Bank Account Validation

Overview

Bank Account Validation is a DOKU Payout feature designed to secure your payouts by verifying the beneficiary's bank or e-Wallet account beforehand. By confirming the account is active and retrieving the registered account name, this service helps you eliminate failed transactions and prevent misdirected funds.

The process is seamless and automated. When you submit an account number, DOKU Payout system instantly cross-checks it with the destination bank. If the account is valid, the system retrieves the verified account name, giving you total confidence that your funds will reach the right person.

To start using this service, refer to the Kirim DOKU integration documentation at https://developers.doku.com/payout/kirim-doku, where Bank Account Validation is available as the Account Inquiry API.

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How It Works

In general, the bank account validation flow is as follows:

1. Request

Merchants send an account validation (inquiry) request to the DOKU Payout system.

1. Routing

The DOKU Payout system instantly forwards this request to the destination bank.

1. Verification

The bank verifies the account number and returns the registered account details.

1. Response

The DOKU Payout system delivers the verified information back to the merchant's system, ensuring the account is ready for payout.

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FAQ

What does Bank Account Validation do?

It verifies a beneficiary’s bank or e-Wallet account before initiating a payout. By confirming the account is active and retrieving the registered name, it ensures your funds reach the correct destination.

Why should I validate an account before a payout?

Pre-validating accounts significantly reduces failed transfers and prevents misdirected funds. It makes your overall disbursement process much more secure, efficient, and reliable.

How does the validation flow work?

The process is fast and automated:

1. You send an inquiry to the Kirim DOKU system.

2. We instantly route the request to the destination bank.

3. The bank confirms the status, and we pass the verified account details back to your system.

What information is returned when an account is valid?

The system returns the exact registered name of the account holder. This allows you to confidently verify the recipient before transferring any funds.

How do I get started with Bank Account Validation?

Simply reach out to your dedicated DOKU Account Manager or our Sales team. They will provide you with all the necessary onboarding and integration details.