DOKU

DOKU provides payment services that connect businesses and consumers for payment acceptance, payouts, and wallet services. One registration connects a business to more than 45 payment methods. Its checkout uses a single integration for multiple methods and lets customers change how they pay without cancelling a transaction. Businesses can create payment links or digital invoices from a dashboard or the Juragan DOKU app, then share them through social media, chat, or email. A digital catalog supports product details, checkout, shipping, and real-time order processing. DOKU offers plugins for Magento, WooCommerce, and Shopify; its listed platform fee is 0,2% in addition to payment-method fees. Developers can use ready-made payment pages or build integrations with its API reference and sandbox. DOKU says it uses AES 256 encryption and holds PCI DSS certification with periodic audits. It also states it is licensed by Bank Indonesia as a PJP Level 1 provider for payment gateway, remittance, e-money, e-wallet, and QRIS services. Founded in 2007, it is headquartered in Jakarta and serves businesses from SMEs to enterprises.

DOKU combines payment acceptance, payouts, and wallet services with tools for checkout, payment links, and product catalogs. Businesses should check method-specific fees and payout package limits against their needs.

DOKU suits businesses that need to accept varied payment methods, make payouts, or connect payment tools to an online store. It also offers options for developers and businesses ranging from SMEs to enterprises.

DOKU is a payment platform for businesses accepting customer payments, sending payouts, and offering wallet services. It suits merchants that want several ways to collect payments, from integrated checkout to shareable links and a product catalog. Its strongest case is broad payment acceptance paired with lightweight selling tools; transaction fees and payout limits need to fit the business’s flow.

Overview

Founded in 2007, DOKU serves businesses from SMEs to enterprises, including local and international merchants. One registration connects a business to more than 45 payment methods. Checkout brings multiple methods into one integration and lets customers switch methods without cancelling a transaction, a practical advantage when a merchant serves customers with different payment preferences.

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

Checkout and ways to sell

Businesses can create payment links or digital invoices from the web dashboard or Juragan DOKU app, then share them through social media, chat, or email. That gives sellers a way to collect payment without relying on a checkout embedded in their own storefront. The digital catalog adds product details, stock and variations, checkout, shipping, and real-time order processing, making it the more complete option for sellers managing products as well as payments.

Integrations, APIs, and payouts

The DOKU plugin supports Magento, WooCommerce, and Shopify. It costs 0 IDR, but adds a 0,2% platform fee on top of payment-method fees, so merchants should include that extra charge when comparing it with a direct integration. DOKU also offers ready-made payment pages or full integrations, with API documentation and a sandbox for developers who need more control.

Domestic payout pricing depends on the package and transfer amount. Paket 1 charges Rp1.500 per successful BI Fast transfer for amounts from Rp10.000 to Rp250.000.000 and operates 24/7. Paket 3 charges Rp35.000 per successful transfer for amounts above Rp250.000.000. These thresholds make the lower-fee option unsuitable for transfers outside its stated range.

Payment costs and support

DOKU says it has no setup or monthly fees across its services and charges payment fees only on successful transactions; prices exclude VAT. Payment gateway fees vary by method: cards cost 2,80% + Rp2.000, QR costs 0,7%, e-wallets cost 1,5%–4%, and bank transfers cost Rp4.000–Rp4.500. That structure can work for businesses that value transaction-based charges, but merchants should estimate costs against their actual payment mix.

DOKU advertises help through multiple communication channels and offers consumer support by phone and email. Its payment gateway plan uses custom pricing rather than a single published rate.

Pricing

DOKU combines free tools with charges for successful transactions and specific services. The free options lower the barrier to trying its selling tools, but “free” does not mean payment processing is free.

Platforms

DOKU supports Android, iOS, web, and API access. Its platform coverage suits businesses combining mobile tools with web checkout or a developer-led integration. It supports two currencies and lists one payout country, so businesses with broader currency or payout-country needs should confirm fit before choosing it.

Who it's for

DOKU is a good fit for businesses that want more than one payment method through a single checkout, or that need payment links and a digital catalog alongside payment acceptance. Its SME-to-enterprise positioning and API options also make it relevant to merchants with different levels of integration needs. It is a weaker fit for businesses whose payment mix makes the method-specific charges unattractive, whose transfers fall outside Paket 1’s range, or that need payouts across multiple countries.

Pros and cons

• Pro: More than 45 payment methods connect through one registration, and customers can switch methods during checkout without cancelling.
• Pro: Free payment links and a digital catalog provide practical selling tools beyond payment processing.
• Pro: API documentation, a sandbox, and ready-made payment pages support both quick setup and full integrations.
• Con: Payment fees vary by method, and the plugin adds a 0,2% platform fee, making cost forecasting dependent on the transaction mix.
• Con: The Rp1.500 Paket 1 payout price applies only to BI Fast transfers within Rp10.000–Rp250.000.000.
• Con: Payout coverage is limited to one country, and support for only two currencies may not suit businesses with wider international needs.

Alternatives

For a broader comparison, browse Payment Gateways.

Choose Google Pay if you want a free option for online checkout, in-store tap to pay, or the Google Pay API for businesses. Instamojo is another option for merchants focused on payment links, including an unlimited-links free plan. Mollie may suit businesses seeking pay-as-you-go pricing with no contract or commitment and published consumer-card rates. PayPal Invoicing is a free-to-use alternative for creating and sending invoices without setup or subscription fees, with transaction fees when customers pay.

Cashfree Payment Gateway, Checkout.com, Midtrans, and NOWPayments are also alternatives to consider.

Verdict

DOKU is best for businesses that want broad payment acceptance plus practical ways to collect orders without building every selling path themselves. Its single checkout integration, payment links, and catalog are the main reasons to choose it; the method-specific fees, plugin surcharge, and constrained lower-cost payout package are reasons to compare alternatives before committing.