DOKU (PT Nusa Satu Inti Artha), founded in 2007, is Indonesia’s first locally owned electronic payment solutions provider. As a pioneer in the payment gateway industry, DOKU has played a key role in offering secure, reliable, and locally tailored payment solutions that address the evolving needs of online merchants. Since 2021, DOKU has expanded its presence to Malaysia, with SimplePay Gateway Sdn. Bhd. becoming part of the DOKU Group. This milestone strengthened DOKU’s regional footprint and enabled the company to deliver seamless, reliable, and locally tailored payment solutions to businesses across Southeast Asia.

Accept Payments

No-Integration Products

Web/Mobile Integration

Payouts

Other Solutions

Mobile Apps

Create a Business Account

In this section, you will learn how to become a DOKU merchant 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 DOKU Dashboard Registration page

Whether you're working with APIs, plugins, or custom-built platforms, DOKU provides the integration tools to match. Pick the option that works best for your system.

• e-Commerce Platform

To start sending bill reminders, monthly invoices, or payment notifications through Broadcast Message, you must first activate your WhatsApp Business account.

The Bill Broadcast feature is only available once your WhatsApp Business account is active and connected to PayChat.

👉 Learn How to Activate WhatsApp Business

DOKU Sandbox allows you to simulate transactions before going live and accepting real payments. The simulator works for all integration methods, as well as no-integration products such as Payment Link and Digital Catalog. You can simulate transactions with DOKU Sandbox by following the steps below:

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

2. Select Settings from the menu

3. Settings page will appear. Under Payment Settings section, select Simulator

4. Simulator page will appear, select the payment method you wish to test, matching the one chosen during checkout.

5. Click Simulate.

A simulation guide specific to each payment method will be displayed on the page.

You can activate services and products offered by DOKU for your business 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 Account section, select Service

4. On Service page, click ADD SERVICE

5. Select the service you would like to activate

6. Click ACTIVATE.

Certain payment methods can only be activated with the assistance of our Sales team. You may contact our Sales team by filling the following .

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:

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.

1. Browse the Catalog

To browse Digital Catalog as a customer:

1. Visit Merchant’s Catalog: Enter the merchant’s catalog link.

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 , and then access the side navigation bar

Activate Accept Order

DOKU PayChat's WhatsApp Business

View Message Reports

Get a complete view of your message performance through visual chat graphics and detailed message reports. Track the delivery, read status, and engagement metrics for each broadcasted message, helping you monitor effectiveness and optimize communication.

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

Refer to for the terms and conditions.

FAQ

Analytics on DOKU Dashboard homepage provides valuable insights into your business performance. You can use it to monitor transaction data, detect issues, and optimize payment experiences. The following are the available analytics:

• Gross Volume Total transaction volume before DOKU fees are deducted.

• Successful Transactions Number of transactions successfully completed and processed.

• Top Failed Transactions Common reasons for transaction failures, helping you diagnose recurring issues.

• Top Payment Methods The most frequently used payment methods by your customers.

View and Filter Analytics

You can view and filter the analytics by following the steps below:

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

2. Select Dashboard

3. In the Trend section, set a custom date range to adjust the period of analytics displayed.

Customize View

You can customize the view of your analytics by following the steps below:

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

2. Select Dashboard

3. In the Trend section, click Edit View

Export Analytics

You can export your analytics into a file by following the steps below:

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

2. Select Dashboard

3. Click the Download icon at the top right of the graph to export your selected analytics. Export options are .PNG and .CSV file.

FAQ

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

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

1. Log in to DOKU Dashboard, 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

3. User Profile page will appear, scroll down to the Change Password section, and then click Change Password

4. Enter your current password and your new password

1. Click Change Password once again to confirm your new password

2. You can now log in with your new password.

FAQ

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.

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 , 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

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

Report Types

View Orders

• Orders are automatically grouped by status:

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

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

1. View Orders

   • Go to the Orders section in the Digital Catalog dashboard. Here you can view all orders placed by customers.

2. Order Status

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.

2. Keyed-in Transactions: Merchants can manually enter credit card information into DOKU Dashboard or through an integrated system, allowing for flexibility in accepting payments without requiring customers to physically present their cards.

3. Secure Handling of Payments: DOKU ensures that all transactions processed through the virtual terminal are secure and compliant with Payment Card Industry Data Security Standard (PCI DSS) requirements, minimizing the risk of fraud or unauthorized access to cardholder data.

4. Flexibility for Various Business Types: This feature is particularly useful for businesses that operate in industries such as professional services, where remote payment processing is common and a physical card reader may not be feasible or necessary.

Virtual Terminal expands payment acceptance options for businesses beyond traditional online transactions, offering a convenient and secure way to process payments remotely or in person without requiring specialized hardware.

FAQ

FAQ

FAQ

Overview

Get a complete view of your message performance through visual chat graphics and detailed message reports. Track the delivery, read status, and engagement metrics for each broadcasted message, helping you monitor effectiveness and optimize communication.

Account List

View your connected WhatsApp Business accounts in one place. Easily check account status, associated phone number, and manage their availability to stay organized and in control of your operations.

FAQ

Sort Payment Method

You can sort and show/hide payment methods you have activated for your Business Account on your checkout page by following the steps below:

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

Overview

Domestic Payouts is a transfer service by DOKU that allows transfer of funds to all bank accounts and e-Wallets in Indonesia. Submit disbursement instructions through automated APIs or Excel uploads for up to 1,000 transactions per cycle.

Disbursements are swiftly processed, available 24 hours, 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.

If you wish to implement your own payment page, DOKU provides REST API that you can use to directly integrate with us. We provide code library in various programming languages to help you integrate.

With Direct API, you are enabled to create customized payment flows and integrate them directly into your website while still adhering to security and compliance standards. The following are some benefits of integrating with Direct API:

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

FAQ

Overview

DOKU Dashboard is an online management portal that enables businesses to manage and monitor their DOKU-powered payment operations in one place. Through the dashboard, businesses can view real-time transaction data, manage payouts and refunds, track revenue, handle customer disputes, configure payment methods, generate financial reports, and set up integrations or API keys. There are plenty of ways you can manage your Business Account using DOKU Dashboard.

Account Information

You may find plenty of information in DOKU Dashboard that you may not be familiar with. In this section, you will learn all the information that is shown in DOKU Dashboard.

My User Account Information

Your User Account Information can be found on User Profile page.

• Name - The registered name of your User Account.

• Email ID - The registered email address of your User Account.

• Phone Number - The registered phone number of your User Account.

My Business Account Information

Your Business Account Information can be found on Business Info page.

• Business ID (Business Client ID) - The registered ID of your Business Account. (e.g. BSN-1234-123456789)

• Business Name - The registered name of your Business entity (e.g., DOKU Private Limited)

My Brand Information

Your Brand Account Information can be found on Business Info page.

• Brand ID (Client ID) - The registered ID of your Brand Account. (e.g. BRN/MCH/OCO-1234-123456789)

• Brand Name - The registered name of your Brand (e.g., DOKU)

• Secret Key - The private credentials of your Brand Account that is used for technical integration.

FAQ

Overview

Template My WhatsApp Business is a centralized feature where merchants can create, manage, and monitor message templates used for WhatsApp communication. These templates are pre-approved by Meta and ensure consistent, compliant, and scalable customer engagement across various use cases.

Merchants can easily select templates based on their needs—whether for billing, notifications, or promotions—and use them either via dashboard or API. The template management page allows filtering by status, type, and language, enabling faster execution and better organization.

What You Can Do

• Create and submit templates for approval.

• View the status of each template (Approved, Rejected, or Pending).

• Filter templates by language, type, or status.

Template Label

With labeled templates, merchants can manage message types more effectively and comply with WhatsApp’s messaging guidelines while maintaining a structured communication strategy.

• Billing: Enables merchants to send payment-linked messages directly through WhatsApp. This is ideal for recurring bills, order invoices, or any situation where payment collection is needed in a seamless, chat-based experience.

• Receipt: Automatically send a digital receipt to customers after a successful payment. This helps build trust and provides clear proof of transaction.

• Promotion: Share promotional content such as discounts, flash deals, or product launches directly with your customers to boost engagement and sales.

Template Line of Business (LOB)

In PayChat, a Template LOB (Line of Business) refers to the business category associated with each WhatsApp message template. This classification helps ensure that all templates comply with Meta’s policies and are aligned with the merchant’s approved business use case.

Template LOB:

• Education

• Retail

• Finance

• Commerce

Template Category

• Marketing: Promotional messages, offers, and announcements.

• Utility: Informational updates, service alerts, or status notifications.

• Authentication: Messages for verifying user identity (e.g., login codes).

Guidance

Bill Broadcast via DOKU Dashboard

Bill broadcast via dashboard enables merchants to send billing messages directly through the —without the need for any system or API integration. This feature is designed to accommodate merchants who operate without a backend system, allowing them to reach customers efficiently with just a few clicks.

Terms

1. Merchant has

2. Merchants can perform bill broadcast via the .

3. Merchants must have a sufficient balance to initiate a broadcast.

Guidance

Broadcast via API

Bill broadcast via API allows merchants to send billing or transactional messages programmatically using their own system. This method supports all template types, offering full flexibility for a wide range of use cases—such as billing reminders, order updates, promotional messages, and more.

By integrating with DOKU’s WhatsApp Business API, merchants can automate broadcasts at scale, personalize messages based on customer data, and trigger notifications in real time. This is ideal for businesses with an existing system or platform seeking a seamless and scalable messaging solution. API access also includes delivery status tracking and message performance reporting.

Terms

1. Merchant has

2. Merchants must have a sufficient balance to initiate a broadcast.

3. Merchant connect trough the API Below

Add Items

To add new items to your Digital Catalog, follow these steps:

1. Navigate to Add Items

   • Log in to your .

   • Navigate to Items or Accept Payments > Digital Catalog

   • Click Add Item

2. Item Information

   • Title:

     • Provide the item name (up to 150 characters).

3. Variant & Stock

   • You can enable up to 2 variant types for the product (e.g., size, color)

   • Set the price and stock for each variant

4. Optional Details

   • SKU:

     • Unique identifier to track and manage individual items in your inventory

5. Save or Publish

   • You can either Save as Draft or Publish

     • Draft will keep the item in your inventory without being published to your Digital Catalog

Edit Items

To edit your existing items, follow these steps:

• View All Items

  • On Items page, find the Item that you wish to edit

• Edit Item Details

FAQ

PayChat is an all-in-one WhatsApp-based solution that helps merchants sell, communicate, and collect payments—all within a single platform. Designed to simplify digital transactions, PayChat combines messaging and payment in one seamless experience.

PayChat is an all-in-one WhatsApp-based solution that helps merchants sell, communicate, and collect payments—all within a single platform.

Overview

WhatsApp Business

Create and manage your official WhatsApp Business account through PayChat.

• Build a professional business profile

• Connect your own number

• Send broadcasts, receive orders, and manage all conversations

One WhatsApp number, a more professional customer experience. 👉

Accept Order

Receive and manage customer orders directly through WhatsApp—without external forms.

• Customers view products and prices inside the chat

• Orders arrive in real time

• Payment happens right after confirmation

A faster, cleaner, frictionless sales process. 👉

Bill Broadcast

Send messages to multiple customers at once—fast, personal, and efficient.

• Share promotions, announcements, or payment reminders

• Available via dashboard or API

• Uses official WhatsApp channels

No complex system—just upload and send. 👉

Benefits

💬 One WhatsApp for All Your Business Needs

Manage orders, transactions, and customer interactions without switching platforms. Customers stay on WhatsApp, and you stay focused on selling.

⚡ Faster, Smoother Payments

PayChat combines conversations and payments into a single flow. Customers simply chat, choose, and pay—right inside WhatsApp.

🎯 More Effective Communication & Promotions

Send broadcast messages, payment reminders, or promotional campaigns in seconds. Reach customers through the channel they use every day.

🧩 No Integration Needed

PayChat is ready to use out of the box. Activate the features, connect your WhatsApp number, and start selling instantly.

FAQ

Overview

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.

Key Features

Flow of Transaction

Cash Out transaction has the following flow of steps:

1. Visit the Nearest Indomaret Store: Locate the nearest Indomaret store and approach the POS machine or cashier.

2. Inform Cashier: Request a cash withdrawal from the cashier. The cashier will guide you through the process.

3. Provide Details: Specify the product type (e.g., DOKU e-Wallet) and name the merchant offering the Cash Out service.

Requirements

• Merchant must be a Financial Institution (Bank or non-Bank) that is licensed in Indonesia

• Merchant must have a mobile app to trigger the Cash Out transaction

• Mobile app that belongs to the Merchant must already be live and can be operated by the Merchant’s user

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 select one of the following options:

   • Create Customer: to add a single customer manually.

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

Single Creation

To create a customer manually:

1. Click Create Customer

2. Fill in the following fields:

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

Notes:

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

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

Bulk Creation

To create customers in bulk 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

Notes:

• Verify the formatting before uploading to prevent errors.

• Large imports may take a few minutes to process.

Edit Customers

You can edit the data of your customers 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

Create Static VA

Visit for the step-by-step instructions.

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

Set Up Catalog Settings

To customize and your catalog in Digital Catalog, follow these steps:

1. Open Digital Catalog Dashboard

   • Log in to and navigate to Accept Payments > Digital Catalog

   • You will see an overview of your catalog.

2. Go to Catalog Information tab to configure the following settings

   • Logo: Upload or change the logo shown on your Digital Catalog

     • Logo is based on your brand logo
3. Go to Contact Details tab to configure the following settings

   • Phone Number , Email , Postal Code , and Address

   • Contact details are used for item shipment, and can be seen by your customers on your Digital Catalog

View and Share Catalog

To customize and your catalog in Digital Catalog, follow these steps:

1. Open Digital Catalog Dashboard

   • Log in to and navigate to Accept Payments > Digital Catalog

   • Click View My Catalog

• Share via:

  • QR Code (downloadable/printable)

  • Direct link

FAQ

This page outlines the technical, business, and regulatory requirements, as well as the transaction limitations, for each supported payment method in Malaysia.

Limitations

Cards

Internet Banking

e-Wallet

PayLater

Overview

Refund

Terms and Conditions

Features

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

Overview

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.