Sub Account
Availability: 🇮🇩 Indonesian Business Account only
This documentation covers Sub-Account V2 API only. For version differences, see FaQ
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.
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:
IDR Cash
DOKU_MERCHANT_IDR
Main IDR balance, real money that can be spent or paid out
Yes
Pending IDR
DOKU_PENDING_IDR
Funds awaiting settlement from Checkout / Direct API payments
No
Points
DOKU_MERCHANT_POINT
Non cash value: loyalty points, credits, rewards
No (non-cash)
Key Features
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 → 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 — 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 — loyalty points, credits, cash-in-hand — 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?
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 — each with a deposit balance and commission ledger.
Two Services
Sub Account offers two services in the DOKU Dashboard. Contact Sales to activate.
One service activation, three capabilities covering all money-flow use cases:
Collect & Route
Accept payments → Route → Payout. Money in via Checkout/Direct API, split rules, payout to 100+ banks.
Deposit System
Top-up → Debit → Monitor. Money in via built-in BRI VA (real-time), debit per transaction with double-entry ledger.
Fund Oversight
DOKU e-Wallet integration. Top-up staff wallets, monitor balances, no API required.
Non-cash ledgering — 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
Payment Method Compatibility
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
REST endpoints for every action — 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
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
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