DOKU

DOKU Payment Gateway Overview For Merchants

DOKU is an Indonesia-based payment service provider offering payment, payout, and wallet solutions for businesses. Merchants can use DOKU to accept online and offline payments through multiple integration paths, including ready-to-use checkout pages, direct API integration, no-code payment links, and e-commerce plugins. DOKU also provides an online dashboard and supporting tools designed to help merchants monitor transactions, manage operations, and run day-to-day payment activities.

What Is DOKU

DOKU (PT Nusa Satu Inti Artha) was established in 2007 as an Indonesian-owned electronic payment solutions provider (payment gateway) focused on local payment needs. DOKU positions its offering for businesses of different sizes, including SMEs and enterprises, with options ranging from quick setup products to deeper API-driven integrations.

DOKU Payment Acceptance Products

Payment Gateway Core

DOKU’s payment gateway positioning emphasizes both online and offline acceptance. The payment gateway product family includes options intended for merchants that want to collect funds through links, QR payments, or a lightweight storefront, in addition to traditional web and app checkout integrations.

DOKU Checkout For Web And App Payments

DOKU Checkout provides ready-to-use checkout pages integrated with the payment gateway. It is designed for merchants who want to go live without building their own payment page. Key characteristics include:

• Flexible usage modes, including redirection to a secure checkout page and a pop-up payment window option.

• Cross-platform compatibility described for web, mobile apps, and API-based flows.

• Customization options such as logo, brand colors, and brand name.

• Multi-language support for localization.

• Payment method controls, including showing, hiding, or reordering available methods.

• Promo code support.

• Google Analytics integration to track checkout performance.

• Tokenization features intended to support faster checkout experiences and recurring payments with one-click flows.

Direct API For Full Control

DOKU Direct API is positioned for merchants that want greater control of the payment experience. DOKU describes Direct API as enabling merchants to fully customize the payment page and payment flow, while Checkout is framed as the faster, ready-to-use alternative.

For card processing, DOKU’s host-to-host guidance includes optional 3D Secure flows (3DS) and describes tokenization as an approach to reduce exposure of sensitive card data in merchant systems.

No-Integration Options For Fast Collection

DOKU offers several products designed to accept payments without traditional website or app integration:

• Payment Link: Merchants can create and share payment links through channels like email, SMS, social media, or chat apps. Payment links can be created via the DOKU dashboard or via API, and DOKU describes adding brand color and logo to the payment link experience. DOKU also describes multi-platform creation options, including web dashboard, the Juragan DOKU mobile app, WhatsApp bot, and API.

• Digital Catalog (e-Katalog): A lightweight catalog experience intended to showcase products, share via link or QR, receive payments, and manage orders

• PayChat: A WhatsApp-based flow where customers can order and pay inside WhatsApp through a customizable bot. DOKU describes publishing a QR code that can be placed online, on packaging, or at a store to direct customers into the PayChat flow.

• Virtual Terminal: A web-based feature allowing businesses to accept card payments over the phone, through email invoices, or in person without a physical card reader or a traditional POS terminal.

QRIS QR Payments

DOKU offers QRIS products for QR payments. DOKU describes QRIS as scan-to-pay and positions it for acceptance from various e-wallet and mobile banking applications, with automatic recording of payments to reduce manual handling risk.

E-Commerce Plugins

For merchants on popular commerce platforms, DOKU provides a plug-in path described as “no coding needed.” DOKU specifically references enabling payments on platforms including:

• Shopify

• WooCommerce

• Magento (Adobe Commerce)

Transactions are recorded in the DOKU dashboard and the transaction status in the e-commerce platform can be automatically updated via a notification URL.

Supported Payment Methods And Schemes

DOKU presents broad method coverage (for example, “45+ payment options” on its pricing and plugin pages):

• Cards: Visa, JCB, American Express are shown, with installment options noted for Visa and Mastercard tenors.

• Bank Transfer (Virtual Account): Virtual account transfers are listed as a supported method category.

• QR Payments: QRIS is listed with a percentage fee.

• Digital Wallets: DOKU e-Wallet, Dana, OVO, ShopeePay, LinkAja are shown with method-specific fee ranges.

• Cash Context Options: Minimarket payment methods are listed (including Alfa Group and Indomaret), aligning with cash payment experiences handled via retail outlets.

• Buy Now, Pay Later: PayLater options shown include Akulaku, Ceria, Indodana, and Kredivo.

• Direct Debit and Bank Digital: Both categories are listed on DOKU’s pricing page with fees.

Pricing And Fees

DOKU states a pricing model with:

• No setup fees

• No monthly fees

• Charges applied to successful transactions

• Prices excluding VAT

DOKU publishes method-based fees rather than a single blended rate. Examples shown on its pricing page include:

• Card payments: 2.80% + Rp2,000 for upfront card payments, with separate installment pricing by tenor.

• Virtual account bank transfer: Rp4,000.

• QRIS: 0.7%.

• Selected e-wallets: listed as percentage fees and fee ranges depending on the wallet.

Settlement And Currency Considerations

DOKU’s API documentation for hold and release settlement states:

• Funds are received H+1 after a release API action in that flow.

• Settlement currencies supported include IDR, SGD, and USD.

Merchants should expect settlement handling to vary by product and program, and DOKU also describes verification steps that may affect when funds are settled to a bank account.

Security, Compliance, And Risk Controls

DOKU highlights several security and compliance elements in its product and solutions pages:

• Bank Indonesia licensing as a PJP Level 1 operator for payment gateway, remittance, e-money, e-wallets, and QRIS.

• PCI DSS certification with periodic audits.

• ISO/IEC 27001 certification for information security management standards.

• AES 256 described as a security encryption standard.

• Registration references including Indonesia’s Ministry of Communication and Informatics (electronic system operator registration) and Ministry of Finance registration as an acceptance agent in an electronic state revenue system context.

• A partnership reference with Dukcapil for identity verification.

For fraud and transaction risk, DOKU positions “Fraud Detection System Support” as part of its security posture. Its documentation also describes workflows that apply to merchants using full fraud detection services and chargeback insurance, including manual verification by an internal unit when a transaction does not receive an auto-approval response.

For card authentication, DOKU documents a 3D Secure flow and provides endpoints for a “check three d secure” step as part of certain card transaction types.

Developer Tooling And Integration Support

DOKU describes its integration ecosystem as RESTful and provides both documentation and implementation tools:

• API Reference: Published on developers.doku.com.

• SDKs and Libraries: Server-side libraries for Node.js, Java, PHP, Python, and Golang, plus mobile SDKs for Android and iOS.

• Checkout Integration: DOKU positions Checkout as fast to integrate and includes a sandbox and testing options within its developer materials.

Reporting, Operations, And Merchant Support

DOKU documents the dashboard as an online management portal that can support operational workflows such as:

• Viewing real-time transaction data

• Managing payouts and refunds

• Tracking revenue

• Handling customer disputes

• Configuring payment methods

• Generating financial reports

• Setting up integrations and API keys

• Managing operations and customers

• Managing multiple brands

For support, DOKU publishes customer support channels including ticket submission availability and contact information (phone and email).

Conclusion

DOKU offers a broad merchant-facing payment acceptance stack in Indonesia, with multiple ways to go live depending on technical needs. Merchants can choose between ready-to-use checkout pages, direct API integrations, payment links, WhatsApp-based payment flows, QRIS QR payments, and e-commerce plugins for common platforms. DOKU’s published materials also emphasize method-based pricing, merchant operational tooling through the dashboard, and a security posture that includes PCI DSS and ISO/IEC 27001, plus Bank Indonesia licensing references.