Collect and Route

Smart revenue routing for platforms. Accept payments, deduct commissions, and distribute funds to partners instantly with automated splitting.

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How It Works

Customer pays via Checkout API / Direct API
        │
        ▼
Payment request includes additionalInfo:
├── account.id        →  Which sub-account receives the payment
└── account.split_rule_id  →  Which split rule to apply
        │
        ▼
DOKU processes payment + applies split rule automatically
├── Seller gets 95%  →  Seller sub-account
└── Platform gets 5% →  Platform fee ledger
        │
        ▼
Seller requests payout → Transfer to bank account

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Accept Payment

To use Collect & Route, you accept payments through DOKU Checkout API or DOKU Direct API and include additionalInfo to tell DOKU which sub-account and split rule to apply.

When creating a payment, add the additionalInfo object to your request body:

{
  "additionalInfo": {
    "account": {
      "id": "SAC-1670-1628490169910",
      "split_rule_id": "4ef065e3-8ffe-4c91-8ee2-d1b31a4da5b1"
    }
  }
}

Field	Type	Required	Description
additionalInfo.account.id	string	Yes	The sub-account ID that receives the incoming payment. This is the profileId returned when you registered the sub-account.
additionalInfo.account.split_rule_id	string	No	The split rule to apply to this payment. This is the splitRuleId returned when you created the split rule.

The additionalInfo object works with DOKU Checkout API (POST /checkout/v1/payment) and DOKU Direct API (all payment methods). See Payment Channel Compatibility for which channels support Sub-Account routing.

With Split Rule

Include split_rule_id to automatically split the payment across multiple sub-accounts based on your configured rule.

Customer pays Rp 500,000
        │
        ▼
PG fee deducted (e.g., Rp 5,000)
        │
        ▼
Net amount: Rp 495,000
        │
        ▼
Split rule applied on net amount (95/5):
├── Rp 470,250 → Seller sub-account
└── Rp 24,750  → Platform fee ledger

The split is calculated on the net amount after DOKU PG fees, not the gross payment. See How Splitting is Calculated for details.

Best for: Marketplaces, platforms with commission models — where every payment needs to be routed between multiple parties.

Without Split Rule

Without additionalInfo.account

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Split Rules

Split rules automate how incoming funds are distributed. Once configured, every qualifying transaction is split at the moment of payment.

Type	How It Works	Example
PERCENTAGE	Each party gets a percentage of the total	95% to seller, 5% to platform
FLAT	Each party gets a fixed amount	Rp 5,000 to platform, remainder to seller

The split is calculated on the net amount after PG fees, not the gross customer payment.

Setup:

1. Add rules, specify the type (percentage or flat), the value, and the destination account

2. Call the Split Rules API, DOKU saves the rule and returns a splitRuleId

3. Pass splitRuleId in additionalInfo when accepting payments

If you pass an invalid split_rule_id, the API will NOT return an error. The payment will land in the sub-account without any splitting applied. Always validate your split_rule_id before sending.

Settlement: Funds from Checkout/Direct API land in DOKU_PENDING_IDR first. After settlement, they move to DOKU_MERCHANT_IDR and become available for payout.

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Payout to Bank

Pay out funds to any of 100+ Indonesian bank accounts via Transfer Inquiry → Transfer Payment.

Channel	Description
BI_FAST	Indonesia's real-time payment rail (default)
ONLINE	Standard online bank transfer

Step-by-Step Integration

1. Register a Sub-Account : POST /sub-account/v2.0/register → save the profileId

2. Create a Split Rule: POST /sub-account/v2.0/split-rules → save the splitRuleId

3. Accept Payment: Include both IDs in additionalInfo when calling Checkout API or Direct API

4. Wait for Settlement: Funds move from DOKU_PENDING_IDR to DOKU_MERCHANT_IDR, split rule applied

5. Payout: Transfer Inquiry → Transfer Payment to bank account