> 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/wallet-as-a-service/sub-account.md). # Sub Account
{% hint style="info" %} Availability: ๐Ÿ‡ฎ๐Ÿ‡ฉ Indonesian Business Account only This documentation covers Sub-Account V2 API only. For version differences, see FaQ {% endhint %} Sub Account is a powerful infrastructure layer that allows platforms to create sub-accounts, receive money, route, track, hold, and pay out funds across multiple account entities. It combines sub-account management, payment, and payout capabilities into one unified system. *** ## Why Sub-Account? When you run a platform, marketplace, or multi-party business, all payments land in one merchant account and you're left figuring out whose money is whose. ``` Order #A-2013 ยท Siti Rp 500,000 โ”€โ” Order #A-2014 ยท Andi Rp 1,200,000 โ”€โ”ค YOUR MERCHANT ACCOUNT Order #A-2015 ยท Budi Rp 300,000 โ”€โ”คโ”€โ”€โ–ถ Rp 2.85M Order #A-2016 ยท Dewi Rp 850,000 โ”€โ”˜ "Whose money is this, and how much goes where?" ``` Sub-Account eliminates this. Give every seller, agent, branch, or partner their own sub-account inside your platform with its own balance, history, split rules, and payout. * **Sub Account, not bank accounts.** Created programmatically. One per party. Unlimited. * **Route at the moment of payment.** Every inbound transaction distributed automatically, percentage or flat rule. * **Real-time balances & ledger.** Every party sees what's theirs, what's held, and what's been paid out. * **Payout, by API.** On demand disbursement to 100+ banks and e-wallets across Indonesia. *** ## Core Concepts A sub-account is a digital balance container belonging to a party in your ecosystem, a seller, driver, branch, agent, etc. Each sub-account has a unique **Profile ID**, one or more **Account Numbers**, and can be organized in a **hierarchy** (parent-child, unlimited levels). Each sub-account holds **three types of accounts**:
Account TypeCodeDescriptionWithdrawable?
IDR CashDOKU_MERCHANT_IDRMain IDR balance, real money that can be spent or paid outYes
Pending IDRDOKU_PENDING_IDRFunds awaiting settlement from Checkout / Direct API paymentsNo
PointsDOKU_MERCHANT_POINTNon cash value: loyalty points, credits, rewardsNo (non-cash)
``` LEVEL 1 ยท MERCHANT TokoMaju (BRN-TOKOMAJU) โ”‚ โ”œโ”€โ”€ L2 ยท SUB Seller 001 (SAC-SELLER-001) โ”‚ โ”œโ”€โ”€ 0000000001 DOKU_MERCHANT_IDR IDR Rp 1,000,000 โœ“ withdrawable โ”‚ โ”œโ”€โ”€ 0000000002 DOKU_PENDING_IDR IDR Rp 500,000 no โ”‚ โ””โ”€โ”€ 0000000003 DOKU_MERCHANT_POINT POINT 10,000 pts non-cash โ”‚ โ””โ”€โ”€ L2 ยท SUB Seller 002 (SAC-SELLER-002) โ”œโ”€โ”€ 0000000004 DOKU_MERCHANT_IDR IDR Rp 2,500,000 โœ“ withdrawable โ””โ”€โ”€ 0000000005 DOKU_PENDING_IDR IDR Rp 750,000 no ``` *** ## Key Features | Feature | Capability | Description | | ----------------------------- | --------------- | ----------------------------------------------------------------------------------------------------------------------- | | **Payment Integration** | Collect & Route | Collect payments through DOKU Checkout or Direct API and route them to sub-accounts automatically via `additionalInfo`. | | **Automated Split Rules** | Collect & Route | Configure percentage or flat-amount rules that automatically distribute every inbound payment. | | **Payout to 100+ Banks** | Collect & Route | Transfer funds from any sub-account to Indonesian banks via Transfer Inquiry โ†’ Transfer Payment API. | | **Built-in BRI VA Top-Up** | Shared | Each sub-account gets a static BRI VA on registration. Funds land in real-time. | | **Debit API** | Deposit System | Deduct from any sub-account per transaction โ€” with double-entry ledger that credits the parent account. | | **DOKU e-Wallet Integration** | Fund Oversight | Link DOKU e-Wallet accounts to sub-accounts via Account Linking. Top-up petty cash and monitor from the Dashboard. | | **Points Ledger** | Unified Ledger | Track non-cash value โ€” loyalty points, credits, cash-in-hand โ€” via the PTS account. | | **Real-Time Monitoring** | Shared | Check balances, transaction status, and history per sub-account via API or dashboard. | | **Internal Transfer** | Shared | Move funds between sub-accounts on your platform. | *** ## Who is it for? | Segment | Description | | ----------------------------- | ------------------------------------------------------------------------------------------------ | | **Marketplaces & Platforms** | Many sellers, one checkout. Each seller needs their own balance, payout, and ledger. | | **SaaS with Payouts** | Creators, hosts, merchants earning through your product. You owe them money you're holding. | | **Logistics & COD** | Cash collected on delivery, routed through couriers, owed to hundreds of shippers daily. | | **Multi-Branch & Franchise** | One brand, many outlets. Revenue, royalties, and pool funds distributed by rule and region. | | **Agent & Reseller Networks** | Distributors, insurance agents, field sales โ€” each with a deposit balance and commission ledger. | *** ## Two Services Sub Account offers two services in the DOKU Dashboard. [Contact Sales](https://www.doku.com/en-us/contact-sales) to activate. {% tabs %} {% tab title="Collect and Route / Deposit System / Fund Oversight" %} One service activation, three capabilities covering all money-flow use cases: | Capability | What it does | Guide | | ------------------- | ------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------- | | **Collect & Route** | Accept payments โ†’ Route โ†’ Payout. Money in via Checkout/Direct API, split rules, payout to 100+ banks. | [Guide โ†’](https://docs.doku.com/wallet-as-a-service/sub-account/collect-and-route) | | **Deposit System** | Top-up โ†’ Debit โ†’ Monitor. Money in via built-in BRI VA (real-time), debit per transaction with double-entry ledger. | [Guide โ†’](https://docs.doku.com/wallet-as-a-service/sub-account/deposit-system) | | **Fund Oversight** | DOKU e-Wallet integration. Top-up staff wallets, monitor balances, no API required. | [Guide โ†’](https://docs.doku.com/wallet-as-a-service/sub-account/fund-oversight) | | {% endtab %} | | | {% tab title="Unified Ledger" %} Non-cash ledgering โ€” no money flow through DOKU. Track points, credits, and internal balances via the `DOKU_MERCHANT_POINT` (PTS) account. * PTS credit via Transfer API * PTS debit via Debit API * PTS debit cancel via Debit Cancel API * Balance inquiry and transaction history {% endtab %} {% endtabs %} *** ## Payment Method Compatibility | No | Payment Method | Checkout API | Direct API SNAP | | -- | --------------------------- | ------------ | --------------- | | 1 | Virtual Account (All Banks) | Yes | Yes | | 2 | Credit Card | Yes | - | | 3 | QRIS | Yes | Yes | | 4 | OVO | Yes | No | | 5 | DANA | Yes | No | | 6 | ShopeePay | Yes | No | | 7 | LinkAja | Yes | No | | 8 | DOKU e-Wallet | Yes | Yes | | 9 | Alfa Group | Yes | - | | 10 | Indomaret | Yes | - | > **Note:** Payment method compatibility is updated regularly. Check back for the latest supported channels. *** ## How Sub-Account Compares | Dimension | Split Settlement | Domestic Payouts | **Sub Account** | | ------------------ | ------------------------------------- | ----------------------------------- | -------------------------------------------- | | Whose money moves? | Yours, to your own banks | Yours, out to anyone | **Many parties money, on your platform** | | Per-party balance | None | None | **Real-time, per sub-account** | | Fund routing | Batched at settlement | Not applicable | **Automatic, per payment** | | Recipient count | Up to 10 bank accounts\* | Many, one-shot or batch | **Many Bank Account** | | Ideal job | Route settlement to your own accounts | Mass disbursement, payroll, vendors | **Infrastructure for multi party platforms** | *** ## Access Channels {% tabs %} {% tab title="API" %} REST endpoints for every action โ€” register sub-accounts, configure routing rules, inquire balances, process payouts. Available endpoints: * Register Sub Account * Transfer Inquiry / Payment * Debit / Debit Cancel * Balance Inquiry * Transaction Status / History * Split Rules [Explore Sub Account V2 API Docs Here!](https://developers.doku.com/wallet-as-a-service/sub-account/sub-account-v2/integration-guide) {% endtab %} {% tab title="Dashboard" %} A full console with two main menus: * **Sub Account V2:** create and manage sub-accounts, check balances and transactions history * **Fund Oversight:** manage DOKU e-Wallet integration, link/unlink e-Wallet accounts to sub-accounts {% endtab %} {% endtabs %} --- # 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. 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