More appropriate:** > Merchant Name: Komorebi Photobooth\ > MCC: 7221 (Photographic Studio) The merchant name and MCC should provide a consistent representation of your business activity. {% hint style="warning" %} **Important:** Choose the MCC based on your **main business activity**, not simply based on the products you sell. {% endhint %}
What should I do after my QRIS application is rejected? First, check the rejection reason shown in your DOKU Dashboard. If the rejection is related to your merchant information or MCC: 1. **Review the rejection reason** and identify the information that needs to be corrected. 2. **Correct the relevant business information.** For MCC-related issues, [**review the common MCCs for different business types** ↗](#what-are-some-common-mccs-for-different-business-types). For merchant name or MCC consistency, [**learn how to choose your merchant name and MCC** ↗](#how-should-i-choose-my-merchant-name-and-mcc). 3. **Make sure your business information is consistent**, including your merchant name, MCC, business activity, products or services, and supporting documents. 4. **Submit your QRIS application again** after the issue has been resolved.
### Features
What is the difference between On-us and Off-us in Card payments? In Card payments, **On-us** and **Off-us** refer to whether the card-issuing bank and the acquiring bank (payment processor) are the same or different: * **On-us**: The cardholder’s bank and the acquiring bank are the **same**. Transactions are typically processed faster and may have lower fees or higher approval rates. * **Off-us**: The cardholder’s bank and the acquiring bank are **different**. These transactions are routed through interbank networks (e.g., Visa, Mastercard), and may take slightly longer to process or incur additional fees. This distinction is important for settlement timelines, transaction costs, and approval rates in card payment processing.
What is the difference between DGPC, MGPC, and DIPC in Virtual Account? | **Feature Type** | **Description** | | -------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | DOKU Generated Payment Code (DGPC) |

Merchant sends a payment request to DOKU, and DOKU will create the unique payment code and send it to Merchant.
This is suitable for an e-commerce business model.

| | Merchant Generated Payment Code (MGPC) |

Merchant generates their own payment code and forwards the payment code to DOKU.

This is suitable for a top-up payment.

| | Direct Inquiry Payment Code (DIPC) |

Merchant first registers the payment code, and DOKU will forward the inquiry request to Merchant when a customer chooses to make a payment.

This is suitable for a top-up payment, especially for static Virtual Account.

| The default feature type for any payment method is DGPC. When another feature is activated, you will have to choose which feature will you be using for a particular transaction. You can have more than one feature activated for 1 payment method, but a transaction cannot be generated with 2 features at the same time. If you would like to use MGPC or DIPC, you may contact your account manager or [submit a ticket](https://help.doku.com/en/support/tickets/new) to DOKU Care to activate the feature.
Can I change the merchant name that is shown on the receipt for Convenience Store (Alfa Group and Indomaret) payment methods? Yes, you can request to change the merchant name shown on receipts for convenience store payments. Please contact your dedicated account manager for this request. If you do not have an account manager, please fill and submit [this](https://www.doku.com/en-US/contact-sales?utm_source=docs) form.
--- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.doku.com/get-started/manage-business/manage-payment-methods.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.