> 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/cards.md). # Cards Accept card payments from customers using credit or debit cards issued by banks in Indonesia and abroad. ## Overview Cards lets your business accept online card payments through DOKU. Most business start with **Regular Sale** using DOKU's aggregator service, while other transaction types and direct bank arrangements are available for eligible business needs. {% hint style="success" icon="lightbulb" %} **Start accepting card payments with DOKU**\ Regular Sale with DOKU (Aggregator) is the standard way to get started. You can activate it through the DOKU Dashboard without setting up a separate agreement with an acquiring bank. Your initial activation covers **local cards issued in Indonesia (**[**see how to**](https://app.gitbook.com/o/bZnsbvZIGP9rjKqD5CBu/sites/site_FmmmF/s/WIsxU2UGMS7iidoMSuyz/~/edit/~/changes/369/get-started/manage-business/manage-payment-methods/cards#step-3-activate-in-doku-dashboard)**)**. To accept **overseas cards**, set up **Country BIN after approval (**[**see how to**](https://app.gitbook.com/o/bZnsbvZIGP9rjKqD5CBu/sites/site_FmmmF/s/WIsxU2UGMS7iidoMSuyz/~/edit/~/changes/369/get-started/manage-business/manage-payment-methods/cards#configuration)**)**. All card payments are charged in **IDR**. {% endhint %} ### Card Payment Flow

### Activate Cards in 3 Steps 1. [Check Eligibility](#check-eligibility) 2. [Prepare Documents](#prepare-documents) 3. [Activate in DOKU Dashboard](#activate-in-doku-dashboard) ## Activation ### Step 1: Check Eligibility Before activating Cards, make sure your business is operating, your documents are ready, and customers can access the information they need before making a purchase. Make sure the following are ready: * Your DOKU Business Account is registered and verified. * Your business information is complete. * Your business has a legal business document recognized in Indonesia, such as an NIB. * Your business is already operating and has proof of activity with real customers. * Your customer support contact information is publicly accessible. These requirements help DOKU verify that your business is legitimate, actively serving customers, and provides clear information about its products or services. ### Step 2: Prepare Documents DOKU reviews your documents to confirm that your business is legitimate, actively serving customers, and provides clear information about its products or services. Screenshots and digital records are accepted as long as they clearly show the relevant activity. #### Activation Checklist Use this checklist to confirm that your business is ready before request the activation. * [ ] Your business has a valid legal business document recognized in Indonesia. * [ ] Your business is already operating. * [ ] Proof of communication with customers is available. * [ ] An invoice or proof of order is available. * [ ] Proof of payment or transaction is available. * [ ] Proof of delivery or service completion is available. * [ ] Proof that the customer received the goods or service is available. * [ ] Your website or public business page is accessible. * [ ] Customer Support can be reached by customers. * [ ] Terms & Conditions are publicly accessible. * [ ] Refund Policy is publicly accessible. #### **Documents to Prepare** Prepare evidence of your business operations and the information customers need to understand your business and resolve issues.

Type	Document / Information	Examples
Proof of Business Operations	Customer communication	Email, WhatsApp chat, or customer support ticket
	Invoice or order and payment evidence	Invoice, order details, billing record, or proof of payment
	Proof of delivery or service completion	Shipping receipt, service completion evidence, or service activation notification
	Proof that goods or services were received	Customer confirmation, completed order status, or customer feedback
Customer-Facing Information	Customer Support	Contact Us page, support email, or official WhatsApp
	Terms & Conditions	Publicly accessible Terms & Conditions page or document
	Refund Policy	Publicly accessible Refund Policy page or document

The evidence should show real business activity and the relationship between your business and its customers. Screenshots and digital records may be used when they clearly demonstrate the relevant activity. #### **Example Documents by Business Type** The examples below illustrate the types of evidence you can prepare based on your business model. Use the examples relevant to your business and ensure the links you submit are publicly accessible.

SaaS / Digital Platform

For SaaS and digital platform businesses, provide evidence of subscriptions, customer billing, platform usage, and service delivery.

Document / Information	Description
Customer communication	Emails, WhatsApp conversations, or customer support tickets
Invoice or order and payment evidence	Subscription invoice, customer billing record, dashboard billing screenshot, or proof of payment
Proof of service completion	Active customer dashboard, service activation notification, or enabled platform features
Proof that the service has been received	Customer confirmation email, chat confirming service availability, or customer feedback
Customer Support	Help Center, Customer Support page, support email, or official WhatsApp
Terms & Conditions	Public link to the platform's Terms & Conditions
Refund Policy	Public link to the platform's Refund Policy

E-Commerce / Online Store

For e-commerce businesses, provide evidence of customer orders, payments, shipping, and delivery.

Document / Information	Description
Customer communication	Order confirmation email, WhatsApp, social media DM, or support ticket
Invoice or order and payment evidence	Sales invoice, order details from the store dashboard, or proof of payment
Proof of shipment	Courier receipt or shipment status from JNE, J&T, SiCepat, or another courier
Proof that goods have been received	Customer review, photo of received goods, or completed order status
Customer Support	Contact Us page, official WhatsApp, or public support email
Terms & Conditions	Public link to the store's Terms & Conditions
Refund Policy	Public link to the store's Return & Refund Policy

Hospitality, Hotels, and Villas

For hospitality businesses, provide evidence of reservations, payments, guest stays, and service completion.

Document / Information	Description
Customer communication	Reservation confirmation email, guest WhatsApp, or messages from Booking.com, Agoda, Airbnb, or other booking platforms
Invoice or order and payment evidence	Reservation invoice, booking details, proof of deposit, or proof of full payment
Proof of service completion	Check-in or check-out status, guest folio, or check-out receipt
Proof that the service was received	Guest review, check-in or check-out form, or feedback via chat or email
Customer Support	Contact or Reservation page, front desk number, or property WhatsApp
Terms & Conditions	House Rules or reservation Terms & Conditions
Refund Policy	Public Cancellation & Refund Policy

### Step 3: Activate in DOKU Dashboard Once your business meets the requirements and your documents are ready, follow the steps below to activate Regular Sale with DOKU (Aggregator). 1. Log in to your [DOKU Dashboard](https://dashboard.doku.com/bo/login?utm_source=docs). 2. Select **Settings** from the menu 3. **Settings** page will appear. Under **Account** section, select **Service** 4. On **Service** page, click **ADD SERVICE** button

4. Select **Regular Sale - DOKU** under Cards section, then click **ACTIVATE**

{% hint style="success" icon="circle-info" %} If you have any further questions or encounter any issues, please contact our Customer Support team at . {% endhint %} Your activation will go through a verification process. Make sure the information and documents you provide are complete and accessible. ### Common Activation Mistakes Avoid these common mistakes to help prevent delays or rejection of your Cards activation. | Mistake | ✅ What to Do Instead | | -------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------- | | Customer-facing links are not publicly accessible | Check that your Terms & Conditions, Refund Policy, and Customer Support links work without requiring a login. | | Documents do not show real business activity | Provide evidence of actual customer interactions, orders, payments, and service delivery. | | Documents do not cover the full transaction flow | Include relevant evidence from customer communication through payment and delivery or service completion. | | Your business is not yet operating | Apply once your business has real operational activity and evidence involving customers. | | Documents relate to transactions on behalf of another business | Provide evidence of transactions for your own products or services. | | Submitted information is incomplete or inconsistent | Review your activation document and supporting evidence before submitting. | ## Configuration #### **Accept Overseas Cards (Country BIN)** {% hint style="success" icon="circle-info" %} For overseas (international) transactions only. Country BIN settings apply to cards issued outside Indonesia. **If you only accept local cards, you don't need to change anything here.** **Overseas card payments are still charged in IDR.** {% endhint %} **Your first activation covers local cards.** After it's approved, you can enable overseas cards by choosing which countries' cards your business accepts. To do this, follow 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. {% hint style="success" icon="circle-info" %} #### Country Restrictions * **High-Risk Jurisdictions (Black List):** Cards issued in North Korea, Iran, and Myanmar cannot be enabled. * **Jurisdictions under Increased Monitoring (Grey List):** Requests involving these countries are subject to additional review and may be declined such as Nepal, Syria, Vietnam, etc. For the latest country classifications, [refer to the FATF reference list.](https://www.fatf-gafi.org/en/countries/black-and-grey-lists.html) {% endhint %} ## Transaction Types & Acquirers This section is for businesses that need more than Regular Sale through DOKU (Aggregator). ### Transaction Types

Transaction Type	Description	Common Use
Regular Sale Most common	Charge the full payment amount to the customer's card in a single transaction.	Online purchases and one-time services
Installment	Let customers pay for a purchase in monthly installments through a participating bank's installment program.	Electronics, travel packages, and other high-value purchases
MOTO (Mail Order / Telephone Order)	Accept card payments when customers provide their card details remotely by phone, email, or mail.	Orders and reservations made by phone or email
Pre-Authorization	Place a hold on the customer's card and charge the amount later, when the final amount is confirmed.	Hotel deposits and vehicle rentals

### Acquirers An acquirer is a bank or financial institution that processes card payments for your business. DOKU offers two arrangements. **DOKU (Aggregator)**\ DOKU processes your card transactions using its merchant ID registered with acquiring banks. You do not need to arrange a separate agreement with a bank. This is the standard option activated through the DOKU Dashboard. **Direct**\ Your business has its own agreement with an acquiring bank, while DOKU provides the technical integration. Direct requires agreements with both the acquiring bank and DOKU. Contact Sales for eligibility, available features, and setup requirements. ## FAQs #### General

What are the main requirements to activate Cards?

Your business must have a legal business document recognized in Indonesia. You also need to provide proof of business operations and customer-facing information that is publicly accessible to customers. For the full list of documents, see Activation Requirements.

I want to help my clients accept card payments. What should I do?

Your clients need to be registered as separate businesses on DOKU. For Agencies, Consultants, or Technology Partners with many clients, you may want to consider the DOKU Partner program. See Agency or Consultant Businesses.

Do all documents have to be formal documents?

Not necessarily. Documents can be screenshots or files that show real business activity, such as emails, WhatsApp chats, support tickets, invoices, order dashboards, shipping receipts, UAT Acceptance Forms, or handover documents. Make sure the information in the documents shows the relationship between your business and your customers, as well as the ordering, payment, or service completion process.

#### Eligibility

Can I activate Cards as an individual merchant?

Yes, as long as your business has a legal business document recognized in Indonesia, such as an NIB.

My business is not yet operating. Can I still activate Cards?

Not yet. Merchants need to have operational activity and proof of interactions or transactions with customers as part of the verification process. See Businesses That Are Not Yet Operating.

I run an Agency or Consultancy. Can I accept card payments from my clients?

Yes, as long as the payment is for work or services provided by the Agency or Consultant itself, such as project invoices, consulting fees, development fees, or retainers. However, an Agency’s DOKU account cannot be used to receive payments on behalf of its clients.

#### Rejection

Why was my Cards activation rejected?

Your Cards application may be rejected if the information submitted does not sufficiently show real business activity or if customer-facing information cannot be accessed. Common reasons include: * The business does not have a legal business document recognized in Indonesia. * Documents do not show transactions with real customers. * The documents do not cover the full transaction flow. * Customer Support, Terms & Conditions, or Refund Policy links cannot be accessed publicly. * The business is not yet operating. * The submitted documents relate to transactions on behalf of another business. To learn more, see Common Mistakes.

What should I do after my Cards activation is rejected?

First, check the rejection reason shown in your DOKU Dashboard. Then: 1. Identify the documents or information that need to be corrected. 2. Complete or replace the relevant documents, and make sure all customer-facing links are publicly accessible. 3. Review the Activation Checklist. 4. Submit your Cards application again after the issue has been resolved. If you need further assistance, contact DOKU Customer Support.

#### Transaction Types and Acquirers

Which transaction type and acquirer will I get after activating Cards?

Activating Cards through the DOKU Dashboard enables Regular Sale transactions with DOKU (Aggregator). Transactions are processed using DOKU’s merchant ID, so you do not need your own agreement with a bank.

What is the difference between DOKU (Aggregator) and Direct?

With DOKU (Aggregator), transactions are processed using DOKU’s merchant ID registered with acquiring banks. With Direct, your business has its own agreement with an acquiring bank, and DOKU acts as the technical facilitator.

Can I use Installment, MOTO, Pre-Authorization, Recurring, or a Direct acquirer?

Yes, these are available upon request. Contact the DOKU team to discuss your business needs. See [Availability](#availability).

#### Integration and Testing

How to activate Cards in the staging environment (DOKU Sandbox)?

You don’t need to activate Cards in DOKU Sandbox. Regular Sale – DOKU is automatically active once you create a DOKU Sandbox account, so you can start simulating card payments right away. To create a DOKU Sandbox account: 1. Visit the [DOKU Sandbox Registration page](https://sandbox.doku.com/bo/sandbox-registration). 2. Fill in the registration form with your full name, business name, business email address, and password. 3. Check the Terms and Conditions and Privacy Policy, then submit the form. 4. Log in to [DOKU Sandbox](https://sandbox.doku.com/bo/login) using the credentials you used in the registration form. Once logged in, you can retrieve your Sandbox Client ID and Secret Key to start testing your integration.

How to integrate Cards via API?

How to integrate Cards via plugins?

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