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Accept Payments

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Manage Business

Use DOKU Dashboard to manage your Business Account

Overview

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.

  • Account Password - The password that is used to register for your User Account.

My Business Account Information

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

  • Business ID - The registered ID of your Business Account.

  • 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.

  • 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.

  • DOKU Public Key - The public credentials of your Brand Account by DOKU that is used for technical integration.

  • Merchant Public Key - The public credentials of your Brand Account by the Merchant that is used for technical integration.


FAQ

Can I give dashboard access to my team?

Yes, you can invite as many team members as you like to access your DOKU Dashboard. Please follow the the guide on Invite Team Members.

What is the access level and permission for each role in team management?

Access level and permission for each role can be found on Member Roles and Permissions.

As an Admin, you can edit the roles of your team members.

How to switch the language of the dashboard?

DOKU Dashboard supports two languages: Indonesian and English. You can switch between the two languages by following the steps below:

  1. Click the ellipsis icon next to your name

  2. Switch the language based on your preference.

Why are some of the menus missing from the side navigation bar?

Menus may be missing due to the access level of your user account. Please ensure that your team member is assigned to the correct role to be able to access the appropriate pages.

Visit Member Roles and Permissions to learn the access level for each role.

Why are the button names in the documentation different from those on my dashboard?

This discrepancy may be due to one of the following reasons:

  • Your dashboard is set to a different language than the one used in the documentation.

  • The documentation is currently being updated. If you notice outdated information in our documentation, please let us know so we can ensure it is corrected.

Manage Team Members

Add, remove, or assign roles to team members

Once you have a DOKU Business Account, you can start inviting other members in your business to gain access to the DOKU Dashboard. Inviting users to your Business Account will create a User Account for them without having to create a new Business Account again.


Invite Team Members

You can add users to your team and assign them roles to limit their access to the dashboard. You can invite as many team members as you like to access your DOKU Dashboard by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Team & Security section, select Team Management

  3. Team Management page will appear, then click Invite Team Member

  4. Enter your team member's email address and assign the appropriate role

  5. Complete Google reCAPTCHA, then click SAVE.

You can only invite other team members as an Admin.


Edit or Remove Team Member

Besides inviting team members, you are also enabled to edit their role or remove them from your team. You can remove or change the role of your team member by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Team & Security section, select Team Management

  3. Team Management page will appear where you can see the list of all your team members

  4. Click trash icon to remove team member, or click pencil icon to change the role of your team member.

You can only remove or change the role of other team members as an Admin. Admin can remove or change the role of other Admins.


Member Roles and Permissions

The following table is a list of all the roles and their permissions:


FAQ

Can I monitor the activities of my team members?

You can monitor the activities of your team members by following the steps below:

  1. Select Settings from the menu

  1. Settings page will appear. Under Team and Security section, select Activity Logs

  1. Activity Logs page will appear, where you will be able to see all the activities of your team members in the DOKU Dashboard

Introduction

Get Started with DOKU for your Payment Solutions

DOKU (PT Nusa Satu Inti Artha) was established in 2007 and became the first Indonesian-owned electronic payment solutions provider to offer local payment solutions tailored to address merchants' online payment needs.


Accept Payments

No-Integration Products

Web/Mobile Integration


Payouts


Other Solutions


Mobile Apps

Need Help?

Accept Payments

Select Integration Method

DOKU offers flexible integration options to suit your business needs, whether you are building a custom checkout, using an existing platform, or developing mobile apps. You can integrate with DOKU by choosing one of the following methods:

If you are unsure which method is best for your use case, we recommend starting with DOKU Checkout for faster setup, then migrating to Direct API as your needs become more advanced.


Set Up Payment Notification

Set your payment notification URL to receive real-time updates via API webhook (callback). The following guides show how to set up the payment notification URL for each payment method:

Bank Transfer (Virtual Account)

You can configure your payment notification URL for Bank Transfer (Virtual Account) payment methods by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Payment Settings section, select Virtual Account

  3. Virtual Account Settings page will appear, then click Configure based on the Virtual Account of your choice

  4. A pop-up box will appear where you can set your payment notification URL, then click SAVE.


Cards

You can configure your payment notification URL for Cards payment method by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Payment Settings section, select Cards

  3. Cards Settings page will appear, then click Payment Configuration tab


e-Wallet

You can configure your payment notification URL for e-Wallet payment methods by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Payment Settings section, select e-Wallet

  3. e-Wallet Settings page will appear, then click CONFIGURE based on the payment method of your choice

  4. A pop-up box will appear where you can set your payment notification URL, then click SAVE.


Convenience Store

You can configure your payment notification URL for Convenience Store payment methods by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Payment Settings section, select Convenience Store

  3. Convenience Store Settings page will appear, then click CONFIGURE based on the payment method of your choice

  4. A pop-up box will appear where you can set your payment notification URL, then click SAVE.


PayLater

You can configure your payment notification URL for PayLater payment methods by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Payment Settings section, select PayLater

  3. Paylater Settings page will appear, then click CONFIGURE based on the payment method of your choice

  4. A pop-up box will appear where you can set your payment notification URL, then click SAVE.


Direct Debit

You can configure your payment notification URL for Direct Debit payment methods by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Payment Settings section, select Direct Debit

  3. Direct Debit Settings page will appear, then click CONFIGURE based on the payment method of your choice

  4. A pop-up box will appear where you can set your payment notification URL, then click SAVE.


Digital Banking

You can configure your payment notification URL for Digital Banking payment methods by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Payment Settings section, select Digital Banking

  3. Digital Banking Settings page will appear, then click CONFIGURE based on the payment method of your choice

  4. A pop-up box will appear where you can set your payment notification URL, then click SAVE.


QRIS

You can configure your payment notification URL for QRIS by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Payment Settings section, select QR Payment

  3. QRIS Settings page will appear, then click Edit based on the payment method of your choice

  4. A pop-up box will appear where you can set your payment notification URL, then click Submit.


Simulate Transactions

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 e-Katalog. You can simulate transactions with DOKU Sandbox by following the steps below:

  1. Select Settings from the menu

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

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

  4. Click Simulate.

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

Activate Business

Have your Business Account verified to unlock all DOKU Dashboard features

Activating your DOKU Business Account requires you to complete 4 stages as follows:


1. Choose Business Account Type

There are 3 different types of Business Account you can choose from. You are free to choose the Business Account that best suits your business.


2. Submit Business Data

Each type of Business Account has different business data requirements.

Business/Brand Proof Guidelines

Submitting proof of your business’s legitimacy is essential to build trust and ensure compliance with DOKU’s policies. Proof of legitimacy can take one of three forms: location, activity, or product/service. Below are the details for each type of proof:

Additional Requirements for Specified Lines of Business

  1. Agriculture

  • Requirements: Photos of the farm, crops, equipment or agricultural activities.

  1. Charity

  • Requirements: Photos of the charity events, beneficiaries, and/or registration certificate.

  1. Digital and Game

  • Requirements: Screenshots of the platform, game interface, and/or user engagement.

  1. Education

  • Requirements: Photos of the educational institution, classrooms, students (if applicable), educational activites, and/or accreditation certificate.

  1. Event Organizer

  • Requirements: Photos of events organized, venues, and promotional materials.

  1. Hospitality

  • Requirements: Photos of the establishment (hotel, resort, hostel), rooms, and amenities.

  1. Logistics

  • Requirements: Photos of the warehouse, transportation fleet, and storage facilities.

  1. Manufacture

  • Requirements: Photos of the manufacturing facility, production line, and products.

  1. Transportation

  • Requirements: Photos of the vehicles, transportation hubs, and logistics operations.

  1. Airlines

  • Requirements: Photos of the aircraft fleet, boarding areas, ticketing counters, and airline operations.

Submission Tips

  • It is not mandatory to submit photos for each proof type (location, activity, and product/service), but it is highly advisable as it expedites the verification process.

  • Location photos cannot be sourced from Google Maps.

  • Photos must be clear, well-lit, and sharply focused.

  • Screenshots containing text, images, and any details must be visible and readable.

  • The submitted proof should directly substantiate the legitimacy of your business within the specified category, aligning with the data provided during business account setup.


3. Upload Documents

The document requirements vary for each Business Account type.

  • NIB (Nomor Induk Berusaha)

  • Surat Izin Usaha

  • Akta Pendirian dan Perubahan Perusahaan

  • SK Kemenkumham dan Perubahan Perusahaan

  • Business Proof Photo (Location/Activity/Product)

  • NPWP (Nomor Pokok Wajib Pajak)

  • KTP/KITAS of Director

For certain line of business, there will be an additional document(s) that is required to be submitted as such:

  • Certificate of Incorporation / Business Registration Document

  • Shareholder Structure

  • Business License (related to the line of business)

  • Bank Reference Letter

  • Passport of Director

  • Identity Card (KTP/KITAS/Passport)

  • Self Photo with Identity Card

  • Business Proof Photo (Location/Activity/Product)

Before you upload and submit the documents for account registration, please ensure that the documents are

  1. Readable, not blurry;

  2. Uncensored;

  3. Not expired; and

  4. Owned by the company, the business entity name has to be written on the document.

Document Limitations

  • Formats: PDF, JPG, JPEG, PNG

  • Size: Maximum of 15 MB


4. Wait for Account Verification

Tips You don't need to wait for your Business Account to be verified to start accepting payments. However, we will only process the funds settlement after your business account has been verified.


FAQ

My file/document is failed to be uploaded. What should I do?

Your file might fail to be uploaded due to the following reasons:

  1. The file format is invalid

  2. The file size is too big

  3. The file is corrupted

Please ensure that your documents follow the below rules.

  1. The file format is either PDF, PNG, JPG, or JPEG

  2. The file size less than 15 MB

  3. The file can be accessed and opened

Can I update my Business Account data after submitting account registration?

Yes, you are free to update your business data after you have completed the business account registration. Please note that the verification process of your Business Account may take longer than usual as we would have to review your data from the beginning.

Can my Business Account verification be rejected?

Your Business Account verification may be rejected due to incomplete documents or invalid data. During this time, DOKU will be unable to process your settlement funds in order to comply with Anti-Money Laundering and Countering the Financing of Terrorism (AML/CTF) regulations. DOKU will continue to hold your settlement funds until you are able to submit all the required documents and data.

My Business Account verification is rejected after I started accepting payments. What should I do?

If your business account verification was rejected due to incomplete documents or invalid data, DOKU will be unable to process your settlement funds in order to comply with Anti-Money Laundering and Countering the Financing of Terrorism (AML/CTF) regulations.

  • Your Brand ID

  • Invoice Number

  • Transaction Date

  • Transaction Amount

  • Customer's Bank Account

  • Amount to be Refunded (Full/Partial)

How to check whether my business account has been verified?

You will be notified via email once your DOKU Business account has been verified.

What to do after my business account has been verified?

Once your DOKU Business Account has been verified, you will be able to access all features and tools available in the DOKU Dashboard, including accepting payments and processing fund settlements.

Can I get a personal assistance from DOKU Team to help me with my Business Account activation?

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

Permissions
Admin
IT
Finance
Operation
Customer Service

Log in to , and then access the side navigation bar

Learn more about Bank Indonesia SNAP migration .

Visit for more information.

Method
Setup Time
Customization Level
Best For

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

Payment Configuration tab will appear, click Edit and insert your payment notification URL in the field, then click Submit to save the changes.

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

Business Type
Definition
Example
Data Type
Corporate
International
Personal
Business Proof Type
Photo Description

All data submitted to DOKU are encrypted and protected. Please check our for the full details.

Business Line
Additional Required Documents

Once you have successfully uploaded all of the required documents, your Business Account will undergo a verification process that may take up to 48 hours. You'll be notified via email once the process is complete. If no notification is received after this period of time, please to DOKU Care or send an email to care@doku.com.

DOKU will continue to hold your settlement funds until you are able to submit all the required documents and data. Please refer to to avoid your business account verification getting rejected.

If you fail to provide all the required documents requested by our team, you may choose to refund the completed transactions to your customers by or sending an email to . Please make sure to include the following details:

Absolutely. Please fill and submit the following . Our team will reach out to you and provide a free consultation to help you successfully activate your Business Account. We will also assist in answering any questions you may have about our products and services.

Manage Team Members
Activate Services
Manage Payment Methods
Set Up Integration
Manage Finances
Manage Reports
Manage Operations
Manage Customers
Set Up a Promo
Manage Multiple Brands
Update Business Data
DOKU Dashboard

Create and manage Payment Link

✅

✅

✅

✅

✅

Create and manage Items on e-Katalog

✅

❌

❌

✅

❌

View, export, and manage transaction report

✅

✅

✅

✅

✅

View reconciled transactions and settlement

✅

❌

✅

❌

❌

View checkout orders

✅

✅

❌

✅

❌

View and update business information

✅

❌

❌

❌

❌

Manage service and payment methods

✅

❌

❌

❌

❌

Invite, edit, and remove team member

✅

❌

❌

❌

❌

Access to notification center

✅

✅

❌

✅

❌

Configure payment settings

✅

✅

❌

✅

❌

Configure checkout page

✅

✅

❌

✅

❌

Corporate

Merchants with a legal business entity in Indonesia

PT, CV, UD, Firma, Yayasan, and Koperasi

International

Merchants with a legal business entity outside Indonesia

Pvt Ltd, PLC, LLP, NPO, Corp., etc.

Personal

Merchants without any legal business entity

Home-based businesses, Food Stalls, Online Sellers, Freelancers, and Content Creators

User Data

- Full Name

- Email Address

- Password

- Phone Number

- Full Name

- Email Address

- Password

- Phone Number

- Full Name

- Email Address

- Password

- Phone Number

Owner’s Data

- Full Name

- Nationality

- Position

- Phone Number

- Email Address

- ID Card (KTP or KITAS)

- Passport

- Full Name

- Nationality

- Position

- Phone Number

- Email Address

- Passport

- Full Name

- Nationality

- Phone Number

- Email Address

- ID Card (KTP) - Self Photo

Business Data

- Business Entity Name

- Business Type (e.g., PT, CV, PO, etc.)

- Phone Number

- Business Postal Code and Address

- Business Location Photo

- Business Entity Name

- Business Type (e.g., Pvt Ltd)

- Phone Number

- Business Postal Code and Address

- Business Location Photo

N/A

Brand Data

- Brand Name

- Line of Business

- Description

- Estimated TPT and TPV

- Social Media Links (Website, Facebook, Twitter, Instagram, App Store/Play Store)

Logo Brand

- Brand Name

- Line of Business

- Description

- Estimated TPT and TPV

- Social Media Links (Website, Facebook, Twitter, Instagram, App Store/Play Store)

Logo Brand

- Brand Name

- Line of Business

- Description

- Estimated TPT and TPV

- Social Media Links (Website, Facebook, Twitter, Instagram, App Store/Play Store)

Logo Brand

Bank Account Data

- Bank Name

- Bank Account Name

- Bank Account Number

- Currency

- Bank Name

- Bank Account Name

- Bank Account Number

- Bank Country

- Currency

- SWIFT Code

- Bank Name

- Bank Account Name

- Bank Account Number

- Currency

Location (Place of Business)

Exterior or interior photos of the establishment (for instance: storefront, office, factory, or workstations) with a board that shows the company's name or logo

Activity

Evidence showcasing business activities and engagements in forms such as:

  1. Photos or videos of highlighting the business activities with the owner(s) or employee(s) of the company.

  2. Events, press releases, media coverage, or articles featuring the company.

  3. Marketing campaigns, advertisements, social media posts or content showcasing customer engagement and community support initiatives.

  4. Order invoices, client testimonials, financial statements, transaction records, or sales reports validating business activity and revenue.

  5. Contracts or agreements with clients, suppliers, or partners confirming ongoing business relationships.

  6. Awards, recognitions, or industry certifications showcasing business achievements and credibility.

Product or Service

Evidence of products/services that are offered by the company in forms such as:

  1. High-quality images showcasing product/service variations and features.

  2. Screenshots or videos demonstrating the functionality of digital platforms, websites, software, or apps.

  3. Online store screenshots displaying product listings with prices and descriptions.

  4. Portfolio or catalog highlighting offered products or services.

  5. Transaction flow diagram illustrating transactions (either offline or online) of the product/service .

Capital Market

BAPPEBTI License (Badan Pengawas Perdagangan Berjangka Komoditi)

Charity

Surat Izin PUB (Pengumpulan Uang dan Barang) from the Ministry of Social Affairs

Education

License from the Ministry of Education, Culture, Research, and Technology or from any Education Authorities

Event Organizer

  • Surat Izin from BOPI (Badan Olahraga Professional Indonesia)

  • Surat Izin Keramaian from the Police Department

Food and Beverage

  • Surat Izin from BPOM (Badan Pengawas Obat dan Makanan)

  • Halal License from MUI (Majelis Ulama Indonesia)

Peer-to-peer Lending

  • Tanda Daftar Penyelenggara Sistem Elektronik from the Ministry of Communication and Information Technology

  • License from OJK (Otoritas Jasa Keuangan)

Pharmacy

  • Surat Izin BPOM (Badan Pengawas Obat dan Makanan)

  • Surat Izin Edar Alat Kesehatan from the Ministry of Health Department

Retail

License from an Authorized Distributor

Travel Agency

  • Sertifikat Keanggotaan Asita (Association of the Indonesian Tours and Travel Agencies)

  • Surat Izin Penyelenggaraan Ibadah Haji dan Umrah from the Ministry of Religious Affairs

Internet Service Provider (ISP), Telecommunication, or Cloud Hosting

  • Certificate from KOMINFO

Cigarettes, e-Cigarettes, and Tobacco Products

  • License from Directorate General of Customs and Excise (Bea Cukai)

Payment Service Provider (PSP) or PJSP

  • License from Bank Indonesia

Contact Support
Bank Transfer (Virtual Account)
Cards
e-Wallet
Convenience Store
PayLater
Direct Debit
Digital Banking
QRIS
Business/Brand Proof Guidelines
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
here
DOKU Checkout
Direct API
e-Commerce and Plugins
SDKs and Libraries
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
DOKU Sandbox
Privacy Policy
submit a ticket
submitting a support ticket
care@doku.com
form
Choose Business Account Type
Submit Business Data
Upload Documents
Wait for Account Verification

Fast

Medium

Merchants seeking a secure and optimized checkout experience

Moderate

High

Merchants requiring full control over the payment flow

Very Fast

Medium

Shopify, WooCommerce, and Adobe Commerce (Magento)

Fast

High

Mobile apps and web integrations

Activate Services

Enable the services offered by DOKU

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

  1. Select Settings from the menu

  2. Settings page will appear. Under Account section, select Service

  3. On Service page, click ADD SERVICE

  4. Select the service you would like to activate

  5. Click ACTIVATE.


FAQ

Manage Payment Methods

Configure and customize available payment options for your customers

Activate Payment Methods

You can activate payment methods for your business by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Account section, select Service

  3. On Service page, click ADD SERVICE.

  4. Select the payment method you would like to activate

  5. Click ACTIVATE.


Configure Payment Methods

In this section, you will learn how to configure features for each payment method.. We'll cover specific configuration steps, such as setting up your merchant prefix name for Bank Transfers and country BIN for Cards, and ensuring each payment method is tailored to your business needs.

Bank Transfer (Virtual Account)

Merchant Prefix Name

You can configure your prefix name for Virtual Account by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Payment Configuration section, select Virtual Account

  3. Virtual Account Settings page will appear, then click Configure based on the Virtual Account of your choice

  4. A pop-up box will appear where you can add or change the prefix of the Virtual Account to be your business/brand name, then click SAVE.


Cards

Country BIN

You can filter which countries are allowed for card transactions to be processed by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Payment Configuration section, select Cards

  3. Cards Settings page will appear, then click Payment Configuration tab

  4. Click Save to submit.


QRIS

Static QRIS

You can view your static QRIS image by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Account section, select Service

  3. Search for QRIS under the Service list, and then select See Details

The static QRIS image becomes available once the payment method is activated.


FAQ

How to activate credit card installments?

Simply follow the guide on Activate Payment Methods, and ensure that Installments are selected. Please note that Cards payment method with Regular Sale type must be activated before you can activate Installments.

Why are some of the payment methods disabled?
Why is my payment method status still updating?

Certain payment methods require merchant ID or credentials from the respective bank/payment channel in order for the payment method to be activated. If your payment method status is still updating, the bank/payment channel is still in the process of creating your merchant ID or credentials.

Please contact your account manager or sales representative for assistance.

How long do I need to wait for the payment method to be activated?

Certain payment methods require merchant ID or credentials from the respective bank/payment channel in order for the payment method to be activated. This process may take 7-14 working days depending on the payment method.

Please contact your account manager or sales representative for assistance.

How to check whether my payment method has been activated?

You will be notified via email once any payment method has been activated.

You may also check the payment method status by following the steps below:

  1. Select Settings

  2. Under Business Info section, select Service

  3. Service page will appear where you may find all the list of payment methods that you have activated. If your payment method has been activated, the status will be ACTIVE

How to check the transaction fees charged for each payment method?

You can check the fee that is charged to you for each payment method that you activated by following the steps below:

  1. Select Settings from the menu

  2. Under Finance Settings tab, select Fee Scheme

  3. Fee Scheme page will appear where you can check the fee that is charged to you based on each payment method that you activated.

What is the difference between DGPC, MGPC, and DIPC in Virtual Account?

Feature Type

Description

DOKU Generated Payment Code (DGPC)

Merchant sends a payment request to DOKU, and DOKU will create the unique payment code and send it to Merchant. This is suitable for an e-commerce business model.

Merchant Generated Payment Code (MGPC)

Merchant generates their own payment code and forwards the payment code to DOKU. This is suitable for a top-up payment.

Direct Inquiry Payment Code (DIPC)

Merchant first registers the payment code, and DOKU will forward the inquiry request to Merchant when a customer chooses to make a payment. This is suitable for a top-up payment, especially for static Virtual Account.

The default feature type for any payment method is DGPC. When another feature is activated, you will have to choose which feature will you be using for a particular transaction. You can have more than one feature activated for 1 payment method, but a transaction cannot be generated with 2 features at the same time.

Create Account

Sign up and gain access to DOKU Dashboard

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

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

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


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

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


FAQ

I did not receive any OTP during registration. What should I do?

You can troubleshoot this issue in two ways:

  1. The OTP may not have been successfully sent due to an invalid email address entered during registration. Please ensure that the email address you provided is correct and capable of receiving emails from outside your organization.

  2. The email might be inside your Spam folder. Please ensure that you have checked your Spam folder.

What is the difference between a User Account and a Business Account?

A Business Account represents your company as a whole, while a User Account represents an individual member within your company. A single Business Account can have multiple User Accounts, depending on how many members are needed to manage your business operations.

Can I sign up for multiple Business Accounts with the same company and user information?

Yes, although this is not recommended, as our risk screening team may not approve your account verification. If your company operates multiple lines of business and you wish to accept payments for each, you can register a single Business Account and enable the Multi-brand feature. You can learn more about Multi-brand on Manage Multiple Brands.

Hold and Release

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.

Split Settlement

Split Settlement is a feature that allows you to split the amount of the transaction into more than one settlement bank account. It's an ideal solution for merchants requiring customized settlement rules that can be used for marketplaces, platforms, franchises, as well as businesses with multiple branches.

Split Settlement can be configured based on a percentage or a fixed amount. Split Settlement can be set up either via API or DOKU Dashboard for every successful transaction that occurred on the same day.


Key Features

  • Rule-based Splitting: Define rules to automatically distribute funds among various recipients.

  • Real-time Settlements: Enjoy the convenience of instantaneous fund transfers as transactions occur.

  • Customizable Thresholds: Set specific criteria for splitting funds, ensuring flexibility in financial management.


Activate Split Settlement

You can activate split settlement by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Account section, select Service

  3. On Service page, click ADD SERVICE

  4. A pop-up window will appear with service options. Scroll down to find Financial Services. Check the Split Settlement checkbox and click Activate

  5. Ensure that the Split Settlement service appears on the Service page

  6. Split Settlement service will have the status UPDATING when it is first added, and once it has been verified by DOKU, the status will change to ACTIVE.


Configure Split Settlement

You can configure split settlement or update existing configuration to transactions using DOKU Dashboard by following the steps below:

  1. Select Reports from the menu, then choose Reconciled Transactions

  2. Filter transactions with the status "Payment Success", then click search

  3. Once the relevant transactions appear, locate the action table on the right side

  4. Click the "⁝" icon in the action column

  5. A pop-up will appear; select "Settlement Configuration"

  6. Details of the transaction and the destination bank account will be shown

  7. Click "Split Transaction" in the pop-up box

  8. To add more bank accounts, leave the value field empty and click "Add more bank"

  9. Adjust the bank account destination and split amount as needed.

  10. Select the amount type (fixed amount or percentage) by clicking "Split by"

  11. Add more bank accounts if needed. A maximum of 10 destination bank accounts are allowed

  12. Ensure the following rules are adhered when values are being input for split settlement

    • If "Split by Percent" is selected, the total percentage input must not exceed 100%

    • If "Split by Fixed Amount" is selected, the total input amount must not exceed the "Total Settlement Amount" specified

  13. Click "Save Configuration" to convert the transaction to split settlement. There will be an indicator that your transaction has been marked for split settlement under "Invoice Number" column.


Cancel Split Settlement

Transactions that have been previously configured to be split settled can still be cancelled as long as the transaction status remains as "Payment Success". You can cancel the split settlement of a transaction by following the steps below:

  1. Select Reports from the menu, then choose Reconciled Transactions

  2. Filter transactions with "Payment Success" status and "Split Settlement" set to "Yes," then click "Search"

  3. Select a transaction, proceed to the action menu and click "Settlement Configuration."

  4. Details of the transaction and the destination bank account will be shown

  5. There are two ways to cancel split settlement of a transaction:

    • Click the ⛔ icon next to the bank account until only one account remains, then click "Save Configuration"

    • Alternatively, click "Reset Configuration," then "Save Configuration"

  6. Upon successful cancellation, a success notification will appear, and the split settlement icon will vanish.


Troubleshooting

Invalid Split Settlement Bank Account

An invalid split settlement bank account error occurred due to an incorrect input of the split settlement bank account destination configuration. This caused our system to be unable to process the settlement with the transaction status "Pending Settlement".

  1. Select Reports from the menu, then choose Reconciled Transactions

  2. Filter transactions with "Pending Settlement" status and input the invoice number, then search

  3. Changes can be made if the transaction remark is "Split Settlement Bank Account Invalid." Click "Settlement Configuration" to modify data

  4. A pop-up box will appear that shows the settlement configuration of the transaction, then fill the necessary fields field

  5. After the pop up settlement configuration page appears, fill in the empty bank account field with a valid bank account.

  6. After selecting the desired bank account, click “Save Configuration”

  7. Upon a success configuration, a notification will appear.

Notable Rule

  1. Through split settlement, merchants receive data distribution from several settlement batches based on configured accounts.

  2. If the configured split settlement amount is less than the total settlement amount, the remainder goes to the default account set on the Settlement Settings page.

  3. Configuration changes can only be made for transactions with "Payment Success" and "Pending Settlement" statuses. Transactions with other statuses cannot be changed as the settlement batches have been created.

  4. Refunding a split settlement transaction deducts the split amounts from upcoming batches. Refund fees from DOKU are subtracted from the batch settlement funds. The following is an illustration of how refunding a split settlement transaction is processed.

    • A transaction contains an amount of IDR 100,000 with a fee of IDR 5,000

    • 60% is settled to bank account X

    • 40% is settled to bank account Y

    If a refund occurs, the amount transferred to bank account X is reduced by IDR 60,000 and bank account Y is reduced by IDR 40,000.

  5. Refund fees are deducted from batch settlements recorded on Settlement Settings page.

Status Mapping

  • Payment Success: Successfully recorded transactions in the DOKU system, to be distributed to merchants per configured settings.

  • Pending Settlement: Successful transactions reconciled between DOKU & Acquirer but pending due to incorrect transaction information or configuration.

  • Total Settlement Amount: Net transaction value DOKU will distribute to the merchant.


FAQ

Can I make split settlement with API?
Can I make a split settlement to an overseas bank account and a local bank account?

No, split settlement between an overseas bank account and a local bank account is not supported. You can only split settlements under the following conditions:

  • Between multiple local bank accounts (e.g., BCA and Mandiri within Indonesia)

  • Between multiple overseas bank accounts (e.g., DBS Singapore and UOB Singapore)

Dispute

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. Select Reports from the menu, then choose Dispute

  2. 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

  3. 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.

    • Close = It has been successfully followed up by the role with checker access. Admin or Finance, and you can find the record now in the transaction report

    • Rejected = It has been rejected by the DOKU system as the stated reason.


  1. Select Reports from the menu, then choose Dispute

  2. 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

  3. If it is successful, the status will be updated to Close and you can now find the transaction in your transaction report.

Analytics

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. Select Dashboard

  2. 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. Select Dashboard

  2. In the Trend section, click Edit View

  3. Choose which analytics to display by ticking the checkboxes.


Export Analytics

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

  1. Select Dashboard

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


FAQ

What time zone is used in the analytics data?

All analytics data is displayed in GMT+7 for Jakarta. Please adjust accordingly when comparing with external systems.

How often is the data updated?

Analytics are updated in real time.

Can I filter analytics by payment method?

Currently, you can filter by date range. For more granular breakdowns by payment method or channel, use the Top Payment Methods and Top Failed Transactions analytics.

Are refunds and chargebacks included in the analytics?

Refunds and chargebacks are not included in Gross Volume but may affect Successful Transactions depending on the processing stage.

What does "Top Failed Transactions" include?

This includes failure reasons such as:

  • Insufficient funds

  • Bank downtime

  • Payment timeout

  • Invalid payment details

You can use this to troubleshoot recurring customer issues.

Manage Reports

View and download reports for transactions, settlements, and more

Report Types

Log in to , and then access the side navigation bar

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

Why are some of the services disabled?

Certain services require you to sign an agreement with DOKU to be enabled. If you wish to enable those services, please contact our Sales team by filling the following .

Why is my service status still updating?

Certain services require specific business criteria to be met before they can be activated. If your service status is still updating, please contact your account manager or sales representative for further assistance. Otherwise, please contact our Sales team by filling the following .

Log in to , and then access the side navigation bar

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

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

Payment Configuration tab will appear. Under Country & BIN Filtering section, select either of the two options: (1) Allow all BIN countries or (2) Allow partial countries. Selecting partial countries will require you to select the country of your choice

Log in to , and then access the side navigation bar

A pop-up box will appear where your static QRIS image can be seen.

Certain payment methods require you to sign an agreement with DOKU to be enabled. If you wish to enable those payment methods, please contact our Sales team by filling the following .

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

If you would like to use MGPC or DIPC, you may contact your account manager or to DOKU Care to activate the feature.

Visit

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 .

If you have an existing Business Account, you can skip this process by creating a User Account.

Visit

DOKU Sandbox Account has been successfully created. You can proceed to log in to using the credentials you provided in the registration form.

If your questions cannot be found here, please visit for further information.

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

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

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Log in to , and then access the side navigation bar

Yes, please refer to our .

Submit Dispute Request

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Follow Up Dispute Request

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Report Type
Description
Use Case
Export Options
DOKU Checkout
Direct API
e-Commerce and Plugins
SDKs and Libraries
DOKU Dashboard
form
form
form
DOKU Dashboard
form
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
form
DOKU Dashboard
DOKU Dashboard
submit a ticket
DOKU Dashboard Registration page
here
Learn more
DOKU Sandbox Registration page
DOKU Sandbox
API Reference
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
Split Settlement API Reference

Analytics

Displays visual graphs of business and transaction performance over time

For business owners and stakeholders to visualize trends and assess overall business health

View graphs directly in the Dashboard or export them as images

Transaction Report

Displays all transactions with various statuses, including successful, pending, failed, or expired

For operations teams to review, monitor, and reconcile all recorded transactions

Export files manually or receive them automatically via SFTP or scheduled email

Settlement Report

Displays all successful transactions where funds have been received and settled into the merchant's bank account

For finance teams to reconcile settlement amounts with internal financial records and identify discrepancies

Export files automatically via SFTP or email, based on the settlement schedule

​
DOKU Dashboard
​
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard

Settlement Report

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. Select Settings from the menu

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

  3. 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

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

Your settlement report is sent to you automatically every time a settlement takes place. You are not required to retrieve the settlement report from the dashboard.


View Settlement Batch Transactions

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

  1. Select Reports from the menu, then choose Settlements

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

  3. A pop-up box will appear that displays all the details of the selected settlement report


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. Select Reports from the menu, then choose Settlements

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

  3. The settlement batch report will be sent to you either by email or SFTP, based on your settlement configuration.


FAQ

I still have not received my settlement report. What should I do?

You will only receive your settlement report when a settlement takes place. If you cannot find your settlement report in your inbox or SFTP folder, you can resend your settlement report by following the steps below:

  1. Select Reports from the menu, then choose Settlements

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

  3. The settlement batch report will be sent to you either by email or SFTP, based on your settlement configuration.

What is the difference between Settlement Report and Transaction Report?

A Transaction Report provides a complete record of all transactions, including those that are successful, pending, failed, or expired.

In contrast, a Settlement Report includes only successful transactions — meaning the transactions listed have been fully processed, and the corresponding funds have been received and settled into the merchant’s bank account.

For financial reporting and reconciliation purposes, merchants are strongly advised to refer primarily to the Settlement Report.

Manage Multiple Brands

Add and manage different brands under one Business Account

Overview

There are two primary cases where companies can use Multi-brand:

  1. Multiple Brands under One Entity: This scenario applies to companies operating under a single legal entity while managing multiple distinct brands. For example, consider NULE, a company that owns three separate brands, each catering to different business lines: NULE Education for online courses, NULE Pay for online payments, and NULE Shop for e-commerce.

  2. Multiple Branches under One Entity: In this case, a company operates multiple branches, each serving a different geographical location or market segment. For instance, NULE operates as a single school entity with branches in Jakarta, Bali, and Bandung.


Activation

If you have not activated Multi-brand for your business account, you can do so by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Account section, select Business Info

  3. Business Info page will appear. Next, ensure that "Brand Information" tab is selected, then click "Add More Brand" button located on the right side of the page

If you do not see the "Add More Brand" button, this either means that (1) multi-brand has already been activated for your business account or (2) your business account type is not 'Corporate'.

  1. A new page will appear where you are required to input the data of your new brand such as

    • Brand Name;

    • Brand Logo (optional);

    • Business Category;

      • Additional documents may need to be uploaded depending on the selected business category

    • Brand Description;

    • Projected TPT & TPV of the Brand;

    • Business Proof; and

    • Website or Social Media Links

  2. Agree to DOKU Terms and Conditions and Privacy Policy, then click "Add New Brand" to complete the Multi-brand activation.

Upon a successful Multi-brand activation, the following things will occur:

  1. You will gain access to a new Brand Dashboard, and your user account will gain "Admin" role in the new Brand Dashboard.

Although your new brand has been activated, it will undergo a verification process that may take up to 48 hours. During the verification period, your new brand account will not be able to receive settlement of funds until it has been verified. You can monitor the verification process by checking the status of your brand account. The following is a list of brand account status that you may find in the Company Dashboard:

  • Draft → Brand account activation form has not been completed

  • On Review → Brand account has been successfully activated, but it is in the process of verification

  • Verified → Brand account has been verified


FAQ

Why is the "Add More Brand" button missing from my page?

If you do not see the "Add More Brand" button, this either means that (1) multi-brand has already been activated for your business account or (2) your business account type is not 'Corporate'. If your business account type is 'Personal' or 'International', you are not eligible to activate multi-brand for your business account.

How long does it take for my new brand to be verified?

The verification process may take up to 48 hours.

Can I immediately start accepting payments for the new brand that I have just created?

Yes, once you have completed the registration for the new brand, you can immediately start accepting payments for that brand, but with a transaction limit. However, please note that the settlement of funds will be held until the brand has been verified.

What are the requirements to activate Multi-brand?
  1. Your business account type has to be 'Corporate'.

Is there a limit to how many brands that I can create?

There is no limit to how many brands that you can create at the moment, however, please note that our team will verify every single brand that you will create and check its validity.

Is it possible to delete a brand that has been created?

It is not possible to delete a brand account once it has been created.

I have previously created two separate business accounts. Can I merge these two business accounts into one?
What should I do if I have an issue with the Multi-brand activation?

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

If the above method does not work, please ensure that your settlement notification has been set up. Visit for instructions.

Multi-brand is a feature in DOKU Dashboard that enables you to manage multiple brands or branches with a single business account. By activating Multi-brand, you will gain access to the , where you can view transactions of all the registered brands easily. You can also add team members and assign them to their respective brand account and limit their access appropriately.

Log in to , and then access the side navigation bar

You will be granted a , and your user account will gain a "Company Admin" role in the Company Dashboard.

If your new brand has a different line of business than your main brand, you are required to provide additional documents. The document requirements vary for each line of business. Please refer to for the full details.

Yes, please contact your account manager or sales representative for this request. If you don't have an account manager, please fill and submit form. You may also or send an email to for assistance.

Please contact your account manager or sales representative for any issue that you may have. If you don't have an account manager, please fill and submit form. You may also or send an email to for assistance.

Configure Settlement Recipients
Additional Requirements for Specified Lines of Business
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
Company Dashboard
DOKU Dashboard
Company Dashboard
this
submit a support ticket
care@doku.com
this
submit a support ticket
care@doku.com

Manage Operations

Monitor daily business activities and ensure smooth operations

Monitor Activity Logs

You can track user activities such as key changes, login attempts, permission updates, and other security-related events by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Team & Security section, select Activity Logs

  3. Activity Logs page will appear, where you can track user activities such as key changes, login attempts, permission updates, and other security-related events.


Monitor Maintenance

You can configure and monitor notifications related to system maintenance and product updates by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Notifications section, select Maintenance & Product Updates

  3. Maintenance & Product Updates page will appear, then ensure the Maintenance Service toggle is switched on

  4. Enter the email addresses of the recipients who should receive maintenance notifications. A maximum of three recipients is allowed.


Manage Notification Logs

View Transaction Notification

You can view transaction notifications by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Notifications section, select HTTP Notifications

  3. Notifications from the last 8 days will be displayed, then filter the list (if necessary) based on

    1. Invoice Number:

      1. Click the Invoice Number search bar

      2. Input the invoice number

      3. Click Search

    2. Endpoint URL:

      1. Click the Endpoint URL search bar

      2. Input the endpoint URL

      3. Click Search

    3. Date Range:

      1. Click the Datepicker

      2. Select the start and end date

      3. Click Search

  4. Click the Eye icon on the order row to view the Order Summary, Notification History, and Notification Details.

Resend Transaction Notification

You can resend notification for a transaction by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Notifications section, select HTTP Notifications

  3. Locate the order using filters if needed

  4. Click the Paper Plane icon on the order row

  5. Confirm by clicking Yes when prompted.


Manage Email Logs

View Email Logs

  1. Select Settings from the menu

  2. Settings page will appear. Under Notifications section, select Email Notifications

  3. Email from the last 8 days will be displayed, then filter the list (if necessary) based on

    1. Email Subject:

      1. Click the Email Subject search bar

      2. Input the subject

      3. Click Search

    2. Email To:

      1. Click the Email To search bar

      2. Input the recipient email address

      3. Click Search

    3. Email Sender:

      1. Click the Email Sender search bar

      2. Input the sender's email

      3. Click Search

    4. Date Range:

      1. Click the Datepicker for Start Date and End Date

      2. Select your preferred dates

      3. Click Search

Resend Email Notification

You can resend an email notification by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Notifications section, select Email Notifications

  3. Locate the email

  4. Click the Paper Plane icon

  5. Confirm by clicking Yes.


FAQ

I didn’t receive the payment notification on my server. What should I do?

If you didn’t receive the notification:

  1. Go to Settings > HTTP Notification.

  2. Find the notification using filters.

  3. Click Resend

If the issue persists:

  • Check your server logs.

  • Confirm your endpoint is active and returning HTTP 2xx responses.

    • Notification URL

    • Transaction date

    • Invoice number or Request ID

I can’t resend the notification through the DOKU Dashboard. What should I do?
  • Notification URL

  • Transaction date

  • Invoice number or Request ID

My transaction is status is failed to be updated. What should I do?

Troubleshoot using the following checklist:

  1. Ensure that the Notification URL is correctly set for each payment channel.

  2. Check your date filter range — make sure you are selecting dates where actual transactions exist.

  3. Resend transaction notification to update the status.

Why is my transaction missing from HTTP Notification Report?

There are several possible reasons. You can troubleshoot using the following checklist:

  1. Ensure the Notification URL is correctly set for each payment channel.

    • Go to each channel's configuration and locate the Notification URL field.

    • Input the correct URL into that field.

  2. Check your date filter range.

    • Make sure you're filtering dates where actual transactions exist.

    • Filtering empty or invalid date ranges may result in no data appearing.

Can I customize the HTTP Notification report template?

No. Currently, the HTTP Notification Report uses DOKU's default template and customization is not supported.

What status types can appear in the HTTP Notification report?
  • Success – Notification was successfully delivered (HTTP status 200).

  • Failed – Notification failed (merchant server responded with 4xx or 5xx).

DOKU retries notification delivery up to 6 times before marking it as permanently failed.

Company Dashboard

Features

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

  2. Ability to view transactions of all the registered brands

  3. Ability to assign and manage team members for each brand

  4. Add more new brands to your business account


Dashboard Navigation

You can navigate from a Brand Dashboard to a Company Dashboard or vice versa by following the steps below:

  1. Click the ellipsis icon next to your brand name

  2. Select the dashboard that you would like to acccess.

Company Dashboard has 'Company' text next to your business name, while Brand Dashboard only contains your brand name.


View Transactions

You can view transactions from all of your registered brands by following the steps below:

  1. Access your Company Dashboard

  2. Select Reports from the menu, then choose Transactions

  3. Transactions page will appear where you can view transactions for all of your registered brands. You can also filter to view transactions for certain brands only.


Manage Team Members

You can manage team members for all of your registered brands by following the steps below:

  1. Access your Company Dashboard

  2. Select Team Management from the menu

  3. Team Management page will appear, then click Invite Team Member button

  4. Enter your team member's email address , select the designated brand account and assign the appropriate role

  5. Complete Google reCAPTCHA, then click SAVE button.

You can only invite other team members as a Company Admin.


Add More Brands

You can add more brands for your business account by following the steps below:

  1. Access your Company Dashboard

  2. Select Brand List from the menu

  3. Brand List page will appear, then click Add New Brand button

  4. Brand registration form will appear where you are required to input the data of your new brand such as

    • Brand Name;

    • Brand Logo (optional);

    • Business Category;

    • Additional documents may need to be uploaded depending on the selected business category

    • Brand Description;

    • Projected TPT & TPV of the Brand;

    • Business Proof; and

    • Website or Social Media Links

  1. Agree to DOKU Terms and Conditions and Privacy Policy, then click "Add New Brand" to add a new brand.


FAQ

What roles are available in a Company Dashboard?

Unlike a Brand Dashboard, there are only two roles in a Company Dashboard. The following are those two roles and their capabilities:

  1. Company Admin

    • Have access to transaction report page

    • Can add new brands

    • Can manage team members for all of the registered brands

  2. Company Operation:

    • Have access to transaction report page

Why is my Company Dashboard missing from the menu?

Manage User Account

Update your personal account details and security settings

Overview

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


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.

  • Account Password - The password that is used to register for your User Account.

  • Role - The assigned user role within your Business Account (e.g., Admin, Finance, Operation, IT, or Customer Service).

  • Referral Code - A unique referral code that you can share with others to invite them to DOKU.


FAQ

What is the role of my User Account?

You can find the role of your user account by following the steps below:

  1. The role of your user account can be found at the bottom of the navigation bar, below your user name.

How to use referral code?

The referral code box can be found at the bottom of the registration page.

Can I sign up for multiple Business Accounts with the same company and user information?

Yes, although this is not recommended, as our risk screening team may not approve your account verification. If your company operates multiple lines of business and you wish to accept payments for each, you can register a single Business Account and enable the Multi-brand feature. You can learn more about Multi-brand on Manage Multiple Brands.

Can I deactivate or delete my User Account?

Yes, you are free to delete your User Account without needing assistance from us. However, please note that only the User Account can be deleted — not the Business Account. It’s also important to note that DOKU does not charge any fees for maintaining an active account. Fees are only applied to successful transactions.

How to delete my User Account?

If you wish to stop using DOKU services, you can delete your user account from DOKU Dashboard. Please note that deleting your account will remove all of your user data permanently and it cannot be recovered. You will also completely lose your access from the DOKU Dashboard.

You can delete your DOKU Dashboard account by following the steps below:

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

  2. User Profile page will appear, then scroll down to the Delete Account section

  3. Click Delete Account, then enter your PIN or an OTP to confirm account deletion.

Deleting your user account will not delete your business account.

Manage Customers

View customer data and manage transaction-related interactions

Add Customers

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

  1. Select Customers from the menu

  2. 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

    • Email: Customer's email address

    • Phone Number: Customer’s phone number, including country code

    • Country: Select the customer's country

    • Birthday: Customer's date of birth (format: DD-MM-YYYY)

    • Street Address: Full address (e.g., street name, number, and area)

    • State: Province or state

    • City: City where the customer is located

    • Postal Code: Area postal code

    • Company Name (optional): If the customer represents a business

    • Reference ID (optional): Internal ID used to track the customer

    • Label (optional): Tags to categorize customers (you can assign multiple labels)

  3. Click Save to create the customer profile.

Notes:

  • 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

  4. Upload the completed file

  5. Submit the file for processing.

Notes:

  • 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. Select Customers from the menu

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

  3. Update the necessary fields

  4. Click Save Customer to apply the changes.

Custom Settlement

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.

Key Features

  • Rule-based Splitting: Define rules to automatically distribute funds among various recipients.

  • Real-time Settlements: Enjoy the convenience of instantaneous fund transfers as transactions occur.

  • Customizable Thresholds: Set specific criteria for splitting funds, ensuring flexibility in financial management.

Use Cases

  • Marketplace Platforms: Easily distribute payments to multiple sellers in online marketplaces.

  • Aggregator Services: Streamline revenue sharing among service providers and partners.

  • Franchise Businesses: Facilitate automatic revenue distribution among franchisees.


Hold and Release

The 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.


Custom Settlement Report

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.

  • Export Options: Download reports in various formats, including CSV and PDF, 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.

Refund

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:

  1. Provide the following details:

    1. Brand ID

    2. Invoice Number

    3. Transaction Date

    4. Transaction Amount

    5. Customer's Bank Account Details

    6. Refund Amount (Full or Partial)

Ensure all information is accurate to avoid delays in refund processing.


Refund for Card Transactions

You can submit a request to refund Card transactions by following the steps below:

  1. Select Reports from the menu, then choose Transactions

  2. Transactions Report page will appear, then click the transaction's row to open its details

  3. Click Refund Payment

  4. Enter the amount to refund

    The refund can be full or partial, depending on your preference.

  5. Click Refund to process the refund.

Important:

  • Refunds are only available for settled transactions.

  • Transactions involved in disputes cannot be refunded through the Dashboard.

  • Partial refunds reduce the original transaction amount but keep the original transaction record intact.


Best Practices

  • Always verify the transaction status before initiating a refund.

  • Inform customers promptly once the refund has been processed.

  • Allow up to 7-14 business days for Card refunds to reflect on the customer's account, depending on the issuing bank.

  • Use secure communication channels when submitting bank account information for Non-Card refunds.

  • Keep internal records of refund requests for audit and reconciliation purposes.


FAQ

How long does a Card refund take to complete?

Refunds typically take between 7–14 business days to be reflected on the customer's credit or debit card, depending on their issuing bank.

Can I cancel a refund request?

No. Once a refund is processed, it cannot be canceled. Please verify all details before submitting a refund request.

Custom Report

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.

Manage Finances

Manage settlement bank accounts and fund disbursements

Add a New Bank Account

You can check and select your settlement bank account by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Account section, select Bank Account

  3. Bank Account page will appear, then click Add

  4. Complete the bank account information and click Submit for verification.

Your newly registered bank account for settlement will be reviewed. The verification process may take up to 1×24 hours.


Select a Bank Account for Settlement

You can check and select your settlement bank account by following the steps below:

  1. Select Settings from the menu

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

  3. Settlement Settings page will appear. Under the Settlement Destination section, verify the displayed bank account. If you wish to change it, click Edit and select Edit Settlement Configuration

  4. Select the preferred bank account for settlement and click Save.

The next settlement batch will be directed to the newly selected bank account.


Check Payment Method Fees

You can check the fee that is charged to you for each payment method that you activated by following the steps below:

  1. Select Settings from the menu

  2. Under Finance Settings tab, select Fee Scheme

  3. Fee Scheme page will appear, where you can view the applicable fees for each activated payment method.


Check Transaction Fees

You can check the fee that is charged to you for each payment method that you activated by following the steps below:

  1. Select Reports from the menu, then choose Reconciled Transactions

  2. Reconciled Transactions page will appear, and you will find the transaction fee under Total Fee (IDR) column.


FAQ

What is the settlement time?

Settlement periods vary based on the payment method used for the transaction. Visit Settlement Time for detailed schedules.

Can I add more than one settlement bank account?

Yes, you can register as many settlement bank accounts as needed. However, please ensure that the account holder’s name matches your registered business name. Bank accounts with mismatched names will be rejected during the verification process.

Can I set a different settlement bank account for a specific payment method?

Yes, you can do so by following the steps below:

  1. Select Settings from the menu

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

  3. Settlement Settings page will appear, then check under Payment Method section and click Edit for the payment method that you want to configure bank account settlement

  4. Select a bank account for settlement, then click Submit

The next settlement batch for that payment method will be directed to the newly selected bank account.

Can DOKU settle funds in other currencies besides IDR?

Please note that settlement in other currencies besides IDR will not follow the regular settlement schedule.

I did not receive my settlement funds. What should I do?

Your transactions might not be settled due to the following reasons:

  • Your business account has not been verified

  • The bank account that you registered is invalid

  • The settlement bank account has not been set

To check if your transaction is being held:

  1. Navigate to Reports > Reconciled Transactions

  2. Review the Settlement Schedule field

    • If the status is Hold, it means your transaction is pending settlement.

Why are my transaction funds settled to the wrong bank account?

Incorrect settlement may occur if the wrong bank account has been selected during configuration. You can resolve this by verifying that the correct bank account is selected under the Settlement Settings. Visit Select a Bank Account for Settlement for instructions.

Can I split the settlement to multiple bank accounts?

Yes, DOKU supports settlement splitting into multiple bank accounts. However, all accounts must be located within the same country group:

  • You can split settlement between two or more local bank accounts (within Indonesia)

  • You can split settlement between two or more overseas bank accounts (outside Indonesia)

  • Mixing local and overseas accounts for settlement splitting is not supported

Is there a minimum settlement amount?

A minimum settlement threshold of IDR 165,000,000 is required for merchants using non-Indonesian (foreign) bank accounts. Transfer fees apply and are deducted from the settlement amount.

This policy does not apply to merchants with a local (Indonesian) bank account, who are eligible for settlement without a minimum threshold.

Set Up Integration

Connect your system with DOKU using API keys and integration tools

API Keys

API Keys are secure credentials used to authenticate and authorize a merchant's system to access and interact with DOKU’s payment processing services. API Keys consist of the following components:

  1. Client ID: A unique identifier for the merchant (e.g., BRN-0239-1736742088036)

  2. Secret Key: A credential used for payment and general authentication. Options to reveal or copy the full key are available and will require users to input an OTP sent by DOKU to the user's email

  3. Public Keys: Cryptographic keys used to authenticate or encrypt transactions

    1. DOKU Public Key: A security key provided by DOKU, used to prove that messages (such as payment confirmations) are genuinely from DOKU

    2. Merchant Public Key: A security key generated by the merchant, which DOKU uses to verify that requests are legitimately from the merchant

  4. SNAP Settings: Configuration details required to connect your system with SNAP (Standard Open API Pembayaran Indonesia), Indonesia's standardized payment API system


View Secret Key

You can view the Secret Key of your Client ID by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Account section, select API Keys

  3. API Keys page will appear, then click Reveal Key

  4. A pop-up will appear, then enter the 6-digit verification code (OTP) sent to your email

  5. Upon successful verification, your Secret Key will be visible for 30 seconds. Click Copy Secret Key if needed.


Regenerate Secret Key

Regenerating your Secret Key is a best practice to enhance security, especially in cases of potential compromise or employee turnover. It is recommended to regularly rotate your Secret Key every few months to minimize risks. You can choose to regenerate your Secret Key either immediately or at a scheduled time.

Immediate Regeneration

You can regenerate your Secret Key and implement it immediately by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Account section, select API Keys

  3. API Keys page will appear, then click Regenerate Secret Key

  4. A pop-up will appear, then enter the 6-digit verification code (OTP) sent to your email

  5. Upon successful verification, your newly generated Secret Key will be displayed

  6. Review and agree to the Terms and Conditions for Secret Key regeneration, then click Save.

Immediate Regeneration of Secret Key will disrupt active transactions.

Scheduled Generation

You can regenerate your secret key and implement it later by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Account section, select API Keys

  3. API Keys page will appear, then click Regenerate Secret Key

  4. A pop-up will appear, then enter the 6-digit verification code (OTP) sent to your email

  5. Upon successful verification, your newly generated Secret Key will be displayed

  6. Under the Implementation Time field, select Specific Time

  7. Choose your desired date and time for the implementation

  8. Review and agree to the Terms and Conditions for Secret Key regeneration, then click Save.


View Public Keys

You can view your public keys by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Account section, select API Keys

  3. API Keys page will appear, then click Reveal Key next to the desired key (DOKU Public Key or Merchant Public Key).


FAQ

What is my Client ID and Secret Key?

You can find your Client ID and Secret Key by following the guide on View Secret Key.

What happens to the old Secret Key after regeneration?

Once a new Secret Key is generated, the previous key becomes invalid and can no longer be used for authentication. You must update your systems with the newly generated key immediately after regeneration.

Will regenerating the Secret Key disrupt active transactions?

Yes, if your systems continue using the old key after regeneration, it may cause transaction failures. To minimize disruption:

  • Test the new Secret Key in a staging environment before production deployment.

  • Plan key updates during low-traffic periods.

  • If available, implement dual-key handling during the transition.

How often can I regenerate the Secret Key?

There is no strict limit; however, avoid unnecessary key rotations to prevent potential integration disruptions.

Can I recover a previous Secret Key?

No. Once a Secret Key is regenerated, the previous key is permanently invalid. Always store backups securely if necessary.

Is there a delay before the new Secret Key becomes active?

Activation is typically immediate, although some systems may briefly cache the old key. If issues occur, retry after 1–2 minutes.

After regenerating a new Secret Key, do I need to update the Public Key as well?

No. Public keys are separate and are not affected by Secret Key regeneration.

How should I store the new Secret Key?

Never store the Secret Key in plaintext (e.g., emails, documents, or unencrypted files). Recommended practices include:

  • Using password managers (e.g., Bitwarden).

  • Using cloud-based secret management tools (e.g., AWS Secrets Manager).

  • Storing it as an environment variable on secure servers.

What should I do if I lose the new Secret Key?

Immediately regenerate a new Secret Key and update all affected integrations accordingly.

Can I track if someone changes the Secret Key?

Yes. You can track Secret Key changes by checking Activity Logs. For detailed steps, please follow the guide on Monitor Activity Logs.

Set Up a Promo

Create a Promo

You can create a promo by following the steps below:

  1. Select Promo from the menu

  2. Promo page will appear, then click Create

  3. General Information tab will appear, then fill the form that includes data such as

    • Promo Name - maximum of 15 characters

    • Promo Code - unique code that consists of uppercase letters and numbers

    • Promo Description - maximum of 300 characters

    • Start & End Date - follows format of dd/MM/yyyy HH:mm.

    • Terms & Condition - may contain text or links to a social media or website.

  4. Click Save & Next

  5. Promo Specification tab will appear, then fill the form that includes data such as

    • Discount Type - can be either be flat rate or percentage

    • Budget - can only contain numbers

    • Discount Amount - can only contain numbers

    • Max Discount Amount - can only contain numbers

    • Max Transaction Limit - can only contain numbers

    • Max Transaction / Account - can only contain numbers

    • Setting Promo by SKU (optional)

  6. Click Save & Next

  7. Payment Details tab will appear, then select the payment method(s) you want to include in the promo by following the steps below:

    1. Click Only Certain Payment Methods

    2. Choose the payment method(s) eligible for the promo

    3. Activate Customer Identifier if the promo is targeted to specific customers, where you can fill in the following fields:

      1. Max Transaction per Account

      2. Transaction Cycle (Daily or During Promo)

    4. Customer Identifiers vary by payment method:

      1. Cards:

        • Email

        • Phone Number

        • Customer ID

        • Card Number

      2. DOKU e-Wallet

        • Email

        • Phone Number

        • Customer ID

    5. Choose if the promo applies to All Banks or Specific Banks. If you select specific banks, you’ll need to upload a BIN list containing the eligible card numbers.

    6. Activate Custom Object Promo if the promo requires specific criteria. Define the criteria, operator, and value to set custom conditions.

  1. Click Save & Next

  2. Promo has been successfully created. To view the detail of your Promo, click the ellipsis button and select Promo Details

Please note that Budget and Terms of Conditions cannot be altered once they have been activated. You have the option to save the campaign as a draft and schedule the activation of the promo based on a date that you designated.


Promo Details

General Information


Promo Specification


Payment Details

Transaction Report

Export Report

There are 2 methods to export your reports: Single Export, and Scheduled Export.

Single export is a manual, one-time action that allows you to download transaction data, such as invoices or payments, for a specific date range or filter. This method is typically used for quick, ad-hoc reporting, for example, reconciling today’s payments or sharing transaction details with your accountant or internal team.

  • Quick ad-hoc reports (e.g., reconciling today’s payments).

  • Sharing transaction details with your accountant or team.

Scheduled export, on the other hand, is an automated, recurring export that can be set to run daily, weekly, or monthly without manual intervention. This method is useful for regular compliance or financial reporting, such as generating end-of-month statements, or for creating backups and integrations with accounting or ERP systems.

  • Regular compliance/financial reporting (e.g., end-of-month statements).

  • Backups or integrations with accounting tools.

For both single and scheduled exports, the available file formats are CSV (.csv) and XLSX (.xlsx). CSV is ideal for lightweight, simple data extraction, while XLSX offers a more structured format compatible with most spreadsheet applications.

Export Instant Report

You can retrieve a transaction report by following the steps outlined in the interactive demo below:

Set Up Scheduled Report

You can schedule a transaction report to be sent to you by following the steps outlined in the interactive demo below:

Set Up SFTP Settings

You can set up your SFTP settings by following the steps outlined in the interactive demo below:


Field Definitions

Activity

The follwing is the status mean in the transaction report


Status

The follwing is the status mean in the transaction report


Response Code and Response Message

Payment Method: Cards


FAQ

What if my transaction fails to process?

The transaction may fail to be processed because the customer did not complete the payment.

I still have not received my transaction report. What should I do?

Please first ensure that the email address that you entered is correct. We will not be able to send the transaction report if the email address thay you entered is invalid.

Transaction report may take longer time to be exported depending on the number of transactions that are being extracted. A transaction report with over 50,000 transactions may take up to an hour to be exported.

What is the difference between Settlement Report and Transaction Report?

A Transaction Report provides a complete record of all transactions, including those that are successful, pending, failed, or expired.

In contrast, a Settlement Report includes only successful transactions — meaning the transactions listed have been fully processed, and the corresponding funds have been received and settled into the merchant’s bank account.

For financial reporting and reconciliation purposes, merchants are strongly advised to refer primarily to the Settlement Report.

Can I edit a scheduled export after setting it up?

No. To make changes, you must first deactivate the existing scheduled report configuration and then create a new one.

At what time will I receive my scheduled reports?

Scheduled report emails are sent daily at 08:00 AM WIB/ICT (UTC +7).

Can a date range filter be applied to scheduled reports?

No, date range filters are not available for scheduled reports. If you need a custom date range, please use the single export feature instead.

Can I view transactions older than one year?

No, transaction data is retained for a period of one year only. Transactions beyond this timeframe are not accessible through our system.

Enable 2-Step Verification

2-Step Verification adds an extra layer of security to your account, ensuring that only authorized users can access and manage sensitive account information. By requiring two forms of authentication before entering DOKU Dashboard, this feature significantly reduces the risk of unauthorized access and fraudulent transactions, giving you peace of mind while conducting business online.


Activation

You can activate 2-Step Verification for your account by following the steps below:

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

  2. On User Profile page, click “Enable 2-Step Verification” under 2-Step Verification section

  3. A pop-up will appear, then enter a 6-digit verification code (OTP) that was sent to your email

  4. Upon a successful verification, a pop-up will appear, where you are required to create a 6-digit PIN for your account. PIN will be used to verify you before any critical changes are to be made

  5. Confirm your PIN to enable 2-Step Verification

  6. 2-Step Verification has been enabled

You can add other authentication methods such as SMS, where verification code will be sent to your phone number, and Authenticator App, where verification code will be verified based on the verification code that was generated from apps such as Google Authenticator, Microsoft Authenticator, and other authenticator apps.


Login

Once you have 2-Step Verification enabled, you will be required to enter your email and password as well as a verification code before successfully logging in to DOKU Dashboard. The following flow illustrates how you will be asked for a verification code upon login:

  1. A pop-up will appear, where you can select your choice of 2-Step Verification based on the authentication method that you have enabled

  2. After selecting an authentication method, enter a 6-digit verification code according to your selection of authentication method

  3. Upon a successful code verification, you will redirected to the home page of DOKU Dashboard


Security Check Events

Security check events refer to situations where DOKU prompt users to verify their identity by entering their PIN before proceeding with a particular action or accessing certain information. One example of a security check event is deactivating a service. The following flow illustrates how you will be asked for a PIN upon deactivating a service:

  1. Settings page will appear. Under Account section, select Service

  2. Service page will appear, then select a service to deactivate (for instance, Virtual Account) and click Deactivate

  3. A confirmation box will appear, click Deactivate once again to confirm service deactivation

  4. A pop-up box will appear, where you are required to enter your PIN before you can proceed to deactivate the service you selected

  5. An invalid PIN verification will prevent you from deactivating the service

  6. Upon a successful PIN verification, the service will be deactivated and removed from the service list


Member Activation Request

In order to thoroughly protect your business account, it is recommended that all team members have 2-Step Verification active. You can request other members to activate their 2-Step Verification by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Team & Security section, select Team Management

  3. On Team Management page, select a member to request 2-Step Verification by clicking the edit icon on the right side of the page

  4. A pop-up box will appear, then click Request 2-Step Verification located next to the Security column

  5. An email notification will be sent to the team member that you selected for the 2-Step Verification request

Upon the team member's next login attempt, the team member will be prompted to enable 2-Step Verification for their account before successfully logging in to DOKU Dashboard.

Only User accounts with 'Admin' role are enabled to request other members to activate their 2-Step Verification


FAQ

What authentication methods are supported for the 2-step verification?

At the moment, we support authentication methods via email, SMS, and authenticator apps such as Google Authenticator and Microsoft Authenticator.

Can I activate more than one authentication method?

You can activate up to 3 authentication methods, and you can select your prefered method of authentication during login.

What should I do if I lose access to my primary authentication method?
Can I disable 2-step verification once it's been enabled?

Yes, but you are only allowed to disable 2-step verification up to 2 times a day for security reasons.

Manage Payment Link

View Status

Update Business Data

Edit your company profile, documents, and contact information

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

  1. Select Settings from the menu

  2. Settings page will appear. Under Account section, select Business Info

  3. Business Info page will appear where you can update your company data, business representative data, brand data, as well as upload the company's latest legal documents.

Updating your business data would require us to re-verify your business account. Your new business data may be rejected if you fail to submit all the supporting documents for the change of your business data


FAQ

How do I know that my data is still being verified?

You will see a yellow banner below your selected data tab that says that your data is being verified. You can view the data changes as well by clicking "View Data Changes" button.

How do I know that my data has been rejected?

You will see a red banner below your selected data tab that says that your data was rejected. You can view the rejected notes and the specific data that needs to be revised.

Can I submit the same data that was previously rejected?

Yes, if you persist that your data is correct, you can resubmit the same data for our risk team to reverify.

Can I submit a new data while my data is being verified?

Yes, if you wish to revise your data, you can submit the new data for our risk team to verify. Please ensure the approval ID is different from the previous one in the yellow banner below your selected data tab.

My file/document is failed to be uploaded. What should I do?

Your file might fail to be uploaded due to the following reasons:

  1. The file format is invalid

  2. The file size is too big

  3. The file is corrupted

Please ensure that your documents follow the below rules.

  1. The file format is either PDF, PNG, JPG, or JPEG

  2. The file size less than 15 MB

  3. The file can be accessed and opened

Payment Link

Create a link instantly to collect payments from your customers

Introduction

Payment Link enables merchants to accept payments by simply creating and sharing a link to customers via email, messaging apps, social media, or any online platform — no website, app, or coding required. Payment Link can be generated through 3 platforms:

  1. Social messaging app via WhatsApp

Link Types

Single Payment Link is used to collect one-time or recurring (partial) payments from a specific customer. Once full payment has been made, the link can no longer be used to accept payments and becomes inaccessible. It is ideal for sending invoices for products or services sold to individual customers.

Single Payment Link cannot be reused after payment completion, but you can duplicate and edit the link for other customers.

Multiple Payment Link is used to collect several payments using the same link. It is ideal for businesses that sell identical products or services to multiple customers.

The link remains active and reusable until it reaches its specified expiration date or transaction usage limit. Merchants can configure a transaction limit per link or allow unlimited transactions based on their business needs.

Order Types

Amount & Description: Merchants create a Payment Link by entering the payment amount and a description of the product or service. Customers simply review the preset information and complete the payment without modifying any details.

Items & Amount: Merchants define multiple products or services with assigned quantities and prices. Customers can select one or more items and adjust the quantity during checkout, based on the available limits set by the merchant.

Accept Any Amount: Merchants create a Payment Link where customers are free to decide the amount they want to pay. Only a description is preset; no amount is fixed in advance.

Customer Info Types

Collect Customer: Merchants can specify required customer details such as name, email, telephone number, and address. Customers input this information before completing their payment. This method is ideal for merchants who need customer data for transaction tracking or record keeping.

Select Customer: Merchants can select from previously registered customers or add new customer information manually when creating a Payment Link. This option is suitable for invoicing or billing scenarios where the merchant manages a customer database and needs to associate transactions with specific customers.

Creation Methods

Single Creation: Create one Payment Link at a time through the DOKU Dashboard or Juragan DOKU mobile app. This method is suitable for fast payment requests where only one transaction needs to be processed.

Bulk Creation: Generate multiple Payment Links at once by uploading an XLSX file through the DOKU Dashboard. This streamlines mass link creation for merchants handling large customer bases.


Key Features


Use Cases

Businesses can embed Payment Links in invoices sent via email or messaging apps to simplify payment collection from clients.

Useful DOKU Features:

  • Single Payment Link (for specific invoice collection)

  • Amount & Description (customized for invoice details)

  • Partial Payments (allow installment or progressive payments)

  • Bulk Creation (allow mass invoicing)

  • Custom Fields (capture client reference numbers, project codes)

  • Attachments (attach detailed invoices or contracts)

Event organizers can issue Payment Links for participants to register for workshops, conferences, or webinars.

Useful DOKU Features:

  • Single or Multiple Payment Link (based on event type)

  • Amount & Description (simple event payment setup)

  • Items & Amount (sell different ticket types: VIP, Regular, Group Packages)

  • Collect Customer (collect attendee details)

  • Custom Field (collect seat preference, meal selection, T-shirt size, or special instructions)

  • Success Page Redirection (redirect customers to download e-tickets or event info page)

  • Custom Link (create branded event payment pages, e.g., pay.doku.com/SummerFestival)

Merchants selling items on a pre-order basis (e.g., gadgets, fashion collections, handmade products) can use Payment Links to collect reservation fees or deposits securely before the product launch.

Useful DOKU Features:

  • Single Payment Link (for specific invoice collection)

  • Amount & Description (customized for invoice details)

  • Items & Amount (list multiple pre-order items with quantity limits)

  • Partial Payments (allow installment or progressive payments)

  • Bulk Creation (allow mass invoicing)

Non-profits and community groups can share Payment Links widely to collect contributions.

Useful DOKU Features:

  • Multiple Payment Link (share link with unlimited donors)

  • Accept Any Amount (allow donors to choose the contribution amount)

  • Collect Customer (depending on donor privacy requirements)

  • Custom Fields (capture donor names, dedications, or messages)


FAQ

What is the fee to create a Payment Link?

Creating a Payment Link on DOKU is free of charge. Standard transaction fees apply based on the activated payment methods.

Can I accept international payments with Payment Link?

Yes. You must activate Cards payment method to accept international payments.

How to check if Payment Link has been paid?

For a Single Payment Link, the status will automatically change to Paid once full payment is received.

For a Multiple Payment Link, payment status can be tracked in the Transaction List section on the Payment Link Detail page.

Can my Payment Link be paid in the wrong amount?

No. The amount is predetermined by the merchant at the time of link creation. Customers cannot modify the payment amount.

Can I customize the checkout page of my Payment Link?

Change Password

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

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

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

  3. Enter your current password and your new password

You can't use the same previous passwords twice. The password must be at least 8 characters long with at least 1 uppercase, 1 lowercase, and 1 number.

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

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


FAQ

No-Integration Products

Accept payments fast and easy without any technical integration

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You can view, filter, and resend email notifications sent by related to your merchant account by following the steps below:

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with:

with:

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

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Please contact your account manager or sales representative for any issue that you may have. If you don't have an account manager, please fill and submit form. You may also or send an email to for assistance.

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If your receive a referral code from your sales representative or business partner, you can use the referral code during the .

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Please refer to our on how to implement Split Settlement feature for your business account.

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

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

or send an email to

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

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Select whether to add a Local (Indonesian) or Overseas bank account

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As an Indonesian Payment Service Provider company with a , DOKU supports settlement of funds in IDR, USD, SGD, and MYR.

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If you find your transaction to be on Hold despite your business account and bank account have been verified, please .

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If the demo does not work, please visit the following page

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If the demo does not work, please visit the following page

Activity
Description
Payment Methods
Status
Description
Final Status
Action Needed
Payment Methods
Response Code
Response Message

If the transaction is failed due to a technical issue, DOKU will provide an error message in your transaction report. If you require further information about your failed transactions, you may or send an email to .

If you still have not received your transaction report after the one-hour period, please contact your account manager or .

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Open page, and enter your email and password

Upon successful login to , select Settings from the menu

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Please or send an email to , and we will help to recover your account.

Status
Definition
Status
Definition
Status
Definition

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Why has my business account been suspended?

Your business account may be suspended due to a violation of the DOKU Terms of Services. If your business account is suspended, DOKU will notify you by email and provide a reason for the account suspension.

Please be sure to review prior to using our services.

Website via

Mobile app via

Single Payment Link
Multiple Payment Link
Amount & Description
Items & Amount
Accept Any Amount
Collect Customer
Select Customer
Single Creation
Bulk Creation
Feature
Description
Benefits
Use Case

Yes. You can customize the checkout page of your Payment Link by following the guide on .

Log in to , and then access the side navigation bar

I forgot my password. How do I reset my password?

If you forgot your DOKU Dashboard password, you may reset your password by following the steps below:

  1. Visit page

  2. Click Forgot Password?

  3. Input your email and click RESEND EMAIL

  4. Check your inbox, and access the link in the email to reset password

  5. Input your new password and submit the form

You can't use the same previous passwords twice. The password must be at least 8 characters long with at least 1 uppercase, 1 lowercase, and 1 number.

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

The same guide is applied for .

I did not receive any email to reset my password. What should I do?

Please first ensure that the email address is correct. We will not be able to reset your password if the email address is invalid or is unregistered.

If you still have not received an email within 5 minutes, please or send an email to .

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Field

Description

Promo Name

The official title of the promotion

Example: "Holiday Sale 2025"

Promo Code

A unique alphanumeric code that customers can enter to redeem the promotion. It must be unique and in capital letters

Description

A brief explanation of the promotion's purpose, benefits, and how it works. This is shown to customers wherever the promo is displayed

Start Date

The date and time when the promotion becomes active. Transactions before this time are not eligible for the promo

End Date

The date and time when the promotion expires. Transactions after this time will no longer qualify for the promo

Terms & Conditions

The detailed rules and restrictions that govern the promotion. This can be shown as plain text or as a link to an external page

Example: "View full terms at example.com/terms"

Field

Description

Promo Category

The classification of the promotion for reporting or segmentation purposes

Example: "Discount", "Cashback"

Budget

The total monetary allocation for the promotion. Once the budget is depleted, the promo becomes inactive

Discount Type (Flat / Percentage)

Defines how the discount is calculated. Options include: • Flat – Fixed amount off • Percentage – Percentage off the transaction value

Discount Amount

The value of the discount given, based on the selected Discount Type

Example: IDR 50,000 for Flat, IDR 10,000 for 10% Percentage discount

Max Discount Amount

The maximum discount a customer can receive per transaction

Min Transaction Amount

The minimum transaction value required to apply the promo

Example: Promo only applies to purchases over IDR 100,000

Max Transaction Limit

The total number of transactions across all users that can use this promo before it becomes inactive

Max Transactions per Day

The maximum number of promo redemptions allowed in a single day across all customers

Promo by SKU

Allows merchants to apply the promotion only to specific products identified by their SKU (Stock Keeping Unit). The promo will be validated only if the transaction includes one or more of the specified SKUs, matched via the line_items parameter in the DOKU Checkout API. Merchants can upload the SKU list using a provided template

Field

Description

Max Transactions per Account

The maximum number of times a single customer/account can redeem this promo

Transaction Cycle

The interval for evaluating limits per user (e.g., Daily, During Promo)

Customer Identifier

The unique field used to track customer usage of the promo

Example: Email, Phone Number, Customer ID

Payment Details

Allows the merchant to choose which payment methods are eligible for the promotion. Supported methods include Cards and e-Wallet.

For Cards payment method, merchants can apply the promo to all banks or restrict it to specific banks by uploading a list of BINs (Bank Identification Numbers)

Custom Object Promo

Enables merchants to define custom conditions for promo eligibility using a combination of fields, operators, and values. These conditions allow for advanced targeting (e.g., customer type, platform, etc.)

When making a payment request via the DOKU Checkout API, merchants must include the parameter: additional_info.customObjectsPromo

Generate Payment Code

Payment code is created by Merchant

Bank Transfer, Convenience Store

Inquiry

Payment code is inquired by Customer

Bank Transfer, Convenience Store

Payment

Payment code is paid by Customer

Bank Transfer, Convenience Store

Sale

Payment is made by Customer

Cards, Direct Debit, e-Wallet, QRIS

Full Refund

Transaction is refunded with full amount

Cards

Partial Refund

Transaction refunded with partial amount

Cards

Pending

Transaction is waiting to be paid by the customer

NO

Wait for HTTP Notification or Call Check Status API to get final status

Bank Transfer, Convenience Store

Success

Transaction is paid by the customer

YES

-

All Payment Methods

Failed

Transaction is failed to be paid

YES

Generate a new payment request to DOKU

Bank Transfer, Cards, Direct Debit, e-Wallet

Expired

Transaction due date is exceeded

YES

Generate new payment request to DOKU

Bank Transfer, Convenience Store

Timeout

Transaction reaches a timeout due to connection issues

NO

Call Check Status API to get final status

e-Wallet

Redirect

Transaction is waiting for acquirer's verification

NO

Wait for HTTP Notification or Call Check Status API to get final status

Cards

0000

Successful approval / completion

0001

Refer to card issuer

0002

Refer to card issuer, special condition

0003

Invalid merchant or service provider

0004

Pickup card

0005

Do not honor

0006

Error

0007

Pickup card, special condition (other than lost/stolen card)

0008

Honor with ID

0010

Partial approval (private label)

0011

VIP approval

0012

Invalid transaction

0013

Invalid amount (currency conversion field overflow)

0014

Invalid account number (no such number)

0015

No such issuer

0019

Re-enter transaction

0021

No action taken (unable to back out prior transaction)

0025

Unable to locate record in file, or account number is missing from inquiry

0028

File is temporarily unavailable

0030

Format error

0041

Pickup card (lost card)

0043

Pickup card (stolen card)

0051

Insufficient funds

0052

No checking account

0053

Non savings account

0054

Expired card

0055

Incorrect PIN

0057

Transaction not permitted to cardholder

0058

Transaction not allowed at terminal

0061

Activity amount limit exceeded

0062

Restricted card

0063

Security violation

0065

Activity count limit exceeded

0075

Allowable number of PIN-entry tries exceeded

0076

Unable to locate previous message (no match on retrieval reference number)

0077

Previous message located for a repeat or reversal, but repeat or reversal data are inconsistent with original message

0078

Invalid/non-existent account specified

0080

Invalid date

0081

PIN cryptographic error found (by VIC security module during PIN decryption)

0082

Incorrect CW/1CW

0083

Unable to verify PIN

0084

Invalid authorization life cycle

0085

No reason to decline a request for account number verification or address verification

0091

Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction)

0092

Destination cannot be found for routing

0093

Transaction cannot be completed violation of law

0094

Duplicate transmission detected

0096

System malfunction or certain field error conditions

0099

BIN blocking / IP blocking

00TO

Transaction timeout

00BB

BIN blocking

00IP

IP blocking

00CB

CC blocking

003D

3DS authentication problem

00DI

Duplicate invoice

00FN

Notification failed

00FV

Verification failed

00IF

Insuficient parameter

00BA

BIN blocked by acquirer

00SM

Failed store maxmind

00BL

Batch transaction is over limit

00DB

Duplicate batch

00IW

Invalid words

00FP

Failed to execute pre-payment plugin

00MD

MIP request denied

00FC

Failed card pattern validation

00TD

Transaction disabled

00SF

Failed SmartSpending transaction

00DW

Merchant does not have hash password

1184

Invalid token response

2104

DSP-Silverlake system error

5555

Undefined error

5501

Payment channel is not registered

5502

Merchant is disabled

5503

Maximum attempt 3 times

5504

Words do not match

5505

Invalid parameter

5506

Notification failed

5507

Invalid parameter detected / customer click cancel process

5508

Re-enter transaction

5509

Receives inquiry invoice after 30 minutes (expired)

5510

Cancelled by customer

5511

Payment code has not been paid by Customer

5512

Insufficient parameter

5514

Rejected by fraud system

5515

Duplicate PNR

5516

Transaction is not found

5517

Error in authorization

Unpaid

Payment Link is pending and awaiting for payment.

Paid

Payment Link has been paid in full amount.

Partially Paid

Payment Link was allowed for partial payments, and have not been paid in full.

Expired

Payment Link has reached the expiration time that was set.

Cancelled

The payment link's transaction has been void or full refunded by the merchant.

Active

Payment Link is accessible and ready to accept payments.

Deactivated

Payment Link has been deactivated and cannot be accessed.

Expired

Payment Link has reached its expiry date

Processing

Payment links are in the process of being created

Success

Payment links have been created

Failed

Payment links are failed to be created due to input errors

Description

Used for collecting one-time or recurring (partial) payments from a specific customer

Used for selling a product, a service, or accepting donations from multiple customers

Customer

Specific individuals or businesses

Multiple individuals or businesses (anyone with the link)

Reusability

Cannot be reused after full payment; can be duplicated and edited for a new customer

Reusable until expiration or usage limit is reached

Use Cases

Sending invoices of a product/service to a single customer

Selling products/services to multiple customers; fundraising or mass sales

Partial Payments or Payment Plans

✅ Supported

❌ Not Supported

Promo/Discounts

✅ Supported

✅ Supported

Create from Website

✅ Supported

✅ Supported

Create from Mobile App

✅ Supported

✅ Supported

Create from WhatsApp

✅ Supported

✅ Supported

Description

Simple payment by entering only the amount and description

Input multiple products/services with quantity and price breakdown shown at checkout

Yes, by deciding the amount to be paid.

Customers Choose What to Pay (PWYW)

Yes, with Partial Payments

Yes, by selecting quantity of products/services

Yes, by deciding the amount to be paid

Set Minimum and Maximum Amount

Yes, with Partial Payments

Yes, by setting minimum/maximum quantity for each product/service

No, freely entered by customers

Use Cases

Professional services (e.g., consulting fees, legal services, design work), subscription invoicing with fixed pricing, single project or service billing

Online stores offering multiple products, service packages with optional add-ons, order-based businesses such as catering or event services

Donation campaigns, crowdfunding, charity fundraising, tipping systems, membership contributions with flexible amounts

Single Payment Link

✅ Supported

✅ Supported

✅ Supported

Multiple Payment Link

✅ Supported

✅ Supported

✅ Supported

Create from Website

✅ Supported

✅ Supported

✅ Supported

Create from Mobile App

✅ Supported

✅ Supported

❌ Not Supported

Create from WhatsApp

✅ Supported

✅ Supported

❌ Not Supported

Description

Customers input their personal information (name, email, phone number, address) before completing payment

Merchants select existing registered customers or add new customer data during Payment Link creation

Use Cases

Fast creation of Payment Links while still collecting basic customer information for tracking and reports

Ideal for invoicing or billing existing customers, enabling better transaction history management

Partial Payments or Payment Plans

❌ Not Supported

✅ Supported

Single Payment Link

✅ Supported

✅ Supported

Multiple Payment Link

✅ Supported

❌ Not Supported

Create from Website

✅ Supported

✅ Supported

Create from Mobile App

✅ Supported

✅ Supported

Create from WhatsApp

✅ Supported

✅ Supported

Description

Create a Payment Link one at a time via the Dashboard or mobile app

Generate multiple Payment Links at once by uploading an XLSX file template

Use Cases

Suitable for fast, one-off payment requests

Suitable for mass invoicing

Amount & Description

✅ Supported

✅ Supported

Items & Amount

✅ Supported

✅ Supported

Accept Any Amount

✅ Supported

❌ Not Supported

Partial Payments or Payment Plans

✅ Supported

✅ Supported

Single Payment Link

✅ Supported

✅ Supported

Multiple Payment Link

✅ Supported

❌ Not Supported

Create from Website

✅ Supported

✅ Supported

Create from Mobile App

✅ Supported

❌ Not Supported

Create from WhatsApp

✅ Supported

❌ Not Supported

Email Notification

Automatically send email notifications when a Payment Link is created, nearly expired, expired, or successfully paid

Keeps both merchants and customers informed at critical stages, reducing missed payments and confusion

Merchants reminding customers before a link expires; confirming successful payments immediately via email; reducing the need for manual follow-ups

Expiry Extension

Allow customers to complete a payment after the Payment Link has reached its expiration date

Increases flexibility for customers and reduces missed payments due to link expiration. Helps merchants recover potential lost transactions without manually creating a new link

Customers who missed the payment deadline but still wish to complete their purchase without requiring merchants to manually create a new Payment Link

Custom Link

Personalize the Payment Link URL (e.g., pay.doku.com/YogaSerenity) to reinforce brand identity and make links more memorable and trustworthy

Increases brand recognition, builds customer trust, and makes URLs easier to share and remember

Sell event tickets with a branded link like pay.doku.com/SummerFestival; collect payments for online classes via a recognizable branded link

Custom Field

Add additional input fields during checkout to collect customer-specific information beyond standard payment details

Enables merchants to gather detailed data for operations, reporting, or fulfillment

Schools collecting Student ID numbers; restaurants collecting special meal requests; service providers asking for preferred appointment times

Custom Note

Add a footnote on the checkout page with extra instructions or important information

Helps manage customer expectations and reduces post-payment inquiries

Online stores providing refund policies; service businesses providing next steps after payment confirmation

Success Page Redirection

Redirect customers to a specified URL after successful payment completion

Enhances customer experience and supports marketing follow-ups or digital product delivery

Redirect customers to a download page for e-tickets, a WhatsApp conversation starter link, a "Thank You" page, or a loyalty program enrollment page after successful payment

Attachments

Allow customers to download files (invoices, catalogs, contracts) uploaded by the merchant on the checkout page

Centralizes communication and ensures customers receive essential information before payment

Merchants sending product catalogs with order forms; service providers attaching terms and conditions; schools sharing tuition fee breakdowns

Partial Payments

Allow customers to pay in installments using a single Payment Link; set minimum payment amounts if needed

Improves affordability for customers; increases transaction success for large payments

Schools collecting tuition fees monthly; merchants accepting down payments for made-to-order goods

Create Payment Link

Quickly accept payments in 3 easy steps

Manage Payment Link

Track payment status, send notification, and manage payment link report

Customize Checkout Page

Manage Orders

Guide for merchants to manage e-Katalog orders

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 e-Katalog dashboard. Here you can view all orders placed by customers.

  2. Order Status

    • Orders are tracked through various stages:

      • New Order: The customer has completed the payment, and order needs to be processed by the merchant.

      • Processing: Merchant has acknowledged the new order and is processing the order.

      • Out for Delivery: Merchant has requested for item to be picked up by the courier.

      • Delivered: The order has arrived at the customer’s location.

      • Completed: The order is successfully completed.

  3. Filter Orders

    • Use filters to search by item name, date, or order status.

  4. View Order Details

    • Click on any order to view its detailed information, including payment, item details, and tracking info.


FAQ

What happens if an order isn’t completed?

All paid orders will be completed in 2x24 hours if the order has been processed and delivered.

Place an Order

Guide for customers to place an order on e-Katalog

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

  • Postal Code

  • Address (only for items that requirement shipment)

  • Shipping Method (only for items that requirement shipment)

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

  • Order Delivered

  • Order Completed

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PayChat

An end-to-end service system for purchasing/paying for goods or services via WhatsApp (WA)

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.

Customize Checkout Page

Customize the interface of your DOKU Checkout page

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. Select Settings from the menu

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

  3. 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

  4. Click Save button to save your configuration


Customize Interface

  1. Select Settings from the menu

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

  3. Checkout Page Configuration page will appear, then click Interface Settings tab where you will find several options for customizing the look and feel of your checkout page, including the ability to add your logo and change the background color that fits your brand

  4. Click Save button to save your configuration

e-Katalog

Showcase your products with an online catalog

Introduction

e-Katalog enables merchants to create a digital storefront without requiring integration, technical development, or the need to maintain separate website infrastructure. With e-Katalog, merchants can easily showcase their products, manage inventory, and accept payments through DOKU’s secure payment gateway.

It is an ideal solution for entrepreneurs and small businesses seeking to quickly establish a professional online presence and start selling.


Key Features

Feature

Description

Showcase

Organize items into curated collections for events, themes, or categories.

Featured Items

Pin up to 5 priority items to the top of your catalog regardless of sorting.

Multi-Variant Support

Allows up to 2 item variants (e.g., color, size) per product.

Scheduled Publication

Choose to publish items immediately, at a later time, or within a custom date range.

QR Code

Generate QR codes or share catalog/items via WhatsApp, Facebook, Telegram, X, and links.

Shipment

Partnered with 3PL logistics. DOKU handles delivery requests automatically—no need for manual coordination. 3PL include JNE, J&T, SiCepat, Go-Send, Grab Express, Indah Cargo, dan Deliveree.

Order Tracking and Notification

Customers can easily track the status of their orders in real-time, and will receive email notifications for every update, including order processing, shipment, and delivery.


Use Cases

🍛 Food & Beverages

  • Digital menu that displays all food and beverages.

  • Use variants for portion sizes, spice levels, or topping options.

🏨 Travel & Hospitality

  • Use as a room service menu or upsell page.

  • Showcase services like spa bookings, tours, or in-room items with schedule-based availability.

🛍️ Retail

  • List physical goods with images and variants.

  • Great for clothing, accessories, or gadgets.

📚 Education

  • Sell books, uniforms, or digital learning materials.

  • Create showcases by class, grade, or semester.

🎮 Digital & Gaming

  • Distribute digital products like game codes, event tickets, or downloads.

  • Use custom links for digital delivery, and variants for different editions or regions.

🎫 Event Bookings

  • Distribute digital products like game codes, event tickets, or downloads.

  • Use custom links for digital delivery, and variants for different editions or regions.

🧑‍💻 Freelancers

  • Use e-Katalog as a service menu.

  • List pricing packages (e.g., logo design, consultation) with variant support for revisions or delivery time.


FAQ

Can I sell services instead of products on e-Katalog?

Yes. Use item descriptions and optional fields creatively. Great for freelancers or professional services.

Is there a way to schedule flash sales or time-limited products on e-Katalog?

Yes. Use the Custom Publication Period to publish items for specific dates only.

Can I use e-Katalog for digital downloads?

Yes. Upload a digital item link per variant. Ideal for game keys, event tickets, etc.

Can I integrate e-Katalog with my existing website?

Not directly, but you can share catalog links or embed QR codes anywhere on your site.

Manage Items

Add Items

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

  1. Navigate to Add Items

    • Navigate to Items or Accept Payments > e-Katalog

    • Click Add Item

  2. Item Information

    • Title:

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

    • Category:

      • Select the item category (physical or digital item)

      • Services are considered digital items

    • Showcase:

      • Group items by your own custom themes or sections

    • Item Images:

      • Upload 1-3 images

      • Minimum resolution of 300x300 px and max size of 15 MB

    • Description:

      • Write a description with rich text messages

      • Max 3000 characters

    • Featured Item:

      • Pin up to 5 items on your e-Katalog

      • Always appear at the top regardless of sorting

    • Shipping Info:

      • Enable shipment for your item

      • Only applies to physical items

  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

    • Minimum & Maximum Purchase Quantity:

      • Define limits for purchase

    • Publication Period:

      • Set a custom publication time

        • Publish now

        • Schedule for a future date

        • Set a custom active period (with start and end dates)

  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 e-Katalog

      • Publish will make the item appear on your e-Katalog


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

    • On Items page, click the Ellipsis icon and select Edit

  • Save Changes

    • After making edits, save the changes. The item will be verified before being republished.

Any edits (except stock) require re-verification before republishing.


FAQ

Can I hide out-of-stock items?

You can hide them by unpublishing the item on Items page.

Can I edit an item after it has been published?

Yes, but changes (except stock updates) will trigger re-verification before republishing.

Is there a way to schedule flash sales or time-limited products?

Orders are only listed after successful payment. Unpaid sessions will not appear in your dashboard.

Create Payment Link

Single Creation

Bulk Creation

To create multiple Payment Links at once:

  1. Go to DOKU Dashboard > Accept Payments > Payment Link > Bulk Payment Link.

  2. Click Import XLSX.

  3. Download the template file based on your order details preference:

    • Amount & Description only.

    • Including Product Information.

  4. Fill in the downloaded XLSX template with customer and payment details:

    • Expiry Date: Set when the link becomes inactive (optional).

    • Checkout Duration: Time limit for the customer to complete payment (optional if using no expiration).

    • Customer Information (mandatory if partial payments are used).

    • Custom Link: Ensure each link is unique.

  5. Upload the completed XLSX file via the import tool.

  6. Await processing (it may take around 5 minutes). Status will change to either SUCCESS or FAILED.

Error Type
How to fix

Date Format Error

Make sure the date format is DD/MM/YYYY HH:MM:SS (e.g. 30/06/2023 23:59:59)

Duplicate Custom Link

Make sure each Custom Link is unique across other Payment Links that you are creating

Custom Link Already Used

Choose a new Custom Link if one has already been registered

Partial Payments Missing Customer Info

If partial_min_amount column is used, stomer_name and customer_email columns become mandatory


FAQ

What is the limit of my Custom Link?

Merchants are allowed to have a limit of 10 Custom Links per month.

How to check the Custom Fields that are entered by my customer?

All custom fields completed by customers during payment are recorded and can be viewed in the Transaction Report. Simply navigate to Reports > Transactions in the DOKU Dashboard, and you will find the submitted customer information associated with each transaction.

Manage Catalog

Set Up Catalog Settings

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

  1. Open e-Katalog Dashboard

    • 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 e-Katalog

      • Logo is based on your brand logo

    • Catalog Name: Set or edit your catalog's name shown on your e-Katalog

      • Catalog name is based on your brand name

    • e-Katalog Link: Customize your catalog URL, limited to 48 characters

    • Show Sold Items: Toggle visibility of how many items have been sold

    • Item Sorting: Set default sorting by "Best Seller" or "Recent Upload"

    • Language Preference: Choose the default language for your customers (Indonesian or English)

    • Success URL – Redirect customers to your custom page after successful payment

  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 e-Katalog

View and Share Catalog

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

  1. Open e-Katalog Dashboard

    • Click View My Catalog

  • Share via:

    • QR Code (downloadable/printable)

    • Direct link

    • WhatsApp, Facebook, Telegram, X


FAQ

Can I have multiple catalogs in a single account?

You can only have one catalog per brand. To manage multiple catalogs, you must activate the Multi-Brand feature, which allows you to create and manage separate catalogs under different brands within the same Business Account. Tip: Visit Manage Multiple Brands page to learn how to activate the Multi-Brand feature.

Virtual Terminal

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

My WhatsApp Business

Use your WhatsApp Business account to enable seamless transactions through the PayChat service, specifically intended for corporate-type merchants

Benefits of My WhatsApp Business

1. Stronger Branding & Trust

Customers interact directly with the merchant’s official business name and logo, rather than a third-party account. This boosts credibility and builds trust during the purchase process.

2. Customer Loyalty & Relationship Building

Using their own WhatsApp number allows merchants to build long-term relationships with customers, enabling easier follow-ups, repeat orders, and direct feedback.

3. More Effective Retargeting

Merchants can re-engage past customers by using WhatsApp broadcasts for promotions, flash deals, payment reminders, or product launches.

4. Seamless Integration with Internal Systems

Messages received via the merchant’s WhatsApp number can be easily integrated into CRM systems, sales dashboards, or order tracking tools for better customer and operations management.

Terms & Conditions

  • Merchant must have Corporate business account type

General Requirements

  • A custom domain email based on the corporate domain (e.g., baas@doku.com).

  • Specific requirements based on merchant type:

    • Government Merchant

      • WhatsApp verification: Submission letter to Meta.

      • WhatsApp Blue Tick: Submission letter to Meta.

    • Corporate Merchant

Activate WhatsApp Business Account for PayChat

Step 1: Create PayChat Account in DOKU Dashboard

2. Create WhatsApp Business Account

QRIS

Set up QRIS for multi-channel QR payments

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.


QRIS Types

The key difference between static QRIS and dynamic QRIS lies in the flexibility and the type of information encoded.

  • Static QRIS codes are fixed and do not change. They typically represent the merchant’s general payment information and are used for multiple transactions.

  • Dynamic QRIS codes are generated uniquely for each transaction. They can include transaction-specific details such as the amount, invoice number, or customer reference, providing greater flexibility for different payment scenarios.

Dynamic QRIS

  • Variable Information: A dynamic QRIS code can contain variable information that changes for each transaction.

  • Transaction-Specific: It can include details such as the transaction amount, order details, and a unique transaction identifier.

  • Use Case: Dynamic QRIS codes are commonly used in scenarios like online shopping carts, invoice payments, or where the transaction amount or details need to be specified dynamically.

Static QRIS

  • Fixed QR Code: A static QRIS code contains fixed information that does not change.

  • Amount Flexibility: Once generated, the QR code can be used for various types of transactions. The transaction amount may vary, and customers are required to input the amount themselves.

  • Use Case: Static QRIS codes is ideal for merchants who wish to accept cashless payments without generating a new QR code for each transaction, especially when transaction amounts vary.

Activating QRIS with DOKU will enable both Dynamic and Static QRIS.


Activation

You can activate QRIS in the DOKU Dashboard by following the steps below:

  1. Select Settings from the menu

  2. Settings page will appear. Under Account section, select Service

  3. Click ACTIVATE button.


FAQ

Can I activate QRIS if my business entity is not based in Indonesia?

QRIS can only be activated if your business operates in Indonesia, therefore your account type must be 'Corporate'.

How to activate both dynamic and static QRIS?

By activating QRIS through the DOKU Dashboard, you will gain access to both dynamic and static QRIS. You can view and print your static QRIS image by clicking the See Details button on the Service page.

How do I check my static QRIS image?

You can view and print your static QRIS image by clicking the See Details button on the Service page. Please ensure that QRIS has been activated beforehand.

Integration Tools

Various ways to integrate with DOKU to accept payments

Accept Order

Collect orders in WhatsApp through a customizable bot, with no websites or app switching needed

Benefits of Accept Order

  1. Lower Operational Costs Save on merchant platform fees typically charged by e-commerce platforms.

  2. Flexible Fee Management Service fees are transferred to customers.

  3. Real-Time Sales Reconciliation Simple and real-time dashboard for sales reconciliation per event.

  4. Fraud Risk Reduction Reduce fraud committed by customers.

  5. Instant Payment Monitoring Facilitate real-time monitoring of payment confirmations.

  6. Boosted Sales Opportunities Increase sales potential with multi-channel payment options for customers.

  7. Stronger Customer Trust Enhance customer trust during transactions.

How it Works

A simple 3 step explanation of how users interact with the product, from entry point to completion. This helps illustrate the experience and clarify key touchpoints in the product journey.

Activate Accept Order for PayChat

Step 1: Accept Order Using DOKU PayChat's WhatsApp Business

Step 2: Accept Order Using Your WhatsApp Business

Custom Purchase Event

Create a Custom Purchase Event

Step 1: Click Create Event

To create a Custom Purchase Event, go to the Accept Order menu and click the Create Event button.

Step 2: Choose Custom Purchase Event

Select Custom Purchase Event and click the Submit button.

Step 3: Enter Event Information

Enter the information you want to create.

Custom Purchase Form Details

  • Event Name & Description Add a title for your event and an optional product image and description to inform your customers.

  • Price Set By Decide who sets the price:

    • Customer

      • Open Amount: The customer enters their own payment amount.

      • Add Price Options: You can predefine up to 10 price options, each with a title and description (e.g., product types).

  • Merchant

    • Static Price 0: You’ll define a fluctuating price during confirmation.

    • Static Price (e.g., Rp100.000): A fixed price for all customers.

  • Language Choose the language for the form (Bahasa Indonesia / English).

  • Allow Customer to Input Multiple Data If checked, customers can place multiple orders in one go (up to 10 sets of data).

  • Auto Confirmation Process Automatically confirm orders once submitted, without manual merchant review.

  • Auto Process Order Once the customer completes payment, the system will automatically process the order.

  • Customize Form Create up to 10 custom input fields (e.g., name, address, notes). A live preview is available during setup.

Event Information Link

The event information link access can be copied and distributed through the merchant's desired distribution channels.

Customer Payment Facing

The image below is an example of an order made by a customer.

Recap Transaction List

For monitoring, merchants can access the transaction list by pressing the action button → transaction list. The transaction list dashboard can be used by merchants to monitor transactions. Merchants can copy the QR Code and distribute it through various desired media. When an order is made by a customer, it will be recorded in the transaction list dashboard.


Use Cases


FAQ

How does Accept Order in PayChat Payment System work at DOKU?

For Flash deal events or Custom Purchase Orders, the system distributes to customers and customers make payments through Payment Channels provided by DOKU.

Can you create multiple Accept Orders?

Yes, merchants can create multiple accept orders as needed.

Can you have Custom Purchase and Flash Deal Events simultaneously?

Yes, merchants can have accept orders and flash events simultaneously.

Can an accept that has ended be reactivated?

No, accept order that have ended cannot be reactivated. Merchants can create a new accept order.

What is the maximum number of questions in Custom Purchase?

The maximum number of questions in custom purchase is 5 questions. Merchants can customize the question content according to their business needs.

DOKU Checkout

With DOKU Checkout, there's no need to build your own payment page

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.

Log in to , and then access the side navigation bar

Log in to , and then access the side navigation bar

Log in to your .

You can also generate a Payment Link via DOKU Dashboard by following the steps below:

  1. Log in to your .

  2. Navigate to Accept Payments > Payment Link.

  3. Click Create Payment Link.

  4. In the Create Payment Link window, complete the following sections:

    Order Details:

    • Amount: Enter the amount to be collected.

    • Description: Enter a description that will be shown to your customer during payment.

    Note: You can customize the order type to either Product Items (to list specific items) or Accept Any Amount (to allow customers to input any payment amount).

    Customer Details:

    • Collect Customer Info: Choose what customer details to collect (Name, Email, Phone Number, Address).

    • Select Customer: Select an existing customer or add new customer data for invoicing purposes.

  5. Review the Order Summary section.

  6. Click Create Payment Link.

Once created, copy the Payment Link and share it with your customers via WhatsApp, Email, or other preferred channels.

You can also generate a Payment Link using the Juragan DOKU mobile app by following the steps below:

  1. Open the Juragan DOKU Mobile App.

  2. Click Create Bill.

  3. Enter the Amount and Description. (You can also add Saved Products as items if needed.)

  4. Share the Payment Link through several options:

    • Generate a QRIS image.

    • Generate a QR Payment Link.

    • Share via WhatsApp directly.

Log in to and navigate to Accept Payments > e-Katalog

Log in to and navigate to Accept Payments > e-Katalog

What are the requirements to use Virtual Terminal?

You are required to have a non-3DS MID that is created by the acquiring bank. Please contact your account manager or sales representative for this request. If you don't have an account manager, please fill and submit form.

Why am I unable to access Virtual Terminal page?

You are required to activate card MOTO services and set up the non-3DS MID that is created by the acquiring bank. Please contact your account manager or sales representative for this request. If you don't have an account manager, please fill and submit form.

This feature can only be accessed and used by Corporate merchants. Corporate merchants who wish to use this feature may contact our Sales team by filling the following .

The display name must align with

The corporate entity must be credible and align with the .

Log in to , and then access the side navigation bar

On Service page, click ADD SERVICE button

Select QRIS under QR Payment section

Before activating Accept Order, please make sure you have completed the registration of

Customer Journey
Use Case Details
Customer Journey
Use Case Details
Features
Description

You can try DOKU Checkout by using our demo , or immediately integrate with our API by following the guide .

DOKU Dashboard
DOKU Dashboard

Manage Catalog

Manage Items

Place an Order

Manage Orders

DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard

Logo and Brand Name

To ensure that your customers know that they are making payment in the right page, you can adjust your brand name and also insert your brand logo.

Payment Method Settings

After activating the selected payment methods of your choice, you may freely sort the arrangement of the payment methods that is shown on the checkout page; we suggest to sort in the order of the most used payment method by your customer. You may also choose to show or hide certain payment methods that you don't want to appear on your checkout page.

Color Settings

Set the appearance of your checkout by changing your color palette and time format.

Language Settings

Whether your customers are local-or-international-based, you can freely adjust the default language of the checkout page.

Expiration Date

The default expiration date of checkout page is 60 minutes, but you can freely set the expiration date based on your requirements.

Google Analytics

If you wish to track the usage of the checkout page through Google Analytics, you may simply input Google Analytics Tracking ID in the settings.

Promo Code

Enable your customers to apply promo code to their purchases with DOKU Checkout.

My WhatsApp Business
this
this
form
Meta Display Name Guidelines
Meta WhatsApp Business Messaging Policy
DOKU Dashboard
here
here

Step 1

Step 2

Step 3

Setup Account, Greetings and Chat Flow

Customize welcome messages and order questions through the DOKU dashboard.

Publish the QR Code

Place your QR code online, on packaging, or at your store.

Customer Pays Instantly Customers are guided via WhatsApp to complete the order and payment without leaving the app.

Description LPD’s customer as a rural Local Bank needs access to digital products and services. Mobile Banking is available, however the customer is not tech savvy segment.

  • Bot for Customer Data Collection

  • Price Reference for Product Order

  • Secret key for Validation

Description The cooperative is running a retail LOB through the Klik Bazar platform. Previously, it used manual records for sales transactions. The cooperative faces difficulties in reconciling sales data with payments.

Solution Use PayChat For order some goods and Payment. How Access DOKU PayChat Accept Order and set question required for customer information required to buy some goods. Features Used:

  • Bot for Customer Data Collection

  • Price Reference for Product Order

Direct API

Use your own custom payment page to collect payments

Do you want to customize 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:

Benefits
Description

Brand Consistency

Merchants can maintain a consistent brand experience throughout the entire customer journey, including the checkout process. Customization allows for the incorporation of brand colors, logos, and styles, reinforcing brand identity.

Seamless User Experience

Integration directly into the website ensures a seamless user experience. Customers stay on the merchant's site from product selection to payment confirmation, reducing friction and potential drop-offs in the conversion funnel.

Flexibility and Customization

Developers have the flexibility to design and implement payment flows that align with the specific requirements of the business. Customization extends to the layout, user interface elements, and user interactions during the payment process.

Control Over User Interface

Merchants and developers have complete control over the look and feel of the payment interface. This control is valuable for creating user-friendly and intuitive payment forms, optimizing the checkout process for increased conversions.

Security Compliance

DOKU handles the complexities of security compliance, especially compliance with the Payment Card Industry Data Security Standard (PCI DSS). By using DOKUs APIs, merchants can ensure that sensitive payment information is handled securely without having to manage intricate security requirements themselves.

Scalability

DOKU's infrastructure is designed for scalability. Merchants can handle growing transaction volumes without worrying about the technical challenges associated with scaling payment processing capabilities.

e-Commerce and Plugins

Integrate your platform into DOKU using ready-made plugins

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

  • Plugins

Manage Checkout Orders

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. Select Reports from the menu, then choose Checkout Orders

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

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

On the Order Details tab, you can see general information such as transaction amount, transaction status, and customer Information. On the Transaction History tab, you can view the status history of the transaction, which includes every step the customer goes through after selecting a payment method such as payment attempts, success, failure, or expiry.


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:

Precondition

Before enabling this feature, you must first activate the Expired Order status under Checkout Email Notifications. The Expired Order email acts as the entry point for customers to reopen their abandoned orders. For setup instructions, visit Set Up Notifications.

  1. Select Settings from the menu

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

  3. Checkout Page Configuration page will appear, then click Expired Settings tab

  4. Switch on the toggle for Activate Recover Abandoned Cart

  5. Set the Recovery Period:

    • For example, if you set the recovery period to 7 days, customers will be able to recover and complete their abandoned orders within 7 days after the original order has expired

  6. Click Save to apply your settings.


Status

Status
Description

Pending

The order was created, but the customer has not completed payment within the allowed time.

Success

The customer successfully completed the transaction and reached the success result page.

Expired

The order was not paid before the payment due date and has expired.


FAQ

Why is my order missing in the Checkout Report?

There may be two possible reasons for a missing order:

  • The payment request you made was not successful.

  • The date filter applied does not match the order's creation date.

What is the “Recovered” column in the Checkout Order Report?

The Recovered column refers to DOKU’s abandoned cart recovery feature. This feature allows merchants to extend the expiry date of an unpaid order. If a customer completes the payment after the original expiry time, DOKU updates the order status to indicate that it was recovered. This helps merchants easily identify which orders were completed through the recovery process.

Configure Notifications

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. Select Settings from the menu

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

  3. 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

      2. Successful Order – The order has been successfully paid

      3. Failed Order – The order failed to process

      4. Expired Order – The order was not paid before the expiration time

      5. Almost Expired – The order is approaching its expiration time

        • The near-expiry-time can be set in days, hours, minutes, and seconds

        • The notification schedule must be set before the payment due date

    2. Channel: Tick Email to enable email notifications

    3. Merchant Notification: Choose whether you would also like to receive the notifications as your customers. You can configure up to 5 additional email recipients

  4. Click Save to save your configuration.


Customize Email Appearance

You may do so by following these simple steps:

  1. Select Settings from the menu

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

  3. Checkout Page Notifications page will appear, then select Email Appearance tab where you can can customize the following components:

    1. Logo

    2. Header and Button Colors

    3. Header, Button, and Footer text

  4. Click Save to apply your customizations.


FAQ

If I activate the Recovered Abandoned Cart, will my customers receive an email notification?

Yes. DOKU will automatically send an email notification for expired orders. The email includes the extended expiry date information and prompts customers to complete their payment.

How to start integration for Checkout Email Notifications?

In order to enable email notifications for DOKU Checkout, you must include the customer.email field in your payment request object. If customer.email is not provided, the customer will not receive any email notifications.

WooCommerce (WordPress)


Requirements

Before you integrate your WordPress website with DOKU, make sure that you have fulfilled the following requirements:

  1. WordPress 5.6 or higher. This plugin is tested with Wordpress 6.7.2

  2. WooCommerce 4.9.0 or higher. This plugin is tested with WooCommerce v8.0.0

  3. PHP v5.6 or higher

  4. MySQL v5.6 or higher


Integration Guide

Step 1: Install DOKU Plugin on WooCommerce

  1. Log in to your Wordpress Dashboard

  2. Navigate to Plugins > Add New Plugin

  3. Search for DOKU Payment, then click Install Now

Step 2: Configure DOKU Payment in WooCommerce

  1. Go to WooCommerce > Settings > Payments tab

  2. Make sure DOKU-Checkout and DOKU General-Configuration are enabled, then click Manage on DOKU General-Configuration.

  3. Configure the following required fields:

    • Enable DOKU: Checkbox must be ticked

    • Environment

      • For testing transactions, select Sandbox

      • For processing real transactions, select Production

    • Expiry Time: Checkout page expiry time in minutes

Visit API Keys for instructions on how to retrieve integration credentials (Client ID and Secret Key)

Step 3: Set Up Payment Notification on DOKU Dashboard

If you skip this step, your payment status on Woocommerce Dashboard will not be synced with DOKU Dashboard

  1. Copy the Notification URL from the WooCommerce settings (DOKU-General Configuration)

  2. Log in to your DOKU Dashboard

  3. Navigate to Settings > Payments Settings, then go to each payment method settings page

  1. Set up the payment notification URL for each payment method that you have activated. Visit Set Up Payment Notification for instructions

Once payment notification has been configured, you can start accepting payments with DOKU.


Checkout Page Configuration

By configuring your checkout page, you will be able to:

  1. Show or hide, and sort payment methods for your customers Choose which payment methods (e.g., cards, e-wallets, and virtual accounts) tp appear on your checkout page. You can also reorder them based on your preference or customer behavior to optimize conversions.

  2. Customize the interface Adjust the look and feel of your checkout page to align with your brand. This includes modifying button colors, fonts, logos, and layout to ensure a seamless and branded customer experience.

  3. Set a default expiry time Define how long a payment session remains valid before it expires. This is useful for limiting pending transactions and encouraging quicker payments, especially for methods like virtual accounts or retail outlets.

Visit Customize Checkout Page for more detailed information.


Error Log

​Error log, also known as doku_log, helps simplify the process of identifying issues related to the payment process when using the DOKU Plugin. If any issues arise while using the plugin, you can contact our support team and provide the doku_log file to assist with troubleshooting. The doku_log file records all transaction activity by date, regardless of the payment method used.

How to Enable and Access the doku_log:

  1. Open the WooCommerce_dir directory on your store’s web server.

  2. Create a new folder named doku_log in your store’s directory. This enables the plugin to automatically log activity to your web server.

  3. Navigate to the doku_log folder and open the log file corresponding to the date of the issue.

  4. You can view or download the log file as needed.

If an issue occurs, please send the relevant doku_log file to our support team. This helps us investigate and resolve the issue more efficiently.


FAQ

How to retrieve my integration credentials (Client ID and Secret Key) ?

Please refer to the guide on API Keys to obtain your integration credentials.

Why is my payment status not updated on WooCommerce?

Payment notification URL must be set up on DOKU Dashboard for the transaction status to be updated on WooCommerce Dashboard. Please be sure to not skip step number 3 in the Integration Guide section.

SDKs and Libraries

Libraries and tools to simplify integration with DOKU

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:

Library
Version
GitHub Repository

Node.js

v18.0.0 or higher

Java

Java 11 or higher

PHP

PHP 8 or higher

Python

Python 38 or higher

Golang

Go 1.22.2 or higher


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

Payment Methods

All payment methods supported by DOKU both online and offline

Payment Types

Bank Transfer (Virtual Account)

Payment Method
Personal
Corporate
International

Virtual Account BCA

🚫 Not Allowed
✅ Allowed
🚫 Not Allowed

Virtual Account Mandiri

✅ Allowed
✅ Allowed
🚫 Not Allowed

Virtual Account BRI

✅ Allowed
✅ Allowed
✅ Allowed

Virtual Account BNI

✅ Allowed
✅ Allowed
✅ Allowed

Virtual Account BSI

✅ Allowed
✅ Allowed
✅ Allowed

Virtual Account BNC

✅ Allowed
✅ Allowed
✅ Allowed

Virtual Account BTN

✅ Allowed
✅ Allowed
✅ Allowed

Virtual Account BSS

✅ Allowed
✅ Allowed
✅ Allowed

Virtual Account CIMB

✅ Allowed
✅ Allowed
✅ Allowed

Virtual Account Permata

✅ Allowed
✅ Allowed
✅ Allowed

Virtual Account Danamon

✅ Allowed
✅ Allowed
✅ Allowed

Virtual Account Maybank

✅ Allowed
✅ Allowed
✅ Allowed

Virtual Account DOKU

✅ Allowed
✅ Allowed
✅ Allowed

Virtual Account DOKU is used to facilitate interbank transfers, which means that this virtual account can be paid using other banks that are not listed above.

Cards

Payment Method
Personal
Corporate
International

Cards

✅ Allowed
✅ Allowed
✅ Allowed

CC Installment

🚫 Not Allowed
✅ Allowed
✅ Allowed

Card payments with DOKU include Visa, Mastercard, and JCB. American express is supported only with certain bank acquirers.

e-Wallet

Payment Method
Personal
Corporate
International

DOKU e-Wallet

✅ Allowed
✅ Allowed
✅ Allowed

OVO

✅ Allowed
✅ Allowed
✅ Allowed

ShopeePay

✅ Allowed
✅ Allowed
✅ Allowed

DANA

✅ Allowed
✅ Allowed
✅ Allowed

LinkAja

✅ Allowed
✅ Allowed
✅ Allowed

QR Payment

Payment Method
Personal
Corporate
International

QRIS

✅ Allowed
✅ Allowed
🚫 Not Allowed

Kartu Kredit Indonesia

Payment Method
Personal
Corporate
International

Kartu Kredit Indonesia (GPN)

✅ Allowed
✅ Allowed
🚫 Not Allowed

PayLater

Payment Method
Personal
Corporate
International

Akulaku

✅ Allowed
✅ Allowed
✅ Allowed

Kredivo

🚫 Not Allowed
✅ Allowed
✅ Allowed

Indodana

🚫 Not Allowed
✅ Allowed
✅ Allowed

BRI Ceria

🚫 Not Allowed
✅ Allowed
✅ Allowed

Convenience Store

Payment Method
Personal
Corporate
International

Alfa Group

✅ Allowed
✅ Allowed
✅ Allowed

Indomaret

✅ Allowed
✅ Allowed
✅ Allowed

Alfa Group includes Alfamart, Alfamidi, DanDan, and Lawson.

Direct Debit

Payment Method
Personal
Corporate
International

Direct Debit BRI

🚫 Not Allowed
✅ Allowed
🚫 Not Allowed

Direct Debit CIMB

🚫 Not Allowed
✅ Allowed
🚫 Not Allowed

Direct Debit Allobank

🚫 Not Allowed
✅ Allowed
🚫 Not Allowed

Direct Debit Mandiri

🚫 Not Allowed
✅ Allowed
🚫 Not Allowed

Digital Banking

Payment Method
Personal
Corporate
International

Jenius Pay

🚫 Not Allowed
✅ Allowed
✅ Allowed

Internet Banking

Payment Method
Personal
Corporate
International

BRImo e-Payment

🚫 Not Allowed
✅ Allowed
✅ Allowed

Internet Banking Muamalat

✅ Allowed
✅ Allowed
✅ Allowed

OCTO Clicks

✅ Allowed
✅ Allowed
✅ Allowed

Danamon Online Banking

🚫 Not Allowed
✅ Allowed
✅ Allowed

PermataNet

🚫 Not Allowed
✅ Allowed
✅ Allowed

Pricing

DOKU only charges fee based on successful transactions. The fees will be deducted from the settlement amount.


Activation

For payment method activation guide and inquiries, please refer to Activate Services.

Requirements and Limitations

Bank Transfer (Virtual Account)

Payment Method
Requirements
Min and Max Amount

BCA

  • Service agreemeent with DOKU

  • BCA bank account

Min: IDR 10,000

Max: Depends on bank account balance and account type

Mandiri

  • Service agreemeent with DOKU

  • Mandiri bank account

Min: IDR 10,000

Max: Depends on bank account balance and account type

Other Banks

No specific requirements

Min: IDR 10,000

Max: Depends on bank account balance and account type


Cards

Payment Method
Requirements
Min and Max Amount

Cards

Service agreemeent with DOKU

Min: IDR 1, but some issuers may only accept IDR 10,000

Max: Individual credit card limit

CC Installment

Service agreemeent with DOKU

Min: IDR 1, but some issuers may only accept IDR 10,000

Max: Individual credit card limit


e-Wallet

Payment Method
Requirements
Min and Max Amount

DOKU e-Wallet

No specific requirements

Min: IDR 10,000

OVO

No specific requirements

Min: IDR 10,000

Max: IDR 2,000,000 per transaction for non KYC users(club account), IDR 20,000,000 per transaction for KYC users (premier account)

ShopeePay

No specific requirements

Min: IDR 10,000

Max: IDR 2,000,000 per transaction for non KYC users(club account), IDR 20,000,000 per transaction for KYC users (premier account)

DANA

No specific requirements

Min: IDR 10,000

LinkAja

No specific requirements

Min: IDR 10,000


QR Payment

Payment Method
Requirements
Min and Max Amount

QRIS

Owner's identity card (KTP)

Min: IDR 1

Max: IDR 10,000,000 per transaction


Kartu Kredit Indonesia

Payment Method
Requirements
Min and Max Amount

Kartu Kredit Indonesia

Owner's identity card (KTP)

Min: IDR 1, but some issuers may only accept IDR 10,000

Max: Individual credit card limit


PayLater

Payment Method
Requirements
Min and Max Amount

Akulaku

No specific requirements

Depends on customer's credit line

Kredivo

No specific requirements

Pay in 30 days:

  • No minimum transaction

  • Max purchase: IDR 3,000,000

  • 0% interest

Pay 3, 6, 12 months

  • Minimum amount of IDR 1,000,000

  • Max purchase: IDR 30,000,000

  • 2.95% monthly interest

BRI Ceria

No specific requirements

Min: IDR 10,000

Indodana

No specific requirements

Min: IDR 10,000


Convenience Store

Payment Method
Requirements
Min and Max Amount

Alfa Group

No specific requirements

Maximum of IDR 5,000,000 per transaction with debit and IDR 2,500,000 per transaction with cash

Indomaret

No specific requirements

Maximum of IDR 5,000,000 per transaction with debit or cash


Direct Debit

Payment Method
Requirements
Min and Max Amount

Direct Debit BRI

Service agreemeent with DOKU

Min: IDR 10,000

Max: IDR 20,000,000 per day

Direct Debit CIMB

Service agreemeent with DOKU

Min: IDR 10,000

Max: Depends on account type

  • Classic IDR 10,000,000/day

  • Black IDR 20,000,000/day

  • Premium IDR 50,000,000/day

Direct Debit Allobank

Service agreemeent with DOKU

Min: IDR 10,000

Direct Debit Mandiri

Service agreemeent with DOKU

Min: IDR 10,000


Digital Banking

Payment Method
Requirements
Min and Max Amount

Jenius Pay

No specific requirements

Min: IDR 10,000


Internet Banking

Payment Method
Requirements
Min and Max Amount

BRImo e-Payment

No specific requirements

Min: IDR 10,000

Internet Banking Muamalat

No specific requirements

Min: IDR 10,000

OCTO Clicks

No specific requirements

Min: IDR 10,000

Danamon Online Banking

No specific requirements

Min: IDR 10,000

PermataNet

No specific requirements

Min: IDR 10,000

Shopify


Before you integrate your Shopify Store with DOKU, make sure that you have completed the following requirements:


Step 1: lnstall DOKU Payment App on Shopify App Store

Step 2: Configure DOKU Payment with Shopify

  1. On DOKU Payment Configuration page, select DOKU

  2. Configure the following required fields:

Visit API Keys for instructions on how to retrieve integration credentials (Client ID and Secret Key)

  1. Click Continue Integration With Shopify

  2. You will be redirected to the Payment Settings page in Shopify Admin Dashboard, then switch on the toggles for the payment icons you wish to display on your Shopify checkout page.

  1. Scroll down and click Activate

Step 3: Set Up Payment Notification on DOKU Dashboard

If you skip this step, your payment status on Shopify Dashboard will not be synced with DOKU Dashboard

  1. Copy the below Notification URL

https://api.doku.com/middle/v2/shopify/notify
  1. Log in to your DOKU Dashboard

  2. Navigate to Settings > Payments Settings, then go to each payment method settings page

  1. Set up the payment notification URL for each payment method that you have activated. Visit Set Up Payment Notification for instructions

Once payment notification has been configured, you can start accepting payments with DOKU.


Checkout Page Configuration

By configuring your checkout page, you will be able to:

  1. Show or hide, and sort payment methods for your customers Choose which payment methods (e.g., cards, e-wallets, and virtual accounts) tp appear on your checkout page. You can also reorder them based on your preference or customer behavior to optimize conversions.

  2. Customize the interface Adjust the look and feel of your checkout page to align with your brand. This includes modifying button colors, fonts, logos, and layout to ensure a seamless and branded customer experience.

  3. Set a default expiry time Define how long a payment session remains valid before it expires. This is useful for limiting pending transactions and encouraging quicker payments, especially for methods like virtual accounts or retail outlets.

Visit Customize Checkout Page for more detailed information.


Please ensure your sandbox credentials have been set up during your integration inStep 2: Configure DOKU Payment with Shopify.

  1. Go to Settings > Payment

  2. Under Supported Payment Methods section, select DOKU | senangPay Payments

  3. Scroll down to Test Mode section and ensure that the toggle is switched on

  4. Click Save

  5. Visit your Shopify storefront and check out a product

  6. At checkout, select DOKU | senangPay Payments as your payment method

  7. You will be redirected to DOKU Checkout page, where you can select your preferred payment method

  8. Complete the payment using DOKU Sandbox Simulator. Visit Simulate Transactions to learn how to use the payment simulator

  9. Upon completion of the payment, you will be redirected back to your store. The transaction will be marked as completed, and the order will be confirmed.


Why is my payment status not updated on Shopify?

Payment notification URL must be set up on DOKU Dashboard for the transaction status to be updated on Shopify Dashboard. Please be sure to not skip step number 3 in the Integration Guide section.

How to retrieve my integration credentials (Client ID and Secret Key)?

Please refer to the guide on API Keys to obtain your integration credentials.

Can I customize the expiry time of the payment URL?

Yes, please refer to the guide on Set Up Expiry Time.

Is it possible to change the payment provider name instead of using DOKU | senangPay Payments?

Currently, it is not possible to change the name of the payment provider.

Is integrating my Shopify store with DOKU free of charge?

Yes, integration with DOKU is free. However, an additional 0.2% fee is applied on top of the standard transaction fee for each payment method. For example, a successful transaction with Bank Transfer payment method will incur a fee of IDR 4,000 + 0.2% (excluding VAT) per transaction via Shopify.

How to enable PayLater payment methods in Shopify?

There are two requirements to enable PayLater payment methods on Shopify:

  1. In your Shopify Dashboard, go to Settings > Checkout, and enable Shipping address phone number

Once the two requirements are met, PayLater payment methods will be available during checkout.

How do I switch payment provider on Shopify to DOKU?

You can only switch the payment provider once you have uninstalled the existing payment service provider app. Once uninstallation is completed, you can follow our Integration Guide​ for Shopify.

Is it possible to switch store but use my existing business account?

Yes, you can use your existing business account with a different store. However, you must uninstall the app from the current store and complete the integration process again by following our Integration Guide​ for Shopify.

Please note that the new store must use the same brand name. Using a different brand name may result in account suspension.

My transaction failed to be processed on Shopify. What should I do?

A common reason for a failed transaction is the use of non-alphabetic characters by your customer. Our system only supports alphabetic characters, so please ensure that all input consists solely of alphabetic characters.

Customize Checkout Page

Customize the interface of your DOKU Checkout page

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. Select Settings from the menu

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

  3. 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

  4. Click Save to save your configuration


Customize Interface

  1. Select Settings from the menu

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

  3. Checkout Page Configuration page will appear, then click Interface Settings tab where you will find several options for customizing the look and feel of your checkout page, including the ability to add your logo and change the background color that fits your brand

  4. Click Save to save your configuration


Set Up Expiry Time

  1. Select Settings from the menu

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

  3. Checkout Page Configuration page will appear, then click Expired Settings tab where you can fill the default expiry time of your checkout page by hours and/or minutes in the Due Date field

  4. Click Save to save your configuration

Pricing and Fees

Business Loan

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.

Refund & Chargeback

Refund

Terms and Condition

  1. Merchant shall be entitled to void the transaction of Customer if that transaction is suspiciously has the potential to harm the Merchant in the future. The voidance information is submitted to DOKU in order to void such suspicious transactions. If the transaction is already running, the refund process shall be conducted in accordance with the provision as set out in the T&Cs.

  2. With limitation related to transactions that are suspected of violating the law, fraud, suspicious, or violating the provisions of the T&Cs and/or shall be adjusted to respective Payment Method policies, provisions regarding refunds may apply in accordance with the policies of the Merchant, that is:

    • Refund requests approved by the Merchant will be notified to DOKU. Notification to DOKU must include at least information regarding the Customer's name, email, contact number, transaction ID, bank account details or DOKU e-Wallet ID, and the amount to be returned;

    • DOKU will validate the refund request.

  3. Refunds for all transactions shall only be made to Customers through a bank account or DOKU e-Wallet.

  4. For the avoidance of doubt, DOKU reserves the right to refund the Customer at its sole discretion upon notice to the Merchant after the commencement of the refund process and the Merchant warrants that DOKU's actions does not constitute a violation by DOKU and the Merchant will indemnify and release DOKU from and any losses and claims from the Sub-Merchant and/or the Customer at DOKU's discretion. Merchant agrees to bear the refund amount.

  5. In terms of Aggregator Service, Merchant hereby grant the approval to the DOKU to use the amount of settlement to make a refund. If the amount of settlement is not sufficient to deduct the refund, the Merchant must pay the amount of refund or such amount of the deduct within 7 (seven) business days to DOKU.

  6. DOKU will return the money to the Customer's bank account no later than 10 (ten) business days after the request from the Merchant is received clearly and correctly.

  7. If the initial transaction was paid using DOKU e-Wallet, DOKU will return the money to the same DOKU e-Wallet account by using the source of funds in the initial transaction no later than 3 (three) business days after the request from the Merchant is received.

  8. DOKU shall not refund over the MDR and/or any other cost, only for the price of the Product.

  9. Refund Service Fees are as shown in the table below. The Service Fees will be deducted by DOKU from the settlement amount. The fees below are excluding applicable VAT.

Card Transactions

For Card transactions, the following are the refund details:

  • will be done through the cancellation API or by instruction from Merchant via email;

  • will only be refunded to the original credit card of the customer that is used for the transaction.

Non-Card Transactions

Non-Card (other) transactions can be refunded via bank account or DOKU e-Wallet. The following are the refund details:

  • For refund to bank accounts, there is a limitation of maximum IDR 25,000,000 (twenty-five million Rupiah) per refund disbursement.

  • For refund to e-Wallet, the maximum limits will follow the e-Wallet regulation as follows:

    1. Maximum balance of IDR 2,000,000 for users who are not KYC'd.

    2. Maximum balance of IDR 20,000,000 for users who have been KYC'd.

    3. Maximum turnover of IDR 40,000,000 for both KYC and non-KYC users within 30 days.

  • Refund will be done through DOKU's disbursement API or Refund Service API. Either API shall only be used for the purpose of Refund to the Customer and not for any other purpose without the written permission from DOKU.

  • Merchant must place a deposit in DOKU account in IDR with detail as follows:

    • Bank Name: Bank Central Asia

    • Account Name: PT Nusa Satu Inti Artha

    • Account Number: 092-1453212

    • Bank Branch: Jakarta Tebet Saharjo

Flow of Refunds using DOKU disbursement service will be as follows:

  1. Merchant must make a deposit to DOKU account as the source of refunds.

  2. Merchant must already have the customer's bank information (bank name, account name, account number) if the initial transaction was made via Virtual Account or Convenience Store, or the customer's e-Wallet ID if the initial transaction was made via e-Wallet.

  3. Merchant will send the payout instruction to DOKU by API.

  4. DOKU will execute the payout in real time.

Flow of Refunds using DOKU Refund service API will be as follows:

  1. Merchant must make a deposit to DOKU account as the source of refunds.

  2. Merchant will hit DOKU's Refund API and DOKU will return with a link.

  3. Merchant or DOKU will send the link to the customer.

  4. Customer will open the link and follow the instructions

  5. Once customer completes all information and the information provided by Customer is correct, DOKU will execute the payout.

Chargeback

Terms and Condition

Refutation is a reporting process that has the potential to become a Chargeback from the Customer to the issuer which shall be forwarded to the Acquirer.

  1. The Parties shall coordinate to settle the Refutation and DOKU shall be entitled to request necessary information from the Merchant in relation with the settlement process and Merchant shall support the Refutation process.

  2. DOKU has the right to submit documents related to the Refutation to the Acquirer, including but not limited to the details of the card transaction and transaction log.

  3. If requested, the Merchant shall submit documents related to the Refutation to the Acquirer, including but not limited to the statement letter of the Merchant of Refutated Transaction, delivery receipt, and product acceptance.

  4. If Refutation is proven to become Chargeback:

    1. In terms of Direct Merchant, Acquirer shall deduct the fund from the Merchant’s account in the amount that will be credited again to the Customer’s account as the result of the Chargeback; and/or

    2. In terms of Aggregator Service, DOKU shall deduct funds to be credited to the Customer as the result of the Chargeback to the following Settlement for the Merchant. If the fund deposit in DOKU in the escrow account is not sufficient to be deducted, Merchant shall pay to DOKU in the amount that will be credited to the Customer as the result of the Chargeback within 7 (seven) Business Days after the notification of the Chargeback and the importance of the payment to DOKU.

  5. DOKU shall only process the request for Chargeback that comes from the Acquirer, and DOKU shall have the right to decline the request for the Chargeback which comes other than the Acquirer.

  6. All forms of Chargeback from third parties shall not be the responsibility of DOKU.

Adobe Commerce (Magento)


Requirements

Before integrating your Magento store with DOKU, please ensure that the following requirements have been met:

  1. Magento v2.3 or higher. This plugin is tested with Magento v2.3.4, v.2.3.6, v.2.4.0, v.2.4.1

  2. PHP v7.4.0 or higher

  3. MySQL v8.0 or higher


Integration Guide

Step 1: Install DOKU Plugin for Magento

  1. Copy Jokul folder into your MAGENTO_DIR/app/code directory on your store's webserver.

  2. Run php bin/magento module:status. You should see Jokul_Magento2 on list of disabled modules.

  3. Run php bin/magento module:enable Jokul_Magento2

  4. Run php bin/magento setup:upgrade

  5. Run php bin/magento module:status again to ensure Jokul_Magento2 is enabled already.

  6. Flush Magento cache by running php bin/magento cache:flush

  7. Compile Magento with newly added module by running php bin/magento setup:di:compile

  8. Flush Magento cache again php bin/magento cache:flush​

Step 2: Plugin Setup

  1. Log in to your Magento Admin Panel

  2. Navigate to Stores > Configuration

  3. Go to Sales > Payment Methods

  4. Locate DOKU section

  5. Click the dropdown arrow icon to view the details

  6. Configure the following required fields:

    • Environment:

      • For testing transactions, select Sandbox

      • For processing real transactions, select Production

    • Expiry Time: Expiration time in minutes

    • Notification URL: Payment notification URL for all payment methods

    • QRIS Notification URL: Payment notification URL for QRIS payment method

    • Email Sender Address: You can fill this column with your email address. This will later be used as info to send notifications to your customers

    • Email Sender Name: You can fill this column with your name. This will be used to email send notifications to your customers

    • CC Email Adress: You can fill this column other email adress. This will be used to email send notifications to your customers

    • Email Notifications: You can send an email containing a guide on how to complete the payment using specific payment methods

  7. Click Save Config

Step 3: Set Up Payment Notification on DOKU Dashboard

If you skip this step, your payment status on Magento Admin Panel will not be synced with DOKU Dashboard

  1. Copy the Notification URL from the Magento Admin Panel

  2. Log in to your DOKU Dashboard

  3. Navigate to Settings > Payments Settings, then go to each payment method settings page

Once payment notification has been configured, you can start accepting payments with DOKU.


Checkout Page Configuration

By configuring your checkout page, you will be able to:

  1. Show or hide, and sort payment methods for your customers Choose which payment methods (e.g., cards, e-wallets, and virtual accounts) tp appear on your checkout page. You can also reorder them based on your preference or customer behavior to optimize conversions.

  2. Customize the interface Adjust the look and feel of your checkout page to align with your brand. This includes modifying button colors, fonts, logos, and layout to ensure a seamless and branded customer experience.

  3. Set a default expiry time Define how long a payment session remains valid before it expires. This is useful for limiting pending transactions and encouraging quicker payments, especially for methods like virtual accounts or retail outlets.


Error Log

​Error log, also known as doku_log, helps simplify the process of identifying issues related to the payment process when using the DOKU Plugin. If any issues arise while using the plugin, you can contact our support team and provide the doku_log file to assist with troubleshooting. The doku_log file records all transaction activity by date, regardless of the payment method used.

How to Enable and Access the doku_log:

  1. Open the MAGENTO_DIR directory on your store’s web server.

  2. Create a new folder named doku_log in your store’s directory. This enables the plugin to automatically log activity to your web server.

  3. Navigate to the doku_log folder and open the log file corresponding to the date of the issue.

  4. You can view or download the log file as needed.

If an issue occurs, please send the relevant doku_log file to our support team. This helps us investigate and resolve the issue more efficiently.


FAQ

How to retrieve my integration credentials (Client ID and Secret Key) ?
Why is my payment status not updated on Magento Admin Panel?

Payment notification URL must be set up on DOKU Dashboard for the transaction status to be updated on Magento Admin Panel. Please be sure to not skip step number 3 in the Integration Guide section.

Settlement Time

The settlement time varies for every payment method as well as the settlement scheme (aggregator or direct). The following is the settlement period table for Aggregator Settlement scheme based on each payment method and payment channel.

Daily settlement time is only on working days from 12:00-14:00 GMT+7

The above settlement period only applies to corporate merchants with a local bank account. Merchants with an overseas bank account or a bank account with a non-IDR currency may have a weekly, bi-weekly, or monthly settlement period depending on the agreement with DOKU.

DOKU will not settle your funds if your business account has not been verified.

Solution Use PayChat as the mobile on the go for LPD providing digital products to customers. How Connect PayChat to Local Bank core Banking as SoF to order digital products. Features Used:

You can try Direct API by using our demo , or immediately integrate with our API by following the guide .

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For full implementation details, please refer to our .

is a WordPress plugin that transforms a WordPress website into a fully functional e-Commerce platform. WooCommerce enables website owners to set up online stores with ease. It provides a range of features for managing products, inventory, orders, and payments, making it a popular choice for businesses and individuals looking to establish an online presence for selling goods or services. With WooCommerce, users can customize their online stores and leverage various extensions and themes to enhance the functionality and appearance of their e-Commerce websites.

Create a website with

Create a

Sandbox Client ID: Client ID retrieved from

Sandbox Secret Key: Secret Key retrieved from

Production Client ID: Client ID retrieved from

Production Secret Key: Secret Key retrieved from

For testing transactions, visit

For processing real transactions, visit

For complete integration guide with SDKs and Libraries, visit .

about the differences between Personal, Corporate, and International.

Don't worry! There are no setup fees, monthly subscription fees nor registration fees.

Click to see the full price list for each payment method.

If you would like to have a service agreement with DOKU, please contact our Sales team by filling the following

is an e-Commerce platform that helps merchants to create and manage online stores without the need of extensive technical knowledge. Shopify is suitable for a wide range of businesses, from small startups to large enterprises. It caters to various industries and allows users to sell physical products, digital goods, and services.

Requirements

Create an online store with

Create a

(Optional) Create a . You can use Shopify Trial Program and test your integration with a DOKU Sandbox Account

Integration Guide

Log in to your

Log in to your

lnstall on Shopify App Store

Sandbox Client ID: Client ID retrieved from

Sandbox Secret Key: Secret Key retrieved from

Production Client ID: Client ID retrieved from

Production Secret Key: Secret Key retrieved from

For testing transactions, visit

For processing real transactions, visit

Testing Payments

You can simulate transactions in your Shopify store using by following the steps below:

Log in to your

FAQ

PayLater payment methods must be activated in your

If the transaction still fails to process after confirming the input is alphabetic, please submit a support ticket or send an email to , and our team will assist you in troubleshooting the issue.

Log in to , and then access the side navigation bar

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

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

Settlement Method
Fee per Transaction

(Magento) is an e-Commerce platform built on open source technology which provides online merchants with a flexible shopping cart system, as well as control over the look, content and functionality of their online stores. Magento offers powerful marketing, search engine optimization, and catalog-management tools. Magento's ability to scale allows shops with only a few products and simple needs to easily expand to tens of thousands of products and complex custom behavior without changing platforms.

Create a store with

Create a

Download

Sandbox Client ID: Client ID retrieved from

Sandbox Secret Key: Secret Key retrieved from

Production Client ID: Client ID retrieved from

Production Secret Key: Secret Key retrieved from

Visit for instructions on how to retrieve integration credentials (Client ID and Secret Key)

For testing transactions, visit

For processing real transactions, visit

Set up the payment notification URL for each payment method that you have activated. Visit for instructions

Visit for more detailed information.

Please refer to the guide on to obtain your integration credentials.

Payment Method
Payment Channel or Acquiring Bank
Settlement Period (Working Days)
here
here
Shopify
WordPress (WooCommerce)
Magento
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
API Reference
WooCommerce
WordPress
DOKU Sandbox
DOKU Sandbox
DOKU Dashboard
DOKU Dashboard
DOKU Sandbox
DOKU Dashboard
DOKU API Reference
here
form
Shopify
​
Shopify
​
DOKU Dashboard
Shopify Store
DOKU Payment App
DOKU Sandbox
DOKU Sandbox
DOKU Dashboard
DOKU Dashboard
DOKU Sandbox
DOKU Dashboard
​
DOKU Sandbox
Shopify Store
​
DOKU Dashboard
care@doku.com
DOKU Dashboard
DOKU Dashboard
DOKU Dashboard
DOKU Business Account
DOKU Business Account
DOKU Sandbox Account
Learn more

DOKU e-Wallet

IDR 2,500

Bank Transfer with an amount below IDR 25,000,000

IDR 6,500

Cards

-

T+3

Virtual Account

BCA

T+2

Virtual Account

DOKU

T+2

Virtual Account

Other Banks

T+1

e-Wallet

OVO

T+2

e-Wallet

ShopeePay

T+2

e-Wallet

LinkAja

T+1

e-Wallet

DANA

T+2

e-Wallet

DOKU e-Wallet

T+1

QR Code

QRIS

T+1

Kartu Kredit Indonesia

Kartu Kredit Indonesia

T+2

PayLater

Akulaku

T+2

PayLater

Kredivo

Tuesdays and Fridays

PayLater

Indodana

T+2

PayLater

BRI Ceria

T+2

Convenience Store

Alfa Group

T+4

Convenience Store

Indomaret

T+4

Direct Debit

BRI

T+1

Direct Debit

Allo Bank

T+2

Direct Debit

CIMB

T+3

Direct Debit

Mandiri

T+2

Digital Banking

Jenius Pay

T+2

Internet Banking

BRImo e-Payment

T+1

Internet Banking

Internet Banking Muamalat

T+1

Internet Banking

OCTO Clicks

T+1

Internet Banking

Danamon Online Banking

T+1

Internet Banking

PermataNet

T+1

Customize Checkout Page
API Keys
API Keys
Set Up Payment Notification

List of Virtual Accounts

Marketplace
Code
Supported Banks

Tokopedia

PVATOKO

Permata

Bukalapak

PVABUKA

Permata

List of e-Wallets

e-Wallet
Code
Beneficiary Account Sample
Notes

GoPay

GOPAY

081233445566

Channel Code: “07” beneficiaryAccountNumber = Beneficiary’s Phone Number

DANA

DANA

081233445566

Channel Code: “07” beneficiaryAccountNumber = Beneficiary’s Phone Number

ShopeePay

SHOPEEPAY

081233445566

Channel Code: “07” beneficiaryAccountNumber = Beneficiary’s Phone Number

OVO

OVO

081233445566

Channel Code: “07” beneficiaryAccountNumber = Beneficiary’s Phone Number

LinkAja

911

081233445566

Channel Code: “07” beneficiaryAccountNumber = Beneficiary’s Phone Number

Finance & Settlement

https://github.com/PTNUSASATUINTIARTHA-DOKU/doku-nodejs-library
https://github.com/PTNUSASATUINTIARTHA-DOKU/doku-java-library
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Adobe Commerce
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DOKU Plugin for Magento
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DOKU Sandbox
DOKU Dashboard
DOKU Dashboard
DOKU Sandbox
DOKU Dashboard
DOKU Business Account

Digital & Gaming

For Accepting Payments

  1. Payment Link

    1. Multiple Payments.

      • By using Multipe Payments, customers can use the same link to make payments multiple times. This will make it more convenient for the customers to make payments as the payment link does not change.

  2. e-Katalog

    • You can easily list all your products, both digital and non-digital such as devices (laptop, mouse, and headphones) and electronic vouchers.

  3. QRIS (Static)

    • Static QR codes contain fixed information, and the content remains the same for every transaction. Static QR codes are generally easier to generate and manage, as the information encoded in the code remains constant.

For Accepting Payments

  1. DOKU Checkout

    • For easier integration, we recommend to use DOKU Checkout.

  2. Direct API

    • For more customizable integration, we recommend to use Direct API.

Freelance

For Accepting Payments

  1. Payment Link

    • Partial Payments. This feature allows clients to make partial payments to you provided that you allow it. This will help to increase the success rate of the transactions as clients are given flexibility to make installments to their payments.

    • Multiple Payments. By using Multipe Payments, clients can use the same link to make payments multiple times. This will make it more convenient for the clients to make payments as the payment link does not change.

  2. e-Katalog

    • You can easily list all your services such as logo design, web design, translation, business, blogging, content marketing, proofreading, and many more.

  3. QRIS (Static)

    • Static QR codes contain fixed information, and the content remains the same for every transaction. Static QR codes are generally easier to generate and manage, as the information encoded in the code remains constant.

For Accepting Payments

  1. DOKU Checkout

    • For easier integration, we recommend to use DOKU Checkout.

  2. Direct API

    • For more customizable integration, we recommend to use Direct API.

Insurance

For Accepting Payments

  1. Payment Link

    • Multiple Payments. By using Multipe Payments, customers can use the same link to make payments multiple times. This will make it more convenient for the customers to make payments as the payment link does not change.

  2. Virtual Terminal

    • Easily charge your clients without having the hassle of going through 3DS for every transaction.

For Accepting Payments

  1. DOKU Checkout

    • For easier integration, we recommend to use DOKU Checkout.

  2. Direct API

    • For more customizable integration, we recommend to use Direct API.

Domestic Payouts

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 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.

Domestic Payouts cover 120+ local banks and popular e-Wallets (such as GoPay, OVO, DANA, LinkAja and ShopeePay).


Key Features

Feature
Description

Bank Account Validation

Ensures secure transfers by validating beneficiary bank or e-wallet accounts before initiating payouts.

Multi-Channel Payouts

Supports a wide range of payout methods including bank transfers (Online, BI Fast, SKN/RTGS) and e-Wallets.

Customizable Workflows

Allows tailoring of disbursement workflows with custom approval layers and permission settings for secure, compliant processes.

Real-time Reporting and Tracking

Offers live insights into transactions, with access to status updates, history, and full reconciliation-ready reports.

Flexible Fee Structures

Supports sender-paid, receiver-paid, fee sharing (e.g., 50/50), monthly invoicing, and percentage-based fee models.

Alert System

Sends email alerts for key triggers such as balance thresholds (e.g., under IDR 1,000,000) and top-ups, enabling proactive monitoring.

Multi-Currency Deposits

Accepts merchant deposits in IDR, USD, and SGD, configurable per account, supporting international operations.

API Integration

Provides a robust API for seamless system integration, backed by dedicated technical assistance.

Streamlined PG Settlements

Enables smooth reconciliation by directing payment gateway settlement funds into payout deposit accounts, allowing refunds and transfers to agents, vendors, or partners.

Our operations are subject to banking hours, and funds cannot be disbursed during non-operational periods.


FAQ

What are the supported banks for Domestic Payouts?
How to get started with Domestic Payouts?

Wallet-as-a-Service

Introduction

Wallet-as-a-Service (WaaS) enables platforms to embed full-featured digital wallet functionality directly into their apps or systems. It provides an API-based infrastructure to issue, top-up, monitor, and manage user balances securely—without needing to build wallet systems or acquire regulatory licenses independently.

WaaS is designed for platforms that want to create branded wallet experiences with flexibility, speed, and compliance from day one. There are two types of WaaS:

SNAP API

Direct integration of digital wallet APIs into your company's application to streamline all payment transactions.

Whitelabel Wallet

End-to-end creation of a digital wallet application customized to your company's branding. This application encompasses all features available in the DOKU e-Wallet, with a similar interface and layout. With this service, the process of creating a digital wallet application becomes faster and easier, equipped with various features such as account creation, bank transfers, QRIS payments, and much more.


Key Features

Feature
Description

API-First Infrastructure

Provides RESTful APIs to issue, fund, transfer, and track balances. Enables full backend wallet functionality through integration.

Brandable & Embedded

Enables platforms to fully control UI/UX while DOKU powers the wallet logic in the background.

Secure & Compliant

Operates under DOKU’s regulatory licenses, including KYC, AML, and other financial regulations.

Data Tracking

A centralized dashboard to monitor wallet activity, track balances, and manage user operations.

KYC & Reporting Support

Built-in capabilities for identity verification, transaction history, and compliance reporting.

Scalable Infrastructure

No need to build or maintain backend systems—DOKU manages the infrastructure, updates, and security.


Use Cases

Challenge: A digital cooperative platform needed to enable secure savings, loan disbursements, and QRIS-based transactions—without having the in-house resources to build or manage financial backend systems.

Solution:

  • Integrated Wallet-as-a-Service APIs to issue wallets and manage balances per member

  • Enabled wallet funding via Virtual Accounts

  • Supported transfers and withdrawals as part of the cooperative's savings and loan operations

  • Leveraged DOKU’s compliance and licensing to operate without requiring its own financial permits

Outcome:

  • Accelerated launch without needing backend wallet infrastructure

  • Smooth transaction experience for members

  • Full control over wallet flows and visibility through the WaaS dashboard

Challenge: A financial platform offering bill payments needed a licensed, secure wallet infrastructure to manage user balances and repayments.

Solution:

  • Used WaaS to issue branded wallets for users

  • Enabled top-ups via Virtual Accounts linked to user IDs

  • Connected wallet balances to billing and loan repayment systems

  • Integrated compliance workflows using DOKU’s license and infrastructure

Outcome:

  • Fast time-to-market with minimal technical overhead

  • A fully embedded and seamless wallet experience

  • Regulatory compliance handled through DOKU

Challenge: A loyalty platform needed to manage cashback for users without building a wallet system from scratch.

Solution:

  • Implemented multi-wallet architecture to separate cash and non-cash balances

  • Integrated APIs to track balances and issue rewards

  • Operated under DOKU’s license for fund custody and reporting

Outcome:

  • Enabled complex reward flows with minimal dev effort

  • Delivered a branded user experience with backend wallet logic powered by WaaS

  • Streamlined tracking and reconciliation for both partners and end users

Challenge: A platform that connects multiple services—such as ride-hailing, food delivery, or logistics—needed a unified way to manage payments and balances for different stakeholders (e.g., drivers, merchants, partners) without building a custom wallet infrastructure.

Solution:

  • Integrated WaaS to issue individual wallets for each user or partner

  • Monitored wallet activity and balances through a centralized dashboard

  • Used multi-wallet IDs to separate earnings, incentives, and fees

Outcome:

  • Reduced complexity of managing internal ledgers or reconciliations

  • Improved partner experience with fast and secure payouts

  • Maintained full oversight of financial flows with built-in compliance support


FAQ

Who can use Wallet-as-a-Service?

Wallet-as-a-Service (WaaS) is ideal for businesses that want to embed wallet functionality into their platforms. Typical users include:

  • Fintech platforms

  • Digital cooperatives

  • Loyalty and rewards apps

  • Marketplaces or aggregators

It's designed for B2B use and is not a consumer-facing wallet.

Do I need to handle compliance or licensing?

No. WaaS operates under DOKU’s regulatory licenses. This means you don't need to apply for your own financial licenses or manage compliance workflows like KYC, AML, or reporting—DOKU takes care of that for you.

Can I customize the wallet experience for my users?

Yes. You have full control over your user interface and user experience. DOKU provides the wallet infrastructure through APIs, so your app can remain fully branded and user-facing while using WaaS in the background.

What types of balances can the wallet support?

WaaS can support multiple types of balances, including:

  • Cash equivalents (e.g., top-ups, payments)

  • Cashback

  • Vouchers or loyalty points

Each balance type can be managed through unique wallet IDs.

How long does integration take?

Integration is API-driven and streamlined for speed. Many platforms can go live significantly faster compared to building and certifying a wallet system from scratch. The actual timeline depends on your team’s development capacity and desired features.

What is the cost to create a wallet?

Creating a wallet using Wallet-as-a-Service is completely free. There are no setup fees or charges for issuing wallets. Fees only apply when performing certain operations, such as transferring funds between wallets. Pricing is transaction-based, allowing you to scale cost-effectively as your platform grows.

Promo Engine

Create and manage promotional campaigns to boost your sales

Introduction

Promo Engine is a tool provided in DOKU Dashboard that enables merchants to create a promo where the customers can apply a discounted fee of their purchase based on the amount that is allowed by the merchants. The discount can either be percentage-based or flat-based discounts. The performance of your promos can also be tracked using our analytics and reporting. Promo Engine serves as a powerful marketing tool to enable your business to attract, engage, and retain customers through strategic and targeted promotional activities.


Key Features

Campaign Management

Promo Engine allows merchants to design and manage diverse promotional campaigns, including discounts and cashback offers.

Rule-Based Promo System

You can define specific rules and conditions that trigger promotions, ensuring targeted and strategic incentive programs. For instance, a discount might be applied only if a customer makes a purchase above a certain amount or uses a specific payment method. Rules can also be applied for other objects such as:

  1. Per Transaction Value

    • Merchants can customize and fine-tune promotional campaigns based on the specific value of individual transactions. This feature is designed to offer flexibility and precision in targeting promotions, ensuring that incentives are applied according to transaction amounts.

  2. Per Quota

    • Merchants can manage the distribution and usage of promotions by setting specific redemption quotas. This functionality adds a layer of control and flexibility to promotional campaigns, allowing merchants to regulate the number of times a particular promotion can be redeemed.

  3. Per User or Unique ID

    • Merchants can deliver highly personalized and targeted promotions by applying incentives on an individual basis. This functionality enables the application of promotions based on unique user identifiers, allowing for a more tailored and strategic approach to marketing

  4. Per Payment Method

    • Merchants can strategically manage and optimize promotions based on different payment methods. This functionality empowers merchants to customize incentives for specific payment methods, encouraging customers to utilize preferred or strategic channels.

At present, only Cards and DOKU e-Wallet payment methods are available on Promo Engine.

  1. Per Time or Period

    • Merchants can schedule and control promotions based on specific time periods. This functionality empowers merchants to strategically deploy promotions during targeted hours, days, or events, maximizing the impact of incentives.

  2. Per Discount Amount

    • Merchants can apply dynamic discounts based on the total transaction amount. This functionality provides the flexibility to create promotions where the discount amount varies depending on the overall value of the customer's purchase.

Budget Control and Notification

Budget Control is a feature to manage and control promo spending. This feature ensures that promotional activities align with predefined budget constraints, promoting financial transparency and preventing overspending. Once merchants set the budget, merchants will receive notifications when budgets are near to depletion or exceeding predefined limits.

Promo Duplication

Promo Engine allows merchants to create similar promos by duplicating existing ones. This feature not only helps to save a lot of time and effort to set up a promo, but it ensures consistency of the information and details of the promo that is to be created.

Reporting and Analytics

Comprehensive reporting tools are offered in DOKU Dashboard that enable you to analyze the performance of promotional campaigns, understand customer behavior, and make data-driven decisions for future strategies.


Benefits

Benefit
Description

Increased Customer Engagement

Promo Engine helps create attractive incentives that encourage customers to interact, make purchases, and engage with loyalty programs.

Boosted Sales

Promotions drive revenue by attracting new customers, increasing average order value, and encouraging repeat purchases. Upsell or cross-sell complementary products with ease.

Enhanced Customer Loyalty and Retention

Personalized promotions and loyalty initiatives foster strong relationships and repeat business by encouraging customers to stay with your brand.

Seasonal Strategies

Easily manage holiday- or event-specific promotions such as Ramadan, Christmas, or Back-to-School, ensuring your campaigns align with demand cycles.

Data-Driven Marketing

Built-in analytics help track campaign performance, customer behavior, and preferences to refine future marketing strategies.

Competitive Advantage

Effective use of Promo Engine gives businesses a market edge by making them more attractive to customers and increasing brand visibility.

Adaptability

Promotional campaigns can be modified at any time to respond to changing trends, market conditions, or customer preferences.


FAQ

How does Promo Engine work?

When customers proceed to the payment page, they will be presented with an option to apply a promo code. If eligible, entering the code will trigger an immediate deduction from the total amount due. This seamless experience enhances customer satisfaction and helps increase conversion rates.

Can I customize the conditions under which a Promo is offered?

Yes, you have full control over the conditions for applying this discount. Set specific criteria such as minimum order value, specific products, or purchase combinations to ensure the promo aligns with your marketing goals.

Can I combine one Promo with other types of promotions?

No, currently the promo engine does not support the combined promotion with other promo types, but soon you have the flexibility to design promotions that combine the "Promo for Discounted Amount on the Payment Page" with other promo types, such as cashback rewards or loyalty programs. This versatility allows you to create compelling and multi-dimensional offers.

Are there any limitations to the types of products or services eligible for a Promo?

You can specify which products or services are eligible for the promo. This allows you to target specific items or categories that align with your promotional objectives.

Can I modify my Promos in real-time?

Yes, Promo Engines enables adaptation and modification of promotional strategies in real-time, allowing for quick responses to market trends, seasonal changes, or shifts in customer behavior. Please note that Budget and Terms of Conditions cannot be altered once they have been activated. You have the option to save the campaign as a draft and schedule the activation of the promo based on a date that you designated.

How to create a Promo test?

Account Verification

FAQ

Can I use the same identity card for more than 1 DOKU e-Wallet account?

Your identity card can only be used for one account. If you have used your ID card (SIM, KTP, or Passport) to upgrade your account, you cannot use the same ID card again for another account.

Why hasn't my DOKU e-Wallet account upgrade request been processed?

DOKU e-Wallet account upgrade process typically takes up to 2×24 hours. If you have not received a verification result after this period, please contact us at care@doku.com by providing your DOKU ID and details of the issue.

Juragan DOKU

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.


Key Features

Payment Link

Create Orders with Payment Links in an Instant

Generate payment links that can be seamlessly scanned and shared with your customers. Let them choose from a variety of payment methods, including e-wallets, credit cards, and bank transfers. Payment Link will make it easier for you to track & control all transactions.

QRIS

Instant Confirmation through Your Device with Dynamic QRIS

Juragan App allows you to generate dynamic QRIS codes effortlessly. Enjoy instant confirmation right on your phone, ensuring a swift and secure payment process. Embrace transactions with digital payment in the palm of your hand.

e-Katalog

Effortless Product Management and Order Processing

Transform your selling experience with the e-Katalog feature on Juragan App. Showcase your products in a visually appealing catalog that you can share with your customers. They can directly make purchases, choosing shipping options such as instant, same- day, or regular shipping. Receive instant notifications through the app for new orders, streamline your order processing, and even request pick-up services to send products to your customers hassle-free.

The following video is a guide on how to use e-Katalog on Juragan DOKU.


Installation

Juragan DOKU supports both iOS and Android operating systems. Visit the links below to download and install Juragan DOKU based on the operating system that your phone supports:


FAQ

What is the difference between DOKU Dashboard and Juragan DOKU?

DOKU Dashboard mainly supports web/browser platforms, while Juragan DOKU only supports mobile platforms (iOS and Android). Despite the difference of platforms, you can log in to DOKU Dashboard and Juragan DOKU with the same DOKU Business Account credentials.

What is the price to install Juragan DOKU app?

Juragan DOKU App is free on both Play Store and App Store. Furthermore, DOKU does not charge any monthly fee for using Juragan DOKU app. DOKU only charges fee based on every successful transaction.

Top-Up and Withdrawal

FAQ

How to top up my DOKU e-Wallet balance?

You can top up your balance via bank transfer or convenience store. The following are the steps to top up your balance:

  1. Log in to your DOKU e-Wallet Account

  2. Select Sumber Dana

  3. Choose Bank to view instructions for topping up via bank transfer

  4. Choose Gerai to view instructions for topping up through convenience stores

  5. Choose Kartu Kredit to link your credit card to your DOKU e-Wallet Account

What is the fee to top up my DOKU e-Wallet balance?
  • Top-ups made through Bank Permata to a Permata Bank account (856666) are free of charge

  • Top-ups made through Bank CIMB Niaga to a CIMB Niaga account (51490) are also free of charge

  • Top-ups made through banks other than Bank Permata to either a Permata Bank account (856666) or a DOKU account (899) are subject to a bank transfer fee of IDR 6,500

  • Top-ups made through convenience stores are subject to a service fee of IDR 2,500

Account Settings

FAQ

I forgot my DOKU e-Wallet PIN. How do I reset my PIN?

If you forgot your DOKU e-Wallet PIN, you may reset your PIN by following the steps below:

  1. Open your DOKU e-Wallet App

  2. Enter your registered phone number

  3. Select "Lupa PIN"

  4. Enter the Verification Code sent to the registered mobile number

  5. Enter the new PIN

  6. You can now log in with your new PIN.

How to unlock a locked DOKU e-Wallet account?
  1. Open DOKU e-Wallet app, then enter your phone number

  2. A notification will appear indicating that your account has been locked

  3. Click "Buka Akun" button, and a link will be sent to your email to unlock your account

  4. Access the link that was sent to your email

  5. Click "Buka Akun Saya" to unlock account

What is the difference between a Regular and Premium account?

Premium Account allows you to

  • Transfer balance to other DOKU e-Wallet users;

  • Withdraw balance via Bank Transfer; and

  • Have the balance limit increased to IDR 20,000,000

Sub-Account

Introduction

Sub-Account is a powerful infrastructure layer that allows platforms to create, manage, and monitor digital balances across multiple account entities. It combines the functions of a sub-account, business wallet, and digital transfer unit (DTU), giving businesses full control over complex fund flows such as deposits, commissions, payouts, and internal transfers—all under one system.

Whether you're managing agent deposits, partner commissions, or branch-level funds, Sub-Account simplifies the process while ensuring transparency, visibility, and financial control.


Key Features


Use Cases

Who it's for: Platforms that work with agents, travel networks, or product distributors who need to deposit funds and make transactions efficiently.

Challenge: Manually tracking deposits and deductions from multiple agents often leads to errors, delays, and reconciliation headaches.

Solution:

  • Each agent is assigned a dedicated sub-account with a linked Virtual Account or QR code.

  • Agents top up their account independently.

  • Platform deducts transaction amounts automatically as agents make purchases.

Benefits:

  • Automates top-ups and deductions

  • Reduces human error and manual intervention

  • Prevents revenue leakage and simplifies accounting

Who it's for: SaaS platforms, superapps, or payment aggregators needing to consolidate transaction data across services and partners.

Challenge: Managing multiple payment providers and revenue streams makes reconciliation complex and audit prep time-consuming.

Solution:

  • Use Sub-Account to build a master ledger with categorized sub-accounts.

  • Track inflows and outflows per channel, partner, or feature.

Benefits:

  • Centralizes financial oversight

  • Simplifies reconciliation and audits

  • Improves transparency and internal reporting

Who it's for: Marketplaces, digital platforms, or superapps that collect customer payments and need to split earnings across vendors, drivers, and platform commissions.

Challenge: Manual fund splitting causes delays, mismatched payouts, and strained partner relationships.

Solution:

  • Payments are received into a primary account.

  • Platform defines rules to automatically distribute funds to multiple sub-accounts (e.g., vendor, driver, affiliate).

Benefits:

  • Automates multi-party payouts

  • Reduces errors and payout delays

  • Increases trust and scalability of financial operations

Who it's for: Retail chains, restaurant groups, or franchise networks managing operational budgets across locations.

Challenge: HQ struggles to track branch-level spending and enforce budgets using manual tools or spreadsheets.

Solution:

  • Assign each branch a dedicated sub-account.

  • HQ tops up wallets and monitors usage in real-time.

  • Spending rules or alerts can be applied.

Benefits:

  • Real-time visibility over branch funds

  • Centralized control with decentralized execution

  • Reduces risk of fund misuse and reconciliation time


FAQ

Do I need to be a licensed financial institution?

No. You can operate under DOKU’s regulatory framework. All fund movements and compliance operations are handled within our infrastructure.

Can I use both the API and dashboard?

Yes. Sub-Account is accessible via both a developer-friendly API and a real-time dashboard for operations and finance teams.

What kind of accounts can I create?

You can create virtual sub-accounts for agents, partners, branches, or any internal department. Each account supports fund tracking and routing based on your defined rules.

Is there a cost to create a sub-account?

There is no setup fee for creating sub-accounts. Pricing is based on actual fund movement (e.g., transfers, disbursements) and will be charged per transaction.

What payouts options are available in Sub-Account?

Sub-Account upports various payout options, including bank transfers and e-Wallets. It allows businesses to initiate secure and timely payouts to partners or internal divisions.

Can I create and manage accounts for both internal divisions and external partners?

Yes, Sub-Account allows you to create and manage accounts for both internal divisions and external partners, providing a comprehensive financial management solution for your business.

List of Banks

DOKU e-Wallet

Introduction

DOKU e-Wallet is a digital wallet service that enables users to make online and offline payments safely, anytime and anywhere. You can use DOKU e-Wallet to pay various bills and subscription-based purchases, top up and withdraw cash, as well as transfer funds to other DOKU e-Wallet users.


Key Features

Mobile Wallet Management

DOKU e-Wallet serves as a centralized hub for users to manage their digital wallets effortlessly. Users can easily check their wallet balance, review transaction histories, and monitor their financial activities in real-time. This feature empowers individuals to maintain control over their digital funds with convenience and accessibility.

Premium Account

While the Regular Account only allows a maximum balance of IDR 2,000,000, a Premium Account allows a maximum balance of IDR 20,000,000. You are also enabled to transfer balance to other DOKU e-Wallet users and withdraw balance via Bank Transfer.

Online and Offline Payments

One of the primary functionalities of DOKU e-Wallet is the ability to make secure and seamless online and offline payments. Users can shop for a wide array of goods and services, ranging from e-commerce purchases to digital subscriptions, using their mobile devices. DOKU e-Wallet provides a user-friendly interface, ensuring a smooth and efficient payment process for various online transactions.

Bill Payments

DOKU e-Wallet often supports bill payments for utilities, telecommunications, and other services. Users can settle their bills directly through the app, eliminating the need for traditional payment methods and providing a more efficient and time-saving alternative. DOKU e-Wallet supports the following list of Bill Payments:

  1. Mobile Balance Topup (Pulsa)

  2. Mobile Package Data (Paket Data)

  3. PLN Prepaid/Postpaid (Prabayar/Pascabayar)

  4. PDAM

  5. Internet & Cable TV

  6. Telkom

  7. Phone Bill (Telfon Pascabayar)

  8. BPJS (Badan Penyelenggara Jaminan Sosial)

  9. Tax & Non-Tax Payments (Penerimaan Negara)

  10. Cash Withdrawal (Tarik Tunai)

  11. On-Store Payment (Belanja di Toko)

QRIS Payments

QRIS (Quick Response Code Indonesian Standard) is a standardized QR code system used for digital payments in Indonesia. DOKU e-Wallet allows users to make payments by scanning QR codes using their mobile devices. The QRIS system is designed to facilitate interoperability among different payment service providers, making it easier for consumers and merchants to transact across various platforms.

Fund Transfer to Banks and e-Wallets

DOKU e-Wallet facilitates quick and secure money transfers, allowing users to send funds to other DOKU users or individuals who have DOKU accounts. This feature is particularly useful for peer-to-peer transactions, splitting bills, or sending money to friends and family members, all within the convenience of the mobile application.

Promotions and Rewards

To enhance user engagement, DOKU e-Wallet may offer promotions, discounts, and rewards programs. Users may receive exclusive deals or cashback rewards for using the app for specific transactions or shopping with partner merchants, providing added incentives for continued usage.

Security Features

Recognizing the importance of security in financial transactions, DOKU e-Wallet incorporates robust security measures. These may include encryption protocols, multi-factor authentication, and other security features to safeguard users' financial information and transactions, instilling confidence in the use of the digital wallet.

Merchant Integration

DOKU e-Wallet seamlessly integrates with a diverse range of online and offline merchants. This integration enables users to make purchases from a variety of businesses, including retail stores, restaurants, and service providers. By connecting with merchants, the app enhances the overall shopping experience, offering users the flexibility to pay for goods and services using their DOKU digital wallet.


Installation

DOKU e-Wallet supports both iOS and Android operating system. Visit the links below to download and install DOKU e-Wallet based on the operating system that your phone supports:


FAQ

Please select the appropriate category of your inquiry:

Cash Out

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.


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.

  4. Token and Information: Provide the cashier with the required information, including the token, your cell phone number, and the desired withdrawal amount.

  5. Completion: Once the process is complete, the cashier will dispense the requested cash along with a detailed receipt.


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

  • Merchant must gain approval from the third party (Indomaret).


FAQ

What is the maximum amount to withdraw with Cash Out?

For Cash Out with Indomaret, the maximum amount to withdraw is IDR 1,000,000 per transaction. For Cash Out with Alfamart, the maximum amount to withdraw is IDR 5,000,000 per transaction.

How to get started with Cash Out?
GitHub - PTNUSASATUINTIARTHA-DOKU/SDK-AndroidGitHub
GitHub - PTNUSASATUINTIARTHA-DOKU/SDK-iOSGitHub

You may visit this article for the full list of all supported banks.

Please fill and submit form, and our team will contact you for further details.

You can test to set up a Promo with . This will help you to visualize how your Promo would look like before releasing it in the production environment. Visit Set Up a Promo for the detailed guide.

If your questions cannot be found here, please visit for further information.

The following video is a guide on how to create a Payment Link with Juragan DOKU.

The following video is a guide on how to generate a QRIS with Juragan DOKU.

Juragan DOKU on (iOS)

Juragan DOKU on (Android)

If your questions cannot be found here, please visit for further information.

Why is my DOKU e-Wallet account locked?

A locked DOKU e-Wallet account is caused by multiple incorrect entries of password and PIN. Check

If your questions cannot be found here, please visit for further information.

Feature
Description
No
Bank Name
ID
SWIFT Code
Online
BI-FAST
SKN/RTGS

DOKU e-Wallet on (iOS)

DOKU e-Wallet on (Android)

Feature
Description

Please fill and submit form, and our team will contact you for further details.

List of Banks
this

Set Up a Promo Create a promo to apply discounts, rewards, or offers during payment transactions

DOKU Sandbox
Juragan DOKU

Sub-Account Structure

Create and manage account layers for agents, partners, or branches.

API & Dashboard Access

Set up, monitor, and control all sub-accounts via APIs or a no-code dashboard.

Custom Fund Routing

Apply programmable logic to automatically route payments, deduct fees, or allocate funds.

Real-Time Monitoring

Gain full visibility into balances, flows, and transaction logs in real time.

Multi-Channel Top-Up

Support VA, QR, or other methods for fund deposits across accounts.

Unified Ledger View

Consolidate and categorize financial records for reconciliation and audits.

Role-Based Oversight

Allow HQ to distribute and track branch funds while enforcing spending rules.

Audit-Ready Logging

Track transaction history and balances for audit, compliance, or reporting purposes.

1

BANK BRI

002

BRINIDJA

✅

✅

✅

2

BANK MANDIRI

008

BMRIIDJA

✅

✅

✅

3

BANK BNI 46

009

BNINIDJA

✅

✅

✅

4

BANK DANAMON

011

BDINIDJA

✅

✅

✅

5

BANK DANAMON UUS (SYARIAH)

011SY

SYBDIDJ1

❌

✅

✅

6

BANK PERMATA

013

BBBAIDJA

✅

✅

✅

7

BANK PERMATA UUS (SYARIAH)

013SY

SYBBIDJ1

❌

✅

✅

8

BANK BCA

014

CENAIDJA

✅

✅

✅

9

BANK MAYBANK

016

IBBKIDJA

✅

✅

✅

10

BANK MAYBANK UUS (SYARIAH)

016SY

SYBKIDJ1

❌

✅

✅

11

BANK PANIN

019

PINBIDJA

✅

✅

✅

12

BANK CIMB NIAGA

022

BNIAIDJA

✅

✅

✅

13

BANK CIMB NIAGA UUS (SYARIAH)

022SY

SYNAIDJ1

❌

✅

✅

14

BANK UOB INDONESIA

023

BBIJIDJA

✅

✅

✅

15

BANK OCBC NISP

028

NISPIDJA

✅

✅

✅

16

BANK OCBS NISP UUS (SYARIAH)

028SY

SYONIDJ1

❌

✅

✅

17

CITIBANK

031

CITIIDJX

✅

✅

✅

18

JPMORGAN BANK

032

CHASIDJX

❌

✅

✅

19

BANK OF AMERICA NA

033

BOFAID2X

❌

✅

✅

20

BANK CCB INDONESIA

036

MCORIDJA

✅

✅

✅

21

BANK ARTHA GRAHA

037

ARTGIDJA

✅

✅

✅

22

MUFG BANK

042

BOTKIDJX

✅

✅

✅

23

BANK DBS INDONESIA

046

DBSBIDJA

✅

✅

✅

24

BANK RESONA PERDANIA

047

BPIAIDJA

❌

✅

✅

25

BANK MIZUHO INDONESIA

048

MHCCIDJA

❌

✅

✅

26

BANK STANDARD CHARTERED

050

SCBLIDJX

✅

✅

✅

27

BANK CAPITAL

054

BCIAIDJA

✅

✅

✅

28

BANK BNP PARIBAS

057

BNPAIDJA

❌

✅

✅

29

BANK ANZ INDONESIA

061

ANZBIDJX

✅

✅

✅

30

DEUTSCHE BANK

067

DEUTIDJA

❌

✅

✅

31

BANK OF CHINA HK. LTD.

069

BKCHIDJA

✅

✅

✅

32

BANK BUMI ARTA

076

BBAIIDJA

✅

✅

✅

33

BANK HSBC INDONESIA

087

HSBCIDJA

✅

✅

✅

34

BANK JTRUST INDONESIA

095

CICTIDJA

✅

✅

✅

35

BANK MAYAPADA INTERNATIONAL

097

MAYAIDJA

✅

✅

✅

36

BANK JABAR

110

PDJBIDJA

✅

✅

✅

37

BANK DKI

111

BDKIIDJ1

✅

✅

✅

38

BANK DKI UUS (SYARIAH)

111SY

SYDKIDJ1

❌

✅

✅

39

BANK BPD DIY

112

PDYKIDJ1

✅

✅

✅

40

BANK BPD DIY UUS (SYARIAH)

112SY

SYYKIDJ1

❌

✅

✅

41

BANK JATENG

113

PDJGIDJ1

✅

✅

✅

42

BANK JATENG UUS (SYARIAH)

113SY

SYJGIDJ1

❌

✅

✅

43

BANK JATIM

114

PDJTIDJ1

✅

✅

✅

44

BANK JATIM UUS (SYARIAH)

114SY

SYJTIDJ1

❌

✅

✅

45

BPD JAMBI

115

PDJMIDJ1

✅

✅

✅

46

BPD JAMBI UUS (SYARIAH)

115SY

SYJMIDJ1

❌

✅

✅

47

BANK ACEH

116

SYACIDJ1

✅

✅

✅

48

BANK SUMUT

117

PDSUIDJ1

✅

✅

✅

49

BANK SUMUT UUS (SYARIAH)

117SY

SYSUIDJ1

❌

✅

✅

50

BPD SUMATERA BARAT/BANK NAGARI

118

PDSBIDJ1

✅

✅

✅

51

BANK NAGARI UUS (SYARIAH)

118SY

SYSBIDJ1

❌

✅

✅

52

BANK RIAU

119

PDRIIDJA

✅

✅

✅

53

BPD SUMSEL BABEL

120

BSSPIDSP

✅

✅

✅

54

BPD SUMSEL BABEL UUS (SYARIAH)

120SY

SYSSIDJ1

❌

✅

✅

55

BANK LAMPUNG

121

PDLPIDJ1

✅

✅

✅

56

BPD KALSEL

122

PDKSIDJ1

✅

✅

✅

57

BPD KALSEL UUS (SYARIAH)

122SY

SYKSIDJ1

❌

✅

✅

58

BPD KALBAR

123

PDKBIDJ1

✅

✅

✅

59

BPD KALBAR UUS (SYARIAH)

123SY

SYKBIDJ1

❌

✅

✅

60

BPD KALTIMTARA

124

PDKTIDJ1

✅

✅

✅

61

BPD KALTIMTARA UUS (SYARIAH)

124SY

SYKTIDJ1

❌

✅

✅

62

BPD KALTENG

125

PDKGIDJ1

✅

✅

✅

63

BANK SULSELBAR

126

PDWSIDJA

✅

✅

✅

64

BANK SULSELBAR UUS (SYARIAH)

126SY

SYWSIDJ1

❌

✅

✅

65

BANK SULUTGO

127

PDWUIDJ1

✅

✅

✅

66

BANK NTB

128

PDNBIDJ1

✅

✅

✅

67

BPD BALI

129

ABALIDBS

✅

✅

✅

68

BANK NTT

130

PDNTIDJA

✅

✅

✅

69

BPD MALUKU

131

PDMLIDJ1

✅

✅

✅

70

BPD PAPUA

132

PDIJIDJ1

✅

✅

✅

71

BPD BENGKULU

133

PDBKIDJ1

✅

✅

✅

72

BPD SULTENG

134

PDWGIDJ1

✅

✅

✅

73

BPD SULTRA

135

PDWRIDJ1

✅

✅

✅

74

BPD BANTEN

137

PDBBIDJ1

✅

✅

✅

75

BANK OF INDIA INDONESIA

146

BKIDIDJA

✅

❌

✅

76

BANK MUAMALAT INDONESIA

147

MUABIDJA

✅

✅

✅

77

BANK MESTIKA DHARMA

151

MEDHIDS1

✅

✅

✅

78

BANK SHINHAN INDONESIA

152

MEEKIDJ1

✅

✅

✅

79

BANK SINARMAS

153

SBJKIDJA

✅

✅

✅

80

BANK NANO SYARIAH

153SY

NANOIDJ1

❌

✅

✅

81

BANK MASPION INDONESIA

157

MASDIDJ1

✅

✅

✅

82

BANK GANESHA

161

GNESIDJA

✅

✅

✅

83

BANK ICBC

164

ICBKIDJA

✅

✅

✅

84

BANK QNB INDONESIA

167

AWANIDJA

✅

✅

✅

85

BANK BTN

200

BTANIDJA

✅

✅

✅

86

BANK BTN UUS (SYARIAH)

200SY

SYBTIDJ1

❌

✅

✅

87

BANK WOORI SAUDARA

212

BSDRIDJA

✅

✅

✅

88

BANK SMBC INDONESIA

213

SUNIIDJA

✅

✅

✅

89

BANK VICTORIA SYARIAH

405

SWAGIDJ1

✅

❌

✅

90

BANK JABAR BANTEN SYARIAH

425

SYJBIDJ1

✅

✅

✅

91

BANK MEGA

426

MEGAIDJA

✅

✅

✅

92

BANK KB BUKOPIN

441

BBUKIDJA

✅

✅

✅

93

BANK BSI (BANK SYARIAH INDONESIA)

451

BSMDIDJA

✅

✅

✅

94

KROM BANK

459

BUSTIDJ1

❌

✅

✅

95

BANK JASA JAKARTA

472

JSABDJI1

✅

✅

✅

96

BANK KEB HANA

484

HNBNIDJA

✅

✅

✅

97

BANK MNC INTERNATIONAL

485

BUMIIDJA

✅

✅

✅

98

BANK NEO COMMERCE

490

YUDBIDJ1

✅

✅

✅

99

BANK RAYA INDONESIA

494

AGTBIDJA

✅

✅

✅

100

BANK SBI INDONESIA

498

IDMOIDJ1

✅

✅

✅

101

BANK DIGITAL BCA

501

BBLUIDJA

✅

✅

✅

102

BANK NATIONAL NOBU

503

LFIBIDJ1

✅

✅

✅

103

BANK MEGA SYARIAH

506

BUTGIDJ1

✅

✅

✅

104

BANK INA PERDANA

513

IAPTIDJA

❌

✅

✅

105

BANK PANIN DUBAI SYARIAH

517

ARFAIDJ1

✅

✅

✅

106

BANK PRIMA MASTER

520

PMASIDJ1

✅

✅

✅

107

BANK BUKOPIN SYARIAH

521

SDOBIDJ1

✅

✅

✅

108

BANK SAHABAT SAMPOERNA

523

SAHMIDJA

✅

✅

✅

109

BANK OKE INDONESIA

526

LMANIDJ1

✅

✅

✅

110

BANK AMAR

531

LOMAIDJ1

❌

✅

✅

111

BANK SEABANK INDONESIA

535

SSPIIDJA

✅

✅

✅

112

BANK BCA SYARIAH

536

SYCAIDJ1

✅

✅

✅

113

BANK JAGO

542

JAGBIDJA

✅

✅

✅

114

BANK BTPN SYARIAH

547

PUBAIDJ1

✅

✅

✅

115

BANK MULTI ARTA SENTOSA

548

BMSEIDJA

✅

✅

✅

116

BANK HIBANK INDONESIA

553

MAYOIDJA

✅

✅

✅

117

BANK INDEX

555

BIDXIDJA

✅

✅

✅

118

SUPERBANK INDONESIA

562

FAMAIDJ1

✅

✅

✅

119

BANK MANDIRI TASPEN

564

SIHBIDJ1

✅

✅

✅

120

BANK VICTORIA INTERNATIONAL

566

VICTIDJ1

✅

✅

✅

121

BANK ALLO

567

ALOBIDJA

✅

✅

✅

122

BANK IBK INDONESIA

945

IBKOIDJA

✅

✅

✅

123

BANK ALADIN SYARIAH

947

NETBIDJA

✅

✅

✅

124

BANK CTBC INDONESIA

949

CTCBIDJA

✅

✅

✅

125

BANK COMMONWEALTH

950

BICNIDJA

✅

✅

✅

126

PT. BANK JAGO SYARIAH

542SY

SYATIDJ1

✅

✅

✅

Easy Access to Cash Withdrawal

Cash Out provides users with unparalleled accessibility to cash withdrawal services through a vast network of convenience stores. It removes the hassle of locating ATMs or bank branches, offering a reliable alternative for immediate cash needs.

Supported Convenience Stores

Users can withdraw cash at over 22,000+ Indomaret stores nationwide, greatly expanding access to convenient cash withdrawal points.

Empowering Unbanked Users

Designed for Indonesians in rural areas with limited banking infrastructure, Cash Out enables cash withdrawals at over 20,000+ convenience store locations, reaching underserved communities.

Instant Cash Disbursement

Upon transaction completion, users receive cash immediately, with a receipt provided for record-keeping. This feature is ideal for urgent situations requiring quick access to physical currency.

Enhanced Security Measures

The service includes token-based authentication and secure data transmission, ensuring user transactions and personal information remain confidential and protected.

Account Settings
Account Verification
Top-Up and Withdrawal
Online Transactions and Purchases
How to unlock a locked DOKU e-Wallet account?

Travel & Hospitality

For Accepting Payments

  1. Payment Link

    • Partial Payments. This feature allows customers to make partial payments to their invoices provided that the company allows it. This will help to increase the success rate of the transactions as customers are given flexibility to make installments to their payments.

    • Multiple Payments. By using Multipe Payments, customers can use the same link to make payments multiple times. This will make it more convenient for the customers to make payments as the payment link does not change.

  2. e-Katalog

    • You can easily list all your products and services such as reserving and booking airline tickets, hotel and car services.

For Accepting Payments

  1. DOKU Checkout

    • For easier integration, we recommend to use DOKU Checkout.

  2. Direct API

    • For more customizable integration, we recommend to use Direct API.

Logistics

For Accepting Payments

  1. Payment Link

    • Multiple Payments. By using Multipe Payments, students can use the same link to make payments multiple times. This will make it more convenient for the students to make payments as the payment link does not change.

    • Payment Link Bot. Enable payments on delivery for customers with Payment Link Bot. Couriers can generate payment links via WhatsApp bot and charge the customers before handing the package to the customers.

For Accepting Payments

  1. DOKU Checkout

    • For easier integration, we recommend to use DOKU Checkout.

  2. Direct API

    • For more customizable integration, we recommend to use Direct API.

Food & Beverages

For Accepting Payments

  1. Payment Link

    • Multiple Payments. By using Multipe Payments, customers can use the same link to make payments multiple times. This will make it more convenient for the customers to make payments as the payment link does not change.

  2. e-Katalog

    • You can easily list all your food and beverage products where your customers can select the product that they would like to purchase.

  3. QRIS Static

    • Static QR codes contain fixed information, and the content remains the same for every transaction. Static QR codes are generally easier to generate and manage, as the information encoded in the code remains constant.

For Accepting Payments

  1. DOKU Checkout

    • For easier integration, we recommend to use DOKU Checkout.

  2. Direct API

    • For more customizable integration, we recommend to use Direct API.

Retail

For Accepting Payments

  1. e-Katalog

    • You can easily list all your products, both digital and non-digital such as shirt, devices, electronic vouchers, e-book, etc.

For Accepting Payments

  1. DOKU Checkout

    • For easier integration, we recommend to use DOKU Checkout.

  2. Direct API

    • For more customizable integration, we recommend to use Direct API.

Education

For Accepting Payments

  1. Payment Link

    • Partial Payments. This feature allows students to make partial payments to their school bills provided that the school allows it. This will help to increase the success rate of the transactions as students are given flexibility to make installments to their payments.

    • Multiple Payments. By using Multipe Payments, students can use the same link to make payments multiple times. This will make it more convenient for the students to make payments as the payment link does not change.

For Accepting Payments

  1. DOKU Checkout

    • For easier integration, we recommend to use DOKU Checkout.

  2. Direct API

    • For more customizable integration, we recommend to use Direct API.

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Glossary

Complete list of terms used in DOKU Docs

A.

Aggregator Settlement Aggregator Settlement refers to a settlement type where transaction funds that are received by the bank or payment channel are settled by DOKU to merchant. The settlement period for Aggregator Settlement follows the settlement schedule by DOKU. Aggregator Settlement allows DOKU to charge by deducting fees from the settlement.


B.

Bank Transfer Bank Transfer is a payment method provided by DOKU that facilitates payment by enabling customers to transfer funds directly from their bank accounts to a virtual account. This payment can be done via a mobile banking app, web banking, or an ATM.

BIN (Bank Identification Number) BIN is a unique identifier generated by the bank or payment channel that is assigned to merchants. This ID is usually used for payment methods such as Bank Transfer and Convenience Store.

Brand ID Brand ID or Client ID is an identification number for your brand account. Client ID is used for authentication purposes in the context of technical integration and reporting an issue to DOKU Care.

Business Account Business ID is a distinctive identifier assigned to the company account of the merchant. One business account may have more than one brand account.

Business ID Brand ID or Client ID is a distinctive identifier assigned to the company account of the merchant.


C.

Callback URL Callback URL is a web address specified by merchants to receive notifications and updates about transaction statuses. In the context of the payment service provider, it is utilized to inform merchants about successful payments, chargebacks, and other relevant events.

Cash Out Cash Out refers to the capability provided by the payment service provider for users to convert their electronic funds into physical currency. This feature enhances flexibility for users who prefer or require cash transactions.

Chargeback Chargeback occurs when a customer disputes a transaction and the funds are returned to the customer. The payment service provider manages the chargeback process, ensuring fairness and resolution between merchants and customers.

Client ID Client ID or Brand ID is an identification number for your brand account. Client ID is used for authentication purposes in the context of technical integration and reporting an issue to DOKU Care.


D.

Direct API Direct API is an integration method provided by DOKU, where it allows merchants to create customized payment flows and integrate them directly into their websites while adhering to security and compliance standards.

Direct Settlement Direct Settlement refers to a settlement type where transaction funds that are received by the bank or payment channel are settled directly to the merchant. This expedites the settlement process for merchants.

DIPC (Direct Inquiry Payment Code) DIPC is a method of generating a payment code where merchants first register the payment code, and DOKU will forward the inquiry request to merchants when a customer chooses to make a payment. This is suitable for a top-up payment, especially for static Virtual Account.

DGPC (DOKU Generated Payment Code) DGPC is a method of generating a payment code where merchants send a payment request to DOKU, and DOKU will create the unique payment code and send back it to merchants. This is suitable for an e-commerce business model.

DOKU e-Wallet DOKU e-Wallet is a digital wallet provided by DOKU, allowing users to store funds and make electronic transactions securely.

DOKU Care DOKU Care refers to the customer support and assistance services provided by DOKU to address user inquiries, issues, and concerns.

DOKU Checkout DOKU Checkout is an integration method provided by DOKU where the checkout page is hosted by DOKU, and merchants are not required to have their own checkout page.

Domestic Payouts Domestic Payouts is a service provided by DOKU that involves the distribution of funds within the same country, enhancing the efficiency of financial transactions for merchants.


E.

e-Katalog e-Katalog is a product provided by DOKU that allows merchants to create an online catalog that showcases a comprehensive overview of their products or services available for purchase.

e-Wallet e-Wallet is is a payment method provided by DOKU that allows payment acceptance by deducting balance of Indonesian electronic wallets.

Embedded Wallet Embedded Wallet is a product provided by DOKU where a wallet is integrated directly into a platform or application, offering users a seamless and unified payment experience.


G.

Global Payouts Global Payouts is a service provided by DOKU that enables distribution of funds across international borders, catering to the needs of businesses and merchants with a global presence.


J.

Juragan DOKU 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.


K.

KKI (Kartu Kredit Indonesia) Kartu Kredit Indonesia a payment method provided by DOKU that enabling customers to accept payments with GPN cards.


M.

MID (Merchant ID) Merchant ID is a unique identifier generated by the bank or payment channel that is assigned to merchants. It facilitates the tracking and management of transactions associated with specific merchants. This ID is usually used for payment methods such as Cards, Direct Debit, e-Wallets, and PayLater.

MGPC (Merchant Generated Payment Code) MGPC is a method of generating a payment code where merchants can generate their own payment code and forwards the payment code to DOKU. This is suitable for a top-up payment.

Multi-brand Multi-brand is a feature provided by DOKU that allows merchants to have multiple brand accounts in one business account.


N.

Notification URL Notification URL is a web address designated to receive real-time notifications about transaction events, enabling merchants to stay informed about payment activities.


P.

PayLater PayLater is a payment method provided by DOKU that allows customers to complete their purchase without having to pay immediately; they are typically given a certain period of time, often interest-free, to settle the payment via a third-party financing company.

Payment Link Payment Link is a unique URL generated by the payment service provider, enabling users to make payments by clicking on the link. It is often used for online invoices and transactions.

Payment Method/Payment Channel Payment Method or Payment Channel refers to the route through which a customer can make a payment such as Virtual Account BCA, OVO, and Akulaku.

Payment Type Payment Type refers to the various ways users can make payments such as e-Wallets, PayLater, and Convenience Store.

Promo Engine Promo Engine is a system that manages and applies promotional offers and discounts within the payment service provider's platform.


Q.

QRIS QRIS (Quick Response Code Indonesian Standard) is a payment method provided by DOKU that enabling customers to scan a QR code to make payments via mobile banking apps and e-Wallets.


S.

Sandbox (DOKU Sandbox) A Sandbox is a testing environment provided by DOKU for developers to experiment and ensure the functionality of their applications or integrations in a controlled setting.

Secret Key Secret Key is a confidential code that is used for technical integration with DOKU APIs.

Settlement Settlement is a process where the payment gateway (DOKU) transfers the funds that were received for transactions that have been processed by the merchant during a certain period of time. The settlement period varies for every payment method as well as the settlement scheme (aggregator or direct).

SNAP (Standar Nasional Open API Pembayaran) SNAP is the National Open API Payment Standard established by Bank Indonesia to create a healthy, competitive and innovative payment system industry; encouraging integration, interconnection, interoperability, as well as security and reliability of payment system infrastructure; and/or improve healthy, efficient and fair market practices in the implementation of the payment system.


U.

User Account A User Account is a personal account that is created by individuals within one Business Account. One business account may have more than one user account.


V.

Virtual Account Close Amount Virtual Account Close Amount only allows payment of an amount that has already been set by the merchant. It is usually used used in e-commerce payments, where they can easily identify when the full payment has been made as the transactions are only completed when the exact amount is transferred into the virtual account for that particular transaction.

Virtual Account Dynamic Virtual Account Dynamic is a type of Virtual Account where the virtual account number is randomly assigned. This is typically used for one off payments on e-commerce sites.

Virtual Account Open Amount Virtual Account Open Amount allows the payment to be received with any amount and is set by the user immediately. It is usually used for top-up cases.

Virtual Account Static Virtual Account Static is a type of Virtual Account where the virtual account number is uniquely defined for each user. The virtual account number generally uses the user’s mobile phone number as a fixed virtual account number that makes multiple top-ups easier.

Virtual Terminal Virtual Terminal is a web-based interface provided by DOKU, allowing merchants to manually enter and process credit card transactions without the need for physical card terminals. Virtual terminals are commonly used for phone orders, mail orders, or in situations where a card is not present for swiping or tapping.


General FAQs

Online Transactions and Purchases

FAQ

How can I make online payments using DOKU e-Wallet?
  1. Select DOKU e-Wallet when proceeding with the transaction payment

  2. Enter your DOKU ID and PIN

  3. If you enter the correct PIN, the payment will be processed. You have a maximum of three attempts to enter the correct PIN

My online transaction failed, but the my DOKU e-Wallet balance was deducted. What should I do?

You may report this issue to care@doku.com and provide the following information:

  • Merchant Name

  • DOKU ID

  • Invoice Number

  • Transaction Date

  • Transaction Amount

Licenses

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.


PCI-DSS

PT Nusa Satu Inti Artha (dba “DOKU”) holds PCI-DSS (Payment Card Industry Data Security Standard) Level 1 Service Provider, an information security standard to manage branded credit cards from the major card schemes (Visa, Mastercard, American Express, Discover, and JCB). To process credit card transactions safely and securely on a global scale, DOKU has achieved PCI-DSS certification, demonstrating that it complies with 300+ security measures and guidelines established by the PCI Standards Council.

SNAP Migration

Standar Nasional Open API Pembayaran (SNAP) on DOKU

Overview

SNAP is the National Open API Payment Standard established by Bank Indonesia to boost integration, interconnection and interoperability, as well as security and reliability of digital payment system infrastructure in Indonesia. The SNAP provisions are stated in the "Decree Letter of the Governor of Bank Indonesia No.23/10/KEP.GBI/2021 dated August 16, 2021, regarding Determination of Payment Open Application Programming Interface (API) Standards," which will be mandatory implemented in stages for each of Open Payment API.

The following are the mandatory payment methods to complete SNAP migration:

SNAP Migration Methods

The following are things that are standardized in the SNAP migration process:

  • Technical, security and data documents that will be standardizing communication protocols, API architecture types, amount structures and formats, authentication methods, authorization methods, encryption methods, API access management requirements, request data structures, and response data structures.

  • SNAP governance guidance document that will be standardizing consumer protection guidelines, data protection, prudential requirements for Service Providers and Service Users, and contracts.

Based on BI regulations, the SNAP migration process must be implemented before June 30, 2025. So, please make sure that you have migrated to SNAP before this given deadline. DOKU Integration team will assist you during the migration process.

Benefits of using SNAP SDK for your migration:

  • Faster integration: Complete the integration process within two weeks.

    • The library abstracts much of the API complexity, making the integration process straightforward and reducing development time.

    • Features like automatic token management and data parsing minimize the need for custom code, streamlining the implementation.

    • Existing users can upgrade with only a few lines of additional code, as the library handles critical tasks automatically.

  • Practical guidelines: Detailed documentation and practical examples make it easy for developers to implement and troubleshoot the integration.

  • Auto-update Library: The library is updated regularly to meet the latest standards and regulations, ensuring ongoing security and compliance. This will make the integration process accessible, even for non-technical team members.

Benefits of using API for your migration:

  • Flexibility in Programming Languages: APIs are generally not tied to any specific programming language. Developers can use APIs with various supported programming languages, offering greater flexibility in development.

  • Lightweight and Space-Efficient: APIs are usually lighter than SDKs as there is no need to download or install a complete package of libraries or tools that an SDK might require. This makes APIs more space-efficient and quicker to implement.

  • Consistency and Standards: APIs often follow specific standards (such as REST or GraphQL) which make them easier to understand and use for developers already familiar with those standards.

  • Ease of Maintenance: APIs are usually managed by the service provider, meaning updates and maintenance are handled on the server side. API users do not need to worry about managing updates or version compatibility, as the API provider handles this.


SNAP Migration Steps

Follow these simple steps to ensure a smooth transition:

1) Request SNAP Migration

2) Register to ASPI Portal

3) Integration and Testing in The DOKU Sandbox

4) Submit Testing Results to DOKU

Once testing is complete, share the testing result documents with DOKU for ASPI verification.

5) Business Consultant will Inform ASPI Verification Result

The ASPI verification process might take 10 – 15 working days to complete. Please wait comfortably, and look forward to our business consultant's progress status update.

Inquiry Form

Get our full support to implement new payment security and compliance standard.


FAQ

How long does it take to migrate to SNAP?

The development and integration process duration will be subject to the merchant's capabilities.

What documents are mandatory for ASPI verification?

The documents that need to be prepared are the Devsite Test Document on the SNAP portal and the Functional Test Results Document when conducting tests on the DOKU Server.

How long does the ASPI verification process take?

The verification process takes approximately 10 working days after ASPI receives complete documents.

Can it be live in Production even though the ASPI verification process has not been completed?

Yes, as long as the merchant's documents are complete.

When is the deadline for SNAP migration?

Following Bank Indonesia regulations, the migration process to SNAP must be carried out before June 30, 2025.

Why should merchants migrate to SNAP?

SNAP integration can boost integration, interconnection, and provider interoperability in Indonesia's payment system. With SNAP, the payment system development and integration process can be executed faster. In addition, having technical and security standard documents regulated and supervised by ASPI will protect merchant payment systems.

Development of the latest version from the Bank will be implemented directly into the SNAP version, and no development will be carried out in the old version.

Is there any other option aside from SNAP migration?

Merchant can use the DOKU Checkout service as an alternative if they do not want to do SNAP migration.

What are the benefits of migrating to SNAP via DOKU?

Merchants will get technical and administrative support during the SNAP migration process, allowing the service to continue running smoothly

What happens if a merchant does not perform SNAP migration?

When the migration can not be delivered according to the given deadline, the merchant will be subject to a fine or might experience a service termination.

Become a Partner

Partner Types

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

Affiliate Partners are individuals or businesses that promote DOKU's services and refer customers to DOKU in exchange for a commission. These partners do not directly handle transactions but play a crucial role in driving customer acquisition.

Example: Sarah, a popular tech blogger, becomes an Affiliate Partner with DOKU. She writes articles and creates content promoting DOKU's payment solutions on her blog. When readers use the affiliate link provided by Sarah to sign up with DOKU and make transactions, Sarah earns a commission based on the referred business.

Reseller Partners are businesses or individuals who refer and/or integrate DOKU for their clients. Unlike Platform Partners, Reseller Partners are typically not involved in managing transactions on behalf of their clients.

Example: XYZ Web Development Agency becomes a Reseller Partner with DOKU. They integrate DOKU's payment solutions into the e-commerce websites they build for their clients. When a client's customer makes a purchase using DOKU's payment gateway on the website, the client manages their own transactions, while XYZ Web Development Agency earns a commission for the referral and integration services.

Platform Partners are businesses or platforms that integrate DOKU's services to manage transactions on behalf of their clients. They have more involvement in the transaction process, offering a seamless experience for end-users within their own platforms.

Example:

  1. NusaSatuPay, a payment solutions platform, partners with DOKU to streamline payment processing for e-commerce businesses. Through seamless integration, NusaSatuPay empowers merchants to accept payments and manage transactions securely. Leveraging DOKU's expertise, NusaSatuPay ensures a robust payment infrastructure, allowing businesses to focus on growth.

  2. IndoCommerce, an omnichannel commerce platform, integrates DOKU's payment solutions for a seamless e-commerce experience. Businesses on IndoCommerce can effortlessly manage transactions across online stores, mobile apps, and physical locations. Leveraging DOKU's payment processing, IndoCommerce ensures a unified checkout for customers, enhancing its omnichannel capabilities and providing businesses with an efficient payment experience.

Contact Support

Contact Support Channels

  1. Call-in Support, Monday-Friday, 08.00-17.00 (GMT+7). Call us using the following phone number 1500963.


General FAQs

Are there any restrictions on the types of businesses that can use DOKU?

DOKU does not allow merchants whose products or services contain following content:

  1. Adult content/pornography

  2. Recreational drugs

  3. Weaponry

  4. Gambling/betting

  5. Trade of endangered species

  6. Products that violate copyright, trademark or other intellectual property rights

Can individual/personal businesses accept payment with DOKU?

We welcome individuals or personal businesses without a legal entity to accept payments with DOKU. The following are the requirements for individual or personal businesses:

  1. Identity Card (KTP/KITAS/Passport)

  2. Self Photo with Identity Card

  3. Business Proof Photo (Location/Activity/Product)

How long does it take to process a transaction?

All transactions are processed instantly, and you can monitor these transactions on a real-time basis using the DOKU Dashboard.

When will I receive the money from my transactions?

The settlement period varies for every payment method and the settlement scheme (aggregator or direct). If your payment method uses the direct settlement scheme, the settlement period will be based on your agreement with the bank or payment channel.

Is VAT applied to the transaction fee?

In Indonesia, the value-added tax, also known as PPN (Pajak Pertambahan Nilai), is set at a rate of 11% on top of the fees incurred to process the transaction.

DOKU is a PSP company that is obliged to pay tax to the Indonesian Government. DOKU will send a Tax Invoice (Faktur Pajak) for every issued invoice. Tax Invoice is proof that DOKU has charged VAT to Merchants. Therefore, Merchants do not need to pay the Tax Invoice as it is included in the Invoice.

Can DOKU help me to reconcile my transactions?

Yes, we provide a dashboard where you can export a transaction report or settlement report to reconcile any transaction that you have processed with DOKU.

Can DOKU provide loan for my business?

Yes, 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.

I need assistance from an account manager. What should I do?
Does DOKU support overseas transactions?

Yes, DOKU supports overseas transactions. Businesses can accept payments from international credit cards, including Visa, Mastercard, JCB, and AMEX.

Can DOKU accept payments in currencies other than IDR?

No, DOKU currently accepts payments only in Indonesian Rupiah (IDR). While all transactions are processed in IDR, fund settlements can be arranged in other currencies if needed.

Can DOKU settle funds in other currencies besides IDR?

Please note that settlement in other currencies besides IDR will not follow the regular settlement schedule.

What is the conversion rate for settlement in non-IDR transactions?

The fund settlement conversion rate for non-IDR transactions depends on the bank's exchange rate or any specific agreements you may have with DOKU.

I want to stop using DOKU services. How do I remove my data from DOKU?

Your DOKU Business Account data cannot be removed due to compliance requirements, however we would like to advise you on the following things:

  1. DOKU will not charge any recurring fees; as we only charge per successful transaction.

  2. If you have generated an API key from our dashboard, you may remove it at any time.

  3. You may delete your User Account to officially stop using DOKU services. Visit the page below for instructions.

If your questions cannot be found here, please visit for further information.

Source: , 2025.

Need assistance for SNAP Migration? Please fill out the following

Bank Transfer (Virtual Account)
Direct Debit
e-Wallet

As a licensed Payment Service Provider (PJP) level 1, DOKU is committed to supporting SNAP implementation with national standards. service is affected by this migration process in particular. In line with these provisions, we advise DOKU merchants to migrate to SNAP for smoother business transactions.

Contact your DOKU account manager or , and we will contact you soon to schedule your migration timeline.

Submit your business credentials and technical resources allocated for the migration process to ASPI's (Indonesian Payment System Association) portal by clicking .

Perform integration and a series of testing processes in DOKU's sandbox environment. For any troubleshooting requests, please .

If you're interested in affiliating, reselling our services, or integrating DOKU into your platform, we provide tailored partnership opportunities to meet your business needs. Please fill and submit to embark on a mutually beneficial journey as a DOKU Partner.

Submit a to DOKU Care, Monday-Sunday, 24 Hours. We will respond to your email within 1x24 hours.

Send an email to , Monday-Sunday, 24 Hours. We will respond to your email within 1x24 hours.

I don't have a website, can I accept payments with DOKU?

If you are a freelancer, social media seller, or small-to-medium business owners that do not have a website, DOKU offers merchants the ability to accept payments from your clients/customers with our no-integration products. These products allow you to receive payments from your clients or customers easily—no website development required.

  • : Receive payments quickly and easily just by sending links to your customer.

  • : Create your own online store that is integrated with automatic shipping and payment services..

Is there a demo account for me to test payments with DOKU?

Yes, you can easily create a demo account using DOKU Sandbox—a secure and controlled environment designed for testing and exploration. It allows you to familiarize yourself with the DOKU Dashboard without any risk. With DOKU Sandbox, you can:

  • Explore the features and tools available in the OURO Dashboard

  • Simulate payments and transactions without using real funds

Visit for the step-by-step instructions on how you could create a DOKU Sandbox account:

Visit for the settlement period table for Aggregator Settlement scheme based on each payment method and payment channel.

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

Please fill the following and our sales representative will contact you in a maximum of 1x24 hours.

As an Indonesian Payment Service Provider company with a , DOKU supports settlement of funds in IDR, USD, SGD, and MYR.

DOKU Help Center

  • Virtual Account BCA

  • Virtual Account BRI

  • Virtual Account BNI

  • Virtual Account Mandiri

  • Virtual Account CIMB

  • Virtual Account BTN

  • Virtual Account BSI

  • Virtual Account Maybank

  • Virtual Account Danamon

  • Virtual Account Sinarmas

  • Virtual Account BNC

  • Virtual Account DOKU

  • BRI

  • CIMB Niaga

  • Allo Bank

  • OVO

  • DOKU e-Wallet

Payment Link
e-Katalog
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How to delete my User Account?
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DIRECT API
1) Migrate using SNAP SDK
2) Migrate using API
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You can set up a promo by importing a file using the provided template
Note: Only Cards and DOKU e-Wallet are currently available
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Payment Link

Create a link that you can use to collect payments from your customers

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e-Katalog

Create an online catalog to showcase your products

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QRIS

Create a static or dynamic QR code to easily collect payments

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PayChat

An end-to-end service system for purchasing/paying for goods or services via WhatsApp (WA)

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Dynamic QRIS

Create a randomly generated QR Code that is unique for your customers

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Static QRIS

Create your personal QR Code, print it as a sticker, and paste it on your store

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DOKU Checkout

Customizable DOKU-hosted checkout page that can be embed in your website

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Direct API

Use your own custom payment page with your own branding with Direct API integration

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e-Commerce and Plugins

Set up your online business through third-party platforms or plugins

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SDKs and Libraries

Minimize effort of integration with libraries containing various popular programming languages and development kits

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Kartu Kredit Indonesia

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Bank Transfer (Virtual Account)

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Cards

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e-Wallet

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QR Payment

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Convenience Store

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PayLater

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Direct Debit

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Digital Banking

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Internet Banking

Payment Settings on Shopify Admin Dashboard
Shopify Checkout Page
Standar Nasional Open API Pembayaran (SNAP) - Image Source
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Payment Link

Create a link that you can use to collect payments

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e-Katalog

Create an online catalog to showcase your products

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QRIS

Create a static or dynamic QR code to collect payments

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PayChat

An end-to-end service system for purchasing/paying for goods or services via WhatsApp (WA)

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DOKU Checkout

Customizable DOKU-hosted checkout page that can be embed on your website

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Direct API

Integrate payment methods using your own custom payment page and branding

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e-Commerce and Plugins

Set up your online business through third-party platforms or plugins

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SDKs and Libraries

Minimize effort of integration with libraries containing various popular programming languages and development kits

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Cash Out

Cash pickup at more than 40,000 convenience stores spread across Indonesia

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Domestic Payouts (Disbursement)

Transfer funds to any local bank account in Indonesia with minimum effort

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Wallet-as-a-Service

Elevate your app with built-in electronic wallet, minimizing development expenses

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Sub-Account Platform

Improve money flow with seamless account and balance features

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Juragan DOKU

Accept payments by generating payment links or showcasing products through a catalog via a mobile app

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DOKU e-Wallet

Make online or offline payments, pay various bills, and withdraw cash using a digital wallet

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