Key Features & Capabilities

DOKU Cross-Border Payouts platform is equipped with a suite of advanced features designed to provide full control, flexibility and security in every fund transfer transaction. Here are the core capabilities we offer:

1. Mid-market exchange rate

   DOKU Cross-Border Payout offers a highly competitive and transparent foreign exchange rate

2. Account validation

   Minimize transfer failures and human error. Our system performs real-time checks on account status and beneficiary name matching before any funds are disbursed. This feature ensures that funds are only sent to valid and active accounts.

3. Multi-channel payouts

   Supports a wide range of payout methods including bank transfer and electronic wallet.

4. Customizable workflows

   Allows tailoring of disbursement workflows with custom approval layers and permission settings for secure, compliant processes.

5. Flexible fee structure

   Supports sender-paid, receiver-paid, fee sharing (e.g., 50/50), monthly invoicing, and percentage-based fee models.

6. Deposit / balance alert

   Sends email alerts for key triggers such as balance thresholds (e.g., under IDR 1,000,000) and top-ups, enabling proactive monitoring.

7. Multi-currency deposit

   Accepts merchant deposits in IDR, USD, and SGD, configurable per account, supporting international operations.

8. Dual integration method

   We provide access flexibility tailored to your business’s technological readiness:

   1. API Integration, a RESTful API-based host-to-host connection allowing full automation from your backend system to DOKU, ideal for high-volume transactions.

   2. Merchant Dashboard (Single Transfer and Batch Upload), a user-friendly web-based portal where your finance team can execute single transfers or thousands of transactions simultaneously (batch payout) simply by uploading a single CSV file.

9. Extensive coverage

   Reach every layer of the banking ecosystem in Indonesia. Our service connects with:

   1. Over 100 financial institutions, including state-owned banks (Himbara), national private banks and regional development banks (BPD).

   2. Major electronic money issuers, ensuring you can reach beneficiaries wherever they are.

   3. Over 22.000 Indomaret stores nationwide, greatly expanding access to the convenient cash withdrawal points.

10. Multi-level security control (Maker & Checker)

    Enhance corporate financial governance with our approval workflow feature for bulk transfer. You can segregate duties between the transaction initiator (maker) and the transaction approver (checker). Transactions will not be processed without approval from designated authorizes, preventing internal fund misuse.

11. Real-time notifications and reporting

    Gain full visibility over your cashflow. Our system delivers instant transaction status updates directly to your system. Additionally, comprehensive reports and account statements can be downloaded anytime via the dashboard to streamline auditing and bookkeeping processes.