Create your first Business Account

In this section, you will learn how to unlock all the services and products that are offered by DOKU by creating your first DOKU Business Account. The following is a step-by-step guide on how you could create a Business Account.

1. Visit

2. Fill the registration form by entering your full name, business name, business email address, phone number, and password

3. Review and agree to the Terms and Conditions and Privacy Policy, then submit the form

4. Verify your account by entering the OTP that was sent to your email address

5. Once your OTP is authenticated, your Business Account will be successfully created. You can proceed to activate your Business account by following the next guide .

Create a Sandbox Account

While DOKU Business Account is used to accept real payments in the live environment, DOKU Sandbox Account is a demo account that you can use to simulate payments in the testing environment. If you are looking to test payments and explore our services and products, the following is a step-by-step guide on how you could create a DOKU Sandbox Account.

1. Visit

2. Fill the registration form by entering your full name, business name, business email address, and password

3. Review and agree to the Terms and Conditions and Privacy Policy, then submit the form

FAQ

The fee varies for each payment method. For the full pricing list, please visit .

Introduction

WhatsApp Business Account (WABA) Creation Merchants can easily create a WhatsApp Business Account integrated with PayChat.

• This account helps merchants manage customer communication more efficiently.

• Using WABA allows direct interaction with customers at scale.

Event Creation with Custom Bot Merchants can create events or promotional campaigns directly through PayChat.

• For example, they can set up discount events, pre-orders, or flash sales integrated with WhatsApp.

• Customers can register or make payments for these events without switching apps.

In-Chat Payments via WhatsApp PayChat offers a seamless payment experience through integration with a wide range of payment methods.

• Customers can choose from bank transfers, e-wallets, or credit cards.

• All processes are handled within WhatsApp, providing convenience and efficiency.

Real-Time Payment Notifications Customers receive real-time notifications once a payment is successfully completed also merchant can see the real-time information for the payment in DOKU Dashboard.

• This ensures all transactions are well-documented.

• Notifications can also be used to send automatic confirmations or receipts.

Analytics Dashboard for Merchants Merchants can monitor transaction performance through an intuitive dashboard.

• It displays data such as transaction count, total payments, and customer activity reports.

• This helps merchants make data-driven decisions to improve sales and payment processes.

Hold and Release feature provides you with control over payment disbursements by allowing you to temporarily hold funds and release them based on your business requirements. This feature enhances security and reduces the risk of unauthorized transactions.

Key Features

• Manual Control: Manually review and approve transactions before funds are released.

• Fraud Prevention: Mitigate the risk of fraudulent activities by implementing additional verification steps.

• Customizable Hold Periods: Define specific time frames for holding funds based on your business needs.

Use Cases

• Risk Management: Minimize financial risks by manually reviewing high-value transactions.

• Fraud Prevention: Implement additional security measures to protect against unauthorized transactions.

• Regulatory Compliance: Ensure compliance with industry regulations by controlling fund releases.

Please refer to our on how to implement Hold and Release feature for your business account.

Custom Settlement Report feature empowers you with comprehensive control over your financial data. Generate customized reports tailored to your specific business needs, providing insights into transaction details, fees, and settlement timelines.

Key Features

• Flexible Reporting: Create reports based on selected parameters such as time range, transaction types, and more.

• Resend Report: Resend your settlement batch reports for seamless integration with your financial systems.

• Transaction Details: Gain granular insights into each transaction for enhanced financial analysis.

Use Cases

• Financial Analysis: Analyze transaction data to make informed business decisions.

• Accounting Integration: Seamlessly integrate settlement data into your accounting software.

• Regulatory Compliance: Generate reports for compliance purposes and audits.

Please refer to our on how to implement Custom Settlement Report for your business account.

Dispute occurs when you have received the funds of the transactions, but could not find the transaction record in the transaction report. Merchants with direct settlement transactions can manage disputed transactions directly with the DOKU Dashboard.

Submit Dispute Request​

1. Log in to , and then access the side navigation bar

2. Select Reports from the menu, then choose Dispute

3. Dispute page will appear, then click Add button and fill in all required fields on the dispute request data you want to submit, then click Submit button

4. You can check the dispute request data on this page and monitor the status with the definition below:

   • In Process = It is on checking process by DOKU system

   • Open = It is waiting to be followed up by the role with checker access, Admin or Finance.

Follow Up Dispute Request

1. Log in to , and then access the side navigation bar

2. Select Reports from the menu, then choose Dispute

3. Dispute page will appear, then review any record with Open status. If it is already as expected and you want to proceed, then click the Follow Up button

Report Types

You can utilize the analytics section on the homepage of your dashboard for reports or performance analysis. You can see 4 analytics; Gross Volume, Successful Transactions, Top Failed Transactions, and Top Payment Methods.

1. Gross Volume: The amount of volume transactions before deduction of DOKU Fee

2. Successful Transactions: The number of completed transactions that have been successfully processed

3. Top Failed Transactions: The top causes for failed transactions

4. Top Payment Methods: The most commonly used payment method by your customers

View and Filter Analytics

Go to Dashboard -> Locate the “Trend” section and its date range -> customize the date and period to your need

• Review analytics of

• Next Payout

• Gross Volume

• Successful Transactions

Customize View

Go to Dashboard -> Locate the “Trend” section -> Click on “Edit View” -> Select your preferred analytics by ticking the analytics options

Export Analytics

Go to Dashboard -> Locate the “Trend” section -> Click on the download icon

FAQs

View Status

Sort Payment Method

You can sort as well as show/hide payment methods that you have activated for your Business Account. You may do so by following these simple steps:

1. Log in to DOKU Dashboard, and then access the side navigation bar

2. Select Settings from the menu

3. Settings page will appear. Under Accept Payments section, select Checkout Appearance

4. Checkout Page Configuration page will appear, then click Payment Method Settings tab where you can sort the payment methods by dragging the payment method to the desired order, and show/hide the payment methods by ticking or unticking the payment method

5. Click Save button to save your configuration

Customize Interface

1. Log in to , and then access the side navigation bar

2. Select Settings from the menu

3. Settings page will appear. Under Accept Payments section, select Checkout Appearance

1. Browse the Catalog

To browse the e-Katalog as a customer:

1. Visit Merchant’s Catalog: Enter the merchant’s e-Katalog link.

2. Browse Items: View a list of items, including Featured Items and Showcases that group similar products.

3. Search and Sort: Use the search bar to find specific items and apply filters (e.g., price, category).

2. View Item Details

When selecting an item:

1. Item Information: View the item’s name, description, variants (if available), and price.

2. Select Variants: Choose specific variants (e.g., size, color) and see related images.

3. Add to Cart: Select the quantity and click Add to Cart to add the item to your shopping cart.

3. Check Out

To place an order:

1. Go to Cart: View all the items in your cart and adjust quantities if needed.

2. Checkout: Click Buy Now to proceed to the order page.

Order Information

Fill in the required details:

• Recipient Name

• Email

• Phone Number

Choose your preferred payment method and complete the checkout process through DOKU’s secure payment system.

4. Order Tracking

Once an order is placed, you will receive an email with order details and tracking information. The order status will update as follows:

• Payment Confirmed

• Order Processed

• Order Sent

Manage Orders

• Orders are automatically grouped by status:

  • New, Processing, Out for Delivery, Delivered, Completed.

• View details including item info, payment, shipping, and customer notes.

To manage customer orders:

1. View Orders

   • Go to the Orders section in the e-Katalog dashboard. Here you can view all orders placed by customers.

2. Order Status

FAQ

Sort Payment Method

You can sort as well as show/hide payment methods that you have activated for your Business Account. You may do so by following these simple steps:

1. Log in to DOKU Dashboard, and then access the side navigation bar

2. Select Settings from the menu

3. Settings page will appear. Under Accept Payments section, select Checkout Appearance

4. Checkout Page Configuration page will appear, then click Payment Method Settings tab where you can sort the payment methods by dragging the payment method to the desired order, and show/hide the payment methods by ticking or unticking the payment method

5. Click Save to save your configuration

Customize Interface

1. Log in to , and then access the side navigation bar

2. Select Settings from the menu

3. Settings page will appear. Under Accept Payments section, select Checkout Appearance

Set Up Expiry Time

1. Log in to , and then access the side navigation bar

2. Select Settings from the menu

3. Settings page will appear. Under Accept Payments section, select Checkout Appearance

Requirements

DOKU can provide loan for your business. The following is the criteria of eligible merchants for a DOKU business loan:

1. Be an active DOKU Merchant for at least 6 months

2. Reach a minimum of IDR 2,000,000 sales volume per month.

DOKU business loan allows you to have a fast loan approval with a loan up to IDR 100,000,000, and no collateral is needed.

Please fill the following if you are interested to learn more details about our business loan.

FAQ

DOKU processes transaction refunds only upon Merchant request. Refunds can be either full or partial, depending on your request. Important: Regardless of the refund amount, the Merchant remains responsible for the transaction fee, unless otherwise arranged with the Customer.

Refund for Non-Card Transactions

To request a refund for Non-Card transactions:

You can update your business data by following the steps below:

1. Log in to , and then access the side navigation bar

2. Select Settings from the menu

Set Up Catalog Settings

To customize and your catalog in e-Katalog, follow these steps:

1. Open e-Katalog Dashboard

DOKU Checkout is an API that enables you to use DOKU-hosted payment page that can either be redirected or embedded to your website. This is the easiest and the quickest method to integrate with DOKU as you are not required to build your own payment page.

FAQ

Benefits of My WhatsApp Business

You can activate services and products offered by DOKU for your business by following the steps below:

1. Log in to , and then access the side navigation bar

2. Select Settings from the menu

Collect Payments and Fund Transfer

PT Nusa Satu Inti Artha (dba “DOKU”) is licensed by Bank Indonesia as Payment Service Provider - Permit Category 1 (Penyedia Jasa Pembayaran - Kategori Izin 1) and holds 5 licenses for Payment Gateway, Disbursement/Remittance, E-Money, E-Wallet, and QRIS.

FAQ

Partner Types

DOKU offers various partner types, each with different levels of control over sub-merchants and access to specific data.

FAQ

Overview

Virtual Terminal by DOKU is a feature that allows businesses to accept payments over the phone, through email, or in person without needing a physical card reader or a traditional point-of-sale (POS) system. Here’s how it works and what it offers:

1. Accept Payments Anywhere: With DOKU's virtual terminal, businesses can securely process payments from customers who provide their card details over the phone or through email invoices.

You can change your DOKU Dashboard password by following the steps below:

1. Log in to , and then access the side navigation bar

2. Click the ellipsis icon next to your user name from the menu, and then select Profile in the pop-up box

Configure Settlement Recipients

Your settlement report can be sent to you via email, SFTP, or both. You can manage the settlement report settings by following the steps below:

1. Log in to DOKU Dashboard, and then access the side navigation bar

2. Select Settings from the menu

3. Settings page will appear. Under Finance Settings section, select Settlement

4. Settlement Settings page will appear where you can either choose to receive the settlement report by email, SFTP, or both by ticking the options under Settlement Report Notification

5. Click SUBMIT to save, and your settings will be effective for the next settlement batch.

View Settlement Batch Transactions

You can find and view all your settlement reports by following the steps below:

1. Log in to , and then access the side navigation bar

2. Select Reports from the menu, then choose Settlements

3. Settlement Report page will appear, then click the ellipsis icon based on your choice of settlement batch, and select Detail

Resend Settlement Batch Report

If you cannot locate a particular settlement batch report and wish to have the report sent to you again, you can do so by following the steps below:

1. Log in to , and then access the side navigation bar

2. Select Reports from the menu, then choose Settlements

3. Settlement Report page will appear, then click the ellipsis icon based on your choice of settlement batch, and select Resend Report

FAQ

Add Customers

You can populate your Customers database by following the steps below:

1. Log in to DOKU Dashboard, and then access the side navigation bar

2. Select Customers from the menu

3. Customers page will appear, then one of the following options:

   • Create Customer: to add a single customer manually.

   • Import Sheet: to upload customers in bulk via CSV template.

Create a Single Customer

To create a customer manually:

1. Click Create Customer

2. Fill in the following fields:

   • Full Name (mandatory): Customer's complete name

Important:

• The Full Name field is mandatory and cannot be left empty.

• Ensure data accuracy to avoid issues during future transactions or communications.

Create Customers in Bulk

To import customers using a CSV file:

1. Click Import Sheet on the Customers page

2. Download the provided CSV template

3. Fill in the customer data according to the template instructions

Tip:

• Verify the formatting before uploading to prevent errors.

• Large imports may take a few minutes to process.

Edit Customers

You can populate your Customers database by following the steps below:

1. Log in to , and then access the side navigation bar

2. Select Customers from the menu

3. Customers page will appear, then search for and select the customer you wish to edit by clicking the Edit icon

Item Features

🎨 Using Showcases

• Group items by themes or categories.

• Add items from the Add Item page or bulk add from the item list.

• Edit, delete, or share showcase via social media.

📌 Featured Items

• Pin up to 5 items via a toggle when adding/editing products.

• Always appear at the top regardless of sorting.

🗓️ Publication Scheduling

• Choose to:

  • Publish Now (immediate verification).

  • Schedule for a future date,

Add Items

To add new items to your catalog, follow these steps:

1. Navigate to Add Items

   • In the e-Katalog dashboard, go to "Add Item" to start adding a new product.

2. Item Information

Edit Items

To edit your existing items, follow these steps:

• View All Items

  • From the dashboard, go to "View All Items" to see the list of your catalog items.

• Edit Item Details

FAQ

View Checkout Orders

Checkout Order List is a report that provides information about all orders that’ve been created which came from Checkout Page. On this page you can see detailed information about your orders, such as Amount, Transaction Status, Customer Information, and etc. You may do so by following these simple steps:

1. Log in to DOKU Dashboard, and then access the side navigation bar

2. Select Reports from the menu, then choose Checkout Orders

3. Checkout Orders page will appear, where you can find all the transactions that have been recorded via DOKU Checkout

4. Click Details to view the full order information and transaction history

Recover Checkout Orders

DOKU offers a Recover Abandoned Cart feature that allows customers to reopen and complete expired orders through a follow-up email up to 3 times. This feature helps increase conversion rates by giving customers a second opportunity to complete their purchase after the original checkout session has expired. You can activate the Recover Abandoned Cart feature by following the steps below:

1. Log in to , and then access the side navigation bar

2. Select Settings from the menu

3. Settings page will appear. Under Accept Payments section, select Checkout Appearance

Status

FAQ

DOKU provides a full suite of SDKs and libraries to help you integrate payment capabilities quickly, securely, and reliably — across platforms and programming languages. This reduces the amount of work required to use DOKU's REST APIs. Whether you're building a mobile app, an online store, or a back-office finance system, we offer the tools to accelerate your integration and reduce time-to-market.

Our SDKs and libraries also ensure compliance with the new Bank Indonesia (BI) regulations. These regulations, known as SNAP BI, standardize the API between Payment Service Providers (PSPs) to ensure secure and consistent payment processing. Compliance with these regulations is crucial for maintaining secure operations and meeting industry standards.

Server-side SDKs

DOKU provides server-side SDKs designed to streamline interactions with our REST APIs, significantly reducing development effort. Below is a list of the available libraries:

Mobile SDKs

DOKU's Mobile SDKs enable seamless integration of DOKU's payment solutions into iOS and Android applications. Designed with performance and security in mind, these SDKs simplify API interactions, accelerate development, and ensure a smooth, native user experience across platforms.

• DOKU Android SDK

• DOKU iOS SDK

Integration Guide

For complete integration guide with SDKs and Libraries, visit .

Introduction

Balance Management System (BMS) is a comprehensive multi-layer management solution designed to enhance the financial operations of payment service providers. This cutting-edge system empowers businesses to create and manage accounts for partners or internal divisions seamlessly. With its versatile features, BMS facilitates transaction processing on behalf of clients, enables payment splitting, monitors transactions, facilitates direct billing, initiates payouts, and offers a host of other functionalities that streamline financial processes.

Key Features

Account Creation and Management

Effortlessly create and manage accounts for partners or internal divisions. Maintain a centralized hub for all financial activities, ensuring transparency and efficiency.

Transaction Processing

Conduct transactions on behalf of clients with ease, streamlining payment processes. Enable secure and rapid fund transfers, reducing operational complexities.

Payment Splitting

Dynamically split payments between multiple parties, optimizing revenue distribution. Customizable splitting parameters to accommodate diverse business models.

Transaction Monitoring

Real-time monitoring of transactions for enhanced visibility and control. Receive instant alerts for suspicious activities, ensuring the security of financial transactions.

Direct Billing

Streamline invoicing processes by directly billing partners or internal divisions. Automate billing cycles and generate detailed financial reports for accurate record-keeping.

Pay?outs

Initiate secure and timely payouts to partners or internal divisions. Flexible payout options to accommodate various preferences, including bank transfers and digital wallets.

Customizable Reporting

Generate detailed reports on transactions, account balances, and financial performance. Tailor reports to meet specific business requirements, facilitating informed decision-making.

Security Measures

Implement robust security protocols to safeguard sensitive financial data. Utilize encryption and authentication features to protect against unauthorized access.

User-Friendly Interface

Intuitive and user-friendly interface for easy navigation and efficient use. Minimal training required, ensuring rapid adoption across teams.

FAQ

Introduction

Transfer funds to all bank accounts and e-Wallets in Indonesia with Domestic Payouts (Disbursement). Submit disbursement instructions through automated APIs or Excel uploads for up to 10,000 transactions.

Disbursements are swiftly processed, available from 7 am to 11 pm, seven days a week, including weekends and holidays. However, our operation is bound by the banking hours, and funds cannot be disbursed during their inactive periods. Transactions submitted outside these hours will be promptly processed when the banks resume operations.

Domestic Payouts cover 126 local banks and popular e-Wallets (such as GoPay, OVO, DANA, LinkAja and ShopeePay).

Key Features

User Account Management

Effortlessly create and manage accounts for partners or internal divisions. Maintain a centralized hub for all financial activities to ensure transparency and efficiency.

Bank Account Validation

Our payouts ensure secure transfers by validating beneficiary accounts in banks or e-wallets before processing transfer requests.

Multi-Channel Payouts

Support multiple payout methods including bank transfers and e-wallets. Facilitate global transactions with international payment capabilities across diverse currencies.

Customizable Workflows

Tailor disbursement processes to align precisely with your organization's specifications. Establish bespoke approval workflows and permissions for secure and compliant transactions.

Real-time Reporting and Tracking

Gain immediate insights into disbursement activities with real-time reporting. Monitor transaction statuses, access transaction history, and generate comprehensive reports for seamless reconciliation.

Flexible Fee Structures

Support various fee schemes including sender-paid, receiver-paid (deducting receiving amount), fee sharing (e.g., 50% sender, 50% receiver), monthly invoicing, and percentage-based fees.

Alert System

Receive alerts for key actions such as top-ups and balance limits (e.g., below IDR 1,000,000), ensuring timely notifications via email.

Multi-Currency Deposits

Support merchant deposits in multiple currencies including IDR, USD, and SGD, enhancing flexibility for global operations.

API Integration

Seamlessly integrate via our robust API with dedicated assistance from our team throughout the integration process.

Streamlined PG Settlements

Leverage domestic payouts alongside our payment gateway service by directing settlement funds to your deposit account. This streamlined process enables refund payments of your transactions or payments to agents, sales personnel, vendors, and business partners.

FAQ

Set Up Notifications

With DOKU Checkout, you can configure email notifications to keep your customers informed about their order status in real time. This helps improve communication, reduce payment delays, and enhance the overall customer experience. You can configure email notifications for DOKU Checkout by following the steps below:

1. Log in to DOKU Dashboard, and then access the side navigation bar

2. Select Settings from the menu

3. Settings page will appear. Under Notifications section, select Checkout Page Notifications

4. Checkout Page Notifications page will appear, then select the email notifications you wish to send to customers based on the following fields:

   1. Order Status

      1. New Order – The order has been created but not yet paid

5. Click Save to save your configuration.

Customize Email Appearance

You may do so by following these simple steps:

1. Log in to , and then access the side navigation bar

2. Select Settings from the menu

3. Settings page will appear. Under Notifications section, select Checkout Page Notifications

FAQ

Split Settlement

Split Settlement is a feature designed to streamline and automate the distribution of funds among multiple stakeholders within your business ecosystem. This service ensures accurate and transparent financial transactions by allowing you to split settlements based on predefined rules.

Features

By activating Multi-brand, you will gain access to the . Company Dashboard has the following features:

1. Navigation from one Brand Dashboard to another Brand Dashboard, and from a Brand Dashboard to a Company Dashboard

Single Creation

Overview

QRIS (Quick Response Code Indonesian Standard) is a standardized QR code payment method introduced by Bank Indonesia to simplify digital payments across various payment service providers (PSPs), banks, and merchants in Indonesia. QRIS is designed to streamline the payment acceptance process and enhance interoperability between different payment systems. Customers can make payments by scanning or uploading the QRIS image generated by the merchant, using supported e-Wallet apps (e.g., DOKU e-Wallet, OVO, ShopeePay, GoPay) or mobile banking apps that support QRIS.

Introduction

Embedded Wallet is a digital wallet service that can be seamlessly integrated into your business' app. Without the need to invest time and resources in building an e-Wallet from scratch, Embedded Wallet enables your customers to store balances and make purchases within your app.

Embedded Wallet offers high flexibility, allowing you to tailor the use of digital wallets to suit your business needs. There are two types of Embedded Wallet services:

Introduction

Juragan DOKU is a mobile app that enables small-to-medium businesses to accept payments both online and offline by generating payment links or showcasing your products through a catalog. Juragan DOKU simplifies your business with a comprehensive transaction reporting feature to keep track of all your transactions in one place with a detailed and easy-to-understand report.

Introduction

Cash Out is a service that allows authorized users by the merchant to conveniently withdraw cash at convenience stores. Cash Out transaction is made simply by requesting cash withdrawal from the cashier or the POS Machine. Upon requesting cash withdrawal, the cashier or the POS Machine will inquire the users about the specific product type and the name of the merchant. Subsequently, users will be asked for a token, cell phone number, and the desired withdrawal amount. Upon completion of the process, the cashier will dispense the requested cash along with a receipt.

Overview

In this section, you will learn how to manage your User Account.