DOKU

DOKU is an Indonesian payment platform for businesses that need to accept payments, send payouts, and support wallet services. It is best suited to merchants who want multiple ways to collect money alongside payment links or a lightweight online catalog. The breadth is useful, but method-based transaction fees and channel-specific payout limits deserve close attention.

Overview

Founded in 2007, DOKU serves businesses from SMEs to enterprises, including local and international businesses. One registration connects a merchant to more than 45 payment methods, and a single checkout integration lets customers change payment method without cancelling a transaction. That flexibility can help serve customers with different payment preferences, though the resulting fees vary by method.

DOKU supports recurring and marketplace payments. It states that it uses AES 256 encryption and has PCI DSS certification with periodic audits. Its Bank Indonesia PJP Level 1 licence covers payment gateway, remittance, e-money, e-wallet, and QRIS services.

Key features

Ways to sell and collect

Businesses can create payment links or digital invoices from the dashboard or Juragan DOKU app, then share them through social media, chat, or email. The digital catalog adds product details, stock and variations, checkout, shipping, and real-time order processing. These tools suit sellers who need a direct way to take orders without building their own storefront first.

Checkout and integrations

DOKU's checkout brings multiple payment methods into one integration and allows customers to switch methods mid-transaction. Its plugin supports Magento, WooCommerce, and Shopify, but carries a 0,2% platform fee on top of payment-method fees. Businesses with custom needs can use ready-made payment pages or build a fuller integration through the API; DOKU also provides a sandbox.

Payouts and account checks

Domestic Payouts Paket 1 charges Rp1.500 per successful BI Fast transfer, with transfers limited to Rp10.000–Rp250.000.000. That makes it suitable for routine payouts within the stated range, but businesses sending larger amounts need a different package. Paket 3 charges Rp35.000 per successful transfer for amounts of Rp250.000.000 and above. Bank Account Validation costs Rp500 per successful request and checks account numbers and owner names across 118+ banks and e-wallets; pay-per-invoice terms avoid an upfront deposit.

Pricing

DOKU says its services have no setup or monthly fees, and payment fees apply only to successful transactions. Prices exclude VAT. The headline rates still vary considerably by method: cards cost 2,80% + Rp2.000, QR payments 0,7%, e-wallets 1,5%–4%, and bank transfers Rp4.000–Rp4.500. Merchants should estimate costs from their actual payment mix rather than assume a single gateway rate.

• DOKU Plugin: free, plus payment-method fees and a 0,2% platform fee. It suits stores on Shopify, WooCommerce, or Magento that want a plugin-based connection; the extra platform charge is the trade-off.
• Payment Link: free, with transaction fees depending on payment method. Links can be made from the web dashboard, mobile app, or WhatsApp bot, making this a practical fit for sellers who take orders through direct conversations.
• Digital Catalog: free, with transaction fees depending on payment method. It includes an online catalog with stock and product variations, for sellers who need a basic product-and-order flow.
• Bank Account Validation: 500 IDR, paid once, billed per successful request; there is no upfront deposit and payment is per invoice.
• Domestic Payouts Paket 1: 1,500 IDR, paid once, billed per successful transfer through BI Fast for Rp10.000–Rp250.000.000, available 24/7.
• Domestic Payouts Paket 3: 35,000 IDR, paid once, billed per successful transfer of Rp250.000.000 and above, for large-scale financial transactions.
• Payment gateway: custom pricing with no setup or monthly fee; payment fees are charged only on successful transactions and vary by method.

Platforms

DOKU supports Android, iOS, web, and API access. The combination covers businesses managing sales through apps or a browser, as well as teams integrating payments into their own systems.

Who it's for

DOKU is a strong fit for Indonesian businesses that want a wide range of payment methods, recurring or marketplace payments, and optional tools for links, invoices, or catalog-based selling. Its plugins and API paths serve both merchants using established storefronts and businesses building custom payment flows. It is less compelling for merchants whose costs depend heavily on low-fee payment methods or whose payout amounts fall outside Paket 1's range; they should compare the method charges and payout package against their expected volume before committing.

Pros and cons

• Pros: One registration connects to more than 45 payment methods, and checkout lets customers switch methods without restarting.
• Pros: Free payment links and catalog tools give smaller sellers ways to collect orders without a monthly service charge.
• Pros: Plugin, ready-made page, and API options accommodate different levels of integration work.
• Cons: Payment costs vary by method, with card, e-wallet, and bank-transfer charges that can make total costs difficult to judge without a transaction mix.
• Cons: The plugin adds a 0,2% platform fee on top of payment-method fees.
• Cons: Paket 1 only covers BI Fast transfers up to Rp250.000.000, while Paket 3's per-transfer fee is Rp35.000.

Alternatives

For a broader comparison, browse Payment Gateways. Choose Mollie if its €0 per month pay-as-you-go plan and stated consumer card rates better suit your pricing needs. PayPal Invoicing is the alternative to consider when creating and sending invoices without setup or subscription fees is the priority, with transaction fees applying when customers pay. Choose Google Pay for its free online checkout, in-store tap to pay, and business API. Instamojo is another payment-link option, with a free Quick plan and a paid Smart plan at ₹4,999 a year. Cashfree Payment Gateway may suit eligible new merchants who can use its campaign offer of no gateway fees on the first ₹20L of GMV, with GST still applying. Checkout.com offers free processing for registered charities in operating countries, alongside tailored pricing. Midtrans is worth considering for its no-subscription, per-successful-transaction model. NOWPayments is an alternative for businesses seeking standard payment processing with enterprise pricing available on request; blockchain network fees are separate.

Verdict

Choose DOKU if your business needs broad payment-method coverage plus practical collection tools and integration options under one service. Its free links and catalog can serve smaller sellers, while plugins and API access extend to more involved setups. Look elsewhere if the method-specific fees or payout terms do not fit your transaction pattern, especially if you rely on the plugin's storefront connection or need transfers above Paket 1's limit.